23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact XXXX by phone but have been unable to reach a live person at the number listed on my credit report. Account # XXXX is still being reported as a charge off /collection account but this account is paid in full. I have attached how the account is reporting on all 3 credit bureaus. XXXX reports paid was a charge off but XXXX and Transunion is reporting as it is still a collection / charge off in the account status. Please update the payment status to the correct paid status to ensure my credit report and scores reflect accurately. 

I have also reached out to the credit bureaus via usps on several different times but they failed to correct the errors.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX IS CURRENTLY AFFECTING MY CREDIT FILE NEGATIVELY. I HAVE NO INTERNATIONAL MARITIME CONTRACT WITH XXXX XXXX XXXX XXXX XXXX. I HAVE NOT DONE ANY BUSINESS WITH XXXX XXXX XXXX XXXX XXXX. I HAVE NOT EVER AUTHORIZED NOR GAVE PERMISSION TO NATIONAL CREDIT ADJUSTERS TO REPORT ANYTHING ON MY CREDIT FILE. ANY IMPLIED AUTHORIZATION AND/OR PERMISSION GIVEN WETHER WRITTEN, UNWRITTEN, VERBAL, AND/OR NON VERBAL IS EXPRESSLY REVOKED. ALL THE ABOVE IS TRUTH UNDER PENALTIES OF PERJURY. 

XXXX XXXX XXXX BENEFICIARY AUTHORIZED REPRESENTATIVE
Product: Credit reporting or other personal consumer reports

Experian 's failure to remove a closed account upon your request constitutes a violation of the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that consumer reporting agencies, such as Experian, must : Conduct reasonable reinvestigations when a consumer disputes the accuracy of information in their credit report. 

Delete or correct any information found to be inaccurate, incomplete, or unverifiable. 

Provide consumers with the results of their reinvestigations. 

Prevent the reappearance of previously deleted inaccurate information. 


By not removing the closed account as requested, Experian has failed to adhere to these FCRA requirements. 

Notably, on XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, alleging that the company conducted " sham investigations '' into consumer disputes and reinserted inaccurate information into credit reports. The CFPB 's complaint highlights systemic issues within Experian 's dispute resolution processes, which may be pertinent to your situation. 

Given these developments, it is advisable to document all communications with Experian and consider consulting with a consumer rights attorney to explore further actions to ensure your credit report accurately reflects your financial history.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an attempt to correct my Equifax, XXXX, and XXXX credit report ( s ).  I have identified fraudulent accounts and inquiries. Please block the listed accounts. 

Accounts : XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX Inquries : XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the accounts listed to be permanently removed and block from my credit reports. These accounts are fraudulent, unverifiable, and violate my consumer rights.
Product: Bank account or service

I am a USAA debit card customer. Recently, my debit account number was hacked, so the bank replaced my card with a new card. In the meantime, XXXX payees reported that they had not received their monthly payment. Payee A contacted me by email and I resolved the problem by giving them the new card number. Payee B contacted me by email and then sent an email saying that they had resolved the problem by charging my new debit card. I never gave anyone at Payee B or USAA permission to debit my new debit card account. 
USSA has reversed my charges and given me a new debit card. But there is no explanation for why the bank or the XXXX network allowed payee B to be payed with my new card. Finding out what I know has wasted hours of my time. It 's worse than dealing with a car dealer!! 
This is a form of customer harassment. Why do banks get away with this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter to Trans union, XXXX and XXXX  on XX/XX/2021. They have yet to get back ti me and it has been several months i think they are taking advantage of me and think i do not know what I am talking about. Please help me take care of this matter. They are not respecting me. They were suppose to respond back within 30 days and if they information could not be verified as accurate within those 30 days they are suppose to remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$8200.00}, {$7600.00}, {$12000.00}, {$42000.00}, {$13000.00}, {$7200.00}, {$0.00}, {$12000.00}, {$2300.00}, {$5100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

5. XXXX CARD SERVICE with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

XXXX. XXXX XXXX CARD SER with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account. 


-- INSTALLMENT LOANS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested validation from XXXX as I do not owe a debt that they are reporting to my TransUnion report. They do not validate and TransUnion does not investigate my dispute. I have also filed a claim with ftc.
Product: Student loan

My loans were consolidated across three services in XX/XX/2011. It took nearly 5 months for the loans to be consolidated. I was given misinformation by XXXX repeatedly about who held the loans during this time period and lost 5 months of being able to make relatively low payments on my student loans that would qualify for pslf. XXXX shows that I was in forebearance during this time period. I did not request a forebearance and have tried multiple times to have these months reviewed. DoE was the one who informed me that fedloan in fact held this loan about a month after it was consolidated. I also have a month in which fedloan was paid twice and now fedloan indicates that this payment is ineligible. The foreebearances placed by XXXX add on my account add up to 7 ineligible payments for unknown reasons. I would be done with pslf if they had kept accurate records.
Product: Vehicle loan or lease

I submitted a complaint on XX/XX/XXXXXXXX  and your company got this information on complaint XXXX ( Included here ). 

ON XXXX you responded with " Company responded '' and " Closed with explanation '' Santander sent a letter, ( included here as well ), stating that they have NO ACCOUNT with my name on it! And they want VIN number, billing statement, contract etc. to verify IF THEY EVEN have an account under my name. 

I have given them my social, name and address as I have no VIN, NO contract etc because this is not my account! 
Would you please have them DELETE THIS ACCOUNT from all credit bureaus including XXXX, XXXX and XXXX PLEASE! 

How can you report this on my credit when you do not know who I am!
Product: Debt collection

Since 2020, Ive been working on this issue. I am a victim of true name fraud. Ive notified the creditors and credit bureaus, and my credit is still being damaged. I had perfect credit before this. This has affected my personal life in so many ways. I cant even do or get the things Im entitled to because of this.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I used Xoom a XXXX company which promises to pay money in overseas locations within minutes when u send money overseas to family and friends, I was charged fee, my family needed money to pay bills it was emergency but Xoom participated banks overseas refused to pay when recipient went to collect money, it's been more than 72 hours now and Xoom not just has failed to pay out the recipient but the banks Have refused to recognize and pay the recipient even with all the document and transaction details provided. 
I emailed Xoom several times and spend hours calling Xoom over and over again spoke to several people on including supervisors but they have failed to solve this transaction, it has cost me and family not just embarrassment, time and money it also has cost us fines for not making payment on time overseas. 
I haven't received any refunds or my family could collect funds which I have paid Xoom with fee.
Product: Vehicle loan or lease

I just bought a car and the first payment was due in XXXX. I paid the payment and asked that the extra be placed to principal. They did not. I called and was promised, but then following up, they stated my request was denied. Instead of applying the extra to prin, the next payment is less than the required amt. I then set up an autom payment when they said it would then be applied correctly ( XX/XX/XXXX ) and the XXXX looks to be applied correctly but the XXXX extra payment has still not been applied to prin. Wells Fargo states their system does not allow this. The principal balance is higher than it should be.
Product: Credit card or prepaid card

Comenity Bank underwent a system upgrade which rendered its online site unusable for over XXXX months. I made a credit card payment through my bank 's online payment system. XXXX rejected the payment for unknown reasons, yet still charged me interest on the balance and a late fee. A phone XXXX helped me make the payment after that. XXXX removed the late fees, but have charged me around {$80.00} in interest after I made my payment on time but it was recorded as late because they rejected it. 

Emails to XXXX get canned responses saying the fees were calculated correctly. XXXX XXXX is there should be no late fees at all since I made a good faith effort to pay my balance in full before finance charges would be assessed, but a problem with their system prevented the payment from going through.
Product: Credit card

Wells Fargo is holding my available credit XXXX for 15 days without notifying me. I was not notified of this hold, nor is this hold specified in my card member agreement. This has happened multiple months in a row. Last month was a XXXX hold, this month its XXXX.
Product: Debt collection

I disputed the validity of the account from XXXX - XXXX XXXX XXXX on XX/XX/19 with the credit bureaus. They said that the debt was verified and did not remove it. On XX/XX/19 I sent a letter to XXXX directly requesting them to provide me with validation of the debt such as a contract with my signature and an account summary. On XX/XX/19 I received a letter from XXXX stating that the debt was " verified ''. I did not ask for verification I asked for validation. They did not send any of the validation documents to prove that I owe this debt. I want this account removed from my credit reports immediately.
Product: Money transfer, virtual currency, or money service

Take action on your PayPal account ( XXXX XXXX XXXX XXXXXXXX ) on XXXX XXXX i recieved an email from paypal stating that my paypal account is currently limited i took action and responded submitting everything they requested for review and they restored my account. Then on XX/XX/XXXX i recieved an email saying i can no longer use Paypal XXXXXXXX XXXX XXXX XXXXXXXX had my paypal account since XXXX and i always follows the rules and regulations to my knowledge in fact i mostly used it for purchases on XXXX XXXX never used my paypal to do anything out the way i dont under why my account was limited
Product: Credit reporting, credit repair services, or other personal consumer reports

After finding out about the Equifax breach of most American citizen I logged on the my Equifax account on XXXX/XXXX/XXXX and discovered there is an address listed on there as one of my prior address however I have never lived at XXXX XXXX SC address. I tried to have it corrected or deleted and I was sent to this website to make a formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have Inaccurate and erroneous information on my credit file. I have notified Notified XXXX XXXX on several times on top of the companies listed below. They continue to say they verified information that I know they have not verified because it is incorrect so there is no possible way they could have verified information that is not true. Because of their negligence in reporting and inaccurate information it is causing me to have difficulty renting or purchasing a car. Covid seems to be the excuse for every Company not to follow the Federal law where credit reporting is concerned. 
They have not verified, any of the debt that they are claiming belongs to me. 
I have never done business with any of these companies and none of these companies have contracts from me or assignments that show any proof that I have done business with them.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts below have violated my rights 15 U.S. C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1881 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse tem of information, other than records of convictions of crimes which antedates the report by mote than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Delete the accounts below. 



XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX factual data XX/XX/XXXX XXXX factual data XX/XX/XXXXXXXX XXXX factual data XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX factual data XX/XX/XXXX XXXX factual data XX/XX/XXXX XXXX  factual data XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX, My only social security number is : XXXX and my only and correct date of birth is : XX/XX/1990 I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I purchased a car that had a bad engine in XXXX 2011 from union XXXX in XXXX XXXX CA. I took the car in multiple times to have it fixed but the car company refused to fix it and basically said I was stuck with a car with a bad engine and I still was required to make payments. I was unable to afford to fix the car so I called the company and had them come pick it up. Shortly after they started contacting me to pay the amount owed but without a job or income, I could n't pay. Recently I have tried getting information as to how much is owed on the car once they sold it to no avail. The company will not cooperate and when I look on my credit report they are reporting the delinquent account twice and with XXXX separate account numbers and identifying information which is dramatically affecting my credit score and my everyday life. I did not have XXXX accounts with them so they should not be reporting this way. I have contacted the credit bureau to have the information corrected and have been doing so for years to no avail. Every time the company updates the information they update the name of the company or something else but they will not remove the duplicate listing. I have attached a copy of my credit report as of today and a copy of one from 3 years ago showing the difference in information being reported. I feel that this is fraud and the company needs to be held responsible. I am trying to rebuild my life after being a victim of the economic downturn and I find it hard to do so due to the fact that this company is blatantly violating the law by reporting this information inaccurately and refusing to remove it. I think you should investigate them and ensure that this behavior does not continue because damaging someones credit like this is not only unscrupulous but illegal according to the FCRA.
Product: Credit reporting or other personal consumer reports

i am submitting a complaint because i have inquiries on my credit report that i did not authorize or consent for the companies to run my credit.i do not have a line of credit nor have i attended to have any lines of credit with the companies identified, i am disputing these resulting as per my rights under the fcra. this negative information is impacting my credit i would like it removed immediately i am requesting a block of my information and this resolved within 4 days as the fcra states
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX Wells Fargo Customer Service Department XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Urgent Dispute Resolution for Unauthorized Transactions and Funds Restoration Dear Sir/Madam, I am writing to express my deep concern and frustration regarding the unauthorized transactions that have occurred on my account, as well as the delay in the restoration of funds by Wells Fargo XXXX This situation has arisen at an exceedingly challenging time for me, as my grandmother recently passed away, and my family and I urgently need to travel abroad to attend her funeral. I implore you to promptly address this matter and return the funds to my account, as it is critical for our travel expenses and necessary arrangements. 

Last year, I discovered several unauthorized transactions on my account, which I immediately reported to your customer service department. I followed the prescribed protocols and completed all necessary paperwork to initiate the dispute process. While I understand that thorough investigations are required, it has been an extended period since I filed the dispute, and the funds have not been restored to my account. 

The sudden loss of my grandmother, coupled with the financial strain caused by these unauthorized transactions, has left my family and me in a distressing situation. We depend on the funds to cover essential expenses related to travel, accommodation, and funeral arrangements. The continued delay in resolving this matter has added further emotional and financial burden during an already difficult time. 

I kindly request that you expedite the investigation of these unauthorized transactions and promptly restore the funds to my account. The urgency of this request can not be overstated, as my family and I need immediate access to the funds to fulfill our familial obligations and to mourn the passing of our beloved grandmother. 

As a longstanding customer of Wells Fargo, I have always appreciated the exceptional level of service provided. However, the current situation has left me disheartened and concerned about the resolution process. I trust that Wells Fargo will prioritize my dispute and take swift action to rectify this matter. 

I kindly request your utmost understanding, empathy, and cooperation in resolving this dispute at the earliest convenience. Your prompt response and resolution to this matter would significantly alleviate the financial strain and emotional burden experienced by my family during this challenging period. 

Thank you for your immediate attention to this matter. I eagerly await your prompt response and the restoration of the funds to my account. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

I have approval letters from XXXX home owners assistance funds and my payments are not been posted correctly as they are supposed to be. I have lakeview loan care services LLC
Product: Credit card

Credit Card does not reveal the APR when signing in for activity or paying. 
No where on the internet account is the information. It requires a paper statement ... 
All other information available, APR hidden. These accounts are variable interest rates, and hiding the rates is wrong. 
On some accounts I can download pdf of previous statements, which include the information ... but this one DOES NOT & gt ;
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries. I have no knowledge about this, and the company proceeded without my approval.
Product: Debt collection

Credit Bureau Associates has puta collection/charge off on my credit for a account that is no longer mines!