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

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX / XXXX, XXXX XXXX XXXX XXXX. I did not authorize anyone employed by these companies to make any inquiry and view my credit report.
Product: Credit reporting or other personal consumer reports

During the XXXX XXXX, the lender provided accommodations on my loan due to a hardship. The loan was reporting late XXXX times and repossessed. The account was brought current XX/XX/XXXX and per section 4021 of the CARES Act once the account the consumer brings the credit obligation or account current, the furnisher must report the credit obligation or account as current. On previous CFPB complaint # XXXX the company responded to the by saying " We have reviewed our members tradelines with the four nationwide credit reporting agencies and noted a discrepancy. We will submit a request to the four credit reporting agencies to update their records. '' The changes that were made was a removal of the repossession. The late payments are still reporting. The Cares ACT was continued into effect until XXXX  months after the XXXX XXXX ended XX/XX/XXXX. Well past the timing of the late payments in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my credit report with XXXX  the amount I owed XXXX/COMENITY/XXXX XXXX is {$8100.00} but this amount was charged off and written off. If company wrote off this account off on their taxes than I would no longer owe this money.

Below is copied from my credit report : Account charged off. {$8100.00} written off. {$8100.00} past due as of XXXX 2021.
Product: Debt collection

About a year ago I disputed a debt from XXXX XXXX and had it removed from collections then it popped back up a few months ago. I just got off the phone w the debt collectors and he advised me to report fraud as there is an address linked to that XXXX account I never heard of or resided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly a balance amount of {$720.00} on the XXXX partial account number XXXX. This account has been paid. ( Please see page 8 of the attached credit report. ) This account needs to report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention a serious issue regarding my credit report. It has come to my notice that my personal information is being mixed with that of someone else, which has resulted in incorrect and misleading entries on my report. Specifically, an account that clearly does not belong to me has been mistakenly associated with my credit history.
Product: Credit card or prepaid card

On or around XX/XX/XXXX, my father called USAA Federal Savings Bank to request that I be allowed to call in to USAA on his behalf to help him handle financial matters with his USAA credit card. I spoke to the representative that day and was never read any financial disclosures or told that I was being made financially responsible, as a secondary, on the credit card. I never signed anything nor gave my permission to be financially responsible. I found out months later that the representative indeed added me to the card as a secondary/cosigner. I called USAA and reported this and asked to be removed. I was told that they couldn't remove me and there was nothing they could do to reverse the action. My father passed away in XXXX of XXXX. At that point, USAA made me the primary responsible party for the credit card and the debt was transferred to me. I again called USAA to complain and seek a resolution. I was told by several representatives that my name was never on the credit card application and that they couldn't find any record of me accepting or signing my approval to be held financially responsible for the credit card. However, USAA refuses to concede and says I am responsible for the debt on the card. Their representative in XXXX committed fraud and I should not be held responsible for that. I am a wartime veteran and have been with USAA for 18 years now. I will be closing all of my accounts with them. I am seeking legal counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage has been sold three times over the past 3 years, and in each instance the mortgage holder refuses to report my monthly payments have been paid on time. As a result I have no FICO score which prevents me from securing home improvement, automobile or major appliance purchases. My current mortgage holder is Select Portfolio Services and all they do is give me a runaround regarding this issue. I feel that it is be done deliberately since the interest rate is at 6.25 % and not having a FICO score also prevents me from refinancing at a lower rate. It is my belief they are holding me hostage and preventing me from finding a better rate with a local bank. Finally, it must also be noted that I have no outstanding student loans, I possess no credit cards or credit card debt, no automobile loans or any other personal loans or financial obligations whatsoever!
Product: Mortgage

I received my Department of Veteran 's affairs XXXX determination XXXX XXXX XXXX. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX veteran. Thus, I am exempt from paying property taxes on my primary residence in the state of Texas. 

I have contacted Freedom Mortgage several times in regards to the retroactive escrow adjustment, and to adjust my monthly payment amount to include the tax exemption. They have not adjusted the balances on my account, and as a result they are continually harassing me for a XXXX XXXX payment that is grossly inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX : {$0.00}
Product: Debt collection

There is a collection listed which is unknown to me, I have disputed this with no validation being received. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I drafted and mailed letters to Equifax, XXXX and XXXX to update my personal information. I provided my correct address, full legal name, my only SSN associated with my name, my only correct date of birth, my only employer. Furthermore I requested the removal of all phone numbers. I also requested the removal of all other address off my report. The post office will not be able to deliver to inaccurate address per Fair Credit Reporting Act since they are not accurate. As of XX/XX/XXXX, the corrections have not been made.
Product: Credit card

As of the morning of XX/XX/year>, around XXXX XXXX my personal cell phone was hacked through XXXX. After that, I lost access to all my email accounts. 
Immediately, I started receiving multiple text messages and emails notifying me that someone was attempting to gain access to my emails, bank accounts, and other sites. I also received multiple messages saying that someone was trying to send money out through my accounts and charges on my credit cards.
Product: Credit card or prepaid card

When Marcus first took over GM we did not know they were on autopay so we sent {$100.00} in on our first payment not knowing they were taking out the whole {$510.00} that was on the account when we found out we stopped payment on it and called them and told the well they put the {$510.00} back on my account. I had no problem with that then a week later they charged me 2 more times for the same {$510.00} making my bill {$1500.00} you can add up all my purchases and see what the amount charged to the card is we do not use it much. They did give me credit for one of the extra charges on there but not the other. I have talked to 2 supervisors and 2 Managers along with their service reps about this issue it has been going on for a couple of months now. And they all see the same thing that they have overcharged me and put in a dispute showing exactly where the overcharged me. But they keep coming back with the billing is correct and denying it. We also have a problem with there bill pay we sent a payment from our bank for $ XXXX and said it was delivered on the XXXX XXXX my payment not due until the XXXX of XXXX then i got a letter saying they received no payment and hit me with a late fee. My monthly payment is {$29.00} a month and the charged me {$91.00} Which I had to pay over the Phone this seems to be an ongoing issue with them and they are hitting people up to get late fees. I talked to one of the service reps and said she could not wave the fee even thogh my bank showed it delivered it 5 days before my bill was due.
Product: Credit reporting, credit repair services, or other personal consumer reports

CarMax has been reporting late payments on my credit under this code below that is a violation of my rights and I would like it reversed. 


15 U.S. Code 1681a - Definitions ; rules of construction * U.S. Code * Notes prev | next ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section
Product: Mortgage

On XX/XX/XXXX I closed on a home equity loan XX/XX/XXXX a check in the amount of {$9000.00} was issued by regular mail to creditor. There were XXXX other creditors who were paid off XXXX by traceable mail and the other through a wire transfer. My closing documents said that I could have another check reissued after XXXX  days. Ive called multiple times in the last week and was told so many different things but nobody will reissue the check I have emails to provide if needed as I was getting such a run around that I wanted everything in writing. I was told I had to wait XXXX days if I wanted to avoid purchasing a XXXX bond. This delay has caused me to have to make another payment to the creditor and I will have to make another payment before its done which I dont even know when they will reissue another one causing me to have to pay hundreds of dollars in interest. My loan payment will be for the full XXXX I borrowed plus XXXX still making payments on the credit card because over XXXX is unaccounted for. The loan department has been of no help. The XXXX that did the closing signed the document saying she disbursed the checks when she in fact did not it was done at corporate. When I asked to deal with her boss on this he didnt even reply. This has caused a lot of unnecessary stress and wasted time to get this resolved. I was also told that I had to provide a different address when the one on the statement is correct that doesnt seem right. I offered to pay for traceable mail to have the check sent to be tracked but I cant get anywhere with this.
Product: Debt collection

I paid the Affirm company in full for an item ordered from XXXX. The item was not leather and was defective. I contacted Affirm about the defective product but i did no, not received a response from the firm. I paid my balance in full as evident by the app that states I am all caught up and on my credit report it says I have been late more than XXXX times and that I owe money. This is absolutely wrong because I paid the balance in full and never got a refund for my defective product as I ask I asked this be removed my cXXXX XXXX XXXX is misleading as I know I paid it in full and it is showing up on my credit report as charged off when this is not the case. I was never late on my payments and the a doubt is paid in full
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things are incomplete and inaccurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. This account " XXXX XXXX  open date is not correct, this account is not accurate. This account " XXXX XXXX XXXX open date is NOT reporting accurate, date last active, date of last payment is NOT correct, this account is NOT accurate. This account XXXX XXXX XXXX  open date is NOT reporting accurate, date last active, date of last payment is NOT correct, this account is NOT accurate This account XXXX XXXX XXXX open date is NOT reporting accurate, date last active, date of last payment is NOT correct, this account is NOT accurate. I sent a letter via certified mail on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX asking them to reinvestigate the accounts in question. I got the investigation back and NOTHING was modified. So I requested a description of the reinvestigation and they did NOT provide me which is a violation of 15 USC 1681i ( 7 ), They also violated 15 USC 1681a, 5.
Product: Credit card or prepaid card

Last week I signed on to my Chase Visa account. Before I could access my account, I first received two agreements that have to be signed to access the account. The first agreement is 125 pages long, the second 10 pages long. As a long time Chase Visa account holder who has relied on internet access to check on my account, I found the 125 page agreement customer-unfriendly ( to say the least ). Im supposed to sign 125 page document from a bank to access an account Ive accessed for years? A bank document no less, fraught with fine print and who knows what liabilities? I called Visa and spoke with 4 different representatives. I learned this is a standard '' update. Yes, but never before has such an agreement been close to this long and so customer-unfriendly, and what exactly am I signing without carefully combing through a 125 page bank agreement? They told me I can continue to receive monthly statements by mail. Yes, but one of the reasons internet access is so vital is to monitor the charges which, experience proves, occasionally are fraudulent. They told me that I can continue to do so with the monthly mail statements. I told them that Id rather take the time to contact the appropriate oversight agencies to complain rather than read a 125 page agreement. Therefore I turn to you. Finally, I asked if they are receiving similar complaints from other customers. Indeed they are. I am now their ombudsman. Please look into this and report back to me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the 2nd consecutive month, I'm disputing this account ( XXXX XXXX   {$9.00} ) inwhich I've also requested for the credit agency to either send me their detailed Method Of Investigation into this matter or remove / block this account from my credit report as my right as a consumer as stated in the FCRA laws. I'm looking for the name and title of the employee inwhom determined that the account was verified. What physical documentation support their findings. No one ever showed me any kind of physical documentation that makes me liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Cc : XXXX XXXX XXXX ATTN : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Experian 's National Consumer Assistance Center XXXX XXXX  XXXX XXXX, TX XXXX REF : Report Number : XXXX I am writing to dispute the following data in my credit file. I have listed all errors below. It is a letter meant to bring unnoticed mistakes to Experian 's attention. I am begging that these fraudulent items be detached from my credit file and correct my credit report 's data. I have severe problems with Experian Consumer Portals! These kinds of companies are probably responsible for different breaches at Experian. 

My credit file was a breach was years ago. I completed all the appropriate steps. Experian stubbornly refuses to do a debt validation. They pretend to do the investigation and have a turnaround time of 24-48 hours, which is a false sense of hope. Then deny my dispute. Really? I am still trying to get my V. A. Loan that I have rightly earned. I sent certified letters to them all over sixty days ago. Please delete these items as soon as possible. I will keep pushing these removals until I am entirely content with this simple process. Why can I not get my V.A. Loan by no fault of my own? 

Why should my family continue to stay in a hotel since I can not obtain a loan? Why has this been going on for nearly two years? Why will Experian not take their knee off the necks of XXXX Americans, particularly my neck? I am begging to have these errors removed and why you all will not let me breathe? It is XXXX motivated. 
Could you all show XXXX 's kindness to a Veteran who risked his life fighting for a country I love dearly? 


Experian could make this right in a matter of minutes. 
XXXX XXXX XXXX, et al. 
XXXX XXXX XXXX XXXX XXXX-
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out because I am actively working on my credit. I ordered a copy of all 3 credit reports and read over everything carefully, then on XX/XX/2020 I sent in letters to all 3 bureaus, listing each individual account and account number, and asked them to please verify all of the accounts that are on my reports and if they can not verify them may they please remove them from my report. It has been 30 days and they have not informed me of any proof or verification of the accounts. I then on XX/XX/2020 sent all 3 bureaus a certified 30 day demand to comply letter asking them to please remove the accounts from my credit report since they were not able to verify them. I have not heard anything from XXXX, XXXX, or Transunion, so this is why I am reaching out to you to file a complaint to see if you can get the problem fixed as soon as possible, Thank you.
Product: Checking or savings account

On XX/XX/2022, I called the SunTrust ( now Truist ) automated system to review my checking account and realized that my account balance was incorrect. I called my local branch in XXXX XXXX, Maryland, to ask for a detailed account of my recent transactions. The list of transactions showed that one check ( # XXXX ) was out of sequence, and in the exorbitant amount of {$10000.00}. I advised the bank representative that I did not write a check for {$10000.00} and still had check # XXXX in my possession. The bank representative advised that I must come to the bank to discuss the matter. I went to the bank that same day and spoke to XXXX XXXX XXXX. XXXX XXXX confirmed that someone by the name of XXXX XXXX, who I do not know, cashed the fraudulent {$10000.00} check from my account, electronically, on XX/XX/2022 -- possibly at a check cashing facility. XXXX XXXX proceeded to help me to close the account and open a new one. She advised that she would report the incident to the fraud department and that it may take up to 30 days to complete an investigation and return my funds. More than 60 days have passed and I have heard nothing from the fraud department -- no letter to acknowledge the theft ; no information about what action is being taken ; and no mention of when my account will be restored. Because of this act of fraud and the lack of action taken by the bank, I have been unable to timely meet my financial obligations and have had to rely on my bank credit card to pay bills and buy food. In an attempt to remedy this matter myself, I called the Truist Fraud Department directly. I was provided a fraud complaint number ( # XXXX ) and, on or about XX/XX/2022, was advised that it might take five to seven days to complete the investigation. I also filed a report with my local police department. I was given fraud complaint number XXXX and was advised that an officer would " show up '' [ come to my home ] to obtain a statement. I have heard nothing form the police department to date. I am a widowed, senior citizen on a fixed income and I need my funds restored now.
Product: Checking or savings account

On the following dates GENESIS FS CARD SERVICES, XXXX XXXX XXXX XXXX, XXXX OR XXXX, removed electronically the following amounts from my checking account, XXXX XXXX, XXXX, CA XXXX ; XX/XX/2023 {$700.00}, XX/XX/2023 {$100.00}, XX/XX/2023 {$520.00}. 
We are awaiting the 'final ' amounts from our bank during the nxt few days. On XX/XX/2023 we found the draud upon review of our mailed bank statement. We immediately contacted our bank, had to actually go down to the branch and sign paperwork, and now our account is being closed. We attempted to contact GENESIS but could not get through their " service '' because we did not have an account with GENESIS. 
We have sent registered letters. GENESIS is refusing to contact or make amends or payments to us for the lose, new checks, XXXX time to change and r-set up the accounting books dealing with the bank account closure, etc.