23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting 2 XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX ALLY FINANC XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX CCB/IDD XXXX XXXX following inquiry was not authorized and should not be reporting XXXX CCB/IDD XX/XX/XXXX The following inquiry was not authorized and should not be reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. Someone is using my personal information attempting to open several different accounts. I spoke with a representative and they instructed me to send in this identity theft report.
Product: Student loan

I noticed that my credit reported on XX/XX/2014 - XX/XX/2014 for my XXXX/XXXX  account of a total of XXXX. I want you to know that I understand my financial obligations, and if it werent for a job lost during the year of 2014, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have taken control of my finances and now that I have established a great understanding of being financial literate circumstances have changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and noticed that there were inquiries that I never consented to or did I ever benefit from them in any shape or form. I was told my information was leaked in a data breach with XXXX and XXXX fifth recently as well. This keeps occurring with random inquiries popping on my report.
Product: Checking or savings account

On XX/XX/XXXX checks were deposited into the wrong account. XXXX checks for XXXX were deposited into a XXXX XXXX account belonging to XXXX. XXXX checks for XXXX were deposited into a Chase account belonging to XXXX. Then on XX/XX/XXXX the checks were deducted from XXXX account and neither party has been refunded. Where is this money? It was a total of {$4600.00}. Checks written by me ( XXXX XXXX ) were accidentally deposited into a Chase account to the wrong person. Chase deducted the amount and has never given anyone the money. They said a check would be mailed to the person on the Chase account but they never were. Chase has been giving us the run around. I called on Thursday XX/XX/XXXX to file a claim. They took all my information and said to call back in XXXX hours to give me a reference number. When I called back on XX/XX/XXXX, they said they never received anything from us!! I asked where the money is and they told me XXXX XXXX needs to call to claim the funds. I called XXXX XXXX and they said they never heard of anything like this. That it was " fishy ''. Chase provided me with the following reference number XXXX. XXXX XXXX called from the XXXX, CA branch ( XXXX ) and she said she spoke to Chase and there's nothing they can do.
Product: Credit card

Capital One Bank issued me a XXXX for 2014 in the amount {$5200.00} for credit card account number XXXX. My Federal Tax Return Form XXXX for 2014 included same amount. Capital One has yet to advise the credit reporting repositories ( XXXX, XXXX and XXXX ) that said account should be listed as " {$0.00} BALANCE, PAID IN FULL ''.
Product: Debt collection

Capio Partners in Texas is attempting to collecting a debt. I am not the person that received the services. I asked to validate the debt and the representative refused. This morning ( XX/XX/23 ) I was alerted by XXXX that this debt posted to my personal credit file. 

This is the second time that Capio Partners has used this tactic by falsely contacting a credit reporting bureau to somehow strongarm me into paying them. It makes me wonder what other underhanded ways this company has tried to collect debts. I have disputed this with XXXX again, who removed it from my file the last time. Also, I have filed a complaint with the AG of TX and more than likely will file with the OH AG and the FTC.
Product: Credit reporting or other personal consumer reports

I just recently looked at my report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate the accounts listed below because ( XXXX XXXX XXXX ) open date is not reporting correctly, high credit amount, last reported date, comments, date of last payment ( XXXX XXXXXXXX XXXX ) open date is not reporting correctly, monthly payment, account status, Balance, high credit, last reported, date last active, I only received a letter stating the accounts were verified but as you can see in the supporting documents, they are still currently all incorrect. 

In addition, I was not provided any documentation proving the accuracy of the accounts this is clear violations of my right under the fair credit reporting act and is causing me a severe hardship
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX several times, have usps receipts, have all records proving not 30 days late and since XX/XX/2018 they have reported me 30 days late to all 3 credit bureaus. I filed disputes. Not corrected. I filed second disputes with all after sending 29 letters to XXXX. Still no response. Tried calling credit bureau today. Have been on hold for over an hour. PLEASE FIX THIS PROBLEM. If you need me to send the evidence again, I will. Your site does not allow enough space to send it all. Right now, we can't refinance our home ; we can't sell it and get financed for a new home. We have a buyer for our home at full price, and have found a home to move to, and can't do anything. This is insane. This company needs to be put out of business. CAN YOU PLEASE DO SOMETHING IMMEDIATELY to get my credit reports fixed. I the second disputes, I have them dates, amounts, check numbers, and told them I have the usps receipts because ran out of space on their site. Calling them does nothing. PLEASE, PLEASE, PLEASE FIX THIS. I have an ulcer from this and am under doctor 's care. I can not keep responding to them every other day. My husband is a veteran and we are senior citizens. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected or deleted : XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$980.00} U S DEPT OF ED/XXXX XXXX Balance XXXX {$3200.00} XXXX XXXX XXXX OF XXXX XXXX XXXX : {$9900.00} U S DEPT OF EDXXXX XXXXBalance : {$6500.00} U S DEPT OF EDXXXX XXXXBalance XXXX {$1400.00} U S DEPT OF ED/XXXX XXXXBalance : {$5400.00} U S DEPT OF ED/XXXX/XXXX  XXXXBalance : {$6500.00} U S DEPT OF ED/XXXX XXXXBalance : {$4700.00} U S DEPT OF ED/XXXX XXXXXXXXBalance : {$7100.00} U S DEPT OF ED/XXXX/XXXX  XXXX*Balance : {$4000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance XXXX {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00}
Product: Checking or savings account

can not reach custoer service phone systems are horrble.. its like they set it up so that you will not want to call back. 40 minutes to get to somebody because they are so disorganized
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a charge off with Wells Fargo on XX/XX/2021 and received a letter that says they received the payment of {$1700.00} on XX/XX/2021 to satisfy the balance for my account. as a result I do not need to make any more payments. However on my credit report they show " Account charged off. {$4.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/2021. '' this account should show legally settled for less than full amount. I called them and they were rude and tried yelling at me and cut me off last phone call was XXXX @ XXXX, had to yell through phone to get transferred to supervisor and said that they can not do anything about it to contact the credit bureau . I have recently settled more accounts and they show legally settled for less than full amount. with XXXX amount due.
Product: Money transfer, virtual currency, or money service

I received a call from Wells Fargo on XX/XX/XXXX on my cell phone at XXXX am. I was on the phone for XXXX minutes. It was displayed as Wells Fargo and I recognized their customer support number. The number is XXXX. The person on the phone said there was fraud happening on my account. They said a teller working at the local bank and was trying to withdraw money from my account. The scammer said we needed to move that money and transfer it to an account which the bank had set up to catch him. They sent a code to work with me to catch the thief. I was on my cell phone. I realized that is was starting to sound not legit. I really thought they were trying to stop someone from getting my money. He got into my phone, accessed my account and did a wire transfer. In total I lost {$22000.00}. The wire transfer went to XXXX XXXX XXXX {$14000.00} was a cash advance from my credit card to my checking account. The {$8000.00} was from my checking account. I went into the bank within the hour and they told me if was fraud. I have called Wells Fargo over a dozen times in XXXX months. Sometimes they would say just wait and we are deciding. We received {$1000.00} from Wells Fargo who received only that amount from XXXX XXXX XXXX, which is all they said they would give back. Wells Fargo said they side with us that is fraud but we let it happen and we are not getting any money back. 

I have banked with them since XXXX and trusted it was them on the phone. If they are insured for fraud we want our money back. I see class lawsuits against Wells Fargo for this happening to many people, taking their life savings. What can be done.
Product: Checking or savings account

Bank of America has let unknown and unauthorized charges continue for three years, until I caught the transactions. When trying to get statements Bank Of America is only allowing me to have 13 months of statements even though I have talked to fraud and these fraudulent charges have dated back to XX/XX/XXXX. Bank of America has yet to help solve this scam or money laundering and will not dispute any transactions from XX/XX/XXXX because they say they cant see back that far. These unknown draft payments vary from XXXX to XXXX dollars per transaction up to 3 times daily and or 3 to 6 times a month all going to XXXX. I have service with XXXX XXXX XXXX but I pay once a month and its supposed to be the same amount if not 10 higher for late fees. I have looked into my XXXX XXXX XXXX account and there are multiple changes in account as in primary holder, even though I only have one device and one plan. There are unknown devices that dont have phone number and unknown charges for a Access Card I never heard about. I tried to call XXXX XXXX XXXX to ask about the most current payment that was taken directly from my checking and why so many payments have been taken out and what for and I was put on hold and hung up on 3 times. All representatives with different names. Previously asking about bills which I call every month because it is always changing and I never know why. A representative said he doesnt see those transactions going to the XXXX XXXX XXXX company its self.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I reported on my credit monitoring app that my Chrysler Capital Account increased by {$300.00}. 

On XX/XX/XXXX I called Chrysler Capital and spoke to a representative. I was told that my principal has not gone up. She wanted to ensure the report said Chrysler Capital and I reassured her that it did. 
I was transferred to XXXX by the previous representative. The XXXX representative did say there was a discrepancy and that she will have to report it to escalations and will call me back when she hears from escalations usually XXXX. 
Since XX/XX/XXXX, I have not heard back from Chrysler Capital or any subsidies on this matter. I called Chrysler Capital back. I was transferred to platinum by a representative named XXXX. XXXX at XXXX explained that I made a payment on XX/XX/XXXX and again on XX/XX/XXXX and that interest is added. 
The XX/XX/XXXX payment was made early for the XX/XX/XXXX due date. 
I Called on before the XXXX due date to say I would be late and tried to make arrangements and was basically told to XXXX XXXX XXXXXXXX because nothing is due. 
I was able to make the payment on XX/XX/XXXX and this lending note never was ever XXXX days behind. 
Upon discussion with XXXX at platinum on XX/XX/XXXX, I found out the previous representative that I talked to with XXXX  did not send anything to escalations. I was also told that since I paid my car note early on XX/XX/XXXX and not until XX/XX/XXXX they charge 15.5 % interest each day on the note. 
I asked XXXX what is the point of paying the car loan payment early. She just assured me they will always charge interest between payments. I asked what the point of having a due date is then. 
Now I have my statements from XXXX and XXXX the principal did not increase on the statements either. 
Yet it was reported to the Credit Reporting Bureaus that my balance increased by {$300.00}. This did lower my score with the credit bureaus also.
Product: Debt collection

I continue to receive calls from an entity calling itself Medical Revenue Services claiming to be about a debt. I do not have any current debts.
Product: Credit reporting or other personal consumer reports

I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S.Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Debt collection

I woke up this morning and noticed XXXX removed CONSERVE collections from my credit report which is admission to liability so in fact they were TOGETHER in undermining my confidence and ruined my eligibility to an FAIR AND ACCURATE CREDIT HISTORY in ALL OF THE PARTYS ABOVE IS IN VIOLATION of CONSUMER RIGHTS by removing the false and deceptive information. XXXX XXXX XXXX ALSO basically admitted to selling the debt to a collection company which is against FEDERAL LAW FINANCIAL INSTITUTIONS CAN NOT EXTEND CREDIT OR GIVE 3rd PARTIES PRIVATE CONSUMER SERVICES NFORMATION THIS IS A VIOLATION OF CONSUMER PRIVACY UNDER U.S.C. I DEMAND REMEDY FOR THE VIOLATIONS COMMITTED AGAINST A FEDERALLY PROTECTED CONSUMER. I DEMAND {$1000.00} per violation or will go public with LAWSUIT. INVOICE IMMEDIATELY. 

** VIOLATIONS ** 15 USC 1692c ( b ) 15 USC 1692d ( 1 ) 15 USC 1692e ( 1 ) 15 USC 1692e ) 2 ) 15 USC 1692e ( 2 ) ( 10 ) 15 USC 1692e ( 2 ) ( 14 ) 15 USC 1692 ( f ) ( 1 ) 15 USC 1692g ( c ) 15 USC 1692 ( h ) 15 USC 1692j ( a ) 15 USC 1692j ( b ) 15 USC 1692k ( a ) 15 USC 1692k ( 2 ) ( a ) 15 USC 1692i ( c ) 18 USC 1006
Product: Student loan

I was automatically placed on the XXXX plan last year ( previously on XXXX ). I consolidated my loans and was issued a " new loan '' in XX/XX/year>, and was on the XXXX plan. MOHELA failed to drop the interest off of my account after taking my monthly payment for several months as well as during periods of administrative forbearance, and when they transitioned my account to the new platform in XX/XX/year>, interest was capitalized on my account. To my knowledge, this is illegal, because prior to when the XXXX XXXX XXXX XXXX XXXX issued a preliminary injunction on XX/XX/year> to fully blocked the XXXX plan, all aspects of the XXXX plan were supposed to be upheld. So interest should not have been accruing or capitalized on my account prior to XX/XX/XXXX when I was making on-time payments under the XXXX plan. Additionally, during this current forced administrative forbearance period that I am in while waiting on a decision for the XXXX plan, there seems to be {$800.00} of outstanding interest on my account, but I was told this forced administrative forbearance would be an interest-free forbearance.
Product: Debt collection

noticed that I have collection on my credit reports. I contacted the collection agency to validate debt as I have no knowledge of the debt. I requested debt validation, the agency sent me a statement listing move out charges. This is not debt validation. I requested a copy of contract. Sent letter vis USPS Certified mail. Company has refused to validate debt. I'm requesting this debt be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to block fraudulent tradelines appearing on my credit report in violation if FCRA 605 ( b ). I have sent the required documents as described in the aforementioned law, Equifax has no evidence to refuse a block under said law, and and it has been longer than the 4 day time-frame in which a block is required to be implemented by law. Equifax is now in willful noncompliance with the FCRA and is subject to the penalties described in 15 U.S.C. 1681n. 

It is shocking and appalling that a supposed reputable company operating within the United States would conduct itself in an overtly illegal manner as if it were not bound by federal law. Equifax must block the fraudulent accounts that appear on my credit report lest they wish to face a lawsuit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$44000.00} This company has willingly and knowingly violated my rights as a consumer. This company is in violation of the Fair Credit Reporting Act and the Gramm-Leach- Bliley Act. Violations of the Gramm-Leach-Bliley Act for non-compliance can result in fines up to {$100000.00} per each violation for financial institutions.With that being said this company along with XXXX, Transunion, and XXXX have been notified of the violations by me and no action has been taking. I am depending on the CFPB to make sure action is taking and to show these companies, organizations and institutions that they are not above the law.

Under the Gramm-Leach-Bliley Act 15 U.SC. 6801 et seq. also known as the Financial Services Modernization Act of 1999, I the consumer should be giving the option to opt out of my nonpublic personal information being reported to or with non-affiliated third parties. The opt-out notice must be must be explained clearly by financial institutions and provided in writing at the time of an in-person transaction and electronically for a online transaction.

This option was NEVER provided to me! I request that this account be deleted and no longer be reported on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect info on my credit report. I do not know of this info it does n't belong to me These are the itmes that do not belong to me XXXX XXXX {$5400.00} XXXX XXXX  {$2000.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX {$590.00} XXXX {$140.00} XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I received two push notifications alerting that two {$86.00} dollar withdrawals had taken place followed by a text asking me to confirm if I was attempting to make another withdrawal for XXXX. I responded No and immediately contacted chime to let them know I still had my debit card in my possession and I did not make or authorize the two transactions that had just gone through. Two days later they tell me no errors occurred and I will not be getting my money back. The final amount settled for {$160.00} plus {$5.00} in atm fees. There is no consumer protection against theft and fraud with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX EMPLOYERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY : XXXX XXXX XXXX  XX/XX/XXXX TRANSUNION ADDRESSES : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX EMPLOYERS : XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX EMPLOYERS XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus all 3 XXXX, XXXX and Trans Union would not remove Hard Inquiries when asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw discrepencies in my credit report and asked the credit bureaus to please remove the inaccurate items, nevertheless, it's been over 40 days and the items still havent been removed and I have not received any results from the investigation