23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Back in 2015 Capital one has opened two fraudulent credit accounts, one for {$3600.00} and the other for {$4000.00} under my name, I have contacted them many time letting them know that I did not opened any account with them, but they keep discarding my requests. I have filled with FTC for identity theft and have sent a copy of the report to Capital one.
Product: Credit card or prepaid card

To whom it may concern. I have been reported by my credit company as 90-day late. With XXXX XXXX Account # XXXX XXXX XXXX XXXX I noticed on all 3 of my credit reports that this account has reported missed payments from XX/XX/XXXX to XX/XX/XXXX and closed as of XX/XX/XXXX. To my  knowledge my account was open and have been making payments. I was never notified in any form of my account being closed as I always go to the bank to personally and make payments. 

I have disputed this inaccuracy with the credit bureaus just to find out that XXXX XXXX is reporting everything incorrectly on credit reports. When I spoke with customer service I was notified that my account is on a " PERMANENT RESTRAINT '' and that only Collection department can remove it.
Product: Debt collection

I just found that the debt was fowarded to collections. I have not been notify prior to that. 
It is that wasy to destroy someone credit that way I have a HSA that allows me to pay my medical bills upfront This is just ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed the following medical collection account on my XXXX, XXXX AND TRANSUNION consumer credit report : XXXX XXXX XXXX XXXX for {$990.00} This account was previously listed, and disputed, under a different company called XXXX XXXX ( see attachment ). I previously disputed ownership of that account and no valid documentary evidence was provided. If the credit reporting agencies have received NEW documentary evidence that reflects a valid debt I now owe this company with transaction history amounting to {$990.00} made between me and XXXX XXXX XXXX, please provide me with such.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. The items are listed below : XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1000.00}
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.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 has violated my rights. 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 an 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit card

Apple Card/G & S I have contacted several times through their Apple support which is completely useless about fraudulent activity and transactions from XXXX to XXXX of hundreds of dollars for A Bingo game purchases. They have declined my request for refund and ignored my complaint for fraud.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} - XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting this bankruptcy for years because of the inaccuracies inside of the bankruptcy which is why its dismissed. Well today ; I logged onto PACER to verify that all of the information was correct ; ie. case numbers, closing dates ; etc., and I noticed that the case number listed on all 3 credit bureaus are incorrect. The case number listed in PACER is XXXX ; however what being reported on all 3 credit bureaus and probably Lexisnexis and XXXX is incorrect information. Its being reported as XXXX.
Product: Mortgage

original loan never assumed by owner, but forged signatures.yet still was paying amts 'owed ' until daughter discovered evidence of fraud. Did n't owe any new mortgages-debt paid, but was paying bank anyway. Now 'loan ' assigned to 3-4 people since XXXX , and modification [ and consolidation? ] resulted in monthly PMT increase? second application denied not before but AFTER foreclosure filed. Had been sending, repeatedly, to complete application to XXXX, the same docs, and no decision made known to me until lis pendens filed in courts.Also, Improper service. XXXX after reporting fraud to them, sent document for info to sign and formally make claim of fraud official, but they do n't own loan anymore. Bought, securitized and pooled by different entity. Looked up loan and owners not listed as original lenders. cant find lender/owner of loan and only loan servicers, saying they worked for bank, served as only contact. 
Nearing foreclosure judgment due to no atty representation, as senior citizen not receiving mailings of papers filed until discovered court filings. Was duped by banks issuing loans in my name. Similarly, land recording records indicate ownership and sale of property never sold or transferred causing 2yrs uncorrected deeds, sale transfer, and passing on of mortgages also not taken out by me.. XXXX same bank involved, with MERS with possible fraud conspiring with and/or by and among atty, notary, 'buyers ' brokers, etc ... incl. original ownership mortgage pmt to ATTY.XXXX XXXX, IN XXXX. Though had ID theft reported to credit bureaus-froze report since XXXX, but how are there new loans? impossible without checking report and my identity-confirmed identity of applicant borrower. And high interest rates though I, true homeowner had excellent credit until the fraudulent acts committed in my name, via fake signatures, falsified dates, recordings. Went to DA, AG, and reported fraud, but still proceeding with foreclosure action in ny. 
Have been a victim of housing crisis, lack of accountability, robo-signing, and clearly criminal misdeeds by others, more criminally savvy with no honorable intentions at all. XXXX, woman, now elderly and am paying for 'rimes ' never committed, and unknown to me. Used to believing in the fairness and honesty of banks and finanial institutions, and giving benefit of doubt, and feeling embarrassed to acknowledge vitimization, submitted mortgage payments anyway. It is impossible to ontinue in my senior years, paying for something illegal and unthical. Want to enjoy retirement, my life in my later years. Someone has to right these wrongs, please. And ease harrassing and further embarrassing me, sarring my name and reputation as a 'non-payer '. I always paid my debts without fail. Chek my records, past reditors. I even closed credit card acts with limits that were XXXX and above, in fear of continued fraud and id theft. Didnt know where to turn. Now, there is no other choice. XXXX still lives, I still believe. [ there are many more pertinent docs to support complaint, and i reserve right to admit them in the future in regards to this form 's contents
Product: Student loan

NAVIENT is saddling me with exceedingly burdensome student debt through processing errors and inaccurate information. I was wrongly told I was on track for loan deferment only to later find out I did not meet certain requirements.
Product: Credit reporting or other personal consumer reports

Subject : Failure to Verify Disputed Account Request to Update to Current or Delete Description of Complaint : I am filing this complaint because Experian has failed to provide verification for a disputed account on my credit report. Despite multiple requests and more than the legally allotted time under the Fair Credit Reporting Act ( FCRA ), they have not provided documentation supporting the accuracy of this account. 

Account Details : Credit Bureau : Experian XXXX Name : XXXX Account Number : XXXX Details of the Dispute : I initially disputed this account with Experian on [ XX/XX/year> ] and followed up with additional requests for verification. As the FCRA requires credit bureaus to verify and maintain accurate and up-to-date information, I specifically requested proof of the account 's accuracy. However, Experian has not provided any documentation to verify the accuracy of this account or to demonstrate the method of verification. 

Requested Resolution : Since Experian has not provided sufficient proof within the given timeframe, I am requesting that : Experian updates the account to reflect its current status, or Deletes the account entirely from my credit report if verification can not be obtained. 
Thank you for assisting me with this matter and ensuring that Experian complies with FCRA regulations regarding accuracy and verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 it was brought to my attention that my mortgage ( Third Federal Savings and Loan ) was late every month. I then actively started to monitor and dispute these inaccuracies in payment dates and late reporting. To date I have worked with the three credit bureaus and Third Federal to correct these items that were reported wrong. In the process the company Third Federal continued to report payments late ex : XXXX and XXXX I received alerts that these were late. 
I have had 8 corrections already and it is becoming exhaustive with XXXX  care and work. I have spent hours researching and trying to resolve these issues in the middle of handling parents, sickness and death. I am unsure why this institution is unable to provide proper reporting but I don't have the strength or time to continue to hunt and track down their inaccuracies. I have purchased cars and applied for credit that these inaccurate reporting 's have had immense impact on. 

In this fight with Third Federal 's inaccurate reporting I have been able to raise my credit score over 130 points from disputing and them correcting their errors. 

Additionally Third Federal reports to each credit bureau different information each month ( some reports show late and some show not late for the same month ). 


Third Federals letter to me indicating that they have sent corrections to all bureaus ( for a few of the errors that I went directly to them ) and that they apologize for any inconvenience is insulting as the " inconvenience '' is both financial and almost irreparable
Product: Mortgage

I was laid off on XX/XX/2019. I contacted Wells Fargo mortgage and told him that I would be late with the payment. One payment. Then if theres anything I can do about it they brought up a an assistance program where are you can go six months without having to pay if you were laid off. I asked numerous numerous numerous times if this would affect my credit negatively. I stressed this I would not have done this if this would affect my credit. Wells Fargo stated it might. For six months they did not report my credit to the credit bureaus. After I found a job and their assistance program stopped, they reported that I was more than 150 days late on my mortgage. They denied me the right to make payments throughout this time somehow I wouldve gone out and done something sold something done something to make a payment to avoid a bad mark on my credit account but they denied me this right by not reporting it for six months. They stated that they report monthly. For six months they called and asked if I still needed assistance like it was nothing like it was a beautiful day theres no rush no problem no issues with this. I checked my credit report at least 2 to 3  times a week it was never reported. Had they reported it monthly like theyre supposed to I would not of been denied my right to fix this. They have damaged my credit beyond repair. This will be fixed one way or another its their choice.
Product: Checking or savings account

Truist Bank processing has been charging excessive overdraft fees for covered charges. The ledgers do not fit the the online mobile app. The overnight processing dose n't not match the info listed in the online mobile app. Even when the account is funded to a positive balance within 8 - 24 XXXX, consistently states that the processing on their side does not reflect what is seen on my side in he mobile app. Within 11 minutes the account was refunded and I still received a {$40.00} overdraft free based on the {$20.00} accidental charge, This is robbery. I have had so many problems with Suntrust now ( Truist ) from not being given a right to apply and receive funds for the initial PPP loan to being denied the right to open up a Bank Account with the original location I went to open my account at. I have had enough of these excessive overdraft fees and them stealing peoples money. Its mucg  bigger than the {$40.00} overdraft fee, This is extortion and robbery. I refuse to keep accepting this treatment. Suntrust. Truist needs to be fined and a class action lawsuit against them for these un coordinated and misleading processing practices. They are definitely robbing people if this is happening to other customers.
Product: Credit reporting

After this issue had been resolved with a collection agency for an agreed amount on behalf of the creditor XXXX XXXX XXXX XXXX, the file is again reopened for a third time after this had already been settled. These people are seeking a vendetta against me and seemingly are continuing to resubmit these derogatory credit filings to the agencies to reap their revenge for what I do n't know.
Product: Credit reporting or other personal consumer reports

I do not recognize nor did i authorized these inquiries and I have asked the credit bureau to remove them from my credit report Im also uploading a identity theft report also Im requesting them to be removed.
Product: Mortgage

I have made bi weekly payment to my mortgage. I was advised that because the payments were made separately that a portion of the payment went to the principle balance, and the remaining went to an unappiled status. I informed the representative that I need to have both payments applied to the mortgage. I have made 5 calls to Shellpoint Mortgage LLC, each time I was advise this matter would be resolved. I am now receiving calls and emails that my mortgage is pastdue and late fees will be applied. I do not know what to do. I'm afraid of getting a credit hit. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I now have over twenty five hard inquiries on my 3 major bureau credit report. I didn't apply for all of these lines of credit. I applied at three car dealerships. Only they have my applications and authorization signatures. I think that when I started applying, some form of identity theft began and others began to apply to. XXXX XXXX informed me that I may have been exposed to two different data breaches. I wrote XXXX, XXXX and Transunion to get these inquires removed and they are refusing to help. Please assist.
Product: Debt collection

Account info Account name PROFESSIONAL DEBt Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. 
Status updated XX/XX/XXXX Balance {$7100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$7100.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX. This company is attempting to collect unauthorized charges. This is fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested and reached out to your company on several occasions about accounts reporting on my credit file. These accounts are not accurate and or not my accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiry Dispute I recently noticed an unauthorized hard inquiry on my credit report from XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ) Section 604 ( 15 U.S.C. 1681b ), a permissible purpose must exist for accessing my credit report, and I have not authorized this inquiry.
Product: Credit card or prepaid card

A XXXX XXXX XXXX employee inadvertently gave my credit card to another customer. That customer fraudulently signed a sales slip charging my Chase VISA account {$130.00} for his purchases. 

I have spent eight days disputing this fraudulent charge with Chase to no avail. The Chase VISA Dispute Department told me that they did not consider this unauthorized purchase by a complete stranger to be fraud. The Chase VISA Dispute Department told me that they were  refusing to provide any credit to my account for this unauthorized transaction. They even refused to provide a provisional credit during any requested investigation. As a result, one of my auto-pay accounts ( XXXX ) failed to authorize today as a direct result of the unauthorized purchase of {$130.00} being fraudulently charged to my account. 

Chase supervisor, XXXX provided the Chase Executive Office address for this complaint and refused to provide any other service or make any effort to correct this wrongdoing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 Hon. XXXX XXXX XXXX wrote three orders on a stipulated settlement with XXXX XXXX. The order were as follows : 1. XXXX XXXX was ordered to issue me a document to reflect a zero balance and that the debt was satisfied. 
2. XXXX XXXX was to take all necessary steps to delete the account from my credit reports. 
3. XXXX XXXX was to do no further reporting of this account to the credit reporting agencies. 

XXXX XXXX continues to violate this court order by reporting and updating the account to Equifax monthly. Equifax has the court order in their files and continues to accept and report this account against the court order. 

It was my position that I owed XXXX No Money. I had no contract with XXXX XXXX and they're constant overcharges would have cleared any balance owed. I agreed to settle because the XXXX attorney was facing contempt of court charges for failing to comply with 2 subpoenas to furnish my bills to prove my case.
Product: Consumer Loan

XXXX Investment company has contacted me a work on at least XXXX occasions when I have repeatedly explained to them that I refuse to discuss my private business while clocked in and on my work phone that has recorded calls. Now when they call, I jus hang up since they do n't seem to understand words. They have also called my phone in upwards of XXXX times in 1 day, usually back to back they have also made just as many calls to family members and friends that I listed as references when I filled out the application for the car. Earlier today, I received an email from them to confirm that I authorized them to take money out of my bank account. This was a lie. I never spoke to them to make this agreement. There customer service agents are extremely rude and do not listen. The way they run their " business '' is disgusting and I will not be harassed for the remainder of time that I 'm making payments on this vehicle.
Product: Mortgage

Due to caregiver responsibilities for a XXXX mother with XXXX I am often away from my home for extended periods ( months even ). My mortgage lender has pad-locked my home twice in the last eight months claiming that the home had been 'abandoned. ' In the process the lender also replaced the lock which has breached the integrity of the exterior door and caused splintering of the wood ( I have pictures ). Further it was noted that the property was at risk and required 'winterizing, ' all the while I was paying my utilities ( heating, electric and water ) which were fully functional. A storm winter was broken and never repaired thereby allowing further break-in and vandalism since after breaking the storm window, the interior window was never secured. Additionally, I originally had my neighbor cut the grass and shovel snow as needed which is documented in a letter from my neighbor who did n't understand why someone else was mowing the lawn. 
Now after the second 'break-in ' by the lender, I no longerfeel safe in the property and more significantly have lost faith and face with my neighbors who do n't understand what is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my 2nd attempt. checking my credit report I am interested in processing a dispute with experian about the inaccurate information on my credit report. I need my account updated an items deleted that are invalid an causing errors on my file. please delete these items asap.
Product: Credit reporting or other personal consumer reports

pursuant to12 CFR Subchapter A part 202.4 per the FCRA and also 15 U.S.C 1681a ( 2 ) a-i The term " consumer report '' does not include : Any report containing information solely about transactions or experiences between the consumer and the institution making the report, any authorization or approval of a specific extension of credit directly or indirectly by the issuer Volks Wagon Credit Inc has furnished nonpublic personal information such as income and transaction history to credit reporting agencies. Such is considered income per the Internal Revenue Service Publications, Charge-offs/gains are considered taxable income, and my income is non-public personal information that Volks Wagon Credit Inc has furnished without my written or oral consent to the unauthorized agencies/non-affiliates XXXX, XXXX and XXXX. which are third party companies! In doing so they have also violated the Privacy Act of 1974 per 5 U.S.C 552a ( 4 )! Volks Wagon Credit Inc has reported from XXXX XXXX XX/XX/XXXX each month of transaction history furnished within this timeframe is {$1000.00} per violation per month pursuant to 15 U.S.C 1681n! I'm willing to settle for the said account being furnished to be updated to current and as paid as agreed.