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

On XX/XX/XXXX, I received an alert from my paid credit monitoring service ( XXXX XXXX ), that informed me of changes to my credit score and/or report. Upon review of my credit report from all three credit reporting agencies ( XXXX, XXXX, Equifax ), I was alarmed to find my credit score dropped over 100 points ( from XXXX down to XXXX ) without any reasonable cause for the points drop! I could not find any new derogatory tradelines or accounts or inquiries that would have contributed to the adverse effect to my credit score? There was only one newly added account which is a credit card. That account is in good standing and current according to my credit report as of this date. Therefore, I do not understand how such a negative change to my credit score has occurred, since there was no new derogatory information added to my report? The accounts I currently have in collection, have been there since XXXX, and my credit score has gradually been improving as my credit report shows. I honestly believe someone at the credit bureaus has entered inaccurate or false information, or has unjustly altered my credit score to reflect a 100 point drop from my previous score as evidenced by my credit reporting services, score tracker on XX/XX/XXXX. I have snapshots of my previous scores as well as my credit report for proof of my claim. Please help!!! Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

My client 's information was used without her consent to submit several fraudulent application for credit. While the accounts associated were not established the inquiries related to the applications were found on her credit reports. Among the creditors are XXXX XXXX ( dispute submitted XX/XX/2018 ), XXXX ( dispute submitted XX/XX/2018 ), and PayPal ( dispute submitted XX/XX/2018 ). Per FCRA 45 business days total is allowed for investigation of fraud issues and the consumer shall be notified of the results of the investigation. As of this date my client has not been notified of the investigation results from these fraudulent applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to Experian Credit Reporting agency to update and correct my Personal information on my Credit report XX/XX/2021. I sent them via certified mail ( XXXX XXXX XXXX XXXX XXXX XXXX ), they still are reporting inaccurate personal information on my report. Address ID # XXXX and ID # XXXX are inaccurate and need to be deleted from my report.
Product: Mortgage

XXXX XXXX sold my loan to Chase it is set up with auto withdrawal from my bank account at XXXX email stating i have nothing to do to set up chase account get first statement from Chase stating I have a past due amount called Chase, ask for letter stating the past due amount was in their error they refused
Product: Vehicle loan or lease

in XXXX of XXXX I purchased a XXXX XXXX XXXX, at the time they sold me an extended warranty which the contract said I can always cancel and get a refund if I don't make any claims against it. 
I made several larger payments on the account and asked to have them applied to the principal. 
on XX/XX/XXXX I requested to cancel the extended warranty. I received an email from the dealer that said : " Also, I just need to be sure that you are aware that if there is still a lienholder on the vehicle, the refund goes to them directly and not to the customer. The refund amount is applied to the principle of the loan. '' I contacted them via email a few times and mentioned that it was not applied to the principal. I received this email on XX/XX/XXXX : " Ms. XXXX, Thank you for your reply. 
We can confirm that warranty refunds are paid in the form of a check and are applied directly to your principal balance '' It still didn't look right and I emailed a few times more. at first because they did not refund the full amount. In XXXX of XXXX they refunded an additional amount but still did not apply it correctly. 
the entire time they showed that I do not owe payments. Now, I XXXX of XXXX after I emailed again, they called me and said they made a mistake and if they reverse it, the account will be past due and I will have to make up the past due amount and they are willing to give me 3 months (! ). i've been asking them for years to correct it and now they ask me to catch up in 3 months. In addition to that, they added late fees to my account. I do have all statements that show no amount due. I was never late and had they applied it correctly, I would have made certain that I make payments in time!! in addition to that the car has a mechanical issue that they are refusing to fix and we can't use the car!
Product: Credit reporting

Equifax is n't reporting the XXXX XXXX auto as being included in our Bankruptcy and XXXX is showing lates in XXXX in error. XXXX XXXX is reporting correctly with no lates in XXXX or after as the Bankruptcy was started in XXXX ( and discharged in XXXX ) and all of my wife 's and my debts were charged off and included in the Bankruptcy in XXXX. I demand that Equifax shows this account was included in our BK and that XXXX removes the lates from XXXX that are in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Equifax credit report and discovered that fraud occurred on XX/XX/XXXX at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I never authorized this bank to pull my credit report, I called Equifax and reported this fraud to the Fraud Department and the Representative told me that I need to call the police. and on XX/XX/XXXX XXXX Account Review XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX pulled my credit report without my authorization I never applied for anything with these companies please help I have tried to report this fraud with Equifax, and they're willing to help me.
Product: Checking or savings account

Wells Fargo Debit Card Dispute Claim number : # XXXX Account number ending in XXXX On XX/XX/2024 I called the Wells Fargo XXXX XXXX customer service department. I noticed several unauthorized transactions on my Wells Fargo everyday checking account ending in XXXX. I informed the customer service department and a claim was opened. 

On XX/XX/XXXX my claim had closed under the dispute reason of, dont remember this transaction, which is a statement I never made. Therefore, they denied my claim and I was not refunded for the unauthorized transactions on my account. 

I called the dispute team today at was told that because, I lost my my debit card I would not be refunded for the unauthorized use of my card. 

I have been banking with Wells Fargo for over 20 years, have had a good standing, with CDs and several accounts and credit cards with them. There is clear evidence that I have never used my cards in any other international country nor have ai traveled. 

Once I investigated the transactions on my account I found that there are several charges in other foreign counties. I have never traveled to other counties let alone purchase anything in another country. Additionally, I found that I received emails and text messages in which Wells Fargo flagged my account. On XX/XX/XXXX I received a text from the Wells Fargo Detection Department asking if I recognized the transactions. I replied No and received a text stating that the card was blocked and that I would have to call the Wells Fargo dispute department in order to allow transactions to process on my account. It is very concerning that although I did my due diligence and reported fraud, Wells Fargo did not do their part as my entrusted bank to take appropriate measurements in order to prevent fraud and protect me from outsiders using my card and earned monies. 

My great standing along with the insurance that is offered by Wells Fargo should suffice the credit I am owed. 


I ask that Wells Fargo reopens my claim and do thier due diligence and further investigate that the transactions do not belong to me. 

I have enclosed the following documentation for your review : Unusual activity email sent by Wells Fargo Text message in which I specifically stated that I did not authorize the transactions made List of highlighted unauthorized transactions on my Wells Fargo bank account Thank you in advance for your time and consideration, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX did not receive written documentation with my signature showing I entered into a contract with XXXX XXXX. I ask Equifax and XXXX to provide documentation of debt validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this account in full and requested the account to be closed. This reflects on the credit report. 
After the account was closed, I was charged an Annual Fee on the account. I was unaware of this 'negative mark ' on my credit until I applied for a loan to purchase a home. I want to report fraud by XXXX XXXX XXXX
Product: Debt collection

When moving into the XXXX XXXX XXXX ( XXXX XXXX ) in XX/XX/2018 I paid a security deposit of {$250.00}. 

Over the months leading up to XX/XX/2018 we experienced a number of break ins at our complex that damaged property. I was in contact with property management and had to change the locks several times. After not being satisfied with the response from my property manager regarding the thefts I was forced to create a case with the State of Maryland Office of the Attorney General Consumer Protection Division. Case XXXX. I have a copy of the correspondence dated XXXX XXXX with XXXX XXXX who was my mediator. I also filed a police report. 

The case centered around my ability to be able to change my locks without providing maintenance with a key. This caused an issue with our interactions. The mediators decision was that I could indeed change my lock without giving them a key. 

Essentially I am being charged for damages to the apartment that were made either by thieves or unauthorized entrants while I was at work. 

These charges are false as the damages made to my wall and counters were either made by thieves breaking in or people who were not authorized to be on my property. After the issue was brought up to the State Consumer authority the relationship deteriorated and we were unable to communicate. The property manager that replaced the one who failed to rectify these issues wasn't able to understand my position even though we had documented proof questioning the damages to the property month prior to moving out. 




The debt currently resides with NCAC National Credit Audit Corporation XXXX. XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX, XXXX TX XXXX NC Permit # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX, PA XXXX File # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following payments from XXXX & XX/XX/XXXX2019 are inaccurate. Payment was never late. How can my payment go from 60 to 60 days late without even being 30? This proves the inaccuracies. 

XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : 0 0 0 High Credit : {$910.00} {$910.00} {$800.00} Credit Limit : {$800.00} {$800.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Late 30 Days Current Late 30 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Closed or paid account/zero balance Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX
Product: Checking or savings account

I have contacted Truist bank multiple times telling them their bank security is at risk noticing this with my account. When I close a debit card, places that have the card information are still able to constantly charge the card. They keep denying it but when I go in and show them proof using my account they just put a fraud claim and try to get me out of there or act XXXX.
Product: Student loan

In XX/XX/XXXX, I refinanced my student loans with PenFed Credit Union to a 5 year, adjustable rate loan. I very quickly paid down a large portion of the loan and was a number of months ahead on payments ( PenFed allows customers to skip payments if they are ahead on repayment rather than taking the extra payments off the principal amount ). My monthly statements never actually showed how many months ahead I was, until a change in format with the XX/XX/XXXX statement, which showed my next payment was not due until XX/XX/XXXX. This continued until XX/XX/XXXX, when the statements again changed, now showing my next payment was due that month. I believe what PenFed did was recast or reamortize my loan, effectively negating the months ahead I was on payments and requiring me to make monthly payments again, albeit at a lower amount, all without notifying me. 

I have made inquiries about this issue since XX/XX/XXXX. I was finally told in early XXXX that there was indeed an issue with their system in " forecasting due dates after rate adjustments for variable rate loans. '' My 'next payment ' date was corrected and I was ensured that a detailed explanation would be given to me once the issue had been investigated. In late XXXX, I asked for that explanation and was told that additional information could not be given beyond the detail that a problem was identified and a solution given. I believe PenFed Credit Union has changed their policy/practices regarding the management of adjustable rate loans without notifying its customers, and is now actively preventing me from obtaining information to which, as a customer in good standing, I feel I am entitled.
Product: Consumer Loan

I would like to report inaccurate late reporting information on my vehicle loan through Nissan Motor Acceptance Corporation. My account should not reflect any late payments.
Product: Debt collection

hi, I was out of work when i got sick in 2017 and treated by XXXX XXXX XXXX XXXX, in XXXX XXXX XXXX, Utah. I could not pay the full amount and attempted to set up a monthly installment payment but they transferred the account to First Financial Investment Fund VI, XXXX who then sold the account to XXXX XXXX XXXX XXXX XXXX XXXX 

the original amount was about {$3200.00}. Now I am told {$6300.00} in total. 

I attempted to ask the question why the amount is almost double and was told they could not give me the information. 

My file with XXXX XXXX Firm is XXXX XXXX  Law Firm contact is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I have accounts on my credit report Equifax that Is reporting inaccurate and is violating my rights and is hurting me from obtaining credit I have tryed to fixed the problem with them and it has not been fixed I have proof of the inaccurate information that is reporting on my reports diffrent it cant be accurate or verified when same account has different opening dates, or showing account open when closed .. Will upload documents, I will like these accounts removed from my credit report immediately, XXXX XXXX XXXX Dates of last payment is diffrent reporting inaccurate, Account status reporting inaccurately and comments sold reported inaccurately not same information but same account XXXX XXXX  Account # XXXX showing open when closed, Reporting inaccuratelyXXXX XXXX Account # XXXX Dates open is reporting inaccurate and diffrent and account status reporting inaccurately, XXXX XXXX XXXX XXXX  Reporting open when closed reporting inaccurate.. I will like these Deleted please
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the creditor who reported they have reported the new updated accurate information through e-oscar but XXXX  stiff refuse to update the information. 
XXXX  has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 

As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at XXXX infliction of emotional distress and at the other diminishes of the quality of my life. 

I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and Trans Union ).

As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions XXXX  is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.
Product: Credit reporting or other personal consumer reports

To whom is concerned I have called Equifax several times about simply removing these addresses that are incorrect, inaccurate, and irrelevant to my current situation. I still see these inaccuracies in my report. Please help! 

I have DEMANDED THEM TO REMOVED FROM MY CREDIT REPORT IMMEDIATELY!!! 

XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Employment information. This is inaccurate, outdated, private personal information, I DEMAND THEY BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

15 U.S. Code 1681a defines a consumer report as any communication by a consumer reporting agency about a consumers creditworthiness, credit standing, or other relevant factors. 

Thank you XXXX XXXX { Documents included }
Product: Debt collection

ar/solutions keeps doing this to me they take out more than they should.they take out 25 % of my pay.i keep telling the courts and ar solutions attorneys. the courts know that I am head of family and the only can take out 15 % of my pay.i need something done with this.they do n't like me reporting them so the do this to me and my family.thank you  XXXX   XXXX ,  ne.this is the ph one number to ar solutions  XXXX
Product: Student loan

I called my loan provider Navient in XXXX. They said wait to XXXX to renew my lower payments I called in XXXX they said I had to miss a payment in order to qualify for lower payments I called in XXXX they told me that the previous information from XXXX and XXXX were wrong and that I do not qualify for lower payments anymore. I cant afford to pay the payment in full at one time as a result, they are calling me six times a day every day even when I asked them not to call me I am aware that I owe and Ive been making payments. They are still calling me six times a day every day.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX RE : Correction to my personal information Dear Equifax, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect name and address. 


Incorrect address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Incorrect name : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have notified your company/person that I was a victim of identity theft, and I am attaching the identity theft report you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B ) YOU ARE IN DIRECT VIOLATION OF THE FEDERAL GUIDELINES YOU MUST FOLLOW. Delete the account
Product: Checking or savings account

The blame goes XXXX parts here I transferred {$250.00} out of my XXXX XXXX account into my Chime account. I paid the fee to transfer the money and everything and I locked my chime account and it went to bed somebody I think my ex had signed me up or did some kind of computer cause hes a XXXX XXXXXXXX and and hacked my information on my XXXX account or something put me on XXXX XXXX debited my account {$99.00}. I live on XXXX and I live in a XXXX  that was all the money I had for food now my card was locked and it shows that it was locked in Chimes records. They will not acknowledge the fact that he should not the money should never. It doesnt matter that I had a subscription or not which I didnt, but it doesnt matter if my card lacked no transaction should be taking place my phone company, which I have belonged to for over 10 years cant get their money and Im on auto pay and they cant get their money if my car is locked, so how did How did this company XXXX manage to get {$99.00} out of my account Im XXXX  Im literally starving. I have no money for food. I have no transportation to go to a food bank. Im sick and Im XXXX and I Chime doesnt give a XXXX they dont care.