23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was XXXX  on XX/XX/year>. I was in my car using my phone and the suspect put a XXXX to my head and took my phone while I was using it transferring over XXXX to himself using XXXX. XXXX is not letting me get my money back due to it being a friends and family transaction. However, my phone and also my whole wallet was stolen from me. I did not authorize this and notified them immediately! I disputed it with my bank and they have also denied it. I currently have a police report for this matter and I should be refunded because I was robbed! None of this I authorized.attached is the police report from the XXXX police department. I also an attached the info where they stole more things from me with my cellular device but I was able to get that back from the credit card company. They also stole from a website called XXXX. And I had to contact them before the order shipped out and I attached that info as well. I currently bank with XXXX XXXX  And the denial receipt is also attached. My account went to the negative after those transactions. Why would I force my account into the negative
Product: Mortgage

Back in 2021 I had change insurance due to us having a trampoline. The insurance company requested payment from my mortgage company. Little did I know they didn't pay it after several letters telling my insurance was expiring. So that's when I started investigating to figure what is going on. It usually automatically renews and I never have to worry about it. Well come to find after calling insurance company they canceled due to know payment. So quickly got it fix and contacted the mortgage company. The mortgage company had no clue until I called them. Then made sure they paid the new insurance. Then they debit my account for that insurance and then their own insurance. Months after I got it fixed. If I would have know they were charging me insurance I never would have gotten my own. My account has been so messed up. No one will take ownership in this so guess who gets fault. They won't call me back and give me answers on how fix it. Now after 2 yrs. They went up on my escrow which has cost my mortgage to go up XXXX dollars more a month. So you can say I'm alittle XXXX off bc I feel like I'm the one paying for their mistake. Someone please tell me how to fix this. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX about the following incorrect information on my credit report. To this date, they have not responded. 

I am writing to request that your bureau verify the XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$7800.00} ) account due to incorrectly reported data. I am unsure of the accuracy of the reported balance of {$7800.00} as I do not recall owing such a high amount. Your agency presented this account as closed and charged-off, therefore the past due amount should not be reported. I will be contacting the creditor to clarify this matter. In the meantime, I request that you mark this account as disputed to prevent any further negative impact on my credit score. Additionally, I request that you verify the Date Opened, Date of Status, and First Reported for this account. 

The account XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$1900.00} ) needs to be examined due to incorrect reporting. The balance reported by your agency of {$1900.00} appears to be higher than what I remember. Since your agency presented this account as closed, the past due amount should not be reported. I believe it would be beneficial to address this misleading data directly with the creditor. However, I need your agency to report the account as disputed while I work to find a solution. 

The following account is not mine : COLLECTION ( Date Opened : XX/XX/XXXX, XXXX : {$1400.00} ). I request that you remove it from my credit report.
Product: Debt collection

Equifax Has the wrong information on my credit report I try to remove it it's not allowing me to do it And this is hurting me cause Causing me to have bad credit and for me not to get alone I am trying to remove the wrong addresses and the wrong date of birth this is crazy
Product: Credit card or prepaid card

On XX/XX/19, Discover had a XXXX deliver their credit card without a signature onto my front porch at XXXX. I was not home at the time. About 2 hours later, per Discover credit card, there were about {$700.00} on charges on my credit card. At 5 pm the same day, Discover called to ask if I received my credit card, which I told them I had not been home. They said they would start a fraud investigation. About a week later, after I gave XXXX  ( I was XXXX XXXX XXXX   when all the fraud happened ) Discover calls me to tell me that the card was activated from my cell phone number. I told them I did not make that call. 2 weeks later, Discover informs me I am liable for the charges on XX/XX/19-that same day I faxed them my cell phone bill with log showing I did not make the call to activate the card, as well as the police report ID I filed that same day. I feel that Discover has been negligible in investigating this incident as I did not receive the credit card, have proof that I did not make the phone call to activate the card, and is still charging those charges to me. If Discover works with the police to pull the tapes from the XXXX where those fraudulent charges were made, I am sure they wont see a XXXXXX/XX/XXXX lady trying to pull money out of an ATM ( which were a majority of the charges ).
Product: Credit reporting, credit repair services, or other personal consumer reports

in reference to claim / Complaint Number XXXX and the response Equifax gave to your company it is the opposite what still showing in my credit history with Equifax, the have told me the investigation is completed and the credit history has been updated, however in the documents attached still showing that the first delinquency was XX/XX/2022. 
The still have not fix my credit score number, still at XXXX after due to the error it when down over XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters advising the bureau that the information listed on my report in regards to the bureau is incorrect as I am not the owner of the bankruptcy. It is to my understanding they use the last XXXX digits and other identifying elements which could easily be someone else's/ The y sent me information stating they verified with XXXX XXXX in which I am not familiar with @ all. I have sent several disputes and this is my final dispte
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX case not resolved to my satisfaction consumers have rights as well when it comes to Fair Credit Act they used my info without permission and that is ID THEFT i contacted all the creditors and no response so i came to CFPB for help and you have not cleared the issue. i am a victim of ID THEFT since XXXX XXXX and still haveing problems to this day. PLEASE HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

HAPPY SATURDAY XXXX/XXXX-XXXX! - I was going through my credit profile again today and noticed an old XXXX card that i had back in XXXX of XXXX which i believe was eventually transferred to XXXX XXXX. I never recalled being late with that account but my surprised today i noticed that your company has marked me late several times over the months in XXXX. But what's more surprising is that each bureau show that i was late in different months and shows different dates of last payments. There are so many inconsistencies, inaccurate, and incomplete information on how this particular account is being reported on my credit profile and it's detrimental to my character and my ability to get the best rate out there. It's also illegally re-aging this account. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements and i'm exercising my rights under the guidelines of FCRA section 623. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX i concluded an agreement with XXXX XXXX to bring my account current, merchant stated a payment of {$130.00} is required. Payment processed on XX/XX/XXXX by merchant, I was notified that same day that the account was charged off sent to collection. Contacted merchant said an error was made account will be retrieved once payment poste. XXXX bank created check XXXX XXXX to debit my account posted on XX/XX/XXXX. From there is been an tireless fight with XXXX XXXX as amount was never credited to my account, in addition to illegal fees charged. Dispute with collection agency and XXXX XXXX credit investigation team that found proof of payment. Account retrieved from collection XX/XX/XXXX after numerous complaints. Sent to XXXXXXXX XXXX cards team to apply payment. Cares team denied payment was made, closed the account and its been an infernal fight, applied more fees and charged-off the account for non-payment. Account disputed with Equifax in XXXX, investigation closed as reporting correct. Was advised by XXXX that they will soon update my profile due to information received from Equifax account status. Had a 3 way call in XXXX with XXXX XXXX XXXX XXXX XXXX  requested cancellation number : agent said no cancelation number existe, only a note from an agent saying transaction cancelled. XXXX reopened investigation that concluded that the check was cashed by the merchants XXXX XXXX  ( letter attached ) XXXX XXXX  continue to deny payment without producing any proof of cancellation, falsely reporting account states as late when current and charge excessive fees for. On payment while payment was made in a timely manner.
Product: Payday loan, title loan, or personal loan

PenFed makes in incredibly easy to make online payments. The problem is that these are interest payments. I would like to make principle only payments, which lowers principle quicker and reduces overall interest charges over the life the loan. PenFed intentionally obfuscates the process of making a principle only payment. They require a phone call and have an intentionally complex and long phone menu that takes a minimum of five minutes to reach a human that can assist. I have been informed there is no direct line or quicker way to a human. A rep had a suggested I try calling a credit/debit card support line to get a human quicker, which worked, except the rep I received was completely unhelpful and could only requeue me. There is no reason at all to make this process so obtrusive, except for the fact that PenFed is attempting to maximize the interest collected ( at my expense ) over the life of the loan. The payments I am attempting to make are between accounts at the same credit union, so there should be no reason I can't do this operation online.
Product: Credit card or prepaid card

I opened a new credit card with Wells Fargo and never received my first statement. As a result, I missed the due date on my first bill and was charged a late fee and interest. Because it was my first bill, I had no expectations for when my monthly bill should be due. When I called Wells Fargo, they offered to waive the late fee, but not the interest. They could not provide me with delivery confirmation or detailed mailing information to prove that they ever sent the first statement. They only confirmed that my address was correct.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, XXXX reported my loans to credit reporting agencies, at the time these balances were correct and accurately reflected on my report ( XXXX in loans ). My XXXX loans were transferred from XXXX to XXXX in XX/XX/2023. During this time, the balances of the XXXX loans were effectively reported twice, once by XXXX and once by XXXX ( so showing double the balance due ) on my credit reports. I didn't worry about this too much because I figured the XXXX balances would drop off eventually, since they were no longer the servicer for my XXXX  loans ( loans transferred ). Fast forward to eight months later, and the balances from XXXX are still showing on my credit report. My XXXX  loans have since been paid in full to XXXX. XXXX has reported the balances as XXXX, but because XXXX has not updated the report, my reports are showing that I still have XXXX in XXXX loan debt when I actually do not. I reported this to XXXX in XX/XX/2023, and they sent me a letter saying they completed an investigation and that the report was correct. I also reported this to credit reporting agencies in XX/XX/2023, and they also contacted XXXX who said the account was correct. I do not know who to turn to get my credit updated accurately. If you search this problem on the internet you'll find that there are many many other people in this exact same predicament. This should not be this hard, and there should not be so much pushback from XXXX loan servicers. My loans have been transferred from servicer to service XXXX times before and I have never had this issue with other servicers, instead of showing a balance the last status is transferred ( so the balance isn't counted twice ).
Product: Credit reporting or other personal consumer reports

Credit Bureaus in Question 1. XXXX XXXX. Equifax Detailed Complaint Background of Dispute I am writing to file a formal complaint against XXXX and Equifax for persistent violations of the Fair Credit Reporting Act ( FCRA ), specifically : - Failure to ensure maximum possible accuracy of credit report information ( 15 U.S.C. 1681e ( b ) ) - Refusal to conduct a reasonable reinvestigation of disputed information ( 15 U.S.C. 1681i ( a ) ) - Non-compliance with dispute resolution requirements ( 15 U.S.C. 1681i ( c ) ) Chronology of Dispute Attempts nitial Dispute - Date of Initial Dispute : XX/XX/year> - Method : Certified Mail - Supporting Documents Provided : * State-issued ID * Social Security Card * Proof of Address Follow-up Correspondence - XX/XX/year> : XXXX refuses to act on dispute, claiming the dispute was not initiated by me- XX/XX/year> : Follow-up dispute sent - XX/XX/year> : Comprehensive dispute letter resubmitted with all identification documents- XX/XX/year> : XXXX again refuses to address the dispute Specific Errors Requiring Immediate Correction XXXX. XXXX Missed Payments Incorrectly Reported - Account Status : Closed - Current Reporting : Inaccurately showing late payments - Impact : Severe damage to credit score Requested Actions 1. Immediate removal of all inaccurate late payment entries 2. Complete investigation of disputed items 3. Correction of all erroneous credit report information 4. Provision of a detailed written explanation of investigation results Supporting Evidence - Copies of all dispute letters- Identification documents- Correspondence from credit bureaus Legal Basis for Complaint This complaint is filed under the Fair Credit Reporting Act ( FCRA ), specifically : - 15 U.S.C. 1681e ( b ) : Requirement for maximum possible accuracy - 15 U.S.C. 1681i ( a ) : Duty to conduct reasonable investigations- 15 U.S.C. 1681i ( c ) : Requirement to note disputes in future reports Relief Sought 1. Complete removal of disputed and unverifiable entries 2. Correction of credit report to reflect accurate information 3. Potential damages for willful non-compliance
Product: Mortgage

i have have a house in XXXX and my morgage company is ditech.ditech claims i did not pay the XX/XX/XXXX mortage payment of XXXX i sent them several times proof that i did a ) email attachment my back account with date,XX/XX/2016, who withdrew the chech, ditch. 
b ) faxed the same as above, thru wells fargo representative : bank statement and check and who cashed the check : ditech. 
they response : supervisor reviewing issue.but not actually doing anything
Product: Money transfer, virtual currency, or money service

Reference previous complaint number XXXX You are not making any sense. The bank statement was valid. Do research on credit unions. The draft checking does not match the shares number. But it is all under one account. This was all enacted in the 1930s to stray away from bank practices. Educate yourselves. I have asked the credit union to create a special document to supplement your ignorance since you refuse to be mindful of the practices of financial institutions. The statement is attached. 

PayPal WHO OWNS YOU AND FOUND FRAUD IN MY FAVOR AND RESPONDED TO THIS MESSAGE has restored my account, so respectfully where is the disconnect? 

My drivers license is not expired or missing information. It is a valid government document. You are more than welcome to confirm with the government. 

You have not heard from the bank because the claim was closed. Refunds were processed by the company for those {$50.00}. Therefore, it is a non-issue. I am happy to provide documentation from the bank of those refunds. 

You are in error and you are contradicting yourselves. Stop punishing me for your shortcomings and ignorance to XXXXommon credit union practices.
Product: Debt collection

I received a call from the following phone # : XXXX ( XXXX, Co ). The caller said he was from Commenity Bank and said it was concerning a past due amount and wanted my personal info. I told him that if I needed to talk to someone about a past due, I would call myself directly. I do have a credit card with Commenity Bank XXXX XXXX ) and it has NEVER been late and I knew right off the bat it was a scam. I am a senior and maybe they are focusing on our age group. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

File # XXXX I am no longer responsible for this account yet it still appears on my Transunion credit report. It has been removed from XXXX but not Transunion.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

First and foremost, I must be honest and say I am 26 days past due on my loan. XXXX XXXX XXXX   has made reasonable attempts to help me stay current. My problem is with their collection practices. No, I do not answer every call they make to me. However, I do stay in contact with them at least every two weeks. My problem is with their continued third party disclosure to references I gave to them. Calling XXXX XXXX one week after speaking with me and verifying good contact information with me is excessive when you are telling her I am past due with my loan. She is only a reference not a signer. Telling XXXX XXXX you are calling about my past due auto loan and you can't get in contact with me is not only a lie but, once again she is not a signer on my loan. Only a message can be left. Not that I'm past due.
Product: Debt collection

ARA Inc, XXXX XXXX XXXX XXXX, IL XXXX keep calling us for the acct no # XXXX for my daughter who is only XXXX years old. She CAN NOT obtain any credit 12 years ago. This is a big mistake from them but they keep making harassment phone call to home every day.
Product: Debt collection

XX/XX/2020. Amount {$150.00}. I sent my dispute to the three major credit bureaus regarding this inaccurate information. No response from the companies. Not only is it invalid, reporting medical information is a violation of HIPPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a repeat of Complaint XXXX, which Experian did not completely respond to... 

I have attempted to correct this FALSE information for two years, with eight written requests. 

See the LARGE numbers of FRAUDULENT information that is still on my report. The number of fraudulent items to be REMOVED from my credit report are listed after each item below ( X ). 

Fraudulent information on my credit report is still present ( see attachments to this complaint ; ALL incorrect information is marked with an X ) : -- Hard ( XXXX ) and Soft Inquiries XXXX XXXX XXXX that only pertain to the fraudulent information that was supposed to be removed. 
-- A large amount of personal & other information that is not mine : Names ( XXXX ), addresses ( XXXX ), social security numbers ( XXXX ), birth date, telephone numbers ( XXXX ), Spouse/co-applicant ( XXXX ), Former/Current employers ( XXXX ) and Notices ( XXXX ). 

ALSO : Security questions to verify my identity on XXXX are fraudulent- they are from account information that Experian stated they have removed, per the complaint number above. 

NOTE : I have only had a single legal name in my lifetime, and have lived at my current address for XXXX XXXXs, and only have a single social security number. 

NOTE : I have opted out of remediation for dispute resolution, per written notice to Experian in XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX