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

XXXXXXXX XXXX has placed information on my credit file. They will not accept the fact that I no longer am interested in their product. I have no legal obligation to continue to pay for something I do not use and do not own. I have contacted them on several occasions and they refuse to close my account and leave me alone. I just want inaccurate data removed from my credit file. They report to bureaus as a mortgage but refuse to provide proof of said mortgage. 

Credit bureaus are just allowing anyone with access to put data on consumer credit reports. XXXX is not looking at documents or disputed reasons. They just send a computer message and accept the response. TransUnion also allows them to rubber stamp false inaccurate data on my credit report.
Product: Credit reporting

My complaint is with Experian. 
They are STILL SHOWING : XXXX XXXX, XXXX XXXX XXXX, XXXX, And, XXXX XXXX!!! 
These items are supose to be removed!!!! 
XXXX and XXXX already have!!!, for they were proven wrong!!! 
XXXX!, how much longer is it going to take to get this beuroe to get a grip??? 
XXXX XXXX
Product: Checking or savings account

I filed a few disputes with Huntington Bank. While I was in XXXX, my phone and wallet were stolen and I had {$6000.00} taken out of my checking account. Even though they say that some of them arent valid, they said that most of the transactions were valid. I have tried to get an explanation as to why they feel this way and they just say that its their decision. Ive emailed the bank VP along with other members of the executive team with no responses. This has been going on since XXXX. I just want my money back
Product: Mortgage

I received a letter on XXXX XXXX from a company named XXXX XXXX XXXX XXXX XXXX this letter states that WELLS FARGO, had purchased a home warranty policy for me and that is was time to renew. 
I did not authorize WELLS FARGO to purchase and insurance for me, when I called into WELLS FARGO to inquire I was told by their representative XXXX XXXX XXXX that WELLS FARGO did not purchase that policy and then she informed me that WELLS FARGO had just processed an appraisal on my property, when I asked her why this was done she said she did not know and would have a supervisor call me back to discuss this matter with me, but no one has called me and I did not request or authorize any appraisal be done on my property and I want to know why this was done and for what reasons and I want a copy of this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are fraudulent and do not belong to me. 
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

The following accounts are inconsistent and only show on my Equifax and XXXX consumer reports. These accounts are showing with my consent and I never gave anyone permission to placed these accounts on my consumer reports. 

XXXX XXXX XXXX XXXX XXXX XXXX Attorney GeneralXXXX contacted the attorney generals office and the courts and they stated that they do not report to any credit bureau. They do not place personal information on your consumer report. 
XXXXXXXX XXXX XXXXXXXX Consumer Law states that these companies have to have permissible purpose and consent from myself the consumer to place this alleged information on my consumer reports.
Product: Credit card or prepaid card

Received text to my cell phone number ( XXXX ) from Wisely Pay Alerts stating- {$75.00} has been loaded onto your Wisely card ending in XXXX. Your available card balance is {$74.00}. When I call customer service, XXXX I was aksed for my social security number, birthdate, name. I stated I do not have an account with you and you contacted me showing the last 4 digits of the account so you should be able to get to the account using that data. They stated need full acount number or social security number with name and date of birth. I told them I will be reporting to government fraud.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/XXXX, XXXX i saw some hard inquiries that did not have my permissible purpose. I also attached evidence. 

XXXX, EQUIFAX, XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON XXXX XXXX XXXX XXXX ON XX/XX/XXXX. 
XXXX XXXX ON XX/XX/XXXX These inquiries have no permissible purpose to be on my report. delete these inquiries due to violaton of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was forced to declare Chapter XXXX due to some extreme circumstances in my personal life. At the time, I had a Citibank card with a balance of {$20000.00} that was included in the bankruptcy. In XX/XX/XXXX, I had the Chapter XXXX bankruptcy dismissed. 

I contacted all the credit card companies I owed money to and negotiated a settlement amount with them directly. Citibank was the only creditor still showing my bankruptcy as " active '' for 8 months after the dismissal. I took me the next 8 months and many phone calls to finally resolve that. Finally in XX/XX/XXXX I was told by Citibank to contact XXXX XXXX XXXX XXXX XXXX to arrange a settlement amount. 

I did this and on XX/XX/XXXX I received an email from XXXX with the agreed upon settlement amount that we had discussed over the phone. I paid that amount, {$6100.00}, to XXXX XXXX XXXX on XX/XX/XXXX and have a receipt from them for that payment. 

Citibank is still showing on my XXXX credit report that I owe {$20000.00}. The payment has NEVER been accurately reflected on my XXXX  report. 

In XX/XX/XXXX, I submitted an online dispute to XXXX about this matter. On XX/XX/XXXX, I received a letter in response from XXXX stating that the Citibank information was " Verified as accurate ''. 

I had seen an increase in my XXXX credit score when the amount was paid to XXXX and at that time XXXX  was reporting that it was Paid/Charge Off with a XXXX balance. Within the past couple of weeks, I got an alert from XXXX that XXXX had reported negative information to them and now that Citbank account is showing up as " Charged Off '' with a balance of {$20000.00} on my XXXX   credit report. My XXXX credit score plummeted over 50 points because of this. 

This erroneous reporting of information has negatively affected my creditworthiness. 

I met with a mortgage lender back in XX/XX/XXXX and was planning to purchase a home in XX/XX/XXXX. This false reporting is causing great damage to me. I no longer qualify for a loan because of this. I will be unable to buy a home/obtain a mortgage because of this. I am unable to qualify for ANY credit because of this. I am requesting that this Citibank account be COMPLETELY removed from my report with ALL credit reporting agencies. 

If I am unable to have this request met by Citibank, I have been advised to seek out the help of an attorney that specializes in such matters and pursue damages. I am not a litigious person and would prefer not to do that if I can just get this resolved and get this off my credit once and for all. 

I am providing proof that this amount was paid to XXXX as per Citibank 's instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX and TransUnion said they verified to bankruptcy when i contact the local court who house the bankruptcy said they do not releases information to the 3rd parties like credit reporting agencies and i have frozen my XXXX XXXX
Product: Checking or savings account

I filed a claim with PNC bank on XX/XX/2024 about unauthorized transactions that was done on my account, Ive asked them repeatedly to check the atm camera or to at least actually investigate this incident but for some reason my claim keeps being denied for no reason and with no proper investigation this is illegal
Product: Checking or savings account

on XX/XX/2019 I deposited a {$9000.00} cashiers check from my home equity line thru Bank of America mobile banking app, the bank placed a hold on funds until XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I mailed off letters disputing negative information found on my credit reports. It's been more than 30 days and I still haven't received any information in regard to the the account 's disputed. I am aware that credit reporting agencies have 30 days to respond to disputes but Equifax has not followed up with me in a timely manner. Therefore I'm submitting this complaint in hopes to having my issue be addressed and corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, XXXX XXXX XXXX online services keep kicking out automatic draft. They have change there website. This cause my account to have its first ( 1 ) 30 day late. I have never been late. This was not my fault. I need 30 day late on credit report remove. This is a Billing process error on XXXX side. 

Im very upset about this confusion. Please delete ... XXXX.I already notified XXXX.
Product: Credit card or prepaid card

I closed the account in XXXX XXXX after CitiBank continued to freeze my account for any and all purchases made with recognized merchants and regular occurrences ( i.e. XXXX, grocery stores, etc ). I called in and paid the account up and asked to close the account and any remaining fees. 
In XXXX XXXX the card charged me the XXXX $ annual subscription and later a fraudulent charge in XXXX XXXX. 
In XXXX XXXX I was notified of the late fees. I called in to resolve both charges on the account as I had previously closed the account, and the XXXX XXXX would be a fraudulent as I destroyed the cards previously. 
I had to call in XXXX separate times to fall up on these issues with CitiBank, was tossed around to XXXX different departments including their initial inquiry line, customer service, sales department for the annual fees, citi dispute department for fraud, and an escalation XXXX. The customer service department i escalated to XXXX and was assured they would waive the XXXX $ fee if i paid the XXXX $ fraudulent charge- to which I declined paying either. They said they would waive the fee but send me to the dispute department to handle the additional fee. I was forwarded to this department who was the most sympathetic to the bounce around and issues and opened/resolved the fraudulent charge and sent me to an escalation XXXX to ensure the account was closed as I asked for phone records to be evaluated. The escalation XXXX at that time told me they would have this monitored but could not hand me any reference numbers for calling back to monitor status as they are internal work orders. 
I started a new business in the new year and was attempting to open a business credit card and the only reason I was unable to is the late charges I have now accumulated from the XXXX $ annual fee never paid with my continued open disputes with CitiBank that I am constantly assured they are investigating or resolving. 
I called back XX/XX/XXXX to find out the fraudulent charge was indeed resolved, but the XXXX $ fee for XXXX was never paid up and I have been accumulating late charges now totally XXXX $ as of this point that needed to be paid. I once again bounced from the inquiry line XXXX to customer service XXXX to a citi dispute XXXX to then an escalation XXXX named XXXX in kentucky who once again had no notes on anything I detailed above and could provide no reference numbers for when i am tracking or trying to follow up on the status for these charges. XXXX reports that this never went to an escalation XXXX previously from when I was told it was, and she thought my account was not closed fully once again despite me having a letter it was closed, and that it was probably only a security closure. She assures me she is looking into it and the phone records ( which I was told previously ) but once again can not provide an issue reference number for tracking as these are internal work orders. 
Additionally, since last speaking to an escalation representative this morning, I now can no longer access the previous documents that showed my account closure notice and the fraud dispute resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

What is this account? I checked my reports monthly and I still see this very inccurate and incomplete account reporting in my credit file. I urge your team to remove this as soon as possible. Let us work this out and help me start a cleat slate.
Product: Student loan

As a PSLF borrower, I should have reached my XXXX payments/months of service on XX/XX/year>. I have my employment certified for the 120 months of service. My forgiveness count is 5 months short - XXXX are not being counted " due to forbearance on the loans ' due date ''. I did not ask for this forbearance. I have now asked for a reconsideration buyback to these months ( XXXX, XXXX, XXXX ) back in XXXX and I have also asked to be moved to the XXXX plan just to be able to make the final payments. 

XXXX XXXX payments ( yes ), employment certified ( yes ) PSLF XXXX - XXXX - Payment via autopay ( yes ) employment certified ( yes ) PSLF XXXX - XXXX - Payment via autopay ( not taken ) employment certified ( yes ) PSLF XXXX - XXXX - Payment via autopay ( not taken ) employment certified ( yes ) PSLF XXXX - XXXX - Payment via autopay ( yes ) employment certified ( yes ) PSLF XXXX - XXXX - Payment via autopay ( not taken ) employment certified ( yes ) PSLF XXXX - XXXX Payment ( yes-made manually ) ) employment certified ( yes ) I have at least 120 months of approved qualifying employment, and I am seeking PSLF discharge through PSLF buyback or through a change of plan. 

The Department has been negligent in the processing of these applications and has been negligent in assisting me on how to fix this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves Experian and a lack of ability to address a hard credit inquiry issue. First issue I have with the process is sharing all my identity information with the Experian telephone employee in XXXX XXXX. As you are well aware, this is outside the U.S. and U.S. laws. I am in the process of getting a mortgage over the past year and a half. Each 90 days the two mortgage companies I am working with are pulling a hard credit check. I was not aware they were doing this to keep my file up to date and as a result, my credit score is suffering. Experian said they could do nothing about hard credit inquiries since, by law they had to report them. The two week forgiveness period for multiple hard inquiries is not enough. It should be extended to the same institution for the same loan process/application. And Experian or other credit bureau should be able to address the issue with the client.
Product: Debt collection

XXXX XXXX and NCA are attempting to collect an alleged debt of {$300.00} for a XXXX XXXX XXXX loan. I have not received correspondence from these 3rd party agencies when I submitted a complaint regarding the debt in question. I called XXXX XXXX XXXX directly to see if there were any outstanding loans and they said there was not any in my account. I was not informed anything about still owing a debt wether it was sold or not. I was specifically told that there was no debt. I need the {$300.00} collections account to be removed off of my credit file immediately. Calls can be traced and I am not at fault for any misinformation. I think an email may have been typed in wrong when I sent in my first complaint. That was regarding XXXX XXXX and the text messages I have received from them for the same debt. NCA is being reported on my credit file and I am being contacted by XXXX XXXX. Both companies are now aware of this complaint and I will resubmit another to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ran my hard credit two days in a row XX/XX/XXXX & XX/XX/XXXX. 
They made a mistake and should have only ran it once. 
Also they never processed the application because it was flagged as possible identity theft. The resolution letter went out with no path forward to fix except run credit a third time.

They shouldnt run credit three times to try and get a credit card
Product: Checking or savings account

Someone transferred {$500000.00} ( XXXX XXXX  XXXX ) from my Business Savings account on XX/XX/2018 to some account in XXXX XXXX. 
I filed a compliant with Chase Bank claim number is XXXX Chase has confirmed this is fraudulent activity and yet they want to wait to reimburse me until they recover the money from XXXX. They are not able to help and continue to pass from department to department. The bottom line is this was a wire transfer that was not authorized and the bank failed at multiple check points and now they are not willing to help. They allowed the money out but do not want to return the money until they resolve with the fraudulent account holder XXXX. Chase has not helped resolve this matter. Our money is not protected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Bureau, this credit dispute is being submitted as a new evidence dispute. This is not a duplicate. The below is my sworn statement concerning these credit issues. It is my sworn statement that I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I see on my Credit Report an account about which I dont know anything AT ALL. This is a fraudulent account. Im attaching to this letter a copy of the identity theft report proving that this account doesnt belong to me, Im also enclosing a copy of my Drivers License and SSN to verify. Please remove this account/ block this account : Name of the fraudulent account : XXXX XXXX XXXX XXXX It was opened on : XX/XX/2022 Total Charges : {$540.00} This account is not mine, please remove it from my credit report. Thank you very much for your consideration and I'm waiting for the good news soon. Sincerely, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

During XXXX breach Inquiries were removed then placed back on report without a 5 day notification of re inserting items on my report Inquires dated from XX/XX/XXXX-XX/XX/2018 & XX/XX/XXXX-XX/XX/XXXX
Product: Mortgage

My wife and I have been facing financial hardships since my loss of employment in XXXX of XXXX and myself having mental health problems, which I was placed in a behavioral hospital for being unstable risk to myself. 

We have been in contact with the company since XXXX when we submitted a hardship packet. 
One of the representatives a month later, informed us that additional documents were needed. Promptly, on XX/XX/XXXX, we provided all the requested documents to support our case. However, despite submitting the necessary paperwork, we received no response from them for a considerable duration. This silence caused significant distress and XXXX for my family. 

During this difficult period, we attempted to refinance to alleviate some of our financial burdens, but our efforts were in vain. It came to our attention that in our consumer reports the mortgage company had affected our ability to secure refinancing. Upon investigating our consumer reports, we found discrepancies in the reported balance and realized that the forbearances were inaccurately reflecting past due for the times my wife and I contracted XXXX, with me even being hospitalized during the XXXX variant outbreak. 

In response to these discrepancies, I sent a certified letter requesting verification of the assumed outstanding amount. Yet again, no response was provided for a staggering 90 days, exacerbating our financial distress. Regrettably, the situation has now escalated to the point where we have received a property seizure notice from the sheriff 's office with a sale date of XX/XX/XXXX. 

This entire ordeal has been nothing short of a nightmare for us. We feel that our consumer rights have been blatantly violated, especially as an XXXX American couple. We firmly believe that the federal laws have been broken in the pursuit of seizing our home, leaving us in a state of profound despair. 

I implore you to urgently address this matter and provide a comprehensive explanation for the prolonged silence and lack of response on their part. 

Our family 's well-being and financial stability are at stake, and we hope that you understand the gravity of this situation. We request that you investigate the mishandling of our case, rectify the errors on our consumer reports, and cease any further actions against us until this matter is appropriately resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit World Services reported a debt for education that was paid with student loans .They have not reomed the 2 entries from my credit report instead they are charging interrest of 30 % on the debt. 
XXXX XXXX XXXX XXXX XXXX XXXX and XXXX I was not ever notified of this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. These items are effecting my credit score. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a message from an in-law family member of mine that she had received a call on her house phone regarding my past due credit card information. The representatives name was XXXX XXXX from Bank of America. My in law has never dealt with or received any known information regarding my account information and I have never added their contact information to any of my accounts. I was also told that the bank was unsure how my spouses family members contact information was added to the account. It was told to me that I could not file a complaint, rather that they would make a note of this for the future. The mystery of how the in-laws number appeared on my credit card account is alarming and I believe to be negligence and a violation of privacy on the part of the bank.