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

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXX TransUnion XXXX XXXX Account # : 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 ) : XXXX XXXX XXXX High Credit : {$430.00} {$430.00} {$250.00} Credit Limit : {$250.00} {$250.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Late XXXX Days Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by credit grantor Account has been closed due to inactivity.

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 XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion OK OK OK XXXX XXXX XXXX OK OK OK XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than XXXX business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Checking or savings account

I applied for checking and savings account and I lost the folder with my personal information on it such as my social security number and account numbers..in XXXX I am in college and I am going to school for two degrees at once.. some one borrow a loan in my name from BECU ..that I never knew about ... I never applied for any loan from BECU ... so my identity is being used and stolen .I have never had a bank loan in my life. never ..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, GA XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX, and my social security number 's last four digits are XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXXACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX never sent paper bill for a credit card that had a {$100.00} balance. We then never rec 'd a phone call from them either stating that we were past due. Account balance has been paid off since beginning of XXXX and they have refunded late charges. Credit card has a credit on it. It caused our credit scores to drop 100 points for both my husband and myself. I have tried multiple time to talk to them about it and have filed disputes with all credit bureaus. They are continuing to report that we have a balance on the card even after refunding our late charges. They reported this info to the credit bureaus during a pandemic in XXXX for a XXXX $ overdue charge that we knew nothing about. This card hasn't had a balance in months, but has a {$13000.00} limit. When I questioned XXXX on why no one had called us, no one could answer. We checked the contact numbers and they had incorrect ones from years ago. They have ruined our ability to be able to refinance our home and haven't been willing to to work with us. Both my husband and I have always had perfect credit scores and this card is paid off. We would appreciate XXXX doing the right thing and taking this info off of our credit, admitting their wrong doing ( as is evident from the refund of the late fees ) and showing that this balance has been paid off for weeks now.
Product: Vehicle loan or lease

Ok so the vehicle in question was in a recall for emissions fraud XXXX XXXX XXXX buyback. They Settled for a fix amount for a fixed time period. And a fixed mileage. This company knowing this was trying to get me to pay during the time for the time it took for payout of the vehicle. As you see the vehicle is paid off in full because of the buy back program agreement. I hadnt missed a payment until the settlement was finished. This company avid pressured me everyday for payment doing this time. I refuse to pay twice for a vehicle that was being paid in full so they Decided to report me during that time in question. And again I disputed how is that fair credit reporting. It my be close but how they reported this is absurd. But it ok you guy keep siding with them!
Product: Debt collection

In XXXXXXXX XXXX XXXX I began receiving calls from Portfolio Recovery. After speaking with a representative and requesting their email and mailing addresses, I sent correspondence requesting verification of the debt and instructions to not call me during the hours of XXXX and XXXXXXXX XXXX 

Since sending an email on XXXX to the address provided by one of their representatives ( XXXX ) and written correspondence via certified mail, I have received over XXXX telephone calls from Portfolio Recovery during the hours I requested they not call me.
Product: Credit reporting or other personal consumer reports

File several disputes about accounts that have either been paid off or opened by a family member and not myself. 
The following has been paid off and recieved my title for auto loan : XXXX XXXX XXXXXXXX for {$6700.00} was sold to XXXX XXXX XXXX and was paid off in XX/XX/XXXX The following are not my accounts. I never opened them myself however family members using my information opened them : Balance {$0.00} Balance date XX/XX/XXXX Payment status Paid, was a collection account, insurance claim or government claim or was terminated for default Original amount {$480.00} Account number XXXX Business type Other Collection Agencies Address XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Phone number XXXX Original creditor XXXX XXXX 

{$400.00} Balance date XX/XX/XXXX Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department Original amount {$400.00} Account number XXXX Business type Other Collection Agencies Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Time Share {$0.00} Balance as of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$400.00} Balance as of XX/XX/XXXX XXXX XXXX XXXX XXXX Collection {$250.00} Balance as of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Collection {$400.00} Balance as of XX/XX/XXXX XXXX XXXX XXXX XXXX Debt Buyer {$570.00} Balance as of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Collection {$0.00} Balance as of XX/XX/XXXX XXXX XXXX XXXXXXXX Collection {$0.00} Balance as of XX/XX/XXXX
Product: Prepaid card

On XXXX XXXX, 2016, i call American Express Serve to report a transaction i did n't recognize, XXXX told me that they would do an investigation and get back with me. On XXXX XXXX, 2016 i was about to pay for breakfast with my card and it declined. I check my balance and my payroll deduction was there {$950.00}. I called XXXX and was told that i was issued another card and that the XXXX i had was closed, and that i had to wait until the new card arrived. I was due to go on a trip the next day. I had to borrow monies to take this trip because i could n't get my monies off my card. When i returned from XXXX TN i had learned that my card had not arrived I called XXXX an demanded that they do a XXXX XXXX so that i could pay back the monies that i borrowed they stated that they would do this one time and it would be done the next day. I had requested this to be done before i went on my trip i was told that they could n't do it. I received my money on XXXX XXXX but i still had not received the card i needed it because my next payroll deduction was to be placed on XXXX XXXX. XXXX needless to say XXXX decided to issue me another card on XXXX XXXX so here we are waiting yet another 10 days for my card to arrive I was told it would arrive today XXXX XXXX, 2016 my monies are still on the card. I 've had to prolong paying some of my bills because of this delay. When a person has monies on their cards there should be some kind of policy where it 's treated like an emergency and instead of XXXX to 10 days to receive a new card it should be overnight or XXXX to 2 days people are being put in hardship for nothing. I had have removed my payroll deduction to another bank but i will only use XXXX for minor things like online shopping. I will never get put in this position ever again.
Product: Credit reporting or other personal consumer reports

Your unauthorized derogatory marks have directly caused loan denials and increased interest rates across my accounts, resulting in documented financial damages. These negative entries violate the Fair Credit Reporting Act and must be immediately deleted from all three consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Mortgage

I purchased a home on XXXX XXXX XXXX and sold my home the following day. The closing statement paid interest to XXXX XXXX. When I applied and received the mortgage for the new home it was with XXXX. XXXX sold this mortgage the following month to US Bank Home Mortgage. I had made XXXX payments of over {$430000.00} in total on XXXX XXXX and XXXX XXXX of which the larger payment was for {$430000.00} and applied to principal. The smaller payment for the regular mortgage payment due XXXX XXXX was {$2500.00}. This payment was not applied based on the payment date for 4-5 days of interest and was allocated as the XXXX XXXX amortization schedule as if the loan was outstanding in full for 30 days. XXXX eventually corrected this error after several interactions but not before the incorrect information was provided to US Bank Home Mortgage. 

I have an amortization schedule from XXXX showing the balance at the transfer was {$49000.00}. When US Bank Home Mortgage took over the loan they recorded the balance at {$51000.00}, which is off by {$1600.00}. 

After contracting customer service three times to no avail and appealing their reply I am left with the loan balance being carried with the incorrect balance and my subsequent payments are being applied based on an incorrect declining balance. 

I have two letters ( virtually ) identical from the Customer Service Research member of the US Bank mortgage division ignoring the information I have provided including copies of payments out of my bank, the closing statement, the two amortization schedules reflecting the difference I am outlining. 

XXXX admits that the original information provided was before the required correction based on the payment dates but so far nothing is affecting the loan balance shown by US Bank Home and the overstatement of interest expense and balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Equifax regarding a chapter XXXX listed on my credit file. The confirmation I received back from them stated that it was verified from XXXX ; however I have confirmed with XXXX that this was deleted from their file. 

I submitted over a Method of Verification letter to Equifax today requesting to be notified who they spoke with ; the date and time ; etc. I have also spoke with XXXX County Courthouse and they too have stated that they do not report to the CRA 's all information is reported to a third party company named XXXX ( which is listed on the dispute confirmation attached ). I just need to know and see the verification that took place. I have also included the fax confirmation number as well. I go through this route because dealing with Equifax has been a pain this far.
Product: Debt collection

In XXXX, the statute of limitations starts from the date of the last payment or the date of the last charge to the account. After this period, a creditor can no longer sue to collect the debt. 
- Last payment on the debt they are claiming was XXXXXXXX XXXX 3 years from this date is XX/XX/XXXX which means the debt collection period has expired. 
- I do not have a verification of debt or signed any contracts or agreements with this company - The company filed a suit and are garnishing my wages without notification to me or without properly serving me - On XXXX  the company started garnishing wages which is after the statue of limitations have passed to collect and this is causing me significant harm.
Product: Credit reporting or other personal consumer reports

I have been trying to get my report fixed for months with all 3 agencies XXXX, XXXX, Equifax. I have several credit cards missing from my reports. I have written letters and called, and I keep getting the run around to contact the credit card company. I know the are reporting because its shows on other reports. 

Transunion- is missing XXXX XXXX. XXXX  XXXX and XXXX XXXX. The XXXX XXXX was showing but they recently removed it and my score dropped XXXX points. 

XXXX is missing my student loans, XXXX XXXX, XXXX XXXX. 

XXXX is mussing XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX, and XXXX  XXXX. They recently removed XXXX XXXX and it dropped my score XXXX points. All of these accounts are open with XXXX balances. I only have a balance with XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The fact that the info is not being reported the same across all three agencies is a violation of 15 USC 1681. All info should be reporting fair and accurately according to this code. This account is also older than 7 year and should not be reporting on my consumer report.
Product: Prepaid card

Someone used my card to go on a shopping spree iXXXX XXXX XXXX XXXXXXXX XXXX XXXX and also made some online purchases, I made a dispute with skylight ( Netspend ) they spend roughly XXXX USD. 
After a few weeks I received a email response stating that they are unable to return my money since they think I was the one that made those purchases.

I made a police report exactly a month ago and I Havent heard back. 
They also try to make a XXXX in XXXX At XXXX Different locations in a ATM. 
I also told skylight ( Netspend ) that it was roughly XXXX dollars and they Proceeded just to dispute the Transactions that were already posted since at the time The other two transactions were not posted.
Product: Debt collection

I received a collection call on my private cell phone number from US Bank. I never applied from credit with US Bank. The aggressive collector explained that I had an outstanding balance and was over 30 days late. I asked to be transferred to the Fraud unit. I pulled my credit and discovered a new UNAUTHORIZED account in my name. it was open XX/XX/XXXX with a high credit limit of XXXX an outstanding balance of XXXX it appears that the person used an address of XXXX XXXX XXXX XXXX. lot XXXX XXXX AZ XXXX credit pulled XX/XX/XXXX. 
I explained the situation to a XXXX ( XX/XX/XXXX XXXX ). Fraud team. I was treated poorly. I asked for a copy of the fraudulent application used. She said She didn't think they could share. I was informed it would take over 30 days for an investigator to verify that i did not owe this money. I explained i was in the market to purchase a property and the negative credit was impacting that acquisition. She did not care. I explained that I was gong to file a complaint with CFPB she said she never heard of your organization. PLEASE HELP ME>,
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Ive notice unauthorized inquiries on my credit report and notice that someone may have applied to something in my name. 
I have sent multiple disputes to remove these hard inquires they are unauthorized, and I demand that they be removed immediately. 
I have listed the hard inquires below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Fcu - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is displaying an incorrect address of " XXXX XXXX XXXX, XXXX XXXX, Florida XXXX '' on my credit file, however, they do not allow me to dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently got a copy of my credit report from Experian notice that they are reporting inaccurate personal information about me i sent a certified letter to update my personal information along with an FTC identity theft report and a copy of section 605 B of the fair credit reporting act and a copy of my credit report with all of the fraudrantly items cirlced because i also notice that they were reporting fraudulent accounts on my credit report and they did not update or delete any of my information i am a victim of identity theft and Experian need to update and delete the inaccurate information they are reporting about me my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

In the month of XX/XX/2021 I was in the XXXX  with XXXX XXXX for about 20 days. I was 30 days late on my Wells Fargo credit card bill. Now I am trying to buy a house its really effecting my credit score. Can Wells Fargo please remove this late charge from my credit report as a one time curtesy! I have never been late on any of my statements! I hope you will understand and will help me with this matter!
Product: Credit reporting or other personal consumer reports

Was given a loan Deferment by XXXXXXXX XXXX XXXXXXXX on XX/XX/23. 
They told me that this would not affect my credit and since they were only moving payments to the end of the loan and not writing anything off, that those payments that were moved to the end of the loan would show current. 
They have reported those payments that they Deferred as late and have not responded to my request for them to be removed as late as per the CARES Act and as they indicated that they would.
Product: Vehicle loan or lease

I have already submitted several complaints regarding this vehicle. I asked wells fargo for a refi and loan assistance. They said they would look into situation and do everything to help. So far they have purposefully delayed answering and refused to provide a refi or any type of assistance. My last request was for a copy of the original installment and/or loan agreement which they have failed to send. I asked for it 3 times last request on XX/XX/2018 both in writing and speaking to a rep. The vehicle has been placed on non op status due to being a manufacturer defect and having 2 open recalls on it. Wells fargo has been aware of this and now wants to repo this car.
Product: Debt collection

I explained to the collection agency that I have never had an account with XXXX XXXX, I asked the collection company for address on file and the address given to me was wrong, I explained to them in several occasions that I did not work on the place that they have on film and the address were the service was provided was unknown to me. No one else contacted me and then I found out this collection.
Product: Credit card or prepaid card

XX/XX/2022 with the amount of {$900.00} I have sent chime the conversation between me and the vendor from XXXX XXXX I have sent them the XXXX investigation information i also sent them invoices they still refusing to give me my money back it was stolen I live in a apartment complex they left package on they XXXX attempt to deliver
Product: Payday loan, title loan, or personal loan

I agreed to pay a settlement to National Credit Adjustors for two different accounts XXXX and XXXX XXXX who my debt originated with. Also paid XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. I was told it would update and be removed from my credit report. I would like to see this done asap. These collection are hurting my credit report.
Product: Vehicle loan or lease

I have been out of work since XXXX due to health issues and officially lost my job in XXXX. I was unable to make any payments to BridgecrestXXXX due to the fact I had no income. 

I was able to get one extension and shortly after had to have Bridgecrest place me on the Don Not Call list because their agents were contacting me trwice a day. I'd speak to a representative and within 20 minutes of hanging up the phone they'd be calling again. 

Communication methods since have been sub-par. I only receive emails, so when they notified me of a reposession date, I didn't immediately see the email. I don't understand why something so important wouldn't also be sent via USPS. 

I have found employment and am prepared to resume payments following my first paycheck on XX/XX/XXXX, but Bridgecrest refuses to work with me any further. They are insistent I need to pay approximately {$200.00} that I don't have to prevent the repossession. They tell me their hands are tied and they can't do anything else to help me because the computer system has it locked in. 

All the talk of assistance and understanding during the pandemic has been nothing but empty platitudes. Before losing my job and being unable to make payments I had close to two years of on-time payments, but that apparently accounts for nothing. 

I don't think it's too much to ask for an extension of just a few weeks all things considered, but Bridgecrest have absolved themselves of any responsibility in this situation.