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

Equifax keep reporting inaccurate information on my credit report. What's reporting inaccurate is my address, and a few accounts I've been disputing over a period of months even a year. Equifax would remove/delete inaccurate items and addresses when I dispute with proof, and then add it back on my credit report with no warning or any proof that its mine. Plus they would send me a letter stated deleted, and it was never deleted. Under the 609 FCRA the credit bureaus must prove that the account is mine with a contract, agreement and provide a reasonable investigation with proof. I disputed my address on XXXX, XXXX and received a letter back from Equifax XXXX XXXX, XXXX stating that the inaccurate addresses was deleted. However I still seen the addresses that I disputed still remaining on my personal information part of my credit report. I called XX/XX/XXXX and spoke with a supervisor and she mention that the confirmation number we have is the same as the one they sent me but the deleted items on the report are different from the report I have. They are scammy and fabricators. The deletions she gave me was from another previous dispute I did back XX/XX/XXXX and they switched it on there records and made it like I just been disputed on XX/XX/XXXX and use the account number as if it's a new dispute. Equifax is violating the consumers rights by such a frivolous action by doing such. Please delete inaccurate information that you know you can't verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 my wife and I sent out debt validation letters to National Credit Systems , Inc. in regards to a debt listed on our credit. We received in return a copy of the lease and final bill ( which we never received ) and they stated the debt was valid. In XX/XX/2018 we called the company to make arrangements to pay the debt and were told the they don't have the debt but it is still showing on our credit from them. We were referred to another copy but National Credit Systems , Inc. but the copy is closed and number is disconnected.
Product: Checking or savings account

I was a victim of identity theft twice over the years. I have lost every bank account I had due to this situation, and I have yet to regain access to any of my accounts that I had with XXXX, Navy Federal, and XXXX XXXX XXXXXXXX before all this happened. In reference to Navy Federal, I was dealing with the death of my XXXX XXXX  when I initially found out about it, so I did not dispute or address anything right away. When I did, I was denied access multiple times after being a member with them going on 10 years. I filed a total of XXXX appeals and was still denied. Feeling like I was running out of options I contacted the XXXX XXXX XXXX XXXX XXXX XXXX who the banks use to run customers consumer reports before allowing them to open a bank account to dispute the information the banks provided to them. In doing so I provided the police report & letter from the Federal Trade Commission and the information was removed from not only my XXXX XXXX  report but XXXX XXXX XXXX  as well. I feel like if they could except the documents I sent in and take it off my report then why can't Navy Federal rescind their decision to stop doing business with me. I've been a member going on 10 years with Navy Federal and to be treated like the accuser instead of the victim is sickening to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I tried to open a XXXX checking account and was told they could not open it because chexsystems was frozen. I told them I have never frozen it so they called chexsystems and they said it was not frozen to try and pull again. They did this again and it came back again saying frozen. On XX/XX/XXXX again XXXX tried again to pull my report and it came back saying chexsystems is frozen. We called again and was told it is not frozen. Chexsystems told them to pull it again and they tried again and was still showing frozen. I ordered a copy of my report and called in and was told again it was not frozen. I have never had a problem in my life opening a checking account and now I have 4 XXXX inquiries I want removed because all 4 times chexsystems said it was frozen. On the back it says XXXX XXXX frozen. Yes I did freeze that but not chexsystems. It was frozen because of the breach XXXX XXXX had. I would like that removed from my chexsystems report as that is coming through to banks that I have my chex report frozen which I do not and never have. Dl number is XXXX ss XXXX
Product: Checking or savings account

I opened a savings account in XXXX XXXX  on XX/XX/2020 around XXXX XXXX  EST. 
I was not able to link my PNC bank checking account to put funds into the savings account just opened in XXXX XXXX, using linking accounts process
Product: Money transfer, virtual currency, or money service

I attempted to close my account with Venmo, and Venmo does not appear to be willing to close my account unless I provide a picture of my government issued ID, and a picture of me holding my ID. 

I don't like the idea of keeping an account open for a money service that I no longer plan to use. I also don't want to give out personal information that shouldn't need to be given in order to cease business with that company. 

Companies are routinely hacked and data is routinely leaked. By requiring personal information that is not necessary for closing my account, Venmo is putting my data and my identity at risk. I have been able to close accounts on many other money based services ( such as banks ) without needing to jump through so many hoops.
Product: Vehicle loan or lease

I have an existing lease with my car which will expire in XX/XX/XXXX. My lease is held by Chase Bank. I have a perfect payment record since XX/XX/XXXX which is when I signed the lease. However, my credit report regarding my lease is negative since I filed for bankruptcy in XX/XX/XXXX which was closed in XX/XX/XXXX. I did not include my lease in that bankruptcy and I held on to my car with continuing to make prompt payments. I have never been late and my account shows that I pay at least 10 days early each month. I submitted all paper work to Chase and my attorneys have contacted them as well and I have spoken with them numerous times. They refuse to report my excellent status and continue to report that my account is closed due to bankruptcy and in derogatory status. 
They insist that since I have a bankruptcy on my record that they have the right to report it on my credit report with them. This is affecting my ability to lease another car because of the inaccurate reporting by Chase Bank. I have had two accounts with Chase in my life time for cars and each one was in excellent standing. My bankruptcy in no way affected my lease and yet they are affecting my credit and credit score negatively. Please help me to have this corrected.
Product: Vehicle loan or lease

I have been contacting BMO bank since XX/XX/XXXX regarding incorrect distribution of my monthly payments on my RV loan. All of my payment is being made to interest for XXXX and XXXX payments. My loan was established at the time that BMO absorbed Bank of the West. I called the XXXX number on multiple occasions and was told it was a known issue during system transfer and it would be fixed. I called again on XXXX and I was told a ticket was submitted. On XX/XX/XXXX I was told it was in process and would take XXXX business days. In the meantime I made my XXXX payment and reviewed my account and the payment was split between interest and principal by the system. I called back on XX/XX/XXXX to find out when XXXX and XXXX would be corrected. I was told another ticket would be submitted. I called back on XX/XX/XXXX and the correction is still not made and the representative stated that no notes existed for my prior call on XX/XX/XXXX. The rep on XX/XX/XXXX resubmitted with XXXX case IDs which were provided to me and they are XXXX and XXXX. They are still telling me 3-5 business days and maybe someone will call me back. They also stated that initially payments go to interest. That is inaccurate. Any loan payment has the majority going to interest and a small amount to principal. Their system did the allocation itself in XXXX. Why is this not occurring for XXXX and XXXX? Also, they still have yet to provide me with a payment schedule for the life of the loan. I need to this to be resolved and my payment information to be accurate.
Product: Checking or savings account

They will not let me do anything with my account even though I sent in all the proper documents like identity card and social security card pictures through email, uploading to website and chat box. My number need to be updated they refuse to update it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing concerning an issue with credit bureaus. As a survivor of XXXX  XXXX, I have experienced some hardships that no one should experience. In this matter, the credit bureaus have aided the illegal efforts of harassment and XXXX over several years, and still insist on pridefully carrying on and abusing their power. Over the last several years, my credit has been illegally monitored by someone in the bureaus. My score fluctuates in the same range based off of what's going in my life. For instance, several days ago a young man offered to help me with a loan from his company with my current credit score ( XXXX ). That evening my score went down to XXXX after refusing a XXXX XXXX. On several occasions, the student loan servicer would report to my credit anytime a situation of this nature would occur. On several occasions in XXXX and XXXX, the harassment and XXXX reached an all time high and I became XXXX XXXX unable to function as I needed to personally and for my children. It went on in my workplace, at home, and in other areas. I disputed several incorrect items on my report, and they refused to even contact me because of certain individuals connections on the inside. I haven't received an XXXX  report in three years, and I have attempted to obtain on four different occasions. I have tried to push forward in my life financially, physically, and emotionally with these hardships. I have tried to stay positive, but the truth is I need help from authorities because it has gone too far, and cause great detriment to me as a mother and to my children. I need help in this matter because I have truly done as much as I can possibly do to pull out of this.
Product: Mortgage

Freedom mortgage needs to be investigated. My loan was transferred to them and Ive been having problems day 1. I have insurance through my bank they have forced mortgage then they added late fees. I paid everything then a week later notice on my account my escrow account is negative and they doubled my mortgage. I have never missed any payments and late fees for unclear reasons. My account was transferred XX/XX/2023. And my fixed rate increased ( roughly ) {$30.00} a month. When you call rep explains my account is update to date no issues but here I am with next month XXXX statement double mortgage. Absurd.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX They are violating my rights with XXXX reporting to my credit report An account that doesnt belong to me
Product: Credit reporting or other personal consumer reports

My credit report has been affected and affects me from being approved for future lending from othe lenders as a result. State Employees Credit Union is saying that I have late more than 60 days on my mortgage. Which my score has dropped XXXX points. I applied for a payment extension on XX/XX/year> due to medical reasons I was out of work. My last day worked before having an operation was XX/XX/year>. I provided them with the required medical documentation. State Employees purposely took more than 30 days to process my request making it late. For this to be resolved I am requesting that the last payments be removed from my credit report from XXXX until now.
Product: Mortgage

I was refer to XXXX XXXX from Guarantee Rate Mortgage for a lender. Mr . XXXX wasted three months of my time. I was not told in detail everything I needed to do to be able to receive a preapproval. I was just told I needed to improve my score by two points, I was also  told that I can receive a preapproval for a mortgage loan with a XXXX. Once I receive the XXXX, I was then told I needed two credit lines open. Mr.XXXX  never ran any numbers to try to get me a preapproval, he also would not return my email or calls. I wasted three months of time and was lied too. He is unprofessional. I feel discriminated because of my poor score he didn't take the effort to try to help as a client.
Product: Vehicle loan or lease

I obtained a car loan from Wells Fargo in XXXX, I paid off the loan XXXX XXXX. 
Wells Fargo misappropriated some of my payments and declared my loan delinquent in XX/XX/XXXX for {$450.00}. Then in XXXX XX/XX/XXXX they sent me a refund check for {$800.00}. This is similar to the lawsuit and mistakes Wells Fargi admitted when they settled with you 2 years ago. 

Wells Fargo did not apply some of my loan payments correctly and my account was short due to this Wells Fargo mistake. 

Please help me, Wells Fargo is refusing to fix this problem. The employess at Wells Fargo executive office XXXX staff told me to get a lawyer and then they will talk to me. 

Please contact me.
Product: Mortgage

Hello, I have been affected by the recent XXXX  in XXXX, the XXXX XXXX. Luckily, the house didn't burn down, and my family and I are still alive, however, we were evacuated for days and XXXX  an extensive XXXX XXXX The Governer as well as President XXXX declared emergency natural disaster for my area and provided some benefits to the homeowners affected by the fire, i.e., forbearance and prohibiting the lenders to foreclose and file a notice of sale. 

This has affected my business I do tax preparation and working from home. some of my clients have been affected by the fire and I don't know if they are going to come back to do their taxes. 

As if that wasn't enough, right after we were allowed to come home, a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Mr. CooperXXXX has just filed a notice of sale to sale my house on XX/XX/year>, in violation of the law. 

I called as well as tried to request for forbearance due to natural disaster online, but the program doesn't allow me to do it. when I called Mr. Cooper, I was told that I could not qualify. Please help me save my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX  DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX  DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX  DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX  DATE OPENED : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been asking XXXX, Equifax and XXXX for corrected copies of his credit report since XXXX. XXXX has allowed his account to be hack, ghost debts to be reported and incorrect information detailing the debt owed to his child support reported by this company. XXXX had XXXX prior loans with bank XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX paid off his debts in full XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX received a credit alert from XXXX, XXXX and Equifax stating the above-mentioned credit unions are still filing reports and attempting to collect on what is now considered a ghost debt, thus violating FDCPA and companies like XXXX, Equifax and XXXX are allowing it to happen. These financial institutions are reporting these accounts as late of 60 days, with accrued interest but XXXX XXXX has already received his Titles in the mail, thus gaining complete ownership of asset held as collateral by this institution. Why is this highly recognized institution continuing harass, defame and embarrass XXXX by reporting negative remarks on his credit report? While is XXXX, Equifax and XXXX allowing it? Damages have been caused by these unlawful acts thus damaging his credit file, credit report, credit worthiness and overall reputation. These acts of libel are stopping him from receiving access to the credit and funds promised to him under the credit reporting act that therefore would not be withheld without the acts of these vile predatory institutions. In addition to, XXXX, Equifax and XXXX has allowed the false reporting of the status of XXXX XXXX 's child support. For years XXXX has allowed this to report as late or past due over {$2000.00}. When XXXX asked for proof in the past of these debts, XXXX, XXXX nor Equifax provided any. XXXX is retaining legal counsel against XXXX, Equifax and XXXX if these acts of libel and false reports continue to ruin his credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a dispute to Equifax stating Inquiries were Unauthorize and to validate 2 accounts I have no knowledge of! As of date I still have not received a response back to my dispute. I called all companies on XX/XX/2021 to investigate these accounts and requested verification and also as to date I have not received any further information about this very serious matter. As per FCRA 15 USC 1681i ( a ) company has 30 days to response to disputed items once letter is received also pursuant to 15 USC 1692g I never received notification of this alleged debt. Please look into this very serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX REPORTS INACURRATE STATUS abd has repeatedly attempted to collect the wrong amount of accounts prior with XXXX  XXXX in violationof FCRA, UDAAP, and FDCPA. I have no contract with XXXX. These were secured accounts and deposit adjustments are not being reported. Furthermore, these accounts are not active revolving credit accounts. THE DATES OPENED ARE INCORRECT. XXXX  and Transunion refuse to open consumer investigations into these actions. 

XXXX XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/18
Product: Checking or savings account

I tried to open an online account with TD specifically because it could be done online. There are no TD branches in my town. During the process, the website errored out. I called the 800 number to try to finish it online and was told 1 ) I did not complete the process and sign for the account so it would close if not funded, and 2 ) I was also told it wasn't possible to correct over the phone and that I had to go to a branch. I told them then that wasn't possible given transportation difficulties and the pandemic. Again, the phone representative said the accounts would just close if not funded. A month later, I get a statement. I called AGAIN, and was told the same thing by TD, who tried to refer me to a branch in a neighboring town. Again, the reiterated that travel was not possible and was told by the TD representative that if the account was not funded, it would be closed by TD. A month later, I received another statement, this time showing a fee of {$25.00}. I called again, ... same thing. I was told only the local branch could close the account. I called that branch on XX/XX/XXXX spoke with the manager, XXXX, who told me it would be closed and she would confirm that for me once done. XXXX just called ( XX/XX/2021 ) telling me i had to make the trip to the branch. I reiterated for her that she was asking me to close an account that I NEVER SIGNED FOR AND SHOULD NOT HAVE BEEN OPENED and reminding her of the pandemic risk. TD opened an account without my signature, NOW is claiming I have to take unnecessary risks, time, expense and travel to correct their mistake. They are refusing to correct this via mail, internet or any other reasonable manner, even though I am going out of my way to work with them to find a suitable solution that does not involve health risks or a time/cost burden of travel.
Product: Checking or savings account

I received a Netspend debit Visa card in the mail on XX/XX/year> that I did not sign up for. I immediately went online to look up the bank/institution that it came from. I called the customer service line. There were automatic prompts to enter the card number to decline the offer of the card. I entered the card number. It said the card had already been activated. It also asked for the last 4 digits of my social. I didn't offer this info. I was given no option to speak to a customer service representative ( I called within their listed customer service hours ) so because I didn't enter my social sec. number, I was hung up on.
Product: Consumer Loan

Nationwide LLC continually making harassing phone calls to me, my wife, and everyone on our reference list. I am unable to make timely payments due to my wife 's frequent medical expenses, rent and other bills. I pay whenever I am able. This company relentlessly calls me asking to pay. Making threats to repo the car. which I need in order to go to work and provide food for my family. The caller " XXXX '' from Nationwide LLC was very immature and very threatening to me and my wife and to all the refences my wife and I had listed on our application