23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX XXXX is reporting three late payments of XXXX  days. XXXX, XXXX and XXXX This is highly incorrect. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account was opened XXXX. XXXX, XXXX. It was an XXXX XXXX. Reporting XXXX XXXX inquire should be removed. XXXX. XXXX, XXXX. Reporting XXXX XXXX XXXX inquire should be removed. XXXX. XXXX, XXXX. Reporting XXXX XXXX XXXX should be removed, not my name. XXXX XXXX is my name. XXXX XXXX XXXX XXXX is reporting should be removed. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX is reporting should be removed, my only address is XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Credit card

XXXX, XXXX, and XXXX on behalf of a XXXX  XXXX Credit Card. My deceased ex husband applied for this card in XXXX. I asked for an appeal because I did not apply for this card. When my ex stopped paying on this card, they sent out a process server. The documents had my name on them and I no longer lived with my ex husband. My ex husband signed those papers. I never saw them and never knew about court dates. Within 4 years, my checks started getting garnished and they randomly drain my bank account and will garnish my paychecks. XXXX XXXX no longer exists. This was not my debt. My deceased ex husband did this illegally and again signed the process server papers, which I never saw or agreed to.
Product: Debt collection

I have debit on my credit credit report from IC Systems for XXXX I never had an account with them
Product: Credit reporting or other personal consumer reports

Complaint Against TransUnion Subject : Denial of Fraud Block Request and Failure to Address Identity Theft Claims Details of the Complaint : TransUnion has violated my rights under the Fair Credit Reporting Act ( FCRA ) by : Denying a Valid Fraud Block Request : I submitted an FTC Identity Theft Report, along with proof of identity and address, as required by FCRA 605B. TransUnion rejected this documentation and failed to block fraudulent accounts and inquiries from my credit report. 

Failing to Investigate Disputes : Despite receiving disputes regarding fraudulent accounts and inquiries, TransUnion continues to report incorrect information, violating FCRA 611 ( a ). 

Ongoing Reporting of Inaccurate Information : Fraudulent accounts such as XXXXXXXX XXXX XXXX XXXX XXXX, and multiple XXXX XXXX accounts remain on my report, along with unauthorized inquiries. This violates FCRA 1681e ( b ) ( maximum possible accuracy ). 

Harm Caused : Financial Harm : Denial of credit opportunities and increased interest rates due to fraudulent accounts. 

Reputational Damage : False information on my report has harmed my creditworthiness. 

Emotional Distress : Prolonged stress and frustration caused by TransUnions negligence.
Product: Credit reporting or other personal consumer reports

I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.
Product: Credit card

On XX/XX/XXXX I made a purchase with my Goldman Sachs Apple Card at XXXX XXXX ( online ) for {$250.00}. The company said the item was shipped and did provide tracking but the item never arrived. The company XXXX XXXX said they dont issue refunds at all and said if we wanted another we would have to wait the 30 days for another one which didnt work out for us. We contacted Goldman Sachs and filed a dispute and it came back in favor of the merchant. We filed another dispute stating we never got the item and it came back in merchants favor again even though we have stated we never got the item. Goldman Sachs just keeps telling us to dispute the transaction again but no matter what we do it goes in merchants favor. We have disputed this 3 times and have to dispute it again for the 4th time with no help
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and my personal information has been used fraudulently. The following accounts appear on my credit report but were not authorized by me. I am requesting that these accounts be blocked and permanently deleted from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00}
Product: Credit reporting

Placed judgement on my credit report, after I had them remove inaccurate information in collection, so they removed it as a collection and unlawfully placed it as a judgement. I was never notified I was being sued by anyone, requested paper showing court summons never received them.
Product: Debt collection

I have no knowledge of this company portfolio recovery debt of {$150.00}. On XX/XX/23. I requested validation, verification. I informed them that, I dont have a contract with this company and requested that but wasnt provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Chase Southwest credit card in XX/XX/XXXX and always paid in full every month. My balance was zero an XX/XX/XXXX and again on XX/XX/XXXX when I closed the card because I didn't use it enough to be worth the annual fee. I received a call last week from Chase stating that my payment was 57 days past due and I asked how could that be if I closed the account months ago with a zero balance. They stated that a charge was allowed in XXXX of XXXX XXXX months after the account was closed. I have since disputed this charge twice, but have failed to get it removed from my credit report and I am still incurring late charges on a fraudulent charge. I do not receive a paper bill or have access to this account through the app since it has been closed for many months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to inform that I become a victim of Identity theft. I can not explained how that happened but recently bureaus filed accounts that are not mine. Moreover I am not connected to these companies of accounts. I have never done anything with the. Accounts are wrong, amounts are wrong, everything is wrong and not mine. So please delete them ASAP
Product: Debt collection

I received a letter from a company called Dynamic Recovery Solution stating that I owed {$480.00} for a balance on a XXXX XXXX credit card ending in XXXX. I have two XXXX XXXX credit cards neither end in that number and both have zero balances. I went to XXXX XXXX and they have no record of it other than my two credit cards ending in different numbers. I have never received a past due notice nor has anything ever been on any of my three credit reports. I have had the same address for about ten years and same phone number and I have never heard anything from XXXX XXXX XXXX. I tried to contact Dynamic and not only were they rude but they informed me that they would obtain a judgement and I would have to pay more and that it would be better if I just paid the debt. XXXX  XXXX advised me to not do that and to file a formal complaint.
Product: Vehicle loan or lease

XXXX in XXXX FL is the company, so my sister stole my identity and got a car in my name without my consent but the dealership knew she wasnt me because I came in a week prior so they pulled that same file from the week before and processed all of my information without my consent I have every document from proof of purchase and not one document has my signature on it yet they let her lease and financed a car for her in my name and now I have debt on my report it was {$20000.00} but I looked again and its now at about {$5000.00} and I am not responsible for this and they know it because nothing is signed they just financed a car for someone based off them knowing my name and coming in to the dealership with me a week prior and I tried to inform them about the issue back in XXXX as well as explain that I never signed any paperwork and that I wanted to return the vehicle, it had been less than 30 days they said NO and it was my problem basically and I would have to pay
Product: Credit reporting or other personal consumer reports

I am writing to formally contest the inaccurate information present on my credit report following my recent experience as a victim of human trafficking. I have identified several accounts and/or items on my credit report that are incorrect and were not authorized by me. 
I respectfully request the immediate removal or correction of the following accounts and/or information : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage from XX/XX/XXXX was returned at some point between XX/XX/XXXX and XX/XX/XXXX. 

I received a XXXX from mortgage ( XXXX ) company stating the XX/XX/XXXX was returned on XX/XX/XXXX due to insufficient funds Originator tracer number XXXXXXXX XXXX XXXX. The XX/XX/XXXX payment was rejected due to insufficient funds. 

This return was never noted or credited to my account by Fiserv, XXXX XXXXXXXX XXXX XXXX XXXX Multiple claims were made with Fiserv to trace this money. I have yet to hear a result directly from Fiserv. Fiserve has claimed they recieved an amount of {$1400.00} at around this time but did not credit it to my account to show that. This is a human error that needs to be resolved. 

XXXX XXXX XXXXepartment sent XXXX letters in XXXX recognizing all transactions and returned the {$1400.00} directly to my account via direct deposit. So now missing mone. found i paid mortgage the right amount! 

XX/XX/XXXX. Fiserv started claiming I owe $ {$1400.00}. I have requested written communication mailed to my house about this so i can take it to XXXX  and XXXX but have not recieved anything in mail. Someone claims to have spoken to me and sent out documentation but i dont know how and where it was sent. It wasnt to me. 

The {$1400.00} that i owe them was recieved by Fiserv on XXXX and not credited to my account. They admitted receiving.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

-JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Hello After reviewing the response from Portfolio Recovery which they said belongs to me. I still haven't receive any documentation bearing my signature. I have not received any documentation with my signature. According to section 609, the company has to produce a copy of the original application with me signature on it. Has of today they have not did so.
Product: Mortgage

I have a Suntrust mortgage on a home in VA. I have never been late on a payment until XX/XX/2018. I have a lease purchase agreement that requires the lessee to make the payments at the branch. On our about XX/XX/XXXX, a payment in the amount of {$6000.00} was made. Unfortunately there were insufficient funds and the check was returned. Suntrust attempted to redeposit the check 3 times and each time it was returned. On XX/XX/XXXX, I was notified that the check was returned for insufficient funds. Since this payment was due on XX/XX/XXXX and since I was notified after the 30 day window, Suntrust informed all credit bureaus that I was 30 days late. My Credit score dropped approximately 60 pts on credit bureaus. I believe that Suntrust had the opportunity to inform me that that the check was returned before XX/XX/XXXX. I have discussed this with Suntrust and submitted a dispute and it was denied. I have clearly been treated unfairly by Suntrust and they have no intention of accepting any blame for the lack of notification. My complaint filing is delayed, because I never new this was an option until recently.
Product: Mortgage

I have a 1st and 2nd loan on my home. The predatory lender on my 2nd started a default judgement XXXX/XXXX/15 also called foreclosure. I have sent the 2nd lender the full amount of money owed via a certified check to get my home out of foreclosure. The 2nd lender says they will not apply the check to my account to bring it current until my 1st is current. My 1st is not in default or foreclosure. The property has a lot of equity over the 20 years I have lived here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My last financial transaction with Wells Fargo concerning an auto loan was in XX/XX/XXXX to pay a charge off of {$430.00}. On XX/XX/XXXX I received a notification from my credit monitoring service of a 20 point drop in my XXXX  score due to an update from WELLS FARGO DLR SVC/ WACH DLS. The account is now listed as bad debt placed for collection. I have requested an explanation from Wells Fargo but have not received any. This has caused me to delay a planned car purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from my XXXX XXXX  account that my credit score had decreased XXXX points. Upon checking I saw that a collection/charge off from XXXX XXXX XXXX XXXX In the amount of {$1600.00}. Had been reported to XXXX on XX/XX/XXXX. It says the original lender was XXXX XXXX XXXX XXXX. The age of the account is 3 months, the credit limit was the highest available amount. I HAD NEVER HEARD OF THIS Company until I had seen it on this Report. I never opened this account. I do not know what this is for. I opened a Dispute claim with XXXX. On the next day I called XXXX XXXX XXXX. I left a message. I still have not heard from them. When I opened my mail later this day I got a notice from another collection agency, Halstead Financial Services. I called the number on the letter. They did not want to resolve the issue all they wanted was for me to pay the money. They said the account was opened on XX/XX/XXXX, an installment loan. The operator said it was for an XXXX XXXX  XXXX, XXXX headphones and couple of other things. She said I could dispute the account at XXXX. She also said she would have another department call me back to handle the dispute. No call back yet! Next, I called XXXX XXXX XXXX, spoke to a man named XXXX XXXX, he was very apologetic and said that he was sorry for my experience. He said that they have had problems with this happening lately. He told me that I needed to file a police report and then send it to XXXX. I called the local sheriff dept and filed a police report. The deputy told me that I also needed to file a complaint on the FTC website. Which I did. We have also reported XXXX XXXX XXXX and XXXX XXXX XXXX to the XXXX XXXX XXXX On XX/XX/XXXX I received a letter in the mail from Halsted Financial Services for this account as well. I called them and spoke to XXXX who said she was a Supervisor. They had my Date of Birth and the last 4 of my Social Security number. She told me to dispute this account by sending an Email to XXXX. Which I did. 

XXXX XXXX requested that I open a Police report which I did on XX/XX/XXXX.
Product: Mortgage

My husband a XXXX XXXX Veteran and I have a mortgage with New Rez Mortgage. It is up to date. NewRez Mortgage has asked for a copy of our homeowners insurance policy. We have faxed it and mailed it 4 times. Our Insurance agent has sent the information.They refuse to acknowledge receipt of this information I have called New Rez to ask if they have the information and they said yes. And they continue to send threatening letters that they will buy insurance for us at a high rate if we don't send a copy of our policy. It has been sent 5 times and they refuse to acknowledge receipt of the information. I am XXXX XXXX XXXX and I get chest pains each time a letter arrives. I don't know what to do. No one will help us. New Rez will not give us a street address to send the information certified. They will not allow me to speak to a manager. No one will help me and I don't know what to do. Now they are sending Letters with XXXX XXXX saying they are going to buy insurance for us at a high rate. New Rez needs to acknowledge the i insurance we sent. It has our ID number on each page. And it costs us money to fax and mail to their XXXX XXXX XXXX I don't know what to do and I am scared. Please help make them read the information we sent. Thank you
Product: Credit card

I am a victim of identity theft. I recently learned that my personal information was used to open accounts with creditors, schools, the IRS and has attempted to do much more. I did not open or authorize these accounts, and I therefore request that they be closed immediately. I also require that these companies absolve me of all charges on these accounts and that they take appropriate steps to remove information about these accounts from my credit profile. 

The following information does not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After i found out that i was a victim of identity theft, i contacted the credit bureaus and let them know that these accounts where fraudulent. The credit bureaus refused to remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : Discover Bank Account number : XXXX I requested a thorough re-investigation on XXXX XXXX via certified mail for all 3 credit bureaus. This account is mine. My wife opened it up in XX/XX/XXXX as suggested when we were applying for a mortgage. I am only an authorized user. I did request that all dates, balances, numbers, payment history, etc. be verified and updated from all 3 bureaus, but there were inaccuracies still found on the new credit report for XXXX XXXX, XXXX. A few being that XXXX shows absolutely no data on the report, only on payment history, which are violations automatically. Balances, Date last reported, High credit, Credit limit, and all are not being reported the same from each bureau, which makes every line a violation according to FCRA. The account is paid in full by due date every month since weve had it, but XX/XX/XXXX and XX/XX/XXXX is not showing any data for it. Not only that, but my wifes credit report that was pulled also on both dates ( XXXX XXXX and XXXX XXXX ) is showing differently than whats reported on my account for DISCOVER BANK. 

Im not asking that the account be deleted, just corrected, and monetary relief for the violations. It seems small, but because of credit issues, I no longer have a home for me and my family. I was denied housing because of all the inaccuracies on my credit history. Its been well over 30 days now, and the latter credit report is worse than the previous credit report. 
Tracking Number : XXXX XXXX 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

I have filing disputes with all 3 credit bureaus for over a year and none of which have responded. I have been calling XXXX, XXXX, and Experian and havent been getting a response. I have mailing in dispute letters for over a year and have not seen a difference in my credit score. This is affecting my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Capital One to help me figure out my points in my credit bureau. The only reason why I have a negative points on my credit bureu is because capitals ones customers service center in XXXX XXXX offered a credit card to me, which he said it would be monthly payments. An emergency came I used an amount of XXXX dollars when I tried paying my monthly they told me that I have to pay that XXXX in full, that is not the agreement I agreed to get the credit card. capital one called and said that I have to pay the full amount so at that time I couldnt make full payment and they put a bad point on my credit bureu their customer service lied to me to just to get me to sigh.when I confront capital one customer service said there isnt any notes how they explained to me about the monthly payments, I called back, I feel very unheard and hurt by the way, Capital one has treating me being that I am cooperating to pay the full amor of XXXX. I called one last time and they want to, be very aggressive with theyre speaking. They said they dont participate in figuring out a solution. They did not give me any options to figure something out. I tried working with them. I tried understanding what youre the agent was saying and it all does not make sense. I spoke to XXXX # XXXX she said I could not speak to anyone else she was in the highest position.
Product: Student loan

I submitted a SAVE repayment plan XX/XX/2023 for student loan repayments. As of XX/XX/XXXX, Nelnet has yet to process my account and continually keeps placing me on administrative forbearance. While on administrative forbearance, I am being charged interest that I would not be incurring if Nelnet would process my XXXX account and allow me to make payments. This interest should be forgiven because it is not my problem that they are understaffed and cant process my account.