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

As of or around XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX all reported XXXX XXXX XXXX  Account collections as closed, Charged off, and Deteted from credit report. 

Nevertheless, on XX/XX/XXXX XXXX the same XXXX XXXX XXXX  Account {$930.00}. REAPPEARED, on credit report by collection agency LVNV FUNDING LLC, showing inaccurate information, account as OPEN, with opening date for XXXX, XXXX, missed payment history for 1 month affecting my eligibility to move forward with my credit repair in which I pay hefty too bring to good/ excellent standing. 
All information had been disputed with all Bureaus who informed me of the ACCOUNT CHARGE OFF & DELETION IN WRITING. 
This is against the law for collection agencies to not only report false information, inaccurate information, inaccurate Missed payments, fraudulent information when buying these accounts affecting someones life. But reopening Charged Off, Deteted Accounts, with Misinformed missed payment history.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

AMEX has applied my negotiable instrument as instructed, however I am not able to use my credit card because of credit limit they have applied to my account which should be open-ended. I have made multiple attempts to discuss this with AMEX to not avail. 


15 U.S. Code 1666b - Timing of payments a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Definition based on banking law : Account means an extension of credit. When employed in relation to an account, the word use refers only to open-end credit.

Applicant means any person who requests or who has received an extension of credit from a creditor, and includes any person who is or may become contractually liable regarding an extension of credit. For purposes of 1002.7 ( d ), the term includes guarantors, sureties, endorsers, and similar parties.

Application means an oral or written request for an extension of credit that is made in accordance with procedures used by a creditor for the type of credit requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. I am submitting this complaint to you today to request that Experian provide me copies of documents bearing my signature to verify the status of the disputed account. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account below needs to be corrected : XXXX XXXX
Product: Prepaid card

Dates between XX/XX/2023 and present in various amounts. Multiple unauthorized transactions for purchases sent to XXXX XXXX accounts. Called Money network at XXXX and disputed transactions and cancelled and requested a new card. Money Network just explained that they would be sending a dispute form but that I never receive the form in time to submit it for review and refund approval. I have had numerous issues with this and have been denied the refund because the form submitted was past the deadline but wasnt received until the day it needed to be submitted back.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that three late agencies had taken on a role and had a responsible report. Information to the consumer to the best of its ability with maximum precision. I am not late in the account payments : XXXX  XXXX XXXX : XXXX, Investigate and provide evidence with statements showing that these payments are late. If proof can not be provided, I demand that these payments be updated in time as they should be. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : - XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I have with XXXX XXXX XXXX, .XXXX,  XXXX XXXX which has XXXX XXXX XXXX XXXX. I was retired from my job at the XXXX XXXX XXXX  due to medical reasons. onXX/XX/XXXX. Because of the medications i take are XX/XX/XXXX I am unable to drive. I called Ally to surrender my car XXXX XXXX XXXX which I purchased in XX/XX/XXXX. It was in excellent condition with less than 10,000. miles. I sent Ally the medical information. 

They dent me as debt collection letter stating that I owe them {$16000.00} because they sold a {$300000.00} car for {$16000.00}. I had several credits on this account totaling {$1800.00} which they kept. I have just recieved my first pension check which of course is not enough income to pay this bill.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  I applied for XXXX XXXX benefits due to all the stress that I had been going through since there is false information being portrayed from accounts that where opened online, funds where deposited elsewhere and not to my personal checking account XXXX is my routing number and XXXX is my account number that is under my real name XXXX XXXX XXXX someone opened up a fake account in XXXX XXXX  under a false name and number since they were only capable of writing XXXX XXXX and my ssn number that clearly is not what resembles on my physical SSN card because it has all 4 of my names on it. I believe it was my old roommate who self evicted me and stole my stuff including my lap top and was able to get partial information about me that allowed him to get a enormous amount of credit lines through online websites and I had not gone out of my way ever since my last car loan with XXXX XXXX in the year XXXX because I always make it my goal to use my sensitive information to get car loans or personal loans in person and never online how many of the fraudulent accounts show I did I am positive it is his because when I was getting unemployment benefits and went out of town the bank caught my old roommate removing XXXX $ from that account which they gave me back after they investigated and looked through the video footage of the ATM where he removed the cash from not far from where we used to rent together along with 6 other people but he was a XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I tried contacting the XXXX XXXX police department but they were of bo help since they said that they don't deal with civil cases and if I wanted something done I had to go to court but other than standing by as I retrieved all my belongings and fit what I could in my XXXX I ended up loosing the court case of getting a restraining order against him because XXXX XXXX believed all the fake witnesses he brought to testify under my name. I do have messages from XXXX XXXX sending me pictures of my stuff in the street and even saying that he tried to look for me at XXXX XXXXXXXX XXXX XXXXXXXX XXXX california XXXX which is my father 's house that I had not lived in since XXXX so that's how I concluded that he was the culprit as to who opened those fraudulent accounts under my name because he never knew my full name or ever knew where I was staying since I've been homeless for the past 2 years because I don't pass credit checks due to all the damage he has caused me in a mental level which I thought was somewhat impossible but once I became a first hand victim of his mental torture I realized that he went to prison for a reason I just never knew for what because he had already self evicted me on his own without being the main man who collected rent. So everything that says XXXX XXXX and his old number XXXX are accounts opened by him not me due to the fact that no contract has my signature or my whole 4 names.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on all of my credit reports that I have a charged off account with them. I have never had any accounts, credit cards, etc. with XXXX XXXX. I've disputed this with all 3 credit bureaus and keep getting a response that says this information " has been verified '' and if I don't agree with this decision, I would need to contact XXXX XXXX myself. So I did, and told them they need to stop reporting this erroneous account on all 3 credit reports. They ( XXXX XXXX ) have failed to respond to my request and the erroneous accounts are still showing up on all 3 credit reports.
Product: Mortgage

I have recently applied for a refinance loan, and the new company that is financing the refinance mortgage failed to provide a notice for the first payment that was due. 
The first loan payment was due on XX/XX/2021. And on XX/XX/2021, I realized that I have not received any notification from the loan company, so I took the necessary steps to register a new, online account with this company to submit the payment online. Consequently, I was able to avoid missed or late payment. 
When I tried to contact the company to get more information on why they have not provide any kind of notification on that the payment would have been due, they failed to provide any explanation for this.
Product: Checking or savings account

My personal information was stolen an change in XXXX XXXX causing my personal information be incorrect so I can't uptain my personal asset someone change my identity to calming power of attorney over my asset I never requested a power of attorney over my asset
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX 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 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 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Debt collection

Harris & Harris attorneys keep calling every day. We do not have any outstanding debt. These are robocalls. Their number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian told me that my security questions were incorrect and that they were based on a third party website when I tried to have my fathers name removed from my credit record. I called on XXXX/2017 at approximately XXXX XXXX. I was told that they could not provide a reference number for my request because the answers, including my mothers maiden name were incorrect based on data from a third party website. I asked to speak to a manager. They said that was not possible because of call volume but that they would call back. 

Someone whos caller ID showed as XXXX XXXX XXXX, XXXX called back at approximately XXXX XXXX. I have no accounts with XXXX. I was told that I had an  existing relationship with a membership service with Experian. THe caller still refused to provide a reference number for the request. This request was initiated at XXXX. I was informed throughout the entire process that the calls were being recorded. They should have those records. 

I wish to have the incorrect name removed from my credit record and to have Experian be required to provide reference numbers for transactions when their own website requires you to call them because they can not /will not process them on-line. This is a consumer rights catastrophe if you allow the credit reporting agencies to treat their unwilling targets in this way. With all of the problems that have occurred with XXXX, it is very disconcerting to have one of the alternative credit reporting agencies also fail spectacularly.
Product: Mortgage

I am writing to you because I feel that I have been severely wronged by Wells Fargo. I had lost my job and was 2 months behind on my mortgage and doing my best not to miss another payment for fear of falling into foreclosure. I had also had to file bankruptcy due to my financial situation. One month I could not pay the mortgage until the XXXX of the month and the lender sent me a notice of pre-foreclosure and said they could not accept my payment because my file had fallen into pre-foreclosure. I tried for over a year to get the hardship assistance from Wells Fargo and they played constant games with me. They told me I had to be at least 3 months behind before they would review me for any assistance. They also kept switching customer relationship managers every month. I could never get the same person on the phone. Even though I sent paperwork multiple times they claimed they never received it. When I did get them to acknowledge that they received it, the next time I called in, the next rep would tell me they lost my paperwork. They also would tell me that certain documents were not received on time and made me apply and re-apply over and over again. Wells Fargo made this process very frustrating for me. I am a good person and believe in paying my debts, but the way Wells Fargo has treated me, I do n't think they want me to keep my home. I have a legitimate reason for hardship and my mortgage is 55 % of my gross monthly income. If Well Fargo would just do the right thing and lower my interest rate and payment from the 5.25 % adjustable loan I am in, then I would be able to afford my bills and the mortgage with money to spare. I think the real reason Wells Fargo is denying me is that they see that I have some equity in the home. From what I understand, this is not a valid reason to deny my hardship. I know that I meet all of the federal criteria. I just want to keep my home. Please help me get this resolved with Wells Fargo. I know they were fined a lot of money by the government last year specifically for playing the types of games they are playing with me, but I guess that fine was n't enough because they are still violating the agreement with the government. Please help me keep my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2017 XXXX XXXX sent me an email to view current auto refinance rates. I viewed the link to see what the current rates were and it sent my information to " XXXX XXXX '' and " XXXX XXXX XXXX '' as a hard inquiry and dropped my score by 52 points! I never filled out any applications to do this. I disputed the inquiry with the credit bureaus and the hard inquiry was removed but my score remains the same. I want my points to be added back to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although a complaint has been issued previously on XX/XX/XXXX, I have NOT received method of verification documents as requested from Experian. They are reporting that I have late payments on the following account : XXXX  which is inaccurate and they have not provided how they verified this information to be true. In addition, all 3 bureaus are reporting different information which means that the information was NOT properly verified and is not 100 % accurate. 

If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 


Late payments in question : XX/XX/XXXX, XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Called National Credit Adjusters on XX/XX/2020 and was redirected 4 times to find my account. In the end no one wanted to let me know who to contact. Received a voicemail on XX/XX/2020 to contact them back. Called with no answers. Called original creditors XX/XX/2020. Nice lady let me know of original loan number but recommended I call let her know of situation and said to call her back on Tuesday. Yeah I just wan na pay my debt off.
Product: Credit card or prepaid card

I closed my credit card account with TD Bank but companies were able to continue charging my account even after my account had been closed. 
I was also not given any statement and was notified by mail that my account ( that I had closed months prior ) was overdue. Therefore, there was no way for me to know that these charges were continuing to be made to my account. 
With any of my prior credit owned and closed, I have never had a credit card company continue to allow charges on an account that had been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are re corresponding over a problem resolved by CFPB and the Civil Rights Division with the Department of Justice with XXXX XXXX XXXX ( XXXX XXXX ). We wrote to the CFPB more than two and a half years ago. The CFPB staff failed to link the problem to your investigation and Case won against XXXX XXXX XXXX ( XXXX XXXX ). My family and I have been victims of improper credit reporting information which has prevented us from buying a home and has landed us in a motel along with the Case of Lease to Own Fraud the placed us here. Credit is very important when you need to buy a home to live in. I have my wife corresponded and called as I worked. It has been hard when two Accounts my XXXX XXXX   and my XXXX XXXX remained on my credit reports after numerous request to remove the two accounts based on my claims of unemployment back in XX/XX/XXXX thru XX/XX/XXXX, but XXXX XXXX  failed to pay the accounts off. I was told of " Account Protection '' should I become unemployed, death or ill. Sound familiar I was one the millions of consumers XXXX XXXX ( XXXX XXXX  ) was to settle with. Needless to say that did not happen. I am writing to seek removal of these accounts as XXXX XXXX is up to it's old tricks. The accounts have reappeared as XXXX XXXX and XXXX XXXX XXXX. We need to move I have written to your agency about this with no one there connecting the dots. Listen this agency does a awesome amount of good. We must connect the dots to stop XXXX XXXX XXXX ( XXXX XXXX ). My family and I only have our credit which has been ruined by XXXX XXXX  refusing to abide by a Court Ordered Settlement to do what is right. No one should suffer because this company choose to not abide by the Court Order Settlement. See what I have attached and contact this company and STOP this from happening to ANYONE else from suffering as we have. We know that XXXX  is a large company whom changes it's name when damaged is done to the consumer. I am sure I am not the only one. Whom is checking to see that XXXX XXXX  is following through on the Court Order?