23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Name : XXXX XXXX XXXX ID XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX  XXXX XXXX KY XXXX Chex Systems , Inc . 
Attn : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX a m writing to request an investigation of the following information that appears on my Chex System consumer report which is fraudulent. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Items listed above, have violated my rights. 15 U.S.C 1681 section 602 A. States Ihave the right to privacy. 15 U.S.C 1681 Section 604 ASection 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of thefollowing items of information Any other adverse item ofinformation, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( AN ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Ihave NEVER opened or used the following account numbers, please remove all information below : XXXX XXXX XXXX  Account # XXXX Routing # XXXX XXXX XXXX XXXX Account # Unknown Routing # Unknown XXXX XXXX XXXX ; XXXX XXXX XXXX, Reported For : OVERDRAFTS ; Reported Name : XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX XXXX, KY XXXX Reported SSN/ID : XXXX Date of Closure : XX/XX/XXXX RT/ACCT # XXXX / XXXX Original Charge Of Amount : {$120.00} Closure Status : UNPAID don't recognize the following accounts in question. I'm a victim of identity theft and Ido n't recognize these accounts on my report. I'm requesting the following information be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For over two years no one including myself has been able to pull my credit report from Experian. Two years ago I submitted all the documentation that they requested to prove my identity and my address. Still no one including myself call pull my credit report from Experian. This has prevented me from obtaining credit and most importantly from refinancing my home. I have called them almost daily for the past two weeks. I have been told that I will receive calls from an escalated ticket. No one has called. I finally received an email on Sunday XX/XX/2021 basically saying that the ticket was closed, pay for an account with Experian to get further assistance. So I called today and was told that I needed an account with Experian. Then I was told that I had to call back in 72 hours to receive an assistance. I have spent more than 15 hours on the telephone trying to get Experian to fix a problem that they have created. It has to be a problem with Experian because I can pull my credit report just fine from XXXX  and XXXX. I feel as though I am being held XXXX.
Product: Consumer Loan

after months of trying to work with USAA to straighten out the loan. mostly due to their fault by not taken the money, they repossed my car on XX/XX/2016. after which I called and asked to stop payment..they told me NO.. then XX/XX/XXXX they sold the car at auction..I have yet to hear of outcome.. XXXX XXXX 2016 the proceded to take a payment from my bank account and causing me to " bounce '' a payment..and then charging me a XXXX dollar overdraft fee..and now they want me to pay them XXXX dollars..i have called and after being transfered several times they hang up on me..I belive that USAA is a no good company..thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX also known as XXXX XXXX is reporting inaccurate billing information. Im not 30 days late and they havent updated any of my payments since XXXX. They reported 30-60 days late and affected my credit score terribly.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX at approximately XXXXXXXX XXXX XXXX, I received an email notification about changes to my account and a text about alerts for my new digital checking account. However I had not logged onto Experian recently and had not made changes to my account or signed up for a new checking account. I tried to log in to see the issues but the site stated that my username/password were incorrect. After trying multiple contact numbers, I finally reached a representative to fix the issue. They collected my verification info and pin, but when they instructed me through the password reset process I neither received the automated emails or texts to verify my account. They could not take any other action on XX/XX/XXXX and said that theyd elevate my issue. I received an email today to mail in copies of several identifying-documents, but that means that until the documents are received and physically reviewed, someone still has access to my Experian account with no resolution from experian. I also called their XXXX XXXX customer service number and they confirmed that someone had opened an account in my name- they closed the account but had no answer as to how an account was opened despite my credit being frozen, nor how I could prevent this from happening again. Overall Im still actively a victim of identity fraud, and I have no faith in experians ability to prevent such unauthorized access in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry fromXX/XX/XXXX + Finance XXXX XXXX Inquiry fromXX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry fromXX/XX/XXXX+ Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry fromXX/XX/XXXX+ Finance XXXX Inquiry from XX/XX/XXXX + Misc.

XXXX Inquiry from XX/XX/XXXX + Misc.

XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX+ Finance XXXX XXXX Inquiry from XX/XX/XXXX+ Finance XXXX XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX/XXXX Inquiry fromXX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry fromXX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry fromXX/XX/XXXX + Bank XXXX Inquiry fromXX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX  Inquiry fromXX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry fromXX/XX/XXXX+ Bank XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX+ Finance XXXX  Inquiry from XX/XX/XXXX+ Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry fromXX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX+ Finance XXXX Inquiry fromXX/XX/XXXX+ Finance XXXX Inquiry fromXX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX+ Finance
Product: Credit reporting or other personal consumer reports

US Department of Education slong with Experian And XXXX is reporting inaccurate information onstudent loans as payment late during the COVID FORBEARANCE PAUSEon my credit report for the years of XXXX, XXXX, and XXXX. Deliberately ruining my credit.Student loan moratorium has suspended monthly payments and interest for most federal student loan borrowers since XX/XX/XXXX. Former President Trump initially enacted the relief on a short-term basis in response to the Covid-19 national emergency. I had requested an appeal in XX/XX/XXXX which was never processed due to Covid-19 Federal Student Loan Moratorium and pause
Product: Debt collection

My name is XXXX XXXX. I received a BLOCKED call from a XXXX XXXX on my cell phone on XX/XX/XXXX @ XXXX and i still have the saved recording. On the message, He stated that there was a Legal Case ( XXXX ) against XXXX XXXX and i was listed as an associate to the address XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. I called the number that was left to call, XXXX. When i called, i blocked my cell number just as they did, but they would not disclose what company they were and what company they collecting for. The last cal to them, i was advised that they had spoken with XXXX XXXX and it was taking care of and they couldn't discuss her case without her approval. I hung up and called my daughter and she said they had called with the same LEGAL threat. My daughter took out the ONLINE PAYDAY LOAN with MONEYKEY in XXXX. I called them and apparently they are unaware that they can be held responsible for the actions of the their THIRD PARTY DEBT COLLECTOR for consumers.
Product: Credit card or prepaid card

I was supposed to receive a credit balance refund check from chase after my credit card is closed. the check was supposed to sent out in XX/XX/2020, but i never recevied. After talking to Chase over the phone for 2 months for the check, they finally mailed me a cancelled check that was cashed by someone else on XX/XX/2020. after receiving the cancelled cash from Chase, I noted to Chase that the refund check was not received by me and asked for a new check. 

Now Chase forced me to sign the " Declaration of unauthorized endorsement or altered item '' form even though it was clear from the canceled check that the refund check was not signed by me and i did not do anything wrong ( never received the check, called them multiple times on this issue and pointed out to them that the cancelled check, which they have, noted that it was signed by someone else ). 

It might be within Chase policy, but this is a perfect example where " big banks '' post undue burden on a regular consumer to deflect their mistakes and hope that a regular consumer, like myself, would not follow up, so they can get away from their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE ATTACHMENTS I PROVIDED
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have two mortgage on my home. This is a email message that I got on XX/XX/XXXX. : " IT APPEARS THAT XXXX XXXX XXXX XXXX, FILED THE CLIENTS CURRENT MORTGAGE TWICE IN ERROR. BOTH LIENS ARE THE SAME EXACT AMOUNT AND FILED THE SAME DAY DOC NO. XXXX & DOC NO. XXXX '' I called my current mortgage company, Flagstar, and ask them to please take care of it. They told me that they do not take care of problems like this. So I called the to other mortgage companies that had my mortgage and they said I had to contact my current mortgage company. After a few weeks of working to found who is responsible, it was Flagstar. With the help of XXXX XXXX of XXXX XXXX, XXXX. I filled out a request to have one of the loans removed. Flagstar asked us to wait for two weeks to get the release. XXXX called Flagstar to fine out why they haven't sent the paperwork yet after two weeks and Flagstar told her they needed one of  they forms fill out before they could do anything! ( XX/XX/XXXX ) I was told I would get the release on the XXXX, XXXX or XXXX of XX/XX/XXXX.I call in each and every day to get the paperwork set to me. On the XXXX I was told that it had to go to XXXX XXXX   for it to be release. I ask for a supervisor so I could hopefully get some one to help me with getting the paperwork that I needed. They sent me to XXXX XXXX. He told me that he would look into it and have my paperwork by XX/XX/XXXX or he would give me a call. He didn't give me a call and I had no paperwork stating that one of the loans were closed. I called in on XX/XX/XXXX and XX/XX/XXXX for the paperwork. Now they are telling me that it is in the legal department and will stay there until they are done with it. For some reason they have alienated in helping me with this and I fill like Flagstar is discriminating against for only reasons they know. I need help in getting Flagstar to do their due diligence for their only client. Right now they are costing me money in time, interest and stress.
Product: Mortgage

My home mortgage and the escrow account is with wells fargo. They paid the property tax with an incorrect XXXX Number for my property in the year XXXX. When the tax collection letter was received for non payment of taxes, they paid the second payment correctly and charged my escrow account twice making it as negative balance. I have been contacting them from seven months for the correction of my escrow account and they say that they can not correct it until they receive the reimbursement from county tax dept. When I contacted the county tax dept, the funds were reimbursed to wells fargo on XXXX/XXXX/XXXX. Wells fargo seems to not have been putting any efforts on locating the refund and applying the deposit to my escrow despite of their mistake. Now I want to refinance my loan with a different lender and requested for a payoff statement. Wells fargo is sending the payoff statement with incorrect amount ( including the property tax they paid the second time due to their mistake XXXX to my new lender. Even after several calls to them from me and escalating the issue to their president office resolution department, and having the tax collector involved and talk to them, they are not providing the correct pay off statement. They just say they are waiting for information from county tax collector and I have to pay the incorrect pay off amount with increased dollars if I want to close the loan with them. This seems to be like a fraud to hold the customer long enough to gain interest fee from them and/or not to allow them refinance with other lenders Despite it is their mistake, they are trying to collect the money from me and committing a fraud. They say that they ca n't adjust my escrow account until they determine that the funds are received which is irrelevant to me. I have been paying my bills on time and when I need a pay off, they should send it with the correct amount and they are not willing to provide it. They behave as if they do n't worry and ask me to pay the extra amount and get the reimbursement from the bank when they resolve this issue in future without any definite time. Please help me with escalating this fraud being done by wells fargo and save several other customers who are suffering from similar issues from this bank. 
Finally this appears to be like a fraud to hold the customer long enough to gain interest fee from them and/or not to allow them refinance with other lenders
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 a hard inquiry appeared on my XXXX credit report in the name of XXXX. I called XXXX. They bounced me from agent to agent and then finally told me to call the phone number associated with XXXX  showing on my credit report. I called the number and the system demanded my account number or social security number just to speak with someone. There was no option to report fraud or any option to speak with a human w/o entering my social security number. I finally got through to an agent who simply told me I had no account and that I needed to contact XXXX to have the hard inquiry removed. Below is the contact information that appeared on my credit report. 
Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a single mom with XXXX kids who suffered extreme XXXX  and XXXX  XXXX by my ex husband who fraudulently stole everything we had, opened credit cards under my SS # and caused us to be evicted and homeless for years. Due to my ex husband actions I received multiple calls from collections that were not mine and struggled to survive. I was able to settle with XXXX after I told them what has happened and that I am not responsible on these accounts but they kept threatening me to take me to court if I won't pay. XXXX never explained me my rights if any, even after explaining that I am a victim of Identity theft. They said that I am responsible since it's my SS and promised me to decrease the amount and delete the information from my credit report. After months of payments, I finished and called them however, they refused to delete the 3 accounts. I contacted the credit companies with regards to 3 XXXX accounts that were promised to be deleted, provided them with my eviction letter, a police report about my ex husband stealing all we had and explaining them that these 3 accounts are not mine. I disputed for over a year every month through their online dispute, called and disputed by phone, and mailed supporting documents. They just don't care. I am struggling during the pandemic with XXXX kids and these fraudulent items hurt my life severely. Please help me remove these three accounts from my credit repots.
Product: Debt collection

Portfolio Recovery LLC have been calling me twice a day tying to collect on a department credit card account that has been closed for over 15 years. I have told them that I don't owe them any money and that they need to stop calling me. I have also written to them and stated the same. They are still calling.
Product: Vehicle loan or lease

I purchased a used car in 2015 and received a 24 % interest rate due to my low credit score. Now my credit score has increased about 100 points and the loan company will not work with me to lower my interest rate. They suggested I refinance with another company because they do n't do refinances. Well, other companies wo n't refinance me due to how much I 'm upside down on the car due to the high interest rate. With this current interest rate I 've not made any progress towards the balance. I have had some payment deferrals and understand those effect my balance too, but if I had a reasonable interest rate I could make more progress and get this car paid off. They refuse to help!
Product: Debt collection

They called me at XXXX and often harass me with multiple calls a day, typically while im at work.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report back to XX/XX/2024, and notice some things are incomplete and inaccurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. These accounts [ XXXX XXXX ] also [ XXXX XXXX ] is not accurate. Inaccuracies for [ XXXX XXXX ] also [ XXXX XXXX ] includes open dates, last payment date and days late.
Product: Credit card

I signed up for my " XXXX '' American Express card willingly XX/XX/XXXX. I received a letter saying that XX/XX/XXXX my card will be closed, due to no fault of my own. As a consumer, my XXXX credit score will be negatively affected not due to any fault of my own. I have a XXXX available credit limit now, I use the card responsibly, and am going to be adversely impacted due to American Express and XXXX ending relationship. I spoke with Amex and the only resolve they offered was to sell me a new card ( furthermore giving me the negative credit history for opening up a new account. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I recently contacted them to removal my hard inquires. They FAILED to provide proof these records are factual. I contacted each company they said that it was removed however the credit bureaus aren't removing them. I also have proof they requested it too be removed. I am a victim of fraud and I put a freeze on my account. Some of the inquires are wrong social security and some are over two years old. They don't want to help me because they PROFIT off bad credit and refuse to help me they keep sending me FACTUAL reports. For example XXXX pulled my credit four times and even XXXX said XXXX XXXX did not respond so it's not my account all credit inquires should of been removed. This was in XXXX they still haven't removed all of my hard inquires and I sent them all th information
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be  removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Experian, XXXX and XXXX to give me a validation on how they investigated the items that they continued to leave on my credit report as collections and charge offs. Yet they were not able to provide me with the steps they used.. I have asked them to please remove those items on my report. The have continued to still report those items that are detrimental to my profile