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

I paid off a loan in XX/XX/2019 # XXXX, Money Lion payment processing generated me a paid in full statement. Months later I'm reported as 30 days late because they had issues with there payment processing. XXXX  and I called Money Lion amd spoke to a representative in XXXX paid this loan in full and was assured they would remove the false 30 day late payment. Now again I took out and paid in total another loan. On my dispute old information has been transferred from XXXX to XXXX ( in my dispute XXXX  # XXXX - There was never a late payment on either loan. Both loans was paid in full before the due dates.
Product: Mortgage

ISSUE : Closing on refinance with rental property prior to increase in fees to homeowners by XXXX XXXX and XXXX XXXX in XX/XX/XXXX. 

Explanation : My name is XXXX XXXX and on XX/XX/XXXX ( over 10 weeks ago ) I applied with AmeriSave to refinance my rental property located at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX in XXXX XXXX. My property is a condominium. My credit score is over 750, my debt to income ratio is great/not a problem, and I have turned over/uploaded all requested documents to Amerisavie without any delay. Despite this, AmeriSave has been misleading me and intentionally dragging-out my closing so that I will be charged or assessed more fees to refinance due to the pending increase of fees that will occur in XX/XX/XXXX by XXXX XXXX and XXXX XXXX. Amerisave loan officer ( XXXX XXXX XXXX and his XXXX XXXX XXXX ) ) alleged supervisor ( XXXX XXXX XXXX have stopped communicating with me regarding my refinance. I sent them an email on XX/XX/XXXX asking about the status of my loan and received no response to date ( XX/XX/XXXX ) from the loan officer or his supervisor. This company also lied to me and said they would lock my interest rate and never did. I checked my portal with amerisave on XX/XX/XXXX at XXXX today and still no update, no closing date, nothing. It just sates there is nothing more I need to do in order to move my loan forward. Amerisave also had me change my mortgagee with my insurance to Amerisave on XX/XX/XXXX and still never closed on my loan. This is outrageous and Amerisave 's behavior has been unprofessional and misleading and that is me being generous.
Product: Prepaid card

American Express gift card being denied for purchases at XXXX. Verified that purchase was for much less than available balance. Verified with XXXX that issue is not at their end and told this frequently occurs with Amex and that the transaction was being denied by Amex.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Yes Im having trouble with the 3 major credit bureaus. you guys are not conducting reasonable investigations on Fraud Accounts. 
XXXX XXXX XXXX  # XXXX Does not belong to me.
Product: Credit card or prepaid card

In XXXX of XXXX I discovered a credit card that was opened in XXXX of XXXX, ( Case #  XXXX ) fraudulently using my information. I reported this as identity theft to the company and opened an investigation. I have also filled out a police report and a Report on the Federal Trade Commission. The company has taking no urgency to resolve this case.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681.

ACCOUNTS : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.


15 U.S.C 1681s-2 ( A ) ( 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 in accurate. 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g
Product: Checking or savings account

On Friday, XXXX, I had approximately {$85.00}, XXXX in my Wells Fargo checking account. Also on that same day, Friday, XXXX, I purchased a {$50000.00} CD from the same checking account, which should have left a balance of approximately {$37.00}, XXXX. 

On Monday, XXXX, Wells Fargo sent me an email stating that I had a balance of NEGATIVE - {$12000.00}! 

I called Wells Fargo at approximately noon XXXX on Monday, XXXX to try to get this issue resolved. I again called Wells Fargo at approximately XXXX XXXX  on the same day, Monday. They said the issue would be resolved at XXXX  the same day. 

Today is Tuesday, XXXX, and I still have a NEGATIVE - {$12000.00} balance and NOTHING has been resolved nor has there been any communication from Wells Fargo. 

All funds and transactions were internal to Wells Fargo and my own personal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Product: Debt collection

I have talked to this debt collector several times. The situation is considered a hardship situation beyond my control. I had to have XXXX while going through a divorce, I am a single Mom of XXXX with full custody and have finally obtained a new job and am on my feet again. It has taken me 18 months to get our lives back in order after their father left us. 

XXXX. Which in turn placed a huge burden with the balance of this medical bill that I was unable to pay. I was a stay at home mother for 7 years and did not have a job. 

I have been trying to negotiate with this company, but they will not provide a written authorization stating the payoff agreement amount. The collections agent said that they would provide a letter stating that this collection will also be removed from my credit AFTER the negotiated balance is paid. The problem is that they wo n't provide the agreed amount OR the debt removal letter in writing. They only offered it verbally via phone call. 

Now they are calling me constantly and have sent payoff offers that are hundreds of dollars more than the offer they extended on the phone. 

Due to the communication inconsistencies, I do not trust this company to take this off of my credit report once they are paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I mailed my credit card balance of XXXX to comenity on XXXX XXXX payment in full. Finally on XX/XX/XXXX my online profile showed my payment updated and that my balance was XXXX. A day or so after I went to delete my profile and noticed a XXXX late fee plus XXXX minimum interest fee being applied. I called customer service who first tried telling me that I had paid on line and that my payment was late but of course I had mailed in a money order. I was placed on hold forever, then the rep comes back and informs me per his supervisor my payment came in late on the XXXX. First it wouldn't have taken that long for the mail to have reached them. Secondly if this business is receiving mail that late in the day show me the envelope with the post mark. Also, my online profile shows where this company indicates a late fee on the XXXX on this acct and the due date isn't until the XXXX. I have my screen prints from my on line XXXX XXXX showing where my payment on the XXXX ( my due date ) was updated reflecting payment received on the XXXX. Also, I have a screenshot showing where this company applied the XXXX late fee on the XXXX prior to my due date of the XXXX.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX {$7000.00} US DEPT ED XXXX {$1700.00} US DEPT ED XXXX {$2100.00} USDOE XXXX XXXX {$4500.00} XXXX XXXX  XXXX {$28000.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX {$2200.00} XXXX XXXX {$890.00} XXXX XXXX  XXXX {$410.00} XXXX XXXX  XXXX {$420.00}
Product: Credit reporting or other personal consumer reports

I have been a victim of a data breach and victim of fraud and identity theft. The accounts listed under or never opened using my consent, or permissible purpose or authority. They were used to using my personal private nancial information without proper permission. These companies never investigated or made contact with me to validate the accuracy of these accounts. XXXX, XXXX, and Trans Union, along with the creditors are in violation of FCRA federal law as I was never contacted to validate the account mentioned, and you may be held liable pursuant to federal law title 15 USC 1681o and title 15, USC 1681n for willful and non willful negligence. Pursuant to FCRA 605B and Title 15 USC 1681c-2 I demand these accounts to be removed within XXXX business days as permitted by federal law I have identified several inaccuracies on my credit report and subsequently reached out to the credit reporting agencies to address this issues. However, the credit reporting agencies have not adhered to federal trade commission ( FTC ) regulations, and have failed to correct these discrepancies. This noncompliance represents a clear infringement on my consumer rights.
Product: Credit reporting

hello I am a XXXX veteran this company ran my report I never gave verbal and or written consent to authorize use and or to run my credit report and this is hurting my credit really bad and need your help removing it. I 've tried to call and talk to these company but never have any luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX CREDIT REPORT HAS INCORRECT ADDRESS INFORMATION. 

THEY HAVE ALLOWED A CHANGE TO MY ADDRESS INFORMATION WITHOUT NOTIFYING ME. 

XXXX AND XXXX BOTH HAVE MY ADDRESS INFORMATION CORRECT. 

EQUIFAX HAS REVERSED MY CURRENT ADDRESS WITH A PREVIOUS ADDRESS. 

CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX IN XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX IN XXXX. 

THEY DO NOT HAVE THESE ADDRESS REPORTING CORRECTLY. THEY ARE REPORTING THE XXXX IN ADDRESS AS PREVIOUS AND THE NEW XXXX ADDRESS AS CURRENT. THIS IS WRONG. 

PLEASE HELP
Product: Debt collection

On XX/XX/XXXXXXXX  I accepted a new credit card at XXXX XXXX XXXX XXXX XXXX FL. I received an electronic statement dated XX/XX/XXXX. I erroneously created a billing which had transposed my credit union and bank routing and account numbers and so my payment was returned on the XXXX of XXXX. I was charged late fees and interest before I realized that the account was not paid in full. The XX/XX/XXXX statement ( now more than double the original charge ) was paid in full on the XXXX of XXXX. The XX/XX/XXXX statement charged a {$2.00} interest on a " balance of {$24.00} ''? this interest calculation was {$0.00} but the minimum charge of {$2.00} was added to the statement. Knowing that I HAD paid the balance in full, I did not open any statements from Comenity.net/Goodsamrewards. It was not until I started getting frequent phone calls from Comenity, and ultimately messages left. I have documented all of these for you in an XXXX spread sheet Their excessive calls are outside of the law, and as before ( XXXX XXXX  ). I have absolutely NO intention of paying this outrageous collection of interest and late fees for a bill paid in full prior to the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 got an alert from experian saying there was a Payday loan in my name. I have never taken out a payday loan before on the XX/XX/2020. I put a fraudulent alert out. And I dont know who this person is but I would like to press charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

These are fraudulent informations in my credit report. I did not open these accounts. 

Fraudulent Charges to XXXX XXXX XXXX Account XXXX or Organization : XXXX XXXX XXXX  Account Number : XXXX Date fraud XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$260.00} Fraudulent Personal or Business Loan Company XXXX XXXX XXXX XXXX XXXX XXXXccount Number : XXXX Date fraud XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$290.00} Fraudulent Rental of Apartment or House Company or Organization : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Date fraud XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$1500.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX Account XXXX XXXX XXXX Date fraud XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$13000.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Date that I discovered XXXX Total fraudulent amount : {$1100.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account name XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this fraudulent account XXXX XXXX XXXX on my XXXX and Transunion credit file affecting my credit even though XXXX has investigated and removed with police a d identity theft report. Can you assist it getting XXXX and Transunion to remove.
Product: Credit reporting or other personal consumer reports

In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX XXXX However, they stated was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Product: Credit reporting or other personal consumer reports

Please remove all the inaccurate fraudulent accounts as l have no know in any of these. 
For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of XXXX XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXXE Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i am so furious i checked my credit report and someone opened 3 auto loans and its reporting on my credit report i didnt authourize this please help me to get these accounts removed
Product: Debt collection

This Company is contacting me both on my personal cell phone and at my current workplace for a business debt from another company. They call both numbers every single day. I've already informed them to stop contacting me and that they are inviolation of the CFPB and FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

List of names addresses and accounts are all in my credit report that isnt me I try calling to Get them remove was told I couldnt remove them bc they are associated with address and account that arent mines! I would like all the names and accounts investigate and removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a to the creditor XXXX XXXX to validate the debt and remove the inaccurate information under my account. The letter is to REMOVE those late payments reflected on my credit report because they were all agreed upon by the creditor. In other words, I called and informed the creditors and asked NOT to pay during those months until I was able to get back on my feet. Once I did I paid all those late payments and up to current, I haven't been late ever since. We have an agreement in writing that my account will be put into their XXXXXXXX XXXX  XXXX on XX/XX/2019 which gave me several months of deferred payments.
Product: Debt collection

On XX/XX/2021 I called capital accounts to see why I have a medical debt collection and they did not give me any validation of debt I also asked them to send me information of the debt and they said they don't have that information. I ask to remove off my credit report immediately.
Product: Debt collection

I have reached out to XXXX a few times to update my credit report and they are still showing open accounts that are paid in full : XXXX XXXX, MIDLAND Credit Management. I do not owe this money and have paid off my accounts in XX/XX/2021. They are still showing open. Under the advise of my attorney, XXXX XXXX, I have sent certified letters and still nothing from XXXX even acknowledging my complaint. NOW, the final step once again is to contact you for another investigation.