23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX or XXXX, 2023, I was doing my " weekly checks '' on my credit cards and saw the erroneous charge against my credit card in the amount of {$4800.00} from XXXX XXXX in XXXX area. 

My card was in my drawer at home. I first called XXXXXXXX XXXX but to no avail. 

I then called my bank, ( one of MANY times ) through the course of my calls, I was put on hold, hung up on, given false names of the people I was talking to, and once I was even given a " made up '' claim number. 

Two days ago I did get to still another person that actually gave me " another '' claim number and told me that someone would be contacting me, but they could NOT send me an email concerning my interaction during this call. 

TWO days later, STILL NO call ( s ) and still NO notation on my online account that this amount was in dispute. 

PLEASE help me! It has been 10 to 11 days since I first reported this to my credit union, and still no respect to their account holder. 

Their motto is " We NEVER forget that it is YOUR money '' - Obviously, in this case, they have!
Product: Credit reporting or other personal consumer reports

Upon review of my consumer report I've noticed that TransUnion is reporting multiple late payments on an account that has never been paid late. TransUnion has a responsibility as a credit reporting agency to maintain maximum accuracy in dissemination of information. I have never been late on payments for account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX. 
Please conduct an investigation and provide proof with account bearing statements showing these payments were late. If sufficient proof can not be provided I demand these payments be updated to paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received an alert stating that my score drops XXXX points because I made a XXXX payment on one of my credit cards ( XXXXy XXXX XXXX ). 

I made contact with Experian in XXXX and advise of this. The gentleman I spoke to started he was going to open a research request to have my concerns address. Gentleman stated that he also sees error as well. 

However, nothing was resolved I never heard back from anyone and the problem occurred again. 

On XX/XX/XXXX, I received an alert stating that my score decreases by 8 more points because one of my installment loans decrease by XXXX dollars.
Product: Consumer Loan

Wells Fargo Dealer Services has violated the FDCPA. 

They are calling my employer phone # and leaving messages for me, this is after I have notified them that my employer does not allow personal calls and I asked them NOT to contact me at work period but they did on XXXX. This is after speaking with me twice on my cell phone while I was driving. 

The have violated the Act by contacting XXXX parties. There was no need to contact a XXXX party. I believe it was for embarrassment. I have spoke with them on the same day and on multiple occasion within the last 2 weeks!!! I am in frequent contact with WFDS and had been at least XXXX times within the last 30 days. I am a long time customer who has not moved or changed phone # during the life of my loan with them ( 4 yrs 9 months ). 

They have called my cell phone XXXX times TODAY ... ..this is harassment and annoying and also using up all my cell phone minutes for unnecessary calls. 
This is after speaking with the local office to set up a payment arrangement. Their tactic is, if you do not pay today, we have to keep calling you ... ..really, I do n't think so. I agreed to set up an acceptable arrangement. However, she wanted an additional {$10.00} to set up a payment, or I could do it on line for free. I came home to do it online and it will not allow me to set up a payment for a future date as she agreed on the phone. 

Really, somebody needs to speak with these people about these serious violations and how they plan to correct them.
Product: Debt collection

I HAVE ASKED REPEATEDLY THAT THEY NOT CONTACT ME VIA PHONE, THEY CONTINUE TO DO SO
Product: Credit reporting or other personal consumer reports

Ive been paying {$2600.00} a month to experien for credit monitoring services however, after XX/XX/2022, I couldnt see my credit score across the three Equifax and XXXX XXXX I was asked to send in my personal information from Equifax. I done this over and over nothing happened they want return my money after all XXXXthey told me and they sent emails to my computer saying they got the personal information and they are working on it?? .its been going on for 9 months and more..
Product: Credit reporting, credit repair services, or other personal consumer reports

Account remarks show the account under the wage-earner plan and the account was included in bankruptcy but no bankruptcy is on my consumer report.
Product: Mortgage

My loan was set up for automatic payments with XXXX mortgage. I did not realize my loan was transferred to a new company in XXXX. I have not received any correspondence or calls from the new servicer and did not realize it was transferred until today. I obtained new loan info from my old servicer and registered with the new servicer, XXXX mortgage. Their website doesnt have a payment option and the automated system for phone payments cant find my loan. I just want to bring everything current.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I filed a dispute with Equifax through their online Dispute Center. I submitted a copy of my Driver 's License, the court ordered Decree of Name Change and a copy of my W2 in support of the dispute. All of these documents were submitted through the Equifax website. As of XX/XX/2022 I had not received any status updates from Equifax regarding this dispute, however when I logged into my account it showed that the dispute had been closed, but my information had not been updated. The Dispute Results file had the following note : " We have reviewed the identification information. The results are : PLEASE SUBMIT A COPY OF YOUR SOCIAL SECURITY CARD, DRIVER 'S LICENSE AND/ OR AN OFFICIAL DOCUMENT TO UPDATE YOUR NAME. '' On XX/XX/2022, I called their customer service line and was told by the representative that they were unable to find the documents I submitted through their system and that I would need to resubmit them, either by fax or mail. I was given this fax number XXXX and told that I could call back at XXXX to confirm receipt of the documents. I faxed the above noted documents to the number provided on XX/XX/2022 and called Equifax to confirm receipt. I was told by the agent that their fax number was no longer operational and that the only way to submit information was via mail. He went on to claim that it is stated on the Equifax website that the information can only be submitted via mail. This was a lie. In fact, they even state in the Dispute Results document that documentation can be provide through their website : " You may provide us additional information or documents ( such as an identity theft report or a letter from the reporting company ) about your dispute to help us resolve it by visiting our website https : //www.equifax.com/personal/disputes. '' I asked to be transferred to a supervisor and explained to him that I had submitted my personal information to Equifax twice already and was not comfortable mailing them physical documents because I had no faith that they would receive them or that my information would be handled securely. I asked for an alternative solution and was told that the only option was to mail my documents to them, which I am not willing to do at this point. 

All of this started because I applied for a small loan with XXXX XXXX XXXX XXXX on XX/XX/2022 and was denied. I was told by XXXX XXXX XXXX XXXX that the reason I was denied was because of the credit score reported by Equifax. They only pull reports from Equifax. My credit history is impeccable and I have a solid credit score, but due to Equifax 's inability to keep accurate records, I now have multiple unwanted adverse actions on my credit history.
Product: Debt collection

i contacted XXXX and told them that this debt was included in chapter XXXX and that they recieved noticed. which the lady said they did and didnt know why they are trying to collect on a debt, that was XXXX in bk XXXX. i gave the my attorney name and phone number. they still reporting this on my credit report ruining it. i told them if they didnt fix it i was filing a complaint and seek action against them.
Product: Debt collection

Debt from XXXX XXXX was added to my credit report as a collection account. The account is showing that I owe a balance of {$1000.00} from Sequium asset solutions llc. I have not had or have any affiliation with this collection company and this balance is incorrect. I dont owe {$1000.00} to either part and all equipment has been returned to XXXX XXXX. The equipment was returned at XXXX store # XXXX XXXX oh XXXX on XX/XX/2019 return reference # XXXX. The serial numbers of the equipment returned is XXXX and XXXX.
Product: Mortgage

Per the escrow disclosure statement I received dated XX/XX/XXXX, my account showed an erroneous escrow shortage of {$4700.00}, which caused my monthly mortgage payments to increase substantially. This error was due to an anticipated obvious overpayment of my property taxes in XX/XX/XXXX. To address this issue, my attorneys mailed the mortgage servicer, Selene, a Qualified Written Request advising it of its error on XX/XX/XXXX. Wanting to avoid defaulting, I paid the erroneously high mortgage payment of {$3100.00} for XX/XX/XXXX. While not admitting its error, Selene 's response to the Qualified Written Request, dated XX/XX/XXXX, stated that {$650.00} of my XX/XX/XXXX payment was applied to principal and the mortgage statement I received for XX/XX/XXXX showed that the amount due had been adjusted to reflect that my regular monthly mortgage payment due was {$2400.00}, not {$3100.00}. I overpaid in XX/XX/XXXX due to Selene 's error, this overpayment was not due to a desire to pay down principal, and I never agreed to have this amount applied to principal. My attorneys contacted Selene by phone and email on XX/XX/XXXX, and sent a follow up email on XX/XX/XXXX, requesting that the {$650.00} that was applied to principal instead be applied to my next mortgage payment. Selene has not responded to this request and I paid the total amount due for XX/XX/XXXX, with no adjustments made for this overpayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit Bureau and I spoke to someone there who's been assigned to me by the name of XXXX and this person never replies to me or assist me continues to argue with me and refuse to take care of everything thinks he knows everything about my credit. 

I informed him that there was an inquiry dated XX/XX/2020 that was done in accident and should be removed and I have the letter from the creditor asking for its removal he absolutely was taunting ignorant and refused to assist me. 

today upon talking to his manager XXXX XXXX asked me to send that letter and information in so that it can be taken care of but I'm still filing this complaint 'cause it still shows on my credit report.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX  XXXX XXXX Balance : {$350.00} XXXX XXXX  XXXX Balance : {$410.00}
Product: Credit reporting or other personal consumer reports

Unrecognizable credit inquiry on report from this company XXXX ( Finance ) XX/XX/2022 Please remove inquiry for credit report.
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX  in the XXXX XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. My information was used to establish these accounts by way of FRAUD! I have filed disputes with all 3 Credit Bureaus and contacted the creditors listed below. 1 ) XXXX XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$27000.00} 2 ) XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$2100.00} 3 ) XXXX XXXX XXXX Account # XXXX Opened on XX/XX/XXXX With a balance of {$1600.00} 4 ) XXXX XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$2500.00} 5 ) XXXX XXXX XXXX  : Account # XXXX Opened on XX/XX/XXXX With a past due balance of {$820.00} 6 ) XXXX XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$18000.00} 7 ) XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$37.00} and a past due balance of {$32.00} 8 ) XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$280.00} 9 ) XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Opened on XX/XX/XXXX With a balance of {$3500.00}
Product: Debt collection

XXXX  XX/XX/2023 : I had called about the debt collection, and I was trying to get resolved by stating to them that I have not open the account They have asked me for the number and address associated with the account I have asked them, can I use another method such Social Security Number like any other debt... 
They have refused and stated that No, I can't.. 
I do have an police report stating that my identity was stolen.
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 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 inaccurate.
Product: Mortgage

I entered a repayment plan with Seterus, inc. regarding my home loan. I made a verbal agreement to allow ACH payments from my checking account beginning in XX/XX/2017. Seterus has made a withdraw one month early, causing my account to be severely overdrawn. The refuse to reverse the ACH. This is going to cause many fees, and most likely disconnection of my utilities. When I entered into the verbal agreement over the phone I specifically stated that I would need until the XX/XX/2017 ; the agent said that would be no problem. 

Any assistance you office can give will be greatly appreciated. 
XXXX Or XXXX ( XXXX ) XXXX
Product: Debt collection

There is a {$620.00} collection on my credit report for  XXXX  and I have never had  XXXX  I have never been inside of a  XXXX  store or had anything from  XXXX  but somehow now they are saying that I owe them {$620.00} and it 's a major hit on my credit report and it is n't me how can someone start an account without verifying my ID and verifying who I am
Product: Consumer Loan

Interest charged is 24.99 %, when Washington XXXX law caps it at 12 %.
Product: Debt collection

I joined XXXX fitness in XXXX/XXXX/XXXX at the XXXX location in New York. I was in the process of moving XXXX when I join the jim, The apartment was completed until XXXX of XXXX. I went back to the jim In the month of XXXX XXXX and paid my fees in person. The next time I went to the jim was in XXXX of XXXX to pay my membership Fees and was told that my account was closed. I was told that in order for me to maintain my membership I had to payoff my old account and then reopen a new account. I did what was requested, I further requested to pay for the entire year. 
During XXXX I ran my credit and discoverd that XXXX fitness through FIRST CREDIT SERVICES. I contacted this company and I was told that I have to paid my pasdue account which is a total {$240.00}. I told the credit company that it is imposible to have XXXX active accounts. I emailed my proof to show that my account was current. XXXX FITNESS CLAIMED THAT I HAVE TO PAY THIS ACCOUNT IN FULL ALTHOUGH I HAVE PAID MY ACCOUNT FOR AN ENTIRE YEAR. THIS IS MY ARGYEMENT 1 : I PAID FOR MY JIM MEMBERSHIP FOR 1 YEAR. 
2 : XXXX FITNESS CONTINUES TO BILL ME FOR THAT ACCOUNT THAT WAS CLOSED. 
XXXX : I XXXX XXXX HAVE XXXX SIGNED CONTRACTS. XXXX IS ACTIVE AND XXXX IS IN COLECTIONS AT THE SAME TIME MY MEMBERSHIP IS PAID IN FULL. 
4 : I MADE SEVERAL ATTEMPTS TO HAVE XXXX FITNESS PREPARE A LETTER FOR ME EXPLAINING THAT THIS WAS A PROBLEM WITH XXXX FITNESS NOT ME As of today First Credit Services is reporting a collection account on my credit. I have never authorized XXXX Fitness to access my Credit Profile. I think this act is illegal and I am requesting a FULL investigation onto this matter. 
I was told by XXXX that this will stay on my credit record for the next 7 years.. I should not be suffering due to XXXX fitness employee mistakes.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent a letter to XXXX XXXX XXXX XXXX XXXX, Equifax LLC ATTN Supervisor Legal Department and XXXX XXXX XXXX XXXX XXXX XXXX  requesting the removal of an alleged account from my consumer report, stemming from identity theft. Despite more than 30 days passing, I have neither received a response nor has XXXX XXXX XXXX XXXXXXXX XXXX  Equifax LLC ATTN Supervisor Legal Department and XXXX XXXX XXXX XXXX XXXX XXXX  complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter mailed on ( Enter Date Mailed ), along with an updated FTC identity theft report.
Product: Credit reporting or other personal consumer reports

I am reaching out to address the inaccuracies and omissions in the credit information that you have reported on my credit profile. It is disappointing to note the lack of sufficient procedures to ensure the utmost accuracy in compliance with credit reporting laws. 

The following information requires immediate investigation, and I insist on being furnished with evidence supporting the alleged items, particularly any contracts, notes, or documents bearing my signature. Failure to provide such evidence warrants the removal of these items from my credit report without delay : I am troubled by the fact that XXXX has already rectified these accounts from their records, indicating an acknowledged error. However, your failure to do the same is concerning. I demand the deletion of these items from my file due to their inaccuracy, error, incompleteness, or inability to be verified. It is unacceptable that you are not adhering to legal requirements, particularly when other credit bureaus have already complied. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Product: Credit reporting or other personal consumer reports

According to the IRS, an unpaid charge-off is considered income, and according to the FCRA, income can not be reported on a credit report. Im requesting a 1099-C ( Cancellation of Debt ) from the following charged-off account listed below : JPMCB XXXX After checking my most current report, the updated information stated the account was discharged and is now considered as income. This account can not be reported as a charge-off on my credit report if the account was discharged due to bankruptcy. Please send the 1099-C form.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

LATE OPEN ACCOUNT : XXXX XXXX Balance : {$0.00}