23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any 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 XXXXXXXX : {$370.00} XXXX XXXXXXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) XXXX XXXX XXXX XXXX with account # XXXX and a balance of {$860.00}. 
XXXX  Secured loan with account # XXXX and a balance of {$0.00}
Product: Debt collection

I received a letter from Mandarich Law Group, LLC. They are trying to collect on credit card debt dating back to XXXX. They are claiming that the last payment made was on XX/XX/XXXX. They are giving me 14 days to resume making payments or I will be in default. I take that as meaning they will sue me for this debt and for attorney costs. Has the statute of limitations been exceeded or can they legally sue me for this debt. They are claiming that they have 10 years to sue me. I thought that the statute of limitations is 4 years. Please let me know what my rights are. The amount they are claiming that I owe is {$1200.00}.
Product: Credit reporting

wel ive got alot of issues, we, ll start XXXX XXXX all XXXX XXXX. the recenmt over the limit that was reported is a complete lie, they added onterest which put me a few $ over. trhey did this b4 once when my balsanve was so high ( m thats done. just paid threm down in XXXX. but whenmi got a notification, i called custumer service and said a certain credit didnt go thru and their $ 50+ interest put me over. the csr said ( { and assured me that no0thing would be reported til XX/XX/XXXX. i get my dis on XX/XX/XXXX theyre due XX/XX/XXXX. so thryre alwayts earl ; y anmd wazy bedore the XX/XX/XXXX. 
now to the XXXX COAP??? i nquiries all in a month. i just found out thats XXXX XXXX XXXX. ive been getting preapprovalo letters up to {$35000.00} for apxc 2 years. in fact i bought new XXXX with itafter about XXXX monhs im wantyed to refi lower inteest. they approved me ( i have all documentaTIONstill ) then about a week later they call and said my employer filled the form wrong ( XXXX income, XXXX is XXXX main revenue source. my boss was on vaca tiohn fort 3 weelks. letters were coming in saying IF it were approved @ higher inrest rate. off and on back and forth i said forget thrm.. what im figuring now is the kept running my inquiries. THEY BETTER COME OFF ASAP!!!!!!!!!!!!!! I DONT THINK YOURE GOING TO WANT ME XXXX W/ THEM DIRECTLY. 
HELP ON THISW
Product: Credit card or prepaid card

My PenFed credit card was fraudulently charged {$2400.00}, on XX/XX/2022, without my knowledge, while I was visiting XXXX, XXXX. The charge was in the name of a XXXX XXXX XXXX XXXX, a person or organization unknown to me. 
Even though the change was XXXX times greater than I have ever made while visiting XXXX, PenFed security made no attempt to contact me via email, text or phone in order to confirm the transaction. 
On XXXX XXXX, while reviewing my online account prior to paying, I noticed the charge and immediately contacted the PenFed Fraud Department. They canceled the card and initiated an investigation. 
However, after the briefest of investigations, in which they could not even contact the vendor ( Id already attempted with no success ; doesnt apparently exist ), they determined that the transaction was valid in spite of the fact that I did not authorize the charge. 
There are any number of ways that someone could fraudulently use my card, while I used it at a restaurant, etc, none which PenFed even considered. 
Consequently, in spite of their inability to attempt contact with me regarding a highly suspicious transaction ( when the charge still could have been denied ) they demand that I pay for a charge which I did not authorize. 
I have called the Security Department and customer service with no success. I was told only that, since the actual card was used, that it was considered a valid charge and I would have to pay it
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to HWARFIELD for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported identity theft fraud to XXXX XXXX XXXX XXXXXXXX and they refuse to remove the fraud from my name and from the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts nor have I lived at any of these addresses. Additionally, I haven't authorized any of these companies to pull my credit. Please kindly remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent unauthorized inquiry as a result of identity theft is reporting to my personal credit report. On XX/XX/2021 Northwest Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want it to be remove. 

1. Chapter XXXX Bankruptcy Case Number : XXXX 2. XXXX XXXX 3. XXXX XXXXXXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXXXXXX 6. XXXX XXXXXXXX 7. XXXX XXXX 8. XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several errors and mistakes that have been reported on my credit report by your agency. I have obtained a copy of my credit report from your agency and after careful review, I have identified the following discrepancies : -- -- -TransUnion XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX -- -- -XXXX -- -- - XXXX XXXX XXXX XXXX XXXX XXXX -- -- -XXXX -- -- - XXXX XXXX XXXX
Product: Debt collection

I closed my account with XXXX, received permission to return equipment, I have copies of return receipt and that they also received the equipment. I am paid in full to that account and no longer owe, but XXXX has turned it over to a debt collector demanding {$140.00}.
Product: Payday loan, title loan, or personal loan

My identity has been seriously compromised by online identity theft and it has left me with issues u unknown and unauthorized. Prior to my wallet was stolen and reported so this is a recurring issue. The following accounts are the aftermath of the fraud. I am demanding that the credit reporting agencies remove and block these accounts immediately 1. XXXX XXXX XXXX XXXX 2. XX/XX/XXXX {$1000.00}, 3.world finance corporat {$1000.00}, 4.world finance XXXX. 5. World Finance Corporat  XXXX 6.World finance Corporate XXXX. 7. World finance Corporate XXXX. 8. World finance corporate XXXX. 9. World finance corporat XXXX 10.world finance corporat XXXX 11.World finance Corporate {$510.00} XXXX XXXX XXXX {$730.00}
Product: Debt collection

Requested debt validation as I do not recognize these charges or this account from the credit bureaus as well as the company and have received no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I split my mortgage payment into two payments for my XX/XX/2019 mortgage payment and it was not put in the right place. I have called 6 times now starting XX/XX/XXXX when I received a letter that stated I did not make my XXXX payment and now have late fees. The late fees were waived but it wasnt resolved and hit mine and my fiancs credit with a -54 points due to a delinquent account/past 30 days. I was told the gentleman would be coached because of his error and Im left waiting for our credit to be fixed and am told itll take a month. I was originally told 3-5 business days. I wasnt even late let alone delinquent. I am very angry about this and it just seems like they dont care one bit. I disputed it with the credit places too. I want to file a complaint since we are left waiting to do anything with a credit hit that bad I cant get anything at a fair price or on credit.
Product: Checking or savings account

Hello, thank you for your assistance. I am working in California, and I changed my address in Texas ( moved permanent address ), and every debit card transaction I make gives me an error message about my zip code. I contacted XXXX Thursday morning about debit card declines and it worked through Friday, XX/XX/2021 then on Sunday, XX/XX/2021, I spent over XXXX hours on hold after speaking to a customer service rep, the call was disconnected and I called back to speak with XXXX, who shared that my card had not been declined since the XXXX of XXXX and she truly wanted to argue, I had to request to speak to a supervisor three times, I got XXXX who talked over me constantly, was not willing to listen to me report the multiple decline messages for " zip code. '' However, on my end it was declined by Turo Car Rental, XXXX, and has rendered my XXXX account not useable. All because of a zip code error, and now I have been on hold again for over an hour, with argumentative, gas lighting Chase employees, and how does a large institution such as Chase not update a change of address? I was, just now, disconnected again. I have found it impossible to even get ahold of them. When I do I receive substandard service, in 2021 do they not comprehend that people travel for their work? I am also due {$250.00} because of my direct deposits that have funded my checking account that they promised when I opened the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been in an installment loan with Lending Point almost a year. Ive already had issues with them giving out my information to third parties, co-workers among other things. My issues are a signed a forbearance form, considering my area is declared a natural disaster, that my payments be defered until XX/XX/XXXX. Im in the middle of closing a home equity line of credit to pay Lending Point off. As of today, a 30 day deragatory remark is on all three of my credit bureaus which in essence has stopped my process with my home equity line of credit in regard to paying them off and also was completely deceptive in telling me what forbearance was given to me in the first place for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute and removed XXXX XXXX XXXX XXXX XXXX this has been on my report for 7 years & 2 mo I asked that it be removed immediately it shows that this account has been paid.
Product: Debt collection

This was not mine, when I called they did not even have my date of birth attached to this account. They advised me to come here to fill out this paperwork. Representative that I called today ( XX/XX/2022 ) said that she didn't show this debt was attached to my date of birth and to dispute and send paper work to them.
Product: Credit reporting or other personal consumer reports

payments on schedule and never missed a XXXX, so this situation is causing XXXX  distress. XXXX  struggling with the inaccuracy  on XXXX XXXX, which is affecting XXXX  XXXX. I urgently request that XXXX  correct the late XXXX  error and update XXXX XXXX as soon as possible.
Product: Credit reporting or other personal consumer reports

I've been having the worst experience with Transunion and XXXX regarding their lack of properly investigating inaccurate information on my credit reports. The same accounts that I disputed with XXXX came back as unverifiable and the accounts were deleted from my report. I don't understand why the same accounts came back as verified with Transunion and XXXX. This further proves that they did not investigate like they should have. See attached documents.
Product: Vehicle loan or lease

Santander Consumer USA XXXX XXXX XXXX, XXXX XXXX TX XXXX is STILL inaccurately reporting account information on my credit report. 
Under 15 USC 1681 ( a ) ( i ) I have the right to have erroneous, inaccurate information deleted from my credit report! 

On my XXXX report dated XX/XX/23 Santander has the account as charged off. 
Then they should not be reporting an open balance. As you can see from my paperwork presented to you there is an open balance of {$8000.00}! 

SECONDLY, THEY HAVE A CHARGE OFF AMOUNT LISTED AS {$8900.00}. THIS IS DIFFERENT THAN THEIR OWN BALANCE AMOUNT OF {$8000.00}! 

This account needs to be deleted from my credit report! 
I have contacted them several times. But no results have come from these communications!
Product: Credit card or prepaid card

On XX/XX/XXXX we made a purchase using the American Express Serve card in the amount of {$300.00}. On XX/XX/XXXX we returned the item. We were told we would see the funds on the XXXX of XXXX XXXX later. This morning XX/XX/XXXX we werent able to check into the account. After about an hour we were able to log in. When we did we noticed XXXX returns had been completed, no funds available and XXXX additional return holds placed on the account. We called customer service to figure out what was going on. Not only did the return date change to the XXXX and the XXXX but that we were charged an additional charge from American Express. They tried to say it came from the original company but it didnt. Amex checked the account and verified there wasnt a new transaction yet they still said we were charged twice and are going to issue XXXX refunds totaling {$610.00}. I told the rep that we should only be receiving a return for XXXX. And to give us anything more is fraudulent. We also asked them why it reflects that its clear but theres no funds they wouldnt answer. We asked for a number to file a complaint to and they wouldnt give us one. Told us they didnt have one and we cant file a complaint. So we went to the XXXX XXXX XXXX. We have not received our funds and have been given the run around all day!
Product: Mortgage

1. Payments made to NationStar in excess of the monthly mortgage amount have incorrectly gone toward interest, rather than 'principal only '. This occurred in XXXX and XXXX, XXXX. I was assured each time that amounts above the monthly payment would be applied to principal. These had later been reversed until XXXX, XXXX. I advised NationStar, in advance, of a large, principal only paydown ( set for XXXX/XXXX/XXXX ). This was incorrectly applied on XXXX/XXXX/XXXX. The reversal was not applied until XXXX/XXXX/XXXX. 
2. I desire an independent audit of the loan history since the XXXX transfer from XXXX XXXX XXXX to ensure that the current balance due is correct. My intent is to verify the payoff balance and transfer the balance to another lender via a HELOC.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose
Product: Credit card

I fell behind in making my credit card payments and it went 120 days past due, and I completely paid off the balance in XX/XX/2024. My account shows its restricted and when I called them on XX/XX/2024 at XXXXXXXX XXXX the first representative I spoke to was very uninformed and kept going back and forth as to why the account was restricted and continued to give different reasons and then stated after running me around in circles for over 10 minutes that the account couldn't be reopened and when asked about why my account would remain open in this situation with no balance due and the inability to use the account, he stated that it is their policy not to close the account and that if the customer wanted the account closed then they would need to request for it to be closed and couldn't explain the logic or reason as to how that would even make sense. I requested a supervisor and was transferred to a female, I did not catch her name, and when I posed the same questions to her, she tried to give me the run around stating that it was possible the account could be reopened if an offer was sent that was randomly sent to the consumer and when I questioned her about how that made any sense that an offer could be sent the consumer to reopen a closed account was not even a rational thought then her story changed and when pressed on the fact that Capital One keeps a customer account " restricted '' with a XXXX balance and the fact that it doesn't benefit the customer, does it, she stated she didn't know because they are not credit counselors. I asked why then would they keep the account like this if it was a permanent lock and inability to use the account, does this help my credit, does it help Capital One? Again she couldn't give a logical or rational explanation as to why Capital One uses these bizarre and irrational business practices, what I want to know is why. Is this helping or harming to my credit and why do I as the consumer have to request the account to be closed if there is no financial benefit for me ....
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent 2 certificates letters ( XXXX and XXXX ) regarding US BANKRUPTCY XXXX AND XXXX listed on my credit reports by them. The Trans union credit bureau needs to provide me with copies all documentation associated with these public 's records accounts bearing either a court order to place this information in my credit report. They passed 30 days I never get replying by them. On XX/XX/2019 I sent another certificate letter ( XXXX ) tell them that they have violated federal law and also fail to provide me in 30 days a copy of any viable evidence, bearing my signature showing those accounts is bearing reported accurately. In this occasion they sent a letter file number XXXX asking for a proof of current mailing address. That answer is totally unacceptable!! They are clearly dilated in giving me the proofs of the veracity of those accounts. Clearly Trans union XXXX XXXX is violating the FAIR CREDIT REPORTING AGENCY PRIVACY LAW ( attached documents to support my complain )
Product: Checking or savings account

an account was open in my name allegedly and bank of america said there were suspicious transactions going on with the account. When I asked them the amount owed they said XXXX dollars. Not sure why they reported me to XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I made a payment on the credit card in order to make computer purchases for an employer. The credit card company made me go over the limit by $ XXXX. Then would not give me an explanation on why the payment was reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts should not be reporting on my credit file, at this point these accounts are fraudulent and therefore I'm demanding that they be removed. 

1. Acct XXXX XXXX {$110.00} 2. Acct XXXX XXXX  {$70.00} 3. XXXX XXXX  Account 4. XXXX XXXX Account
Product: Credit card or prepaid card

I have several credit cards and one loan open in my name without my knowledge, I also filed and police report with the XXXX XXXX police department.
Product: Vehicle loan or lease

On XX/XX/2018 I went to a Toyota dealer to purchase a used car with a low APR. The entire negotiations over price included me requesting a low APR. The dealer and I agreed on a price and before the dealer would allow me to read the contract I was required to pay {$4000.00} deposit. I used my credit card, and the {$4000.00} was charged, then the time was spent switching the plates and registration from my old vehicle and then securing insurance. Finally after hours of negotiating, paying, transferring plates, etc. the dealer finally printed out the Retail Installment contract. I did note that the interest rate was 7.14 % instead of a low APR and I immediately protested. The dealers said that my credit was not worthy enough for the lower APR and that it was too late, I had already paid the {$4000.00} and there was nothing that I could do. There is no reason that I should not have qualified for the advertised lower APR. I should have been told the interest rate was going to be 7.14 % before they took {$4000.00} from me. I felt scammed and angry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking my report today and I noticed some inquiries on my report that Im not aware of as you know reporting anything inaccurate on my report is against the FCRA and it needs to be eliminated immediately. I dont mean to be so upfront but Im trying to better my life. 

Inquires : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax
Product: Debt collection

To be completely honest with you I don't know who they are and how much I owe them I just know that I just want them off of my credit as quickly as humanly possible
Product: Checking or savings account

I have been charged so many fees by Wells Fargo over the last few years its unbelievable
Product: Credit reporting

I 've tried to dispute with credit reporting bureau ( Experian ) on line, there system stops me from logging in. Their online systems wants consumers to apply for {$1.00} free trial, I have an existing account and report number to log into my account. 

the following creditors do not have my account : XXXX XXXX and XXXX XXXX XXXX do not have my account, I have called both companies and they have stated they do n't have my account. these accounts need to be removed. 
XXXX XXXX XXXX that has XXXX account is using fraudulent open dates to keep my account/debt open. I have never opened an account after XXXX. Last date shown being opened is XXXX, I have not reopened or opened an account with XXXX. after 7 years this account should have been removed. In XXXX this account for XXXX should have been removed. Due to XXXX fraudulent tactics this " BAD '' DEBT has appeared on my credit report for over 4 years which resulted in me not obtaining credit, credit cards, automobile loans, housing, employment, and high interest on perscpective loans.