23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I nave recenty found on my credit report the presence C several inquires as entries separate from their corresponding accounts. These inquires duplicate inaccurately the information in my file. The inquiry entries should be deleted or at least merged into the accounts to which they belong Under the provisions of the Fair Credit Reporting Act 15 USC Section 1681i, please reinvestigate and delete these disputed items, and send me the names and addresses of persons contacted. Under 15 USC Section 1681i ( 5 ) ( A ), you are allowed thirty days from receipt of The purpose of this credit repair letter to complete these actions, unless you immediately notify me otherwise. Please understand that failure to re-verify these items within this time constitutes non-verification, and the items must be promptly deleted as per Section 1681i ( a ).

Also, according to 15 USC Section 1681i ( D ) of the Fair Credit Reporting Act, please notify me when the items have been deleted, and send an updated copy of my credit iport to the address below.

There should be no charge for notification of changes on my credit report, pursuant to 15 USC section 1681j, of the Fair Credit Reporting Act.

I appreciate your assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we filed a Chapter XXXX Bankruptcy to get rid of outstanding debt in attempts to save our home. Our case was discharged on XX/XX/XXXX. Our home was mortgaged withXX/XX/XXXX at the time. Ive attached some supporting documents and you should find on page 3 of them a page from our bankruptcy case confirming that we filed to retain the residence and reaffirm the debt with XX/XX/XXXX continuing our payments to them through this whole process. Our bankruptcy lawyer recommend that after the case was discharged that we should attempt to get a mortgage modification. 

After the discharge on XX/XX/XXXX we took a moment and then contacted XXXX and started the process to secure a modified loan with XXXX  XXXX XXXX XXXX which took effect XX/XX/XXXX. In XX/XX/XXXX XXXX  XXXX XXXX sold our loan to XXXX. 

We didnt think to check our credit, being told that bankruptcy would take its obvious toll on it. Imagine our surprise when we decided to finally try to build it back up in XXXX and lease a car only to find out it was worse than we thought with one of the reasons being because our mortgage wasnt being reported. When we called XXXX they stated that it is XXXX XXXX XXXX 's fault and threw our bankruptcy back in our face. XXXX  XXXX XXXX wouldn't even talk to us because they no longer held the loan. The one thing they both said was that some paperwork wasnt filed correctly and tried to lay blame on the lawyer. I tried to call our lawyer, only to find out that hes moved out of state and is no longer practicing. I only have our filing documents which clearly show that retain property and reaffirm the debt are marked off. I have no idea if a certain document was supposed to be filed along with it. Just to be clear I asked XXXX who they have been receiving payments from for our address and they confirmed that it was us and I followed with the obvious question, then why arent you giving us credit for said payments and they claimed they can't because of the bankruptcy. Their remedy was to refinance. Sure, what kind of rate are you going to give us when we cant improve our credit score because you wont give us credit for our payments?! 

Eventually XXXX became XXXX XXXX and the real estate market has improved and we are no longer upside down in the mortgage and XXXX XXXX continually pesters us to refinance. We thought now is the time and tried to take them up on it only to find out they are still holding the bankruptcy over our head while encouraging refinance ( see attached document from XXXX XXXX ) and we are 8+ years post bankruptcy. To this date we have not been given credit for our post bankruptcy mortgage payments. Thats 8+ years of payments XXXX  XXXX XXXX and XXXX/XXXX. XXXX have failed to report. This house really exist! Weve lived in it, raised a family in it and maintained it for 22+ years. We pay property taxes for it! The mortgage companies accept our money for it! Give us credit for it..fair and simple.
Product: Credit card

I placed an order on XXXX XX/XX/2023 in the amount of {$2600.00}, but I never received it. I contacted the merchant and I was unable to get this issue resolved. I waited 30 days as the credit card company requires, before filing a dispute claim. The claim was denied. When I asked Chase for the reason, I was told that the items were delivered and signed for. I was not even home on the date the items were delivered. I did not receive or sign for anything. I requested proof of signature and delivery documentation from the credit card company, but nothing was given to me. I also submitted my signature for comparison to prove that it was not I who signed for any package. Chase customer service said that the claim could not be re-opened and Chase has ultimately refused to help me with this matter.
Product: Money transfer, virtual currency, or money service

Wells Fargo called me ( the caller ID said Wells Fargo ) the person on the phone gave me an identification number that they said was their Wells Fargo identification number. They told me that there was fraudulent activity from XXXX. They asked me if I had received any text messages from XXXX and when I said no, they told me that someone had cloned my phone and I needed to log into XXXX and enter Codes that would cancel the fraudulent transactions. I asked them what transactions and they told me there was a {$990.00} amount and a {$1200.00} amount. they had me enter a series of codes and that they said were cancellation codes. And to hit send. after I pressed send I saw that the codes I entered turned into dollar amounts and that they were actually withdrawing money from my account. I asked the person on the phone what this meant and why was the money being deducted from my checking and they said its not being deducted we are sending cancellation codes that will prevent the money from being deducted. I said this feels wrong and I dont understand why the codes you gave me turned into dollar amounts. The man then told me that this is how they escalate fraudulent activity to the supervisors. I said I dont believe that this is correct and I disconnected the call. I immediately called back Wells Fargo to discover that I was not speaking to Wells Fargo in the first place, and they opened a claim and at this point, the money has been taken out of my account. I have screenshots of the peoples names they told me were the supervisors, and I have screenshots of what how the codes turned into numbers. They told me that this is a scam that theyre familiar with and that Wells Fargo would never ask ask customers to do transactions over the phone and that it would take 10 business days for them to remedy this, but theyre not even going to guarantee that they can get my money back even though they recognize that this is a scam that has been happening to other clients
Product: Credit card or prepaid card

In XX/XX/XXXX, I discovered XXXX has been charging my credit card two times a month for a monthly XXXX subscription ( instead of paying one $ XXXX/charge, I've been paying two $ XXXX/charges ). I did not realize this was happening for a long time, as the charges occur just one day apart- on the XXXX AND XXXX of each month. 

Upon realizing this, I called XXXX thinking it would be a simple solution and that they would refund me for the duplicate, secondary charge which I did not receive secondary CarePass benefits for. However, they do not show two charges or two accounts, so wouldnt do anything to stop the duplicate charge. Their records only show that they are charging me once/month instead of twice/month - therefore, they say they can't do anything to stop the second charge. Guess what? I can't either, because XXXX won't stop the charge and Barclays also will not help me stop the charge. 

After multiple frustrating phone calls with XXXX customer service, I went to my credit card company, Barclays. They told me to work with the merchant, but as mentioned the customer service team at XXXX is not able to accommodate. 

At the beginning of XX/XX/XXXX, I cancelled my XXXX XXXX account all together in hopes of stopping the duplicate charges. On XX/XX/XXXX and XXXX, I was once again charged two {$5.00} XXXX fees- even after cancelling the service. 

On XX/XX/XXXX, I once again called XXXX to try to get to the bottom of this once and for all. For 40 minutes, I was told that they dont show a XXXX account associated with my credit card. Upon threatening a class action law suit, my account was miraculously found. Only one account was found, however, and the second charge remains a mystery to them.

I dont know why the one account was found and still showing as active, as like I said above, I cancelled the account at the beginning of XXXX ( and can provide the email confirmation ). 

Ive been told that one account has been cancelled and a ticket has been submitted to determine the other account. 

While it would be great to be refunded for the second, duplicate {$5.00} charge Ive been receiving for XXXX years, I would settle at this point for XXXX  to just stop charging my credit card each month so I can stop dealing with this headache with XXXX  and Barclays. 

Since XXXX and Barclays both will not help me resolve this issue, I was forced to close my Barclays credit card which I have had for 12 years and my credit will ultimately suffer because of this. 

I've called Barclays, sent letters, asked to speak to someone outside of a call center, submitted forms online, etc. Only some of the fraudulent charges have been refunded and each month I deal with this because they won't stop XXXX from charging my card. 

I should not have to cancel my credit card because a merchant is wrongly charging my card. Shame on Barclays.
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 XXXXXXXX Account Number : XXXX Account Name : XXXX FI Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and 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

There are accounts listed on my credit report that do not belong to me. Please remove them.
Product: Debt collection

BSI Financial Services is reporting an unpaid mortgage balance that is not owed. Attached I have provided evidence that the unpaid balance that is being claimed by BSI Mortgage has been resolved two years ago. 

Please see the attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Want LexisNexis renders proof of my signature on a document, stating I gave them permission to sell my Bankruptcy information on to XXXX XXXX and XXXX XXXX Credit Bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, account number XXXX. XXXX XXXX {$1900.00} Closed Unverified. 
XXXX, XXXX  Account number XXXX. XXXX XXXX {$4400.00} Closed Unverified. XXXX XXXX, Account number XXXX {$430.00} Closed Unverified.XXXX XXXXXXXX Account number XXXX {$370.00} Unverified U.S. Dept of Education Account number XXXX {$1700.00} Never attended that XXXXXXXX Unverified XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Unverified XXXX XXXX XXXX  Unverified XXXX XXXX XXXX Unverified In accordance with the fair credit Reporting act XXXXAccount # 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 cunsumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Lending Club, XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX : Lending Club pulled a credit report without my consent and without giving them any information other than clicking on the website and using their rate calculator. I did not request a quote. I did not give them my social security number. I don't even have anything I need a loan for. In fact, I was just trying to see how much monthly payments would be for a friend who needed a loan. Sense I was not looking for myself I obviously did not request a loan. 
( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. ( phone number not available ) XXXX XXXX : XXXX XXXX illegally purchased my information and pulled a credit report without my permission. 
( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, CA XXXX phone : XXXX XXXX  XXXX : XXXX  XXXX pulled a credit report after illegally purchasing my information. I never clicked on their website. 
( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) XXXX XXXX  : XXXX pulled a credit report. I never clicked on their website. I used to have a XXXX credit card that I opened when I was an employee for XXXX back in XXXX. The credit inquiry was pulled on XXXX ( C/O XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX : XXXX XXXX Pulled a credit report after illegally purchasing my information. I don't even know who they are. 




XXXX XXXX XXXX : I did not request anything from this company. 
( XXXX  XXXX  XXXX, XXXX, AL XXXX phone : XXXX I never gave any of these companies my social security number, I never signed a form giving them permission to pull a credit search, I never requested a quote, nor did purchased anything from them. I don't even know who these lending companies are. All I did was click on ONE and they hack into my computer, stole my information and sold it to other lenders. I had to put a freeze on my credit because of this. These practices are deceptive and hurt your credit score. I would like justice please. I contacted Lending Club and they said they don't know who pulled the credit reports from their company and they can not help me ( run-around ).
Product: Debt collection

On NCC Business services called my place of work irrately for a debt that isn't mine.
Product: Debt collection

on XX/XX/2019 a debt collector from AA recovery phone # XXXX contacted the HR dept of my place of employment asking to speak to me. The representative from A recovery stated that she would put a 24 hr hold on my account and that I needed to go to XXXX and get a prepaid card and make some type of payment towards this debt or they would start garnishing my wages ( which is illegal in the state of Texas ). this person was very rude and threatening. I also informed her that they are NEVER to call my place of employment again
Product: Credit reporting, credit repair services, or other personal consumer reports

Caliber Home Loans Continues to report incorrect information that is damaging to XXXX  score and reduced our ability to get approved for a loan and caused creditors to deny us credit and has delayed the buying of our horse barn warehouse and has postponed our development. 

See attachment from XX/XX/2022. 

Caliber has not reported my on-time payments for XXXX and XXXX and made a mistake and marked XXXX 30 days late, and the ending month balance is wrong.
Product: Checking or savings account

I filed a claim for unauthorized transactions ( XXXX ) with WELLS FARGO. I have yet to have my funds returned to my account. I demand my stolen funds be returned to my account immediately. We already cancelled the card and the new one has been shipped to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been misused and there are now fraudulent accounts reporting on my credit report. There is a credit card that has been maxed, a loan for a vehicle and a bunch of unauthorized inquiries. This is truly hindering and it is making my process to gain personal funding very difficult. This goes against the FCRA guidelines and I need these accounts removed from my credit report as soon as possible. I have submitted proper documentation to verify my identity along with the pdf file of my complaint through the FTC. The report number is # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX Balance : {$2100.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3700.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I have had an American Express card account since 2009 XXXX 12 years XXXX. I have never paid late and every month I pay any balance on this card in full. I feel that I have been an exemplary customer to American Express. They had for many years restricted my account to only {$1000.00} and eventually increased it to {$2000.00} a number of years ago. I thought that {$2000.00} was the balance that I had on the card as I had not noticed any change to the account. I primarily use this card for my small health business and had been using it for all of my various bills such as VoIP phone, EHR, constant contact etc each month that required a credit card. I recently was in the process of trying to setup some other business offices in other states where I am licensed to practice and when I used the card to purchase the virtual address locations, they were declined. I had just paid my bill in full, the balance was only {$620.00} and I thought I still had {$1300.00} left on the card. I called American Express and the representative told me that last fall they decreased my account to {$1000.00}. I can't express the sadness that I felt and still feel that this company would hurt me and my small business like this! This was really such a very terrible thing to do to a long time customer that has never done anything to warrant taking away credit. I do carry high loans. I am a doctor in the health field and I have many education and health practice expenses some of which are related to expensive labs that are processing for patients. But my credit is good. The letter that I received today from American Express said that my FICO score is XXXX. Is there something wrong with that? I thought that was good. Like everyone, my small health business was greatly affected by the pandemic and I have been working as hard as I can to make a living and what American Express did to me is really so low and nasty. I did not deserve this! It makes me very angry! It is a terrible thing to do to people who have always paid their bills on time. What a terrible company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have texted called emailed over and over i settled with one that i made 5 payments of XXXX its paid for they say say i owe more i settled with it i payed anther one in full XXXX and i made police report on the others for idenity theft. Hospital one i gave them my insurance it is still in the credit bureau needs taking out..
Product: Credit card or prepaid card

On XX/XX/2021, I changed my primary address from my old address to a new address on Chase 's online website. Some time afterwards, Chase apparently changed my billing address back to my old address without informing me, and I am unable to see it on Chase 's website. Later, on XX/XX/XXXX, my spouse changed our billing address, in person, back to the new address. Again, Chase changed the billing address back to the old address without informing us. This time, our payments for our bills were rejected and cancelled back due to the uninformed address change. This includes a {$1700.00} purchase we made on XX/XX/XXXX. We only found out the charge was cancelled on XX/XX/2021, and we called Chase at XXXX XXXX  to inquire about the cancellation. During the call, the Chase representative confirmed that the billing address was changed back to our old address, and that the billing address differed from the primary address associated with our card. This was unknown to us, and we had no way of seeing that our billing address was different. The representative proceeded to inquire if I wanted to change my address, which I declined, and proceeded to transfer me to the web department. I was then notified via email around XXXX XXXX that my address was changed without my consent. When I proceeded to inquire about the change, a new representative stated that it was due to a government agency reaching out to Chase about my address being changed, but this is clearly false given I received the same email as I did on XX/XX/XXXX and XX/XX/XXXX. I concluded that a Chase agent changed my billing address without my permission and without my visibility.
Product: Money transfer, virtual currency, or money service

In short, we purchased XXXX pieces from XXXX through a PayPal purchase. The second piece was not done correctly and the shop agreed to refund the payment. 

When he processed the refund, he did it incorrectly and sent it as though I was the business and he was the customer. It was over {$600.00} so it is showing as a taxable transaction and showed a fee associated. We both submitted claims and have tried working with PayPal to reverse the charge as it was done incorrectly and was a mistake. Nothing has worked. 

Now it is showing that the refund is being held and requires my tax ID but I am not a business. We even tried submitting it a different way and it actually took out another {$650.00} from my account instead of replacing it! We have finally reversed the second charge so there is just the original outstanding charge that should be cancelled so that the seller can submit it properly. 

The business and myself agree that this was done as a mistake or incorrectly. It needs to be reversed so that he can process it the right way but so far as have been told by PayPal they can't reverse or cancel any transactions which isn't right. I shouldn't be penalized as a business when I am the consumer only trying to receive the money the business owes me back. 

Please assist with how we can reverse the charge and ensure that I am not showing as a taxable transaction. Thank you for your support.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I HAVE FRAUD ACOUNTS, ADDRESSES AND INQUIRIES. PLEASE REMOVE THESE ITEMS ASAP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT