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

THEY REPORTED THIS ACCOUNT ON MY CREDIT REPORT NAME : XXXX XXXX XXXX XXXX XXXX THAT ACCOUNT IS NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled bankruptcy about XX/XX/XXXX. Bankruptcy was discharged about XX/XX/XXXX. One account from XXXX XXXX XXXX XXXX had a reported date of XX/XX/XXXX at first ( i was under bankruptcy so therefore that should not happen ). Try to have it removed from credit reporting agencies with some success. Amounts owed changed but where incorrect. There 3 agencies and they each have different information. Why? XXXX seems to be the most accurate. At this time XXXX and equifax have accounts listed that where included in my bankruptcy. As I understand it those accounts should not be reporting 7 years from the date of filling ( XX/XX/XXXX ). My report should not even reflect nothing mentioning bankruptcy. Please educate me or ask those agencies to educate their selfs. Hold them responsible for information they spread that is illegally derogatory. Why do they just make more processes to be followed when it is actions they can take to ensure accuracy. They should not ask me to pay for a service to correct it. Sounds like extortion. Conflict of interest! Thank you for your service.
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My employer is : XXXX XXXX  Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Product: Credit reporting or other personal consumer reports

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

My bank did not refund/credit my account after someone had stolen my money. I filed a police report and emailed it to them. They didn't give a written response as to why they didnt refund the money. The date of the transaction was XX/XX/2023 at XXXX for the amount of {$480.00}
Product: Mortgage

On XX/XX/22 a payoff letter was sent to me from Carrington Mortgage Services. On XX/XX/22 my Bank sent an official check to Carrington to payoff the mortgage. An additional {$37.00} was added to the payoff figure from Carrington since they were going to receive it after XX/XX/22. 
The payoff check from my bank was processed as monthly payments and not a payoff.
Product: Vehicle loan or lease

Paid off a lease with US Bank in approximately XX/XX/XXXX. In XX/XX/XXXX, XXXX more than 6 months later ) I began receiving statements for {$52.00} for " Misc Non-taxable '' with no other explanation. I returned the first one with explanation that car was paid off. The next month I called and XXXX claimed it was a Pennsylvania toll fee from XXXX. The date did not seem to line up with past travel, but so much time had passed that I requested proof ( toll invoice including picture of my vehicle ). They said they would mail but could NOT scan to me. In XX/XX/XXXX, I still had received nothing, so called again. XXXX said file appeared to indicate that it was mailed, but she would try again. Still nothing! Talked to XXXX again in XX/XX/XXXX and she was not sure why mailings had not been sent. In XXXX I wrote a detailed letter and asked that they provide the proof or stop harassing me. 
In XX/XX/XXXX, I talked to XXXX and he claimed details were sent twice but he did not have access to them and again NOBODY could sent them via email ( which is ridiculous ), I requested they try to mail again. About a week later someone who sounded just like XXXX called me and got very nasty and indicated I should pay whether I had the proof or not because it was my leasing company requesting the money. Absurd! I have spent so much time attempting to determine whether this is my bill. First, not sure why they didn't bill it at the time they paid it, second, why it wasn't included in my payoff figure, and third what is so difficult to provide the info I have repeatedly asked for. This has become emotionally draining for me and it needs to stop.
Product: Debt collection

I am the trustee for the trust of XXXX XXXX XXXX who was the last surviving borrower on a reverse mortgage serviced by Wells Fargo Bank before she passed on XX/XX/XXXX for her home located at XXXX XXXX XXXX, XXXX, Ca. XXXX. Wells Fargo 's Loan ID # is XXXX and Loan Acct # is XXXX. On XX/XX/XXXX, Wells Fargo provided us with written notice of our rights and obligations and specifically indicated that Youll have up to six months to purchase or market and sale the property. This calculates to XX/XX/XXXX. As they requested, we also provided Wells Fargo with copies of the deceaseds death certificate, the trust agreement and an intent letter that indicated we were going to sale the property. Wells Fargo acknowledged receipt of these documents by letter dated XX/XX/XXXX. Based upon that written representation, we renovated the house and put it up for sale and it is set to close on XX/XX/XXXX. The problem that we seek your assistance on is that despite our protests including that the house had sold and was in escrow, in XX/XX/XXXX Wells Fargo referred the property for foreclosure. After further protests, Wells Fargo agreed to not take any formal legal action. We assumed that this ended the matter, however, Wells Fargos attorney is now charging us {$900.00} in legal fees relating to the foreclosure. We have had numerous conversations with Wells Fargo personnel about this matter including today with XXXX XXXX of Wells Fargo at ( XXXX ) XXXX XXXX. He has defending the foreclosure action and has refused to reverse the legal fees stating that HUD guidelines required them to start foreclosure 120 days after the last borrowers death and furthermore they didnt have any duty to notify us of this requirement ( which they did n't until after they referred the matter to foreclosure ) and that it was our mistake to rely upon the representations in their XX/XX/XXXX letter which gave us until XX/XX/XXXX to market and sale the property. The facts support that Wells Fargo has refused to comply with the very specific repayment terms that they provided in their XXXX XXXX XXXX letter, have fraudulently and arbitrarily changed those terms without providing any prior notice and instituted foreclosure proceedings prior to the date that they specifically provided as the grace period before the debt became due and payable, namely on XXXX XXXX XXXX. This fraud caused tremendous XXXX XXXX XXXX XXXX  plus hours of my time to seek their agreement to cease these actions and has causing the above mentioned legal fees to be billed to XXXX XXXX estate. Please investigate this matter on our behalf because Wells Fargo 's actions are dishonest and I think fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

disputed with the three credit bureaus and XXXX and XXXX  have yet to remove these items i do not have a account with them nor do i owe them anything. I have been disputing for months. I have listed the accounts below Identity Theft XXXX Account Number : XXXX balance : {$4300.00} Theft XXXX  Account Number : XXXX balance : {$8400.00} Theft XXXX  Account Number : XXXX balance : $ XXXX XXXX  Account Number : XXXX balance : {$4300.00} Theft XXXX Account Number : XXXX balance : {$1400.00} Theft XXXX Account Number : XXXX balance : $ XXXXTheft XXXX  Account Number :
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of XXXX XXXX. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, DEPT OF XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, COASTAL XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, DEPT OF XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXXquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX Inquiry Date XX/XX/XXXX.
Product: Debt collection

This is not my account neither did I authorize any one to open account I was incarcerated when this was done my family identity was compromised
Product: Credit card

Please see the attached documents. I implore the bureau to begin an investigation into these accounts, as they falsely depict me as late, contrary to my timely payments.
Product: Credit card or prepaid card

I n   XXXX   I received a promotional mailing from USAA for Balance Transfer. The fee for the transfer was supposed to be a maximum of {$75.00} I filled out their promotional check, but my local bank would not accept it without a 21 day hold on the funds. I contacted USAA and told them of the problem. They suggested I use my credit card and just take out the advance that way. What they did NOT disclose was that the {$75.00} maximum fee did not apply if the " convenience '' check was not used. So, they nailed me with a {$600.00} " Cash Advance Fee ''. Additionally, they have charged me the standard " Cash Advance '' interest rate instead of the promotional 1.99 % for 12 month rate. I have called several times over the past three months trying to get this resolved. Each time I have explained the situation to the Customer Service rep, who said they could not help me and then forwarded me to his/her Supervisor. After repeating the story to the Supervisor, he/she said she could not help me and forwarded me on to the vaunted " Executive Resolution Team ''. After explaining the situation again, each of the three Executive Resolution Team members I spoke to over the course of the three months said they would review the tapes / transcripts of my original calls and get back to me within a week. I have NEVER received a callback. I demand a refund of the {$600.00} and all interest charges associated with this balance transfer and a n adjustment of the rate to the promotional 1.9 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAINE & WEINER - XXXX is a fraudulent account reporting on my credit report.
Product: Vehicle loan or lease

My car loan finance company changed in XXXX. The company I originally financed my company with closed. 

I financed a XXXX XXXX XXXX. 

I financed the car for XXXX. My payment amount is XXXX with a 25 % APR for 50 months. 

The interest and principal on the loan is supposed to go down each month. However, the amounts are inconsistent. Some months I'm not charged a principal, just interest. Some months the the interest exceeds the principal. ( Please see the document attached below. ) I have called customer service on numerous occasions and none of the customer support representatives or supervisors can explain the variations and why the amount still owed on the loan is still XXXX when the finance amount was XXXX. 

I have requested that my original contract be provided to me with various reps and no one is willing to provide me with those documents. 

I believe my principal and interest charges are incorrect and that they have been overcharging me and nothing has been paid towards the car loan because they have excessively continued to overcharge me with principal and finance fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called credit systems on XX/XX/XXXX and paid 2 credit items off my credit and they still show it as a collection account owed and will not remove it off of my credit after a phone conversation with them.confirmation number is XXXX for {$25.00} for XXXX XXXX XXXX and {$40.00} for XXXX XXXX.
Product: Credit card or prepaid card

In XXXX 2017 my wife and I signed a contract with XXXX XXXX XXXX  XXXX to remodel our custom oak kitchen. The work was to include refacing existing cabinets and installing new doors and drawers, countertops and backsplash. We charged {$20000.00} thru XXXX XXXX card. The contractor has still not completed our work. Also the work that has been completed is unsatisfactory. We made several attempts to solve this matter with XXXX and have been ignored and left waiting for people to show up that never did. We have paid the {$20000.00} in full ( because interest free term is up next month ). We filed a dispute 2 times with XXXX XXXX/CitiBank and have been denied both times. We even asked them to send inspector to validate our claim. They chose to believe the contractor 's word. We have found out multiple people have filed the same dispute and were denied as well for the same reasons. Please take the time to review our case. Both XXXX XXXX and XXXX XXXX has our money and we have an unsatisfactory and unfinished kitchen. 

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

I disputed an account on XX/XX/2023 with a debt collection agency ( Midland credit management ) and told the credit bureaus to " investigate '' this account and ask the debt collecting agency to provide verified evidence of proof that they have a contract with me to collect money from me they failed to properly investigate my case and did not provide me with an actual signed and verified contract that I owe midland credit management inc money. 

According to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics ', or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not properly investigate according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate information and according to the FRCA 15 USC1681 everything must be 100 % accurate.
Product: Vehicle loan or lease

Ally financial loaned {$13000.00} in XXXX 2012 payments of {$240.00} so made already a little over {$16000.00} so far call for payoff today and claim I still owe {$5000.00} believe this is in correct and nobody speaks clear English there and struggling to get to bottom of this thanks for listening I really need help direct me to the right person or forward this email to others to see who it is I need to speak with my number is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The account is fraud. I had my credit breached 3 times. I have ask for them to remove it but they refuse. I ask for proof that they have but no answer. Now, it is reported as a charge off but with a balance or past due. Thats inaccurate reporting. They refuse to change anything. I am at whits end with them. It's not mine and this has befn going on for months. At the time of this, my breaches i had bank accounts being set up in my name. I managed to stop them. This needs to be corrected.
Product: Payday loan, title loan, personal loan, or advance loan

I refinanced my mortgage. The new mortgage company sent me XXXX checks to pay off credit accounts and loan accounts. I sent both checks to XXXX separate companies on XX/XX/XXXX. XXXX weeks later I received verification from my mortgage company that both checks had been cashed by both companies. One of the companies posted the funds to the account immediately. Citibank however has not posted the funds yet. They cashed the check on XX/XX/XXXX. It's is XX/XX/XXXX and they have still not posted the funds to the account. I have called multiple times however, they seem to have difficulty locating my account and/or they keep sending me to XXXX or XXXX different departments and then I have to explain all over again what my issue is and then they send me to someone else. They have cashed a check for {$14000.00} but they can't seem to find the funds. I have proof they have cashed the check but when I ask for an email address to send them the proof, they say I can only mail it. I am not living in the XXXX and mailing this proof is not feasible or reasonable and I have to call them from overseas every time which takes an enormous amount of time and I also have to wake up at XXXX XXXX to reach them. When I ask for higher up supervisors to help, I was told that they can't provide that information to me. They refuse to open an investigation into where the funds are. I can not get any help with this. They have my money, I have proof they have my money. They won't provide me a quick and easy way to show them this proof and furthermore, why am I having to prove to them that they cashed my check? They are making me jump through hoops when I have done the right thing and paid my debt in good faith. I sent the check in good faith and they are holding my funds while also charging me interest every day on the loan. I want my money found, I want my account paid off and I want reimbursement for any interest that has accrued on both the personal loan and the credit card accounts that this check was meant to pay off. I am also paying interest on the money itself since it is payout funds from the refinancing of my mortgage. This should not be legal or acceptable for them to do this to their customers on any level. The amount of stress and XXXX XXXX  I have experienced is causing me health issues.
Product: Credit card or prepaid card

I HAVE HAD AN AVANT CREDIT {$300.00} LIMIT FOR OVER 6 MONTHS NOW. I HAVE BEEN PAYING $ 15 MONTHLY MINIMUM ALTHOUGH I HAVE NOT USEDIT. 
ITRIED TO ACTIVATE IT BUT WAS TOLD I TOOK TOO LONG TO ACTIVATE AND I HAD TO BE SENT A NEW ONE. I RECEIVED THE NEW ONE AND ACTIVATED IT AND TRIED TO USE IT FOR A {$72.00} PURCHASE BUT WAS DECLINED. CALLED THEM AND WAS TOLD TO TRY AGAIN AS THE CARD WAS NOT ACTIVATED. IT WAS DECLINED AGAIN. I CALLED AGAIN AND WAS TOLD THE MATTER WAS ESCALATED. 
HAVE NOT RECEIVED ANY RESOULTION TO DATE AVANT LLC/WEB BANK XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX
Product: Debt collection

The debt collection agency will not update the amount owed/adjust my credit report and remove from collections. 

The service was in XX/XX/XXXX and it was finally resolved by my insurance XX/XX/XXXX. 

There were issues with me having multiple insurances and they wouldnt initially pay until I provided proof of only having one medical insurance. Once that was taken care of they paid out. 

My insurance covered the debt ( XXXX ) an I provided the supporting documentation to the hospital, the agency, and XXXX multiple times as proof. 

Ive called them and the are not responsive other than I must wait for them for review the documents Ive submitted. 

They will not respond to my emails ( they provided me the email address ) Ive disputed this 4 times already with XXXX. 
It is wrong to expect me to pay a bill that was paid through insurance always. I am only responsible for the deductible of XXXX. 
I wonder if others are experiencing the same issue with this agency. It is worth looking into it, as it is a fraudulent practice. 

I dont know what else to do! 

Thank you kindly in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported fraudulent information on my credit report. I have never had any loan, contract or debt obligation to XXXX XXXX XXXX, nor was I given written notification of this fraudulent debt, my right to dispute, and validation of this debt, which I have asked for on two occasions. This is a clear violation of The Fair Debt Collection Practices Act. Despite making this complaint regarding this to XXXX XXXX XXXX, Experian, XXXX  and XXXX, this fraudulent information still remains on my credit report in violation of Fair Credit Reporting Act. This three inaccurate unverified accounts are wreaking havoc on my credit and my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my XXXX credit card account with Transunion and directly with XXXX XXXX. Transunion is stating that this account has been verified with the company but XXXX XXXX is saying that they are reporting accurate information to Transunion and if I have any issues to contact Transunion. This account with XXXX account # XXXX was opened on XX/XX/2014 and was paid in full. This account was never included in a bankruptcy. Furthermore I have asked Transunion to provide me with verifiable information of what the furnisher ( XXXX XXXX ) sent to them as evidence that the information is correct and a description of the investigation procedures used to verify my account. Transunion has not provided me with that information and all XXXX XXXX provided me with is the attached letter which is vague and putting the onus on Transuion. As per Section 609, I am entitled to see the source of the information.