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

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my report and noticed 2 account that are not mine. 1 ) XXXX XXXX and 2 ) XXXX XXXX XXXX. I also noticed On Experian 37 inquiries that i did not give permission for any of them companies to request my credit report. Also XXXX has 10 inquiries in which i did not give the companies to request my report and XXXX 5 companies. 
XXXX. 
1 ) XXXX XX/XX/2019 2 ) XXXX XX/XX/2019 3 ) XXXX XX/XX/XXXX, XXXX XX/XX/2019 5 ) XXXX XXXX XXXX XX/XX/2019 6 ) XXXX XXXX XX/XX/2019 7 ) XXXX XXXX XX/XX/2019 8 )  XXXX XX/XX/2019 9 ) XXXX XX/XX/2019 10 ) XXXX XXXX XXXX XXXX XXXX 1 ) XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX All 37 inquiries
Product: Checking or savings account

This seems to be the only way I can get a response out of Wells Fargo, I do n't have access to my account, I have tried writing to the following email address they gave me : XXXXXXXXXXXX but I never get a response. I have tried TTY and using an IP Relay but we either get disconnected, ca n't get through to a person, the customer service agent does n't quite get IP Relay or gets frustrated, etc It 's a never ending stream of problems trying to contact Wells Fargo. I 'm XXXX and XXXX, whenever possible I prefer online correspondence but Wells Fargo is n't on board with this century I guess. In any event in XXXX 2017 I opened an account with Wells Fargo because of a promotion they were running, in XXXX 2017 I got a settlement check from an ADA lawsuit, it was too large to do via mobile deposit so I sent it to a friend to deposit on my behalf because there is n't a branch anywhere near me, I ca n't drive/do n't have a car, getting out is extremely difficult, and so on. So far no problems but then without warning Wells Fargo freezes my account with no explanation as to why, I ca n't get through to find out how to resolve it, I have offered to send them my SS, birth cert, bills with m address, etc, whatever they may need to identify me but the few times I 've gotten a response via BBB or letter in the mail they only say that they ca n't help me until I come in. Even though I have explained over and over again that I PHYSICALLY can not come in, it is an impossibility and they have offered zero alternative. Because of the numerous problems I have requested that they send a check for the remaining amount in my account ( {$4000.00} ) and close the account. I paid a guy {$50.00} to come to my house and notarize all of Wells Fargo required papers to close an account without coming in. Exception Payments contacted me via mail to tell me that more information was needed, they suggested I either come in or contact at XXXX, as explained multiple times over there is no way shape or form that I can physically go in to a branch so I tried calling the number via IP Relay and could n't get through to anyone. I have mailed them a close request once again, it was sent with the notarized form that they require, as well as a copy of my XXXX ID and birth certificate. What they are doing is wrong on so many levels, I 've never had so many problems with any bank or institution. <P/>I just want my money sent to me and the account closed, I have no intention of ever doing business with Wells Fargo ever again.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address issues concerning incorrect personal information reporting on my credit report. These clearly does not belong to me and shall be removed immediately.
Product: Checking or savings account

On XX/XX/XXXX, I requested for Bank of America to review and consider a refund of excessive fee charges associated with my checking account for the following Years and Dollar amounts : XXXX ). XXXX XXXX XXXX  Overdraft Fees ( Year To Date ) : {$380.00} NSF Charges ( Year To Date : {$35.00} XXXX ). XXXX XXXX XXXX  Overdraft Fees ( Year To Date ) : {$630.00} NSF Charges ( Year To Date ) : {$560.00} XXXX ). XXXX/XXXX/XXXX - XX/XX/XXXX Overdraft ( Year To Date ) : {$1000.00} NSF ( Year To Date ) : {$140.00} Fees totaling {$2700.00}. In addition, during this period I charged excessive fees and Bank of America did not pay any of the vendors, but yet I was charged the fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I recognized that my credit was being used and there was unauthorized hard inquiries on my credit report from someone attempting to obtain credit in my name. I have filed a police report, and sent a formal letter to all three credit bureaus stating that I was victim of identity theft and fraud. I also placed a fraud alert on my credit. XXXX  was able to remove all of the inquiries, however, when I contacted XXXX  and XXXX  on XX/XX/2021 they refused to remove the unauthorized hard inquiries even though I mailed in a dispute letter with a police report attached. I am very furious because these fraudulent inquiries have hurt my credit and I am now not able to even apply for anything myself because the inquiries dropped by score 50 points. There are 7 inquiries on XXXX  and 5 on XXXX  that I need removed immediately. The companies involved are XXXX XXXX, Capital One, XXXX XXXX, XXXX, and XXXX
Product: Debt collection

On XX/XX/year> I received an alert from my credit profile stating that I opened an account on XX/XX/year> with I C System in the amount of {$540.00}. I have no knowledge of who this company is nor have I received any documentation with a signature or any type of communication from them, they just threw this on my credit report which has caused my credit score to drop tremendously. I want this removed from my credit immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent me emails stating My SSN has been reported from a creditor that I am deceased. Tells me in the email to call a number so I may speak to someone. Never get to speak anyone, its automation. I have XXXX   lots of numbers for Experian and it's the same automation. One recording depending on what number you press, they want you send  copies of personal nature by mail which is a risk.Tried to dispute online, states I cant, have to call number, did, once again automation. Can not choose to speak to a rep
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX, SSN XXXX, DOB XX/XX/1986 I HAVE HAD SEVERAL ISSUES WITH TOTAL VISA CARD AND THEY FAIL TO MAKE THINGS RIGHT, I RECEIVED LATE MARKS ON MY CREDIT REPORT, I ASKED FOR A GOODWILL REQUEST AND IT WAS DENIED STATING IT WAS ACCURATE, I AM NOT DENYING THE VALIDITY BUT THEY NEVER SEND ME STATEMENTS, THEY NEVER CALLED ME TO REMIND ME OF PAYMENT, I HAVE NEVER TALK TO THEM AND WHEN I DID THEY SAID IF I MADE A FULL PAYMENT THEY WILL REMOVE THE LATE MARKS WHICH THEY LIED BECAUSE NOW THEY ARE SAYING THEY WILL NOT. I AM GOING TO SUE THIS COMPANY IF THEY DO NOT REMOVE ALL LATE MARKS AND REFUND LATE FEES TO MY ACCOUNT, BUT MOST IMPORTANTLY ALL CREDIT LATE MARKS MUST BE REMOVED FROM MY CREDIT REPORT, I AM UNABLE TO GET A MORTGAGE THANKS TO THEM, I DEMAND THAT THEY SEND ME DOCUMENTATION STATING WHY I DONT RECEIVE STATEMENTS, ALSO WANT RECORDINGS OR PROOF THAT THEY ATTEMPTED TO CALL ME TO COLLECT PAYMENT IF THEY FAIL TO PROVIDE ME WITH THAT THEY MUST REMOVE LATE MARKS UNDER FEDERAL LAWS OF CREDIT REPORTING OR I WILL BE FORCED TO SUE TOTAL VISA CARD AND XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX Acct # XXXX ..XXXX XXXX XXXX Acct # XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

My name is spelled incorrectly. 
The opening date is incorrect. 
The balance is incorrect. It clearly states < {$5000.00} on the court paperwork. 

Also I paid my rent 3 months ahead. I shouldnt owe them any money when they owed me that money back. A government program named XXXX XXXX  paid my rent for 3 months ahead with a check and they evicted me and didnt give me that money back or put it towards this debt.
Product: Credit card

I have a credit card account with Capital One. My payments are due by the XXXX of the month and typically Capital One will report account information to the credit bureaus a few days after the payment is due each month. This is what occurred this month on approximately XXXX/XXXX/2015, when my account was updated to reflect the payments made and my balance reflected {$130.00}. I then made another payment which posted on XXXX/XXXX/2015. Capital One did not update my payment history after that payment. However, there was an issue with my bank and the payment was returned ( and subsequently resubmitted after the error was corrected ). I checked my credit report today and Capital One has now updated my XXXX report to reflect the balance of the returned payment even though they had already updated the reporting of the account at the beginning of the month to reflect my payments at that time which cleared with no problem. Consequently, this update caused a nearly XXXX point drop in my credit score. It is very clear that Capital One is electing to report the account at various times with the intent of penalizing me. They did n't choose to update the reporting when my balance was even lower yet they are choosing to do so when the payment was returned. This clearly shows that they are intentionally trying to damage my credit rating in an effort to have me resolve the returned payment ( which I have already done anyway ). This is not the XXXX time they have reported multiple times in a month. The account should be reported after the payment is due and not report again until the following month 's payment is due, which is accurate information. Had I not resolved the issue with the returned payment by my next billing cycle, then Capital One would have every reason to report it in this manner, however, they are opting to do so now before the billing cycle is complete in an effort to intentionally damage my credit rating and to penalize me. I am applying for a mortgage at this time and now have been denied credit due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX stated that I had auto loans with them and a credit card, pulled my credit and sure enough there they were. I was informed to attach my Sheriffs Report to this complaint and the Credit Reporting Agencies will removed the Fraudulent Accounts listed below. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - CREDIT CARD
Product: Debt collection

The company calls XXXX to 15 times a day, to both my husband and myself, and even if you pick up, they do n't say anything, they just hang up. As soon as you block XXXX number, they use another. It starts at the second day were late on a payment, and continues a couple days after we 've paid. If they do say anything when we answer, they threaten legal action of we do n't pay immediately.
Product: Debt collection

I do not owe anything related to this account. Last payment towards this account was made in XXXX of this year ( I have receipt of when the money was deducted in my account ), and so I have no further obligations. But this company still went ahead and recently added to my credit report that I owe {$830.00}.
Product: Credit card

Balance of {$53.00} was mailed by XXXX XXXX XXXX  via my online bill payer on XX/XX/year>. Payment due date was XX/XX/year>. Comenity - Victoria 's Secret did not post the payment until XX/XX/year>. The USPS does not take 10 days to deliver mail from Indiana to their XXXX XXXX XXXX Texas. It seems apparent they did not post the payment in a timely manner resulting in a new bill this month for a {$29.00} late fee. I have already paid {$29.00} by phone and closed the account to avoid further issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX balance {$3300.00} account was closed now open with late payment which damaged credit score account was disputed but it still be reported Portfolio Recovery balance {$300.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per XXXX XXXX ) have not communicated in 30 days refused to settle Portfolio Recovery balance {$640.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per XXXX XXXX  ) have not communicated in 30 days refused to settle XXXX XXXX XXXX balance {$980.00} disputed account dispute was denied sent in correspondence to produce signed contract between themselves and me could produce attempted to settle with legal tender, tender rejected ( equalling discharge per XXXX XXXX ) have not communicated in 30 days refused to settle
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX  Account : 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 instructions. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX Hard inquiry XXXX XXXX XXXX XXXX XXXX inquiry XXXX/Hard inquiry XXXX XXXX XXXXHard inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit investigation on XX/XX/XXXX. More than 60 days have passed, and I have not received responses yet.
Product: Student loan

After almost a dozen written requests you still have refused to acknowledge or correctly apply the forbearance requested in 2017 despite your approval same. You now claim that my account is delinquent. Please correctly apply the 2017 forbearance request. If you need assistance in reconciling your records, or reconstructing records you may have misplaced, please refer to prior CFPB complaints and related documentation.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To whom ever this may concern, XXXX XXXX XXXX XXXX XXXX XXXX. My wallet was taken and also my XXXX XXXX handbag worth 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 The maxed out all of my credit cards and also stole all of my credentials and began signing up for accounts damaging my credit score costing me around XXXX $ in credit repairs just too, stop from being homeless due too negligence on my credit report. This has been the worst time of my life, a complete nightmare for my XXXX XXXX daughter too have too look at me and see my face and body this way. The company has not done anything and they have not processed me any sort of refund. Ive been treated unfair and feel as if Ive been discriminated against. I would really like the XXXX XXXX XXXX XXXX owes me. Theres so many dates and documents that I will attache them below. Im just lost for words because how can they let someone do this too me then try too hold me accountable I really hope someone hear my cry for help this has been so rough being a victim of identity theft and nothing being done about it as well as someone stealing my credit card and maxing them out. I would really like some sort of compensation and the cfpb too investigate the accounts that XXXX XXXX XXXX  has in its data base of mine. I would also like too ask that the cfpb ask for any documents that Ive sent XXXX XXXX XXXX. This has been the worst situation Ive ever been in, in my life. Leaving me and my daughter almost homeless from this situation. I really hope someone can investigate this and reach back out too me as soon as possible thank you so much I appreciate all of your help.
Product: Debt collection

I opened up an account with creditone for a purchase of a moped. I stopped receiving notifications of the debt. They turned it over to a collection agency and then covid hit. The day after restrictions were lifted, this company sold the debt. I set up automatic payments with this company. There were taking money out of my account every month. In XXXX, I received a call from Logicoll LLC stating my payment was missed. I double checked my account and it was taken out. They wanted me to make a payment with them over the phone. I assumed this was a scam. I called my bank and they said the money was taken from my account and transferred the payment to Logicoll , LLC. I called the supervisor I set the payments up with. He told me there was something wrong with their system and everything had to be re-entered. He asked that I send him proof of payment, which I did. He told me not to make a payment with anyone that he would fix it and if anything else was needed he would call me back. I even received an email thanking me for the phone call. I never heard back. My co-signer just received notification it was sold to another company and I have not made a payments. I am not sure how they can sell it and try to say I have not been making payments when they were set up automatically.
Product: Checking or savings account

We have an issue several times with checking account. Funds being low. Approximately XX/XX/2023 - XX/XX/2023
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX  : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXX  : Account number : XXXX, Update this account quickly. 

XXXX XXXX Account number : XXXX, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in removing some of the incorrect credit information from my file, which resulted from an erroneous credit report entry. However, there are still remaining items that need to be addressed. This is my new complaint regarding erroneous credit information, and I am presenting this to dispute specific items in my file XXXX from the issue. The items I am disputing are unrelated to any transactions involving the acquisition of goods, services, or money that I have made or authorized. Please remove any items in my credit file that resulted from incorrect reporting : XXXX : XXXX XXXX XXXX ; XXXX XXXX ; UNABLE TO FORWARD MAIL XXXX, AZ XXXX ; XXXX XXXXXXXX Balance Owed : {$620.00} ; XXXX XXXX Balance Owed : {$320.00} ; XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$460.00} -- -- -- -- -- -- -- Equifax : XXXX XXXX XXXX ; XXXX  XXXX Balance Owed : {$620.00} ; XXXX XXXX Balance Owed : {$320.00} ; XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$460.00} ; XXXX  XX/XX/year> -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX ; XXXX XXXX Balance Owed : {$620.00} ; XXXX XXXX Balance Owed : {$320.00} ; XXXX XXXXXXXX Balance Owed : {$2000.00} ; XXXX XXXX FIN XXXX Balance Owed : {$310.00} ; XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX BANK XXXX XXXX ) XXXX Balance Owed : {$460.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$360.00} XXXX XX/XX/year> XXXX These items are unfamiliar to me. Additionally, some information has been deleted by other bureaus, casting doubt on its accuracy. The reported payment history on these accounts is also a mystery to me. As stipulated by FCRA 605B ( c ) ( 1 ) ( C ), you have the authority to decline or rescind this information.