23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My wife and I purchased a vehicle from a company called XXXX in XXXX. We called the company in the beginning of XXXX because we could no longer afford it and they said we could make a payment and have them pick it up and we wouldn't owe them anything else which turned out to be a lie. We didn't know this at the time. 3 years later, a repossession hits my credit on XX/XX/XXXX. 

I have written 3 dispute letters to all 3 bureaus asking them to show verification of it being my debt and also to validate that the balance is correct because its not. We had a verbal deal that we wouldnt owe anything else after making the payment and surrendering the vehicle. XXXX has given us NOTHING. No itemized bill, no bill at all of any sort, and they are reporting to the credit agencies THE WRONG WAY. Transunion, XXXX  and XXXX  are all dragging their feet and telling lies also. 

They keep saying everytime I make a dispute that the XXXX verified the debt, the balance ( which is a lie ) and the status but they have not. I have demanded in writing and by phone that this account be removed from my credit reports immediately because the balance is WRONG, they cant validate the debt and most importantly, it keeps reporting as a late payment every single month on my credit report even though its been CLOSED for years and shows as CLOSED on my credit report but still reporting as a late payment that kills my score every month. 

I have also called XXXX directly 4 times dating back from XX/XX/XXXX asking them to validate the debt by showing me the bill and also to UPDATE all the WRONG information including the balance, status. 

My credit is perfect other than this and it is ruining me financially. I need this deleted from my credit report immediately. My letters/disputes were sent out in XXXX of XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Thanks!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit account opened at 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 This account and these inquiries have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize or benefit from any of the listed inquires. I also noticed 4 fraudulent accounts reporting to my consumer report. These accounts are reporting fraudulently to my consumer report because I the consumer gave no written instruction to any company to report anything onto my consumer report. This is a direct violation under title 15 U.S.Code 1681b ( a ) ( 2 ) and need to be blocked and deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous accounts on my credit that mostly Equifax is reporting incorrectly but also a few on XXXX and XXXX. 
The first is a public record that is hindering my ability to qualify for credit. Equifax is around 60 points lower than my XXXX and XXXX score due to the fact that they are still reporting a bankruptcy that was filed in XXXX. It was removed from XXXX and XXXX in XXXX of XXXX. I have disputed it twice since then and it is still reporting. 

The second issue is in regards to all three credit bureaus. They are all reporting my XXXX XXXXXXXX XXXX TWICE per account. I have 4 accounts and they are reporting 8 times ( two per account ). The account is current and reporting accurately as current and then also reporting a second time as negative which is it not. In XXXX into XXXX I did a rehabilitation program to bring these accounts out of delinquency and instead of updating the accounts and reporting them accurately, it now appears I have 8 student loan accounts when I have 4 and only 4. 

The third issue is XXXX XXXXr is posting as a negative account when A ) it is too old to be reporting and B ) I paid this account off in XXXX to a collection agency prior to purchasing my home. The issue here is that all the way up to XX/XX/XXXX, they are reflecting missed payments when this was sent to a collection agency and settled two years ago. 

The fifth issue is The XXXX XXXX XXXX  which is also posted as a negative account. This account as well is too old to report. It was also paid off to a collection agency in XXXX prior to purchasing my home and it still reporting missed payments up to XX/XX/XXXX. It has been paid for over two years. 

The last issue is XXXX XXXX. I have dealt with nothing but issue with this company since the getgo. The date of delinquency is incorrect. It was settled prior to purchasing my home in XXXX and it was supposed to be removed. When you speak to their company they are rude and hard to deal with. One person tells you one thing, another tells you something else.

All of these issues are affecting my credit and I have tried for two years now to have my credit report reflect accurate information. I have worked hard to redeem my credit, make all payments on time and opened my own business over a year ago and because of these errors on my report am constantly denied credit when I should be credit worthy. 

This is my last attempt at correcting it myself before getting an attorney involved.
Product: Money transfer, virtual currency, or money service

XX/XX/24 I reached out to a local vendor about buying some designer shoes. After agreeing to buy the shoes i was instructed to send the money. After the initial money was sent the vendor started to ask for insurances fees and more money. The vendor kept saying I will get refund some of the money after the deal was completed. They refused to bring the order unless I paid the other fees. I finally agreed to pay then the vendor blocked me on all platforms. XX/XX/24 The next morning I immediately contacted Wells Fargo to report what happened. XX/XX/24 Wells Fargo has denied my claim. The claim is for {$4100.00}.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
DEPT OF EDXXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

XX/XX/XXXX I've contacted Movement Mortgage Bank with the request of PMI removal according to the fact that home value increased. I received a form and I've paid the cost of home valuation. XX/XX/XXXX, at XXXX XXXX, I was contacted by the agent who should perform valuation, with the access request for the time frame ( XXXX ), this request was denied because of inappropriate scheduling and the time frame. The visit was rescheduled for XX/XX/XXXX, at XXXX. At the valuation visit the agent walked around our home and took multiple pictures of our house inside and outside. I want to point out to your attention that the agent took a picture of our XXXX daughter while she was sleeping, this fact was discovered only when we received the valuation report ( XXXX XXXX ). As a parents, we were very concerned about this issue, I asked to delete the image from the report and all sources of storage of the information ( electronic, paper ) by the Movement Mortgage Bank and all contractors or subcontractors of it. 
On the third week after the valuation visit, XX/XX/XXXX at XXXX I had requested the information about results of valuation, unfortunately I did not receive any feedback, so I had sent another email XX/XX/XXXX at XXXX XXXX, in feedback that was received was attached just a PDF copy of the valuation report. XX/XX/XXXX at XXXX I had received an official letter, valuation report and PMI valuation dispute form with the instruction stating that valuation can be contested in 60 days from the valuation date ( XX/XX/XXXX ). 
I've supported my contestation with the valuation report which was made by independent Broker in Charge ( please see attached files ), and I also disputed the comps that was used by the Movement Mortgage agent : Sale 1 : House from XXXX, is approx. 6 month from sale, and there are newer more valid comps available. 
Sale 2 : House was sold also 6 month ago, and it is XXXX bd and XXXX bth there are comps that are more like subject home than this one ; Sale 3 : is XXXX story, subject home is XXXX story ; Sale XXXX : Is new construction under contract but not closed ; Sale 5 : Is new construction under contract but not closed ; Sale XXXX : Is an active listing. 
In response for my dispute XX/XX/XXXX, I had received denial, main argument was " subject of valuation is backing on the XXXX XXXX XXXX ''. I had disputed that, providing the information from the XXXX XXXXXXXX XXXX  map and all other information. 
Unfortunately, I still don't have any feedback.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$4900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$58.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$390.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate accounts with TransUnion for over 8 months. They have provided me with any information about an investigation. I also contacted the creditors and they did not validate any information. My identity was stolen a couple years back, I'm not sure if these accounts are from that or just inaccurate. I have sent many letters providing proof of inaccurate, incorrect, and erroneous information they ignore me each month. 

These incorrect items are ruining my life. I don't know what else to do. 

The accounts below are incorrect. 

1. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX 3. DPT ED/XXXX Account Number : XXXX 4. XXXX XXXX Account Number : XXXX 5. XXXX Account Number : XXXX 6. XXXX XXXX  Account Number : XXXX 7.XXXX Account Number : XXXX 8. XXXX XXXX Account Number : XXXX
Product: Debt collection

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have submitted disputes letter requesting the company to validate and provide proof of documentation or any court judgements that binds me to the allege debt they are trying to say I owe or any original contracts baring my signature that I am in deed the consumer responsible this debt. However, I noticed that the company and the credit reporting agencies has illegally changed information and dates on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act acts by experian is violating my rights. Under 15 USC 1681 section 602 states I have a right to privatcy. 15 USC 1681 section 604 A section 2 states the consumer reporting agency can not furnish an account without my written consent or instructions. 15 USC 1666 B states a creditor can not treat a payment on an open mortgage or credit account under an open consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX Reporting Lates : XX/XX/2022 XX/XX/20XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been having Identity theft for the past years and havent been able to enjoy my credit due to all the unauthorized accounts on credit report and have to file taxes with a pin every year due to identity theft Ive been having issue with the credit before even I turn the age to get credit history its so un fair
Product: Checking or savings account

USAA closed my checking account, over 14 year account by a unauthorized phone call without any notice or communication with me, I am a veteran and very unhappy that they have left me with no access to my funds, said they mailed the check to my address but that I can't reopen my account, I have my bank loans with this account and have several deposits going to this accounts. I am not sure why they can do this!
Product: Money transfer, virtual currency, or money service

I have been a customer of Wise for many years but due to increased fees I have not used it recently. A recipient was also using Wise so so approximately XX/XX/year> because it advertised instantaneous delivery of funds. My funds were held for around a week and further yet my account was flagged. I was asked to verify my identify, which they clearly already know. However, their website process doesn't work and even though I've uploaded around XXXX photos of various things, the system fails every time even though I, as a human, can read it clearly. I've contacted support on numerous occasions and they provided a link to re-verify my account as if it's new which is not the issue with the error message I received. I was also asked to simply email my documents which is NOT a secure method of sending such sensitive information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have looked over my credit report and I see several addresses I do not live at listed on my report. My name is XXXX XXXX XXXX The following address are not mine and need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX L M XXXX XXXX XXXX # XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Consumer Loan

I now owe more than my original loan even though I have paid thousands towards it. I am now 60 days past due. They are calling third parties asking them to about my whereabouts and telling third parties about my financial situation. They have also harassed me with a false phone call from a police officer stating that I am to either make a payment or return the car. They call the same third parties multiple times which most are complaining that these calls are harassing. The creditor states that they have every right to make these calls.
Product: Checking or savings account

On XX/XX/XXXX, a pending charge of {$200.00} was put on my account. I called Wells Fargo immediately to advise that I did not make the charge and did not receive the merchandise. I also informed them that I had shut my card off and ordered a new card due to card being misplaced and also getting message that someone XXXX try and charge my card. I also asked them to put a stop pay on this charge and paid the fee of {$31.00} I was also expecting funds of {$200.00} to be deposited into the account from a loan company. Wells Fargo waited until after XXXX XXXX  to deposit the funds into my account and also until after the false charge of {$200.00} had been added so that my account would go negative. 
This was a set up and they deliberately caused my account to become overdrawn. 
So, I need to be refunded the {$200.00} for merchandise that I did not receive and refunded the {$31.00} fee because they failed to stop payment on the charge. I admit that I have not always kept a perfect account but this was a set up and a trap. So, please refund my money.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously!!
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I added my PayPal business debit card to my XXXX   account. The card was incorrectly classified as a credit card and was subject to a 3 % fee for payments. 

The response from PayPal was, " I'm not sure why the Business Debit MasterCard is labeled as a credit card on XXXX. This card does not have any kind of credit line associated with it. '' However, the response from XXXX  by XXXX XXXX was unreasonable, " Based on the first 6 numbers of the card, Mastercard is classifying it as a credit card. We can not change this as we are not doing this. ''
Product: Debt collection

In 2011 I left XXXX XXXX XXXX fleeing XXXX. I informed the manager that I was leaving and showed her the XXXX I took out on my XXXX. The manager told me that everything would be okay and that I didnt have to worry. I found out a few months later that the account was put on my credit. I was not aware that according to federal law you could break your lease in cases of XXXX XXXX and not be held liable so I let the debt sit on my credit for years. I left my lease 1 or 2 months early and I am unfairly being charged market rate rent for the entire lease term.
Product: Vehicle loan or lease

On XXXX XXXX, 2021 I notified Bridgecrest that they open loans without my knowledge or authorization. I informed them that I was a victim of Identity theft. I received a letter from Bridgecrest on XXXX the XXXX, 2021 requesting police report, notarized identity theft affidavit, government issued ID and my social security card. I sent certified a letter on XXXX XXXX, 2021 with all the information Bridgecrest asked for. I received the same letter from them on XXXX XXXX, 2021 requesting the same documents. I sent another certified letter on XXXX XXXX, 2021 with police report, notarized identity theft affidavit, government issued ID and my social security card. I have not received a release of liability for the fraudulent account. I will be certifying and sending all the documents to Bridgecrest on XXXX XXXX, 2021.
Product: Debt collection

I do not owe on any medical bills nor have any medical bills recently this is inaccurate and false information
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XX/XX/XXXXXXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Errors and Discrepancies on DEPTEDXXXX Student Loan Account To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of my DEPTEDXXXX  student loan account, as reflected in my credit reports provided by XXXX and Equifax. I have identified multiple discrepancies and errors in the reported information that violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ). 
The following are the details of the disputed account and discrepancies : Account Number : XXXX High Balance : {$6000.00} Date of Last Activity : XXXX XXXX XX/XX/XXXXXXXX  ; Equifax XXXX XX/XX/XXXXXXXX  Date Reported : XXXX XXXX XX/XX/XXXXXXXX  ; Equifax XXXX XX/XX/XXXXXXXX  Date Opened : XXXX XXXX XX/XX/XXXX ; Equifax XXXX XX/XX/XXXX Balance Owed : {$0.00} Account Status : XXXX XXXX Closed ; Equifax XXXX Open Payment Status : Late 120 Days ( both bureaus ) Payment History Discrepancies : XXXX : Late payments ( 90 and 120 days ) reported from XX/XX/XXXXXXXX  to XX/XX/XXXX. 
Equifax : Similar late payments reported for the same period. 
Identified Errors and Violations Inconsistent Reporting Across Bureaus : The payment status and payment history are not uniformly reported. While XXXX and Equifax report late payments from XX/XX/XXXX to XX/XX/XXXX, XXXX does not report any payment history. 
Account Status Discrepancy : XXXX reports the account as closed, whereas Equifax lists it as open, creating a conflicting narrative. 
Privacy and Accuracy Violation ( 15 USC 1681b & 15 USC 1681c ) : The late payment information reported does not reflect the actual payment history as per my records. Moreover, the discrepancies across bureaus demonstrate negligence in ensuring accurate reporting. 
Incorrect Date of Last Activity : The dates reported by XXXX ( XX/XX/XXXXXXXX  ) and Equifax ( XX/XX/XXXXXXXX  ) are inconsistent and fail to accurately reflect the true date of the last activity on this account. 
Failure to Update Account Information : Despite resolving the account in XXXX, the discrepancies and conflicting statuses persist in reports from XXXX and Equifax, indicating noncompliance with 15 USC 1681s-2. 
Requested Action Given the documented inaccuracies, I request the following actions be taken : Immediate investigation into the accuracy of the reported information. 
Removal or correction of all inaccurate late payments from XX/XX/XXXX to XX/XX/XXXX. 
Consistent reporting of the account status as closed with a {$0.00} balance across all bureaus. 
Written confirmation of the corrections made to my credit reports. 
Failure to address these discrepancies within 30 calendar days will leave me no choice but to escalate the matter further. I trust that you will handle this complaint promptly and in compliance with the FCRA and other applicable laws. 
Thank you for your attention to this matter. I look forward to your swift resolution. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I purchased a fixed rate CD in XX/XX/year> from PNC Bank in XXXX XXXX. Florida. The CD was for 7 months at an annual rate of 4.97 %. I was to.d if I did nothing at maturity it would renew automatically. I was NOT told that the interest rate would NOT be the same. I allowed the CD to roll over. At the second maturity period, received a statement that showed an interest rate of .03 % for the CD. The CD was for {$100000.00}. I was in total shock as I was not told initially that this would be the case, nor did the maturity statement give me a new interest rate. 

I called the bank when I received the maturity statement showing that I made {$8.00} for 6 months on my {$100000.00} CD. I was furious. The bank employee told me that I was required to come to the bank in person and request the new CD rate PRIOR to the maturity date. Again this was pertinent information that was not shared personally or writing ( maturity statement ). I found this practice to be not only misleading, but also fraudulent.