23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2021, I opened a joint account at Chase on XXXX XXXX XXXX, XXXX, XXXX. I showed two forms of ID, another recent bank statement with my current adddress, and the account was funded with XXXX. On XX/XX/2021, I was notified by Chase that the account was closed to suspicious activity. A supervisor by the name of XXXX told me that she can not disclose the specific reason they no longer want to do business with me, but it was after a back office review that they have determined I am not a worthy customer to do business with. I do not have any record on XXXX of bad account activity. I recently moved from XXXX, XXXX to XXXX, XXXX and I opened my account with my US Passport. 

When someone says you are suspicious there is a reason my red flag goes up. I have not committed fraud, nor have any desire to do so. I was simply opening an account for household expenses to be paid. 

I would appreciate a response on the reason why my account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rushmore Loan is reporting on my credit as a foreclosure and updating recently. I have never had a loan with this company nor do I know who they are. This is not mine and it needs to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report which showed accounts and inquiries that I did not authorize. I understand you should not be allowed to put an account or inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Information ) : Fraudulent Accounts : XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX  XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX  : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX DEPT OF EDXXXX : Acc : XXXX Date Opened : XX/XX/XXXX DEPT OF EDXXXX : Acc : XXXX Date Opened : XX/XX/XXXX XXXX  : Acc : XXXX Date Opened : XX/XX/XXXX XXXX : Acc : XXXX Date Opened : XX/XX/XXXX Fraudulent Collection : XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX   XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX HOSPITAL : Acc No : XXXX Date Opened : XX/XX/XXXX XXXX : Acc No : XXXX Date Opened : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX 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 : Inquiry date : XX/XX/XXXX 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 XXXX : Inquiry date : XX/XX/XXXX XXXX  : Inquiry date : XX/XX/XXXX Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I WENT IN TO BUY A CAR WHEN I WAS ALREADY PREAPPROVED AND THEY RAN MY CREDIT WITH OTHER DIFFERENT COMPANIES WITHOUT MY CONSENT. THE COMPANIES 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Good Afternoon : Please clarify the payment status, comments, balance and account number as they might be erroneous. Correct or delete them from my credit report altogether. You are describing this account type as a loan when in fact the alleged agreement is known by its governing laws as a credit sale. There is no loan agreement in place. No goods or money have been loaned. I'm pretty sure it is a violation of the FCRA to knowingly furnish or report false information. Please delete this item within the time allowed under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs, XXXX XXXX XXXX is saying I owe them for a charge to me by Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  {$900.00} XXXX XXXX XXXX XXXX  XXXX XXXX .for XXXX for the last 1 1/2 years i thought this was from an old XXXX XXXX account but after farther investigation I came to find out that it was a medical bill and should have been sent by the collection agency to my insurance company and gov. heath agency that handles those type of bills and charges. This bill should not have even got this far in the first place, and if it had been handled correctly to begin with, would have been paid in 2018 and no longer in existence. Due to this wrongful collection my score is XXXX. My credit score is keeping me from owning a home and owning proper transportation which in Texas if you don't have a car you can forget about advancement socially or making your life better. Your left at the mercy of social programs and volunteers and others. So I started investigating the collection that has virtually kept me financially impotent for 2 years.. I tried to file a dispute but every time I did Experian would not let me and then even worse they would erase or delete all my work and research hours of gathering information gone. How? losing all that work and time spent, causing me to feel hopeless and depressed making a person feel like they should giving up. 
I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have XXXX, XXXX, and heath insurance through XXXX XXXX so all of my medical and health related financial responsibilities are covered by those 2 agencies and 1 private insurance company. for 10 years. 
So tell me why has XXXX XXXX XXXX been ruining my life and tarnishing my financial credibility and have for 2 years all opportunities in my social advancements and all financial and monetary gain and will continue to do so for years to come? 
Experian would not even let me file a Dispute against XXXX only after I filed with XXXX  did they follow suit? 
XXXX XXXX XXXX had no phone number or email NO CONTACT INFO.. It has now been updated with a phone number and address
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account XXXX Open/closed Date opened : XX/XX/XXXX My rights were violated by company XXXX XXXX of XXXX XXXX SC back XXXX XXXX. This company was misleading to new consumers and being dishonest on their scheme of obtaining new customers to purchase vehicles. It wasn't ' until it was time for me to make my first payment when I realized I was deceived. The payment that they told me I would pay in office was different from the amount the finance company XXXX XXXX XXXX sent to me through the customer portal. Upon learning of this information I immediately tried to get out of the car. I was sold a XXXX XXXX XXXX but could not afford the payments, but the payment that they went over in the office with me was affordable. The finance guy with XXXX XXXX originally told me that my payments would be $ XXXX  monthly, but XXXX XXXX showed that my payments were over $ XXXX  monthly. I went to talk to the owner because I knew that I was conned .I also made the finance company XXXX  XXXX XXXX XXXX the dishonest process, but they just blew me off. They had recollection that XXXX XXXX was doing this to several other customers because they had been business partners for several years. It was in XXXX of XXXX when I asked XXXX XXXX to come pick up this vehicle as doing a Voluntary Repossession because the payments were unaffordable. The car sat at XXXX XXXX where the car was purchased from until the middle of XXXX XXXX XXXX XXXX intentionally didn't pick up the car until then so that they could report missing payments on my credit report. XXXX XXXX had continued selling cars until they went out of business in XXXX. I am glad that this company has went out of business, so that they won't be able to make anyone else life a nightmare as they have done mine. They're had been several complaints against XXXX XXXX prior to their closing for the lack of honestly, creating false and inaccurate documents with several customers. I have been a victim of a company who obtained business with misleading, dishonest and criminal intentions. 

I am asking for this account to be removed permanently from my credit report. This is still negatively impacting my ability to improve my credit to a higher score in hopes of being able to one day purchase a home and buy a brand new car. 

Sincerely, XXXX XXXX
Product: Mortgage

Fay Servicing LLLC has been taking advantage  of me and forcing me into foreclosure, They have recently withdrew my XX/XX/2023 payment from my account and now a few days later they sent me a later stating that I am behind on my mortgage, Please help me.
Product: Credit card or prepaid card

I paid off the balance and they continued to charge me an interest rate after the balance way paid in full. when I called them they said I paid it off late and I told them to close the account. their automated system is still calling me after I had them close the account.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX ny XXXX Todays date XX/XX/XXXX I have recently disputed this account it was updated but my request was to DELETE ACCOUNT NAME XXXX XXXX  ACCOUNT # : XXXX XXXX U.S. Code 1087e - Terms and conditions of loans 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION 15 USC 1681B - PERMISSIBLE PURPOSE Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet. DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT IT HAS BEEN ALMOST BASICALLY 30 days CREDIT BUREAUS FED LOAN IS IN VIOLATION OF THE FAIR CARES ACT LAW. This account was NEVER opened by me Iam a FEDERALLY PROTECTED CONSUMER of the USA as a consumer I demand this account to be DELETED PERMANENTLY ASAP. I have already made an identity theft claim thank you.
Product: Mortgage

On XX/XX/XXXX I filed a complaint about Wells Fargo. We have repeatedly sent all required documents documents for help during the pandemic which they say they never received. I was assigned a person who absolutely had no idea what she was doing. She never returned phone calls, she was never available. I filed another report through here reporting that person. And surprise my case was assigned to the same person who I complained about and continued to do absolutely NOTHING. I then filed a complaint through the office of the president I spoke to a woman XXXX. She assured me she would get to the the bottom of it. My case was then assigned to a women who NEVER gave me an extension to even get in touch with her. Today she called me to inform a letter was going out to me with them very good information " good, good good " information. Meanwhile no number to call her back. So I redialed my caller id and it's just a basic Wells Fargo number. She then called me again apparently it's protocol to call two times again leaving ABSOLUTELY no call back number. I get home from my husband having XXXX  XXXX to a XXXX XXXX package in my door telling the date has been extended to research all the issues. While all this was going on someone within Wells Fargo took it upon themselves to open a fake checking account in mine and my husband 's name. So I now had to contact fraud and file a police report. It's amazing how we were fraudulently sold a product to help with payments when my husband missed work. Fraudulently had bank accounts opened in our name. Filed complaint and the contacts never gave call back extensions. And this government agency which is just as much as. A joke continued to extend their time to " research '' everything. This agency is shameful, Wells Fargo is shameful and the person who " researched this '' yet could never give me an extension to get in touch with her is shameful, XXXX who works in the office if the president who promised to be in continued contact with me is shameful because she never called me once. The for letters of " research extensions " along with this last XXXX XXXX one is shameful it just gives everyone more time to figure out this lies. I can't wait to receive this letter of " good good lots of good information '' on there. Shame on you wells Fargo. Shame on this reporting agency. How about if you work for the office of the president and you say you will call someone back you do that. Or how if you are assigned a case you leave an extension so I can contact you. What a joke. I can't wait to take this story to my local news.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was notified that there was a collection by XXXX XXXX on my EXPERIAN credit report in the amount of {$3000.00} owed to XXXX and charged under my social security number in the name of XXXX XXXXI filed a police report with XXXX XXXX Police Department ( report # XXXX ) and indicted that I was willing to press charges against the individual if found. I also filed an Identity Theft Report with the Federal Trade Commission ( report # XXXX ). 

Copies of the police report, FTC report, Fl. Drivers license, Passport Bio page were submitted to Experian for investigation and verification. After investigation the credit reports for Experian was updated and the collection was removed. I have since locked all three credit files ; XXXX, Experian and XXXX. 

I assumed this was the end of this situation and departed the country as I do every year for 6 months. Upon my return on XX/XX/XXXX, I was surprised to see that once again there was a collection from XXXX in the amount of {$3000.00} submitted by XXXX  XXXX. I immediately called EXPERIAN and the collection was removed the same day. 

On XX/XX/XXXX the same collection reappeared on my EXPERIAN report. THIS IS THE THIRD TIME THAT A TWICE PREVIOUSLY INVESTIGATED FRADULENT CHARGE HAS REAPPEARED ON MY EXPERIAN CREDIT REPORT. What is going on over at EXPERIAN?
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 Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX {$710.00} 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 or other personal consumer reports

I appreciate the time the TransUnion did to remove some items I asked them to remove. However, I found that the negative accounts were still in reporting in my Credit Reports. And I have requested the Credit Bureaus to remove them along with the previous items in my complaint dated XX/XX/2023 and XX/XX/2023, but only TransUnion remove some items and XXXX remained unattentive of my request. Once more please see the items I listed below FOR REMOVAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$1900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00}.
Product: Mortgage

I sold my home and paid off the mortgage XX/XX/XXXX. No form was provided to change the address for an escrow refund I didn't know I would receive. They sent a check XX/XX/XXXX in the mail to my paid off home that they knew I sold. By XX/XX/XXXX it was not forwarded, and all attempts to change my address prior to that were unsuccessful, so I called. Address got changed and I asked them to re-issue the check. The rep asked her supervisor if she could put a rush on it and they approved it, so she said I'd receive the check NLT XX/XX/XXXX. I did not receive it, so I called. The same XXXX canceled the rush and the re-issue XX/XX/XXXX. I asked that since it would be into XXXX, well beyond XXXX days since the initial check was mailed and not received, that they again approve to overnight the check- this is not a small check, it's {$1300.00}. They assured me it would be overnighted XX/XX/XXXX. I am on the phone with them because they were supposed to send me a tracking number and I did not receive it. Once again I am being told they mailed the check in regular mail and denied the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Somebody used my social security and personal information to apply for credit. XXXX did a hard credit inquiry at TransUnion. The search showed up on XXXX XXXX and I call them and stopped the credit from being issued. Since then I have tried to get the account cancelled and have tried to get the inquiry removed from my credit report. I have done everything they asked including getting a police report. They have refused to cancel the fraudulent account and have refused remove the inquiry from TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX collection agency on my credit profile. This account has been released back to the original debtor in XX/XX/2019. Sent information to equifax that this account is now released back to the original debtor. However, until now this has not been updated. It shows that it is still open and unpaid. I have been with equifax almost everyday for the past month trying to fix this information but they still keep passing me around.
Product: Debt collection

I went to get a credit report from XXXX to apply to an apartment on XX/XX/XXXX. I saw that my credit score was over XXXX points lower than the last time I checked because I supposedly opened an account with XXXX MOBILITY on XX/XX/XXXX and owed {$1600.00} which was sent to Sequium Asset Solutions for collection. The problem is that I never opened an AT & T account at all. I called Sequium and they said they couldn't pull up my account based on the account number I could see on XXXX - XXXX - or my name. They said I had to give them my social security number. This seemed very suspicious to me and I refused. I asked to speak with a supervisor and they said I could not. They said I could give them the last four digits of my social which I did. They found my account. I confirmed that I did not open the account or give permission to anyone at any time to open any accounts in my name. They asked me if an email address was mine that used a variation of my name and it was not mine, which tells me this was a case of identity theft. They asked if I recognized an address which I did. They asked how long I lived there and what my current address was. They gave me a link to report fraud with XXXX XXXX XXXX. When I went to the link it also asked for my social security number and wouldn't let me submit my report without it. I did not trust this. I sent Sequium a certified letter telling them to remove this debt from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 18 missed payments from this company. 6 loans showing 3 missed payments each. I have never missed a payment and this is  reported incorrectly. I have filed multiple disputes with this company as well as with the credit bureaus with no response. During this time the company states I missed payments, I was currently enrolled into school which would have kept my loans in deferment. I have contacted the company for validation and help in resolving this matter with no luck. They are unable to provide me with an answer or validation.