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

I recently reviewed a copy of my credit report and I noticed that there were fraudulent accounts in my report. Please remove these accounts from my reports, Since it is hurting my ability to be able to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently pulled my Experian credit report and contacted the XXXX County to verify a BK that is reporting inaccurate information. They stated that this information is not reporting and any source that is saying they are able to obtain this information is falsifying information. I have recently put fraud alerts on my accounts due to this. Please review and remove the following on my credit report. Attached to this letter is proof that these accounts were deleted. Please follow suit and delete the accounts for accurate reporting. The must be deleted in order to show my true credit history. 

XXXX Court US BKPT CT WI XXXX Plaintiff Liability XXXX Asset Amount {$0.00} Bankruptcy chapter XXXX-dismissed Date Filed XX/XX/2012 Reference # XXXX Court XXXX BKPT CT WI MILWAUKE XX/XX/2012 Reference # XXXX Court US BKPT CT WI XXXX Plaintiff Liability XXXX Asset Amount {$0.00}
Product: Credit reporting or other personal consumer reports

Lexis Nexus with not allow me to update current personal information or delete false past inaccuracies on my report.
Product: Mortgage

My mortgage was recently transferred from XXXX XXXX XXXX to Freedom Mortgage. While at XXXX we made some additional principal payments which reduced the loan payoff significantly, and at the time of the transfer we had less than 170 payments remaining with a payoff date around XX/XX/year>. The Freedom Mortgage website does not take this into account and shows my payoff as XX/XX/year> and they said that they know its wrong but its just how their website is and they won't fix it. I also can not view the amortization schedule and they want to charge {$10.00} for me to view this information ( which will not even be correct since they don't know when my real payoff date is ). 

When I called, it took over 45 minutes and 4 transfers just to get to the right department who could not help. The website is full of junk ads for their affiliates and this company seems more interested in selling more services instead of servicing existing ones.
Product: Credit card

In a claim under buyer protection for loss they without explanation denied via letter a portion of the claim for {$75.00} for engraving claiming it is excluded in the policy. However, this is a one-piece manufactured item and is not separately assembled or otherwise put together for an outside source. They are totally wrong in denying the {$75.00} portion of this claim. First rep call went dead and no one called me back. Second rep was clueless and transferred me to another rep. Third rep - I requested exact language for denial and she quoted a section # but couldn't answer my questions so I asked for specific denial in writing with specific section numbers where they were claiming the exclusion.
Product: Checking or savings account

For some reason I have been scammed on XXXX from my account with US bank. I have 5 fraud charges two XXXX, one XXXX dollars, one XXXX, one XXXX, one XXXX I have no idea of those charges I called and dispute them with my bank they keep playing it doesn't matter what I tell them still not getting my money back. My account been compromise I need help getting those charges back.
Product: Vehicle loan or lease

I was on a 6 month settlement agreement with Capital One Car Financing, to pay {$610.00} a month for 6 months and my title would be given to me. It was set up on auto pay from my bank account. XXXX was the last month for them to take the last payment from my account. They evidently didn't take the last payment because they said that the payment was rejected because there was no funds in there. I didn't know they didn't take the payment until I received a call from them in XXXX stating I defaulted on my settlement agreement and I owe them {$3500.00} more dollars. At that time I explained to them that they made a mistake in assuming I didn't have the money in my account, so I faxed them my bank statement showing I had upwards of {$2000.00} in my account the month of XX/XX/2020. I also received my Title for the vehicle by the end of XXXX. And since XXXX they continously keep having people call me from their office stating that I can settle my balance of {$3500.00} with them, when I already settled my settlement agreement with them. If they never took the very last payment from my account, that's not my fault. It was setup as an auto-pay so I don't control that. It was they're mistake if they didn't take it out. But I keep being harassed and bombarded with phone calls weekly from their office.
Product: Credit card

On XX/XX/2023, XXXX of my credit cards were stolen from my locker at my local gym. My southwest rapid rewards card was fraudulently charged {$520.00} at XXXX XXXX XXXX and {$370.00} at The XXXX XXXX. I immediately reported it as fraud to Chase when I got the texts asking if they were fraudulent and they had canceled the transactions. Now today, I receive an email from Chase saying I am now responsible for the transactions because I received benefit from this transaction which is complete BS. I have another card that was stolen and used at a XXXX XXXX that same day and I got those funds refunded and canceled and I have no idea why Chase is deciding to be completely terrible about this situation. I should not be responsible for the $ XXXX fraudulently charged to my card.
Product: Checking or savings account

Schwab bank closed my Schwab Bank High Yield Investor Checking Account. I opened the account and was told to wait for my wife to become a joint owner of the account prior to depositing money into the account because this will affect how the debit cards are issued. My account was closed by Schwab. They claim they sent me letter, but I did not receive them.
Product: Credit reporting or other personal consumer reports

This morning, I noticed unfamiliar inquiries on my credit report and cant understand why theyre there. These discrepancies came out of the blue during my routine check, and refreshing the browser didnt resolve the issue. Im requesting that the submitted documents be thoroughly examined to prevent future concerns.
Product: Mortgage

QWR Notice of Error in response to letter dated XX/XX/XXXX In XXXX had to file a Chapter XXXX Bankruptcy case XXXX. On XX/XX/XXXX I entered and signed an agreement with XXXX XXXX XXXX XXXX to reduce the amount of my loan on by {$51000.00} to {$25000.00}. This agreement was filed on XX/XX/XXXX and entered into the Federal Bankruptcy court on XX/XX/XXXX Docket XXXX. Seterus failed to placed the {$51000.00} in the class XXXX claims and by not doing so was discharged at the confirmation of the plan. Seterus failed to adjust the loan to match docket XXXX asking for discharged debt on my monthly statements as " Interest Arrearage '' and in a payoffs. Seterus did adjust the loan on XX/XX/XXXX only after Seterus had violated the bankruptcy code and FDCPA. Seterus during the bankruptcy stay placed forced place insurance on the loan raising the monthly payment not to comply with Docket XXXX when in fact the property insurance was up to date and on file with the Bankruptcy court and only needed to be petitioned. Serterus in XXXX paid off a 3 year confirmed bankruptcy tax plan that per the confirmed plan under Class XXXX ; Claims for Real Estate Taxes the plan states that the payments were to be made according to the agreed tax payment plan between the debtor and treasure. Seterus did not let this happen paid them off and then demanded the amount in full.
Product: Credit reporting or other personal consumer reports

Keep seeing inaccuracies on my report. Keeps going away and coming back. Even accounts over 15 years old
Product: Checking or savings account

I spoke with a Wells Fargo customer service rep on XX/XX/XXXX over the phone to request closing my checking account. The rep stated they need to zero out my balance then submit a request via secured message to have the account closed. I logged into my account to make a bill pay to zero out my account on XX/XX/XXXX. On XX/XX/XXXX, I submit a secured message to Wells Fargo to request account closure. A prior account closure request submitted on XX/XX/XXXX was not processed. A customer service rep emailed me back this time and stated that she will close my account when the balance reached {$0.00} as the bill payment is still processing. I thought the account is already closed until I received a negative balance notice because of a {$10.00} minimum monthly fee charged by Wells Fargo on XX/XX/XXXX. I contacted customer service to asked for fee waiver due to the account closure request submitted in XXXX but they would not budge claiming it was not their error and I need to maintain a {$0.00} balance before they can close my account. 

Wells Fargo is putting in barriers to make it hard for me to request a bank closure sothey can earn bank fees. They did not process the account closure request as submitted on XX/XX/XXXX and charged a $ 10 monthly minimum bank fee on XX/XX/XXXX for having the account open. If the account was closed on XX/XX/XXXX as requested, there would not have been a $ 10 monthly fee. Wells Fargo established burdensome procedures for consumer to close their account in order to charge hefty bank fees.
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for a Capital One credit card online through a XXXX XXXX link. The site indicated a 7-10 day time-frame for a decision. On Wednesday, XX/XX/XXXX, Capital One contacted my son regarding my card application. My son nor his cell phone number were in NO WAY included on my application. My son does not live at my address. They called my son 's phone number to confirm that I had applied for the card. This is a clear invasion on my privacy. 

Before I knew about the call to my son, they called me and asked to me disclose personal information including last four of my SSN over the phone. I do not give out my personal information over the phone. I told them to cancel the application. 

After the call to my son, I called back the number that had called me XXXX. I was told that they the obtain information for various sources and that I was somehow connected to his number. That still did not give them the right to discuss my application with someone else. His number is under my husband 's plan, not mine, so they had to also obtain information on my husband to get my son 's personal cell phone information. We are a private family, and prefer to keep our financial matters private. 

Not sure if this conduct is legal, but definitely not ethical. I will not attempt business with this company in the future, and have a new card with another company.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent XXXX  lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and that tracking these transactions was unfeasible. The XXXX  findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/2022 I sent a XXXX letter to Experian Credit Bureau to remove my old addresses from my Experian Credit Report. My old addresses still appear on my report. XXXX tracking number XXXX. 

Experian stated they properly investigated my dispute, but how is that possible when all these old addresses still appear on my credit report. This grounds for removal, they also violated my rights under 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 an account with my written instructions.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX XXXX XXXX  ) ( XXXX ). ( XXXX  ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$120.00}
Product: Debt collection

XXXX. Pam and the XXXX of XXXX, XXXX XXXX XXXX XXXX illegally garnished my state taxes without suing me first and acquiring a court ordered garnishment. They took {$270.00} out of my XXXX state taxes as of XX/XX/XXXX and I finally received a notice on XX/XX/XXXX. 
XXXX. Pam and the XXXX of XXXX, XXXX XXXX XXXX XXXX never contacted me prior to illegally taking {$270.00} from my state taxes. 
XXXX. I did send photo id, notice, proof of sale and a statement to PAM at they requested on XX/XX/XXXX by mail. This has been refused just to delay the process. Since then I have received even more citations. 
XXXX XX/XX/XXXX I drove to the XXXX Police XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX and spoke with an XXXX XXXX XXXX XXXX who researched and pulled up proof of the sale and that the plates were cancelled. The plates had expired on XX/XX/XXXX and the XXXX XXXX XXXX was sold to XXXX XXXX on XX/XX/XXXX. 
XXXX. PAM who is associated with the XXXX of XXXX, XXXX XXXX XXXX XXXX, both make it impossible to try to correct incorrect parking citations by calling them, emailing them, and/or speak to any XXXX face to face.. I have had XXXX phone conversations where they have called me and a mail correspondence. I dove to the South Payment Center @ XXXX XXXX XXXX XXXX as directed by XXXX XXXX XXXX on XX/XX/XXXX. At that payment location I was told to call a number that is directed to XXXX with no way to talk with a person ( call made at XXXX on XX/XX/XXXX. 
XXXX visited XXXX XXXX on XX/XX/XXXX where he stated that the City of XXXX, XXXX of XXXX XXXX XXXX not properly doing their job as I should not be receiving citations on this as my vehicle has a recorded sale in the system stating that XXXX XXXX XXXX XXXX owner of the XXXX XXXX XXXX and that my plates were expired. 
XXXX. Many of the citations are are on other vehicle and the plates are not valid not have been since XXXX. The plates have been stolen.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please remove these accounts from report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I notified Transunion credit bureau that the there were incorrect balances on my credit report for XXXX account and XXXX XXXXXXXX account in which my balances were paid off to XXXX dollars. After investigation was complete within 30 days, my credit score did not increase and Transunion fails to adjust my credit scores after balances are corrected and paid in full.
Product: Credit card

I have a Citibank Costco Visa Card, and because of my purchases, I have accumulated around {$140.00} in cash back on the card. Citibank states that I will lose my cash back if I close my account. That is not right. They should send me a check for those rewards.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of the fair credit reporting act many accounts have violated several of My rights. 
15 u.s.c1681 sec 602 a.clearly states I have rights to privacy.

15 u.s.c 1681section 604 a section2 it also states a consumer reporting agency can not furnish an account without my written instructions 15 u.s.c 16668 : a creditor may not treata payment on credit plan as lat for any purpose.

Remove these late payments and update these accounts immediately as u are in direct violation of several laws under the fair credit reporting act.
Product: Debt collection

This false debt on my credit report has been listed three times in different amounts owed from the same company. Your organization contacted GRANT MERCANTILE AGENCY and removed 1 of 3 filings. Why the collection company did not remove all 3 derogatory comments on my credit report at the same time for the same false collections amount is confusing. Can you please help resolve this matter?
Product: Debt collection

I have previously and currently been a victim of identity theft however there are items that are listed on all three of my credit bureaus that I am unaware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX are reporting that I have inquiries on my report that I have no knowledge of.
Product: Checking or savings account

I am a business man who sells groceries, there is this lady who came to my store said she needs to buy something and said her husband wants to send {$100.00} for what she got and I gave her my PayPal for the transaction, now its getting to my notice they disputed the transaction and I think they want to steal my money or goods PayPal just dropped me the notification and I think I want talk to help me out, Transaction id : XXXX
Product: Debt collection

Several phone calls to all my family members and released my personal financial situation, I tried to resolve by asking payment options they have threatened garnishment and said they are unwilling to assist with payment arrangements, I had to State I would need to contact my attorney if they continued but then they wouldnt comprise at all, they call several times a day, use different names for myself that are not my last names and calling several people in my family XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

30 Days ago I was informed by my credit tracking applications that I had new reports on my credit report. I went to see them, and I found 8 different accounts from Navient had gone delinquent. I had no knowledge of these accounts, and was never once informed that they needed to be paid. Up until this point, I had never missed a credit card/car payment/student loan payment in the entire length of my credit history. I called Navient, and they pushed me hard to forbearance, and told me that the accounts should be pushed to current and that all past due payments would just be added to the balance and negated. Today I had called them to do a follow up to see why the accounts were just marked as current and not fully removed as late, and they told me they would not be able to remove them from my credit report. When it comes to the loans, they had never tried to contact me once besides them stating that they had sent emails reminding me of the payment due. My phone number was correct and never changed, and they had the right contact information for my mom as well as myself. The address was also correct for the both of us. They had said that due to me being enrolled in " paperless '' they had never tried any other method of contact. Thus my accounts being delinquent and late has crushed my credit score when I was completely unaware of the fact that any of these payments were due. If I had, I have more than sufficient income to make said payments, and would've happily done so as you can see with every other account in my name including other student loan accounts.. They also informed me that it is my responsibility to keep them up to date with current information, meanwhile the only information they had wrong/ever chose to contact me through was an email address that was wrong and I no longer have access to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is falsely reporting inquiries that shouldnt be on my credit report. My inquiries were removed and then reinserted without a 5 day notice given to me ( Which is a FCRA Violation ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have request that my freeze be removed permanently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have update my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all Security freezes at once.
Product: Credit card

I filled out a credit consumer application with Wells Fargo from the offer of the company website and extended my credit to them and was denied my own credit of {$1000.00}. According to law this is discrimination, securities fraud, violation of the equal credit opportunity act and the consumer credit protection act. I have asked the company to retract my application and they have refused to do so. They have obligation to credit the account for the amount of value that they are receiving upon the tender of the application stated in XXXX
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit 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 21 days before the payment due date. I was not notified in the time frame. 
1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Account was paid XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX  XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX