23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I never withdrew any cash from my card and reported it as lost or stolen. Instead of removing the disputed items Capital one bank keep charging me interest for cash advances. After closing my account nobody willing to speak to me or resolve any issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX hello my name is XXXX XXXX XX/XX/XXXX I just received a letter in the mail from Chex systems stating that I owe XXXX bank {$4100.00} unpaid and have humiliated me when applying for XXXX banks and being denied this is truly defamation. just got off the phone with XXXX bank XXXX they said they don't have a transaction record showing me withdrawling a dime out of a check deposit of {$4100.00}, but is listed as account abuse and unpaid I need to be compensated for the humiliation and denials and traveling to and from banks getting denied I can't even co-sign for my XXXX son Please help I'm asking this be removed from my Chex systems report Sec. 623. ( A ) Reporting information with actual knowledge of errors.A person shall not furnish any information relating to a consumer
Product: Checking or savings account

On XX/XX/2022 two unauthorized atm withdrawals were taken from my account while I had my debit card with me. One for {$180.00}, the second for {$20.00}. This was after several failed attempts, I woke up to 8+ notifications of atm withdrawal attempts all for decreasing amounts until the two successful withdrawals totaling {$200.00} occurred.. This is all while I had the location services set on the banking app to always allow which the app promises as an added security feature and I was nowhere near the atm that was used to steal from my account. I contacted the bank, they did nothing to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on an auto loan account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

The account has been repeatedly updated as canceled every month. This is a payment history update. A canceled account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your negligence has violated my rights. I demand the deletion of the following account : The XXXX  XXXX XXXX account was closed XX/XX/XXXX, however, I never paid, this card was opened fraudulently, it was updated XX/XX/XXXX reported in collection / charge off, it does not report the number of accounts, the accounts in total are 2 accounts that appear with XXXX  XXXX XXXX/ both accounts appear/ charge of XXXX THERE ARE TWO ACCOUNTS ONE CLOSED ON XX/XX/XXXX UPDATED XX/XX/XXXX / last payment is reported XX/XX/XXXX I never opened this account, it was opened fraudulently / XX/XX/XXXX LIKE GHARGE OFF XXXX ALSO APPEARS LAST PAYMENT XX/XX/XXXX REPORTED XX/XX/XXXX XXXX XXXX APPEARS IN COLLECTION / charge off updated XX/XX/XXXX every month they report it as unpaid these accounts were opened fraudulently XXXX XXXX another account reported as closed XX/XX/XXXX collection/charge off Reported XX/XX/XXXX XXXX
Product: Mortgage

For the last 3 weeks Seller and title company have been trying to locate mortgage holder. No one has been able to help us or point us in the right direction. This loan was paid when they refinanced in XX/XX/2013and not satisfied. Mr . Seller is trying to sell the property before going into foreclosure, wife just passed and not getting anywhere with getting help with payoff OR satisfaction on this lien
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX wont remove all the negative items I am disputing that are not mine a lot of information is incorrect and it is a hassle trying to get them to remove these things. 
Especial this car from XXXX that is not mine that need to be removed! My father has the same name as me and racked a lot of debt in my name he is now in jail and I need to have these items removed!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I received a XXXX  days past due notification on my Credit Report for an account that was paid before the XXXX  days late. My payments are due on the XXXX of each month. I make sure my payments are paid. My payment for XXXX was processed on XX/XX/XXXX but the payment processed with my bank before my direct deposit hit my account, so my bank returned the payment and I understand upstart charges a {$15.00} ach return fee, Upstart retried the payment XX/XX/XXXX and the payment was made for {$94.00} ( monthly payment ) and {$15.00} ( ach return fee ) and both payments were successful. I had no knowledge of the {$15.00} Late Fee that was charged XX/XX/XXXX until XX/XX/XXXX when I got the notification and spoke with a customer service rep that verified I was XXXX  days late. Even though my account was current this company forwarded my account to a third-party collection agency for a {$15.00} late fee and reported to the credit bureaus that I was XXXX  days late even though my account was paid XX/XX/XXXX and current. When I called to resolve the issue, I paid the {$15.00} XX/XX/XXXX and I was told that I couldn't get the XXXX  days late payment removed from my credit report which I don't understand because my monthly payment was made before the XXXX  days late.
Product: Checking or savings account

Chase decided to close my account without providing a reason as to why. At first, I was upset but then I was promised by the phone representative I had spoken to that I would receive a check for the remaining funds in my sccount within ten business days. That was back on XX/XX/2019. I wanted until XX/XX/2019 past the ten business days and still not check. On XX/XX/2019 I received through mail a monthly bank statement that shows a Debit DDA - Check Charge for {$1000.00} the exact remaining amount I had in my account. When I called Chase again no one could answer my question about this charge or when I was supposed to receive the check for my remaining balance. It is now XX/XX/2019 and still I have not received the check for my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

all three creditors where not opened by myself XXXX in the amount of XXXX, XXXX XXXX XXXX XXXX i have lost very important information in 2010 my social security card my state id and my birth certificate all which can be used against me and im continuing to see accounts i havent personally open this has also been reported to transunion i will attach a police report for my lost or stolen identifications
Product: Credit reporting or other personal consumer reports

It is not belong to me. It is fraud! 
I strongly desire not to have this on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS IN VIOLATION OF THE FCRA. I have written to Experian on several occasions disputing the fact that the items they are reporting on my credit file are incorrect and do not belong to me. Experian has responded by sending frivolous letters and continues to state that they have verified the accounts. Let this be a formal complaint against Experian for continue to report fraudulent/incorrect and inaccurate items on my credit file, that are not mine. I have been a victim of identity theft and have made several attempts to dispute certain information in my file with Experian as the result of the crime. The items I am disputing do not relate to any transactions I have made or authorized. I have filed a police report with XXXX County Sheriff 's Office and provided Experian with copies of the ID theft report on many occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX last year, XXXX XXXX transferred our Loan Servicing to XXXX XXXX XXXX XXXX and we were on a 1 year deferrement which did not require payments and should not have been reported as late on our credit report. 

We have since then successfully completed our loan modification trial payments and the account should have been restated as a new loan with the old account information deleted or bought current based on the newly approved loan modification. We completed our trial payments in XX/XX/XXXX and all 3 of our Credit Reports needs to be updated as current. 

Our loan is not being reported correctly as stated in the letter issued by XXXX XXXX on XX/XX/XXXX, after I reached out to them to raise our concerns via faxed letter to their Customer Service Department in XXXX.
Product: Credit reporting or other personal consumer reports

I was notified about two inquiries on my TransUnion report from XXXX XXXX on XX/XX/year>, that I did not authorize. I ask that they be removed immediately.
Product: Credit reporting or other personal consumer reports

I have student loan debt of just over {$100000.00} and my current loan holder is XXXX. I work for a local government agency so when I applied for public service loan forgiveness in XXXX, my loans were transferred from XXXX to XXXX, this transfer was completed I XX/XX/XXXX and as of that point my balance with XXXX was and remains to be to {$0.00} since XXXX of XXXX. All of my student loans are being held by XXXX. The issue is that the credit bureau Experian is reporting each student loan TWICE, once from XXXX and once from XXXX, so each student loan is being reported, the same loan number and balance, so instead of my student loans showing as {$100000.00} it is showing as {$200000.00}. I have filed no less than XXXX disputes and they still insist that I owe XXXX the money. I sent them the statement from XXXX thqt shows my balance is XXXX and loans closed back in XX/XX/XXXX and I sent them the letter from XXXX that shows my loans were transferred to XXXX but EXPERIAN REFUSES to actually investigate or update the balance. They show no update past XX/XX/XXXX and refuse to. As you can imagine this has caused terrible issues with my credit score dropping XXXX points, multiple credit cards being closed or limits significantly decreased by 90 % with thr student loan balance being mentioned specifically. At this point I'm afraid that I will be homeless when it's time to renew my apartment lease as the hit to my credit score may disqualify me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft victim. XXXX and this stress has taken a toll on my XXXX due to identity theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX accounts they have reported several different amounts owed one account was a secured account in which they lie and say it wasn't they have been reporting false and incriminating information on my credit report for several years now and this site here y'all are here for nothing how do I ask for an investigation of a company and their wrong doing and y'all tell them to investigate the situation makes no dam since at all sure they are not gon na say they been reporting wrong information this is a sorry excuse for a company both y'all
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/23 transunion received a letter from me explaining and filing a complaint in regards to items that i deemed not to be mine. They have yet to respond and it feels as though they are taking my complaint lightly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is showing XXXX  days late for XXXX months. The account still shows open and has been paid off since XX/XX/XXXX. It still has a balance on the account. all of XXXX it reported me late and I have documents stating that I was current for that year. On my report it shows I was late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX the account was already paid off by then.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Applied for credit on XXXX to finance a vehicle through XXXX XXXX. XXXX At the XXXX XXXX in XXXX, they should have been able to pull the original approved application from XXXX. Instead they pulled my credit on their own, even after I made sure to tell them multiple times that I didn't want my credit to be pulled again. I also did not sign any consent to my credit to be pulled by the dealership. XXXX Asked the dealership why my credit was pulled. They said because I authorized XXXX XXXX, they could do so as well. They said they would not request the inquiry be deleted from my credit history.
Product: Consumer Loan

Tuesday, XXXX XXXX, 2016. getting these calls at my place of work, contacting my supervisor ; XXXX ( FILE # XXXX ( XXXX XXXX XXXX ) ; not sure who this is ; they say they want tos serve me legal papers at work ; scaring me and my husband
Product: Debt collection

On XXXX XXXX, 2016 I was receiving calls from my family members and friends stating that a XXXX XXXX was calling and leaving messages stating they needed to reach me. I then called the number that was left on my phone and was able to reach someone. This person told me this was in regards to a debt. I quickly pointed out that I had not received anything in the mail in regards to this debt. She proceeds to become very angry and keeps questioning me as to when I will be able to pay the money. I explained to her not until I received written verification and had an attorney looked at it. She continued to harass me, yell at me for wanting to have my attorney look at and verify this debt and not allow me to speak until I finally just had enough and hung up. I am very upset and feel violated and embarrassed as they called every single person I have ever come into contact with. To make matters worse I was never given the name of the debt collection company.
Product: Mortgage

This SCAM XXXX XXXX was suppose to be doing a no down VA loan. Then he tries to scam me out {$90000.00}. He logged into my bank and made false and misleading statements. He also did not want to do the loan because my realter is XXXX XXXX. This XXXX XXXX is a low life SCUM bag that is XXXX. He should have his license terminated.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 I called XXXX XXXX reguarding an unauthorized inquiry on my credit report that was pulled on XX/XX/XXXX during the purchase of my new vehicle at XXXX XXXX in XXXX Fl. I talked to XXXX and they said they could not do anything about the unauthorized inquiry. I'm looking forward to pursue deletion for an inquiry I didn't authorized
Product: Money transfer, virtual currency, or money service

In XXXX of this year my email XXXX was hacked and I started experiencing various different fraud events and identity theft. Part of that included PayPal. My PayPal account was fraudulently accessed in XXXX and there were multiple transactions of money being sent from this account as crypto and I did not complete these transactions. I was informed by an agent at PayPal agent who said that these transfers were sent BEFORE my bank authorized the complete transfer. There were attempts of transfers out of my credit union account but my credit union stopped them and ensured no funds left my account. PayPal sent the funds anyway and are now trying to collect the amount of {$120.00}. When these hackers took control of my email, I was not able to access it. So while this activity was being sent in emails to my email address, I did not see it until the beginning of XXXX and as soon as I found out, I called in and reported to PayPal [ CASE ID # : REF-XXXX ]. When I called back today for an update on this investigation, I was told that I am being held responsible despite not having anything to do with the events. PayPal has refused to do a thorough investigation and is now refusing to assist me with this event. I had nothing to do with these events or the negative balance and I am requesting a thorough investigation into this matter, to find that I am not responsible for this event/debt. 
I did not have control of my email account ( XXXX ) from XX/XX/year> until XX/XX/year>, which was used for the PayPal account. This is the email account used as the basis of the Identity Theft that I experienced.
Product: Debt collection

Ad Astra Recovery Services continues to send mail demanding payment for a debt that I never incurred.

Numerous attempts have been made to stop their harassment and collection efforts.

1. XXXX  has contacted the company disputing the debt - I never took out a PayDay Loan 2. Though I completed bankruptcy earlier in the year, Ad Astra NEVER took the information off the file though contacted by my attorney, the bankruptcy court.

3. And even though Ad Astra has marked the debt as payed via bankruptcy with the credit agencies ...

The company continues to send letters demanding payment for a debt that is neither mine, that has been noted via the bankruptcy court as paid off even though they never followed through with statements that the debt was never mine to begin with, and even after recent correspondence with XXXX  confirming these details continue to send threatening mail via the USPS.
Product: Credit reporting or other personal consumer reports

under the FCRA i am entitled to have one name and one address on my credit report. i am requesting that the name and address be reported on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX The following names and address should not be on my credit report XXXX XXXX XXXX XXXX. 
XXXX, MI. XXXX XXXX XXXX XXXX XXXX XXXX, Mi. XXXX XXXX XXXX XXXX XXXX 
XXXX, MI. XXXX Equifax has added this items to my credit report again as these items was removed before. Equifax has betrayed and harmed my credit report and fail to ensure an accurate credit report for me. 

I amseeking that all three addresses be removed from my credit report
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I woke up this morning to find inaccurate accounts on my credit report, and I have no idea why theyre there. Ive checked my report countless times before, but this time, out of nowhere, there were discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but nothing changed. The errors stayed, and now Im left feeling helpless. Im begging that the documents Ive sent are checked thoroughly so I never have to go through this again.
Product: Mortgage

On XXXX XXXX I found that Freedom mortgage placed my home up for foreclosure. We had not written notice or any where published this was happening, also no legally certified letter signed by myself or my wife which in Texas must be done, they did not we were not served certified notice. Also all communication must be done through there own PORTAL security email system we also were put on paperless billing statements, we never agreed to switch to this I always expected a snail mail statement. 

Yes we were in forbearance agreement until XX/XX/XXXX due to covid issues. I had to constantly contact them why i am still being charge Mortgage Insurance of {$130.00} a month when since in XXXX with loan modification which was approved we agreed to have a second lien of {$25.00} put into effect in the term of the loan. 
My wife many times communicated on phone that she explain my health issues, They still of the date only has said noted... The PORTAL is a joke, ; yes you can access your account but the chat line is automated AI you try to contact them by phone you are on hold over 30 minutes or longer then when i get through you never put through same agent and keep repeating my information bounced around then get disconnected or hung up on! Very unprofessional customer service. 
As of today XX/XX/XXXX I was disconnected after I am asking for more time before the auction on XX/XX/XXXX at XXXX : XXXX  My wife inquired about reverse mortgage in XXXX she turned XXXX, they said noted again never got back to her or email or letter she can see on the PORTAL The attorney XXXX XXXX XXXX XXXX Freedom mortgage attorney more helpful then Freedom Mortgage it self I did get long covid and explain my health and XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 2. The inquiry was not authorized XXXX, XXXX  Date of inquiry : XX/XX/2021 As A Consumer By Law This Inquiry Must Be Removed Immediately. 3. The following status is Incorrect and unverifiable XXXX XXXX Account Number : XXXX Delete this account. 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 As A Consumer By Law This Inquiry Must Be Removed Immediately. 5. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Delete this account. 6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX 8. there is some inaccurate information reporting. Account Number : XXXX Please remove it from my credit report. 9. The account status is unverified and incomplete Account Number : XXXX Please remove it from my credit report. 10. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

A check was deposited into my bank of America account that I didnt deposited. No money was removed from my account but I needed to report this to clear my name I am having a hard time clearing my name
Product: Credit reporting, credit repair services, or other personal consumer reports

my identity was stolen. attempts to charge merchandise from my debit card was made several times. Money from my savings account was transfer into my checking account. 
someone applied for credit card with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer report. The incorrect names are causing issues with my identity and there are several addresses listed that are not mine because none of the information is correct I am being denied credit due to it not matching. The credit bureaus assumed a role and under federal law they are required to report 100 % accuracy.