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

My credit is showing XXXX on other credit areas its showing XXXX XXXX!! I need this fixed asap!! I only have a car loan and loan through my bank and thats it!! I got everyThing else paid off!! 
I have been paying credit pros but it seems like that has been a waste of money!! Im very frustrated at this point!! 
Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

6 mos. ago, I had looked at my XXXX credit report and found, along with the other 2 major reporting agencies, that someone had been putting bogus and illegal and fraudulent info. on my report. I tried to dispute this with all 3 credit reporting companies and they not only would not remove all the wrong info., what they did remove is now back on and they will not allow me access anymore. I found out by XXXX sending me an updated report the other day. Why are you not correcting this fraud that the credit reporting companies do? Why are they not getting consequences for their actions and ineptitude? Why do they allow anyone more access and changing ability to MY name and report than I have, or am able to do with MY report and name? I can file a suit with the courts myself, but why should I have to? Come on ... ... .make the laws work an stick like you 're supposed to!!!
Product: Mortgage

On XXXX XXXX, 2015, I filed the paperwork to start a chapter XXXX bankruptcy and advised Select Portfolio Servicing and XXXX XXXX XXXX ( trustee handling the foreclosure action ). Without getting a relief of stay, the foreclosure sale was rescheduled to XXXX/XXXX/2015, which is a violation of the stay. Both SPS and XXXX sent letters advising the sale was rescheduled. The sale should have been cancelled, since all foreclosure activities are supposed to cease, and the trustee 's sale ca n't be reset until after the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am aware that I have rights protected under the Fair Credit Reporting Act ( FCRA ) and I believe it is imperative that I share this information with you. I have discovered a very easy, clear, and concise violation on one my accounts. On my credit report, I see many inaccuracies being reported. I will attach the section of my credit report so you can view the erroneous details. 

Account Name : XXXX Account # : XXXX Inaccuracy # 1 : Account Status : " Derogatory '' for XXXX and XXXX XXXX however shows " Paid '' for Experian Inaccuracy # 2 : No. of months ( terms ) : 9 months for XXXX and Experian, but 0 months for XXXX Inaccuracy # 3 : Payment Status : " Collection/Chargeoff '' for XXXX and XXXX, however " Unknown '' for Experian. 

Inaccuracy # 4 : Date Last Active : 3 different dates. 
XX/XX/XXXX for XXXX XX/XX/XXXX for Experian XX/XX/XXXX for XXXX Inaccuracy # 5 : Date of Last XXXX for XXXX and Experian, however XX/XX/XXXX for XXXX This information can not be accurate if I'm being provided with different data from each credit bureau.
Product: Credit card

On XX/XX/2023, I noticed three unauthorized charges on my Bank of America credit card : {$190.00}, {$190.00}, and {$50.00}, all associated with a XXXX XXXX in XXXX, NC. I have never been to North Carolina and did not authorize these transactions. I reported all three charges as fraudulent online and received immediate credit. 

However, on XX/XX/2023, I received a letter from Bank of America stating, " The merchant provided documentation confirming you received the merchandise or service, '' and subsequently, I was re-charged {$190.00} as an adjustment.
Product: Credit card

I've had purchases with promotional financing with XXXX and XXXX months no interest. I have been paying extra every month to be able pay the amount in time. But to my surprise, XXXX of the purchases that is supposed to be paid for in XXXX months, the amount was somewhat preserved. When I noticed it XXXX months before the due date, I called them and asked for an explanation why the amount was still intact. The person I spoke with was not able to give me an explanation except saying, '' yeah, I know what you meant ''. Then the next bill they tried to touched the amount for a little bit. Then the deadline came, I can not pay the whole amount which is too big and it incurred an interest of {$1200.00}. The purpose of me purchasing it with promotional financing is to be able to pay it slowly. But with them preserving the whole amount for XXXX months, is not right. I called them after the interest was posted and was told that the only solution is to pay the whole amount, which I can not afford. 
I attached some documents here from the bill.
Product: Credit card or prepaid card

In XXXX of XXXX Discover Card increased my credit line to double the amount of the original line. I have not missed any payments and set up automatic payments. I have had the card since XXXX never had unresolved issues. Now out of no where they have violated my consumer and constitutional rights demanding my personal non-public information and using a third party credit agency XXXX to do so. I called to resolve the issue and two different customer service representative stated the only way to continue to use my card was to comply and hand over my tax returns. I am deeply offended and injured emotional and physically not having access to my own credit now that they froze my accent and will terminate it by XX/XX/XXXX if I do not comply. The is a grave injustice and deep over steeping of boundaries and deprivation of my rights. I demand immediate relief and Arbitration as I will be contacting the Attorney General, Securities Exchange commission, IRS and the OCC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint in XXXX for XXXX XXXX XXXX and it has not be responded too. I have sent letters to XXXX XXXX XXXX and to all 3 credit bureaus and have not received a response. It is obvious this company is committing fraud and list erroneous things on my credit reports. 

My initial complaint is as follows : In XXXX on XXXX  I refinanced my home loan from XXXX XXXX XXXX to a new lender, XXXX XXXX XXXX XXXX. My closing date was set for XX/XX/2XXXX  and payment for payoff was sent to XXXX XXXX XXXX  on XX/XX/2023 ( a XXXX  ) via a wire transfer. XXXX XXXX XXXXXXXX sat on my payment for almost 2 weeks and listed my payment for the month of XXXX as " Past due over 30 days '' on my credit report. That erroneous status has dropped my credit score of over 150 points. I have attached documentation from my closing disclosure that shows when the payment was sent. I has also attached my conversation with my new lender that shows the payoff amount was sent when it was. It seems as if XXXX XXXX XXXX is practicing some shady business as a vendetta for loss of business. I am not sure if this was a mistake on their part or plan to ruin my credit since I took my business elsewhere. I would like the status of " past due over 30 '' and the late payment removed from my credit profile ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a legal XXXX XXXX. After residing outside the U.S. for over 17 years I returned permanently in XX/XX/XXXX. I attempted to purchase a phone with my name and social security on credit and my brothers credit took a hit. I attempted again to obtain a XXXX  XXXX store card and again my brother took a hit and I was again declined. XXXX XXXX wrote me on XX/XX/XXXX and informed they were unable to confirm my identity. The provided links to the 3 agencies and I contacted them all. Through XXXX XXXX I was finally able to confirm my XXXX XXXX soft hit and a zero credit rating with XXXX XXXX. I contacted Equifax and XXXX  by phone and via fax provided copies of valid drivers license and social security card. Equifax replied by mail on XX/XX/XXXX and stated they were unable to locate a credit file for me because of 3 reasons that all applied : quote - You may not have a current file - You have not applied for credit recently - You have not actively used credit in the past 10 years. I took this to mean as in the other two agencies, I had a zero credit rating upon which I could start to build. However, on XX/XX/XXXX I received a letter from XXXX XXXX in response to my attempt to open a checking account online to facilitate direct deposit of my salary stating I was declined specifically in response to an Equifax credit score dated XX/XX/XXXX of XXXX, Contradicting Equifaxs correspondence of XX/XX/XXXX. Obviously they are still reporting my brothers information and preventing me from opening a bank account, obtaining and building credit and ultimately being able to facilitate my employers requiring a method of direct deposit forcing costly alternatives such as check cashing services. I am appealing for your assistance as legal services are equally costly and time consuming.
Product: Credit card or prepaid card

Recently my XXXX XXXX VISA account was purchase by Barclays MasterCard which now holds all the records for the account. I believe they also have the authority to withdraw my monthly charges from my bank account. When I received my new Master Card XX/XX/2021, I activated it and visited their website to check on my account. I found that there were two recent charges made to my VISA account now showing on the new Master Card account from a merchant named XXXX XXXX : XX/XX/2021 - {$150.00} XX/XX/2021 - {$170.00} I attempted to contact the customer service number listed on the Barclays Mastercard, XXXX, the same day but was left on hold until the battery on my phone died, over 1 hour. Later the same day I found a way to lodge a dispute on their website which I did, but to date, have had no acknowledgement from them so I continued to try to reach them by phone but never got past their recording that a " relationship manager '' would be right with me. 

I was able to e-mail the merchant involved, XXXX, which immediately acknowledged my complaint, advised me that another charge had been made on the account on XX/XX/XXXX, for {$17000.00} and offered to refund the unauthorized charges if i could not get the credit card company to reverse them so I continued to attempt to make contact with Barclays Master Card on a daily basis. Finally on Saturday, XX/XX/XXXX, after holding for another 45 minutes, a relationship manager, XXXX, took my call. After reviewing my account, she seemed to understand which three charges were unauthorized and agreed to void the new Master Card account, open a new one dropping the fraudulent charges, adding three authorized charges, and send me a card for the new account. Received the new card on Monday, XX/XX/XXXX, but according to their website the unauthorized charges had not been dropped although the charge from XX/XX/XXXX, XXXX have been reversed. I have not activated the card. On XX/XX/XXXX, I receive a paper statement indicating that I must pay the {$570.00} dollar balance by XX/XX/XXXX. Of that total {$510.00} of the charges were unauthorized. 

Yesterday, using Barclays online service, I updated my claim regarding the unauthorized charges including the one from XX/XX/XXXX. I have still received no acknowledgment from the of either of the claims. 

While writing this claim I have been on hold with Barclays for another 45 minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft this is so unbelievable someone has hack into my personal information. 
and open fraudulent Accounts and its seem as if they are applying for credit and shopping for a car please help me resolve this situation every account on this report is fraud
Product: Debt collection

On XX/XX/2022, I consumer XXXX XXXX sent NAVY FEDERAL a debt validation letter, impeding on my ability to exercise my rights to validate this debt. This letter was sent via certified mail with the tracking number : XXXX. I previously asked for an audit trail of this account in which NAVY FEDERAL failed to comply. NAVY FEDERAL sent me a written correspondence instead, stating the debt was valid. Only a consumer can validate a debt and NAVY FEDERAL is preventing me from the ability to validate the allege debt.
Product: Mortgage

Lakeview Loan Servicing LLC/ XXXX mortgage company has taken payments for homeowners insurance out of my escrow account 3 times over the past 3.5 weeks ( dates XX/XX/2020, XX/XX/2020, and XX/XX/2020 ). There should have been only one payment taken out for the amount of {$990.00} on XX/XX/2020. Instead, the total amount taken out was {$2900.00}. They paid the wrong insurance company twice and then took another payment out before replacing those funds. I was told that all funds would be reimbursed to me by XX/XX/2020 ( one reimbursement would be made no later than XX/XX/2020 & that the other would be reimbursed no later than XX/XX/2020 ). As of today, they have replaced only {$990.00}. I am still owed {$990.00} back into my escrow account. I have been back and forth with Lakeview Loan Servicing , LLC at least 5 times since XX/XX/2020. I am attaching the payment history on my account to this email. Please note that I was also told numerous times that they could not guarantee that my monthly mortgage payments would not go up while this was all straightened out, which is completely unacceptable since this is a self admitted error by XXXX. My account number is XXXX. My name is XXXX XXXX XXXX. Address is XXXX XXXX XXXX XXXX, AL XXXX.
Product: Credit reporting or other personal consumer reports

Please see attached docuasfments. Do not close this complaint stating it is not me. I am a natural pefsrson and a consumer.
Product: Vehicle loan or lease

I had a auto loan through Wells Fargo Auto that was satified through a Chapter XXXX bankruptcy that was dischsrged in XXXX 2017. Now the commpany is reporting the status of the account as derogatory even though it has been satisfied.
Product: Debt collection

I have medical debt. I do not dispute that. I offered a payment of {$50.00} a month and the gentlemen I spoke to stated that was not sufficient and stated they could not accept that low of a payment. I stated that is all I can afford. I even stated to him are you refusing to accept what I am offering. He stated he could take the payment but they are going to still garnish my check. I stated that if they do that I am going g to lose my house. Then basically stated that they are allowed to take 25 % of my income. The agent was threatening and smug. I don't feel any amount offered on a regular basis should be denied and action to ruin someone life because they don't want to accept what XXXX  be given.
Product: Credit reporting or other personal consumer reports

**Version 1 : Professional and Formal** I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - Account # XXXX Balance : {$180.00} In accordance with the Fair Credit Reporting act Account # XXXX, has violated my rights. 

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 XXXX XXXX XXXX Account # XXXX Balance : {$140.00} In accordance with the Fair Credit Reporting act Account # XXXX, has violated my rights. 

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 XXXXXXXX XXXX XXXX- Account # XXXX Balance : {$140.00} In accordance with the Fair Credit Reporting act Account # XXXX, has violated my rights. 

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 XXXX XXXX XXXX- Account # XXXX Balance : {$1900.00} In accordance with the Fair Credit Reporting act Account # XXXX, has violated my rights. 

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 XXXX XXXX XXXX  Account # XXXX Balance : {$100.00} In accordance with the Fair Credit Reporting act Account # XXXX, has violated my rights. 

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 XXXX XXXX  XXXX Account # XXXX Balance : {$150.00} In accordance with the Fair Credit Reporting act Account # XXXX, has violated my rights. 

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 XXXX XXXX XXXXXXXX. Account # XXXX Balance : {$1700.00} In accordance with the Fair Credit Reporting act Account # XXXX, has violated my rights. 

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 XXXX. XXXX XXXXXXXX Account # XXXX Balance : {$370.00} In accordance with the Fair Credit Reporting act Account # XXXX, has violated my rights. 

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
Product: Credit card or prepaid card

I was using the American Express Blueburd card. On XX/XX/2019, at XXXX XXXX, I got my daily balance stating I had a negative dollar balance, which I didn't realize was possible since the last place the card was used was at XXXX, where I swiped the card, and the remaining balance was removed, and I paid cash for what was left. XX/XX/2019, I received an email staring that my account had been frozen, because they reviewed my account and believe that I violated the terms and conditions, a refund check would be sent out, and if I had any further questions, I could write a letter and send it to a po box in GA. On XX/XX/2019 a refund had been issued to my account bringing my balance to {$100.00}. Every day at XXXX, I still get a balance text telling me this XXXX is in my account. When I call, the automated system tells me my account is permanently suspended, and then hangs up, and I get an email identical to the original email. I wrote a letter, and have received bo response.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been since long time ago, about XXXX to 4 years ago that i have submitted inquiries to get removed from my credit report without my authorization and none of the creditors had taken action and my credit score it is really bad due to the crazy amount of inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX/XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX Owed : {$5000.00} ; XXXX  XXXX Balance XXXX XXXX {$3900.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$200.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

I've contacted XXXX and Trans Union on several occasions on why I am not an authorized user on my wife 's XXXX credit card account for XXXX dollars. The account is not reporting to Trans Union, XXXX said to me that they have been reporting to Trans Union, but Trans Union is not making any changes, Trans Union play 's the blame game and said it's XXXX fault, I honestly believe if this was reported accurately, I would definitely have a higher credit score. I've exhausted all my options and I need some help please, This account is reported to XXXX and also XXXX with no problems at all.