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

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : REMAINING ITEMS : Late Payment 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone fraudulently used my XXXX XXXX card. After I became aware of the fraudulent charges I contacted XXXX XXXX. XXXX XXXX reversed the fraudulent charges, fees and interest in XX/XX/XXXX. XXXX XXXX corrected the account status except for the months of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  continues to report the account was 30, 60 and 90 days late for those three months. Prior to the fraudulent activity on my account my balance was {$0.00}. After XXXX XXXXXXXX corrected my account in XX/XX/XXXX, my account balance went back to {$0.00}, I did not owe any money to XXXX XXXX for the months of XXXX, XXXX or XX/XX/XXXX, it was all fraudulent charges. I have sent XXXX ( XXXX ) letters to XXXX XXXX attempting to get the reporting of XXXX, XXXX and XXXX of XXXX corrected along with credit bureau disputes. XXXX XXXX  in every identical letter has refused to correct the reporting error. I called XXXX XXXX XXXX ( XXXX ) times about the matter and spent at least XXXX hours on the phone in total. XXXX ( XXXX ) times I was told it would be corrected. Then I would get another identical letter stating they were correctly reporting the status. On the most recent call, I spoke to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who told me that even though I did not owe the money shown on my statements for XXXX, XXXX and XXXX of XXXX, the reporting of XXXX XXXX XXXX XXXX XXXX XXXX would remain as I did owe the money even though it was a result of fraud and corrected in XX/XX/XXXX. She was extremely rude and was treating me like XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX attempting to deal with XXXX XXXX. I was told by XXXX XXXX not to pay and was issued a new account and card yet Capital XXXX wants to show I was late for XXXX, XXXX and XXXX of XXXX. Its crazy and like talking to a post when I call XXXX XXXX. As I previously stated, I spole to employees in the Credit Bureau Resolutions department twice and was told it would be resolved only to receive a letter in a few days telling me they are reporting it correctly. While speaking to XXXX in the XXXX XXXX XXXX XXXX on XX/XX/XXXX, he said he understood the problem and said he would be offline for a minute or XXXX to correct the error. After XXXX minutes the line went dead. Please help
Product: Credit card or prepaid card

On XX/XX/XXXX, I accidentally sent money with XXXX to Elan Card Member Service instead of my XXXX XXXXXXXX card. The payment was {$1500.00}. I noticed the error on XX/XX/XXXX. I immediately called Elan @ XXXX to correct the payment. I visited with XXXX. She saw the credit on the card and said she would begin the process to return the payment to XXXX. She said it would take just a couple of days. I did not receive the credit back so I called XXXX on the XXXX XXXX. I was on hold for over 2 hours to talk to a representative. Just to have them tell me they could do nothing to help me to get my funds returned. So I again called Elan. XXXX told me there was nothing she could do. I would have to wait 19 days for an investigation to see if they would return my funds. I do not have a balance on this card. They have a credit for the amount sent. I asked how they could keep my money when they knew it was sent in error. She said it wasn't her problem. I would have to talk to a different department and she hung up on me. So I tried to file a dispute with XXXX XXXX XXXX XXXX  to help me receive my funds. They denied my dispute. It is now the XXXX of XXXX and I still have no idea if or when I can expect to receive my funds.
Product: Mortgage

I have a loan with a company calle d Loancare. They  have turned me into the credit bureau twice in 6 months due to payments not being posted on time. They have also automatically changed my payment amount due to insurance review even though my insurance company has actually charging less. They dont process the payments when they get them so they are putting late charges on my account when the money is in. I am not the only  one out  there that they are doing this to. There are many websites of this happening to many others with exactly the same story. I have been on the phone with the m 20 times and they actually have hung up on me many times when they can not answer my questions. My credit score wa s  XXXX  before they bought my loan and since then it has dropped to  XXXX . I want to refinance but since my credit dropped i wont get the 3.5 % interest rate so maybe this is how they keep their customers. Please help.     Thank you  XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX  # XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX XX/XX/XXXX To Whom it may concern, I recently challenged the validity of XXXX XXXX XXXX account thats being reported on my most recent credit report. Upon challenging this, XXXX and XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately. 
Best Regards, I have attached my ID to this letter.
Product: Vehicle loan or lease

Dear Fraud Department, I am writing to formally lodge a complaint against XXXX, a car dealership I recently purchased a vehicle from. I have encountered several issues that I believe constitute fraudulent practices and unethical conduct. 

Price Discrepancy : Last year, I found a vehicle listed on XXXX website at a certain price. However, when I went to purchase the vehicle, they quoted me a significantly different price, without any valid explanation or justification for the increase. 
Failure to Disclose Accident History : At the time of purchase, I was not informed that the vehicle I was buying had been involved in two accidents. This vital information was only brought to my attention when I visited a XXXX dealership to trade in the car, where I was told that the vehicles value was only {$25000.00}, despite XXXX having sold it to me for {$47000.00}. 
Unresolved Vehicle Issues and Denial of Assistance : After purchasing the car, I experienced a serious issue where the brakes failed just one month later. Despite the clear safety concern, XXXX refused to offer any assistance, and I had to cover the {$3500.00} repair costs out of my own pocket. 
These actions from XXXX are not only deceptive but also appear to be part of a larger pattern of fraudulent behavior. The price discrepancy, lack of disclosure about the vehicle 's history, and refusal to help with necessary repairs after the sale have caused me significant financial loss and undue stress. 

I request that the fraud department investigate this matter thoroughly and take appropriate action to prevent further consumers from falling victim to these deceptive practices. I am prepared to provide any additional documentation or evidence needed for the investigation. 

Thank you for your attention to this urgent matter. I look forward to your response and any steps that can be taken to resolve this situation.
Product: Checking or savings account

I purchased a money order from a grocery store in XX/XX/year> for XXXX dollars. I attempted to retrieve the money half a dozen times and the grocery store declined to honor the money order on several occasions even when speaking to the vendor over phone and receiving confirmation numbers and other sensitive information to release funds. I contacted the store twice in XXXX, 3 times in XXXX and XXXX more time in XXXX. I reported the issue to USAA. They did an investigation and declined to help me in my situation and were not transparent as to what they found in their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and tranunion are all reporting inaccurate information regarding a dismissed bankruptcy. I had send certified letters with only reply from XXXX  letting me know that the information is accurate ; I send a letter regarding how it was verified and no paperwork has been sent. Instead a copy of my credit report was mailed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX have not reported that rental amount that I owed as paid on my credit report. This was paid by Alabama rental assistance. I have documentation to show as proof. This was paid in 2021 in two installments first amongst was {$1500.00} and the second amount for {$1900.00}
Product: Money transfer, virtual currency, or money service

Someone accessed my account and transferred {$40.00} into a bank account that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the account XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. Experian is reporting the account number as XXXX while XXXX reports XXXXhow is this possible when all data should furnished should be the same? I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you.
Product: Money transfer, virtual currency, or money service

On Tuesday, XX/XX/2021 monies from Illinois unemployment that was scheduled to post into my bank account was instead transfered into a Wells Fargo account. I have never banked with this banking institution, so I am confused as to why a deposit with my name can go into an account that does not have my name on it.
Product: Student loan

Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : 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  has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that XXXX  % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Statements of Facts.

We are asking you to take immediate steps to :

1. Approve all outstanding Borrower Defense applications for students who attended these institutions. 2. Discharge all loans associated with fraudulent practices, including consolidated loans. 3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and around XX/XX/XXXX I asked for an investigation on my consumer report it came it came back on XX/XX/XXXX with some of the accounts deleted but XXXX XXXX  was still present it did not have my original contract dates it did not have my original balance it did not have my payment history and it had been sold to a dead buyer this account appears twice on my XXXX account with XXXX XXXX XXXX and also XXXX  the account number is XXXX I have not received any written authorization to disclose my credit file the opening date is not accurate the last active is not accurate please delete this account so violated my rights to 15 USC 1681 section 604a section 2 the law clearly states a consumer report agency can not furnish an account without my written instruction also 15 USC 1681i section 61158 l I I it states that items are found inaccurate or can not be verified the consumer reporting shall be promptly deleted and the information from the file of the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am victim of identity theft and I am not a credit agency place
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed late payment inaccuracies that conflict with my reliable payment record. Please make the appropriate corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  reported I had a late payment in XX/XX/2022. 

My payment did not process due to my bank XXXX XXXX XXXX being bought out by XXXX XXXX XXXX XXXX  and a processing error. 

XXXX XXXX  did not honor that I had submitted a payment and reported to the credit agencies resulting in a much lower credit score. 

This is outrageous that XXXX XXXX XXXX said they would honor the old account number and did not, and is under current lawsuits in the state of Massachusetts and that XXXX XXXX  wanted to report to this as a late payment. 

This payment was not late on my part but a banking error.
Product: Mortgage

Payment was made to XXXX XXXX XXXX who transferred my loan to XXXX without notifying me of the transfer and on XXXX XXXX, 2015, I sent a cashier 's check from XXXX for {$6000.00} that was deposited into XXXX JPMorgan Chase by XXXX for XXXX XXXX Payor XXXX XXXX XXXX, property address # XXXX XXXX XXXX XXXX XXXX. Also, I made for {$2000.00} I took out of my XXXX XXXX XXXX via a Cashier 's check that was again deposited in JP Morgan Chase by XXXX for another deposit for XXXX XXXX payor XXXX XXXX XXXX, address XXXX XXXX XXXX XXXX, XXXX for a total {$8000.00} deposited in.XXXX XXXX account with me as the Payor.
Product: Debt collection

I received a notice that a new account has been reported on my consumer report without written permission. This adverse action has affected my ability to live in a new apartment. I never have done business with LVNV Funding LLC and i have never gave then written permission to post to my consumer report. I never received a notice in the mail that i could dispute this alleged debt. This account needs to be removed immediately from all consumer reporting agencies. My consumer rights have been violated by LVNV Funsing LLC not having the authority or right to post inaccurate information to my consumer report. Reported on XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting information on my credit report belonging to another person. Please see the attached copy of my credit report. ( I have also attached a copy of my social security card to verify my SSN. ) At the top of the credit report you will see my name XXXX XXXX - and in the section titled Personal Information you will see the name of a XXXX XXXX XXXX, D.O.B. XXXX. Continued throughout the credit report is information pertaining to XXXX XXXX XXXX. I have contacted the ( 3 ) bureaus to remove XXXX XXXX from my credit report however I have not had any success. This incorrect reporting is not only harming my credit score, it is a case of mistaken identity. XXXX XXXX has had issues with the police as well, as you can see by the attached police report. I was stopped by the police recently and when they submitted my information into their system, XXXX XXXX information appeared. I had to provide additional information to the police officer to prove that I was in fact who I say I am. This is a serious issue and I respectfully request it get corrected on my credit report and that XXXX XXXX information be completely removed.
Product: Credit card

I believe in XXXX of XXXX I requested for my Wells Fargo Secured Credit Card to be closed due to issues with Wells Fargo. Statement shows consumer closed account and this account was then charged off by Wells Fargo four months later, around XXXX XXXX. 
* Credit Reporting late payments on credit bureaus, If this secured credit card had a balance, I, the consumer, would not have been allowed to close my account. 
* Where did the $ XXXX balance come from if this was a closed account? 
* Normally, accounts must have a XXXX balance in order for the Consumer to Close an account. If account was closed by consumer, where did the balance that was charged off by Wells Fargo come from?
Product: Credit reporting or other personal consumer reports

This account is a matter of Identity theft. Remove from my credit immediately. Also the account has inaccurate and fraudulent information that does not mirror each other through the credit bureaus it is being reported by. XXXX XXXX Equifax Account # XXXX XXXX Account # XXXX XXXX Account # XXXX
Product: Debt collection

XXXX XXXX do not have a license or permit per the North Carolina Dept of Insurance to represent as a " Debt Collector '' in North Carolina. 

Therefore, I strongly request this company be removed from my Experian credit report, due to unauthorized communication, inaccurate payment reporting etc. 

In contrast, Experian refused to furnish documentation to the consumer ( me ) of their " physical '' representative results who investigated this concern. 

In conjunction, Experian & XXXX XXXX refuse to provide proof of a North Carolina debt Collectors permit under the NC. Dept of Insurance.
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 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 correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 credit reporting agency Equifax announced a major security breach in which personal data such as social security numbers, names, addressed, and credit history was leaked. According to Equifax 's own website my data was among the information that was leaked, but it is impossible to say for sure since Equifax failed to communicate adequately with people who were affected. Futhermore, they will not provide specific information on whether or not I was affected unless I agree to an arbitration clause ( which I did not ). Equifax knew of the data breach approximately one month before it was announced during which myself ( and countless others ) were at increased risk for becoming victims of identity theft and fraud. 

Equifax has not offered adequate solutions to this problem. Their offer of one year of identity monitoring is insufficient. The nature of the data that was leaked is such that lifelong credit monitoring will be necessary. This will come at significant cost to me since it will need to be arranged with all 3 credit reporting agencies. Equifax should be forced to cover the cost of a lifetime of credit monitoring and unlimited freezes/unfreezes with all 3 reporting agencies for anyone, including myself, whose data may have been released. 

Equifax failed to maintain adequate security measures. I would like to see legislation introduced to hold companies liable for data breaches with no limits on financial compensation to those people who are affected. Criminal charges should be pursued against those executives who divested their interests in Equifax before the breach was publicized.
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan was supposed to be closed out because the school was closed down and I was pulled out of class for purposes at the time I was unaware of the situation. I had just wanted to go to school
Product: Checking or savings account

On XXXX, I locked my card because I did not want anyone to use it. I kept the card locked and ordered a new card. I received the new card in the mail and wasn't able to activate it. I called customer service and they said my account was frozen ( XXXX ) XXXX and ( XXXX ) XXXX. It has been over 7 days and they still won't let me activate my funds. I need my money to eat immediately. If I can't activate the card that they gave me, they should reissue a working card. This is an emergency that I have access to my funds.If they have no available debit cards, they should expedite an issue me a Check for the remaining balance {$370.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX herby state the following : In accordance with the Fair Credit Reporting act XXXX  Account ( s ) XXXX  # XXXX ; and XXXX XXXX # 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.