23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit and credit control company is showing like I have unpaid accounts {$290.00} and it was paid in full i have provided the receipt of payment below in the documents section this should be removed because its paid and closed yet its reporting open. You are not reporting accurate information it is law to report accurate information, in addition please remove all non account holder increase over 30 days old. Also please add a promotional suppression to my credit file under federal law you have 30 days to complete your investigation. 
XXXX XXXX ( credit control corporation ) And all hard inquires over 30 days old
Product: Checking or savings account

It's been known for some time that BBVA was going to acquire Simple, but the process has been anything but seamless. XX/XX/2021 marked the day of the transition and since then, I, along with many other ex-Simple customers, have been locked out of our accounts. The prompt is to call customer service, but after staying on hold and hearing a dial tone, the line gets immediately cut. Many other customers are experiencing the same thing. This has been going on for four days now and I have no access to my checking account, can't check my balance, and can't receive or send money.
Product: Credit reporting or other personal consumer reports

I did not authorize XXXXXXXX XXXX Inquiry Date XX/XX/202XXXX XXXX XXXX XXXX, Inquiry Date XX/XX/2023 XXXX XXXX XXXX Inquiry Date XX/XX/2033 XXXX XXXX XXXX inquiry Date XX/XX/XXXX  to run my credit, this information is incorrect.
Product: Debt collection

My name is XXXX., and I sometimes get up to XXXX XXXX XXXX cellphone calls and ( XXXX ) voicemails ( XXXX contacts altogether ) each day, from XXXX. I do n't know these people, and I do n't owe these people. They call me all day long, even when I 'm in the middle of conducting lectures with my college student 's, and It 's driving me crazy! 

I told them earlier today that I would turn their information over to the FBI, and I am starting first with your agency. 

If you have any questions at all, please contact me on my cellphone at XXXX, or by email at XXXX, and I will assist you in any way possible. 

Ever grateful, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquires on my credit report that I did not authorize. I have asked that this incorrect information be removed. 
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 XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me and should be removed from my report asap. 

Account name XXXX XXXX XXXX Account XXXX XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$120000.00} Highest balance {$0.00} Terms 66 Months
Product: Credit reporting, credit repair services, or other personal consumer reports

There Are Several Credit Inquiries On My Credit Report. I Have Sent Multiple Letters To The Companies Requesting Proof And Explaining I Didn't Authorize A Credit Pull. Experian Has Been Notified Several Times About These Issues And They Still Remain On My Credit Report.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX 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. XXXX XXXX XXXX Is reporting on XX/XX/XXXX I opened the account The account is closed and was paid off never late however, they are reporting late payments the Account was closed XX/XX/XXXX of XXXX on XX/XX/XXXX The account was updated on Equifax I have XXXX late payments XXXX late payments in XXXX and XXXX late payment in XXXX Then on XX/XX/XXXX of XXXX my XXXX XXXX was recently updated Stating that I have too late payments In XXXX and XXXX payments in XXXX nothing reported on XXXX XXXX XXXX XXXX  Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. 

Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act.

Enclosed are the following : A copy of my Identity Theft Report and Proof of my Identity A copy of section 605B of Fair Credit Reporting Act, which requires you to block the Fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, I made a {$100.00} payment to my XXXX XXXX, brining my balance down to {$1100.00}, however, they continued reporting the previous balance of {$1200.00} through the entire month after XXXX, despite the close date being XX/XX/XXXX and the payment being posted to my account. I filed a dispute with XXXX and they corrected the balance to {$1100.00}. On XX/XX/year>, I made a payment f {$150.00}, followed by an additional payment of {$300.00} on XX/XX/year>, bringing my statement balance down to {$760.00} which displays on my XXXX statement. They reported the balance of {$760.00} to XXXX on XX/XX/year>, however, on XX/XX/year>, they re-reported the balance to XXXX, increasing it to {$1100.00}. 
Their actions have caused me harm. The continued XXXX XXXX XXXX XXXX, falsifying balances and payment history has made it impossible for me to secure a home loan and placing me in a position of being homeless by the end of the year. 
Furthering frustrations- XXXX XXXX system doesn't allow you to set-up autopay. Their system has been " down '' for more than XXXX years. I have called their customer service line for assistance several times with no action being taken. This is my only bill NOT on auto pay. They do not send out payment reminders or invoices. I have multiple commenity cards and this is the only card that can not accept auto pay.
Product: Mortgage

Ocwen Loan Servicing received my loan in XXXX XXXX XXXX XXXX Ocwen representatives told me not to make a payment or it will be returned because I was in default. This was impossible because my mortgage was paid up to date and I had to track the location of my mortgage. It was transferred from Homeward to XXXX to Ocwen. After many attempts to correct this and attempts at refinancing to keep my house in play, I eventually I acquired an email in XXXX from Ocwen 's ombudsman stating that I was not in default XXXX XXXX but they could find no recording of their representatives stating their instructions to not pay. However, I have made recordings. My mortgage has not been accepted since then and now Ocwen has attempted to foreclose on my property several times by adding inspection fees, late fees and reporting to the credit bureaus. The fees have added up and the stress is debilitating. When I wrote a letter to Ocwen through Ocwen lawyers threatening to report Ocwen with the recordings to additional authorities and law enforcement authorities. Ocwen had a lawyer contact me to settle with me but the aspects of the proposed settlement benefit Ocwen only. They acted as if they had done no damage to me nor to my account. Ocwen must be stopped and made to remedy their thievery. 
I will pose again to our State and Federal agencies, that Ocwen be investigated as an internal XXXX XXXX threat.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT OF ED/XXXX, USDOE/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries ( 2 total ) that appear on my Transunion credit report. These inquiries are unverifi ed, and I did notauthorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights uner the Fair CreditReporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account is incorrectly reporting missed and late payments. This is incorrect Accounts is closed and paid in full creditor is still reporting this incorrect information. XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX is reporting a late/missed payment, this is incorrect, and account is paid in full. Creditor is still reporting incorrect information. XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX/XXXX is reporting a late or missed payment this is incorrect, account is paid in full, date opened XX/XX/XXXX address XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX is closed and paid in full, but it is showing a missed payment this is inaccurate. XXXX XXXX XXXX XXXX OH XXXX XXXX/XXXX is paid in full and open creator is reporting a missed or late payment this is incorrect date opened XX/XX/XXXX address XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX is open and current, is reporting incorrect information missed or late payments date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX
Product: Debt collection

{$610.00} is the amount showed owed on my credit report as I am trying to repair my credit. I'm not aware of this debt and would like to receive a copy of original contract, signatures and bill with breakdowns of charges.
Product: Checking or savings account

Ive contacted Cash app. Cash app told me I have an account when I explained to them called them. Email them sent all kinds of documents to them stating I do not have an account with them and that will be my first time opening a Cash app account they still sent me an email saying this is linked to a terms and conditions that I violated. How did I violate anything when I didnt have a cash app account to begin with? Theres some fraud going on with Cash app because Ive never had a cash app account now when I go to open the Cash app account, it wont let me open because it says something is linked to my information and I dont have a cash app account.
Product: Credit reporting

I did n't report XXXX XXXX XXXX XXXX, XXXX, CA XXXX as one of my Address
Product: Vehicle loan or lease

I have recently paid off my truck loan. I have called 4 times to get my title sent to me. 
I have been told different things each time I call. I have explained that living in Illinois we are not a title holding state and they need to send me the title. I have not been able to resolve this by calling, and as of today they will not send out my title. I paid for this title when the truck was purchased, and expect the title to be sent. As of now, I have no title for a vehicle that has been paid in full, early, and I am unable to sell the vehicle.
Product: Checking or savings account

On XX/XX/ I received a phone call from someone from Wells Fargo with the correct phone number claiming to be from the bank. I gave my access number by accident. 
The person wire transferred {$5000.00} from my savings account and we notified Wells Fargo fraud department right away within 5 minutes of this transaction and we were told that they will investigate. We received a letter dated XXXX  and stated that they initiated a wire recall to attempt recovery of the funds but unfortunately the beneficiary bank responded that they were no funds available to return as as result they were unable to reimbursed me.
Product: Checking or savings account

last XX/XX/2020 i applied online CHECKING ACCOUNT in Citibank and they approved my application. then i setup my online access and passing al the verification after that i funded my account. XXXX DEPOSIT was made by on that date. the first DEPOSIT is thru my external Account the amount is XXXX the second is thru XXXX money transfer WITH transaction id number XXXX worth XXXX ; total {$3400.00}. i called them so many times but no update. i want my money back in my external Account that linked in my account in Citibank. 
DETAILS OF MY CITIBANK ACCOUNT INTEREST CHECKING NAME ON ACCOUNT : XXXX XXXX ACCOUNT NUMBER : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to.apply for a card and it ran multiple times Capital One
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Equifax permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

I am the spouse of the primary holder of a Discover credit card. I am an authorized user and for many years have managed the business of this account. Discover Card has written authorization from my wife and primary holder, on this account. However, Discover refuses to allow me to be a " joint holder '' because of " insufficient income ''. Not being a joint holder locks me out of important business matters regarding this account. This seems incredibly arbitrary and discriminatory to me. This has been on ongoing problem with Discover and recently has caused problems with the management and fees for this account.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX XXXX  ), Consumer Date of Birth : ( XXXX  XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX  ), credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX  ), a credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX  ), and a credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX with a balance of $ ( XXXX  ) that appears related to the aforementioned. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Received phone call at my personal cell phone number, saying the call was for me, and it was to resolve the debt of a third party and they needed my help getting in touch with the third party. I attempted to contact them to tell them not to contact me again but received no response and blocked the number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is a letter from XXXX XXXX for Trans Union, XXXX, and XXXX review. XXXX XXXX was unable to verify the accuracy of bankruptcy case number XXXX. XXXX XXXX is requesting for Trans Union, XXXX, and XXXX to immediately review the attached letter to this complaint and delete and remove the public record of bankruptcy case number XXXX from my Trans Union, XXXX, and XXXX credit report. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Product: Checking or savings account

Three failed separate ATM transactions occurred without my knowledge in the state of XXXX when I reside in XXXX XXXX State. My information was compromised although I had my debit card on my person the entire time. Bank of America decided to close my checking account without notice and a representative to speak about it with. I filed a claim and was told that I would be sent a new card once I received a new card in the mail I still had trouble activating it because my account was permanently placed on hold. This comes at inconvenient time because I had direct deposits from my job and I am past due on bills from the last week.
Product: Credit card

After a year of on-time and high value payments on my account. I made a $ XXXX payment to my XXXX credit limit to provide a positive improvement to my credit profile and the bank immediately withdrew my credit limit of the XXXX and lowered my limit to $ XXXX almost instantaneously. This is an ongoing issue that many customers continue to experience with Synchrony Bank which as a result has provided a major negative impact on my credit profile. These activities are malicious in nature and result in sever and negative reports on our credit profiles. I called to understand why this happened and while 90 % of the representatives were off shore, everyone said it is a computerized decision and no credit team can be contacted or reached to further understand this negative action against my credit. I am completely left powerless against this agency and my credit is now further negative impacted by their actions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX IS A THIRD PARTY ENTITY THAT SHOULD NOT HAVE HAD MY INFO AND GOT IT ILLEGALLY. I HAVE REQUESTED THEY REMOVE THIS OFF OF MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out several times with attempts to get accounts on my credit that are not mine. I have reached out again to those companies and cant get anywhere. Some of the accounts did come off but there are some still remaining XXXX, XXXX, XXXX XXXX  XXXX, and XXXX XXXX. I really need some help this because Im doing this on my own behalf. I have already reached out to the FTC and filed a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, incorrect personal information placed on my credit report is a violation. I have requested the following incorrect addresses be deleted from my credit file : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX. No actions have been made by the EXPERIAN credit bureau to resolve or correct this problem. 

Two certified letters were mailed to EXPERIAN on the following dates requesting the above addresses be deleted. Certified letters on XX/XX/2022, tracking # XXXX, and XX/XX/2022, tracking # XXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently checked my credit reports with XXXX, XXXX, and Transunion and have found duplicates reporting 's that is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. Below are the duplicates showing on my credit file on Trans Union : XXXX TransUnion Account # : XXXX Duplicated twice on credit report XXXX TransUnion Account # : XXXX Duplicated twice on credit report I have recently checked my credit reports with XXXX and have found an account without an original creditor is listed. I am not aware of the allege debt and this reporting ' is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. Below are the duplicates showing on my credit file on XXXX : XXXX Acct : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with GM financial and in the earlier part of the year, I realized that they were not reporting my account history to the credit bureaus so I contacted them and they told me they were updating their system and they turned their reporting off. So I wasn't pleased with that information so I reported them to the XXXX XXXX XXXX. Once that was done, I checked my credit report and saw that GM financial reported to XXXX XXXX but not XXXX, and I reported this to XXXX XXXX XXXX   in XX/XX/2018. I then disputed this with XXXX in XX/XX/2018, and received my dispute results on XX/XX/XXXX, so I checked and the history reported is still incorrect, it is showing my last payment received was in XX/XX/2018, which is incorrect, my last payment was XX/XX/2018. I want the correct information reported to all 3 credit bureaus, as a consumer, I expect this to be done accurately and timely.