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

Equifax and XXXX should not be reporting me as an authorized user on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and this negative reporting is harming my credit score and the line item needs to be removed from my credit report.
Product: Checking or savings account

I was taken to the ER due to major medical complications due to XXXX. From XX/XX/XXXX thru XX/XX/XXXX I was hospitalized. I was released and all of my personal information drivers license social security card credit cards debit cards and my phone were missing ( stolen ) I immediately checked my accts and reported all transactions not authorized by me to my banks and credit card companies. Bank of America did not want to refund the money for the unauthorized transactions from the time I was hospitalized. My account and information was used fraudulently without my permission. Now I've waited the 10 business days and didn't receive any credits for money used and taken from my account. Please help XXXXm sick with XXXX I need to pay for medical expenses XXXX my rent is due and I can't afford things because my account was wiped out while I was on my death bed
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Vehicle loan or lease

XX/XX/XXXX Regional Acceptance Corp filed a dispute with XXXX a county for {$20000.00} in dues owed after vehicle was repossessed and sold. 

Reached out via email and phone twice last year and sent a letter in XX/XX/XXXX requesting information on how to begin payments to resolve debt.
Product: Debt collection

the company ONLINE INFORMATION SERVICES XXXX XXXX account # XXXX Located in XXXX XXXX XXXX XXXX NC XXXX and the phone number XXXX. 
they are trying with false information to collect the electricity payment in my name and with a false account number from XXXX XXXX. Right now, they tell me that it is a debt collector trying to collect the amount of {$240.00} XXXX  account # XXXX that i owed to XXXX XXXX, the first thing I did was compare the account number with mine and it is not the same. 
I called XXXX XXXX and they told me that the online information services account is false and does not exist. 
this company is trying to steal and scammed people of legal age. 
If they sent me this letter to me, how many other people have they sent also and scammed and they do not do what I did. Thank you for your help. If you need more information, you can contact me or my son. Thank you.
Product: Debt collection

This debt was discharged in a Chapter XXXX bankruptcy and the original creditor -- XXXX XXXX reports I do not owe them anything. This still shows as an open collection on my credit even after bankruptcy. 
Please contact XXXX at XXXX XXXX for verification. 
I do n't owe this
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I went into First Republic Bank in downtown XXXX XXXX on XXXX/XXXX/15 at XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , CA XXXX. I went into the bank to cash a legal settlement check in the amount of XXXX. The gentleman that I spoke with was a XXXX man with XXXX hair who sat XXXX or XXXX desks in from the front door told me that they could n't cash my check. They only had XXXX or XXXX XXXX dollars at most. When I inquired about why they did n't he said they did n't keep that much cash. He said they just did n't which I think is total XXXX Further there was no policy or anything posted at the bank that states they have a limited amount of cash on hand or on their website that says that requests for large amounts need to be handled in a " x amount of time '' There is no question about whether or not the funds were available for this check. It was placed in a client trust account -- legally no check can be issued from these accounts until the funds have been verified. So I am curious about why this person encouraged me to cash a check at my bank that I knew would be put on hold again at my bank because now they need to wait for it to clear from this bank instead of this bank providing me with the cash that I requested from a check drawn on their bank from a client trust account. Was it racism? Is it misplaced policy? Why allow someone to write a check in that amount if you are n't legally willing to honor the instrument person. I would like to know.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history with ( CREDITOR NAME ) and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Bank account or service

I am a Wells Fargo customer, and have been for about 9 years. Wells has been charging me excessive overdraft fees for years. They will hold my and my wife 's direct deposit and run debts through first, so they can charge me fees. They say that this is their policy.They will also manipulate debt card transactions so that those will go through first, then they will process a electronic draft, like a car payment, that is pending, to bring my account balance down. They will also post a draft as pending then take it completely off, then they will bring it back showing pending a day later. So that they can charge more fees.
Product: Checking or savings account

YOUR BANK KEEPS LYING SAYING YOU CANT VERIFY ME FOR MY PPP LOAN EVEN THOUGH YOU HAVE THE SBA NUMBER AND YOU WONT LET ME OPEN AN ACCOUNT SO I ATTACHED THE DOCS TO A 3rd PARTY MEDIATOR. If you lie to them and say you cant verify it your responses will be used to file a state action against you in court for damages to my XXXX   in the amount of the loan we are loosing out on. I have sent the bank information already but I attached verification and statement again. We are a XXXX XXXX that gets paid cash for XXXX  and have XXXX  that are on wages who book these cash gigs for XXXX in XXXX. We cant work due to covid shutdown. We are a XXXX minority XXXX XXXX with XXXX XXXX employees who need these paychecks which we cant pay without bars and restaurants being opened. XXXX XXXX fought so companies like ours without a banking relationship dont get left out and you are now doing exactly what she was afraid would happen. You have my loan number and information but you are not releasing our loan because we are a XXXX XXXX XXXX and that is unfair! We have set up banking for this loan and 60 million was set aside for companies like ours. I demand you send me my loan amount immediately.
Product: Debt collection

I received many calls from CBE Group on multiple phone numbers multiple times per day. One was also my XXXX number. I was unaware of any unpaid debts so I was concerned it was a scam. 
CBE refused to give me info regarding who they are or more information without me telling them my personal details. I understand they need to verify who they are speaking with but there's so many scams and they wouldn't give me any information at all. I was uncomfortable and spoke to an attorney. I was advised to tell them to mail me info instead of the continued multiple calls daily while I was working. 

I have not since heard from them. I never received anything in the mail notifying me of any debt for me to verify. Now, I have the amount added to my credit reports but have never received a bill from XXXX  or CBE Group mailed to verify what I owe money for. I do not believe the debt is accurate. Now that it's on my credit it says it is for XXXX ( I assume it's XXXX I never had a XXXX   account ). I otherwise would not have known what I owe and to whom since CBE would not tell me. I went online a long time ago and paid my balance ( after cancellation ) down to XXXX. 

I have it on my credit reports, however, I was not asked by XXXX to pay anything more. ( XXXX also calls excessively multiple times daily if bills are owed so not sure how I still owe them anything ) This all happened during COVID shutdowns and I was not employed. I had no income, stimulus or otherwise, for over 9 weeks. I would have had an opportunity to speak to the companies regarding this or to request postponement if I was made aware of a bill or what the debt was for. I spoke to XXXX previously explaining I was temporarily unemployed due to COVID. I was not able to pay and they were informed of that. I cancelled service due to that after they raised my rates IN XXXX. I have since gone to my XXXX  account and the amount it showed that was due I DID pay IN FULL once I had money again. I have not received anything since then saying I owed more money than what I paid on my account. 

This is an abuse of the credit reporting system. I simply asked to have a letter or something so I knew what the debt was for. Also, I believe it's an unethical tactic to get paid without actually providing me sufficient documentation of what is owed. The XXXX acct is XXXX It now shows closed but XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on a hardship program with XXXX XXXX for XXXX XXXX XXXX XXXX credit card that began when the pandemic began as of XX/XX/XXXX, the hardship program only lasted 12 months. The agreement was that there would be no negative reporting to the credit bureau during this time. I have made all payments during this hardship program. I had a payment that was due on XX/XX/XXXX and due to financial struggles I did not pay until today XX/XX/XXXX, I made payment 10 days after due date and XXXX XXXX  XXXX XXXX has marked my current status on my credit report as delinquent and they did for several months after the hardship began even though I was making payments. Due to the agreement and me making payments, this creditor is falsely reporting my account as delinquent. XXXX will not allow me to dispute the item stating that I already disputed this information although it was a new late payment added as of XXXX XXXX and a new status update as delinquent causing my credit score to drop XXXX points, they will not allow me to even dispute this which is illegal!!! XXXX, Trans Union or XXXX  refuses to correct the error although I have uploaded documents showing payments I made on the account showing I even paid the amount due. What else can I do to stop these creditors and credit reporting agency from reporting INACCURATE information and not allowing me my legal rights to dispute a transaction. XXXX does not answer any calls for me to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA Section 807 Violation misleading information XXXX XXXX XXXX XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX  XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXXXXXX XXXX XXXX  XXXX FDCPA section 807 XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Debt collection

Resurgent Companies have emailed me on XX/XX/year> and XX/XX/year> claiming I have a debt that I owe amounting to {$1000.00}. They state a legal review may be approaching and that they will forward to an attorney for a possible lawsuit in less than 6 months.
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX but returned accurate LVNV Funding Disputed But returned accurate
Product: Mortgage

Simply a lack of communication. I cant get in touch with anyone at Lakeview Loan Servicing. They recently took over my loan. I've called and emailed numerous times to no avail. I've choose the automatic call back option and never received a return call. I have important questions regard my loan and switching insurers. I am now concerned that my house is uninsured because lakeview hasn't got back to me to instruct me how to add the new insurer.
Product: Mortgage

Greetings Sir/ Madam I am trying to repair my house, which caught on fire due to lighting in XXXX XX/XX/2020. I received a check in XXXX in which I knew it would not cover the damages. But the Insurance sent out the minimum and the mortgage company and I signed it. However, I got a Public Adjuster and got a litter more money. And XXXX XXXX at Quicken loan been given me a hard time since. She said I didn't tell her I was receiving more money. I didn't know. And I still don't know if I am receiving more money. However, when I sent the 2nd check for the loan mortgage to sign it took a month for her sign it. And she didn't even send enough to pay the Public Adjuster and the the new contractors I hired. Because the first check I used to fix the roof, floors, front and back door. However, I sent them the contract license they kept harasing about. Because I sent a permit at first.. I live in HOA and you can not do any kind of work without a permit. A permit have the contract license on it.. I didn't understand what she was talking about or about the process. Nevertheless, when I started preparing for a lawyer. And I emailed the company, then she reached out and said she explained everything to me. And I will need an inspection. I did an virtual inspection a week ago. And sent all the contract license. And now they asking for another one. And they told me they will give a call in about 4 days. And that past. My house is not livable. I have not lived in my house since XXXX. My contractor is waiting for the permit for drywall to be put up. It should be here any day now, but I won't have all the funds, including the funds to install the AC, appliances and some Plumbing, Etc. My Insurance company already threaten me that they will not give me an extension on my living situation again. And quicken loan know this. And Quicken Loan mortgage company continue try to strew and harass me.. And they just just sent a second letter saying we paid your insurance which had triple. But they can't send my money to fix my house. In which I am not living in at the moment. And my mortgage continues to go up at year. And the last settlement check was for STORM DAMAGE, a previous settlement I was never paid. Quicken Loan is a fraud just like the my Insurance Company. However, I would like my financial paperwork investigated too. Because my Escrow account should not be negative every year. I am a XXXX  XXXX  XXXX  veteran I should not be paying taxes. 

PS : I also Have the emails I have to scan them.
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea why it's there. I check my report regularly, but this time, I was shocked to find unexplained discrepancies. I even refreshed my browser, hoping it was a glitch, but the unauthorized inquiry remained. This is extremely frustrating, and I need this issue resolved immediately. Please review the documents Ive submitted thoroughly so I can finally stop worrying about this.
Product: Credit reporting or other personal consumer reports

Kohls has obtained my nonpublic information as result of material misrepresentation, fraud, and identity theft pursuant to 1682a ( q ) ( 3 ) and Georgiana Penal Code O.C.G.A. 16-9-129 thru 16-9-127.

Kohls fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Biliey-Act ( 15 USC 6802 )
Product: Debt collection

I stupidly agreed to pay the amount of {$170.00} a month for 6 months with Portfolio and once had to make payment 3 days after due date. When I called, I was told that my agreement was now null and void and had to pay FULL amount throughout XXXX. I asked for Debt verification letter and company still tried to charge me the {$170.00} which caused my bank account to overdraft. I called company and was told to speak to the legal department, which I did. The woman told me to email her supervisor with proof of overdraft and they would reimburse me. I did XXXX times and still have yet to hear anything or receive and reimbursement. I have not received debt verification letter either. I believe this company is committing fraud and until proven otherwise will continue to fight for my hard earned money. I am a victim of identity theft due to being a federal employee so I have no idea what these hackers had access to.