23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Accounts were opened that I don't know about, XXXX XXXX was opened on XX/XX/XXXX and XXXX XXXX was opened on XX/XX/XXXX and XXXX XXXX opened on XX/XX/XXXX. There are also 63 inquiries on my credit that I don't know about, please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have had a mortgage with Wells Fargo for over ten years and the initial payment was generally about XXXX dollars. However, the past several years it has gone up from XXXX to XXXX to XXXX and then XXXX. When I asked about the increases, I was told it was due to insurance and taxes. I have made no changes to the house so I was having a hard time understanding why the increases. I was only XXXX payments behind but at {$1400.00} that adds up to several XXXX dollars. When I tried to make an automated payment I was told that my " new '' payment was {$830.00}. It was not clear what that meant but I made payments at that amount for several months. I then got numerous phone calls from Wells Fargo indicating that I was on some type of " trial modification '' and according to them I now owe {$11000.00} on the mortgage. They wanted to send me some type of new mortgage agreement that increases my mortgage by XXXX dollars, puts a 40 year term and a lower interest rate. I was told in the middle of XXXX when I spoke to their representatives that they would be sending me this modification agreement and that I must agree to its terms or else they would put me into foreclosure. Even though I was making the payments that the automated system suggested, they were telling the credit bureau that I should have been making the nearly {$1400.00} payments, therefore I was falling further behind even though making payments. I was told NOT to make a payment in XXXX and that this new modification would be coming. I have NOT received this agreement. I also asked for a copy of my payment history which I was sent by fax two year of payment history. this payment history ( a copy of which I am sending by mail as I can not scan documents ) shows " new principal/escrow balances '' as far back as 2013. I was NEVER told that anything had changed on my mortgage. I have now requested a copy of my entire payment history to see exactly when this principal amount had changed. I am told it will take two weeks for me to get this entire history. As stated above I was told they would not accept payments until the " new '' agreement was signed and to date I have not received it. It is now going into XXXX and it is unclear as to whether a can make any type of payment or exactly what my payments are or what is going on with this account. It was my understanding that mortgages or legal agreements can not be changed without the consent of all parties. I am not sure what the status of this agreement is or what the bank is contemplating. It appears that I have lost ten years of equity in this property and they are going to make me start over and keep this under a mortgage for an additional 40 years. I have stated to them that I am very concerned about this and they assure me that this is just their way of " helping '' homeowners. this is an address that I reside in as a second residence. I ca n't believe this is legal or that they should have been able to make changes without telling me years ago. Please can you help me sort this out and determine if this is actually legal and appropriate??
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I received an email to confirm 3 vehicles that do not belong to me but belong to my grandparents XXXX and XXXX XXXX. 

XX/XX/2023 I was asked security questions that are randomly pulled by my credit history through Experian. These questions were about loan and loan payments in regards to my grandparents vehicles. 

I do not own a vehicle, neither do I have an auto insurance policy nor do I have an auto loan. I never did this. I never signed! I had to be fingerprinted to do Auto Insurance. I will go in and provide my fingerprints. I didnt do this! 

XX/XX/2023 I got in the mail information to pull up my credit history through XXXX. It shows vehicles, auto loan and auto insurance in my name. I didnt do this. It needs to be removed. This is identity fraud.
Product: Credit reporting or other personal consumer reports

I havent been keeping eye on my credit report because I have everything I need I have a car I have a home so I havent been getting my credit pulled but the other day i decided to check my credit report just because and i see that their inquires on my credit file I dont recognize from dealers and banks. I am a victim of identity theft from a couple months ago due to leaks but so some might be from that Ive had the police involved already once so now I just need the credit bureaus to remove the fraudulent activity off of my file please. I have no knowledge of whats going on with my file. Please remove
Product: Credit reporting or other personal consumer reports

Please remove these inquiries that have been placed on my report without my consent. According to the FCRA 15 USC 1681 ( b ) these banks do not have a right to request my consumer report XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I have had a free membership with Experian for a few years now due to a credit breach. Whenever I logged in since XXXX, I noticed it was offering a service upgrade for {$0.00}. It seemed unusual. On the right side of the screen it would show a few additional services it appeared that i was eligible for. It showed I would owe {$0.00} if i elected to opt-in. After the second or third seeing that the amount was {$0.00}, I decided to opt-in since there was no cost. When I selected it, I didn't receive any new screen explaining that I'd be charged {$24.00} a month. I also didn't receive any message from Experian at the email address on my account verifying the upgrade and the billing information. My first alert was when I reviewed by XXXX bank statement. I immediately cancelled the upgrade at Experian. At the screen when it asked me why I was cancelling, one of the options said something like " i was unaware that i would have to pay for the new service. '' I selected that one. This was a deceptive practice by Experian, to rope consumers into a paid membership but not explaining the associated costs. 

I didn't take screenshots of the offers on the Experian website, but I do have a screenshot from my email account, showing how often Experian would email me. It's very strange that as often as Experian sends me emails, they would neglect to send one related to a paid subscription membership upgrade.
Product: Credit reporting or other personal consumer reports

I am writing to report unauthorized accounts that have been added to my credit report. Specifically, there are two accounts that were opened without my consent or knowledge : XXXX. XXXX XXXX XXXX XXXX - This account was opened on XX/XX/XXXX, with an outstanding balance of {$500.00}. I did not authorize the opening of this account and have no knowledge of its transactions or activities. 
XXXX. XXXX XXXX XXXX - This account was opened on XX/XX/XXXX, with an outstanding balance of {$460.00}. Like the above account, I did not authorize its opening and have no knowledge of its transactions or activities. 

Upon discovering these unauthorized accounts, I took immediate action to dispute them through the appropriate channels. I am requesting that these accounts be investigated and removed from my credit report, as they were established without my authorization. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I have spoken with a chase representative in 2023 about a payment, I was informed that my account was up to date. After speaking with the representative, the informatioan she had given me was incorrect. I called in before and was told I needed to make another payment to catch up and the other representative was wrong. After making another payment, thinking my account was up to date, I saw that it was not. Spending weeks trying to rectify the inacuracy of my account, I saw that it was a never ending battle so I made an extra payment to be safe. 

Now, as I try to resolve this inaccuracy from misinformation from chase representative, looking at my credit report, I see it was not resolved. I was told that they can not give me a waiver, which I am not asking for. I am asking them to resolve their mistake. I am a retired veteran and I have been very sick from the after effects from the XXXXXXXX XXXX  and still to this day, trying to recover from it. 

I would like chase to remove the inaccuarcy of the two wrongful placements of the 30 day late payments from XXXX and XXXX of 2023.
Product: Debt collection

I filed an FTC report for the fraudulent activity on my credit report. Bank of America has flagged my credit report for late payments and charge offs. I have no knowledge of this account. The accounts are not mine.
Product: Debt collection

While I live in XXXX  someone from XXXX XXXX opened an account worth {$200.00} with Uplift/XXXX XXXX using my name and social security in XX/XX/year>. I spoken with the bank and the credit reporting agency XXXX and they agree it is to be fraudulent and a case of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the breach and also been a victim of identity theft before the breach. I need these hard inquiries removed because I have no knowledge of them. I did n't inquire for accounts with them. I would like for these to be removed from my reports. I have sent certified letters and the response I received back was " These item are factual record of file access. '' My rightschedule are being not being acknowledged and I am after multiple attempts to remedy this asking for your assistance to have these agencies perform their duty to protect my credit worthiness and reputation. 
XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX EXPERIAN XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX, XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the XXXX has failed to block this information and it has been over XXXX days. Again, this is NOT A DISPUTE. 
XXXX  XXXX Balance : {$330.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted certified letters to XXXX, Equifax, and XXXX advising I've noticed violations under 15 us code 1681 and 15 us code 1681b ( FCRA ). The following accounts were inaccurate. I have not received any correspondence that the investigation has been completed or documents with signature.
Product: Student loan

In light of the recent/current lawsuit against XXXX XXXX XXXX I ask that my previous complaint be reopened and revisited. It is very much in line with what is going on now. 

It was their error that I was in the wrong loan category- they incorrectly put me in XXXX for my parent loans. I might have made a different choice in repayment type. They took that choice out of my hands. They predetermined where to put me - XXXX, which is not advantageous to me. 

It was impossible to figure out what loans I had ; customer service could never figure out my complicated loan history ; and then I would be barraged by incorrect email information that I could not overlook even tho I was getting verbal information that said otherwise because the website agreed with the emails. Let 's not forget what XXXX XXXX did doubledipping Grant money and loans- another story of deception. 

Now I'm about to go through this again when my loans go back into payment. I have no confidence that XXXX will be any better. It is also 100 % not fair that although I know repayment is coming, I can not be told the payment amount until sometime in XXXX with that payment due XX/XX/XXXX. No time whatsoever to plan and budget.
Product: Vehicle loan or lease

We purchased a brand new XXXX XXXX XXXX from XXXX XXXX XXXX inXX/XX/XXXX The vehicle has been in the shop many times and they have been unable to fix it. We are now in arbitration with Chrysler. Our XXXX has been in their shop for nearly 2 weeks now for their allowed final repair attempt. However, they refused us a loaner vehicle. My husband has been taking his motorcycle to work in the rain and freezing cold temperatures because of this. We still have to pay our $ XXXX/month payment and we have no vehicle. This is absolutely absurd. We have attempted to resolve this with both XXXX and Chrysler, but the fact of the matter is that we are under warranty. We pay our payments. We both need to get to work and my husband absolutely should not be forced to put himself at risk on a motorcycle in the rain or freezing temperatures. We are paying a lot of money for absolutely nothing. That's stealing plain and simple.
Product: Debt collection

I C System has placed a collection on my credit profiles claiming that I owe {$230.00} to XXXX XXXX. I've NEVER had services with XXXX  before as I've used XXXX or other services under the XXXX XXXX XXXX. I'm not sure how they tied my name with this erroneous debt! I've contacted this company twice by mail ( in which I have the USPS tracking number as proof of delivery ) and three times by phone. They have yet to resolve this issue. They have yet to verify with my signature or any other means because they can't.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank was bought out or merged with another bank and during that process my loan ended and there was a problem at the end of the loan related to the credit reporting. They are reporting numerous late payments and currently reporting me as past due in the amount of {$12000.00}. 

I have filed a complaint previously and it was forwarded to the Office of the Comptroller of the Currency. I received a letter from them dated XX/XX/2022 and they stated that XXXX made a correction to delete the negative late payments. To date, they still have not corrected it. I am really at a loss here.
Product: Bank account or service

We closed on a home and need to forward the funds to current mortgage. We had the escrow officer deposit the amount to our Wells Fargo account as a cashiers check so it would be available within a day but they are holding it for more than seven days! Our escrow officer said that was illegal to detain our funds and so we are following up with the appropriate agency 's involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3100.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$3100.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seve
n years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Mortgage

After being denied original request for additional amount month, company advised me to send hardship letter with additional paper. XXXX weeks plus elapsed so checked back and was told this could not be done and asked me to submit hardship letter again and more of same paperwork. Every time was told they would be in touch in 7 to 10 days. Never received their response & each time I had to check in to get status. Was always told this could work but in the end it never did. If I had not checked back with them, I would have never known status. Finally in XXXX in answer to another call from me I was told there was nothing they could do. Thats when I contacted firm to assist & they got same treatment. This is associated with XXXX XXXX which was filed previously. 
Shellpoint is totally unscrupulous & dishonest.
Product: Credit reporting or other personal consumer reports

I found 3 hard inquiries under my Transunion account profile from XXXX XXXX- I hadnt applied for anything- so HUGE red flag! I called Transunion quite a few times to notify them of the fraudulent activity to have them removed immediately- they directed me to call XXXX XXXX I called XXXX XXXX where they sent me an affidavit to sign and have the inquiries removed! Since then my entire credit report has refreshed and the inquiries are STILL THERE!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included these in my previous Complaint & I am including these again. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : {$12000.00} US DEPT ED XXXX Balance : {$5000.00} US DEPT ED XXXX Balance : {$6200.00} XXXX XXXX  XXXX Balance : {$9800.00} XXXXXXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX