23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 - 30 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Payday loan

My identity was stolen in XX/XX/2009. A XXXX XXXX. He obtained a DL and opened a fradulent loan with the DL. I filed a police report and an investigation was done. Afterwards, there was a warrant issued for his arrest.
Product: Debt collection

CONVERGENT OUTSOURCING Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX XXXX  Monthly Payment XXXX Original Balance XXXX  Highest Balance XXXX Months Terms XX/XX/XXXX On Record UntiXXXX XXXX On Record Until XXXX Balance Updated XX/XX/XXXX XXXX 
They have called and said it will be on my credit report until it is paid and also they have said this is a debit from XXXX
Product: Credit reporting or other personal consumer reports

I am writing regards to the frivolous inquires that have surfaced on my credit report after I just had this happen in past timing this is getting ridiculous. According to 15 usc 1681c-2 blocking of information, all information deemed fraudulent by the consumer SHALL be removed 3 days of this receipt I HAVE ENCLOSED A COPY OF MY ID THEFT REPORT SEE ATTACHEDMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with Wells Fargo, and that stated I had several late or missed payments which I never did. I also used it as a trade in and they reported it as closed delinquent account instead of paid off early which has damaged my credit report Ive tried for two years to fix and nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 this collection account was paid by XXXX XXXX has still been reporting as an open collection account on my XXXX report. I would like to know why this account is still reporting open when it is closed on my other two reports. Please investigate this matter I have tried several times reaching out to XXXX XXXX with no response.
Product: Money transfer, virtual currency, or money service

At XXXX on XX/XX/2023, I took a walk in the XXXX XXXX XXXX where XXXX high-school aged boys approached to me for XXXX survivors donation to their sports team. They first asked me if I can donate one dollar to their XXXX account and I tried but failed. They then asked if I can donate through Zelle and I said Yes. One boy asked if he can search the phone number on my Zelle and I allowed him only to search the phone number. In the meanwhile, the other boy distracted my attention by kept introducing their program. I did not authorize them to transfer the money and the boy who held my phone told me he has searched the phone number out and I said let me take a look. When I looked at my phone for the receipients number, these two boys ran away and they stole XXXX from my account without my authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$0.00}, XXXXXXXXXXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX  XX/XX/2023
Product: Debt collection

I HAVE SENT THIS COMPANY A NOTICE OF EXEMPT INCOME FOR TWO CHARGE OFF DEBTS PDF ENCLOSED THEY HAD BROUGHT AND PAID FOR. I AM REQUESTING AN ANSWER TO MY NOTICES THEY HAVE NOT YET FORMED ME OF WHAT THERE INTENTIONS ON DOING WITH THESE TWO DEBTS ARE THEY CLOSING THE ACCOUNTS AND NO FURTHER COLLECTIONS ARE THEY GOING TO SELL THE ACCOUNTS BECAUSE THEY CAN NOT HAVE A COLLECTION ON MY FUNDS ARE EXEMPT THEY HAVE TO WRITE ME A LETTER STATING THEY CLOSED THE ACCOUNTS
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I sent out a letter via mail requesting a copy of my write consent to Transunion to report anything negative to my consumers credit report. Transunion union failed to comply and in return, they lowered my credit score even more causing emotional, physical distress. Transunion, as a credit bureau is supposed to exercise my rights to privacy. I have suffer greatly because of Transunion receiving information from a third party other than myself and posting it without my consent. No consent is identity theft! Transunion has continuously and knowingly created mental and financial damage to my life; aggravated identity theft, not having permission purposes and taking information from a third party without properly identifying and investigating. 

In addition, Transunion has posted late payments, new accounts etc to my consumers reporting that wasnt verified. 

Under 15 USC 1682 ( a ) ( 4 ) - Accuracy and Fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Mortgage

I was pre-approved for a mortgage with XXXX XXXX prior to looking for property. We found a New Home from CalAtlantic Homes ( XXXX XXXX XXXX, CA ). They told us that " We Must '' use their mortgage company or we could not write an offer or put a deposit down on their home. I did as I was requested. CalAtlantic mortgage ran my credit 3 separate times, only receiving my authorization for ( 1 ) time. They pulled on XXXX XXXX, 2017 ( original date we had to apply with their company ), next on XXXX XXXX, 2017 ( without my consent ) and the third time on XXXX XXXX, 2017. They tell me it was because they used a company called XXXX XXXX ( a re-seller of XXXX credit reports ), XXXX XXXX sent an e-mail to me stating that " they do not '' run my credit. I want to have 2 of the Hard Pulls  removed as it has made my FICA score drop.
Product: Checking or savings account

I am disputing multiple overdraft fees charged to my account between XXXX XXXX XXXX. The most concerning is the {$36.00} fee charged on XX/XX/XXXX, after a paycheck of {$480.00} was deposited and my balance was positive. Despite this, the fee was still applied while only pending charges existed. 

In total, I was charged overdraft fees on : XX/XX/XXXX ( {$36.00} ) XX/XX/XXXX ( {$36.00} ) XX/XX/XXXX ( XXXX x {$36.00} = {$72.00} ) XX/XX/XXXX ( {$36.00} ) Key facts : XX/XX/XXXX : My deposit clearly posted before any of the pending charges cleared. 
Screenshots show a positive available balance with red warning text saying funds were held due to a hold or other adjustments, which resulted in fees being assessed. 
This suggests the bank intentionally withheld access to available funds in order to trigger and justify overdraft fees. 
I attempted to email the bank, but was unable to reach them via the provided channels. 

Additionally, on XX/XX/XXXX, a Web Authorized Payment to Possible Finance for {$58.00} appeared as a pending charge. I do not recognize or recall authorizing this transaction. This may be fraudulent and contributed to the overdraft fee applied that same day. 

These actions feel predatory and manipulative, especially for consumers actively trying to maintain their accounts.
Product: Vehicle loan or lease

In XX/XX/2023, payment arrangements were made with the creditor to XXXX  past thirty day reporting to all three credit bureaus. I explained minimal payments were beyond my control due to COVID related employer polices that took into effect. ALL three debts between XXXX and XXXX were reported with an additional late fees totaling {$1900.00}.
Product: Checking or savings account

On XX/XX/2023, I notified Pentagon Federal Credit Union that for at least two months, unauthorized debits made by XXXX XXXX, XXXX XXXX had been made on my Pencheck plus account ( XXXX ) for at least two months, totaling for those two months at least {$280.00}. This account had been dormant for at least five years, probably longer. At that time, I requested the savings and checking accounts I had with PFCU be closed and all funds returned to me, with the unauthorized debits also returned to me. 
On XX/XX/2023, as no communication from PFCU was forthcoming, I again called. This time I spoke to " XXXX, '' going through the whole complaint again, making sure he saw the two months of unauthorized debits. In the first week of XXXX, having still heard nothing from PFCU, I called again, this time speaking to " XXXX. '' He assured me that two separate checks would be arriving soon, one for the checking account and one for the savings account. In the second week of XXXX, I received a check for {$1200.00}. At about the same time, I received a letter from PFCU listing five of eight unauthorized debits, and three debits that were authorized to a different company. On XX/XX/2023, I again called PFCU to report the missing and incorrect debits, speaking to XXXX. I asked about the second check and an accounting of what had taken place. She assured me that two checks had been mailed on XX/XX/2023. As of this date, no second check has arrived and I have not received an adequate account of what PFCU has done, with no explanation of how XXXX XXXX XXXX got my private information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS/LATE PAYMENTS/INQUIRIES AND INACCURATE ADDRESSES from my credit report immediately.
Product: Checking or savings account

I had an account with cash app and they closed my account stating I violated their terms and conditions and when I asked how they wouldn't tell me, they kept saying I violated their terms and conditions. I told them since I can't open another cash app account to remove my information from their system and they have not done it, I still sign into the account and when I put in my information it says my account was closed due to violating their terms and conditions, but when you contact them, they respond through emails and won't tell me how I did that, when I only used their services to pay bills, and but things and send money to my friends and family
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 items which is found to be fraud 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. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

First Horizon Mortgage XXXX held my conventional loan until XX/XX/XXXX when I sold the loan and paid off the loan with First Horizon I have called First Horizon several times requesting my IRS Form 1098 for interest. 
On XX/XX/XXXX, I called and spoke to a First Horizon customer service rep and was advised my IRS FORM 1098 was mailed to XXXX XXXX XXXX XXXX, AR. THIS IS NOT MY ADDRESS and has never been my address. I have never been associated in any manner to XXXX, AR. 

I am concerned about fraud or identity theft and requested the customer service rep to please send my 1098 form to my correct address. She said she would.mail on that day. 

After no receipt of the 1098 and several attempts to call after First Horizon again, I reached a customer service rep on XX/XX/XXXX and was advised my 1098 form was not mailed and First Horizon could not change my mailing address I explained my payoff release deed was sent to the correct address in XX/XX/XXXX and could send a copy of the letter. I also inquired on the person or party that changed my address without my knowledge or approval and requested a copy of the authorization. 
I was advised to send an email and send a written letter to change my own address tho some other party already had obviously.- which I did both. 

This should be a red flag under the FACT Act 12 CFR 222.90, which requires the bank to establish an identity theft program and respond appropriately to any red flags which are defined as a pattern, practice, or specific activity that indicates the possible existence of identity theft. 

Could you please assist? I am worried I will be the victim of fraud or identity theft.
Product: Credit reporting

When I first bought and moved into my home in XXXX, NV, in XXXX 2011, I called XXXX XXXX to provide wireless internet service. A technician came out to install the system, but was unable to get a strong enough signal for wireless service. I called the company to notify them, asked them to cancel my service, and initially they said they could not since they had sent a technician out. I persisted and stated that I would not pay for service that was not provided. They relented and said they would cancel all charges. Then I received a bill from them. I called them again, restated what had happened, and the customer service rep said she would reverse the charges and zero out the account. Nevertheless, a year or two later, they had sold the debt to a collection agency who now tried to collect from me. I explained the situation and they agreed to drop it. Now this year, another collection agency is pursuing it. I asked them for the billing statements to substantiate the charges, they said they would provide it to me, but never did. I thought the matter ended, or at least until the next collection agency gets it. 

Although the supposed amount owed is only {$73.00}, I refuse to pay for service that was never provided, and for which an agreement was supposedly reached, only to have them renege and continually resell it in their package of bad debts to collection agencies. I do not owe this money, they failed to provide the service I sought, and this matter needs to end. 

Finally, I have an excellent credit rating because I honor my responsibilities and obligations. This is NOT a legitimate charge and I refuse to be held responsible for it. I have read many online reviews that XXXX XXXX chooses to conduct business in this manner, and I will not give them money they did not earn, that they told me was XXXX out, simply out of fear they will report it to a credit bureau. 

Unfortunately I do not have any documentation, since I throw out my bills after one year 's time, and did not have any remaining bills by the time a collection agency contacted me.
Product: Mortgage

We applied for COVID relief assistance in approximately XXXX of 2020, Lakeview placed our mortgage in forbearance and explained the repayment options we would have when it came out of forbearance. I should have known early on we would have issues, each person we spoke to gave us a different answer on the length of the forbearance and what would happen when it came out. As soon as we were able to start making payments again we contacted Lakeview to request the account be taken out of forbearance and requested they send the necessary paperwork to move the 3 skipped payments to the end of the mortgage term. That was in XXXX and we still have not received the papers to sign!! We get a different story every time we contact them. Several people told us to start making payments again even though we were waiting for papers, which we did. Then several other people told us to stop making payments because this was messing up their calculations on what should be moved to the end and the payments were holding up the paperwork. So we stopped making payments again. We have been calling for weeks and they keep saying the paperwork has been processed but it's just sitting there, no one can tell us what the hold up is or why they have not sent the paperwork for signatures. We have spent countless hours on the phone with people who don't really know what they are talking about, this has been an extremely frustrating process. And in the meantime they have started sending delinquency notices and pre-forclosure letters! When we call to ask about the notices they tell us these notices go out automatically and just ignore them. However, we are becoming very concerned!! They also told us many many times this would not affect credit scores or credit reporting, however I do not think this is what is actually happening. I tried to refinance another loan and was denied because of the status of this loan that is being reported to my credit!
Product: Credit reporting or other personal consumer reports

There is a bankruptcy reporting on my account that does not belong to me. Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Liability Amount : UNKNOWN Please REMOVE it from my credit report IMMEDIATELY! Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting

Transunion has blocked me from viewing the results of their investigation and has refused to remove erroneous information form credit report specifically XXXX which is not my account and is fraudulent account and XXXX account has never been late and is over seven years old which should be deleted I have attached a settlement from XXXX XXXX for reporting erroneous information on consumers credit reports which are in violations of the FCRA and Debit collection acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies on XX/XX/2020 in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has been over 30 days, I filed a 30 day demand to comply with the credit bureaus on XX/XX/2020 and still have yet to receive any response.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX 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 or other personal consumer reports

Transunion, XXXX, and XXXX continue to report inaccurate information on my consumer report. There are several inconsistencies on my consumer report. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

There are several discrepancies on the report that require correction. 
XXXX Report : * Duplicate Accounts : The report lists two XXXX XXXX credit cards. This is an error. There should only be one XXXX XXXX credit card listed on my report. 
* Inaccurate Account Status : The report lists the XXXX XXXX loan as both closed and open. Please correct this inconsistency.

* Charge-Off Status : All five accounts ( including the duplicate XXXX XXXX credit card ) are listed as charged off. While some of these accounts may be charged off, I have not received a 1099 form for any of them. Please investigate the accuracy of these charge-off statuses.

Transunion Report : * Number of Closed Accounts : The report lists five closed accounts. Please verify the accuracy of this number. 
* Charge-Off Status : All five accounts are listed as charged off. Similar to the XXXX report, I have not received a 1099 form for any of these accounts. Please investigate the accuracy of these charge-off statuses.
Product: Credit reporting or other personal consumer reports

This institution lexis nexus is stealing my identity and theyre using my information without my consent.
Product: Credit card

I have submitted a complaint previously regarding the same issue. I 've had a XXXX attempted credit card opened in my name without authorization. You all continue to blame fraud as to why I continue to have Chase credit cards being opened under my name for an XXXX XXXX credit card. You all have a partnership with XXXX and clearly a breakdown in security. I still hold Chase accountable for such relationships and the main source to a. ) running my credit and b. ) opening an account without doing any of your own due diligence. You simply accept what XXXX XXXX submits to you with no care whatsoever. I still believe you all are responsible call it fraud or not to ensure accounts are not being opened just for the sake of opening them. Has anyone checked to see if the employees of XXXX are being compensated for opening up accounts? How is this any different from what XXXX XXXX did??