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

FCRA Violations NOT mine not my credit cards XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$7200.00} Status Account charged off. {$7200.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} XXXX Account charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Account charged off. {$1900.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
THE XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4500.00} Status Account charged off. 
not my addresses XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX type XXXX complex XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident XXXX XXXX complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident type Multifamily not my phone numbers ( XXXX ) XXXX Cellular ( XXXX ) XXXX not my name XXXX XXXX not my inquries XXXX Inquired on XX/XX/XXXX On XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA XXXX05B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Product: Checking or savings account

On XX/XX/XXXX I contacted my financial institution about unauthorized charges on my account. These charges were piling up unbeknownst to me because the form of payment I use most frequently is XXXX XXXX, so I did not realize my debit card had been stolen/missing. After contacting my bank about this issue, they initially were helpful and reversed all unauthorized charges to my account and a new card was issued to my account. After sometime I resume using account as usual thinking the situation had been resolved only to login to my account weeks later and find every charge initially credited to my account debited again WITH multiple nsf fees. This caused my account to be overdraft by hundreds of dollars, and has put me in an extremely uncomfortable position financially as I am a XXXX  unable to makeup for what Chase took from me. When I called them about this issue the only explanation they could give me was that they reversed their decision because of geographical similarities in the unauthorized purchases and my regular purchases. This is not a significant enough reason to decline a fraud claim. I informed them it was very likely my card information was stolen by someone very close to me/in my area. I do not have a history of fraud claims or suspicious activity on my account. In fact, i have NEVER submitted a fraud claim before, and the fact that this was the " resolution '' they could offer me is unacceptable because not only did the bank NOT provide any help of significance to rectify my account, they actually made my financial situation worse. A police report has been filed and am seeking a PROPER reimbursement of all unauthorized charges and NSF fees from Chase.
Product: Credit reporting or other personal consumer reports

I got a credit report and I know it is incorrect. I was told I have a right to have a investigation done. In which you did not throughly investigate these. XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX said that Experian never contacted them. I submitted my police report and FTC fraud report showing these are not my accounts.
Product: Mortgage

My wife and I signed a contract from a mortgage broker agreeing to a specific interest rate based on a credit report that was not from experian, equifax, or transunion. I received the request notification from the credit beurous dated on the same date the mortgage broker 's credit report was dated saying : The lender has requested a credit report from " us '' : " us '' being the actual 3 credit beauros. The credit score on the credit report from the credit beauros was over XXXX points higher than the score on the credit report the mortgage broker used to determine the interest rate for my home mortgage.
Product: Credit reporting or other personal consumer reports

I have twice now disputed an account from XXXX XXXX XXXX. The account number they list is : XXXX They are reporting the address of the person where the debt was incurred as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have never lived at that address.
Product: Credit card or prepaid card

I had a Bluebird American Express XXXX XXXX XXXX. I would periodically load it from another account and I did a series of transactions it to make sure it was loading properly. Eventually it stopped working and I talked to customer service and they told me to call my other bank. Later that day, the account as closed and permanently suspended. I have no way to contact them other than to write them a letter. When I call them I get an automated message that tells me I'm suspended and I'm hung up on. This is completely ridiculous. I have now lost all access to the money in the account and they have basically blocked my number. There is no online customer service. I have no idea how I will get those funds so that's why I am reaching out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and found erroneous, inaccurate, negative, fraudulent, and unverified accounts on my credit report. Because of this its hindering myself from obtaining tradeline in my name. There are several loan accounts with different dollar amounts and information, on my credit report.
Product: Credit reporting

Ran annual credit report and inquiry showed an unauthorized credit report run XXXX XXXX, 2014 by Microbilt. Which was requested by XXXX XXXX XXXX XXXX. 

Microbilt - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX - XXXX Date XXXX XXXX, XXXX XXXX , CA , XXXX - XXXXXXXXHave filed dispute with XXXX and in the process of sending a certified letter with return receipt requested.
Product: Debt collection

My XXXX XXXX shows and amount of {$740.00} is currently in collections with The Monterey Financial Services LLC. I have attempted to call this company to settle the debt and have not received any feedback. I am in fact unable to even reach to a representative as their phone lines say they are closed. I need this debt cleared and removed from my credit report as soon as possible.
Product: Checking or savings account

Albert took money from me XX/XX/XXXX of {$160.00} said that they were going to give it back to me on XX/XX/XXXX then changed it to XX/XX/XXXX and now I am still fighting with them to get my money back. Theyre trying to tell me that they can not put it back into my bank account that I have to wait for a check or I have to wait for them to put it into a different account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had submitted a complaint against this collections creditor that is reporting on my credit reports. I had sent them a request for full validation and to date, they had not responded to me with the information that I am entitled to receive according to law. The Consumer Finance group just sent a reply to the complaint I made, which was XXXX. They just said this company would respond to the complaint directly by mail since they could not figure out who I was. I don't know what other information they would need. In the complaint, I submitted my information, my date of birth, last 4 of the social, which is way more than they have already. I also provided the registered mail / return receipt from the letter I had sent them to obtain validation of this debt. Their answer is generic and incomplete. The basis of the complaint is that they have not mailed me all of the items required by law. Why is the complaint closed. They not only have not provided any answers on the debt but did not answer the complaint. The reason for the CFPB is to protect the consumer, when a credit or finance company is not following the law. This complaint needs to remain open and this creditor needs to answer the initial complaint, which is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2023 I sent all 3 credit bureaus as well as these creditors XXXX, XXXX XXXX, XXXX, AND XXXX XXXX XXXX . THE COMPANIES ARE REPORTING FALSE INFORMATION AND ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME. I ALSO SENT ALL 3 BUREAUS A LETTER IN REAGARDS TO FRAUD ADDRESSES, NAMES, AND EMPLOYMENT THAT ARE NOT MINE AND STILLIT SHOWS REPORTING. THIS IS CAUSING ALL 3 CREDIT BUREAUS TO REPORT FALSE INFORMATION THAT DOES NOT BELONG TO ME. I SENT THESE COMPANIES A LETTER, A COPY OF MY I.D, SS CARD, FTC REPORT, AND A LETTER STATING THAT THE ITEMS NEED TO BE BLOCKED AND REMOVED AND FOR THEM TO SEND ME THE STEPS ON HOW THEY CONFIRMED THAT THESE ACCOUNTS WERE MINE. THEY DID NOT DO SO ALL THEY SAID WAS IT WAS VERIFIED BUT DID NOT PROVE TO ME HOW. SO BY LAW PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) '' THESE ITEMS MUST BE REMOVED IMMEDIETLY. I AM THE CONSUMER AND I KNOW MY RIGHTS. THEY ARE BREAKING THE LAW
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX continues to willfully falsely report my mortgage as 90 days and 30 days late although I HAVE NEVER been late and this was verified by them and stated in the last resolution. YET the credit reporting department continues to verify the INCORRECT reporting as of XX/XX/XXXX causing me serious financial harm. At this point it would be considered malicious. I am given the information that it was corrected, yet when disputed it is falsely verified instead of corrected. 
My modified loan began XX/XX/XXXX and I made ALL PAYMENTS ON TIME. Never late, never over 30 days late. This is LEGALLY VERIFIABLE. In addition XXXX misappropriated a payment to principal, their OWN error and yet reported as late. Wrongly reporting last payments as well. Legal action is being taken, this just further documents XXXX XXXX XXXXXXXX 's willful wrong reporting. Damages accrue daily.
Product: Checking or savings account

I authorized my bank to pay XXXX XXXX {$9600.00} XX/XX/XX/XX/XXXX Transaction was done but then reversed when XXXX XXXX could not find account ( recorded on my statement as having occurred on XX/XX/XXXX ). Bank had given me wrong account number ( gave me savings account number when it should have been checking account number ). So the money was put back into my account. 

However, then with no request from XXXX XXXX for a payment, my bank, BMO, made an electronic withdrawal of {$9600.00} from my savings account on XX/XX/XX/XX/XXXX 

Green Sky never received this payment because BMO sent it to Fifth XX/XX/XXXX and not XXXXXX/XX/XXXX, the institution XXXX XXXX uses. 

I have talked to over 4 Resolution Team members at BMO and have not had the issue resolved. I have also talked numerous times with one particular XXXX XXXX resolution team member. It took me three weeks to even get BMO to give me a TR number, trace number, and transitioning number. They also gave me the institution they sent the money to -- XXXX XXXX Bank. When I talked with XX/XX/XXXX, my resolution team member informed me that XXXX XXXX does not useXX/XX/XXXX She also informed me that there is no record of XXXX XXXX initiating any payment to them from my bank on XX/XX/XXXXXX/XX/XXXX. They have received no payment from BMO. 
Thus, BMO transferred & XXXX from my savings account to an unauthorized banking institution ( XXXX XXXX ) without request from me or the banking institution ( XXXX XXXX ) they should have paid on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

SINCE 2019 I HAVE BEEN SENDING PRIVATE NOTICES LETTER TO THE CREDITS AGENCIES, UNFORTUNALLY THEY HAVE NOT ANSWERED WHAT I HAVE REQUIRED FROM THEM AND HAVE CONTINUED COMMITTING FRAUD WITHOUT DEMONSTRATING WHAT IS REQUESTED, NO PROOF OF DEBT, PLEASE SEE ATTACHED LETTERS SEND AND CONFIRM BY GENERAL POST OFFICE BY FORM 3811 FOR THE MOST RECENTLY LETTERS. THIS ERROR MUST BE REMOVED, DELETED FROM CREDIT REPORT IMMEDIATLEY, OR I HAVE TO FILED FOR DAMAGES
Product: Mortgage

Our mortgage company, Citizens Bank, escrows our property taxes. They made an error when entering our 2022 property taxes. They entered a total of {$36000.00} for our property taxes, but our total property taxes are {$10000.00}. This has caused them to increase our mortgage payment by around {$4000.00} per month. Our current escrow balance is {$14000.00} - far in excess of what it needs to be to satisfy the annual taxes. 

We have submitted evidence of our actual tax liability and Citizens Bank confirmed they received it, but they will not change it. 

I called on XX/XX/2022 to notify them of the problem. At that time, they requested I fax them the property tax information from my county, which I did. They told me it may take 5 business days to fix the issue. 

I also mailed them a letter on XX/XX/XXXX notifying them of the problem and the evidence of that. 

My husband called on XX/XX/2022 to follow up, because it still had not been fixed. They told him that it would be fixed by XX/XX/2022. On XX/XX/2022, I called and I was told it might be done by the XXXX or XXXX. I spoke with three different people, and I escalated the issue as far as I could. Each phone call took more than an hour. 

On XX/XX/2022, they again drafted the inflated mortgage payment and have taken no action to change it. On XX/XX/2022, my husband called again, but after another hour phone call, the problem was not fixed. 

During my XX/XX/2022 phone call, I requested that we removed from escrow. I stated that I would pay my property taxes myself. They told me that if I did that, I would be charged a fee, which would be a percentage of our mortgage, but the agent said they could not tell me what the fee was and that I would only find out after it was charged. I declined this, because I didn't think it was correct that I should pay a fee in that situation, and because of the unknown amount of the fee. 

At this point, we don't know what to do, and don't seem to have any recourse to stop the mortgage company from stealing our money. At this time, out mortgage payment is {$6100.00} and we have made significant financial sacrificed in order to not default on our mortgage.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( fcra ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate and unverifiable accounts unresolved. The consumer financial protection bureau ( cfpb ) has recently filed a lawsuit against experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts as experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. This has cause me great XXXX, stress, and financial hardship.
Product: Debt collection

Noticed a derogatory marks from the credit bureau association. Never have done business with them or give any permission for the exchange of my personal information. These marks have had a huge hot on my credit report and feel violated that they had access to my personal information without my knowing. I have received no proof from this collection agency on how I owe them anything never had direct contact with this company ever
Product: Credit reporting

Equifax has fail to provide me with proper information on disputed accounts. also, they have allow negative information such as amount past due, difference between charge offs and balance amounts to affect my credit score. Moreover, results state that accounts have been verify by original owners but accounts have been sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint under the violation of my FCRA right and Fair credit and reporting act. I have requested numerous times for a full validation and their right to collection so I can validate of this account. I am not aware of this account and demand proof. I have sent numerous letters by certified mail with any result or proof. If you can't provide the company right to collect, please remove this information from my account as its has hampered my financial needs. Please show with XXXX co vendor you used to collect this information as I take my privacy seriously and have opted out all XXXX party vendors who sold my information to the credit bureaus. The account in question is name XXXX XXXX XXXXXXXX Account number XXXX.
Product: Mortgage

My home was sold at foreclosure by XXXX XXXX XXXX and they did not have authority to conduct it. WELLS FARGO previously in XX/XX/XXXX was in the process of doing a foreclosure sale but it was delayed when I was attempting to get assistance with my delinquent loan status. 
XXXX XXXX, XXXX WELLS FARGO tells me my home is owned by XXXX XXXX. 
XXXX XXXX, XXXX WELLS FARGO tells me my investor is XXXX XXXX XXXX XXXX XXXX ( my first knowledge of XXXX. ) XXXX XXXX, XXXX WELLS FARGO tells me my review for assistance was discontinued as of XXXX XXXX, XXXX because it was being service transfered to XXXX XXXX. 
Neither WELLS FARGO or XXXX XXXX will finish answering the questions about my home and as far as XXXX is concerned, XXXX XXXX XXXX is just a scam and they instructed me not to work with them. I have not seen anything that looks like a title transfer or transfer of a deed to anyone and the person who holds title to my home now is evicting me without having the legitimacy to hold a FED, due to the foreclosure sale being done by XXXX. 
XXXX XXXX XXXX XXXX, XXXX, D/B/A XXXX XXXX ... ... for XXXX is now trying to evict me as the new owner and is doing so with the same attorney as WELLS FARGO used in my Oregon Foreclosure Avoidance mediation case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX for XX/XX/18 Experian has under notices page 19 of 20 this address may be perceived as a high risk. was used as a mail drop or a delivery service. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX is not none of what Experian has or says. I have for the past months to get Experian to Delete/Remove this. This address is an high end apartment address. Experian has not provided any proof of there sayings or any documented proof or any thing of substance regarding this matter. Experian has had months to clear this matter up. Experian keeps putting or adding information on my credit report that is not mines and Experian does not have or documented proof of there gathering of information and the errors in which has no merit in any way of there findings to the said address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account reported to the credit bureau under my social security number. I was informed that the items were deleted from my credit report. I have now discovered that the items have been reinserted.
Product: Mortgage

Due to the COVID-19 the federal government sent provisions to mortgage companies to help customers who can not afford their mortgages. My mortgage company is asking me to pay over XXXX dollars in three months that is setting me up for failure. I believe the payment supposed to be deferred and they are refusing send the payments at the end the mortgage term. Company name is XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

See attached debt validation demand letter, and cease and desist letter.
Product: Credit reporting or other personal consumer reports

I went to XXXX XXXX XXXX XXXX to obtain a vehicle. The lender Americredit Doing Business as GM financial approved me for an auto loan however through the credit transaction it was not disclosured to me that this private transaction would be reported to any of the 3 consumer reporting agencies XXXX, XXXX, and XXXX without my consent. I read through terms and conditions during signing of documents and the promissory note but nowhere could I find anything concerning of opting in or opting out to report this to the consumer reporting agencies. 

lender/lienholder Americredit DBA GM Financial tracking number : XXXX Dealership/third party middleman tracking number : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Service Finance Company has reported to all XXXX  credit companies ( XXXX, XXXX, and XXXX ) that the account is closed. The charge off start date started back in XX/XX/year> and the Balance owed {$15000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA AS TO HOW THESE INQUIRIES GOT ON MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.