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

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXi noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax XXXX & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Product: Credit reporting

After a divorce, I was granted Innocent Spouse status from the IRS, and was separated from my ex-husband 's many tax liens. I saw liens back on my credit report ( my name is still on my ex 's house ), and I disputed XXXX times, providing documents showing my release from those liens from XXXX XXXX, the State of Ohio, and the IRS. Equifax apparently does n't accept proof from all taxing agencies that I am released from those liens, because after XXXX disputes, I keep getting the same response - " we have determined that these liens are yours ''. These liens are negatively affecting my credit score, and the other credit bureaus have not had a problem correcting this error. I need help getting this corrected.
Product: Mortgage

On XXXX XXXX, 2015 I mailed a payment of {$2000.00} the payment was received and cashed on XXXX XXXX, 2015 ( apparently it was applied to the wrong account number ). When I called on XXXX XXXX, 2015 I was told that they had n't received my payment so I went ahead and wired {$4400.00} ( the amount that was past due according to whomever I spoke with ). I asked that they refund the {$2000.00} and they said that they could n't because they had n't received it. I called back again because I saw that payments had been made on my account through XXXX 2015. I told whomever I spoke with at the time that I wanted the {$2000.00} and I was told that they would refund the money. Since then I have called several times and requested to get my money reimbursed. Each time I call I am told that they are working on it and will reimburse the money. I have spent hours on the phone with Nationstar and I 'm tired of getting the run around. I want my money back!
Product: Mortgage

I am having all different kinds of problems with my mortgage loan servicing provider. Please look at complaints # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX. 

I suddenly owe - {$2300.00} or something in my escrow account I am not sure why. I believe that I was told that while I was in forbearance that I had to pay {$390.00} and that this was going to be applied to my escrow account to pay for my taxes. I am not 100 % sure on this and I dont have a recording, but I do believe this is what they said. I am not sure why I owe a negative balance in forebearance. I think this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and this company name, according to XXXX is " XXXX XXXX/XXXX '' both are reporting a negative account on my credit report as result of identity theft. I don't have any contractual relationship with " XXXX XXXX/XXXX '', that makes XXXX and " XXXX XXXX/XXXX '' entitled to enforce inaccurate credit information on my credit file. I tried resolving the issue recently again with XXXX on XX/XX/18, and directly through " XXXX XXXX/XXXX '' but has not had any resolution.
Product: Credit reporting or other personal consumer reports

My Experian credit report contains inaccuracies that should have never been reported, and I find this completely unacceptable. These errors raise serious concerns about the reliability of your reporting process. The presence of such incorrect information is negatively impacting my financial stability, and I will not stand by while these mistakes go unaddressed. 

As a consumer, I have a legal right to a credit report free from false or unverifiable data. The FCRA mandates that all reported information be accurate, and any errors must be corrected immediately. I demand a full investigation and immediate corrective action. Any delay in resolving these issues will not be tolerated. 

Company Name : XXXX  - Account # : XXXX - Reporting Balance : {$0.00} ( XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Secured credit card FIRST PROGRESS CARD states a charge off but card was secured with my deposit of {$300.00} and account was closed. Incorrect reporting Account closed in 2016
Product: Debt collection

I have been receiving several phone calls from XXXX which I have found to belong to Merchants Credit Association ( http : //www.merchantscredit.com/ ) that I have never answered. On XX/XX/XXXX, I received a phone call from them at XXXX XXXX XXXXXXXX. During that phone call, I answered and simply said " Please do not contact this number again. '' I do believe this was recorded, as it was an incoming call placed to my cell phone. They would have record of this. 

I hung up on the phone call and I assume they must have heard my request, as I quickly received an alert that something on my Credit Report had changed the next day, and it looks the amount they were attempting to collect was reported as owed and delinquent. 

Since then, I have received several calls from this debt collector since then, even after I have explicitly told them to NOT contact me at this number. My phone history shows two attempts on XX/XX/XXXX from them, not even a minute apart on XX/XX/XXXX at XXXX XXXX PST. I believe this to be harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX   XXXX  XXXX {$1300.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX {$0.00} XXXX   XXXX XXXX  XXXX {$14000.00} XXXX  XXXX XXXX {$360.00} XXXX XXXX XXXX {$15000.00} XXXX  XXXX {$4600.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Recently saw my credit report & saw unauthorized credit inquiries. XXXX on XX/XX/XXXX. XXXX XXXX XXXX on XX/XX/XXXX & XXXX on XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

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 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 16. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 17. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan Number : XXXX - XXXX incorrectly reported delinquency for loan payment. 
- XXXX XXXX XXXX  sold my loan to another loan company ( XXXX XXXX ) effective XX/XX/ ( letter attached ) ; therefore, all payments after XX/XX/ should be paid to XXXX XXXX, not XXXX 
- However, IN FACT, XXXX XXXX XXXX  received my XXXX and XX/XX/ loan payments through an auto payment online account ( payment history attached ) - XXXX reported delinquency for missing loan payments in XX/XX/ to the credit bureau caused a massive impact on my credit history. 
- The " Goodbye '' letter received from XXXX indicated " The servicing of your mortgage loan is being transferred, effective XX/XX/XXXX After this date, a new servicer will be collecting your mortgage loan payments from you
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed out a dispute to TransUnion regarding inaccurate information being furnished on my consumer report. In addition to the description of the procedure they used to determine the accuracy of what they are furnishing. See XX/XX/XXXXXXXX and XXXX in attachments below. TransUnion received my dispute letter on XX/XX/XXXX certified mail tracking number : XXXX XXXX XXXX XXXX XXXX seeXX/XX/XXXX 
XXXX XXXX XXXX speaks on accuracy of the consumer report XXXX XXXX XX/XX/XXXXspeaks on a consumer reporting agency furnishing accurate consumer reports; accurate means all values correct. 
XXXX XXXX XXXX ( XX/XX/XXXXspeaks on the description of procedure used to determine the accuracy and completeness of the information being furnished If a consumer shall request this information. 
XXXX XXXX XXXX ( XXXX ) states that a consumer reporting agency SHALL provide to a consumer a description referred to in paragraph XXXXXX/XX/XXXX by not later than XX/XX/XXXX DAYS after receiving a request from the consumer for that description. 
I requested a description of the disputed items XXXX XXXX XXXX TransUnion replied with updated and did not respond in the satisfactorily time allotted by law. See XX/XX/XXXX 
They have completely disregarded my request in not sending me information requested and also directly violated XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXXXX/XX/XXXX 
XXXX XXXX XXXX XX/XX/XXXX states that information that can not be verified as accurate or complete must be deleted in XX/XX/XXXX days. 
XX/XX/XXXX Reinvestigations of disputed information ( XXXX ) Reinvestigation requiredXX/XX/XXXX In general Subject to subsection XX/XX/XXXX and except as provided in subsection XX/XX/XXXX if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
See XX/XX/XXXXXXXX XXXX TransUnion XXXX, XXXX XXXX XXXX. XXXX ( XXXX. XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

WAKEFIELD & ASSOCIATES has listed the same account twice on all 3 of my credit reports. The alleged amount owed, account number, open date and other information is all identical. Its a violation of my rights under the FCRA for the same account to be listed multiple times
Product: Credit card or prepaid card

The payroll department ( my employer ) has brought to my attention I have a new garnishment. When looking into it I found it was for an unpaid balance on a XXXX card. I had 4 credit card balance, XXXX being one of them, that were paid in full XX/XX/XXXX. In XX/XX/XXXX, we paid {$6700.00} to pay the XXXX credit card in full and closed the account. Now I'm being told I owe over {$700.00} and my check will be garnished in the amount of {$380.00} at the end of this month if I can't provide proof. It was so long ago I'm not sure how to do that. I know in XXXX my mother wrote the check in the amount of XXXX but no longer have proof of the account being closed as it was over 15 years ago. Also my employer said that I paid {$4.00}, xxx toward this debt in XXXX and XXXX. I was overwhelmed with medical debt at that time and didn't question it. I feel I do not owe the $ XXXX the collection company is trying to obtain from me as we as the {$4.00}, xxx I have already paid. Please help! The debt collector company number is XXXX and email : XXXX Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I paid off the remaining balance on my four Federal XXXX  student loan accounts with XXXX ( XXXX XXXX XXXX ) totaling {$2200.00}. In XX/XX/XXXX, XXXX XXXX score was XXXX and XXXX in XX/XX/XXXX. By the second week of XX/XX/XXXX, XXXX XXXX credit score dropped 133 points from 686 to XXXX. In addition to the negative scores, my online credit information from XXXX and XXXX XXXX XXXX indicated the factors damaging my credit were : Serious delinquency Presence of serious delinquency on one or more accounts XXXX and Equifax to remove and correct all inaccurate information and any references to the negative reporting of Adverse or Negative and Maximum Delinquency of 60 days and NOT_MORE_THAN_THREE_ PAYMENTS_ PAST_DUE on all 4 XXXX student loan tradelines from my credit file. The negative reporting on all 4 XXXX student loan tradelines are incorrect for several reasons : a. Existing information on XXXX website ( Loan Details ) cites 0 Days Delinquent during term of student loan repayment. 
b. The OK/Current payments recorded in XXXX and Equifax Tradeline Payment History Charts affirms the 0 Days Delinquent information indicated in the Loan Details from XXXX website XXXX 
c. The Equifax Summary Details for Account Status , labels all 4 XXXX tradelines as being NOT_MORE_THAN_THREE_PAYMENTS_PAST_DUE, and XXXX of 60 Days Past Due Date XX/XX/XXXX, contradicts the OK/Current data recorded in the Tradeline Payment History chart sections for both credit reporting agencies. 
d. In the Equifax and XXXX Tradeline Payment History charts, the XX/XX/XXXX ratings section is omitted ( this is the month the loan was paid and closed ) and instead the Tradeline Payment history chart ends XXXX XXXXand is marked with OK payments for XX/XX/XXXX and ALL months prior. 
e. My account can not be 60 or 30 days ( both less than 3 payments ) past due in XX/XX/XXXX when the prior months of XX/XX/XXXX and XX/XX/XXXX are deemed OK/Current ( Due date on XXXX accounts were the XXXX of every month ( there are only 30 days between XX/XX/XXXX, and XX/XX/XXXX ). 
XXXX and Equifax should have immediately flagged the errors and inconsistencies by requesting XXXX to validate or provide the correct data before incorrect or false information is added to my credit file. My credit has been irrevocably damaged causing me great harm. With poor scores and negative information in my file, for the next 6 years or XXXX I will be unable to secure credit, a lower interest rate, any additional lines of credit, a mortgage for a home, or obtain an auto loan. On XX/XX/XXXX, I was already denied a loan from a company with whom I previously had a line of credit which I paid-off in XXXX of XXXX.
Product: Prepaid card

American Express Gift Card purchases declined. New card with {$500.00}. AmEx is declining due to security code but its the correct security code. After reading online, many people are having this same issue when trying to make online purchases. I tried 6 times and all were declined making this {$500.00} card useless. I checked the balance on the AmEx site and had to enter the security code and its the same code theyre declining purchases for.
Product: Credit reporting or other personal consumer reports

In XXXX  0f XXXX, my wife and I went on a cruise. We left out of XXXX to XXXX and then to the cruise. Upon returning, albeit months later, we discovered that someone stole mail from our old apartment and created fake identities to open up fraudulent accounts in my name. The accounts were opened at XXXX ( XXXX XXXX  ) and XXXX XXXX ( XXXX XXXX ). My credit dropped from the XXXX to under XXXX and I immediately filed disputes with Experian, XXXX and XXXX, all on XX/XX/2023, with the expectation they would be removed. I was shocked to receive confirmations from the credit bureaus saying that both companies validated the accounts. I called Experian and was transfered to an identity theft specialist. They told me that I should have chose " Identity Theft '' instead of " Account not Mine '' and walked me through how to refile this and how to file a report with XXXX and a police report. My wife and I went to the stores where the accounts were opened and spoke to employees at both who verified that it was theft, then filed an official report through www.identitytheft.gov and filed a police report. We also froze my credit at all 3 bureaus and locked all future credit and added statements to the reports. However, despite it being nearly 9 months later and after speaking with the companies, Experian, XXXX and XXXX, the accounts are still reported as late and the banks are telling us that we need to pay. We can not buy a new house or get a new lease on our car because of this. When someone slips through the cracks of these big agencies, their lives can be negatively impacted and be forced to deal with financial implications that are beyond their control, and they are not held accountable. I ask that someone gets us the help that we deserve and take it upon themselves to correct this incredible error.
Product: Checking or savings account

I got a balance transfer from a card and received the cash in my Citi account. But the moment I got the cash, Citi put a block on the account and I can't move the money. So I am paying for the balance transfer and earning 0.01 % interest. Clever scam by Citi. 

I chatted with the citi bot, spent 2 hrs at the branch and been on the phone line for 45 mins. No one seems to be able to do anything and losing ~ {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2022 I paid my account like always car payment of XXXX and had a balance of XXXX that wasn't record as of today I paid my car payment as of today current and the credit bureau still have I owe XXXX in the customer portal I owe XXXX I contact the credit bureaus I contacted the XXXX XXXX XXXX who holds the title and they're keep saying their recording I have all my credit reports it's not record. I need some assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies, and their customer service would not help and take care of the negative inquiries reported to your credit report. I have disputed information on numerous occassions, and these inquiries were done quite excessively. 

XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Also the account with Santander Consumer USA has been closed as of XX/XX/XXXX and they have sold the vehicle without my knowledge of doing so, and have an incorrect amount listed that is due.
Product: Money transfer, virtual currency, or money service

My friend sent me a wire transfer of XXXX from his XXXX account to my checking account at XXXX XXXX on XX/XX/XXXX. The other day, on XX/XX/XXXX, someone from XXXX called me and asked what the description means. My friend thought the description is something like a memo line that I'll see, so he left " XXXX me '' which means " send me a XXXX message to me once you see this message ''. I understand this kind of message in the description is confusing and suspicious since XXXX is not a popular social media. I explained all details to the banker and he said that he will send the case to the escalation department for final decision. 

I waited for two days but no update on the account. I called customer service and they said there wasn't any wire transfer coming in. I started to wonder what's happening since I called the banker who first called me the other day but I failed to get in contact with him. And the number he used to call me was not the official phone lines of XXXX. I left him a message asking for calling me back. No replies again. 

Out of the consideration of something wrong is going on, I asked my friend to contact the XXXX  and got the fed ref number for my transfer. I visited the XXXX branch on XXXX XXXX and explained everything again. The bankers were pretty nice at that branch and they did explain that they're holding this transfer because of the description. 

What made me upset is : First, I got a phone call from a number which looks personal. I left him a message and also asked the customer service center to ask him to call me back when he's available. But I didn't receive any phone calls from anyone at XXXX. Second, I was always trying to explain everything and even provided information that I don't have to share with the bank. However, it's taking almost 5 days for this simple case. I spent a lot of time these days calling and visiting the bank, explaining the stories again and again. 

I'm feeling that I was not treated as a customer since I have to work hard on myself to get my own money but it seems to me that Huntington bank is doing nothing. Either to reject or release the money, it should not take this long as I have already explained everything to them several times. 

I attached the receipt from XXXX Hope this can be solved. Thank you for your time.