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

XXXX XXXX XXXX I HAVE NO KNOWLEDGE OF THIS ACCOUNT. 

I HAVE DISPUTED THIS ACCOUNT WITH ALL 3 CREDIT AGENCIES they report it as accurate but its not and its ruining my credit score.. 

this date of this account is also wrong in accordance with the Fair Reporting Act XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have a 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 instuctions.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX someone hit my car from behind I made a payment in XXXX XXXX the insurance company said the car was total out so in XXXX I didn't make a payment the reported a late payment on my credit report knocking my score down XXXX points after they have been working with the insurance company I call and ask when are they gon na remove this late payment they stated they would but didn't remove the late payment I didn't everything they ask of me to do an I don't have the car
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX 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

The credit bureau 's were reporting a bankruptcy and that the courts do not verify a bankruptcy and therefore they the credit bureau pulled the information from a third-party reporting agency and therefore that information must be deleted.
Product: Credit card or prepaid card

On XX/XX/XXXX and XXXX, 2022 Avant credit card charged my account for XXXX purchases and 1 that was declined. On XX/XX/2022 I had XXXX available credit. By XX/XX/XXXX I have XXXX. Just like me everyone who has an account was hacked. Luckily I lost XXXX compared to thousands others have lost. In order to speak to customer service I had to wait hours on the phone to file a lost/stolen report. Avant still has not send out a mass email informing consumers about the data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX report my Student loan account late to the credit bureaus which caused my credit score to decrease by 109 points. The president paused student loan payments in XXXX. I recieved an email about my student loan being late so just in case I requested a deferment to be safe on XX/XX/XXXX, on XX/XX/XXXX they reported my loan late. I have my student loan reported late, but now during Covid when the president paused student loan payments and after I requested a deferment XXXX reports my students loan payments late. Decreasing my credit score 109 point has caused hard ship I have worked very hard to raise  my credit to XXXX right before I get to 700 they do this.
Product: Bank account or service

I I have been a Bank of America for about 12 years. Today I received an email stating my Savings account which is linked to my E-Checking count to avoid maintenance fees is no longer applicable. The email had the audacity to state the " waiver '' I have been receiving is being removed. First and foremost XXXX has not been granting me a special waiver. The maintenance fee has not been charged due to the fact it is linked with my E-Checking which I was advised to do when opening account and agreed upon. Secondly the email then advises I must open another type checking account to continue not being charged the maintenance fee. Bare in mind the minimum for these accounts are about {$20000.00} as is the Preferred Rewards option.Surely there should be a grandfather option.Nothing was advised when opening this account that XXXX would come after the fact and force other options after agreeing to link E-checking and savings for no maintenance fee.Its principle and not a good way to do business.I bank at XXXX other establishments as well and never had this issue.I called customer service which apparently no one is working. As I was on hold an unacceptable amount of time over 70 mins being disconnected or no one to answer and had to head back to work.Constant automated message about call volume.
Product: Credit reporting, credit repair services, or other personal consumer reports

i XXXX XXXX entered into a consumer credit transaction with XXXX several years ago. A consumer transaction that i never gave any written consent to report anything on my consumer report.
Product: Debt collection

Someone by the name of XXXX XXXX continues to call my number and family members who are distant relatives leaving threatening messages that they are going to sue me or garnish my pay for a past debt that was included in a bankruptcy in 2012. I've contacted HSBC and XXXX XXXX and they have no information on any accounts in my name that this individual or company is claiming to sue me for. I've given them my attorney 's contact information in XXXX XXXX, CA and yet they still continue to call me and harass me with threatening messages. I have no record of the account they are referencing and it does not show up on any credit reports dating back to 2012.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 4 loans that was in default with the US Department of Education that appeared on my Transunion credit report. Please note that these loans was consolidated into one loan through XXXX XXXX, under account number XXXX.
Product: Debt collection

Jefferson Capital Systems , Inc. and now XXXX XXXX XXXX have reported a debt on my credit report and continuously attempted to collect a debt that is not and has never been my debt, nor is it an account for which I am knowledgeable or a guarantor. 

I have contacted XXXX XXXX, the listed debt description, in person and by phone on numerous occasions. XXXX has confirmed repeatedly by phone that no debt exists in my name or related to my social security number. Despite reporting this to the credit bureaus and debt collector, the debt continues to be reported against my credit. 

The amount of the debt listed is {$680.00}. The current debt collector is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. Their reference number is XXXX. The same debt is also reported by what appears to be a related company, Jefferson Capital Systems. Inc. 

Thank you for your assistance.
Product: Payday loan, title loan, or personal loan

My husband and I applied for a business line of credit in the amount of {$55000.00} on XX/XX/XXXX. We both have personal accounts and business accounts and credit cards through Wells Fargo. My husbands credit score is over 800, mine is in the 700s. We have 100 % on time payments. Our debt to income ratio is low and we always keep our credit cards at less then 10 % usage. I had a bankruptcy that was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Since that time there has been nothing negative on my credit report aside from a couple hard inquiries for auto loans, which I have then received. The bank denied us based on my bankruptcy 7.5 years ago.
Product: Credit reporting or other personal consumer reports

I was checking my Equifax report and I found out a lot of fraudulent and incorrect inquiries I never applied for it. And I contacted equifax about it to the verify and turn up to be not verified but they didn't remove I request to remove them
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to handle my credit file in a respectable proper manner. Equifax has assigned my file to a representative who doesn't return calls or service my file. I've left several messages and have yet to get one single returned call. On top of the mishandling of my file Equifax has failed to address the issues relating to fraudulent accounts listed in my credit report. I have provided Equifax with Police Reports and Fraud affidavits to help address the fraud accounts but has failed on deaf ears. Equifax doesn't do a thorough investigation to prove the validity of my claims nor does it make the furnisher provide sufficient proof especially relating to the ID Theft. If they fail to address my claims, I will have no choice but to seek relief from Equifax in Federal Court and sue for damages due to the amount of damage their inaccurate reporting is causing me and my family. Equifax has failed to remove the following fraudulent information from my file : 1. XXXX XXXX XXXX XXXX 2. XXXX   Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 3.XXXX XXXX XX/XX/XXXX , XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted Equifax Consumer Services multiple times ( 8 ) in an attempt to remove XXXX un authorized inquires off of my credit report. During each attempt to have these inquires removed Equifax representatives have told me that they disputed them and I should have my results within 30 days. When my results came back 30 days later they say they are factual records. I have asked for proof of how they are factual records, but have never received anything from them to support there investigation.
Product: Credit reporting, credit repair services, 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. 
Account name : XXXX, Account : XXXX, Account : XXXX XXXX XXXX Card Account : XXXX XXXX has violated my rights. Or list of inquiries 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 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: Credit card or prepaid card

Hello, I have a complaint to the bank of citi bank, since 3 years ago I Applied for a secured credit card which made me make a deposit of XXXX dollars, which to date they have not wanted to return, they have sent me 2 letters telling me that they can not return it to me, and when i deposit it they tell me that within a year they will return it to me and it has not been so
Product: Credit card or prepaid card

XX/XX/2019 when I found out XXXX was sold out to capital one I closed my account. So my last payment was XX/XX/2019. Closed account so now its showing twice capital one and XXXX closed account took my FICO score down its should just be one not both
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect, and they are adversely affecting my livelihood. 
XXXX XXXX XXXX Acct. XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct XXXX
Product: Debt collection

This account is with Trojan which shows the original creditor as a   XXXX    office. I have no knowledge of this debt and I have asked multiple times to verify this debt as mine. I have not got any proof that this is my account. First off I had   XXXX   insurance and anytime I had a bill or went to the docs it was paid by my insurance. Second it is HIPPA violation to release any information to a creditor or any one else. If this is my account I would have signed a hippa form to not disclose my information to anyone so this would be against the law that Trojan has the account and is reporting it to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the creditor, nor the account that is being reported. I do not owe XXXX XXXX XXXX located at XXXX. XXXX XXXX XXXX TX XXXX. 
This has been reporting on my credit profile and ruining my credit. They are unable to provide signed contract for services and will not provide proof of identity. Please remove from credit profile.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX Social Security NumberXXXX XXXX ChexSystems, Inc. 
XXXX XXXX XXXX XXXX, MN XXXX Subject : Urgent Request for Fraudulent Inquiry Removal Within 24 Hours Dear ChexSystems Representative, I am writing to demand the immediate removal of fraudulent inquiries from my ChexSystems report. I have been a victim of identity theft, as documented in the enclosed FTC Identity Theft Report. The unauthorized inquiries listed below were made without my consent, and I require their removal within 24 hours. 

The fraudulent inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I insist that you : 1. Investigate these inquiries immediately.

2. Remove all unauthorized inquiries and related records from my report within 24 hours.

3. Provide written confirmation of these actions.

Enclosed are the following documents to support my dispute : 1. FTC Identity Theft Report.

2. Government-issued photo ID.

3. Supporting evidence for my claim 4.

This matter requires urgent attention to avoid further damage to my financial standing. If this issue is not resolved within 24 hours, I may escalate the matter by filing complaints with regulatory agencies or seeking legal action. 
You can contact me at XXXX or XXXX for further information or clarification. 

Thank you for addressing this issue promptly. 


Sincerely, XXXX XXXX XXXX
Product: Mortgage

I ask for help to put my mortgage back on track. The offer was trial period and then i will be back on track. The issue is they want me to place lien for XXXX on my property. This will hinder me from refinance or taking a heloc.I felt placing the XXXX on back of mortgage will be suffice. A lien wll put a note on my home and will hinder me from utilizing my sweat equity The help is not helpful. The economy and inflation and daughter in XXXX  cause me to have small set back. enclosed is the documents
Product: Money transfer, virtual currency, or money service

I used PayPal to make a purchase from XXXX XXXX on XX/XX/XXXX. I requested expedited shipping for the item.  XXXX XXXX   guaranteed delivery on XX/XX/XXXX.  Is recurved a notice from the shipper that the item would not arrive until after XX/XX/XXXX. I immediately called XXXX XXXX to cancel . They refused to refund me for 10 days.  PayPal claims to have a payment protection program, where if an item is not received they will refund you.  PayPal has not honored their policy and is protecting the vendor by allowing them to be non responsive for 10 days and hold my money
Product: Money transfer, virtual currency, or money service

DEAR CONSUMER FINANCIAL PROTECTION BUREAU IM REACHING OUT TO THIS AGENY TODAY BECAUSE IM HAVING DELAY PROBLEM ISSUES WITH & XXXX XXXX XXXXXXXX GOES THE BY NAME OF AXOS BANK SO THE CONSUMER CUSTOMER CAN EXPLAIN MORE IMFORMATION ABOUT WHAT TYPE OF PROBLEM ISSUES HE HAVING WITH AXOS BANK REGUARDING DELAY OF MOBILE CHECK DEPOSIT WAS SUBMITTED INTO HIS AXOS MOBILE CHECKING BANKING APP OVER THE PHONE TODAY AFTER THE CONSUMER DEPOSIT MOBILE CHECK DEPOSIT AMOUNT {$2000.00} MOBILE CHECK DEPOSIT RECEIVED CONFIRMATION NUMBER XXXX XXXX EMAIL ADDRESS THE MESSAGE CAME FROM TRANSACTION DATE OF CHECK AMOUNT XX/XX/2022 CHECK TRANSACTION DATE WAS APPORVED ON THE SAME DAY THE MOBILE CHECK WAS DEPOSIT THOUGHT AXOS MOBILE APP ON MY SMARTPHONE TIME CHECK DEPOSIT XXXX AXOS BANK ARE WITH HOLDING THE CONSUMER FUNDS AFTER HE RECIEVE MESSAGE SAYING THE CHECK TRANSACTION AMOUNT FOR {$2000.00} BEEN BEEN RECIEVE & APPROVED THE SAME BUSINESS DAY THE CONSUMER REACH OUT TO AXOS BANK CUSTOMER SERVICES DEPARTMENT TELEPHONE NUMBER XXXX THE AXOS BANK ARE TELLING THE CONSUMER CUSTOMER HE HAS TO REACH XXXX BUSINESS DAYS BEFORE THE FUNDS CAN CREDITED INTO HIS PERSONAL CHECKING ACCOUNT WITH AXOS BANK AXOS BANK ARE REFUSING TO RELEASE MY FUNDS TO MY CHECKING PERSONAL ACCOUNT I HAVE THOUGHT THERE BANK
Product: Debt collection

I received a letter from a collection company on XX/XX/2023. It was stating that I owed money for an apartment on XXXX Nevada. I have never been to Nevada nor have i ever heard of the company that the money was owed too. I called the collection company to inquire about the charge. They were very rude and not wanting to help. They asked for personal information like last 4 numbers is social security number and when I refused to give it he got very pushy to get the information. They asked for a phone number and when I asked what they had on file it did not match my number. At this point he got angry and talked so fast with threats that I did not fully understand. I had a feeling this was a scam and he was trying to get my information so I discontinued the call. I looked up the leasing company on the letter and called the number on their website. We told her about the letter and asked if she could let us know if this was a scam or did someone rent an apartment in my name. She could not find my name in her system but asked if we could email her a copy of the letter. She said she would show her manager and get back to us with some answers. That was 3 days ago.
Product: Debt collection

Notified company that this debt is fraudulent and that I did not open this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and I noticed that I had several unknown accounts for books from old schools that shouldn't be there they keep reappearing an account I paid them $ XXXX this year i have a receipt there should be no balance. I have several companies that are unknown and I never done business with this information is costing me high interest and fees. I'm doing my best to buy a house but the inaccurate information is stopping me when it keep reappearing or accounts that I don't know what they are nor have I done business with them. These have to be removed all the multiple name spelling and wrong address information it literally could be anyones information. please remove these items.. 
hard inquires that are over 30days old that im not doing business with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MN XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX addresses with inaccurate info they may belong to a relative XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX all companies that need to be removed will be highlighted in the credit report i have listed in the documents section because there are so many of them that are unknown to me. my correct name spelling and information will be listed as well and i have opt in the credit system as well to stop all the random accounts XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Consumer Loan

I have no knowledge of this debt and I would like it removed as it is reporting to the credit bureau and is negatively affecting me.
Product: Mortgage

I'm not sure if I'm in the right spot for a complaint or not but it's worth a shot. My conventional mortgage on my home was transferred to Flagstar Bank in XX/XX/XXXX. I've been paying {$120.00} per month in PMI on my loan. My escrow analysis was run in XX/XX/XXXX by XXXX. After reviewing the XXXX analysis, I noticed that my PMI amount increased monthly to {$240.00} per month. I called XXXX immediately ( XX/XX/XXXX ) after noticing the increase because PMI is not supposed to increase. The first representative tried to tell me my PMI amount has always been {$240.00} but I knew that was wrong, so I asked to speak to someone else. The next person told me that the additional amount was for something called a rural annual fee which she couldn't explain to me. I looked this fee up and it seems this is PMI for USDA loans in rural areas. My loan is not a USDA loan and I live within the city limits of XXXX FL so neither of these apply to my loan. She said she was going to ask for an escrow analysis to be re-completed to remove this from my account but as of XXXX. on XX/XX/XXXX this has not been completed. I called again on XX/XX/XXXX and the bank said they were going to mark my request as urgent for an escrow analysis re-run. 

This all matters to me because this issue has both increased my payment starting on XX/XX/XXXX due to the additional {$120.00} per month and has also caused an escrow shortage on my escrow account in the amount of {$1400.00} which in turn also causes my monthly payment to increase again. I feel like this bank is trying to deceive people on the PMI portions of their escrow accounts. Their lack of urgency in resolving this matter or getting me an answer at all really makes me feel as though they have a deceptive practice going on.
Product: Credit card or prepaid card

A Synchrony Bank Visa card payment of {$2900.00} was received and cashed on XXXX XX/XX/2021 as my XXXX XXXX confirms. This has not reflected in my Verizon Visa account. I request this reflect immediately. I have communicated with this bank repeatedly concerning this.
Product: Debt collection

The debt for XXXX XXXX for {$1200.00} does not belong to me and I have no knowledge of this account. This debt has been improperly reported on my credit report.