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

I attempted to file a dispute online but was blocked by the system. 
I am attaching proof of XXXX inaccurate accounts from pages XXXX and XXXX of the XX/XX/XXXX XXXX report XXXX belonging to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not me. I am submitting a copy of the first page of my XXXX  utility bill due XX/XX/XXXX showing that my name is XXXX XXXX and NOT XXXX XXXX XXXX. 
This particular complaint is for XXXX XXXX XXXX listed under page XXXX of the attached XXXX report XXXX dated XX/XX/XXXX for XXXX XXXX XXXX XXXX The payment history shows okay for XX/XX/XXXX yet the last payment was supposedly made in XX/XX/XXXX which makes no sense. On an Equifax report from myEquifax dated XX/XX/XXXX under revolving accounts XXXX XXXX  XXXX  XXXX shows NO late payments ( See attached page from Equifax ). 

This account was never properly verified and I need to know the names and phone numbers of the persons from both the credit bureau and the bank/ financial institution . I never received a true/certified copy of the original application for credit showing the wet ink signatures authorizing and binding myself and the financial institution ( XXXX ). I have no records of signing with my wet signature to authorize the account. 
I never received the true invoices signed under penalty of perjury confirming that the Bank/ financial institution provided their own assets and that the alleged debts are valid. According to 12 USC 83 banks are prohibited from loaning their own assets i.e. shares of stock.

Finally, I never received the accounting statements from the financial institution related to the account i.e. XXXX XXXX, XXXX, XXXX, XXXX and XXXX. 
On top of that various laws have been violated. For example, as per 15 USC 1681 Section 604 A Section 2 a consumer reporting agency can not furnish an account without my written consent. I never provided my written consent/ instructions. According to 15 USC 1681 c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following pieces of information any other adverse items of information other than records of convictions of crime which antedates the report by more than seven years.

According to 15 USC 1681 s-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. 
As a result, this invalid/ inaccurate XXXX account must be deleted INSTANTLY from all of the credit bureaus. Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

have sent letters to transUnion, XXXX and XXXX in regards of errors that are currently on my personal credit reports. I have sent all documentation to support my claims of the inconsistencies with names, addresses and jobs that do not belong on my credit profile along with letters. My credit profile is currently showing 14 different names, 12 different addresses and 4 different jobs. It has been more than 30 days since I have sent these letters, I am really concerned about this issues as it relates to my personal information
Product: Credit card or prepaid card

FIRST PROGRESS CARD - SECURED CARD CARD OPENED : XX/XX/XXXX - XXXX BALANCE - CHARGES NEVER MADE FIRST PROGRESS NEVER CONTACTED ME REGARDING PAYMENT AND PROCEEDED TO INCUR CHARGES ON THIS ACCOUNT AND DID NOT GIVE ME A CHANCE TO PAY ON TIME. I HAD 2 CARDS WITH THEM TO TRY TO IMPROVE MY CREDIT. INSTEAD THEY ISSUED TWO 30 DAY LATE PAYEMENTS ON MY ACCOUNT IN XX/XX/XXXX. THIS CREDITOR IS KNOWN FOR PREDATORY PRACTICES AND TOOK ADVANTAGE OF THE CONSUMER.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX, ACCT. NO. XXXX IS WRONGFULLY APPEARING ON MY TRANSUNION AND XXXX CREDIT FILES. 
I have never opened an account, received a card, charged anything or received any merchandise.My PURSE WAS STOLEN in late 2014 for which a police report was filed at the time.Many accounts were opened and much damage was caused by these thieves. 
Delete the account from my files, I have nothing to do with this company or account.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts still appear on my credit report that were part of my identity theft case.
Product: Debt collection

17 years ago I initiated a conventional mortgage with Libor interest rate. The Collector PHH Mortgage Services XXXX XXXX XXXX XXXX, Pa. XXXX XXXX Phone XXXX XXXX XXXX. Date of loan origination was XX/XX/2008 and the initial payment was XXXX. Now my payment is based on 8.2 % when the Libor is 5.44 %. My contention is that I have paid my loan for the 17 years without a late payment and they using the american rate of interest instead of the Libor. I am requesting they return my loan to the Libor rate instead of SOFR rate and refunding the resulting overcharges for the entire time of the increases.
Product: Debt collection

A payment was missed to TD BANK in XX/XX/XXXX. This was realized upon receiving my XX/XX/XXXX monthly statement on XX/XX/XXXX. Phone calls with no messages left started on XX/XX/XXXX, prior to receiving my monthly statement. On XX/XX/XXXX a message was left. I called back on XX/XX/XXXX, and advised that XX/XX/XXXX and XX/XX/XXXX payments plus XX/XX/XXXX late fee would be paid electronically paid on XX/XX/XXXX. This was 8 days prior to the due date. I received a phone call 30 minutes later. This person acknowledged that they could see they had just called. Since that conversation I have received no less than 2 phone calls per day from this company. They do not leave a message. On XX/XX/XXXX I spoke with an employee and they advised that as long as the bill is behind the automated system dials. Once they talk to the individual they can then see that arrangements have been made. This is a list of calls and times : to # ending XXXX : XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX. To # ending XXXX : XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX & XXXX, XX/XX/XXXX XXXX XXXX. Seventeen phone calls with only 2 messages left over the course of 12 days. Twelve of these phone calls coming after an agreement was made. THIS IS HARASSMENT.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

I was shocked when I reviewed my credit report and found late payment on the dates below on both of my capital one cards, and it's reporting with multiple inaccuracies. 

XX/XX/XXXX-Current XX/XX/XXXX - XX/XX/XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent out a request for verification on several accounts. It has now been over 60 days since that request, and no response has been received for all to the listed accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681 Transunion has violated my rights and continues to report inaccurate data on my credit report. I am starting legal actions against them.

All violations can carry a fine of {$1000.00} each and there are several. This does NOT include fees for my attorney and my own costs to rectify this situation. Transunion could be liable for over {$10000.00} in total court costs. 

1. XXXX XXXX - several times I have spoken with representatives from XXXX, and they have agreed this account is to be removed from my report. I have disputed Transunion over 4 times with this. And yet XXXX STILL shows this account. I am within my legal rights to demand this account be removed from my XXXX report. The account ASLO still shows after disputes inaccurate information! 

2. XXXX XXXX- There are 2 accounts ( closed ), that contain inaccurate information, and when I spoke with a representative, these accounts are okay 'd to be removed from my credit report. The accounts still show and the inaccurate information STILL shows as well.

3. XXXX  XXXX - Collections account - This account was paid in full and XXXX  XXXX greed to remove this from my report and yet it still shows in my equifax credit report! This is a violation of my consumer rights. 

4. XXXX XXXX - This account was voluntarily closed and I spoke with a representative from XXXX XXXX and this account is to no longer be on my credit report. There are also inaccuracies on my report that even after multiple disputes, they still show! 

5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX- This account was also voluntarily closed and after I spoke with XXXX XXXX representative over the phone, they had agreed this account should no longer be on my credit report, but it still shows! There are also inaccuracies on my report. 

6. XXXX XXXX - This account is closed and paid. XXXX XXXX also contacted my father the main name on the auto loan to inform us that they will not seek collections and that this account is to be removed from our credit reports. 

There are multiple inaccuracies in my PII section which my lawyer sent an affidavit demanding removal of inaccurate information. Transunion has NOT done this! 

I am left with no choice but to start legal procedure against Transunion if these accounts are not removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem Having with Equifax is reporting a XXXX  XXXX XXXX Account : XXXX This Account Has exceeded the Statue of limitations allowed. 



By LAW this account must be Deleted off my credit report. It Must be Deleted today.
Product: Payday loan, title loan, or personal loan

Several years ago, there was a big intiative for lending club to incentivize people to bring over ira money and invest it in the peer to peer loans on the lendingclub platform. I agreed to roll about $ 20k from my XXXX ira into this account and invested it in notes. As the notes started to underperform and started to change the return from around 9 % to down to 2 %, I tried to take some money out of the platform. It was at this point that I was told it would cost {$25.00} to take any amount of money out of the account since wire transfer was the only way this could actually occur. Additionally, there's a {$200.00} charge to close the account. 

I've never heard of a fee to be able to close an ira account. Especially with this type of investment it's a problem because the money comes in over a XXXX year period in small increments. The money would have to come in there and sit for years before being able to move it into another investment. 

This was not sufficiently communicated to me prior to my agreement to roll it over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a credit card in my name back in 2017 and credit karma is just now showing me because they're using more than 70 % of the allowed amount and it's hurting me from getting anything I need. Also credit karma told me I could get a credit card myself so when I applied they denied and my credit went from XXXX to XXXX.
Product: Checking or savings account

On XX/XX/2023 My personal Maryland State income tax refund ( {$9000.00} ) was deposited into Bank of America account number XXXX. This was in error as I am not the account holder, XXXX XXXX XXXX is the account owner. Bank of America noticed the error and froze XXXX XXXX account and all funds- On XXXX. XXXX, XXXXXXXX my Federal Income Tax refund was also deposited into the same account ( {$11000.00} ) at the time the account was closed. My tax preparer noticed the mix-up and made myself and XXXX XXXX aware of the mix-up- so we contacted BOA. XXXX XXXX was informed his account was closed, a review and all funds would take place with a resolution on XXXX XXXX. After numerous calls, in-person appearance at a local branch- we have been told the transaction is still under review? The BOA Branch Manager, informed BOA Lost Prevention, Risk Management, Account Closure and Fraud Department, that the deposit was in fact in error as both myself, the tax preparer and XXXX XXXX ( account owner ) sat in-person seeking a resolution to this problem. In the meantime, I notified the IRS, to which they started a deposit trace on XXXX XXXX. On XX/XX/2023 ( conclusion of the XXXX given by the IRS ) I was informed by the IRS that BOA has not responded to the demand for retrieval of the errant deposit, as of this day XXXX XXXX has never received an update for his remaining funds in the account at the time of closure- The State of Maryland informed me they have no recourse to have the deposit reversed and I'm too wait until Bank Of America sends the money back to them.
Product: Debt collection

Okay, I have contacted and spoke with this company numerous times. The company XXXX has been coming after me for years about this debt with XXXX Apartments ran by XXXX XXXX in XXXX in the amount of {$1600.00}. I satisfied all my judgement with them on XXXX XXXX, XXXX. I still have my original documentation from the day I paid them and have kept it just for this very reason. I have sent a copy of this document to them and they still are coming after me stating I owe them now and not the apartment. I moved out of the apartment XXXX of XXXX and satisfied my judgement while in court there is no reason that I need to pay these folks again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 2 bankruptcies on my account ( both are the same but are counted twice ) I disputed to have them removed from my account. The agent I spoke to said that they can be removed but I would need to get ahold of the bankruptcy court that did my bankruptcy and obtain a letter of permission to have them removed from my credit report and they would gladly have them removed. I called my bankruptcy court and tried to obtain the letter. I was advised that they had lied to me and that the courts do not provide any information like this as the credit bureaus and courts are separate entities. The court clerk advised me that it is at the credit bureau discretion whether to keep or remove records. I was lied and gave the run around. Experian can easily remove the records at their discretion but do not.
Product: Vehicle loan or lease

I talked with my representative return the car after it was deemed unreiable, representative stated that i could return and it wouldnt be put on my credit and that he would fix and resell then write off the rest but this was plafce on my credit worthiness
Product: Credit reporting or other personal consumer reports

I created a credit freeze with all XXXX credit reporting agencies. I periodically lift the credit freeze as necessary for access to my credit. In XXXX I created an account with Transunion to lift my credit or for other purposes. That worked fine. Recently, in XX/XX/XXXX, I needed Transunion to lift my credit freeze again. I went on Transunion 's website and unable to log in, I forgot that I had created an account in XXXX and what email address I used. I used an alternate email address to create an account with Transunion to lift the credit freeze. Because I used a second email address, Transunion has set a fraud lock on my account. I am unable to lift a credit freeze unless I call them. I called them and they explained all of this but said the only way to lift the fraud lock is to send an unsecured email of my personal information to them ( photos of both my driver license and SS card ). I said I didn't want to do this. 

I am now trying to call Transunion again to lift the credit freeze, because that is the only method available to me, and I've been on hold for XXXX minutes. This company is terrible with incompetent representatives. It is so much worse than the other credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXXXX/XX/XXXX
Product: Checking or savings account

Tdbank processed a transaction against my debit card for a yearly car insurance policy which overdrafted the account even though I declined overdraft protection. They then did bill pays and charged additional fees again for these legitimate draws on the account. The first transaction was not declined as per the law. The first overdraft created a negative situation that would not have happened if they declined it as they are expected to do when overdraft protection is declined. They argue it was a legitimate overdraft, and hit me 2 other times with additional overdrafts even after I transferred funds from another td account before the other bills were paid.
Product: Credit reporting or other personal consumer reports

I was laid off due to the pandemic and called Discover Bank to make accommodations to ensure my credit would not be impacted because due to my hardship. I recently check my credit report in XX/XX/XXXX. I called Discover and was assured the late payments were in error and would be updated and removed. I checked my report again XXXX and XXXX and seen the payments still being reported. I contacted XXXX and XXXX and requested verification of me being late. I have not received a response and this is severly impacting my payment history. Reporting inaccurate late payments to my profile is in violation of 15 USC 1681 s-2 ( f ), those payments were covered under CARES ACT. After calling to ensure the LATE PAYMENTS ( XXXX, and XX/XX/XXXX ) reporting was in error, this further violates 15 USC 1666B.
Product: Bank account or service

PNC Bank changed my checking account. I opened my checking account with National City Bank when I was in XXXX school it was a free checking account. When PNC aquired National City I was informed nothing had change with how my account operated and if something were to changed I would have a say in what product to choose from as they offered different checking account options. I never got anything notifying me of a change to my checking account. I had {$15.00} to {$20.00} dollars in my account they took it all with charges based on changes they implemented. When I called in the 1st guy said sorry and that he would do his best to issue me the funds. He would open a ticket with a manager to contact me - the manager said my money would not be refunded as i did not comply with the account rules. Again they changed the rules. In addition, I learned that they do offer free checking for online banking but did not change my bank account to that option or asked me what option i would want to take due to their change in policy. I mean they should have provided me the option as their customer to decide what checking account would work best for me based on them changing their products. Instead they caused me headaches and money and have lost me as a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

FED LOAN SERV XXXX Never Late Improper Amount Inaccurate Duplicate Loans
Product: Checking or savings account

I been having problems with my card.com card & account I find out after trying to use my debit card at the atm card.com disabled it soon as my refund of XXXX from the irs deposited into my account XXXX, XXXX XXXX also no one noticed me of this an still hasnt I had to call an still do the support email is a joke they dont communicate to you at all! I had to call an see why I couldnt see my account or use my card I called to see what going on an the customer support agent said they needed documents to verify my identity for my money that came from the irs so I provided that, I gave them pictures of my ssn my id, letter with proof of my current address on file because my id card has my old address not my current address they asked for 48 business hours to verify that information I send over once again then I call back 48 business hrs later as the timeframe asked an they said now they needed my letter to have an date on the letter for it to be current of the month an pictures of my 10-99 or 10-40 form I provided everything still no update or nothing on my account my refund is a very serious amount this has been going since XX/XX/XXXX i been contacting them everyday and night by phone and email Im late on bills an will be on the streets by XX/XX/XXXX because of card.com
Product: Mortgage

My name is XXXX XXXX My mortage loan number is : XXXX with wells fargo home mortgage. I made 2 mortgage payments on XX/XX/2018, payments were processed at the Wells Fargo Branch. I have spent almost 3 months trying to get both mortgage payments applied to my mortgage balance. 

Wells Fargo has now transferred my mortgage to a debt collections agency called : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has called me 3 times on XX/XX/2018 for the puropose of collection a delinguent debt. XX/XX/2018 & XX/XX/2018 I received in the mail a mortgage default/foreclosure notice from XXXX XXXX XXXX. 

Wells Fargo cant seem to get my 2 missing payments applied to my mortgage balance and has now transfferred my mortgage to a debt collections agency. I have lost a great deal of sleep and personal time and effort with providng bank statements, cancelled checks and numerous phone calls daily in an effort to get this correct. Now my house is in defualt and possible foreclusre as a result of Wells Fargo errors.