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

On XX/XX/XXXX I received an email from my credit monitoring company that a collection account was added to my credit and my credit score dropped by 108 points as a result. The account is an account that was opened by my ex husband either alone or with his ex wife in XXXX which was 6 years before we met and 7 years before we married. He added me as an authorized user to his main USAA account so my paychecks could direct deposit into his checking account and the account showed as an individual account on his credit up until he recently filed for bankruptcy. After the credit card company processed his bankruptcy they then changed the account without my knowledge or consent from me being an authorized user to a joint account holder deciding i was liable for the account since they couldn't collect from him. I never agreed to be a joint card holder nor did I agree to be responsible for his debt. This account has been past due since XXXX and was not deemed mine by USAA until my ex filed bankruptcy so they couldn't collect from him. Since this was solely his account and from prior to our marriage even our divorce paperwork shows its solely his account. I contacted USAA and they told me this has happened so many times when they add an authorized user and make an error and put them as joint owner without their permission that they dont even allow authorized users anymore. I provided USAA, XXXX and XXXX all with a copy of my marriage certificate to show we were married 7 years after this account was opened and a copy of my divorce court paperwork to show this is only his account and a letter explaining the situation and they refuse to remove it fro my credit. I did not sign agreeing to be a joint owner of this account and did not agree to it verbally.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit injuries and i have ask the credit bureaus to remove them and they have not. i will attach the identity theft report and want this removed. they are not mine.
Product: Mortgage

I HAVE RECEIVED AN APPROVAL FOR A FORBEARANCE AGREEMENT ON XX/XX/XXXX STATING THAT I WAS APPROVED FOR A PAYMENT OF {$0.00} FROM XX/XX/XXXX THROUGH XX/XX/XXXX. NO DOCUMENT NEEDS TO BE SIGNED OR CALLED ON, ONLY IF I HAVE QUESTIONS WHICH STATES ON PAGE 1 OF 4. I AM COMPLYING WITH SETERUS REQUEST AND THEY STILL SOLD MY HOME ON XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is actually my second complaint against the Credit Reporting Agencies this year. I placed a dispute in as I am victim of Identity theft in XXXX via the mail and I received no response. I then went forth to upload direct into the CRA and sent the dispute via fax at the end of XXXX. The dispute was submitted with supporting documents on the basis of Fair Credit Reporting Act, Section 605b which states that a victim of identity theft that has accounts breached or established without proper authorization or benefit should be blocked in 4 days. I have attached the supporting documents to this complaint entry.
Product: Debt collection

Macys is reporting inaccurate information on my credit report. I have put in several disputes with credit bureaus but its still coming back as verified information and its not. Its also occurring interest on a closed account. They are reporting {$810.00} as amount owed, and it was charged off for the amount of {$730.00}. It stated my credit line was {$800.00} and thats not true either. 
I also would like to dispute the inaccurate information about the opened date, one bureau says opened opened XX/XX/XXXX another bureau stated it was opened XX/XX/XXXX. 
Due to all these violations please remove this account from my credit report. It is stopping me from being approved for a home loan.
Product: Checking or savings account

So about two-three weeks ago, someone withdrew money from my savings account at a Wells Fargo Branch and stole about {$59000.00} in my savings. I called the bank the same day and closed that account and filed a claims report. The next day, someone went to multiple ATM machines ( at a Wells Fargo ATM ) and withdrew and purchased an amount close to {$1500.00} dollars in my checking account using a fraud debit card and my pin number. I called the bank the same day and closed my checking account. 
That same evening on the XXXX or XXXX, I went inside a Wells Fargo bank and opened a new checking/savings account with a debit card and pin number. I also filed a claims report on the checking account that had fraud on it. Now XXXX days ago, I received a letter in the mail from Wells Fargo stating that they did find evidence of a fraud activity in my savings account but not in my checking account and reversed the credited amount that was stolen from me. Today on XX/XX/year>, I went to the sheriffs department to file a police report because i asked Wells Fargo to check the ATM cameras and confirm that it wasn't me so that I can get my money back. However, since they do not know who the perpetrator is, the sheriffs department advised me on submitting a report here. 
At this point, I just want the money back that was stolen from me in my checking account, I asked Wells Fargo to check the ATM camera but they declined this, I spoke to theirs managers and they said there was no fraud but I am telling them that this is a fraud and I have evidence to show but they are unwilling to accept it. It just feels like Wells Fargo is pushing this away when I just want my hard worked money back. What next steps can we do?
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : DOE XXXX - XXXX XXXX XXXX XXXX DOE XXXX - XXXX DOE XXXX - XXXX DOE XXXX - XXXX DOE XXXX - XXXX DOE XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX DOE XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX Bankruptcy XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

I received a small loan just under XXXX dollars. I was supposed to pay it on the XXXX when I received my monthly check I was confused about the start of the loan and missed first payment but the next month they took XXXX payments at once now this was not the original agreement the only reason they would have access to my bank is if I refused to pay I simply was confused on the actual start but I wanted to stay in good standing and I had the money in there so I let it go but I called them let them know I would call or come in for all XXXX payment and the woman I spoke to supposedly noted my account, I was then working for XXXX rideshare companies making good money and monthly until my vehicle was damaged due to a no fault of mine accident a d rear-ended and the At person was on a revoked license long story short I was screwed the insurance companies refused to pay this put me out of work so I contacted them to prevent any charge @ and still on the XXXX they instantly took there payment even tho I ask for them to let me pay over phone due to other automated payments for bills they caused my bank to overdraft witch ended up being around XXXX XXXX in fees so one again I called them I withdrew XXXX permission to have access to the account and ask again please let me pay with card but once again in XXXX they did it again causing another overdraft witch will end up at XXXX because of this I was unable to use my card as a deposit for a car to rent through my rideshare to work and so far XXXX paid more in fees to my bank thanks to them then my actual loan, well they called wanting a payment I ask the girl to XXXX XXXX pay XXXX on the XXXX that I needed my account for car and I would be a XXXX to pay more by working with me she tell me well you gave us permission when you signed up to take it and we will I only ask they work with me but after she said that I told her I'm withdrawal my permission to access and take from my account she became very nasty well if you XXXX that it will go to collections and we will sue you with attorney! I never said I would not pay but if they can't be willing to stop trying to take what's not there they will never get paid and I will just pay bank fees instead of them I only ask they waited til XXXX one extra day for payment and to nit access my account t she hung up on me refused to note my account and told me she couldn't withdrawal permission and I ask well who can and she threatened me again saying they would take it and I told her only government can take my check and that I would report them here and she hung up I can not believe they rather me fail and not pay them to retain access to account that will continue to have nothing, iv debt wish several employees with the same result I XXXX refused any payments and as far as I'm concerned would have been paid in full if not for the fees they caused when I withdraw my permission and they still did it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance Owed : {$920.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX  XXXX Balance Owed : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance Owed : {$0.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} - This account is showing several violations. You are reporting a Monthly payment on this closed account. These are violation please delete this account. 

XXXX XXXX XXXX XXXX Balance Owed : {$620.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this.
Product: Credit card or prepaid card

On Sunday XXXX I called Citi Bank to report our card was lost while on vacation and there had been some high dollar transactions made on my card. An agent named XXXX called me back and left a message on Thursday XXXX asking to give them a call back. When I spoke with her she said some transactions were not reported, so we got that straightened out. XXXX then began asking me what happened, to which I told her i believe the card and my ID was left in a taxi I took while I was on vacation, she then told me my story was not making sense and asked why I did not file a police report, and then stated they need a police report and plane tickets. I don't know why this would be required, or why this has become such a more embarrassing issue than what it should be, as if I am to blame for these transactions. She would not answer my questions about the claim or the process and I asked to speak to a manager. I was told I would receive a call back from one today XXXX and I have not gotten a call back from anyone. She also told me she would be sending me an email with information they're requesting and I have not gotten that either. I am worried about these transactions still showing on my credit report and on my account and I am afraid I am not going to be given a chance to have this resolved. It was the most unacceptable encounter I have ever had with a financial institution and refusing to file a fraud claim or even delaying it once have already told them I lost my card is just horrible business practice.
Product: Vehicle loan or lease

Account number XXXX this loan was in my husbands name XXXX XXXX he passed away on XXXX we had repeatedly fax documents over the course of loan to add me as a authorized user and verbally also I notified them in XXXXXXXX XXXX that he passed they wouldnt give me any account information told me to go off of statement that comes in mail and a death certificate was mailed in to them also I made several payments to them and still no luck of retaining information I continued to live at the address on there file until XXXX XXXX still dealing with them ( I carried insurance on this vehicle until XXXX XXXX and had in my possession ( my name only ) I received mail from them addressed to him by name and some that says estate of him received several checks made to him ( he is dead ) and I finally had enough when they sent a check for XXXX to him and I called them was a bad experience expect me to continue to pay on something never knowing if I would ever see the title and them addressing him as he was alive it just hit me wrong two years after the fact and I told them to come get the vehicle and where it would be located they sent a repo man within a few days he knocked on door and asked for my dead husband and said they had the repo as as a skip and hide well I can assure I did go get my husband from the mantel Wells Fargo has screwed people over for years but a low blow when they cant even have respect for someone dead they gladly took my money ( only my name on the bank account and let me insure it but wasnt good enough to talk to if I was a skip or hide why didnt it sit in driveway for 15 months after he passed away I just want this to be known still boils my blood
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert that XXXX had performed a hard inquiry on my credit account, I do not know who these people are or what this company does or how they got all my personal info. I attempted to contact this company, their phone lines aren't monitered. I emailed them and they claimed they were owned by XXXX I then contacted XXXX Via phone and email, their phone reps said it was a mistake made by TransUnion, and it was not their fault at all. THEN I contacted TransUnion Via phone and XXXX, their XXXX rep confessed it was their fault, however their phone rep claims it was XXXX. So at this point I was very confused, everyone admitted it was a large mistake, they just didn't want to accept blame. 
I started to do some research, apparently this happened to a LOT of people. By this point XXXX and XXXX hae thid posted on their XXXX page about this, you can check them out for a better idea of how many peopls mistake affected. Today, XX/XX/XXXX TransUnion has admitted fault and claims it will be removed from my account ASAP, but no one would ever tell me what they were doing with my personal information, and how they intended to use it. I understand to them it may have been a mistake, but this is my life they are playing with, XXXX claims it will take weeks even IF they remove it for it to fall off my account, and there's no guarantee that my credit score will recover after this is fixed. Please look into this. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to late markers reporting on an account through XXXX XXXX XXXX, which consequently is reported as a conventional mortgage on my credit profiles, I had enlisted the assistance of outside help to try and correct this matter. On XX/XX/2021, I had submitted a dispute to XXXX directly referencing account number XXXX ( attached ). Additionally, after not hearing back, I had submitted an electronic dispute with XXXX and Equifax directly on XX/XX/2021. Following the 30 days allotted for the dispute to finalize and not receiving any responses as to the status of my disputes and by this account still reflecting as being disputed through the bureaus, I had sent a second request to XXXX and informed them that I would be unable to make my upcoming payments due to them attempting to collect on a debt that I had disputed through both the XXXX directly as well as through the credit bureaus. I had asked that these accounts be placed on hold until being provided with the information requested. There had also been a second request mailed directly to XXXX on XX/XX/2021. After still not being provided with the documentation requested and still no responses from the bureaus, a second dispute to reinvestigate was filed electronically on XX/XX/2021. Again, I hadnt heard back from the disputes filed and the request to postpone my payments had been ignored causing a XXXX and XXXX late marker to be reported as late conventional loan mortgage payments. Again, on XX/XX/2021, and XX/XX/2021, I had sent additional requests to XXXX directly and again was never provided with the information requested. I had cancelled the service through the company I hired and studied my rights under the FCRA and the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I got a notification with '' changes in your credit score '' and I checked my credit score. It was dropped by XXXX points and I notice a new credit card was added into my account. I was shocked by the incident. Then I escalate the issue to XXXX and told them " Someone has applied for a credit card on my name ''. 

Based on the information they provided to me. I reached out to the bank and reported the fraud.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I notified credit works that my spouse was XXXX  and I was requesting a reduced interest rate base on the XXXX XXXX XXXX XXXXXXXX. Which reads as follows : Universal Citation : LA XXXX XXXX XXXX ( XXXX ) XXXX. Limits on creditor interest rates A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/XXXX, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding six percent per annum during the period that the person is XXXX on XXXX XXXX. 
B. Notwithstanding any provision of law to the contrary, interest or finance charges in excess of six percent per annum that otherwise would be incurred but for the prohibition in Subsection A of this Section are forgiven. 
XXXX XXXX amount of any periodic payment due from a person, or spouse of a person, who is on XXXX XXXX under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under XXXX XXXX of this Section that is allocable to the period for which the periodic payment is made. 
D. In order for an obligation to be subject to the interest and finance charges limitation of this Section, the person, or spouse of the person on XXXX XXXX, shall provide the creditor with written notice and a copy of the XXXX XXXX XXXX orders calling the person to XXXX XXXX and of any orders further extending XXXX XXXX, not later than one hundred eighty days after the date of the person 's termination of or release from XXXX XXXX. 
XXXX Upon receipt of the written notice and a copy of the orders referred to in Subsection D of this Section, the creditor shall treat the obligation in accordance with Subsection A of this Section, effective as of the date on which the person is on XXXX XXXX. 
XXXX XXXX court may grant a creditor relief from the interest and finance charges limitation of this Section, if, in the opinion of the court, the ability of the person, or spouse of the person, on XXXX XXXX to pay interest or finance charges with respect to the obligation at a rate in excess of six percent per annum is not materially affected by reason of the person 's service on XXXX XXXX. 
Acts 2005, No. 296, 1, eff. XX/XX/XXXX. 

I followed up with a phone call on XX/XX/XXXX and was told I would receive a call back on Monday, XX/XX/XXXX. I did not receive a phone call, so I sent another email on XX/XX/XXXX. I received a call back from XXXX and she told me my claim was being denied because the law does not cover spouses. As you can clearly read in Section C, it does cover spouses. I requested a response in writing and she told me she could not give me a response in writing. This is my 2nd loan with this company and the loans are offered through my employer, XXXX XXXX which operates primarily in the state of Louisiana. I attached a copy of my husband orders and as well as our marriage certificate and they still refuse to comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you in regards to the bankruptcy and charged off accounts that appear on my credit report. These accounts have caused me a great deal of distress, as they are preventing me from obtaining credit and moving on with my life. 

In XXXX, I filed for XXXX  XXXX bankruptcy ( discharged XXXX XXXX bankruptcy account ) as I was unable to keep up with my debts. Since then, I have been working hard to rebuild my credit, and I have been making steady progress. 

However, I have noticed that several accounts that were discharged in the bankruptcy are still being reported as charged off ( DEPT OF ED/XXXX XXXX charge off account, XXXX XXXX charge off account, XXXX XXXX XXXX XXXX charge off account, XXXX XXXX XXXXXXXX charge off account, XXXX  XXXX XXXX charge off account, XXXX  XXXX XXXX charge off account, XXXX XXXXXXXX charge off account, XXXX XXXXXXXX charge off account, XXXX XXXX XXXXXXXX charge off account, XXXX XXXXXXXX XXXX XXXXXXXX charge off account, XXXX XXXX XXXX XXXXXXXX charge off account ). These accounts should have been included in the bankruptcy and should no longer be listed as charged off. 

I understand that it can take some time for credit reports to be updated, but it has been several years since the bankruptcy was discharged, and these accounts are still causing me a great deal of trouble. I would appreciate it if you could investigate this matter and remove these charged off accounts from my credit report. 

I have been making every effort to rebuild my credit and improve my financial situation, but these accounts are hindering my progress. I hope that you will take my situation seriously and take the necessary steps to correct this issue as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

XXXX account closed with a total of {$4300.00} XXXX - XX/XX/29 I have called for the return of my money and continually get the runaround As of XX/XX/29 money has not been returned Company has not given a time or actions needed for the return if ny money