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

XXXX XXXX XXXX is on my credit history and have no clue why its been on my credit report I lived with some people during these things on my credit report occurred on my credit history in my birth certificate and social security card and Id got stolen from me in then started realizing that there was all kinds of credit card was applied for under my information in then my credit is ruined because of other people who still peoples identity its sad how people are now days I shouldnt have to struggle to get this XXXX off my credit history because of how hurtful someone would just steal someone identity in use the person information just so they can get people thinking that its the person whos identity who was stolen in then takes forever just keep disputing the things I didnt apply for or had nothing to do with still struggling after a couple years of constantly getting it off my history people just dont care
Product: Bank account or service

My bank, Wells Fargo Bank , na, added overdraft protection to my checking account. Despite repeated requests to the bank to remove it and decline any overdraft debit purchases, they have continued to allow the transactions to process, and charge me {$35.00} per transaction. They have charged me over {$300.00} in the last 3 weeks since they added the overdraft and failure to remove it.
Product: Debt collection

Portfolio Recovery keeps calling every day through different phone numbers repeatedly it is very annoying.
Product: Student loan

My XXXX loans were transferred from XXXX to Mohela on XX/XX/XXXX. Ive been paying off these XXXX  loans since XX/XX/XXXX, even paying more than what is due, and I still have 2 loans remaining. These loans are over 20 years old. These 2 remaining loans are federally backed, privately owned loans with graduated payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim. 

Repeated requests to provide methods of accuracy & verification used by Equifax pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et.  seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.
Product: Money transfer, virtual currency, or money service

There were 2 fraud charges made to my PayPal. I contacted PayPal and they denied the claim because they said there wasn't evidence to support my claim. XXXX however when i called them said yes they have evidence it was XXXX accounts opened with my information. They will not tell me anything about the accounts until i get a letter of dispute from my bank which i will do on XXXX. My bank has also not been very helpful in resolving this issue. the three institution 's i just mentioned have not and for some reason will not talk to each other to get this resolved. Each institution tells me its the others responsibility. I have been working on this for days and I'm not getting anywhere so i could use some help please. This fraud has caused me to lose XXXX $ so far and i now have a negative balance in my checking and can not pay my bills this paycheck because the scammers got all my money. XXXX reference number XXXX. 
XXXX has been the most helpful. the other two institutions are PayPal and Members Source FCU Bank of mine. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/year>, I received XXXX identical physical letters from BMO notifying me that both of my credit card accounts were being closed due to a periodic portfolio review. The letters stated that my accounts had already been closed as of XX/XX/year>, yet I received no prior warning or digital notice about this action. 



In fact, up until I received the letter, my BMO mobile app continued to show both accounts as active, including available credit, a minimum payment due in XXXX, and no alerts or notifications about any issues. There was nothing to indicate the accounts had been closed more than XXXX weeks earlier. This lack of transparency left me completely unaware that any action had been taken. 



XXXX of the XXXX cards was originally issued by XXXX XXXX XXXX XXXX with which I had a long-standing, positive relationship prior to its merger with BMO. Both cards had been open for over XXXX years and were always kept in good standing : no late payments, regular usage, and balances well managed. 



Just a few days before I received the letter, I voluntarily made a {$650.00} payment toward XXXX of the cards not because it was due, but to lower my balance and improve my credit utilization. Had I known the account had already been closed, I would not have made such a large payment. The timing made the closures feel especially unfair and misleading. 



Why Im Concerned : I understand that card issuers reserve the right to close accounts, but the way this was handled was abrupt, confusing, and lacked any proactive communication. The closure of XXXX accounts in good standing without warning, shortly after a large voluntary payment, and with no indication on my online account has caused a sudden drop in my available credit and negatively affected my credit score.

I contacted BMO through their secure message system twice. The first response gave me only a customer service phone number. In my second message, I asked for my concerns to be escalated to the appropriate team and requested a response via email. BMO responded saying there was no way to contact that team by email and still directed me to call. Additionally, they stated that my credit report wasnt even reviewed as part of their decision which raises concerns about the basis and fairness of their internal review process.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute items do not belong to me. 
Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. Fraudulent 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  Balance : {$0.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Payday loan, title loan, or personal loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of XXXX. I filed a police report and attached it below
Product: Mortgage

Our home loan was sold to LoanCare, and back at the end of XXXX, we were informed that this would be happening. We were going to be taking vacation in XXXX, so I called to try to set up auto-pay. Our info wasn't in the system yet, but the person I spoke told me that it wouldn't be a problem and we'd be able to figure it out later. At the beginning of XXXX we received a note that our loan was finally in the purview of LoanCare. By the XXXX of XXXX we began getting foreclosure notices. 
Unbelievable. This is how they run their business? How many of your loans go into foreclosure this way LoanCare? How much money do they make this way? How many people are on the street because of their predatory ways? 

We've been able to resolve this issue with them, however I'm reporting because they should be investigated. If this is a pattern, then many people are suffering because of LoanCare.
Product: Checking or savings account

I asked Citi Bank to close my checking account several weeks ago. Today I logged into my Citi bank online banking system and found that I still have the account. I called the bank and gave all my information, but they kept asking me for the security word I had input when I was opening the account. However, I completely forgot my security word. The hint was what is my mother 's maiden name, but the answer was not limited to this question. There is also no way to try and verify my answer offline. 

I have never met such poor service from a bank. Other banks like XXXX can get me verified with other methods, but Citi just can not. So I am not sure how to proceed further because I really can not remember my security word. I am living in XXXX, Massachusetts. There is no Citi branch in this area. Things could be easier if there is a branch, and I could just walk in to verify everything. 

But now, they are asking me for the forgotten security word all the time, and I have no way of knowing if my account is closed or not. Also, they asked me for the debit card number, but I never received a debit card from them. 

Please help! I can provide anything I have to verify that I am the owner of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in the process if trying to buy a car. Once I was denied I pulled my credit report. Upon pulling my report I saw numerous accounts that did not belong to me. I was amazed and very saddened that the credit reporting angencies were able to report false information. I have tried and tried to resolve these issues with no good results! Please help! This has been an awful experience and no American citizen should have to go through it! The accounts on my report are XXXX XXXX XXXX ( Which reports twice! ) I have no knowledge if this debt! XXXX XXXX, I have no knowledge of this debt! XXXX/XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX XXXX. I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX ( which reports twice ) I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! There are several unauthorized inquiries that are in authorized! They are XXXX XXXX XXXX XXXX, ( unauthorized ) XXXX XXXX, which reports twice ( unauthorized ) and XXXX XXXX ( unauthorized ).
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I have new and updated information regarding these negative accounts that are reporting to my credit profile. Im submitting this complaint by myself and there is no unauthorized third party involved. 

I have ask all XXXX of these credit reporting agencies to update my address to and remove these negatively reporting accounts to my credit profile via mail and they have failed to do so. I have used their online portals to dispute. I have used the BBB to dispute and they still continue to violate and hurt me.
Product: Credit reporting or other personal consumer reports

Issue : XXXX XXXX is reporting a charge-off ( CO ) on my credit report every month, indicating that I have an outstanding balance or am delinquent on my payments. This is inaccurate and causing harm to my credit score. 
Law : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c ( a ) : A creditor can only report a charge-off ( CO ) once, when the account is initially deemed uncollectible.

Metro 2 Guideline 4.1 : A creditor can not report a CO every month, only when there is a change in the status of the debt. 
Violations : XXXX XXXX reported a CO in XXXX and again in XXXX, without a change in the status of the debt. 
XXXX XXXX failed to conduct a reasonable investigation of my dispute and correct the errors on my credit report. 
Damages : Harm to my credit score XXXX XXXX Loss of credit opportunities Supporting Documentation : A copy of my credit report showing the inaccurate reporting Additional Information : XXXX XXXX 's reporting of CO every month without a change in the status of the debt is a clear violation of the FCRA and Metro 2 guidelines.

I request that the CFPB take immediate action to correct the errors and hold XXXX XXXX accountable for their actions.
Product: Consumer Loan

I have a personal loan with One Main financial for {$4500.00} and my payment is {$140.00} monthly or {$71.00} bimonthly. Since XXXX/XXXX/2015 I 've made XXXX payments {$71.00} and my balance is still {$4500.00}. This has happen in the past with my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my account every month on time online. But one month i got notice 30 days later that they never received my payment. I had a 30 day late pay put on my report by no fault of my own. I've tried to correct the issue with the company since i believe that it was their website that was the problem as I've never been late before or after.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights.

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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Consumer Loan

I purchased an RV through US Bank. The payments of {$340.00} initiated on XX/XX/XXXX. Approximately XXXX weeks prior to the due date XXXX of each month I would go into the main US Bank XXXX XXXX XXXX XXXX XXXX WA and submit my check that also included an additional principle payment- from XXXX XXXX XXXX. On my check I would note that this payment was for Principle only. The last several months I started to receive my statements that would say I had a past due amount ( for {$200.00} ) ; thus adding it to my normal payment. I went in and they said they would fix it - but the following month there again was another past due amount of XXXX. I actually got a call last Friday the XXXX from a bank collector looking to have me submit the past due payment. 
Any borderline teller should be able to bring up my account and see that all along I 've been making my regular payment plus added principle. When I had this XXXX min conversation I was transferred to another employee ; who in speaking with them ask about a couple of statements that I received ( XX/XX/XXXX and XX/XX/XXXX ) that I had a XXXX amount due so I wrote {$400.00}. towards principle only and was told that those payments really did n't all go towards the principle that some went to future payments -paying interest. When I ask for a print out of all payments I made she told me I would be charged a fee for this. Really! I was told the situation was change and the past due was taken care of-when I went to the bank today it still had a past due of XXXX on my account. 
My main concern is if this is happening to me ( a senior citizen ) how many unsuspecting people world wide that do n't check their monthly statements are they doing this to. 
I had similar issues with my mortgage for several months. They were not applying my full principle payment to my principle but taking out and applying to my interest-as if I would give them free money. So over all, this has gone on for many months-despite my telling them that I will seek out further investigation. I got insulted when the folks that called me said it was the front line teller that was causing the problems. I know they go into their computer templates and place the payments in the appropriate boxs. I have most of my statements and my check register noting days of payments with check numbers and how much additional principle made. I 'm really tired of hearing I 'm sorry -I think/believe there should be an outside audit run on their procedures and if found at fault-upper management lose their jobs. This is very stressful for me- I work in a VERY High stress work field ( XXXX ) I really do n't need to constantly monitor and call attention to inappropriate bookkeeping from professionals. I believe XXXX financial got nipped for doing something like this. 
Thank you.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX EMP Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Also it is incorrectly reporting this account as well. Its reporting as Closed, paid, and open on all 3 Credit Bureaus.Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the Ava Finance account number XXXX on XXXX , XXXX on XXXX, XXXX on XXXX.Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX XX/XX/2023 Dear Experian, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : XXXX Amount XXXX {$100.00} Party Owed : XXXX XXXX XXXX XXXX  XXXX XXXX {$1400.00} Party Owed : XXXX XXXX Amount : {$910.00} Party Owed : XXXX  Amount : {$0.00} Party Owed : XXXX XXXX Amount : {$0.00} XXXX Owed : XXXX, XXXX Amount XXXX {$4000.00} Party Owed : XXXX XXXX XXXX XXXX Amount : {$0.00} Party Owed : XXXX XXXX XXXX  XXXX Amount XXXX {$71000.00} Party Owed : XXXX XXXX XXXX  Amount : $ - I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. This is my official request to have the aforementioned item to be deleted off my credit report. 

Enclosed may be additional evidence to support my claim. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Report Late payments that are wrong
Product: Credit card or prepaid card

I called XXXX XXXX card services on XX/XX/2018 to get next payment date and rep failed to let me know I was past due and said next payment was XX/XX/2018. It caused me to go 30days late with XXXX. 2nd issue is they don't have this recording and that worries me because its my word against there Company. I have 100 payments on time with all my creditors and can provide proof if needed. This is the only account with 1 late payment because of there rep giving me wrong information.