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

XXXX  ; XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, XXXX isn't honoring the fact that the name they have listed as my legal name isn't correct. I've contacted them numerous times and they won't fix it. I only had the name they're showing for XXXX  year and I have sent them my ID and everything. Why won't they fix this? All my creditors have the correct name, so it isn't them like Experian says. I'm so tired of dealing with this. It happened in XXXX and this is XXXX. Do I have to get a court-order, because XXXX is doing the same thing and it's discriminatory at this point. XXXX has locked me out of my account and attorneys are phobic & won't help me get to these credit bureaus. I bet XXXX has this going on as well, but I'm tired now. I don't think I established any credit accounts during the time my name was XXXX XXXX XXXX. 

They have a problem with me, because it's obvious when you change your first/middle names that it isn't due to any kind of marriage. Do they do married people like this? I bet not! People answering the phones are foreigners and don't care about me or this issue. They leave me on hold too long and then don't do anything when they answer. 

I can't give you all the dates that I have dealt with this, but your bureau doesn't seem to do anything either. Why not? I can't afford an attorney. I will sue if this isn't corrected. XXXX  damages will cost these companies, because this is beyond annoying and rude. They are being fraudulent, not me. Filing fees are less than lawyers fees.
Product: Credit card or prepaid card

On XX/XX/2021 Bank of America refunded my account of {$5000.00} without notifying me, for a fraud that had taken place XXXX month prior. I happened to check my account that day and found they refunded the money but immediately let another fraudulent transfer of {$3000.00} occur before I had even realized my money was even there. When I called Bank of America to let them know what happened again they hung up on me. On the next call they refused to help me and referred me to a bank branch to be verified by a teller for the XXXX time this month. Luckily I was able to pull out the remaining {$2000.00} at the bank. Bank of America has complete access to the account. They know the account and the routing number that the XXXX transferred the money to but they refused to do anything. Instead they say they filed a claim and it could take up to XXXX days for them to make a decision even though this was about the money they never told me that they gave me back to begin with, from the claim I had already waited XXXX day to complete. This is XXXX XXXX Bank of America 's fault and I am growing very weary of their games. I've been trying to get my money back since XX/XX/XXXX. It is now XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

the inquiries were unauthorized and Ive tried multiple times disputing with the bureaus with no help. 
I dont recognize two inquiries on my transunion report one is a XXXX area fcu from XXXX XXXX and a jpmcb card from XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

I just reviewed my credit report and was extremely concerned to find accounts that I have no knowledge of. I never opened or authorized these accounts, yet they are being reported under my name. This is completely inaccurate and unacceptable, and I need an immediate explanation of how this happened. These false accounts are unfairly damaging my credit history and must be addressed right away.
Product: Money transfer, virtual currency, or money service

The way that Zelle handles things is completely unacceptable. There is no user protection what so ever.
Product: Mortgage

My previous insurance carrier exited the XXXX XXXXt. There was a 9 day stub period between insurance renewals. The stub period was out of my control. The insurance agency was unable to bind a policy timely due to the timing of notification. Florida statutes allow only 30 calendar days of non-renewal notice during the XXXX and XXXX XXXX holiday. The main XXXX policy was paid out of pocket effective XX/XX/XXXX for {$4200.00} XXXX I was charged {$260.00} for the stub period between the XXXX term and the XXXX renewal by Truist for a stub policy. Truist refused to allow me to pay the {$260.00} and has sat as an " escrow '' deficit since XXXX of XXXX. 

Suntrust refused to allow me to pay the {$260.00} directly for the 9 day gap.. Suntrust did not notify me during their evaluation process until whatever process they have concluded. Suntrust unilaterally established an escrow because of the {$260.00} deficit they refused to allow me to pay. 

Their reasoning is that because I had an escrow deficit, I must now establish an escrow. The conditions they forced upon me are because of their own actions. This is a contradiction and illogical.
Product: Checking or savings account

Had a XXXX with ADP as the book and record keeper my company went out of business and ADP changed the language in the prospectus XXXX weeks before they charged me a very high fee of XXXX dollars, they gave me several different reasons for the fee at first it was for book and record keeping the last reason was they had to do a audit the book and record keeping fees usually came out every XXXX months they charged me XXXX dollars on XX/XX/24 and then charged me XXXX XX/XX/24 supposedly for a audit I only had XXXX in the account so that's a 1 % fee of my hard earn retirement I don't have XXXX Dollars to give them they took it because they could and there wasn't anything I could do about it, I was about to do a rollover.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry from XXXX ( I did not authorize ). XX/XX/XXXX. I have not even established credit history when they put a hard inquiry on my credit report. I am also NOT head of household and was a XXXX  at the time. 

Hard Inquiry from XXXX XXXX on my credit report XX/XX/XXXX ( I did not authorize and NEVER gotten a loan from them ). Ive contacted Experian about the inquiry who told me to contact XXXX XXXX. I then contacted XXXX XXXX customer representatives multiple times who did not give me any solutions. 

Hard inquiry from XXXX XXXX. ( I did not authorize ) XX/XX/XXXX. Never got a call back or any explanation for it.
Product: Debt collection

This debt was settled with a debt collection agency. The cc company XXXX XXXX has sold the debt to another collection agency. The new collection agency is trying to collect a debt.
Product: Debt collection

The account with simons agency isnt correct. I was in insured at the time and now the hospital says i owe XXXX. I gave birth and was completely insured so this is invalid.
Product: Money transfer, virtual currency, or money service

Filing a complaint against cash app ( block inc ) due to inadequate customer service and unfair practices. Which violates the consumer financial protection act cash app left my account vulnerable and unprotected there dispute processing is unfair and deceptive these actions caused significant inconvenience and financial loss I see appropriate redress for these violations.
Product: Checking or savings account

Hi, on XX/XX/year>2025 I followed claim against XXXX XXXX transaction with my bank ( Wells Fargo ) because I believe isn't fair what XXXX charged me for rescheduling flight and at the same time, they didn't provide enough time between connected flight in such a large airport ; However, Wells Fargo accepted my claim and granted me XXXX $ as credit line which equal the amount i paid for rescheduling. On XX/XX/year>2025, I just saw that they deducted this amount of money again from you account and they closed my claim. 
And the question is : how can Wells Fargo give me money and after pullout this money from me, in fact, I planned my life at this period thought I have this money. 
The other question is : where is if I don't accept the decision of Wells Fargo and I continue to think XXXX are mistaken
Product: Credit reporting, credit repair services, or other personal consumer reports

I have opened a charge account with " XXXX Bank ''. it is NOT a credit card. But it supposed to report to the credit bureaus to improve the credit score, the reason why i applied for this account. But unlikely, it destroyed my credit score.

Because the Term " Balance '' in the credit card system means we as the consumer are owing some money to the creditor, which the higher, the more negative ; but when we come to the debit cards, the word " Balance '', means the money that is sitting in the customer account, which the higher, the more positive. 

So this account currently reporting the money that i have in my account, as a debt, as a " Balance '' under its negative definition as mentioned above. 
this is showing a high utilization on this account, which has dramatically decreased my credit score. I called the credit bureaus, and the bank several times. but seems that XXXX bank people are not familiar with the credit report system, and kept reporting my MONEY under the Balance Category instead of reporting it under the LIMIT category.
Product: Credit reporting

I do n't have knowledge of this hospital bill ... .i disagree with the bill
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXXXXXX XXXX  ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX XXXX after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXXXXXX XXXX XXXX. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over XXXX XXXX. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXXXXXX Balance : {$410.00}
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report at Equifax and noticed that there were 3 accounts that are in error and reported illegally and in violation of 15 usc 1681, the tax code, and the fair credit reporting Act. these accounts are as follows:1. XXXX XXXX {$910.00} charge off without notice, ( 1099c ) to debtor.2. XXXX XXXX XXXX {$5000.00} showing collection status however also showing charge off status at XXXX XXXX base. this account is a charge off disguised as a collection in violation of the tax code, 15 usc 1681. thereto this account also misrepresents the actual amount owed in violation of the FDCPA. 3XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / {$270.00} this account also is illegal and misrepresents amount owed in violation 15 usc 1681 and the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfil its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing on going harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

The accounts are : XXXX XXXX XXXX XXXX
Product: Debt collection

Financial Asset Management Systems ( FAMS ) is engaging in behavior that is in flagrant violation of the Fair Debt Collections Practices Act. I have repeatedly asked FAMS for a statement balance regarding my payments, including interest rates, collection costs, and fees. They have repeatedly ignored my requests. In addition, I called FAMS on XXXX XXXX, 2015 at XXXX XXXX EST to make a payment and the agent that I spoke with proceeded to hang up on me even though I have provided my social security number and date of birth as verification. FAMS is engaging in illegal and abusive debt collection violations which are illegal under the Fair Debt Collections Practices Act.
Product: Mortgage

I lost my job after XXXX years on the job I called Wells Fargo for a modification the lost mitigation department told me that for unemployment they do n't offer a modification they offer only unemployment assistance program which means they will take a lower payment from me but they will ruin my credit how is it how is it fair to us I have always made our mortgage payments. He said it 's more than likely because the unemployment benefit would not cover the payment how would he know that if you never even took an application on me. I know someone that was on XXXX that 's also a temporary situation and temporary income and they got modified so how did they pick and choose who they help
Product: Credit card or prepaid card

In XXXX I had fraud on my credit card upwards of {$17000.00} Wells Fargo said that I was still liable for the charges. I have been making payments up until XX/XX/XXXX when I lost my XXXX social security I am currently appealing there decision I owe over {$18000.00} to Wells Fargo but can not pay it and they are trying to come after me. I have tried working with Wells Fargo but to no avail.
Product: Checking or savings account

Per the attached bonus offer from Chase Bank, opening a Chase Sapphire Checking account and funding it or a linked investment account with at least {$75000.00} will be rewarded with a {$1000.00} bonus. 

On XX/XX/19, I opened a Chase Sapphire checking account and a YouInvest investing account to fulfill the bonus. On XX/XX/19, I funded the linked YouInvest account with at least {$80000.00}. This is in order to fulfill the requirements of the bonus and to avoid monthly maintenance fee associated with the Sapphire account. 

On XX/XX/19, without notice and action on my part, Chase Bank closed my Sapphire account without my consent despite having a linked investment account with enough funds to avoid the monthly maintenance fee. I reached out to XXXX the account services supervisor, which notified me that my bonus offer has been cancelled and rescinded. XXXX offered no resolution to the account closure.
Product: Debt collection

XXXX XXXX  of XXXX, I contacted my agent at XXXX XXXX XXXX XXXX Insurance for the possibility of replacing a vehicle on my insurance policy with a new car. XXXX asked for the VIN and other information to run an accurate estimate which they gave to me, but I asked to wait, didn't sign to confirm, as I needed to shop for other insurance companies to check for a lower premium. 
Days later, on XX/XX/XXXX, I decided to enroll on an auto policy from another insurance company, XXXX, who had lower rates, and they automatically canceled my XXXX insurance policy. 
I was able to confirm the cancelation because that same day, I received a refund of {$53.00} from XXXX for an overpayment on my insurance premium as it was early on in my current billing cycle and my payments were setup on their Auto Pay system. Since I did not sign for the change, and because I got the refund, I assumed that I had owed nothing to XXXX. I also enrolled in their paperless billing options, and had not received any email saying that I had to pay them anything or that there was an outstanding balance in my account with XXXX. 

Flash forward to XX/XX/XXXX, I received a notification from XXXX XXXX XXXX, XXXX, XXXX and my banking apps that my credit score had gone down because of a collections account under my name from CCS Collections Agency initiated by XXXX XXXX XXXX ( XXXX ). 
On XX/XX/XXXX, I called XXXX and asked them to kindly remove the collections under my name, explaining to them what had happened. The representative told me that there was nothing they could do to remove the balance because it was valid in their system as the car was added on my policy even without me confirming or signing for it. Frustrated, I asked if they would notify CCS to remove me from collections if I just paid them the {$95.00} that was in collections, and their representative agreed so I paid it over the phone just to get it over with, even though I know for a fact that the {$95.00} charge was not valid. I have also filed disputes to the credit bureaus and they approved my disputes and adjusted my consumer scores. 

This past week however, I have been going through a process of buying my first home, but my credit history still shows the collections from CCS on my record, and it has hindered me to qualify for a mortgage. I called both XXXX and CCS, pleaded my case with them, but both companies refuse to help me delete/remove the collections records on my credit history. All they gave me were receipts of my payment, which does not help restore my credit scores to the way they were in order to qualify for a home loan. This predatory practice from both XXXX XXXX and CCS Collection Services have destroyed my credit history and damaged my eligibility as a potential home buyer. I have XXXX credit card debt, and have not missed a single bill payment. This is the only record on my Credit Report that is hindering me from being approved to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Service Finance is reporting erroneously on my credit file. I have a personal loan through them but it is being reported as a mortgage. This is not a mortgage. I need the account type to change, it is affecting my financing for other things because it looks like a foreclosure mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Experian XXXX XXXX : I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements.For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report.These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately.
Product: Checking or savings account

I was in the hospital beginning XX/XX/2023 after experiencing other health issues the past several months and was hospitalized until XX/XX/2023. My phone with my passwords and PIN was left in my room and someone got a hold of it. I lived with 4 roommates and people were constantly going in and out of the house. I submitted a dispute for all the transactions that were not done by me and my claim was denied. I have since moved out of that house due to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with WESTERN FUND, WESTERN FUNDING INC,  and XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, WESTERN FUND, WESTERN FUNDING INC, and XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) with no successful resolution. There was definitely an error on their part.
Product: Student loan

I did not receive the email about my loan being recapitalized, and my income based repayment plan effective end date.
Product: Credit reporting or other personal consumer reports

I have 13 hard inquiries on my Equifax and 29 hard inquiries on my XXXX that I did not authorize and according to the FCRA, these unverified and unauthorized items must be removed.