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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My car loan with Santander was supposed to be paid off by XXXX, but due to covid, they extended the monthly payments until the loan was paid off. I paid the final monthly payment in XXXX. There were accrued fees that were never incorporated into the monthly payment. I have continued to make the monthly amount and had a balance of XXXX dollars. I was told the payoff amount and until when it was good. I just received notification that they reported my account as last due by 30 days. I was never notified that I needed to pay the fees by my last due date. I was told if I made the Monthly amount then it would extend each month until paid. I have already requested that the delinquency be removed from my report. I had my father cosign this loan years ago- and this is absolutely ridiculous that they are reporting the final XXXX dollars in fees as late. I was never told that if the entire fee balance was not paid by last due date that it would be considered late. I have paid the balance and I want the delinquency removed immediately.
Product: Checking or savings account

Getting multiple over charge fees after I asked to take the over draft off my account years ago because it use to happen and money use to disappear out of my account so now I am scared to even keep money inside my Wells Fargo acount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX, XXXX XXXX XXXX XXXX Account # 's XXXX, XXXX, XXXX, XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX, XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXX OF XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 's XXXX & 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
Product: Debt collection

The debt on my credit was fraudulently put on that was not me I was a victim of identity theft and I would like it fixed as soon as possible.
Product: Debt collection

I recently checked my credit report and discovered that the credit bureaus are reporting inaccurate information.

The Collection Agency has not provided validation Information under 12CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( l ) This Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

This Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violations of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) LVNV Funding LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written & called Experian several times to let them know they are still reporting fraud accounts on my credit report. I called & spoke with someone in the fraud department & they stated this would be taken care of months ago & it is still the same. I have sent in the requested information of ID, social security card, police report, & identity theft report. The accounts for XXXX XXXX XXXX, XXXX XXXX   XXXX  ( there's several accounts listed for this company ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX/XXXX are not mine. All those are fradugelent accounts that someone has opened in my name. PLEASE DELETE THOSE ACCOUNTS.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXXhree Bureaus, XXXX, Experian, and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA XXXX ( b ). I am a victim of a data breach, and these inquiries were fraudulently conducted in my name without my authorization. 
The fraudulent inquiries are as follows : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I sent a letter to XXXX Bank on XX/XX/XXXX tracking by XXXX XXXX. They received the letter XX/XX/XXXX and till this day no response in regard to. Spoke to someone XX/XX/XXXX who said the letter will not be responded to I still owe the balance which is not right at all. That car was XXXX of XXXX in the XXXX and the spec was rare the car should have sold for at least {$48000.00} to {$51000.00}.
Product: Debt or credit management

National debt relief charged 8 monthly services fees in one month on XX/XX/year> totaling XXXX XXXX XXXX XXXX XXXX. This should only be one fee per month.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT IN A DISPUTE REGARDING SOME NEGATIVE ITEMS I FEEL ARE INCORRECT AND SHOULD NOT BE REPORTING AND EQUIFAX DID NOT RESPONS THIS DISPUTE WAS SENT IN ON XX/XX/2018 AND STILL I HAVE RECEIVED NO RESPONSE
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Errors in billing and reporting by my bank have had a negative impact on my credit, despite my efforts to maintain a responsible payment history. Under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), creditors are required to report payments and account balances accurately, yet I have identified several issues. Payments I made were not properly recorded, and there are clear miscalculations in the reported amounts. Additionally, I was not given the required 21-day notice before a payment was due, making any late payment not only unfair but also legally invalid. These inaccuracies are a direct violation of my rights and have unfairly damaged my credit standing.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of these items from my credit report, which is the result of fraudulent items origination and identity theft. This fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this items that does not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED. DEPTEDXXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block , inc ) due to in adequate customer service and unfair practices. Which violates consumer financial protective act. ( CFPA ). specifically Cash App failed to take timely and effective measures. To prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process is unfair and deceptive, as they did not comply with error, resolution requirements. Under the electric fund transfer act. ( EFTA ) and reregulation E. These act has caused a significant inconvenience and financial loss. and I seek appropriate redress for these violations.
Product: Credit reporting

XXXX lied about infomation on report and lied to exprion reporting agents and said thay new in fomation on me when thay lied to make exprion un block id theft block my name is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

american express is reporting a 'charge off ' for an account that i have been continously paying and was never late. 
# XXXX and is stating that the account was closed by credit grantor. amex suddenly chanced the terms of the repayment amount and started to call me hundreds of times even on sundays.. and late at night.. i talked to agents there hundreds of time and for hours on end.. being transferred many times during most calls. i have a good credit history with amex since XX/XX/2010 and before and most agents would tell me i was a 'good ' customer.. this call started when a payment was misplaced on a account with similar account number and i call in to have it reposted to the proper account. 
this is not the first time amex has blundered my account payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a missed payment for XXXX XXXX in XX/XX/2018. I did not have and account with XXXX XXXX in XX/XX/2018. Therefore I could not have missed a payment with a company that I did not have and account with in XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019 we tried to use our credit card out of the country to find out it was closed. Called Capital One XX/XX/XXXX and was told that " I had called to request a new credit card, but could not provide all the information required, so it was requested by the called to be closed ''. I did not make any phone call for my account to be closed. Capital One closed my account because someone phoned in and could not provide all the security questions and requested to close the account. 

Without actually verifying that the person trying to close the account was the actual owner of the account, they closed it without any security checks or diligence on their part. 

Called back on XX/XX/2019 because the account had $ 150+ dollars in rewards earned, but they were unable to help. They also verified per. voice recordings that the person who called to close the account was indeed not me ( owner of the account ). 

Although there is fault in their security and fraud protection I am still penalized for their inability to protect their customers.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I received a notice of a new hard inquiry on my credit report from Capital One. I have not applied for any new credit line or loan.
Product: Checking or savings account

Online XXXX XXXX matured on XX/XX/2021. On XX/XX/2021 I called CAPITAL ONE at XXXX online banking and spoke with XXXX who said that he will close my XXXX XXXX account and send my check to my address on file. I called on XX/XX/2021 since my check did not arrive, and I was told to wait another week since the mail is slow. I called with my daughter on XX/XX/2021 and spoke with XXXX who said he will cancel the check which was never delivered to me and send out a new check. XXXX said to wait 7 days for the check to arrive. I called on XX/XX/2021 and spoke with XXXX who put me on hold for over 15 minutes without coming back to speak with me. I called again the 800 number and was transferred to XXXX, manager who said there was no record that a second check was sent. She said she will have the matter investigated and send out a check via XXXX in one business day to my home address. She said I may have to fill out an affidavit and it will be sent to my email ; however, Capital one has not sent anything to my email address on file. My check did not arrive in one business day as XXXX said it would. It is going on TWO ( 2 ) MONTHS since my XXXX account was closed and Capital One has NOT sent me my money back. Today is XX/XX/2021. I am in my XXXX 's, and I have medical bills to pay. Please help.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3.

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS.

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED. 

I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$360.00}, {$1900.00}, {$2800.00}, {$2000.00}, {$1400.00}, {$690.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

6. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

7. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my account.
Product: Mortgage

I 'm stating this because I find it absurd that the limitation for debt forgiveness is under {$750000.00}. I 'm a widow whose late husband refinanced against my wishes and now I 'm responsible for debt over {$900000.00}. In negotiations with OneWest/IndyMac for a mortage restructuring, they received a desktop evaluation that my house is worth less than {$500000.00}. For that reason, I refused the terms of their modification contract. In said contract, they asked me to sign the statement " If, at any time, I can not afford to repay the entire amount of the loan, I agree OneWest/IndyMac can put a lien on any and all of my other assets. '' I refused to agree to that, and also can not accept a modification that 's equivalent to a sub-prime where the interest rate starts out low but increases every few years. I am now facing foreclosure so I would like to see if I can get an extension to the foreclosure date, which is now less than XXXX months, to give me time to find a place to live.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian &   XXXX    Credit Reporting Agencies are re porting inaccurate credit information on my credit file regarding  5     XXXX   XXXX   XXXX   XXXX    XXXX  accounts. Their reporting that my current payment status is  120plus da ys past due when in fact the account were transferred to another lender and paid. I have filed several disputes with the CRA and have contacted the    XXXX   XXXX   XXXX   XXXX     XXXX   for the information to be corrected to no avail for the past 3 years.
Product: Credit reporting or other personal consumer reports

I ran into a credit score problem with the XXXX XXXX, and I filed a complaint on XX/XX/2024 with CFPB. The problem was resolved. And my credit score was raised to XXXX with FIOC and XXXX. However, the score with Transunion did not improve. It actually dropped XXXX points from XXXX to XXXX. All through the process I had trouble with Transunion. When I had the problem with XXXX XXXX, I called the bank to figure out my interest rate, the next day my credit score decreased by XXXX point. It was done by Transunion. And then I always had problems understanding their reports. It was difficult to find any help with them. I thought the situation may improve with time, but it obviously just get worse. I still have problem to get a credit card. I'm banking with XXXX now, and they still won't give me a chance to get a loan. I just tried to get into Transunion to read their reports so I can write a better complaint here. But I couldn't get in. They want me to pay XXXX dollars to subscribe their credit monitoring program. I refuse to do so. I have read their reports at least three times, and each time I don't understand what they are talking about. I surely won't pay XXXX dollars to read something I don't understand. I just want to complain there is something wrong about their practice.
Product: Mortgage

Hi I had a mortgage for my property with Nations Direct Mortgage , LLC, who sold my mortgage to XXXX XXXX XXXX XXXX ( XXXX ) in mid XXXX. 

My escrow account had {$6400.00} at the time of transition. However, XXXX claims they only received {$1000.00} as part of escrow and the rest was held by NDM to pay off the Property taxes to the county. I found out in XXXX that my taxes aren't paid yet and started inquiring about it. XXXX paid the taxes in XXXX. Since they paid late, I ended up paying {$180.00} more than I should've paid if it was paid in XXXX. I asked to be credited for the difference but they declined. 

Larger problem is it's been 5 months since my account has been transferred but I still haven't received my escrow payment of {$5300.00} from NDM or XXXX. That discrepancy still exists. My current escrow balance is- {$1700.00} ( negative ).
Product: Credit reporting or other personal consumer reports

THESE ARE NOT MINE, I DID NOT BENEFIT FROM ANY OF THESE