23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I called several times after paying off the loan that I had with Lending Club. I was on a COVID deferment with them and at the end of the deferment they offered to accept reduced payments that I made on time. 

Initially they reported me 30 days late in XXXX and 60 days late in XXXX. 

They received the payoff before the XXXX would become 30 days late so they said that I did not have to pay in XXXX. They have since removed the XXXX 60 day late payment and I have proof of the XXXX payment coming out of my bank account. 

Each time that I called they could not find any late payments on my account. There is no reason for me to pay late. I haven't had any late payments on my credit report with the exception of them due to bad recordkeeping. 

I have uploaded my bank statement showing their payment coming out and the credit report. I have previously checked and they are reporting this to all 3 of the credit bureaus as late in XX/XX/2020.
Product: Debt collection

I settled a debt with XXXX XXXX on XX/XX/2019, via lawsuit against them, in the principal sum of {$380.00}. XXXX XXXX has now sold the debt to Debt Recovery Solutions. 

I found that they are now reporting this on all three of my credit reports. 

XXXX XXXX are breaking the law by selling this debt. XXXX XXXX XXXX is breaking the law by trying to collect this debt and now illegally reporting it on my credit reports. XXXX, XXXX and XXXX are also breaking Federal Laws by reporting incorrect information on my credit reports.
Product: Mortgage

On XX/XX/XXXX, I become injury at work. On XXXX XXXX my employer let me gosince XXXX XXXX I have been injury and out of work, I contact Bank of America to seeking for help. In three times they denied simply they said YOUR LOAN MODIFICATION APPEAL HAS BEEN DENIED WHAT YOU NEED TO DO NEXT IS SHORT SALE OR DEED IN LIEU OR FORECLOSURE WHAT HAPPEN WITH BANK OF AMERICA. 
" I believe that banking institutions are more dangerous to our Liberties than standing armies. If the American people ever allow private banks to control the issue of our currency, first by inflation, then by deflation, the banks and corporations that will grow up around the banks will deprive the people of all property-until their children wake up homeless on the continent their fathers conquered. '' XXXX XXXX XXXX XX/XX/XXXX THEY GIVE ME A MODIFICATION BUT TO BE TRUE AT THE BEGINNING IT WAS OK BUT NOW THE INTEREST IS UP AND UP EVERY YEAR AND AT THE END IT WILL BE THE SAME THAT I JUST PAY WITH COUNTRYWIDE. 
THAT 'S WAY SEEKING FOR HELPI NEED HELP PLEASEON XXXX XXXX I JUST CAN MAKE MY PAYMENT AND I DO NOT KNOW WHAT IS GOING TO HAPPEN IF YOU NOT HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

I HAVE ASKED EXPERIAN TO SUBMIT THE PROPER INFORMATION MULTIPLE TIMES ON THIS ACCOUNT. THIS LISTING VIOLATES SO MANY FCRA VIOLATIONS. THIS ACCOUNT HAS NOT BEEN UPDATED SINCE XXXX  AND THERE IS NO COMPANY LISTED TO WHERE THIS COMPANY CLAIMS THEY SOLD THIS ACCOUNT. I HAVE WRITTEN EXPERIAN MULTIPLE LETTERS PERTAINING TO THIS AND THEY HAVE REFUSED TO PROPERLY INVESTIGATE THIS ACCOUT. I HAVE CONTACTED THE COMPANY AS WELL AND THEY HAVE NO INFORMATION ABOUT THIS ACCOUNT. THIS CREDIT BUREAU IS THE WORST WHEN IT COMES DOWN TO DOING A PROPER INVESTIGATION.
Product: Credit reporting or other personal consumer reports

I applied for a credit card from the captive issuer of XXXX 's XXXX, XXXXXXXX XXXX XXXX XXXX XXXX automatically renewed my membership and charged the credit card even though I never used that card for any charges. I cancelled the renewal, but the credit charge was not reversed. The online capabilities of both XXXXXXXX XXXX XXXX and XXXXXXXX XXXX were useless in correcting the errors. The bank wanted paper submissions, and archaic practice in the computer age ( and hard when one does not buy stamps anymore ). XXXX reported that I was delinquent. When the charge was finally reversed, XXXX did not correct the reporting error and my credit rating with Experian was lowered. Both the automatic renewal and the bank 's obstructions on accepting disputes are abusive and coercive.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

The XXXX Credit Bureau is reporting inaccurate information on AFFIRM INC ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

I do not know about this debt. Does not show on my credit report. Telephone # provided on notice is only a recording of ads trying to sell me stuff. I want to know what this bill is about.
Product: Credit reporting or other personal consumer reports

A Collection is reporting to my credit report that I do not recognize as being mine. I have asked for the original contract from company and have not got a response. I demand this be removed immediately! I have never entered any type of agreement with Midland Credit Management
Product: Debt collection

In XX/XX/XXXX of 2017 Portfolio Recovery added a collection to my credit report for a bill for XXXX XXXX. I sent them a written request to validate this debt. They removed this account from my credit report, and then later added it back without proof of validation and notification they were adding it back. Someone from this company told me if I do n't pay they will take me to court again.
Product: Credit card or prepaid card

XX/XX/21. I initiated a {$3000.00} balance transfer from an American Express account to XXXX. The transfer was accidentally initiated using an old Amex Cash Magnet account that had been closed. 

I have verified with XXXX that they sent {$3000.00} transfer funds to the old Amex account on XX/XX/21. 

My current Amex account is a Platinum card, which is the one I intended to transfer the balance from. I have called Amex several times, speaking to XXXX XXXX and XXXX, asking to have the {$3000.00} credit moved from the old Cash Magnet card to my current Platinum card. They have identified the issue, but can not tell me why my current Platinum card still does not show the {$3000.00} credit. 

XX/XX/21 I still being told to allow more time for credit to post. I want this issue resolved, either through a statement credit, or check mailed to me.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX 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

A credit card was opened in my name through XXXX XXXX XXXX on XX/XX/XXXX, but was not done by me. I had reported identity theft during that time. Purchases were made and not by me. The card was charged off on XXXX XXXX, XXXX. The company kept sending me bills and phones calls to pay the bill. Each time they would call I would inform them that I did not open the card and I had identity theft during that time frame. I even ask them for statements where I would see the purchases, the amount and the dates of the purchases. 
I never received anything. The amount owed up to the time of the charge off is {$980.00}. The total amount has over {$600.00} of late fees and interest accrued. XXXX XXXX XXXX sent my information to Midland Credit Mngt. when they charged off the account. The account showed up on my credit report when they charged it off and I disputed it then. 
They took it off the credit report, then just recently they put it back on. And now I also have a lawsuit for this account. Once I received the information about the lawsuit, I immediately contact Midland Credit Mngt and informed them this was fraud and I wanted to dispute it. I also was requesting statements with the purchases, dates and amounts so I could do my research and to prove this was fraud. They informed me they could not provide me with the information, but to contact XXXX XXXX XXXX. I contacted them again and requested the same information, they said they would try to send me the information. I never received it. A month later, Midland Credit Mngt. cancelled my dispute and are about to garnish my paycheck. I need to get this resolved before they do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three accounts ( all from XXXX  ) that have been paid in full and closed. Experian is still showing as active with balance owed. Tried disputing with Experian but they reported information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, Transunion has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days. Please see the enclosed document Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

ACCOUNTS XXXX XXXX XXXX never late XXXX/XXXX  XXXX never late XXXX   XXXX never late XXXX XXXX not mine INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX/XXXX XX/XX/XXXX unauthorized
Product: Credit reporting or other personal consumer reports

I am writing to dispute and formally request the correction of inaccurate information on my credit report maintained by Transunion. This dispute concerns late payments reported on the following accounts listed below : XXXX XXXX | Account number : XXXX XXXX  XXXX | Account number : XXXX I contend that the reporting of these late payments not only misrepresents my credit history but also constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I refer to the following sections of the United States Code : 1. **15 USC 1681 section 602 : ** This section underscores my right to privacy, emphasizing the obligation of consumer reporting agencies to ensure the accuracy, fairness, and privacy of the information they collect and disseminate. 
2. **15 USC 1681 section 604a section 2 : ** This section outlines the procedures for providing consumers with their rights, emphasizing the right to dispute inaccurate information on their credit reports. 
3. **15 USCS 1666b : ** This section establishes additional protections for consumers, stating that a consumer reporting agency can not furnish an account without the consumer 's written instructions, and a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

There are 3 unauthorized charges on my account all to the same person/merchant. XX/XX/XXXX for {$100.00} ; XX/XX/XXXXXXXX  for {$500.00} ; and XX/XX/XXXXXXXX  for {$270.00}. I opened a dispute with the company and received a quick response that they do not suspect fraud however, I am still missing {$880.00}. I need more done to get my funds refunded.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX 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

Experian has failed to remove old addresses from my account, even though I've tried to dispute it. They are associated with accounts that I have disputed under Consumer Law US Code Title 15 Chapter 41 Subchapter 3, section 1681a under Part 2 Exclusions, section A ( I ) Experian has failed to remove the address, but XXXX and XXXX have removed them.
Product: Credit card or prepaid card

XXXX XXXX XXXX has XX/XX/2017 both XXXX and XXXX have this on my credit report i never applied with them or hold a card I've called multiple times and they have no record of my social security #
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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 BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$15000.00} XXXX XXXX XXXX XXXX BALANCED {$470.00} XXXX XXXX XXXXXXXX BALANCED {$740.00} XXXX XXXX BALANCED {$690.00} XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting

I have disputed this judgement on numerous occasions telling experian the county clerk of of the court does not show an open judgement under my name, but experian insist their information is correct and keep sending me back to the county for more details and now they are refusing to investigate and not providing where their information is coming from. If the clerk of the court did n't provide the information and they are not seeing a judgement under my name and social where is experian getting their data from and why is this error still showing on my credit? This is n't my judegment, expeiran needs to remove this ASAP.
Product: Payday loan, title loan, personal loan, or advance loan

This company has been not forthright with what was offered to begin, with my outstanding amount always changes to a higher amount, without reason. I've asked for things in writing to show me exactly where I stand I have not received. They have been aggressive and harassing that had stopped, and now I get a phone call saying my XXXX payment was missed which it was not. I can show that it was paid. I got a letter that it was late. They keep every month calling when my payment is never late. We have asked to change the due date so that the phone calls won't happen and they refuse. They started calling from different location numbers because I have the harassing and aggressive numbers blocked. I have missed XXXX payment so I do not understand the issue with this company and my account.
Product: Checking or savings account

I received a Wells Fargo on the XXXX of XXXX. Stating I had fraud going on. I disputed the charges. Another supposed employee called and asked for more information. I was told a card would be sent by Tuesday. I check my account on XXXX. 3 new charges were added. I also had to call on XXXX and ask for a different charge to be taken off. I went into a branch and basically was told it was a scam. I showed the authentic email and everything that was sent to me. The teller would not get me a manager. Basically, told me to use credit cards and not debit cards. Nothing was recorded for any of my phone calls. If it was a scam, why did I not receive a call or email as soon as it happened???? I had an issue 5-6 months ago with Wells Fargo before XXXX Someone was able to call in my card and report it stolen. I was not notified of any activity. I had a balance inquiry in XXXX with no card someone used. How is this possible. Wells Fargo does not care about their consumers. I am closing my account after 13 years. I'm tired of their XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquires, in which I have never applied for these auto loans. I was not aware that someone used my social until I checked my credit score and seen XXXX inquires that I have n't applied for. 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/year>, I fell victim to a scam run by " XXXX '' which is an unregulated company that defrauded me for XXXX USD. I informed Chase about this and they have not shared the investigation details on why they have failed to protect me.
Product: Debt collection

There is an account on my Experian credit report that is fraudulent and is coming up with XXXX XXXX XXXX XXXX, this account is inaccurate and it is violating the fair credit reporting act and hipaa laws.
Product: Credit reporting or other personal consumer reports

I was shocked to discover inaccurate accounts on my credit report this morning, and I have no idea why they're there. I check my credit report regularly, but this time there were sudden discrepancies. I even refreshed the page hoping it was a glitch, but nothing changed. The incorrect accounts stayed, and now Im requesting a thorough review of the documents I submitted so I can finally stop worrying about this.
Product: Credit reporting

XXXX refuses to re-invistigate legitimate disputes. I keep getting generic responses stating that they have already investigated, but do not provide proof as to what they used to verify the accuracy. I know the disputes I am making are legitimate and not my accounts. They have also refused to re-investigate inquiries that I know are not ones I have made and are hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting frevious and false information that the account is charged off and that it is currently past due which is a attempt to apply hardship against the aledge debtor. A account can not be currently past due and also be indicated as charge off. XXXX, XXXX XXXX and Equifax has failed to removed continued inaccurate information that needs to be verified from the reporting debtor and not from 3rd party agencies there I will execute my right to claims fines per existing error. Debtor has requested signed documentation bearing signature of aledge account bearing obligation.
Product: Checking or savings account

I never had any deposit accounts at Wells Fargo and any account that shows with my information is fraudulent and was opened without my permission
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the many unsuccessful attempts to remove fraudulent items from my credit file. Despite my persistent efforts and cooperation, the fraudulent entries persist on my credit report, causing significant distress and adversely impacting my financial standing. 

I have previously submitted identity theft affidavits, police reports, and supporting documentation in my attempts to rectify these inaccuracies. Regrettably, it appears that the necessary actions were not taken to ensure the timely and accurate removal of the fraudulent items. 

The continued presence of these inaccuracies is not only affecting my creditworthiness but is also causing significant challenges in securing credit, obtaining favorable interest rates, and managing my overall financial well-being. 

I urgently request an immediate and thorough reinvestigation into this matter to expedite the removal of the fraudulent items from my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and rectify the fraudulent items promptly. 

Failure to resolve this matter in a timely and satisfactory manner may compel me to escalate my complaint to regulatory authorities and seek legal recourse to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive been constantly calling Equifax for the last 30 days and they will not help. This is my 8th time calling trying to fix this situation with Equifax and they do not seem to care what happens, I have let them know in past complaints that there are unauthorized inquiries in my report, and since these are not mine they should be completely wiped out and deleted from my consumer report. I have called in several times and the customer service line never wants to help, they put me on hold for 30 minutes or more and ask me to talk to the issuing company about the inquiry. Why? I did not make those inquiries, I supply them with all my correct personal information so they know its me, and im letting them know that they are completely unauthorized, yet they do not do anything about it. Equifax has impeded me from getting other credit products or find better lodging to live and this is just unfair since I pay all my debt and due dates on time every single month. This company is supposed to be protecting customers and they need to be corrected and I wish they would listen to consumers. They are causing me constant XXXX and stress, please help.