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

THIS INQUIRE IS SHOWING ON ALL CREDIT BUREAUS SUCH XXXX, XXXX, AND XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned through my credit monitoring company that XXXX  XXXX  pulled a credit report without my permission with all three credit bureaus on XX/XX/2021.
Product: Checking or savings account

tried multiple times trying to close my account. They can not close my account with money still in account on XX/XX/XXXX. Then I transfer out, they still did not close my account and keep charging me monthly fee with no reply for not closing successfully. Now, they charged me another two month fees. XX/XX/XXXX, they want to transfer in to cover the fee then wait another ten business days call to close the account. If I wait another 10 business days, it is time for them to charge me another month fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit investigation from Equifax in lateXX/XX/XXXX. Its nearly the end ofXX/XX/XXXX now, and I haven't gotten a response yet. They were supposed to respond by the end of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

A representative of 5TH 3RD Bank with whom I bank sat down and started filling out loan app just in case I needed improvements, saying I was just getting appval for a loan just in case I needed it. If not, then no worries. This individual left the bank some 2 years later and some time after ( 2021 ) I was charged {$60.00} on my bill and was told after a certain amount of time there was a charge and there would be another charge of {$60.00} the following year. I was furious but unable to either get out of the app for a loan. Recently XXXX organizations have been writing me letters saying I have a loan for XXXX, Which I do not have! Please help me I think Im being conned conned by a group of shysters.
Product: Debt collection

Transworld systems I XX/XX/XXXX As well as over 40 hard inquiries. I have been disputing for fraud for several months and the services keep adding the listing back to my report. The inquiries are hurting my credit. I have called the inquired places several times and they say they can not assist me because I dont have an account for them to look up my info. I am getting very frustrated because I did not approve any of the above dating back to XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an accident rendered my car a total loss. I was in the 4th year of a chapter XXXX bankruptcy at that time. In XX/XX/XXXX payment of the total loss ( roughly {$8100.00} ) was remitted to XXXX, the lien holder. When I called to verify the payoff in XXXX, they denied having it. Under my chapter XXXX plan, the amount owed ( roughly {$6000.00} ) was less than the payment remitted to them. Shortly thereafter, XXXX initiated a GAP claim without my knowledge for the amount of the loan which would have been due outside the bankruptcy. They provided all information requested to that company. When I became aware, I questioned them about it and in XXXX they allegedly canceled the GAP claim. I don't know if this is true, but they would have been paid again if not. If it was legal to proceed in this manner, why did they not receive compensation and leave me alone? In XXXX, they requested to be removed from the bankruptcy provisions and to be allowed to accept the payoff. It was granted, months after accepting/holding payment for the loss. To date, they are reporting the account as open with a balance of {$11000.00} with a payment made in XX/XX/XXXX. This is all false. How are they able to circumvent the chapter XXXX, file a claim using my personal data, keep the money and still claim the original amount while reporting on my credit bureau reports?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have initiated a correction with XXXX, Equifax and XXXX regarding the status of a student loan that is showing 90 days past due on all three of my credit reports. I have submitted documenting twice to all three companies to show there was an approved forbearance. After the initial 30 day investigation, nothing was updated and I was told to resubmit the paperwork for all three to re-investigate. All there have requested the info for the re-investigation via mail, on line and fax. I am unable to access an account information that is sent to me, the sites keep saying my information is not correct and while speaking with each company no one seems to understand and or provide any information. When asked to speak with supervisors I am wither hung up on or transferred to a line no one answers. 

I understand that opening an investigation, the companies are supposed to investigate, when asked how they conduct the investigation they have no answer and seem to loose or misplace the documentation that is sent directly to them. The work is already done for them in providing the documentation, which I had to do to actually fix the issue. 

I have received emails from all the companies setting the dispute is completed but when I call they state they are still investigating. How can both be true? I am just looking for my credit report to be accurate. It is a shame that the reporting agencies actually have the power to provide details about an account under the guise of we investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to place credit freeze with EQUIFAX after 3 hours on line and telephone today not to mention numerous attempts in the last 3 weeks. Always can not get through to an agent or complete transaction on line. Have moved 8 weeks ago and I even tried to use my old info from my previous but yo no avail. 

I was able to place a freeze WITHOUT DIFFICULTY with XXXX as well as XXXX. 

What do I or Equifax must do to get some credit protection? 

Have an account with them but but when trying to get on line I am told I must call them. Have tried numerous times with multiple numbers and can not get through!
Product: Debt collection

I have previously asked this company to stop calling me and only send me mail for communication to my po box , but they continue to contact me over phone repeatedly despite my requests. I have explicitly informed them not to call me and have even sent a certified letter to reiterate this, but they persist in contacting me. I have also lodged a complaint in the past, yet they continue to disregard my requests.
Product: Student loan

I was told by an Aidvantage Rep prior to having loans transferred over, that I would be able to : negotiate my loan, have the option to opt out of this program, they would not consolidate my loans, they were not a debt collector. They lied on all these requests. I have sense spoken with many representatives upon receiving more information about them and have had the many excuses as to why or why not, I can get my loans transferred. Each representative says something different and seems to be giving me the run around. This is NOT what I wanted and specifically asked the questions above, to insure I would not be stuck in a situation like this. I do not want to work with this fraudulent company.
Product: Debt collection

THIS WAS AN XXXX XXXX  PHONE THAT HAD INACCURATE INFORMATION STATING THAT THERE WAS A BALANCE IN WHICH THERE WAS NOTHING OWN ON THE PASS OLD ACCOUNT, IN WHICH WAS A XXXX BALANCE, THIS CREDIT COMPANY HAS HARASS ME WITH FALSE INFORMATION.COMPANY NAME IS SEQUIUM ASSET SOLUTIONS XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX PHONE NUMBER XXXX
Product: Credit card or prepaid card

I am a victim of identity theft. I first noticed it when I started receiving calls, emails, texts asking to verifying payment Info for XXXXXXXX XXXX XXXX XXXX XXXX XXXX One of my credit card companies notified me of unusual activity which prompted me to check my other accounts and banks. Upon doing so, I notice numerous unauthorized debits from this account. I notified the bank, filed an identity theft report, froze all my credits with bureaus and contact all parties. I sent a copy of everything and transcripts with the disputes. Although I sent them 3x proving and showing I am a victim of identity theft and these were all fraudulent charges. Within 6 hours of calling, I was told they would dispute or look into the fraud because I never had access to the card, which I did and never told them that. I had told them I did and I had personal info etc hacked and that was fraudulently taking from my account. Net spend treated treated me poorly annd displayed no care or concern to follow government regulations regarding consumer rights and seemed to not even care to want to look too much into it or see the documents I provided showing I am a victim of identity theft. Instead they never cared to contact me, Being a victim of identity theft made me feel worse after the way netspend handled it and treated a customer, who is a fraud victim because of theyre negligence.I am filing a complaint because netspend is violating the Electronic Funds Transfer Act, which limits a consumers liability to { {$50.00} } if the consumer reports the loss within 60 days. I reported the loss to the bank the as soon as possible when I saw the theft had occurred. I would like for these fraudulent charges to be taken off my account and my money returned to me. Thank you very much for looking into this matter.
Product: Debt collection

On XX/XX/XXXX I check my credit and was informed that that SOUTHWEST CREDIT SYS XXXX XXXX XXXX, XXXX, XXXX  XXXX was on my credit report. I didnt know where it came from and i wasn't made aware of it previous. I wasn't given NY NOTICE OF THIS COLLECTION. this HAS COST ME MY HOME DUE TO I WAS IN THE MIDST OF CLOSING WHEN IT WAS ADDED ON MY CREDIT REPORT. I HAVE CALLED AND SPOKE WITH MULTIPLE REPS AND HAVE SINCE FOUND OUT THAT THEY ARE COLLECTING ON A DEBT FROM XX/XX/XXXX AND XX/XX/XXXX. FIRST I INFORMED THEM THAT THIS IS NOT MY DEBT DUE TO IVE HAD IDENTITY THEFT AND HAVE SENT THEM BOTH OF MY POLICE REPORTS SHOWING FROM XX/XX/XXXX AND XX/XX/XXXX THAT I HAD IDENTITY THEFT. i HAVE ALSO SENT THE INFORMATION TO CHARTER COMMUNICATION WHO IS SUPPOSED TO BE THE ORIGINAL OWNER OF THE DEBT. I WANT THIS REMOVED OFF MY CREDIT IMMEDIATELY. i WOULD LIKE AN APOLOGY DUE TO I DON'T OWN MY HOME BECAUSE OF THEM. I WANT THEM TO STOP COLLECTING ON THIS GHOST /IDENTITY THEFT ACCOUNT IMMEDIATELY BEFORE I BRING A LAWYER INTO IT. IN XX/XX/XXXX I WAS LIVING IN XXXX XXXX AT MY MOTHER AND FATHERS HOME. I DIDN'T EBEN OWN MY OWN PLACE YET AND THEN IN XX/XX/XXXX I LIVED AT XXXX XXXX XXXX XXXX XXXX XXXX SINCE XX/XX/XXXX-XX/XX/XXXX. THE ADDRESS THEY HAVE ON FILE I NEVER LIVED AT THOSE LOCATIONS
Product: Credit card or prepaid card

They lost my payments for several months without notifying me and when I found out on my own they blamed me because they say my financial institution took my payment back yet they also stated that I didn't order it or them in any way. They said that I have to continue to make payments even though they couldn't stop losing them. Every payment that I made I would receive a email confirming it and another when it posted to their account but never that it was taken back or not made and said I had to pay the penalties or else. They destroyed my credit rating and even though they stated that I never miss a payment I have to continue to make payments when they can't prove that they have fixed their problem of losing my payments. Contacting them takes days of being put on hold, hung up on, and automated machines that are impossible to make it though. The FBI and the secret service said that they deliberately do this so you can not talk to the fraud division. I will not pay a single fine and they will restore my credit rating a pay my time invested in doing this.
Product: Credit reporting or other personal consumer reports

Cash net USA is showing in collection on my credit file. It has a dropped my scores tremendously. It is also showing up incorrectly on the balance. It also shows on XXXX bureau it shows as a debt recovery company on the other credit bureau, It shows up as a medical collection debt company. it has inaccurate dates because I did not open this account in 2023 and it said it was open in 2023. I asked them to validate the debt and they have not validated the debt as of today but it has been placed on my credit file from XXXX different collection companies and it has dropped my scores tremendously. I need this inaccurate debt and information removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Discover multiple times in regards to an account I used to have with them which shows a delinquency for some reason. I have been with them for over ten years. Out of nowhere Discover decided to close my account with them despite my prior ten years of history that I had with them. On one of the account that was closed, I still had a balance that I was making my monthly payments on. However, after the accounts were closed, Discover decided to make another arbitrary decision and restrict my access to the online banking software and thus restricting my method of payment. I couldn't reach them over the phone to make my payments because every single time I contacted them they were unable to help me and they thought that I had to speak with the Fraud Department of Discover for some reason. I never claimed the account was fraudulent, I always told them that I had to make a payment but by the time that Discover was able to process my request they gave me the worst time ever which led my account to be delinquent and past due on the payment. Discover from the beginning of this calendar year of 2021 and they have been passing judgements and arbitrary decisions regarding my accounts and personal information. I had flawless history with them yet the decided to close my accounts. Then, they decided to make another arbitrary decision of restricting my access to the online banking software so I can not make my payments. Ever since then, I have been contacting them personally to make my payments through the phone.
Product: Bank account or service

Our insurance company issued a check for collision repairs to our vehicle. The check was written in my husbands name & our finance companies name since the amount was over {$5000.00}. This check was not signed by mys husband and the finance company cashed the check anyway.
Product: Debt collection

Some how my information was taken during an settlement I won. This company said I owe them never did any business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently part of a class action lawsuit with XXXX XXXX XXXX, and they are admitting that they were at fault and contributed to me filling a bankruptcy do to repossessed vehicle, Im asking XXXX  XXXX to contact Experian to have Bankruptcy removed that was filled in 2012, thank you
Product: Credit reporting or other personal consumer reports

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 XXXXXX/XX/XXXX None of the inquiries listed were authorized by me. I requested their removal in early XX/XX/XXXX but have not received any updates regarding their removal.
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 : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2200.00}
Product: Debt collection

I am still attempting too remove accurate information from Financial Credit Network from my credit report. I have talked too and attempted to get payment for these charges through my insurance company but this company will not work with us. I have disputed this charge on multiple occasions. I have email 's with me asking for proof that this account belongs to me, proof of XXXX, the original documentation from the hospital with my signature or any other ORIGINAL documentation. They have received correspondence from my insurance company attempting to get the necessary information for payment with no attempts on this company 's behalf too solve this issue. Can this be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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. 1666B : 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: Debt collection

I have tried to communicate with the company since it was sold XXXXXXXX XXXX XXXX  and every month until XXXX of XXXX NATIONAL CREDIT ADJU This is just the XXXX company it has been sold to. I have told them that the payday loan place does not exist in the state of Wyoming and they do not care.
Product: Credit reporting, credit repair services, or other personal consumer reports

Even though I have provided proof that an account ( XXXX  ) is open under my name due to fraudulent activity, Experian has left it on the report. I have previously been impacted by increased rates costing my higher monthly premiums. Now I am getting rejected for what was previously pre-approved credit from companies ( see attached ).
Product: Credit card or prepaid card

I signed up for the XXXX credit card with the offer of XXXX points and {$0.00} annual fee for the first year. Later, I found out that I was charged the {$95.00} annual fee less than 1 month. I am certain that it was shown {$0.00} intro annual fee for the first year and {$95.00} after the first year with a XXXX bonus on their website when I signed up for it. 

I have contacted Chase through Chase secure message center and called their customer service line, I got the same answer from both sides where they refused to refund the annual fee.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX / ACCOUNT NUMBER XXXX 2. XXXX XX/XX/XXXXXXXX / ACCOUNT NUMBER XXXX 3. XXXXXX/XX/XXXXXXXX / ACCOUNT NUMBER XXXX 4. XXXX / ACCOUNT NUMBER XXXX 5. XXXX / ACCOUNT NUMBER XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

Capital one as a company is adversely affected my credit in my authorized users credit adversely based off of in accurate information as well as situation that were completely outside of my control The information provided by Capital One had no specific dates and when I requested to get the specific dates, all they sent me was a copy of my terms and policy agreement. They would not give me the specific dates on when the alleged issue was happening capital one just insured me that would continue to try to debit my account as well as blemish my credit until the issue was rectified, even though the issue was not initiated by me this situation happened between the month of XX/XX/XXXX up until XX/XX/XXXXXXXX XXXX
Product: Mortgage

Select Portfolio Servicing has been Servicing our loan based on an assignment of Mortgage-RE : XXXX XXXX TRUSTEE, IN TRUST FOR REGISTEREDHOLDERS OF XXXX ASSET-BACKED CERTIFICATES XXXX SERIES XXXX-XXXX XXXXT, ( Also Known As- XXXX XXXX XXXX XXXX ) Fact : XXXX XXXX  ACKNOWLEDGE ASSIGNMENT OF MORTGAGE WAS ADDED IN ERROR., On XXXX we called XXXXXXXX XXXX ( Bankruptcy Dept. who handles all XXXX XXXXXXXX XXXX  accounts ) XXXX and spoke to XXXX XXXX Representative XXXX, we asked her how can XXXXXXXX XXXX  add an Assignment of Mortgage if XXXX was not the Noteholder and we advised her of the copy of the Loan Modification making XXXX our Noteholder and XXXX XXXXXXXX was Servicer, as of XX/XX/XXXX and that XXXXXXXX XXXX  sent this information to us on XX/XX/XXXX, XXXX then verified information and then said XXXX made an error, so XXXX then called the XXXX Mortgage Dept., where they verified that XXXX started collecting as Servicer as of XX/XX/XXXX, while on the phone talking with XXXX a Representative from XXXX XXXXXXXX XXXX  ( XXXX ) called me so we were able to bridge her in, who basically verified they sent us our Satisfaction letter, so XXXX then called Select Portfolio Servicing and advised them that XXXXXXXX XXXX made an error, Select Portfolio Servicing Representative XXXX said basically nothing she can do, to contact the Lawyer we advised her we did, so XXXX then advised us to Fax in the Loan Modification and Title Search, Deed info everything to ( XXXX ) XXXX XXXX investigation Dept., research claims # was XXXX ( HLEO ) Home Loan Executive office, to see why it was transferred and the 2nd one was XXXX to Explain Assignment of Mortgage, they officially received XXXX. XXXX acknowledge they were Noteholder and that there is no Lien and they were willing to work with servicer to remove any Liens, we sent information to Select Portfolio Servicing- ( Servicing for Investor XXXX since XXXX ) and to XXXX  - ( XXXX-servicing for XXXX XXXX XXXX  XXXX until XXXX XXXX XXXX There is No Mortgage, No Assignment of Mortgage, No Lien.