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

I need to have XXXX items remove from XXXX, XXXX, and XXXX account. 

I do not know how the XXXX items are on my credit report.
Product: Debt collection

Wakefield and associates has contacted me numerous times to collect a debt of {$740.00} for a hospital visit from XXXX/XXXX/2021. At this visit, I checked in and waited 45 minutes then left. I never had any services performed or anything. When I requested an itemized receipt they sent me name, account number, address, Social Security number for a different person. This not only violates that individuals privacy and compliance but did not provide me any proof of my visit. 

They did provide me something that said the {$740.00} was for emergency med visit but I didnt have anything done, I just sat in the waiting room so I dont believe its fair to charge me for services that were never performed. The address tied to my name is also incorrect, Ive never lived in Virginia.
Product: Credit reporting or other personal consumer reports

I have disputed with Experian over three times about inaccurate bankruptcy they have on my credit report. 
XXXX Experian said it was verified XXXX I uploaded online and mailed a notarized document from the court saying they have no knowledge of this bankruptcy. They responded they verified this through a third party XXXX I then put a complaint with CFPB -All other bureaus have deleted this bankruptcy since it wasn't accurate. 
XXXX I uploaded online and mailed a notarized a copy from the court and a notarized copy from XXXX saying " We have reviewed the information from our Bankruptcy Records and determined the data being reported as unverifiable. The data In question has been removed and our files have been updated after research conducted with the following source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX '' XXXX I am disputing again and filing another complaint with CFPB. Next action will be filing with the courts. This has affected me horribly with loans and business loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

My name is XXXX XXXX. I have reached out to all of the three Credit bureau : XXXX, XXXX, Equifax several times nothing has changed. I would like all listed fraudulent accounts to be removed as soon as possible.
Product: Credit reporting or other personal consumer reports

These hard inquiries are frandulent and does not belong to me. I did not authorize this inquiries and have no record of requesting or applying for any credit or services from these companies. 

XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX combined my paid off account to a delinquent account and reported to the credit bureau It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) )
Product: Mortgage

Hello i am writing to report Franklin first financial company. This company is unethical, unwilling and unresponsive with the loan process i am currently in. I am dealing with this company over the past six months and still we are unable to close a loan. I understand issues were involved on our part with the contractors initially however after all the paper work was submitted still no response still no answer. So in short this is what my family and i are going through. We are being swindle everyday with unrealistic dates, we appointed one person to handle calls and communication however when he calls his calls are either 1. ignored 2. send to voicemail 3.forward to a number that leads you to a number that does n't work. The mortgage bankers are very incapable in this company. They promised a 48-72 hour document review feedback however i have never received a feedback in this time period. These bankers are very slow they work reactive instead of proactive. The process has being so slow and exhausting that i had to submit documents not once or twice but three times. The major problem i have with these bankers are giving us false hopes, false dates, ignoring consumer telephone calls and other deceptive practices. When the compliance officer reached out to me it was the same thing they blamed us for not submitting documents on time however if they stood to there promise this would n't be a issue. Please help me understand why this company has to used deceptive practice.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 NOW Have CAPITALONE HARD PULLS XXXX XX/XX/XXXX, XXXX CAPITALONE BANK USA XX/XX/XXXX AND XXXX. 

XXXX, CAPITALONEAUTO FIN XXXX CAPITALONE XXXX AND XX/XX/XXXX AND CAPITALONE AUTO FINANCE XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an email of an alert of a new account applied to my credit report. I tried contacting pay tommorow to inquire about why they are on my credit report and why they took a year to get ahold of me for something I didn't authorize. They told me to file a police report and contact the third party that issued some purchase. I cant get through to the third party to see what was fraudulently purchased with my info. Not sure what the police can do as it's taken this company over a year to inform me of some third party purchase I didn't authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Equifax requesting that they correct this erroenous account being reported on my File because they have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue the Credit Bureau for their willful non-compliance of the FCRA XXXX. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is listed below : XXXX XXXX Late Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I had a loan with XXXX XXXX XXXX XXXX. I had XXXX issues with XXXX Then they sold off all of these loans to a company called XXXX XXXX XXXX and it has been a nightmare ever since!! They report my loan 30 days past due every 10-12 days. I have been paying them every single month. Since XXXX of XXXX  until now XXXX has not responded to any of the 30 emails sent. Their reps when you call are cluesless and rude and do not fix anything. They are destroying my credit while i am paying them. Which is ridiculous and they refuse to fix the problem. I have filed disputes with XXXX and XXXX and sent documentationa and they have not fixed either. This company does nothing. I find it strange that I had XXXX problems with XXXX XXXX and now there are thousands of complaints since sell off to XXXX XXXX. This company is a disgrace and they should not be able to report anything, Also online you can not see previous statements nor can you look up more than past 6 months of payments. This is fraud and a scam
Product: Credit reporting

On XX/XX/2016 I had all my inquires deleted. And when I logged back in today they are all back. This caused my score to go down.
Product: Mortgage

I signed a loan mod and made the first and every payment under the loan mod on time. The mortgage company said it would take 60 - 90 days to report against the deeds, then reflect in the company system, and finally to report to the three credit agencies. Then out of no where the mortgage company is reporting my 63 days and counting as past do. 

The combination of these factors is negatively impacting my credit causing damages to the point where I can not a get a loan and adding stress b/c they are calling asking me to pay additional fees for bein late on payments ( which is not the case )
Product: Money transfer, virtual currency, or money service

It was XXXX XXXX dollars tooking from me out of my account on XX/XX/year> I just want my money back XXXX also was tooking from me XX/XX/year> and on XX/XX/year> also XXXX was also tooking from me
Product: Checking or savings account

I had a checking account with XXXX XXXX that is now XXXX XXXX that was closed due to fraud activity that I was unaware of I paid debt owed to the bank and this account is still showing up as fraud activity this situation is stopping me from opening any accounts I have filed a police report I have disputed this with early warning service they still havent taken care of the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is not being reported correctly. It shows my account as open with XXXX when this has in fact been paid in full. Also none of the balances are reported correctly, each credit agency is showing completely different payment dates and details. This information cant be reported accurately if it isnt matching on all three credit reporting agencies data. Correct information should match on all reports. I am attaching a letter that claims you have researched and are showing information is being reported accurately which is false. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : AUTOMOBILE Date Updated : XX/XX/XXXX Payment Received : {$300.00} Last Payment Made : : XX/XX/XXXX Pay Status : Current ; Paid or Paying as Agreed Terms : {$280.00} per month, paid Monthly for 23 months Maximum Delinquency of 30 days in XX/XX/XXXX and in XX/XX/XXXX for {$280.00} High Balance : High balance of {$4800.00} from XX/XX/XXXX to XX/XX/XXXX ; {$4800.00} from XX/XX/XXXX to XX/XX/XXXX ; {$4800.00} from XX/XX/XXXX to XX/XX/XXXX ; {$4800.00} from XX/XX/XXXX to XX/XX/XXXX
Product: Debt collection

In XXXX a company called XXXX XXXX, under the name cbe group ( partnered with XXXX  ) applied on my credit report a XXXX $ debit that I have no knowledge of or ever used. I was a customer of XXXX  for a year and paid XXXX $ per month and at the end of my service I returned all equipment and paid all fees. I already have XXXX  on audio confirming all my accounts with them are at XXXX and closed out. On XX/XX/XXXX I filed a complaint with XXXX  to have them remove it from my account yet they told me my social security number was confirmed on being on file with them. I believe this to be some type of fraud and havent been able to contact the creditor about this situation either
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my updated credit report, I see that the same account was erroneous. XXXX and TransUnion are required to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unverified information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$4700.00}
Product: Mortgage

PRIOR TO SIGNING AGREEMENT REQUESTED A FAMILY MEMBER NEEDED TO SUMMIT AGREEMENT WITH RENT .APPROVED LOAN WITHOUT ADDRESSING OUR FAMILY INCOME FOR BENEFITS FROM DISTRICT OF COLUMBIA FOR XXXX AS WELL AS XXXX SPOUSE.NONCOMPLIANCE WITH ASSISTANCE ADDRESSING CONCERNS FOR GRANTS ELIGIBLE FOR.PURCHASED LOAN FROM XXXX WITH VERY HIGH ADJUSTABLE RATES.NONCOMPLIANCE ASSISTANCE FOR HOMEOWNERS ASSOCIATION FOR TAX CREDITS.XXXX WAS LAST EMPLOYER.SECTION CONCERING XXXX. NEGATIVE REPORTING REQUESTED COMPLETION WITH ANOTHER MODIFICATION ONLY TO TRANSFER TO ANOTHER LENDER. WHICH WAITING WAS TOLD NOT TO MAKE PAYMENTS ONLY TO CONTINUE WITH ADDITIONAL LATE FEES ETC.
Product: Credit reporting or other personal consumer reports

Someone used my information to open accounts and some inquiries that I had no knowledge about XXXX XXXX XXXX  opened XXXX XXXX {$3000.00} XXXX XXXX opened XX/XX/year> {$2300.00} XXXX XXXX opened XX/XX/year> {$0.00} XXXX XXXX XXXX XXXX opened XX/XX/year> {$0.00} XXXX XXXX opened XXXX XXXX {$0.00} XXXX XXXX XXXX  opened XXXX XXXX {$0.00} XXXX XXXX XXXX  opened XXXX XXXX {$0.00} XXXX XXXX XXXX opened XX/XX/year> {$12.00} 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
Product: Checking or savings account

My Chime account was involuntarily closed by Chime and I have not received the remaining balance of funds in my account, which is approximately {$50000.00}. 

I have repeatedly contacted and spoken with Chime phone support for assistance in resolving this issue, to no avail. Therefore, I am reaching out to CFPB for assistance in regaining access to my funds. 

Below are the details of the issue and sequence of events : On XX/XX/2023 Chime sent me an email stating " We are reaching out because routine monitoring identified activity on your Chime Checking Account that requires verification. '' They further asked that I please provide the following, which I sent to them the same day : 1 ) Copies of your current Govt. ID or Drivers License 2 ) A bill or notification dated within the last 60 days to verify your current address 3 ) Proof of income ( W-2, paystub, etc. ) or source of deposits for the XXXX Money Transfers totaling {$46000.00} and the XXXX XXXX deposits totaling {$1800.00}. 

4 ) Please provide an explanation for rapidly removing of funds via $ XXXX in billpay, XXXX, and other means. 

Regarding proof of the $ XXXX requested above, $ XXXX of that deposit was from a check that I received from my auto insurance company ( XXXX ) for a wreck of my truck, which was totaled in a car accident. The remaining deposits were from income from my self-employed businesses. Without having access to these funds I have not been able to replace my truck with another one. 

On XX/XX/2023, Chime sent another email stating the following : " Following a recent review of your Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/2023. Once your Checking Account is closed, a check for any remaining balance will be mailed to you within thirty ( 30 ) days of XX/XX/2023 to the address we have on file for you. '' In late XXXX I received a check from Chime in the amount of {$1.00}. I have no idea where they came up with that amount, since my account balance was around {$50000.00}. And I no longer have access to my bank account to see the remaining balance. I've continued to reach out to Chime about the issue, again to no avail. I would like to receive all of my funds back from Chime, but as of today, XX/XX/2023, I have still not gained access to funds. 

Can you please help? 

Very frustrated Chime Account Holder
Product: Debt collection

I tried to work with the credit card company Discover, but they wouldn't work with me on what I could afford due to not working while fighting XXXX, now they call me from some bogus phone number and want me to call them, they call me every single day at least once sometimes several times. I've told them that my situation hasn't changed and that as soon as I can do something to begin payments I will contact them but they are still calling every single day.
Product: Debt collection

XXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX divulge my debt to a third party in order to track me down. On XXXX XXXX, 2015 police officers delivered a " CONSENT JUDGEMENT '' to XXXX XXXX XXXX, XXXX, LA XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

and list of Inquiries. 

XXXXXXXX XXXX XXXX XXXX  XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrect language on the XXXX account number XXXX. This account is being reported as a Balloon Payment account with a balance amount due of {$20000.00}. The original amount financed was {$26000.00}. The loan terms are to make 179 consecutive payments of {$170.00} of which I have made 167 consecutive payments of {$170.00}. The total amount I have paid to date is {$29000.00}. The interest rate that I was being charged was 7.030 %. This loan has since been paid and there is no balloon payment due. I have contacted H.U.D. in the State of Illinois regarding this loan agreement and I was told that this loan was not only a predatory loan but the fact that the Balloon Payment terms were never property explained to me is a direct violation of fair lending practices. I was victim of this predatory lending practice. The language currently being used on my credit report states this account has a Balloon Payment which is incorrect and my credit report is also showing an incorrect amount past due. This false reporting is seriously harming my credit score and this line item needs to be completely removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however I have not been successful.
Product: Mortgage

This is a follow-up to a previous complaint that was filed with your agency in XXXX I am still unable to obtain a loan modification and this process has been ongoing for many years. Wells Fargo refuses to process my loan modification, even after receiving all of my updated documentation. I am directly affected by the lawsuit filed against Wells Fargo because my modification has been in the process during that period and is still not approved, even after giving them all of the documents requested. I am requesting that you please intervene on my behalf and assist me with keeping my home for me and my family.
Product: Credit reporting or other personal consumer reports

This Loan account has been paid and closed please remove from credit report. 

XXXX XXXX XXXX  XXXX  POTENTIALLY NEGATIVE Account Info Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Original Balance {$17000.00} Highest Balance-
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute some items off my credit report with Equifax and I am unable to do so. Their website will not allow ANY disputes to go through. Specifically, I am unable to dispute anything on my credit report and there are items on my credit report that should not be there. For one, XXXX XXXX. There are others however, I am not able to see them nor dispute them. Please see my original complaint I submitted last week below. THIS IS A NEW DISPUTE not an existing one. I need a copy of my report and I need to be ABLE TO DISPUTE incorrect items off. 
XXXX Hello, I have had an ongoing issue with XXXX XXXX during COVID about reporting erroneous information to the credit bureau ( s ) since they are aware of this disaster and XXXX told me they would not be reporting payments not received or late. Due to COVID 19 my employment has been shut down and our office closed since XX/XX/2020. However, my payment was current until this month whereby I was ran off the road in XX/XX/2020 and suffered injuries and totaled my vehicle due to an 18 wheeler hitting us and not stopping on the highway. XXXX was notified and an inquiry was made to them by my insurance company for a payoff amount. In addition, my adjuster contacted them on Friday, XX/XX/XXXX to get a correct statement on tax and sales of the vehicle. I paid this fee and my insurance company in the settlement had the monies going to XXXX. Therefore, XXXX has received the payoff - were notified and has been updated again last week. XXXX ( AGAIN ) reported a late 30 day payment to XXXX, XXXX  and Equifax as well.  They should not have, just like they should not have a couple of months ago. I want this information removed immediately from all bureaus and its impacting my credit report with Equifax. There are also other items on Equifax report that I need to dispute.