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

XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1800.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department XXXX Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$1800.00} {$1800.00} Payment Info Original loan amount {$1800.00} Balance {$1800.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, PAXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XX/XX/XXXXXXXX XXXX Original creditor : XXXX XX/XX/XXXX{$610.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$610.00} {$610.00} Payment Info Original loan amount {$610.00} Balance {$610.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, VAXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XX/XX/XXXXXXXX XXXX Original creditor : XXXX XX/XX/XXXX {$640.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$640.00} {$640.00} Payment Info Original loan amount {$640.00} Balance {$640.00} Status date XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, VAXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XX/XX/XXXX {$17000.00} Closed 7 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$17000.00} {$21000.00} Payment Info Status Repossession Status date XX/XX/XXXX Past due amount {$17000.00} Original loan amount {$21000.00} Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more all ftc violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX took out leased vehicle from XXXX XXXX XXXX in NJ, financed thru XXXX XXXX ( aka Santander Bank ). my monthly payments were XXXX from my Bank. XX/XX/XXXX had to file Chapter XXXX since Pandemic caused my Bank to close for a few weeks, was not able to pay bills, except by phone which was done for XXXX XXXX, even thru thr XXXX XXXX <NO PAYMENTS WERE EVER MISSED,, All payments to date have been on time, Had signed a reaformation with them. They have deceided NOT TO REPORT my credit payments to any agency. I have called them repeatedly, get some XXXX with an attitude, tough luck we are not going to report to credit agencys, XXXX credit was sent a dispute, never answered, just sugest takinh there Boost service @ {$19.00} per month. Only XXXX has my score low, since I wont take Boost service, XXXX XXXX XXXX have my scores in the mid XXXX, buut dont show XXXX XXXX , only XXXX shows my XXXX XXXX XXXX. My lease Expires in XX/XX/XXXX, this will have been my XXXX lease with XXXX XXXX. Yes I have complaned tothem, but told itd a Bank issue, Santander Bank will not help in any way its a seperate entenity not controled by the Bank. The dealer was informed & could do nothing, was told by dealer get a Lawyer, unfortunately my layer has pass away due to Covid dont know where to go from here
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENITY THEFT. I HAVE NEVER IN MY LIFE DEALTH WITH ANYTHING LIKE THIS. THIS EXPERIENCE HAS RUINED MY LIFE. I HAVE BEEN GOING BACK AND FORTH WITH XXXX ABOUT XXXX XXXX AND SUNTRUST BANK ( NOW TRUIST ) THEY HAVE ALL OF MY INFORMATION FROM FTC AND POLICE REPORT, ID, AND ANY OTHER INFORMATION THEY ASKED FOR. XXXXXXXX XXXX AND TRUIST HAS NOT BEEN REMOVED FROM MY CREDIT REPORT AND MY CREDIT SCORE IS STILL DECREASING. THIS HAS AFFECTED ME MENTALLY TO WHERE I ALMOST HAD TO SEEK MEDICAL ATTENTION. THIS HAS RUNIED MY ENTIRE LIFE. AN AGENT AT TRUIST ADVISED FOR ME TO PERSONALLY MAKE A COMPLAINT IN THIS REGARDS.
Product: Credit reporting or other personal consumer reports

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( Transunion, XXXX, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with transunion and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 
Transunion XXXX XXXX XXXX Balance XXXX Date Opened XX/XX/XXXX Acct Number XXXXXXXX XXXX XXXX XXXX  Balance {$470.00} Date Opened XX/XX/XXXX Hard Inqurires XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Home shopping ) XX/XX/XXXX XXXX ( Miscellaneous ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -
Product: Debt collection

The company is trying to collect debt without contacting me, to see if the debt is valid. I found out about the alledged debt on my credit report. The law requires them to contact me in writing and allow me 30 days to dispute or settle the debt and that didn't happen. I do not owe the debt and they wouldn't know because they have not communicated with me and I have not received mail from them, because I have USPS Informed delivery and there is no records showing I got mail from them.
Product: Credit reporting

I previously deleted the following inquiries on my credit report and TransUnion has failed to provide me with an update and or remove the inquiries. The investigation has been longer than 30 days. 

The following inquiries are inquiries that I am deleting as a result of identity theft : XXXX - XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX I 've contacted each and every company and they ca n't tell why or how my credit was run. They advised that I dispute the information with the credit bureaus which I have done several times with TransUnion. If they ca n't validate the information for me and ca n't tell me why it was run then TransUnion must not be doing an investigation on these inquiries as I am requesting.
Product: Credit reporting or other personal consumer reports

Since XX/XX/year> neither I nor my husband have been able to obtain our Experian credit reports through XXXX Each time we try we are rejected with the message " A condition exists that prevents Experian from being able to accept your request at this time. ", and told that we must submit a written request for our reports. 

I am at a loss to understand what is wrong with Experian. We have had no issues with the other two credit reporting agencies. We haven't had to submit any corrections to our credit histories in many years and we haven't been targets of identity theft. A quick Internet search shows that this is not an unusual problem for other people either. I am left with the impression that Experian is deliberately attempting to circumvent the Federal requirement that consumers have free and easy access to their credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Tx, XXXX Dear Debt Collector, I recently received a debt collector notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information.

1. The name and address of the original creditor and current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Please state your permissible purpose for accessing my credit information. 
I dispute your right to do so. 

I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Mortgage

Dear CFPB.I would like to inform that in letter dated XX/XX/2019 there are mathematical errors and lies.I repeat that in XX/XX/2019 there was no increase in city tax and home insurance.The mortgage payment, was, before XXXX increased from {$1500.00} to {$1500.00} have included an increased city tax from {$5500.00} to {$6200.00} .This is about $ 50 monthly difference.This different is included in $ XXXX monthly payment.In XX/XX/2019 you increased the escrow deposit from {$650.00} to {$690.00} in the same letter you increased escrow deposit again to {$720.00}, without any good reason, next you added to my monthly payment {$97.00} and you got quote of $ XXXX monthly increased from $ XXXXCould you tell me please how you get the quotes of {$97.00}. 
This is my counting of escrow deposit. {$510.00} city tax monthly, MPI $ XXXX monthly, Home insurance {$77.00} monthly.The total is {$720.00}. It agrees with your calculation.But if shortage of {$760.00} divide by 12 months = {$64.00} extra.If you add {$1600.00} to {$64.00} you get {$1600.00} total. 
How you get {$1700.00}? .Diference $ XXXX.If you multiply this by 360 months of loan terms, this total is {$13000.00} extra to pay off.Sorry I can not accept this. 
I remind you I never pay after XXXX my partially payment, so apply to me late fee is ILLEGAL.Second remind, partially payment can not be counted as unpaid payment.This is ILLEGAL
Product: Credit reporting or other personal consumer reports

I asked to remove and update some inaccurate information on my report such as address that does not apply to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect reporting dates dont match for all 3 bureaus
Product: Checking or savings account

I received the attached notice in the mail. It is directed to : [ My name ] XXXX XXXX XXXX XXXX Ohio [ My address ] My personal name and  address are correct on the included document, but I don't know who " XXXX  XXXX  XXXX Ohio '' is, and I also don't have an account with Truist. 
I called Truist and was forwarded to the answering machine in their fraud department. I was supposed to receive a call back within 48 hours but didn't.

I am now abroad and saw on their web site that for fraud cases, the procedure is to report the fraud to the FTC. 
That is why I am submitting this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amongst the three credit bureaus my personal information is reporting inaccurately which violates my consumer rights per the following information : Firstly, there are differences in the name of the account holder across the three credit bureaus. XXXX lists the name as " XXXX XXXX XXXX, '' while Experian and XXXX both list the name as " XXXX XXXX XXXX. '' This discrepancy in the spelling of the middle name could potentially cause confusion and lead to errors in the reporting of the credit history. 

Secondly, there are discrepancies in the current and previous addresses listed by the different credit bureaus. XXXX lists the current address as " XXXX XXXX XXXX XXXX XXXX, GA XXXX, '' while Experian lists the same address but without the " XXXX '' in XXXX XXXX name. XXXX lists the address as " XXXX XXXX XXXX XXXX XXXX, GA XXXX. '' Similarly, the previous address listed by XXXX is " XXXX XXXX XXXX XXXX XXXX, GA XXXX, '' while XXXX lists XXXX same address but without the zip code extension. These inconsistencies in the formatting of the address could lead to confusion and potentially impact the accuracy of the credit report. 

Finally, there are differences in the employers listed by the different credit bureaus. Experian lists " NOT PROVIDED '' as an employer, while XXXX and XXXX do not. This discrepancy could raise questions about the accuracy and completeness of the credit report. 

These inconsistencies may violate the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy and completeness of the credit reports they produce. Specifically, Section 607 of the FCRA requires that credit bureaus " follow reasonable procedures to assure maximum possible accuracy of the information '' in credit reports. Additionally, Section 611 of the FCRA requires credit bureaus to provide a free copy of the credit report to consumers once every 12 months, so that they can review the information and report any errors or discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just turn XXXX years old last year and finally got a chance to try and go to a local bank in my city to start credit but couldn't because I found out that I had a loan with a bank name Westlake financial that I never knew about. I couldnt even purchased a vehicle at the time they report that it was open. I wasn't even old enough to even purchase a vehicle or even sign paperwork in which I dont know nothing about. I have reported this twice and spoke with someone there and they still want remove this off my credit report. I think this should be remove right away please.
Product: Mortgage

On XX/XX/2020 I applied for a program to assist with my student loan and applied for a small personal loan through my bank. On XX/XX/2020 I received a denial from my student loan lender and from my bank, both reporting that my VA Home Loan with LoanCare - XXXX XXXX in XXXX  XXXX VA has reported me to the credit bureaus as being in forbearance and on the " verge of losing my home '' and declining to make payments. I made several attempts to reach someone at Loan Care and was put through the calling tree. I made several calls to several numbers, all phone tree and now way to reach a live person. I found my suspended payment letter from Loan Care - my payments  are suspended currently due to COVID, and attempted to call the Mortgage Advocate listed. Phone tree. I have been unable to reach anyone. My credit is now ruined, which was not great to begin whit and I have been working very hard to repair. Checking my credit score I see I have went down almost 60 points due to this Loan Care debacle. I can not get anyone at LoanCare to speak with me, respondent to me or find a live person to speak with. I attempted to submit a dispute through XXXX  and have been told I need several pieces of documentation. I am unsure where to go from here and am very upset that this is a VA home loan, that I was told suspending payments during COVID would not be reported to credit agencies, and has been. Advice?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$8800.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Listed and incorrect account balance incorrect dates. The account is listed as open when they account is indeed close and the account is also listed as a charge off. 
This account is paid in full. See supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Product: Credit reporting or other personal consumer reports

I HAVE INQUIRIES ON CREDIT REPORT I HAVE NO BUSINESS DOING
Product: Credit card or prepaid card

I called capitol one on XX/XX/XXXX to inquire about possibly getting late fees reversed on my personal credit card account. I had explained that I had lost my job and was behind on some bills. I spoke with XXXX employee Id number XXXX. XXXX checked and found that he was unable to remove any of the fees. I asked him if I made a payment that day for the past due amount if I could have the 30 day late payment removed from my credit report. XXXX agreed and when i requested in writing that he could do this he told me that he had to wait until my payment posted. He explained that I would need to call back in a day or two after the payment posted to have the late payment removed from my credit report. I paid the past due amount of {$120.00} on my journey card ending in XXXX. Later that day I called again and spoke with a different agent who informed me that they were not allowed to remove anything from credit reports and that he was very sorry that I was told this. This is unacceptable and I am not sure what to do about this but I do know the conversations are recorded. Thank you for your help with this matter.
Product: Vehicle loan or lease

On XX/XX/2018 I made a payment at PNC in their ON LINE banking system. The payment was not applied as it should have been. I have made the same payments in the past in the same matter without a problem. The funds for the payment were taken out of my checking account on XX/XX/XXXX. I am familiar with the ACH process and know that a batch file with my recorded payment was submitted by PNC, received by my financial institution ( checking account ) and settled/withdrawn on XX/XX/XXXX. I have made three calls to PNC. Their representatives have admitted their problem but will not apply the payment until they find out what is causing the issue internally. All the while they have been checking into this problem my payment has not been unapplied and the loan is accruing interest. 

I asked if PNC can apply a provisional credit of my loan payment while they investigate the issue. I was told no. Keep in mind my account with PNC is in good standing and I have never been late. Image if this payment would have caused an issue on my Credit Report. It would illustrate as a delinquent loan and cause my score to go down due to no fault of mine. 

Very concerned if they continue with this practice and as a result customer 's Credit Score is decreased when it is PNC 's fault. They must change this practice. If I were to apply for Credit and I could not get a great rate because of a error by PNC. This can cause financial harm. 

Your help in this matter is very much appreciated. 

Best Regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to report several unauthorized hard inquiries on my credit report. The following inquiries were made without my consent : SANTANDER CONSUMER USA - XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> SANTANDER CONSUMER USA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date not specified I did not authorize these inquiries and am concerned about their impact on my credit score. I request that these inquiries be investigated and removed if found to be unauthorized.

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

The company in question is Wells Fargo and cash app. I was scammed for the purchase of a dog and I went to my bank and cash app to explain the situation. They both said there was nothing they could do after promising to help me with the situation.
Product: Debt collection

I never signed for that vehicle, XXXX  ex boyfriend used my social security number and sign for me, and he was in charge of that vehicle, you can contact directly the dealership that was in XXXX and i never lived on XXXX. 
I tried to explain that since he was on the credit. 
I want them to stop making me pay