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

I have an old credit card from XX/XX/XXXX which was paid in full yet is marked as a collection/charge off when it was not ever charged off or in collections. S BANK XXXX XXXX has already stated the account was paid in full and was to be removed from my credit report in XX/XX/XXXX however the account is still reporting negatively. However on my XXXX report the account states it is to be removed from my report XX/XX/XXXX which USBANK did not agree to. 

Creditor ; US BANK XXXX XXXX Account marked as Collection/Chargeoff Balance ; {$0.00} Contact ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
Product: Mortgage

In accordance with the FAir Credit Reporting act this creditor has violated by rights under 15 USC 1681 section 602 states that I have the rigth to privacy ( 15 USC 1681 ( section 604a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a mortgage account under an open end consumer credit plan late for any purpose.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), Please investigate the unverifiable items and remove them immediately from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Checking or savings account

I have been trying to get my money back from chime for a long time. They have told me there is no funds and the get them back from the person that sent the funds and that is the IRS. They have not given the funds back to the IRS for them to even get them back. The amount in question is {$2000.00}. I have been on the phone with them many times telling me lies and the I should be getting a closer check but never have. I would like to know how to get my money.
Product: Money transfer, virtual currency, or money service

I am XXXX and XXXX 's most caring XXXX. I am also XXXX XXXX XXXX XXXX. XXXX rules require me as a licensee to have a trust account co-owned by the state of Nevada for all my XXXX ' deposits. That account is XXXX. XXXX. The purpose of this account is for the state to be able to return XXXX  ' monies if I die or I lose a state dispute. 
I have four other business accounts at the bank owned solely by me. 
Today all XXXX want to do transactions by XXXX. I, however, only use this account when I return XXXX  funds. Sometimes I go years without sending a dime. 
This XXXX I had three XXXX  move out. 
State law says the XXXX  is liable for TREBLE damages if I don't return their funds in 30 calendar days from move out. 
I sent the first XXXX, in XXXX XXXX, {$6200.00} by XXXX. Paid! 
The second one, in XXXX, I owed {$15000.00}. I sent him {$1000.00} a day until I reach my XXXX limit, owing him money. 
I needed to XXXX the third tenant {$7200.00}. Since XXXX was unavailable and the clock was ticking toward treble damages, I drove to XXXX XXXX XXXX to hand my XXXX of seven years a check. 
They were angry I couldn't XXXX them. They needed these funds to pay for their next security deposit. Instead of having their money instantly, they had to wait until the check cleared. They ALMOST lost their next housing because of this policy. 
The XXXXXXXX XXXX were ski instructors from XXXX. I can not send them a check since they could not easily cash it. I could wire the money but then they would have to pay a fee, which is my responsibility because they don't have to pay to get their money back. And why should I give the bank wiring fees when I could XXXX it for FREE? To me this is a policy to keep me from my money so they can make more. 
I first approached XXXX to raise my monthly limit on this account ONLY. They said only my Wells Fargo banker could do that. I then went to my branch and met the branch manager. She escalated my request to the powers on high. My escalation no XXXX. 
Wells Fargo then refused to raise my XXXX limit on this trust account. They said only XXXX could do it! 
XXXX 's policy puts me at risk of treble damages AND severely inconveniences my XXXX 
I did mention that this is NOT my money. I am just its trustee. All I want to do is comply with Nevada law and return money that is NOT mine. 
I am not asking to up my XXXX monthly limits on any of my personal accounts. 
Both XXXX and Wells Fargo pointed the finger at each other. Neither fixed my problem. 
I am asking you to require them to raise my limit to the amount of money in the trust account in case all my XXXX  suddenly abandon me and I have to return THEIR money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX about reporting to third party credit bureaus on an account that is closed. I do not wish to contract with XXXX XXXX. XXXX, Equifax, and XXXX have not removed the closed XXXX XXXX account from my report as I did not give written or verbal agreement to report to those agencies. I have tried to dispute the account with the bureaus but they have yet to remove it.
Product: Debt collection

Company making repeated harassing calls to my business ( XXXX XXXX XXXX, XXXX. ) after being told calls are to wrong person. Speakers allege they are calling on behalf of U S Department of Education. Callers demand personal identifying information and state they will continue to call until I disclose such information to them. Also spoke to Supervisor and asked that calls cease.
Product: Credit reporting

frequently offline and unable to pull my score from equifax even though i pay a monthly fee for this privilege. this has created numerous issues.
Product: Credit card or prepaid card

I am the consumer, original creditor and natural person. Capital One violated my rights by closing my credit card account without my consent or knowledge. Pursuant to 15 USC 1602, the closure of my account was unauthorized as I, the cardholder, received no benefit from its closure. Capital One closed my account because the alleged balance on the credit card account had not been paid however, pursuant to 15 USC 1602, the credit card account was an open end credit plan and should have no limit. Capital One discriminated against me by closing my account.
Product: Credit reporting or other personal consumer reports

I have not applied for any credit, loan, or service from the creditor listed above during the specified date. This unauthorized inquiry is inaccurate and negatively impacts my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I review my credit report, I realized that some of the information was erroneous. XXXX and Equifax are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounst below : XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXXXXXX Balance : {$19000.00}
Product: Credit reporting or other personal consumer reports

CFPB, I WANT TELETRACK TO STOP SHARING MY PERSONAL INFORMATION
Product: Mortgage

We filed bankruptcy over 10 years ago and had a line of credit with GreenTree Mortgage. Our house was foreclosed on in 2009. Several calls were placed to them to notify. They told me it was being written off. Now, 7 years later I am getting harassing calls from Ditech Mortgage about paying the delinquent account and are reporting it on my credit report.
Product: Debt collection

I settled my account with Wilmington Savings Fund Society ( WSFS ) in XXXX, Delaware through their third-party debt collector, XXXX XXXX XXXX, on XX/XX/2020. Despite repeated calls to the Collections department at WSFS, they refuse to update my XXXX  and XXXX  credit bureaus to reflect that the account has been settled. Interestingly, they have reported this correctly to XXXX. It appears that they are submitting under two separate subscriber ID 's. I am attaching supporting documentation showing proof of settlement along with the two different subscriber ID trade-ins in which they are reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to dispute these items because they have alot of inaccurate information on my credit report or I will take legal action. I have highlighted the inaccuracies and inconsistencies and you'll be able to see them for yourself. I was lied to when I signed these loans as well. I was promised by my school that is now closed down, that they would help me get a job making at least XXXX a year with a Degree in XXXX XXXX XXXX. When I graduated I received ZERO amount of help from the school and all they did was get my to sign for a loan that's it. This completely destroyed my life and credit. I have XXXX kids to take care of and can't get my life on track because these credit bureaus refused to delete these items from my credit
Product: Credit card or prepaid card

I paid off the balance including late fees of my XXXX XXXX credit card in XX/XX/2022. They continue to charge me interest and initially refused to close my account even if I paid off the debt that they said I owed. 
I was hung up on several times and also the customer service agent cussed at me and refused to close my account. 
I was finally able to get a hold of someone else who explained everything to me, deleted the fees after I threatened to report them, and supposedly closed my account. 
I have no confirmation that the account was actually closed Nor do I have any confirmation that they did away with the interest on a XXXX balance credit account. 
I will no longer have cards with Comenity
Product: Credit reporting or other personal consumer reports

My XXXX XXXX  was purchased while I'm XXXX  XXXX and Westlake included the car in the XXXX  XXXX was discharged on XX/XX/XXXX was told by Westlake can no. Longer report car payments as debt was discharged .. when I called was told someone changed the status to dismissed now Westlake has added charge to my credit and dropped score XXXX points. Agent said person who did it no. Longer works there.. I need this to correctly reflect discharged I'm bankruptcy and charge of removed as I'm not responsible for the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$60.00} UXXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX/XXXX/XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XXXX # *********** Requesting Remove Item 30 Days Late Payment XXXX XXXX Account # XXXX I had a XXXX XXXX Account ending last XXXX # XXXX They have been reported late payment 30 days on XXXX XXXX all XXXX credit reporting agencies Experian, XXXX. 
But I am already contacted with them and they removed 30 days late payment above account on my all credit reporting agencies on XXXX XXXX. 
XXXX completely deleted there credit file ( Refer attachment Protect ID Experian report and CPFB XXXX XXXX responded XXXX already deleted ) XXXX also They removed on XXXX/XXXX/XXXX .But again XXXX XXXX reported on XXXX XXXX as a Late payment XXXX above account on XXXX report XXXX After that I complaint Consumer Financial Protection Bureau ( CFPB ) ON XXXX/XXXX/XXXX They believed XXXX XXXX send wrong information and XXXX deleted above late payment on their credit file ( refer CFPB Case number XXXX and copy attached ) Now up to date no longer shows my XXXX credit report above Late payment on XXXX there credit reports. But your reporting agency still shows above account as a Late payment. 
I submitted XXXX XXXX and XXXX XXXX though Experian to follow up my investigation above account but XXXX XXXX they response was asking supporting documentations. ( XXXX XXXX and XXXX XXXX letter attached your reference ) They failed to response with 30 days time period. Consider all facts and please helped me out to re-investigation and delete late payment XXXX account number ending XXXX Thanks XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX {$940.00} XXXX XXXX  XXXX XXXX Balance Owed : {$5400.00}
Product: Money transfer, virtual currency, or money service

XX/XX/2021 was told by money gram that I was going get my refund of XXXX 10 business days it passed that reached out a few time said the same thing I'm tired I been checking my bank to see about a deposit nothing so I'm reaching out hoping you can help thank you
Product: Credit reporting or other personal consumer reports

Transunion was notified about reporting inaccurate information from XXXX XXXX XXXX. I've never opened a loan with this company in XXXX. This company has been illegally reporting information to the 3 credit bureaus in which is false. According to 15 USC 1681n I'm entitled to Statutory Damages each time they're illegally reporting. I'm willing to waive this if, and only the reporting discontinues and my points are replaced on my credit score, and late payments are removed.
Product: Payday loan, title loan, or personal loan

My complaint is that XXXX who is the originator of the account is fraudulently charging and reselling the account under XXXX XXXX and Duverra billing services ( XXXX ) for services not properly rendered. The conditions of the sale was that they maitenance my car and charge me overtime with XXXX XXXX option. The problems is XXXX never maitenanced the car, they actually damaged it and I could never drive it again. The car had to be emmidiately sold and I am still being charged, my credit is being damaged for fraudulent services of {$2300.00}. I want this account removed immediately.
Product: Bank account or service

As a small business checking account Regions Bank, every day we review our account and found that the day XXXX XXXX, 2016, a charge of {$72.00} per overdraft, which did not exist, as is showed on the attached statement, call customer service and very kindly responded that we had a hold amount, which had led the charge and as a courtesy, they returned $ XXXX, as recorded the day XXXX, 2016, discussed and the response was take or leave. This is an unfair practices. We claim an full refund of the {$72.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft so i thought until i tried time after time credit repair after credit repair dispute after dispute to remove items that are not mine and are reporting in correctly. I have attempted for now 2 years to get these items fixed however with no success. I have submitted disputes with XXXX, XXXX and experian. I have advised them that I have not had any inquiries in the past 8 years so for anything to show up on my credit is false. My last attempt was on XX/XX/2020 i in efforts to dispute the inaccuracies submitted another letter and have yet to hear back from experian and XXXX  however XXXX sent the 4th postcard saying that my documentation can not be used. how is this when its one of the acceptable items to verify my address which is my utility bill. PLEASE HELP
Product: Debt collection

I am and have been the victim of identity theft. Several companies including credit card companies that were listed under my name were notified by me as to the identity theft situation and after there investigation each wrote to me stating I was not responsible for any debt HOWEVER XXXX XXXX is still actively seeking payment from an account that is not mine. When I became aware of the debt I contacted the company and told them of the situation. Several months later I have been contacted by Midland Credit Management a collection company bearing their acct number of XXXX listing the balance of {$390.00}. I have contacted them within the 30 day period stating the identity theft situation. Please help me rectify this and have XXXX XXXX not hold me responsible for a debt I did not incur. Thank You.
Product: Mortgage

Caliber, my mortgage broker made a major error and misrepresented the GFE, by using the taxes from the previous year on an unimproved lot, as the taxes on my new construction home. 

After a year, my mortgage payment increased permanently by {$480.00} per month due to the tax error, and required a large catch up payment for my depleted escrow, which they allowed me to make over time.
Caliber, was unapologetic saying " this happens all the time with new construction '', indicating neglect of responsibility.
Product: Money transfer, virtual currency, or money service

I am a victim of Fraud as I was under a lot of pressure and coerced through very sophisticated methods specifically created by these criminals. I reiterate that there was no trading account and no trading actually took place. This was all a scam and the recipient simply pocketed the money
Product: Vehicle loan or lease

I did not receive the Retail Installment Sale Contract with my paperwork. The loan apr was based on the original price they tried to charge of over {$28000.00}. The loan apr was not adjusted to reflect the new amount of {$22000.00}. I dont have any paperwork from the dealer with banking information regarding the loan terms, payment amount and APR. There are other issues regarding removal of manuals from the vehicle, misrepresentation of obtaining a second key and misrepresentation of dealership warranty that have also been reported to the appropriate agencies.
Product: Checking or savings account

On XXXX XXXX I was at work and XXXX XXXX was taking out of account I called canceled card and disputed they denied my dispute I sent emails prove I was at work I work from XXXX XXXX to XXXX I never got respond back
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2006, we purchased a home and the took out a second mortgage which was eventually sold to Ditech. We had our payment set up on automatic debits and the company either sold the loan or sold their company. 

We never paid this loan late. We have tried to contact the company many times with no success. 

We are asking them to remove our late pays from all three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my Credit Report that were made by someone other than myself. I was a victim of identity theft and several attempts to apply for credit were made in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for weeks to get access to my online account to dispute information thats on there. When I call, the tell me I have to submit my request in writing? What? I have tried to reset my password and everything but I always redirects me to call customer care.
Product: Mortgage

Wells Fargo took money out of my escrow to pay my home insurance on XX/XX/year>. It is XX/XX/XXXX and the insurance company still has not received the payment. I risk losing my home insurance. Wells Fargo told me that they run their payments through a 3rd party service XXXX XXXX I think? ), and its probably the 3rd party not paying so not their problem. I am getting no help from Wells Fargo, I dont know who to call at at this 3rd party, or why I would have to, and XXXX XXXX XXXX is insisting that I pay them myself. In other words, double pay. I am not sure what to do from here.