23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX escrow funds remaining from a closed mortgage from a house sale they notified they sent and the check was not cashed and they issued a notification. The check and the notification in XXXX they sent to the old address. I notified them of my new address prior. I have reached out on numerous occasions to get the funds and all have failed. They continue to tell me that it will be reissued. I have not received the funds as of yet XX/XX/XXXX from a check that they state they issued and admit yet has not been cashed from XX/XX/XXXX. They do not deny they owe me the money, just have failed to provide with excuse after excuse for over XXXX months.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent out numerous of letters dating all the way back to XXXX of 2020 to all 3 credit bureaus.informing them that accounts on my credit report are inaccurate and don't belong to me they have responded by saying the accounts have been verified so then i ask for proof that the accounts belong to me and i get no response and accounts still remain on the reports.
Product: Credit card or prepaid card

I opened my account XXXX of XXXX. I have made all of my payments for this card. I did have 2 late payments, never a missed payment and I always paid the late fees. One of the late payments was when I was sick with XXXX and was unable to make a payment on time. I got a credit consolidation loan and was able to pay off the balance of this card in XX/XX/XXXX. I had only been able to make the minimum payments due to XXXX related financial struggles. I even made a second payment shortly after my lender sent in the payment for the majority of the balance but there was more interest that accrued that was not accounted for in the lender payment. I planned to use this " XXXX  Credit Card, '' as it is advertised, for several purchases I need to make in order to not pay interest and so I could have my pets medical needs taken care of and my XXXX yr old son could get new glasses and not have to wait until I can save the money needed to do so. Shortly after, less than 30 days, paying the remaining balance the card was canceled. I was notified of XXXX  my credit app that keeps me in the know about theses things. I called Care Credit ( Synchrony Bank owned ) and asked why and I was told that it was due to changes on my credit report since I opened the card. I don't see how a company can close an account based on your credit report changes and not based on your payment history and how you have handled the account. How can a company do this when it negativity effects my credit which it the very reason they canceled me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX & XXXX account XXXX XXXX, XXXX & XXXX account XXXX XXXX, XXXX XXXX account number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I definitely disagree with the account listed below which still appears on my my credit report, definitely after your investigation. The investigation could not have been properly done. I would like this account re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX # XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. I received a response from Experian stating that my dispute wasn't sent from me all my disputes come from me I do not need or use a credit repair company I have the right to have you re-investigate and correct the incorrect information being reported on my report according to the FCRA. This needs to take place immediately I'm tired of Agency stalling to correct!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Vehicle loan or lease

I purchased a vehicle from US Auto Sales that was financed through US Auto Finance Servicing in XX/XX/XXXX. The company closed the business leaving all customers including myself scrambling for answers about the statuses of our accounts. I put a down payment of XXXX on the vehicle and made the payments on the contract bi-weekly as promised. The original contract had my name mispelled and I advised them of this the day I signed it and they told me not to worry about it. In XXXX of XXXX I went to make a payment and US Auto Finance Servicing 's number was disconnected and calls were forwarded to a company called Westlake who advised they were just a debt collector and they were collecting payments on US Auto Finance 's behalf. I had not received anything in writing via mail or email so I thought this was some type of scam. Westlake informed me they did not have my correct email address because my name was mispelled and they didn't have my title, or any record of any payments made to US Auto Finance so they were attempting to collect the full amount of the car that was shown back in XX/XX/XXXX that I had already paid on. I have been threatened about my car being repossessed if I don't pay an incorrect amount for the vehicle. Both of these companies are fraudulent.
Product: Debt collection

I was looking at my credit notice I had a collection agency on my credit for a bill for auto insurance which they owe me a refund I told them I was switching to XXXX insurance and the lady I spoke to told me she was processing a refund for XXXX which to date I have never received she ask me to fax her the copy of declaration page which I did to no avail
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit cards not reported with an excellent payment history, credit cards paid off and aren't supposed to be reporting, credit relationships discharged against the creditor by the XXXX  XXXX  court that they are still reporting in errors. 

The detailed letter provided gives full names, account numbers, dates, and amounts to be corrected. 

The creditors are also reporting data in collections or in charge off status in a current month, despite Covid relief mandates, as though they weren't informed of the same. 

My credit score isn't correct on the three reports.
Product: Checking or savings account

I do not trust this bank anymore. On several occasions I have called and filed disputes for charges from the following : Scribd recurring charge of XXXX XXXX XXXX various recurring charges from XXXX to XXXX. 
XXXX various charges. 
Credit free score recurring charges various amounts and under different variations of the company name. 
Every time I call this bank I am told I will get provisional credits within 5 days while they investigate my disputes. While they used to investigate, over the last couple years they just immediately deny the disputes by the next day. 
I have been told that they would also block the charges going forward. They never keep their word. They lie to me every time. I call the managers and they promise theyll fix it and they lie too and nothing ever changes. 
I have contacted all these merchants and I cant get anywhere with them. They promise to call me back and I stead they keep trying to charge my account and Chime lets them try and if I have money in the bank, Chime lets them take it. I feel abused by this bank. I want all my disputes returned to my account. I cant trust this bank anymore In the past, Chime has reversed charges from these merchants and now they immediately deny my claims for the same accounts and they wont stop them from coming thru and taking my money
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it May concern : Serve this to claim a false report on my credit. I recently applied for a loan to a credit agency to acquire a property, to my surprise, the report shows some alleged miss payments. The agent who helps us with the application provided me with the report to be able to claim these allegations. These alleged non-payments are reported in XXXX which I do not recognize since I was making monthly payments. When the account is transferred to Banco Popular, continue with it making monthly payments until XX/XX/XXXX when it was closed. 

My acquisition of an account with Banco Popular of PR ( BPPR ) was through a change made by the banking institutions of Banco XXXX of XXXX XXXX and Banco Popular Puerto Rico. Once the institutions were joined, my XXXX bank credit account goes to the popular bank, for which BPPR assumes responsibility for it. 

The purpose of this claim is to remove these false allegations to my credit. I have tried to communicate in multiple ocations with agents of the Popular XXXX and they have not been able to help me with this diligence. I have contacted the different accrediting agencies ( XXXX XXXX ) which inform me that this request can only be made by the same bank that reported them, in this case BPPR.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and these fraudulent information reporting continue to damage my credit reputation and I am refiling this complaint to BARCLAYS BANK DELAWAREX. I am writing to appeal that you block the following false information from my credit report. 
The FTC report number related with this complaint is XXXX including the unauthorized inquiries. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Money transfer, virtual currency, or money service

I was scammed by someone posing as a XXXX XXXX fraud representative using the official XXXX XXXX phone number listed on their website ( XXXX XXXX ) The scammer convinced me there was fraudulent activity on my account and instructed me to transfer {$3500.00} through Cash App to secure my funds. 

Once I realized I had been scammed, I immediately contacted Cash App to dispute the transaction. However, their representative told me there was nothing they could do because I authorized the transfereven though I explained that I was deceived into believing I was speaking to an official XXXX XXXX representative.
Product: Credit reporting or other personal consumer reports

I am not able to access my experian annual report. When I try to access it I keep getting the following massage : " Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report '' Your latest 3-bureau credit report is available. 
Refresh now '' I have sent proof of identification with my legal name and address to Experian and it is on their files. This issue is preventing me from getting credit. 
I would like Experian to just report accurately my personal information as FRS demands.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had a credit builder account which is just a debit card with chime and I had transferred a total of {$8900.00} on to the card and like I said it's just a debit card really you can't spend money if there's no money on there but they took out a payment they subtracted all my transfers that came in afterwards and that was it was a total of {$7.00}, XXXX and instead of being added to it they subtracted it and every time I try to talk to him about it they talk to me like I'm XXXX or that I don't know what I'm talking about but if it's just a debit card you can not spend money without having money on there why would it ever be a negative money that's put on there why would it be negative that makes absolutely no sense and it wasn't negative on my checking statement and they keep saying it's not a payment you've already spent it then why would my money be deducted that I put on there I mean
Product: Credit card or prepaid card

Over one year ago I opened a SECURE credit card thru Citi for {$500.00} after being told that as long as I paid on time for 6 consecutive months then I would receive my {$500.00} deposit back and receive an unsecured card for the same amount and that they would be reporting to all 3 credit bureaus to ensure the building of my credit score. Well NONE OF THESE THINGS HAVE HAPPENED, THEY HAVE SOLD MY INFORMATION TO MISCALANEOUS COMPANIE ALLOWING RECURRING MONTGLY CHARGES DESPITE ME CANCELLING THE CARD AND REPORTING THIS FRAUD 4 SEPARATE OCCASIONS. I DEMANDED ON SAME 4 OCCASIONS THAT I BE RETURNED MY DEPOSIT IN FULL DIE TO ME HAVING PAID OFF THE CARD IN FULL AND THEY REFUSE TO RETURN DEPOSIT, THEY KEEP TAKING MONEY OUT OF MY CHECKING ACCOUNT DESPITE NOT HAVING AN ACTIVE CARD WOTH THEM AND REFUSE TO ANSWER MY QUEATIONS WHEN ATTEMPTING TO GET ANSWERS AS TO WHY THEY ARE COMMITINGBTHESE ACTS OF FRAUD AND THEFT AND ONLY THING THEY SAY IS WE ARE SO SORRY WE WILL REFUND THE MONIES AND IT NECER HAPPENS AND THEY TAKE MORE NEXT MONTH. THIS HAS TO END
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account Number-To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I dont recognize these accounts and inquiries except my recent vehicle purchase and XXXX XXXX.
Product: Credit card or prepaid card

Chase credit card services was claimed that I rented a car on XXXX XXXX 2021. It was not my charge. I was working from home in XXXX GA that day and have proof with a check stub attached. They have come down ro the conclusion twice that it is my charge because I have a history of renting from XXXX is why. It's not fair for me to have to pay for someone else 's charges because I have a history with XXXX. I rented from XXXX in XXXX on XX/XX/XXXX to the XXXX and showed that I paid with my credit union debit card. I refuse to pay for someone else 's charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. SOME USED MY INFORMATION TO COSIGN FOR A CAR LOAN.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureaus, have already removed these late payments from this account from their records due to an unidentified error. I am perplexed as to how you have verified this account while the other bureaus have updated it and the company also approved of updating the status of the account to closed never late after I talked to them on the phone. Therefore, I request that you correct this account from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I have sent numerous certified mail disputes as well as completed several strong factual disputes of errors reporting incorrectly on my credit report and requested deletion of these accounts due to these inaccuracies. Accounts remained on my credit file. I sent in 2 method of verification letters for an explanation on how these accounts were verified as accurate and whom they verified the information with. They had 15 days to respond with that information but due to the pandemic I allowed extra time. I recieved dispute results today with the same errors and FCRA violations being reported previously. Clearly there is no human investigation going on and that this process is automated. As a consumer, my credit file is supposed to be 100 % complete and accurate. I would like to demand that the following accounts being reported incorrectly be DELETED from my credit file IMMEDIATELY. 

1. Dept. Of Veteran Affairs ( 3 accounts ) because method of verification was never recieved, notice of dispute never entered for the account with a high balance of {$2700.00}. That same account is reporting as 120 days late which is inaccurate due to payment being made on XX/XX/2021. These accounts are not reporting the same date of last payment or account rating info across all 3 credit reporting agencies, and accounts show late payments reported when the accounts were a collection, there was no contract or agreement ever signed for these debt amounts. Request creditor provide the contract with the monthly terms and payment due dates to prove I was late. Please delete these accounts immediately from credit file due to these blatant inaccuracies.

3. Dept. Of Ed/XXXX ( 2 accounts ) because requested method of verification was never recieved, account is missing notice of dispute status, Both accounts are reporting 90 day late payments with no prior 30 or 60 day late payments immediately prior. This is a FCRA violation. Proof of missed payments never supplied by Equifax. Please delete all these inaccurate late payments immediately! Per FCRA E OSCAR verification is not sufficient.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, I have been a victim of identity theft. A XXXX  XXXX XXXX account was created using my information. I contacted XXXX and they resolved this issue. I was told my social security number was used to create the account, which forced me to do a deep dive into my credit report. I requested an investigation with the credit bureau because XXXX XXXX was reporting inconsistent balances I remember paying this credit card off. All three credit bureau 's are reporting inconsistent credit limits, balances, high credit, and dates of last payment. I believe the credit bureau failed to properly validate this debt. I mailed a letter to this XXXX XXXX, but I received no response. All three credit bureau 's are reporting different information. It is unfair that there are so many inconsistencies on my report. If this creditor is unable to provide the original documents of this debt along with validating I owe them this debt I would like it removed from credit report.