23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud with 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX with a balance of {$190.00}, XXXX with a balance of {$15000.00}, XXXX XXXX  with a balance of {$5700.00}, XXXX with a balance of {$6100.00}, XXXX  XXXX with a balance of {$340.00}, XXXX XXXX with a balance of {$920.00}, XXXX XXXX with a balance of {$1500.00}, XXXX XXXX with a balance of {$1100.00}, XXXX XXXX XXXX balance of {$1300.00}, XXXX  XXXX with a balance of {$510.00}, XXXX XXXXXXXX XXXX XXXX XXXX with a balance of {$1000.00}, and XXXX XXXX XXXX with a balance of {$1000.00}. In addition to inquiries from XXXX XXXX  with an inquiry date of XX/XX/XXXX, XXXX with an inquiry date of XX/XX/XXXX, XXXX  with an inquiry date of XX/XX/XXXXXXXX XXXX with an inquiry date of XX/XX/XXXXXXXX XXXX XXXX with an inquiry date of XX/XX/XXXXXXXX XXXX  with an inquiry date of XX/XX/XXXX, and XXXX XXXX  with an inquiry date of XX/XX/XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted XXXX XXXX XXXX XXXX to report that my apartment had been robbed in XXXX XXXX XXXXnd Id filed a police report. I also explained that I had additional hardships due to the COVID pandemic and a recent car accident, and that prior to the robbery which occurred in XXXX XXXX, I had made timely payments and my account had been in good standing for over 2 years. I was told by a XXXX XXXX customer service representative that I qualified for emergency assistance and interest accrual could be paused/ no payments would be due for 6 months. Assuming theyd keep their word, I used the money I was planning on using to pay off my XXXX XXXX  to pay off all my other debts and relace my cell phone/ laptop which had been stolen during the robbery. My decision to use my savings to pay off debts and replace my stolen belongings was 100 % a result of my assumption that XXXX would honor their promise and that I had 6 months to save up more and pay off my XXXX XXXX card. However, a few months later when I went to check my account, I noticed that XXXX XXXX had closed my card due to non-payment. After calling XXXX XXXX, I was informed by customer service staff that there was no record of my call on XXXX there was not thing they could do to reverse my late fees and delinquent report on the account even though I had made previous arrangements with their customer service staff. I requested to speak with a XXXX and who told me theyd be able to assist, and after 2+ hours on hold, they hung up on me and never called me back! After that, I was no longer able to access my XXXX account online to make online payments, and calling to make payments sometimes took HOURS. As a result, I got even further behind and my interest kept accruing and now, XXXX years later I owe more than I did back in XXXX. Prior to XX/XX/XXXX, I had an impeccable credit history and record of timely payments, but after XXXX closed my card, my credit score dropped significantly and I havent been able to get out of hole they put me in.
Product: Credit card

On or about XX/XX/year>, my wife and I noticed several charges we did not immediately recognize on my American Express Green and Gold cards, which coincided with the timeframe of me losing my wallet. We were very concerned, and proceed to contact Amex support by phone, who advised cancelling the cards and that we would be able to reinstate shortly after. However, upon trying to reinstate, I am now being told that there is no option to reinstate whatsoever. I have achieved XXXX reward points on one card, and was on track to receive XXXX reward points on the other, that I am now being told are permanently lost and there is no recourse available to me.
Product: Checking or savings account

On XX/XX/2022 I deposited an escrow check in my aunts name signed over to me in the sum of XXXX. I deposited check at ATM and received a receipt stating availability of {$5500.00} on XX/XX/2022 and the remainder of {$4400.00} on XXXX the next day I checked my account and I had an XXXX Adjustment of {$10000.00}. Wells Fargo XXXX adjustment definition is access to full amount of funds available for withdrawal. This was not the case I was not able to withdraw funds.. I contacted Wells Fargo and they explained I needed to provide a durable power of attorney documents to receive funds. I faxed to fraud department immediately and on Monday provided the bank with copies. Wells Fargo explained that they were sending the check back for me to deposit again and I would be able to access funds. This never happened.. I contacted wells again and they told me to keep waiting it has been over a month and they will not respond.. the hurricane that came threw my town damaged the branch I normally go to so I was not able to speak with my banker. I sent him and the bank manager emails but got no reply.. On XX/XX/2022 I ordered a new ATM card and have not received it the account deposit balance is to renew to XXXX every month that has not happened also showing in my account and attached accounts the funds were there but not available.. I have not received a written notice with the explanation of non payment, reversal, or item not paid with the check and error codes and check sequence numbers the banks are required to do for the XXXX check. I filed a dispute for the XXXX and received a written notice XX/XX/2022 from Wells Fargo stating that they are sending the check back saying they can not accept it for deposit. Hoping to get this resolved ASAP. Thank you
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf. After reviewing my credit record, I discovered the presence of late payments. Despite sending letters over XXXX days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter. 

I politely ask that you fulfill my previous request. Please promptly update these transactions to reflect the correct reporting status on my consumer report. Your immediate attention to this issue is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Going over my student loan and online I am missing statements from XXXX XXXX and there are missing statements as well from XX/XX/17 to XX/XX/17. 

On all of my billing statements they show some fees but none of the fees make sense. I have spoken online a few times about the situation and they seem very helpful and want to help but still nothing gets accomplished. 

I have filed a dispute on credit report but now I cant even find the account on any of my credit reports. 

I was late on making payments but having the conversation online with a chat representative because that's the only way to actually get a hold of someone. and They said my late payments should be removed and they weren't and now the account is just gone. But they have me okay for some months during my rehabilitation process and then out of no where I'm late and my payment is late again when it is set up on automatic repayment plan. Now every time I go to check my bill it says that there is a 0 balance due. I reported this last month and then this month it happened again. I'm just confused and it is just unprofessional. I do not trust them with my student loans and want to know where my money is going and to what and why things are just appearing and disappearing.
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. 
In cases where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable time-frame. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments. 

I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness. 
Specifically, regarding the accounts below : XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I reached out to the company regarding the account and options to cancel a coerced timeshare. They sent back this letter to my lawyer with the CORRECT BALANCE of how much I have left on this loan. The loan balance on this letter from the company is NOT the same amount being reported on my credit report which makes this false and inaccurate information which negatively affects my credit score. I have asked the credit bureaus to do their due diligence with investigating this inaccurate information and they keep telling me it " meets requirements of the Fair Credit Reporting Act '' when I clearly have a legitimate letter stating the correct balance for this account. The credit reporting agencies are responsible for verifying the accuracy of disputed accounts and they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I checked my experian credit report online because i got a alert saying my credit score increased to XXXX.On XX/XX/2021, I got a alert saying my credit score decreased to XXXX with a 7 point decrease.From what i understand, credit scores are done on a monthly basis and for a score to decrease in 3 days of a increase doesnt seem correct.This didnt happen on my other credit reports
Product: Checking or savings account

On XX/XX/XXXX a charge appeared on my bank statement for XXXX XXXX XXXX in XXXX XXXX. My bank PNC, verified that it was a card swipe with PIN usage. I never use my PIN. I was not in XXXX that day, or ever. I looked up the merchant and it appears, from a XXXX search, to be a retirement village in Indiana. I have never had contact with this company. Furthermore, my card was used XXXX minutes prior at a grocery store near my home. 

I disputed the charge and it was denied. I contacted PNC on XX/XX/XXXX upon receiving the denial and asked for the proof of the transaction being valid. They would not allow me to speak to someone in the Dispute Department, but said it was valid because the card was swiped and the PIN was used. I reviewed the timeline and the associate re-filed the dispute with the notes showing the card usage XXXX other times that day in PA. He also escalated it to their Customer Support Team. I was told I would get a phone call within XXXX hours. That did not occur. I called several times over the next few days trying to reach XXXX who was assigned to my case. Finally after XXXX days I received a call back from XXXX and we reviewed the activity again. She confirmed the timeline and that usage was impossible based on the geography of the purchase that day with the same card. She added additional notes to the new dispute. on XX/XX/XXXX I received another denial and still not proof of the charge being valid. This charge is only {$30.00}, but I clearly did not make it and would like some resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to both XXXX, XXXX XXXX, and Equifax multiple times in regards to wrong information being reported by this company to all three bureaus. After requesting multiple investigations, I am still being ignored and this is delaying my process in purchasing a home due to their negligence. As you can see, if the credit bureaus have been investigating this since my first letter on XX/XX/2021 then why is there still errors on open dates, account status, date of open accounts, last payment dates and more. Per my rights, I have the right to have everything accurate on my report and this is not it. I have kept record of dates mailed to bureaus to correct and yet it is not. 

Dates Letters mailed : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is listed on my credit report for {$230000.00} Highest balance {$150000.00} but as per attached and other court filed documents XXXX XXXX XXXX owns this debt and is 1st lien NOT XXXX XXXX XXXX. Equifax keeps saying that XXXX XXXX XXXX has verified that the debt belongs to me but attached court document shows that the debt belongs to XXXX XXXX XXXX NOT XXXX XXXX XXXX. 

I need Equifax to DELETE/REMOVE XXXX XXXX XXXX from my credit report. 

Equifax must provide me with ALL verification information that it receives from XXXX XXXX XXXX because this information from Equifax will be presented in court.
Product: Mortgage

Freedom Mortgage XXXX. XXXX XXXX XXXX, TX XXXX On XXXX/XXXX/XXXX Freedom Mortgage automatically deducted an additional {$870.00} from my checking account BUT the additional withdraw was not applied to my account. They are unaware of any deduction, where it went to, or how to reverse the withdraw.
Product: Debt collection

LEXIS NEXIS SUPPLIED FRAUDULENT INFORMATION TO THE CFPB regarding complaint # XXXX. Lexis Nexis stated the information was removed per the letter to the CFPB, my insurance rates yet increased again to {$430.00} dollars a month starting in XXXX. I was notified via another Insurance Company as their rates were vastly different with a rate of $ XXXXa month. 

LexisNexis has violated the following : 1. 15 USC 1681 ( a ) ( 4 ) " Infringed Upon a Consumer 's right to privacy '' and 2. 15 USC 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction I had recently received notification from a customer service representative from XXXX as my insurance rate has increased ; when I inquired about the increase in my insurance premiums, the rep advised that it was due to a report obtained from Lexis Nexis and a ticket that I was reported in XX/XX/2021 I am still waiting for the case to reset regarding the alleged ticket issued due to the request for reasonable accommodations based on my XXXX. ( See attachments from the courts ). Therefore, the Information obtained is inaccurate and fraudulent at BEST. 

Accordingly, I REQUEST THE FRAUDULENT INFORMATION THAT IS BEING REPORTED TO BE REMOVED EFFECTIVE IMMEDIATELY BEFORE A LAWSUIT IS ENSUED AGAINST LexisNexis/XXXX 

Based on my XXXX and the discriminatory terms provided I will also contact the U.S. Department of Justice civil rights against LexisNexis. I am REQUESTING USAA DELETE THE INFORMATION FROM LEXISNEXIS due to their violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., as amended. 

A complaint with the FTC and CFPB along with Securities and Exchange Commission ( SEC ), Commodities and Future Trade Commission ( CFTC ) and the IRS will be filed to include the Department of Justice for FINANCIAL CRIMES AND INSURANCE FRAUD. I am utterly disgusted of the fraudulent, deceptive business trade acts of the insurance companies and banks and LEXISNEXIS for provided the deceptive information to a federal agency to avoid penalties. However, they continue to has no regard for stealing from consumers by any means NECESSARY.
Product: Checking or savings account

From XXXX to XXXX I been having account issue overdraft issues people hacking my account for large amount of money
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 USC1681 Account name 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 15 U.S.C 1681Section 602 A states I have the right to privacy 15 U.S.C1681 Section 604 Section 2 it also states a consumer a reporting agency can not furnish an account without my written instructions 15 U.S.C1681 c ( a ) ( 5 ) 5 section states : no consumer reporting agency may make any consumer report containg any of the following items of information any other adverse item of information, other than the records of conviction of crimes with antedates the report by more than 7 years. 

15 U.S.C 1681s- ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has responsible cuss that all information is accurate.
Product: Checking or savings account

Ive had capital one account for ten years. They most recently had data breach in XXXX On or about XX/XX/XXXX I disputed and unauthorize charge in the amount of XXXX and was told my account would be close and charge was validated without any evidence after my money was taken from me
Product: Debt collection

I checked my credit report and this Citicards loan is on it, which I have no knowledge of.
Product: Payday loan, title loan, personal loan, or advance loan

The terms were confusing when I initially applied for the loan and I completely misread the interest rate and absolutely would never taken the loan if I understood correctly. I have paid back the amount of the loan plus more. I need the interest to stop. I can not afford to keep paying.
Product: Debt collection

XXXX XXXX Midland Credit Management has not provided validation information under 12 CFR 1006-34 ( b ) ( 5 ), but yet they placed a collection in my consumer report. 
I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) collection agency is violating my consumer right by using false misleading, misrepresentation and deceptive means. 
This Collection agency has no authority to furnish any account to any consumer reporting agencies without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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

XXXX XXXX XXXX # XXXX is reporting a balance and a late on an account that I paid off over a year ago. This account has already been paid and should not have a balance nor should it have a recent late. It is only reporting to TransUnion as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX defrauded me the case. was filed in the United States District Court XXXX District of XXXX  XXXX v. XXXX XXXX & Co.Case number XXXX XXXX. They reported damaging credit from XXXX XXXX on customers like me. They charged me fraudulent settlement fees refused to apply payments when I did not pay settlement and reported late payments and still were until recently. They have not owned my loan since XX/XX/XXXX.I want them removed from my credit report they have harmed me enough. They refused to Allow me to modify my mortgage.when they sold.me to XXXX XXXX XXXX. XXXX XXXX  agreed to let me modify my loan and XXXX XXXX forced my mortgage to foreclosure I had to file for bankruptcy because they would not let me modify
Product: Credit reporting or other personal consumer reports

The information on my credit report is inaccurate. I've provided my documents for you to update it. If there's any freeze please make sure to remove it as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to JPMCB AUTO XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or JPMCB AUTOs customer service representative.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccurate : 1. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX 3.. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect XXXXXXXX XXXX XXXX XXXX VA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXXXXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX. The inquiry was not authorized XXXX Date of inquiry XX/XX/2023 XXXX. The inquiry was not authorized Date of inquiry XX/XX/2023 XXXX. Identity Theft XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX. Identity Theft XXXX XXXX Account Number : XXXX XXXX. 
XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit 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 XXXX XXXX XXXX XXXX XXXX