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

I saw some accounts while going through my credit file recently that should not be there. These accounts are fraudulent because they are not mine. I can not understand how this could even happen because I have not given anyone access to my credit. Please have an investigation done on this issue immediately and have these fraudulent accounts deleted from my credit file. I am unable to get any new credit right now because of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX advised them at the begin of XX/XX/ 2019 that they are reporting to all three Credit Bureaus the my account is currently in past due status which is incorrect. They stated that on the XXXX of each month the bureaus are updated. As of XX/XX/ 2019 my account because current. As of today XXXX-XXXX-2019 XXXX has only updated XXXX that my account is not past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint on behalf of XXXX XXXX XXXX of Colorado. ( Third party CRA ) We are getting a lot of complaints from our clients regarding their clients being put on trigger lists after they pull credit. So this complaint is against Equifax, XXXX XXXX and XXXX. A lot of these clients have had their borrowers opt out and put their number on the Do Not Call Registry. We understand that it is the credit bureaus selling their information and we believe this to be an unfair practice. Our clients borrowers are getting bombarded with phone calls and emails once their credit is pulled. These borrowers complain to their loan officers who in turn complain to us. It seems to have gotten a lot worse over the last few months. We have guided them in every way possible to help their borrowers avert this from happening but it is ongoing and extremely frustrating for their clients and for our clients. We do not condone this practice or understand how it is legal to sell a borrowers information without their specific permission. We are hoping an investigation can be done regarding this practice and steps be put in place to hopefully end it or at least have a fool proof way of guaranteeing a borrower they will not be placed on these lists. I am available for any discussion on this matter.
Product: Checking or savings account

On XX/XX/2020, I contacted XXXX : by Goldman Sachs that there were unauthorized transfers being made from my savings account. While I was on the phone with them these transfers were taking place. They stopped one transfer and recommending closing the account. They transferred what was left in the account to my local bank. They transferred me to the fraud department who would begin an investigation into the transfers. They asked me if any of the transfers were made by me and I reiterated that I had made no transfers since opening the account. 

They assigned claim number XXXX to the investigation. There had been almost 40 trial deposits and transfers of less than {$1.00} made by the people testing the account from XX/XX/XXXX through XX/XX/2020. 

I would like to know the results of claim XXXX and what was done in reaction to the over {$23000.00} in illegal transfers from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I went online to order my free annual credit reports from all 3 reporting agencies, Equifax, XXXX  and XXXX XXXX at XXXX. I was able to print out the reports from all 3 agencies. However, on XX/XX/XXXX, I went online again, as I have done every year, to XXXX to get my reports. I was successful with getting my reports only from XXXX  and XXXX. When I put in all my personal information to see my Equifax report, the response I received was " BASED ON THE INFORMATION PROVIDED, WE ARE UNABLE TO VERIFY YOUR IDENTITY. '' This is the first time I ever had a problem with ANY credit reporting agency, including Equifax. My personal information has been the same for many years, and I can see no logical reason for Equifax 's response. I called Equifax at XXXX but was never able to reach a LIVE person, only their automated service. I would be interested if others are having this same issue with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has been calling me since XX/XX/XXXX demanding I pay for a loan check that was cashed in XX/XX/XXXX. I have not lived at the address the check was mailed for over 2 years. I asked for a copy of the check and the signature and other information on the back of the check does not match mine at all. They loan office location agrees with me, but swears there is nothing they can do about it and the loan must be paid.
Product: Bank account or service

To Whom it may Concern ; My name is XXXX and my husbands name is XXXX. We have been banking with USAA for about 10 years with no issues but currently we are experiencing a problem with Fraud and USAA emptying out all of our accounts to cover the offset the amount of the fraudulent activity that has taken place out of the State of XXXX. 
We notice our situation on the XX/XX/2017 when we discovered through our online banking account multiple electronic deposits happened on XX/XX/XXXX and XX/XX/XXXX totaling up to around {$20000.00} were made then multiple ATM cash withdrawn totaling up to {$20000.00} within the matter of hours from one of our checking accounts. Since my husband and I are the primary account holder they have taken all our money in all of our accounts to pay for the fraudulent activity not committed by any of us. I tried going onto my account to print out those transition in order to file a police report but my online account access was locked and was told I can not have access till an investigation is completed by their fraud department. A USAA representative stated these transactions are made from our sons account which is a Sub-account under our primary account, we are held responsible for any transactions even if a fraud claim has been made. USAA made it clear to my husband and I that we have to cover USAA 's lost. 
After much research very similar situations have occurred with other USAA members having their accounts wiped out by USAA to cover for fraudulent activity out of the State of XXXX. The exact same situation, same account fraud type, and same response from USAA. I do n't understand how is it that if USAA have a cash withdraw limit of {$600.00} per day but allow multiple {$1500.00} withdraw in a matter of hours. This wiped out my son 's paycheck. My husband and I are XXXX and my son is XXXX in the state of XXXX. And now they are holding our funds as well. USAA was are primary and only bank. I have nothing and is using credit cards to manage till my husband and I get paid again. Till this is settled, we had to open up a new bank account to ensure our future income/ funds are not depleted. 
Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 
Please find below the specific details of the incorrect or outdated information : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Mortgage

We applied for the refinance XX/XX/XXXX, I have given {$500.00} for the loan to be reimbursed at closing. We are approved for the loan contingent upon appraisal. I have had 3 appraisal companies contact me to set up a time, no one has shown up. I have contacted Quicken Mortgage at each appointment to let them know the appraiser never showed up. Quicken continues to ask for the same documents and continue to provide. We are at the end of our 2nd rate lock, no one has done anything except ask for more verification of income. They have done nothing but waste my time and potentially prevented me from receiving my refinance at the locked rate of 2.99 % I have asked multiple times for updates. XXXX I have asked for either an appraisal or a refund. I need to apply with another company that may be able to get this done before 90 days if they can't send an appraiser out to finish my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX 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 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit card or prepaid card

In XX/XX/2017 I was no longer able to access my Chase credit card online. I reported the problem to Chase and Chase sent me a letter stating that my account could not have online access. However my billing was paperless and I had no way of knowing what was still due on the account. Having no way of knowing was was due or still owed on the account I have been going into a Chase branch and paying {$100.00} or {$150.00} per each month. At this point I might be paying this the rest of my life. I have no paper statement coming to me and no access to online. I have tried to create online access on the Internet again and again but I can not.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I 've been receiving notification of my credit report about inquiries. I did not apply for these accounts or business, I 've contacted both parties and they do n't help. I 'm trying to fix my credit and with this isssue it will be a disaster if this keeps going on. I only have one credit card and no loans or anything else. I have a XXXX XXXX XXXX XXXX Credit Card and nothing else. No need more.. Please help me. I do n't need no more credit. I think I 'm an Suspect Victim of Identity Theft. 

I would like my persoanl information updated as well, because my mother has the same name and I believe her information has been mixed up with my information. 

My personal information shoule be as listed below : Name : XXXX XXXX XXXX AddressXXXX XXXX XXXX XXXX XXXX NC XXXX Phone : ( XXXX ) XXXX Employer : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am attempting to correct my credit report with Equifax, XXXX, and XXXX. On my Equifax credit report states it states that I have an account with XXXX. I contacted Equifax to let them know that I do not have an account with Equifax because the account was transferred to XXXX. I disputed this claim and the during Equifax 's " investigation '', XXXX claimed that I do have an account with the company. In addition, it updated the account to say that I am past due. I am not past due on my student loans ; however, my payments are made to XXXX, not XXXX. I am attempting to buy a house and I can not have any past due student loans comments on my credit report. Furthermore, I am making my student loan payments so the information is incorrect. I called XXXX to get my account information and the representative again confirmed that my account was transferred to XXXX. Nevertheless, XXXX continues to report that I have an account with it and that payment is past due. This is negatively impacting my ability to qualify for a home. I provided Equifax with copies of the letter from XXXX and proof of payment, yet the company refuses to remove the information from my credit report. I also contacted XXXX to request the complete loan history from initial disbursement and transfers. I have not received this information. This information is critical to me correctly calculating my student loan payments. I personally believe the calculations are incorrect, yet I can not receive the documents from the initial XXXX  XXXX disbursement. I want the full loan history including the transfer information between lenders. 

I filed a report with CFPB informing it of XXXX 's actions. XXXX acknowledged that my loan was transferred with CFPB, but refuses to acknowledge this same information with the credit reporting agencies. In addition, when I reported this error XXXX lied and stated that the negative statement was added before the loan was transferred. This is a lie. The negative credit remark was added on my account in late XX/XX/XXXX after the account was closed. As I previously stated, I timely made my XXXX bills. When my account was transferred, I begin making payments to XXXX. I want my credit report corrected.
Product: Checking or savings account

Chase allowed two fraudulent withdrawals from my checking account. According to the Police Detective in XXXX, AZ that spoke with one of two XXXX Reservation Casinos the following occurred. A male created fake checks using his name with my account number and routing number. He was able to cash two checks in the amount of {$1000.00} and {$4000.00} and establish a line of credit at the XXXX XXXX XXXX   XXXX in AZ using my checking account info for {$30000.00}. I am the only authorized person on my account, am not male, and was not at the casino. The casino has the name of the male individual who presented the checks. 

Chase refuses to open a dispute for the {$4000.00} transaction and has only sent the documents to a local bank for me to sign to dispute the {$1000.00} transaction. Chase claims the identity theft and fraudulent withdrawals are beyond their 60 day limit of liability. 

Chase never notified me or contacted me about the checks nor the line of credit established for {$30000.00} at the Casino. 

I have written 4 checks on this account the entire year. I have never been to these casinos and was not in the state when they occurred. The withdrawals are completely outside of any banking activity I have ever conducted. 

I am unable to pay my mortgage in XX/XX/XXXX due on the XX/XX/XXXX because of the illegal withdrawal of funds. I also pay my credit card, also with Chase from this account and can not pay the amount in full as well. I never carry a balance on my card and thus will incur a finance charge. My mortgage company has no provisions for missing a payment of deferring a payment.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please see attached documents, I am not quite aware regarding the account
Product: Credit card or prepaid card

I had a few returned payments from auto-pay due to the payment not being taken out within three business days. I contacted XXXX XXXX to reinstate the account after making a hefty payment of {$200.00} ( out of {$300.00} ). They declined. I now have a closed account on my credit history and would like this removed.
Product: Debt collection

Jefferson Capital has removed and inserted the same collection debt from a previous credit card multiple times. This is causing my credit score to drop each time. I never received any kind of suculenta stating this was being added to my credit report each time. I never received a validation of debt letter nor was given any information about settling this debt. This is the 3rd time they removed the collection and re-inserted it. Causing a lot of damage to my score. Ive tried to contact them numerous times and only get an automated system there is no one to complain to. They are inserting and reaging this account. They give me nothing in writing ever. This is affecting my credit, job and family. I have my credit check yearly at my job and Im trying to get my finances in order to sell and buy a new home for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed account with XXXX that is reporting to the credit bureaus as 6 accounts with late payments for the months of XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. My latest communication with XXXX was on XX/XX/XXXX, I spoke with XXXX and she verified that I only have one account with them and could not see why it was reporting 6 accounts. The account number is XXXX. The account was paid and closed on XX/XX/XXXX in the amount {$32000.00}. I have disputed the duplicate accounts with all 3 credit bureau and they have come back with accounts are correct. I have also previously spoken to a representive with XXXX regarding this. The accounts have the same account umber, same late payments, and same close date. Also the accounts are showing 90 days late on XX/XX/XXXX with no late payments prior to that date. How can an account report current in XXXX and 90 days late in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota financial fraudulently reported me to a credit agency and withheld critical information in their original response to my complaint they provided to you. The recording of my calls to Toyota Financial will support my version and the fact that their response to you intentionally withheld pertinent facts to their fraudulent reporting.

The final payment for my lease with Toyota Financial was due in XXXX of XXXX. As we were planning on buying out our lease, we did make the payment until we could confirm the total buyout amount. 

On XX/XX/XXXX I contacted Toyota Financial requesting the buyout amount. During that call, the representative informed me that I had an outstanding payment and asked if we hadnt paid due to our plan to buyout the lease. When I confirmed that plan, he waived our late fee and rolled the final payment into the total buyout amount. There was no mention of me needing to make that payment outside of the buyout in order to avoid being reported to the credit agencies. I was told Toyota needed to receive the buyout by XX/XX/XXXX. Please ask to hear the recording which will support my description of the call. 

Once I received the buyout package, I obtained financing and sent the check and documents to Toyota. This package was tracked and received by Toyota Financial prior to XX/XX/XXXX. 

I called Toyota Financial back 10 days after my initial call which was also after they received the package with my check. I asked if there was anything additional that I needed to do. I was told that I would hear from Toyota if there was anything needed. I was not asked to make any additional payments or warned about being reported. Please ask to hear the calls recording to support my version above.

Questions for Toyota Financial to answer. If they cant, then their actions demonstrate fraudulent reporting I am accusing them of. Why would they include the final payment in my payoff amount if they expected me to pay outside of the payoff? Were they expecting me to knowingly request an incorrect financing amount from my FI? If they reviewed my call notes and listened to the recordings, why did they withhold the points I raised in their response to my complaint?
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of certain accounts and inquiries on my credit report, as I have been a victim of a data breach. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I request that the following accounts and inquiries be removed from my credit report : Unauthorized Accounts : XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} XXXX. XXXX XXXX XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$260.00}
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a recent data breach, and as a result, unauthorized accounts and inquiries have appeared on my credit report. I am requesting the immediate blocking and deletion of the following accounts and inquiries, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened fraudulently without my consent or authorization. 
Accounts to be blocked and deleted : XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. Capital XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$840.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX. TD/Target Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00}
Product: Credit card

I am a short-term XXXX during XX/XX/2012, I have been in the store of Banana Republic at XXXX to buy goods in the second half of XX/XX/2012, I was paid the bills by XXXX XXXX XXXX credit card, The clerk advised to apply for a discount card, This will be more cheaper, But I do n't know this is a credit card, but also use this card to pay the part of the clothes of the bill. I have come back to XXXX for nearly three years. I rented a house in XXXX, followed by a XXXX rental. Unexpected, We met at an XXXX in XXXX, He told me, A letter of credit card payment was often sent to this address. I do n't know how to solve this matter now. 
I would like to declare the following : ( 1 ) I do n't have subjective intent owe the bank money, ( 2 ) I love America, I had the best time of my life in America, ( 3 ) I did n't know it was a credit card, I thought it was a discount card ( 4 ) I 've never used this card except to pay for the clothes in the store ( Because I paied with XXXX XXXX XXXX credit Card, I did not know that I might use Banana Republic credit card pay the part of the bills ), ( 5 ) I want to repay the balance of the clothes shop, But I ca n't afford an expensive default. 
( 6 ) I do n't have this credit card, and I do n't know the number of the card ( 7 ) After know this matter, I contacted with Banana Republic, they tell me to connect with the bank, but i do not know XXXX, and i do not know the card number. 
( 8 ) please help me, I do n't want to be a debtor. 
please Contact with me Email : XXXXXXXXXXXX and my passport number XXXX and SSN : XXXX