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

I legally changed my name from XXXX XXXX to XXXX XXXX and i am unable to update this information with XXXX and experian both accounts have locked me out or given me error messages when attempting to login to my account. I can only access XXXX XXXX but i am unable to update anything as the XXXX  site says to go to the XXXX  site. i am literally just trying to update my name and login to my accounts. I have all the proper documentation and court orders for my updated name and information. I need to know where to send it. XXXX had me file a dispute form and upload the documents but i am unable to do that for the other 2 companies. But i also have not been able to file any disputes with the other 2 companies as my accounts always give error messages. It honestly seems intentional like a way to prevent people from filing disputes. its making my life really difficul because of this error that is showing up with my name change in the SSA and Federal tax systems. Please let me know how to move forward. thank you.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove these items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1500.00} 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: Checking or savings account

On XX/XX/2023, I received an email solicitation from Fulton Bank to open a simply Checking account and spend {$300.00} across 15 transactions within 60 days to obtain a {$200.00} bonus. I complied with the terms by XX/XX/XXXX and began calling the bank and sending secure messages asking about the whereabouts of my bonus. The bank continues to give me the run around and refuses to provide answers to my questions. I have sent 4 secure messages and called the bank at least 8 times to inquire.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts are being reported on my credit report and I would like them removed I have disputed these accounts previously they are against the consumer laws reporting inaccurate information to my credit report The Fair Credit Reporting Act ( FCRA ) protects consumers from fraudulent accounts on their credit reports. 

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: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> Agent called me to say if they did not get the payment they were going to take my car. 

I have made payment and offered to make a larger payment of XXXX which they declined until I made the smaller payment and added the none of it would go to the balance. 

I have made XXXX full payments online and they said the system did not count the other payment sorry we cant fix it The company is One Main Financial
Product: Checking or savings account

Wells Fargo allowed someone to garnish my account without any notice to me and froze it. They took all of my money i.had in my checking account. It was around {$1600.00} and would not pay me back for that or any fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/202XXXX XXXX XXXX XXXX agreed to manually delete tradeline reporting from credit Reporting agencies Transunion and XXXX. On XXXX XXXX I checked to see if it has been deleted and it still shows on my report which is hindering me for applying for a vehicle.
Product: Vehicle loan or lease

I have contacted Global Lending Services ( GLS ) in regard to the reporting status of furnishing to late payments. This a direct violation 15 USC 1666B correction of billing error ( i ) make appropriate corrections in the account of the obligator, including the crediting of any finance charges amounts erroneously billed, and transmit to the obligator a notification of such corrections and the creditor 's explanation of any change in the amount indicated by the obligator under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligor 's indebtness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX EMPLOYER : XXXX XXXX  Date Updated : XX/XX/2022 XXXX  XXXX XXXX XXXX Inquiries XXXXXXXX Date of XXXX XXXX Date of inquiry XX/XX/2022
Product: Credit reporting or other personal consumer reports

PLEASE REMOVED AND BLOCKED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.
Product: Debt collection

I have small business and I was have XXXX Insurance XXXX and XXXX Insurance send my company to collector for {$610.00} only for change the company they do n't happy we us went I tell I do n't going continue with your service and after that they send me the bill for {$610.00} And I do not owe they anything. collector company XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXXClaim No XXXX
Product: Debt collection

I have 2 issues with this debt. 1. i wasnt notified of this bill. Im not sure what address that they sent this letter to if it was sent out since i am at a new location for a while.

2. I have a fraud alert and Identity theft history on my credit report and I do not recognize this debt.
Product: Debt collection

XXXX Service continues to call trying to collect a debt " allegedly '' owed by someone I do not know. I have repeatedly told the collection company I do not know the person they are looking for for and to remove my phone number from their list. As of today I received another call. BTW ( I have had this phone number for over 19 years ) and I am on the do not call list
Product: Mortgage

Did XXXX bank take credit for paying off a {$35000.00} merchants bank loan and a {$7700.00} university bank loan? XXXX which ultimately became XXXX bankThese notes would have been under XXXX.
Product: Credit card

I sent a letter via US mail on or about XX/XX/ to the following mailing address : Card Services XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction withXXXX XXXX XXXXXXXX made XXXX XX/XX/2022 in the amount of {$630.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Product: Mortgage

We have been trying to get our loan modified since the beginning of XXXX. We have had to send in multiple applications because Citibank closed our original one before it was completed. On XXXX XXXX, 2017 we were told our application was under review. They have since been requesting information we have already provided them. They have not returned emails or been available for scheduled phone appointments. I finally talked to a supervisor today who was incredibly unhelpful and would not advise me on what they needed as far as a profit and loss statement on letter head. She said I would need to talk to an accountant. I told her we would be filing a complaint and she stated it would n't matter and they would tell us we need to provide more information. We are feeling very much at a loss on how to move forward.
Product: Student loan

I was told by the Federal Student Help, that they would help me to consolidate my student loan at a low monthly fee for a period of 10 years. I had to pay them a fee of {$750.00} only to find out that they sent all my personal information to another company. When I ask this other company how they got my information, I was told either I contacted them or other agency sent them the information. The company that 's now handle my student loan informed me that I did not need to pay anyone for this service it is free to all.
Product: Debt collection

XXXX, XXXX, XXXX contacted my place of employment on XXXX, they then called my cell phone, there were no calls to me prior to that date. When I spoke to representative, I advised him to not contact me at work nor to call my cell phone. The individual proceeded to threaten with garnishing my wages, etc. was extremely aggressive and rude to both myself and my co-worker. When I spoke with his XXXX, he was also advised on XX/XX/2017 not to contact my place of employment or my cell phone, they were provided with an email address to utilize as a point of contact. However, they 've failed to do so and called today at approximately XXXX. Seeing that both calls were recorded, and they were advised pair the Fair Debt Collections act that when asked to cease communication via telephone, they are to comply..of which they are not ...
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

In XX/XX/XXXX I entered into a conventional 30 year mortgage with Quicken loans. This loan was subsequently repackaged and sold. The loan was underwritten WITHOUT an escrow account as property tax payments directly to the county. When reviewing my credit reports for the month of XXXX it came to my attention that the loan was incorrectly being reported as being 30 days past due in the amount of approximately {$1300.00} and resulted in a SIGNIFICANT decline in my credit score of nearly XXXX points from approximately XXXX to approximately XXXX. I have made multiple attempts to contact the lender. What I was able to decipher from the online portal is that an escrow account was improperly established on the account in XX/XX/XXXX, without my knowledge. This is particularly concerning as a prior victim identity theft and further puts me in a position of overpaying the county for annual property taxes.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2020 I tried making a transfer from my cash app account to my XXXX XXXX. Cash app instantly locked my card for potential scam. I reached out to them several time and no one responded. I kept sending emails. Eventually they blocked my email address from emailing them. Then 2/3 days later they took all {$6600.00} out of my account and kicked me out of that same account forcing me to sign back to regain access of my money and account but I was only able to create a new name. They left me at a {$0.00} balance. And they still have refused to contact me back about how I can receive my money that was in my account. Please can you help?
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to TXXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit card or prepaid card

16 days earlier than payment was due ( payment was due XX/XX/XXXX and recurring payment was setup on XX/XX/XXXX ), after receiving instructions from a PNC bank representative on a telephone call ( I called the bank for instructions ), I set up recurring payments to be withdrawn from my external checking account for the minimum amount due on XX/XX/XXXX, but the payment was never initiated by PNC bank, resulting in a late fee and late payment reporting.
Product: Money transfer, virtual currency, or money service

I signed up for a Cash App account using a referral offer from my friend. The offer states that I must be : 1 ) Be new to Cash App with no previous accounts 2 ) Enter their invite code correctly within 7 days of sending/receiving their first payment 3 ) Link a personal debit card not associated with another Cash App account. People under XXXX  can activate a Cash Card instead 4 ) Send {$5.00} or more, either as a single payment or multiple smaller payments, within 14 days of entering the invite code I have never had a Cash App account before, and did all of the other steps, but the referral bonus was automatically denied. I reached out for help and both reps that I spoke two simply stated that I did not qualify. I asked which condition I did not meet, to which they replied that they did not have access " for security '' to know which condition I did not meet but that I did not meet it. 

In short, they set up a set of conditions to get this bonus, opaquely deny it, and then when pressed for a rationale, said that they can't tell me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that someone stole my identity and opened many accounts without my permission or authority, no police report or fraud affidavit is possible and no information or document is in my possession. XXXX XXXX, XXXX XXXX are not my accurate names : XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX These addresses are UNKNOWN to me. I never lived at these addresses : XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block and remove these accounts from my credit report on my credit report which are UNKNOWN to me.One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX and XXXX ). I have never with these accounts, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of the Fair Credit Reporting Act, please.

A copy of my Utility Bill, Drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by TransUnion/XXXX  not blocking these accounts is inadvertently resulting in me being extorted.
Product: Credit card or prepaid card

I have been a victim of Identity theft and as a result, two {$20000.00} fraudulent USAA Credit Card accounts have been placed on my credit report and is has caused me to have 2 credit cards canceled. They were put on XXXX of 2019. Since then, a XXXX XXXX inquiry has been placed on my credit report. I did an Identity theft report and a FTC report and I contacted USAA on numerous occasions and they informed me that they have put it as a fraudulent account but the credit bureau keeps saying that they are reporting it and I had it removed from XXXX XXXX. They obeyed the FTC, an identity theft report when it was sent almost 2 years ago, and XXXX has ignored it the entire time. XXXX removed it and put it back on my report. I sent proof and was told if was sufficient and still it is being reported.
Product: Vehicle loan or lease

My vehicle has been repossessed even tough all payments were submitted consistently on time. I made my payments from my bank account in Wells Fargo via on line payments. I even went directly to my branch to set up this new account to make sure the process is properly set up. But these payments didn't arrive or arrived late to XXXX XXXX. Something that I wasn't aware off until too late because the money was always taken from my account. 
I have been trying to resolve this issue for the last 3 months however, no resolution have been received or follow up of the multiple claims placed with costumer service with both institutions. 
Proof of payments were sent multiples occasions directly from my bank via fax, and no resolution yet. 
Be informed that my vehicle is an important part of my work and for the last three months have been very difficult for me since I have to rely in others just to be able to work. 
During multiples communication between Wells Fargo and your XXXX XXXX, has been very clear that it was a mistake from Wells Fargo therefore my payments were never allocated under my account. 
My vehicle was already place on auction for sale, and I was informed that promptly I will be receiving collections letters. 
This gross negligence is also damaging my credit. I need a prompt resolution and an immediate explanation.
Product: Debt collection

This debt was from XXXX mobility and I had dealt with it about a year and a half ago with another debt collector and I thought it had resolved but the debt was sold to another company. I went through an investigation with XXXX mobility and someone had opened a phone account in my name and they said that they couldn't prove it wasn't me although the addressed it was opened with is not one I am associated with. They said I was still responsible for the money ... 

I have never had a mobile device or account with XXXX mobility. someone had to have stolen my identity to open this. 

Now it is coming back with another debt collector.
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 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report
containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, XXXX, WELLS FARGO, XXXX  XXXX  XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with these companies. I tried contacting all 3 Bureaus and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WELLS FARGO CARD SER, XXXX   XXXX  XXXX  with no successful resolution. There was definitely an error on their part.
Product: Consumer Loan

My ss # came up on a credit report while trying to refinance my home. I did not know why I had a negative report, so I disputed it, and I got the loan. While revisiting my credit report, I see that the report is still on my credit.
Product: Checking or savings account

I opened an account with PayPal on XXXX. PayPal issue me a direct deposit option to receive money into my PayPal account. The account number and routine number below Routine Number : XXXX Account Number : XXXX {$11000.00} was locked up in my PayPal account since XXXX, I was told to do kyc, which I did prior to the time given, unfortunately they refused to lift the ban on my account, I contacted customer support on phone, I was informed that I had violated PayPal rules with no tangible evidence how I violated the said rules. The support told me according to PayPal terms and conditions that I have to wait 180days then I will be contacted automatically through my mail that my money is available for withdrawal.

I waited 180days, I got an email From PayPal that my money is available for withdrawal Immediately I logged into my account to withdraw my money, the withdrawal was not working, i contacted the support to help I was told their ban is still effective on my account I have to wait another 180days. I told the support I already waited 180days which I received instruction from PayPal that my money was available for withdrawal.Been calling support since XXXX nothing positive is done. I keep seeing my money in my PayPal account without not being able to withdraw my money since XXXX. To survive has not been easy since XXXX I need help to withdraw my money From PayPal.. 
Help me out of this mess. 

Thanks sir/ma XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I sent out a letter to XXXX/XXXX which was delivered on XX/XX/2018 requesting some information that was reporting in error. The response that I received back from this company was very disheartening and I feel like I am being taken advantage of by this company and the credit bureau 's. I am going on about 12 months of trying to fix this issue, and everyone is simply ignoring me and disregarding my request. The letter that I sent to XXXX/XXXX in XX/XX/XXXX clearly stated exactly what I needed to prove to them that the information may be reported in error. However, they simply replied back stating that I didn't request anything in specific. To prove my claims, I've attached the letter I sent, with my request inside of that letter, and also their response from my letter, which came over a month and a half later. This company has a reputation of illegal loan shark transactions and the accounts they set up are with ridiculous late fees, and the billing cycles are set up to increase the likelihood of missing a payment. I am at my wits end with this situation and I need this resolved immediately!