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

In Accordance to Fair Credit Reporting Act 1681a ( 2 ) A ( i ) Exclusions except as provided in paragraph ( 3 ) the term " consumer reports '' do not include report containing information solely as to transactions or experiences between the consumer and the person making the report According to the Fair Credit Reporting Act section 611 ( 5 ) ( A ) of the FCRA you are promptly to DELETE all information that is inaccurate incomplete or which can not be verified I have tried to resolve this matter with the company XXXX XXXX XXXX XXXX as it is negatively impacting my credit but have had no luck
Product: Mortgage

My ex husband and I had a finalized divorce in XX/XX/XXXX. Before that I was not living in the home since XX/XX/XXXX. XXXX XXXX XXXX was our mortgage lender and because my ex husband got behind on payments Selene Finance bought the mortgage. In our divorce agreement I was to get a quit claim deed and my ex was supposed to submit that to have the mortgage refinanced and taken out of my name. Well because he was behind on payments, and I have proof I was n't in the home since XX/XX/XXXX, the modification did n't go through with XXXX XXXX XXXX. Selene Financial bought the mortgage and keep giving us the run around. My name is still on the mortgage, therefore, causing my credit to plummet. I have contacted them and they have tried to now give me information but when I threatened them with a lawyer then they keep sending the same messages about the modification was denied and they will resubmit. Needless to say my ex has n't made payments on the home since XX/XX/XXXX!!!!!!!! This is very upsetting to me and I am ready to get some justice, get this house out of my name, and move on with my life. I am contacting you for help. Please help me in any way you can. Thank you!
Product: Credit reporting or other personal consumer reports

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$13000.00}.
Product: Debt collection

I received a letter from the debt collector that If I paid {$1000.00} to the account the balance will be {$0.00} and the collection be removed and shown as paid in full It still remains on my account with a balance no change I have sent the document to verify this communication with and it still remains
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Published Information on my credit report from I.C. SYSTEM, INC. WHICH IS NOT MY Account. Its fraudulent, and its a privacy issue and its causing harm to my physical state of being, my character my livelihood and costing me to be discriminated against my will to extend my credit. I am already suffering from Identity fraud and now this...
Product: Bank account or service

I am extremely upset! Bank of America is Charging me XXXX overdrafts fees in the amount of {$35.00} each. I get direct deposit, and the money comes in regardless a. They continue to still charge my account with extended overdraft fees, and it 's a lot of money for someone who does n't have {$250.00} to throw away in overdraft fees. I 've been told about Bank of America doing this to their customers, and I should have listened. Now I am the victim of it, and it horrible. XXXX item goes through, and your being charged so many fees! What a joke of a bank this is. I ca n't wait to close this account. WARNING!! Do not open an account with Bank Of America. This should be called the Bank of Fees for Americans!!!
Product: Vehicle loan or lease

I purchased my XXXX XXXX in XX/XX/2019. It was a lease with option to purchase at the end of the lease. The dealer mislead me. I was told that my lease payments go towards the purchase price of the car If I choose to buy the car at the end of the lease. It made sense to me because because i could get a new lease or just keep the car and the car would be virtually paid off if I chose to keep it. The opposite happened. I made lease payments for three years and decided to keep the car at the end of the lease expecting too owe less than {$10000.00}. The payoff quote states almost {$20000.00}. I was intentionally lied too. My son who has some intellectual deficits didn't understand the deal they said they were giving me. I myself am a XXXX  citizen. They took advantage of my family and I am very upset. This needs to be corrected as I am considering filing a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Bank ) XXXX XXXX, 2022 XXXX  XXXX ( Bank ) XX/XX/, 2022 received advertisement for application, applied and was denied and reported! 

XXXX XXXX XXXX Bank ) XX/XX/, 2022 I don't recognize this application.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax are incorrectly showing that I have a late payment for XXXX XXXX XXXX Account # XXXX. on XX/XX/2023. While XXXX is correctly showing that I have never had a late payment for the same account- XXXX XXXXXXXX XXXX XXXX XXXX. 
Secondly, XXXX and Equifax are reporting that I was 30 days late on this account on XX/XX/2023, this is an obvious error as my payment dates are due on the XXXX of every month, thus I could not be late prior to the due date. Notwithstanding, the second contention, my primary contention is that I can not be late and current for the same account on the same date. It is my contention that this inaccurate reporting between the credit reporting agencies violates the maximum accuracy reporting standard set forth in the Fair Credit Reporting Act. I have written several letters of dispute, and requesting verification on the disputed account, some letter written more than 45 days, ands of this day, I have received no response, or an update to my credit report that this account was even in dispute. It is my request that the XXXX XXXX XXXX Account # XXXX be updated to current status showing that this account was never late as is the case.
Product: Credit card

about XX/XX/2021 charges : I was the victim of Identity Theft in 2021. I informed Chase about the issue, and they did nothing to stop it. I contacted them via email, online message, phone calls, and social media chat/support. They refused to block the charges, or cancel and issue a new card, or even investigate. 

As part of my due diligence to report the fraud and identity theft to FDIC, i also started to put credit freeze on my name, and I requested a number of cards and accounts to be closed. Chase did not close my accounts upon request. Instead they marked them as closed due to bank decision, which is also fraudulent and vindictive. They have since personally blacklisted me to open new cards as a matter of revenge. This action of a XXXX XXXX XXXX profit company against a individual consumer seems unlawful. 


This is not a duplicate, and the issue has not been resolved, and I'm going to continue to submit specifics for this month and every other date that is affected by this until there is a resolution. In XXXX of 2021, there were fraudulent charges on all of my Chase credit cards. Although I reported this to Chase, they took no action. Eventually I closed all cards to resolve the identity theft issue. Since that time, Chase refuses to allow me to open a new card or account, even though they are responsible along with me being a victim of identity theft.
Product: Credit card

I filed a dispute on XX/XX/XXXX For {$3500.00} original date of purchase XX/XX/XXXX2023 XXXX XXXX XXXX XXXX I spent two hours on the phone yesterday to find out that the dispute is final and closed. I inquire where was the other {$810.00} that I paid on the account. I was informed that I had to pay interest. 
How is it possible for me to pay interest and all the money was credited back to my account? 
I did receive {$520.00} on XX/XX/XXXX because I asked Barclays to mail me a check. 
Ive made a total of {$1300.00} in payments on the account. 
This unfair and unethical practices by this company The owe me XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE UNAUTHORIZED ACCOUNTS AND INQURIES ON MY CREDIT REPORT ACCORDING TO THE FCRA ANY UNAUTHORIZED ITEMS ON MY REPORT MUST BE REMOVED IF NOT 100 % ACCURATE AND VERIFIABLE PLEASE REMOVE THESE ITEMS FROM MY REPORT
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have an American Express Serve Care. There is a disputed charge on card for {$69.00} with XXXX, who Ive never heard of and cant contact for credit! 
I have store credits from XXXX, all made by merchant on same day! American Express has credited some but not all, for no reason!
Product: Credit reporting or other personal consumer reports

These accounts are past statue of reports and needs to be removed off all XXXX credit bureaus. Equifax, XXXX, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within XXXX  days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$640.00} XXXX XXXX XXXX  {$690.00} Date Opened XX/XX/XXXXXXXX XXXX XXXXk {$84.00} Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4600.00} Inquiries 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 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 XXXXXX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

Fraudulent inquiries on my report made by clear identity theft!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TransUnion a notarized letter. Stating that they have violated my rights under the Fair Credit Reporting Act 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.
Product: Debt collection

This collection just popped up on my credit. First I was NEVER informed of it and I have an active policy with XXXX XXXX. I do NOT owe them any collection amount. This is inaccurate, false and needs to be removed off of my credit file please help
Product: Credit reporting or other personal consumer reports

Today is XX/XX/2024. I checked my credit report and saw fradulent accounts open in my name. Please remove these accounts. I have never opened these accounts or used these services with these companies. 

XXXX XXXXXXXX XXXX - {$1800.00} XXXX XXXX XXXX - {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with representatives from the company to resolve this issue and no action was taken further. The inaccurate items are affecting my credit score and hindering me from approvals.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the report active is inaccurate, and date last reported is inaccurate. This ground for removal also violated my rights under.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX Transunion XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported the inaccuracies regarding the XXXX XXXX XXXX XXXX account # XXXX to Equifax and XXXX, but they did not conduct an investigation. The account has been reporting different high balances with Equifax while reporting different information with XXXX. It also does not report a credit limit with Equifax so how can there be a high balance be reported or how can it be determined what is correct? Then there is no date of last activity, but has been reporting a current payment status until XX/XX/2023. 

It states under 15 U.S. Code 1681i - that If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft XXXX and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 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 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 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 XXXXXX/XX/XXXX
Product: Debt collection

I have XXXX  XXXX and am supposed to be at home resting not being called by Recovery Solutions Group at XXXX XXXX pst regarding a debt. The same debt that Recovery Solutions Group is trying to collect on I have already given notice to their client that I do not wish to be contacted by telephone because I am represented by an attorney and yet they have ignored this by calling me and doing so leaving a voicemail per the attached at XXXX XXXX. 
I want XXXX to stop calling me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 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 within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of DEPT OF ED/XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX INQUIRIES XXXX XXXX  - XX/XX/year>, XXXX XXXX  - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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: Checking or savings account

On XX/XX/year>, I logged into my Wellsfargo mobile app to check on my mortgage and credit card balance. At the time those were the only two products I had with WellsFargo. I received an advertisement on the app with a {$320.00} checking account bonus offer if I opened an account with Wells Fargo. I opened, funded and completed all of the requirements before the 90 days expired and never received a deposit for my bonus. Wells Fargo representatives said they did not see an offer code applied when I opened the account. On the screen where I opened the account there is a disclosure that reads.. Your bonus offer code will be automatically applied to your Everyday Checking account when you complete your online application from this offer webpage. I requested to escalate the research since this was the only reason I opened an account with Wellsfargo. 
It has been 1 year and 1 month since account opening and requirements met. I have screenshots of when I opened the account and the terms and conditions. Wellsfargo is not honoring them and I believe it is an error on their behalf if a code was not put on the account for the offer. I also have the screenshot with the disclosure stating that it would automatically be applied if I opened the account through my mobile banking app. It is dishonest and misleading for them to do this
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I checked my XXXXXXXX XXXX XXXX credit reports and noticed inaccurate unlawful and unverified late payments from Kikoff and XXXX. 15 USC 1666 ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Is being violated no notice was given and all payments were made. I have attached receipts from both companies.
Product: Checking or savings account

I applied online and opened a savings account at Comenity XXXX on XX/XX/2020 at a stated interest rate of 1.70 % APY. I requested at the time of application that it be a joint account. This was not honored y the bank - it took 3 weeks to get my spouse added. As soon as they deposited my funds, they dropped the interest rate. I therefore requested they return my funds and close the account in mid XXXX. I have called multiple times to get this accomplished. They've promised me that they will send the funds back to my originating bank but nothing has happened.I spoke to a supervisor again this morning ( XXXX ) and again promised it would be sent but was not able to provide a reference and informed me they were very busy. I am requesting that my funds be returned to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my report and noticed unauthorized inquiries3 and I want them removed. 

XXXX XXXX from XX/XX/XXXX XXXX inquiry from XX/XX/XXXX Capital One inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX  XXXX inquiry from XX/XX/XXXX XXXX inquiry from XX/XX/XXXX XXXX inquiry from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX I called the XXXX XXXX XXXX to let them know that Transunion had deleted all of my payment information. I had a score of XXXX and by them deleting my information they have ruined my score. Transunion is stating that XXXX XXXX XXXX XXXX did not respond to a dispute and I was provided a date and time of a response which was within the 30 day window the credit bureaus allow. 

I did not give Transunion permission to remove my credit history only to update my information. I would like the company reviewed at all cost.
Product: Payday loan, title loan, or personal loan

I financed a brand new XXXX through XXXX XXXX. I paid my loan off in full and then called the finance company for a title. When I called the company, a representative said they did not have the title because XXXX XXXX did not send one to company. I asked why didn't they contact me about that issue long before I paid the loan off. The representative said it was not XXXX 's problem and that I needed to call the dealer that I bought the car from ( XXXX XXXX of XXXX, LA ). I paid title fees that was calculated into my final price and paid all of the money to XXXX. I need a title to this XXXX  and I have been getting the " run around '' for over a year. Between calling XXXX before they went completely out of business, to calling the DMV, XXXX, Louisiana commission and now this website. I just need my title that I paid for.
Product: Credit reporting or other personal consumer reports

My current address is XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, so please remove the old address reported on my credit file, " XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX. '' Additionally, update my employer 's information to " XXXX XXXX XXXX. '' Please ensure that all my information is accurate and up-to-date on my credit file. This incorrect information violates the FCRA 's maximum possible accuracy requirement, and if it is not corrected after this dispute, you will be held liable for damages of at least {$1000.00} for willful noncompliance. I'm sure you understand the importance of maintaining accurate information on a consumer 's credit report.