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

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Vehicle loan or lease

I have repeatedly tried to get Wells Fargo to correct their difficenct systems and practices, to no positive result. In each case, Wells Fargo just demands more and less practical information. I have previously asked Wells Fargo to correct this information, in return they claim that their records don't match and that I must provide bank records from nearly a decade ago in some cases to correct their records. 

I had a WFDS loan for an auto that was paid in XX/XX/XXXX. To this day, Wells Fargo continues to report the loan delinquent, with delinquenceis in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as well as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Attached are payment confirmations that I received from Wells Fargo as they happened. If you reference CFPB Complaint # XXXX you will see that Wells Fargo simply denies the problem and demands yet more records that are now at this point nearly 7 years old. 

In light of the recent facts that have to come light with Wells Fargo practices, including : - Massive settlements regarding fraudulently opening accounts in the names of customers - Abusive red-lining and discrimination against other XXXX and minority customers AND - Underhanded sales practices and dishonesty that stretches to the top of the company I feel it's time to revisit this issue which has negatively impacted me for nearly 6 years.
Product: Bank account or service

From XXXX to XXXX XXXX XXXX moms death ... Chase has failed to honour moms Pleas to help her get her hard earned ssa.money..presently Jpm Chase bank is now flat lining my queries standing and maintaining a wall of silence..all their documentary requests have been fulfilled namely my XXXX passport ... moms death certificate From the XXXX..she s a us citizen ... .I sent my birth certificate..Chase request for disposition of funds notarised by a us embassy and finally a statement from us social security which apallingly they continue to ignore and the fact that sea XXXX. ..where i reside gave me XXXX XXXX XXXX statement and Chase continues to ignore XXXX after 3 yrs is criminal I hope justice is served and chase releases where my inheritance of approx XXXX us dollars that 's XXXX monthly XXXX months XXXX hidden XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I disputed the debt with all   XXXX   credit bureaus. They keep verifying the debt. I requested from the credit bureaus copies of the documentation that shows the information has been verified. The credit bureaus told me to contact the creditor because they do n't receive documentation all they receive is an electronic file.   I contacted the creditors and received a letter stating that they dont have any documentation and that they need to contact the original creditor. I have not heard from the collection agency or the original creditor to whom i allegedly owe the debt. My question is how is it that they can report information but don ; t have any documentation to provide as proof of the debt?
Product: Mortgage

On XX/XX/2023 I paid my mortgage payment to OCMBC through my banks online bill payment system. This was for my XX/XX/XXXX payment. On XX/XX/XXXX a new mortgage servicing company took over my loan. On XX/XX/XXXX the check my bank issued to OCMBC was cashed. XXXX XXXX I received a phone call from XXXX, my new mortgage servicing company, informing me I was past due on my mortgage. This was when I found out the loan had been sold as I had not received notification yet. I was not willing to give out personal information to someone over the phone that I knew nothing about. I received notification in the mail my home loan was sold. On XX/XX/XXXX, I called XXXX. They called OCMBC with me on a 3 way call. We spoke with XXXX who confirmed they had in fact received my mortgage payment. She said they would send it over to XXXX and the process could take up to 10 business days. On XX/XX/XXXX, XXXX still had not received my payment. I called OCMBC again and spoke to XXXX who said they are processing that over to XXXX. Due to the excessive time this was taking, I asked for a supervisor. XXXX laughed and disconnected the call. On XX/XX/XXXX I called OCMBC again and left a voicemail for the supervisor. On XX/XX/XXXX, XXXX still has not received my payment. They recommended me filing a complaint with CFPB.
Product: Credit reporting or other personal consumer reports

Subject : FTC Report : Dispute of Fraudulent Account Dear CFPB I hope this message finds you well. I am writing to report a fraudulent account that recently appeared on my XXXX credit report. The account in question, identified by JPMCB acc # XXXX, purportedly opened in XX/XX/year>. However, I was completely unaware of its existence until it surfaced as delinquent earlier this year. This account appeared unexpectedly and without any prior notice on my credit history. I strongly believe that this account is a result of identity theft, and I am a victim of fraudulent activity. 

Under the Fair Credit Reporting Act ( FCRA ) Section 609, consumers have the right to dispute inaccurate or fraudulent information on their credit reports. According to FCRA Section 611, upon investigation, if it is determined that information is inaccurate or can not be verified, the credit reporting agency must promptly remove or correct it. 

I have already filed a report with the FTC regarding this matter and have also submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ). Enclosed with this letter are copies of my identification, Social Security card, FTC report, and CFPB complaint for your reference and to assist in the verification process. 

I kindly request your immediate assistance in thoroughly investigating this matter in accordance with FCRA guidelines. Please advise on the necessary steps to promptly remove this fraudulent account from my credit report and prevent any further impact on my credit standing. You can reach me at ph # XXXX or XXXX for any additional information needed
Product: Debt collection

I

n XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I disputed two items in collections on my credit report. After review, the CRA ( XXXX ) deleted the items from my credit report. Fast forward to approx XX/XX/XXXX ; I notice that my credit score has dropped precipitously, so I go to investigate, and much to my dismay, I find that " XXXX XXXX '' has somehow managed to park this deleted item on my credit report with absolutely no notification. The CA also re-aged the debt, stating that the " date opened '' was in XX/XX/XXXX. This is severely impacting my ability to move forward with plans to purchase a house,
and seems criminal in nature.
Product: Credit card

My credit limit at Synchrony Credit Card Company was reduced from approximately {$7000.00} to {$1200.00}, that is a XXXX % change! THIS IS UNREASONABLE I received a courtesy credit alert from another of my credit cards, XXXX XXXX that my credit score will be reduced because of this change. 

My credit score it over XXXX and I am concerned that my score will be reduced because of this unauthorized change, and that I was not given advance warning and the opportunity to use the card before the change took place I have a stellar record with Synchrony This change was made without any type of notice from Synchrony Credit card company to me. When I contacted Synchrony, they confirmed that they do not notify customers of any information concerning reductions in their credit limits. THIS IS UNREASONABLE
Product: Credit reporting or other personal consumer reports

My credit report includes inquiries that breach 15 USC 1681b ( c ) ( 2 ) as theyre unauthorized and affecting my score. Please remove them.
Product: Debt collection

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
Below are the errors I have identified : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting or other personal consumer reports

EXPERIAN, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The listed inquiry was without authorization, and for XXXX legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Sincerely, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

DURING THE YEAR 2017, I REALIZED THAT I WAS A VICTIM OF IDENTITY THEFT WHEN I HAD MY CREDIT REPORT PULLED IN SEARCH OF PURCHASING A HOME WHEN THE AGENT WAS GOING THROUGH THE REPORT IN DETAIL ASKING MY ABOUT CERTAIN ACCOUNTS UNDER MY NAME. I WAS SHOCKED TO SEE THAT I WAS ACTUALLY A VICTIM, AS I HAVE ONLY HEARD PEOPLE TALKING ABOUT IDENTITY THEFT BUT NEVER KNEW WHAT IT WAS. 
I was advised by this agent to seek legal advice to have my name cleared from these fraud accounts. Since 2017, on numerous occasions almost every month, I have filed disputes after disputes to XXXX XXXX and Transunion Credit Agencies, seeking to remove these fraud account from under my name. Till Today, I am still doing so, and I was advised recently to file a complaint with CFBP to assist in the process of removing these fraud accounts which are affecting my to accomplish my goals. 
1. XXXX XXXX {$17000.00}. with TRANSUNION 2. XXXX XXXX XXXX {$6000.00}. with XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX {$4000.00}. with XXXX I WOULD APPRECIATE YOUR HELP TO HAVE MY NAME CLEARED AND THESE FRAUD ACCOUNTS REMOVED FROM UNDER MY NAME.
Product: Checking or savings account

On XX/XX/2023 I received a text message from Chase fraud asking if I attempted to withdraw {$400.00}, immediately I wrote back and said no not even a minute later. Looking at my account I saw {$400.00}, {$300.00} and {$1500.00} withdrew from my account unauthorized. I never made this request nor does anyone have my information. I physically have my card on me, however, I saw that an unknown computer logged onto my banking account against my will and was told that they made the ATM request though there. Attached is the text message of me telling Chase that I did not approve this charge and a screenshot of the unknown computer. A temporary credit of {$700.00} was refunded to me, however, this was taken aback by Chase and as a result my bank account is now negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX   XXXX   2017  I spoke with  XXXX   XXXX  and  XXXX  at   XXXX   XXXX  . I had two very specific questions and advised them both NOT TOO PULL MY CREDIT because it had already been pulled a month prior.  XXXX   XXXX  pulled my credi t WITHOUT my consent. It 's a recorded line that they clearly hear me saying not to pull the credit. I have an email between he and I stating the same. He claimed that my credit score would n't drop and that it 's the same as one months ago. I told him not  to pull the credit he did it anyway and my score has dropped  XXXX  points immediately as a result
Product: Checking or savings account

Lost wallet in XXXX last month. I had my ID, Ssn, bank card, and other personal information in it. Ive been seeing weird activity on my account and my bank account was recently closed due to fraud??? I contacted my bank today and was told that my account was closed. I contacted XXXX last week to free my lines of credit.
Product: Vehicle loan or lease

Bought a XXXX XXXX XXXX from XXXX on XX/XX/XXXX. Terms were very high but I was in need of a car that ran. Well 22 days after purchase the timing belt broke and they towed it to their mechanic at XXXX XXXX in XXXX WA. Three weeks later I get my cruiser back and the AC was broken, overheated like crazy and had silver flakes in the radiator! I called XXXX and spoke to XXXX. She said to bring it back in. They offered me another car to trade out the Cruiser and took my contract and put it in the shredding box. So I have this XXXX XXXX XXXX and it starts to overheat and engine is loud so two days later I called and told them Im returning the Van and done with their company ect. Got a refund {$1200.00} back and thought I was done. Weeks later my credit report says I still owe money XXXX and account is still OPEN for the XXXX XXXX! The XXXX XXXX  isn't on my credit reports at all. XXXX said I had to write a letter to XXXX to dispute the credit report. I've been trying to call their corporate office for months and not one person has returned my calls. Im trying to finance another car and my terms are toi high because it looks like I still have that XXXX! I need to have that XXXX XXXX  off my credit reports! This is unfair. They say I voluntary repossed the car and I defaulted on a security agreement. They never said anything to me when I turned the keys in at all. This is fraudulent.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX2024, I paid my assessments and discovered money had been taken from my bank without my permission. 

I contacted the bank by email and phone per their instructions to discuss. 

XXXX XXXX2024 no answer and no followup email received.
Product: Credit reporting or other personal consumer reports

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

repeated attempts via certified letters disputing this medical collection asking XXXX, XXXX to remove medical collections from my credit report with no success. 
XXXX Merchants Adjustment : # XXXX XXXX XXXX XXXX XXXX XXXX. Loan Type- collection agency/attorney : Balance {$1.00}, XXXX XXXX- Merchants Adjustment XXXX # XXXX XXXX XXXX XXXX XXXX XXXX. Loan Type- Collection agency/attorney : Balance {$1100.00} in accordance with the Fair Credit Reporting act Concerning Account # XXXX, has violated my rights 15 U.S.C. 1681 Section 602 A ; States that I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : states that a consumer reporting agency can not furnish an account without my written consent or instructions
Product: Debt collection

I received a signature loan from CashCall Inc. in the amount of {$2600.00} in XXXX of XXXX after paying {$200.00} a month for 18 months my Bal. Due. was STILL {$2400.00} after several attempts to resolve this balance dispute with CashCall Inc. I decided to seek legal assistance I never heard from CashCall Inc. again, in XXXX I sold a house, about 8 months later I was going through the paperwork from the sale of the house and noticed a payment made to XXXX California XXXX XXXX XXXX for the amount of {$4300.00}, when researching the payment I found out it was for the CashCall Inc. account, when I contacted XXXX California XXXX XXXX XXXX ( here-forth known as XXXX XXXX ) and ask them to provide documentation giving them authorization to collect this Debt. ( I.E. contracts of any kind ) the Representative of this company ( XXXX XXXX ) who I believe is the owner, became very belligerent with me, talked down to me and said to me that if I had payed my bill he wouldn't have had to collect such a payment and then informed me that I still owed another {$2000.00} for interest and court cost, while never providing any contracts. I just got a letter dated XX/XX/XXXX that states my balance due now is {$2500.00} ( interest & court cost ) on a Signature Loan from XXXX of {$2600.00} that was paid on for 18 months ( at {$200.00} a month ) and after this company STOLE {$4300.00} from me or should I say after XXXX XXXX STOLE {$4300.00} from me he now wants another {$2500.00} after 15 YEARS there is no way this can be legal. Please help me resolve this Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a bankruptcy on my credit profile. I have asked for verification of the bankruptcy, and it did indeed come back verified. This is a problem because XXXX is stating they spoke with the court and the court verified the bankruptcy. I have done my due diligence and contacted the court on my credit profile. They not only could not verify the bankruptcy as mine, they also stated they not VERIFY with the credit bureaus. XXXX has removed the bankruptcy because of this. I am asking XXXX and TransUnion how they are verifying the bankruptcy. They are stating with the court. This is not true. Meaning, the bankruptcy is unverifiable. I am asking for immediate deletion of the bankruptcy on my credit profile. This is defamation of character as the bankruptcy is being reported in error. If XXXX and Transunion are using XXXX to verify, that is not a fair investigation. I have the right to a fair investigation. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint I am submitting to you today to inform you that I have been a victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT # XXXX. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Please remove the following fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ), the Credit Bureaus shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. With the rampant issue of identity theft spreading across the country, I was not spared from the identity theft 's cruelty thus leading to me being an unfortunate victim. Please remove the disputed items off of my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to access my three credit reports and when I got into EXPERIAN report it would not let me out until I created an account for monitoring. XXXX EXPERIAN?

I thought the only way to get my last transition report was to create an account which I did?? It then kicked me off the site. I tried approx 15 times and finally I was able to access transition account.

When I kept trying it did not ask me to log in. When I looked over my reports the following day XX/XX/XXXX XXXX EXPERIAN WAS ALREADY ON MY REPORT. Today XX/XX/XXXX I received an email from experian asking me if I wanted them to search the dark web for info regarding my social security number use or my personal information.I did.not open the images. Now I have many disputes that I wanted to notify the credit reporting companies but I don't feel safe doing that right now. I have court in XX/XX/XXXX for a divorce hearing and I need a lot of info from those reports. What should I do.
Product: Checking or savings account

I keep filling a dispute for {$2100.00} and they keep denying it I just want my money XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 I requested to all three credit bureau to update my full name and they refused to update