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

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.The account listed are not transactions done by myself.
Product: Mortgage

I contacted the mortgage company concerning my balance. They sent me a hard copy of payments and balance. I disagreed and asked questions, where I was told to hold on so that they could transfer me to different people. My husband an I purchased this home, XX/XX/1997. We did refinance 3 times and we also filed for bankruptcy. During that period of bankruptcy, we continued to make our monthly payments and we have never been late on our payment even until now. While reading my credit report, I see that we have a balance of more than XXXX. When we purchased our first and only home, the home coated, XXXX. This is our 24th year in our home and have made regular payments every month. We now owe more on our home than what it is worth, and to factor in that we never missed a payment throughout the process of home ownership, except during the time of going through the refinancing process. Our dream is to own our home as we have entered into our senior age. At this age and time we will never own our home and after all the sacrifice we've put into this home, it will never belong to me and my husband. My husband and myself are now XXXX but we still continue to be responsible and manage our everyday living. We would love for someone to look into this matter. Please feel free to contact us, ( if needed ) for additional information. Thanks!
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding XXXX XXXXXXXX XXXX  inaccurate reporting of my account as both a repossession and a charge-off to the credit reporting agencies. This reporting is false and damaging to my credit history. I voluntarily surrendered the vehicle associated with this account to XXXX XXXX, and it was subsequently sold at auction. Under the Fair Credit Reporting Act ( FCRA ) and relevant case law, XXXX XXXXXXXX XXXX  actions are both inaccurate and a misrepresentation of the facts. 

Legal Basis for Complaint : FCRA Violation Inaccurate Reporting : Under 15 U.S.C. 1681s-2 ( b ), furnishers of credit information, such as XXXX XXXX XXXX are required to ensure the accuracy and completeness of the information they report. Reporting a voluntary surrender as a repossession is materially inaccurate and constitutes a breach of this duty. 

Case Law Accurate Reporting Required : In XXXX XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX ), the court held that furnishers have a responsibility to provide accurate information and that misleading credit entries are grounds for dispute under the FCRA. Similarly, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), clarified that inaccurate or misleading reportingregardless of the specific wordingviolates the FCRA. 

Voluntary Surrender vs. Repossession : A voluntary surrender differs significantly from a repossession, both in procedure and implications. XXXX XXXX reporting fails to make this distinction, misrepresenting the nature of the account status and harming my creditworthiness. 

This should not be reporting as a Repossession nor a charge-off.
Product: Credit reporting or other personal consumer reports

THE CREDIT BUREAU IS CURRENLTY ACCOUNTS THAT WAS OPEN FRAUDULENTLY WITHOUT VERIFY. I DEMAND AN IMMEDIATE REMOVAL OF THE THOSE ACCOUNTS INLUDING ALL UNAUTHORIZED INQUIRIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two loans with XXXX that were charged off. The accounts were purchased by XXXX XXXX who made a settlement agreement with me. I have provided proof that the accounts were settled in full to Experian over 10 times and they refuse to correct or delete the account.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was scammed through XXXX and had {$1000.00} sent to a recipient, claiming by the caller they were the bank and they were helping me reverse the transaction. The recipient email was entered as XXXX and my name was entered into recipient name area. XXXX XXXX was put into the memo line of the transfer. After the money was taken from my account I called my bank fraud department ( wells fargo ) and filed a claim within minutes of this happening, claim number XXXX. I was told the money would be returned to my account within 10 days. The bank provided a provisional credit while they looked into the case. On XX/XX/XXXX the bank took back the provisional credit of {$1000.00} stating the case was closed on XX/XX/XXXX and my claim was denied because I authorized the transaction and the money went to the designated recipient. I called Wells Fargo on XX/XX/XXXX and was told someone would call me back to assist me with reversing the denial. I called again on XX/XX/XXXX after not hearing from the bank and was told someone would be calling within XXXX hours. On XX/XX/XXXX I received an email explaining that my claim was denied because the transaction processed correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a dispute with XXXX and Transunion reference to this debt collector XXXX XXXX who is reporting they own this debt from XXXX XXXX. On XX/XX/22 I sent them a letter via registered mail with return receipt asking them to validate this debt. I received proof of delivery with a signature from their company. As of today I have not received a response and they continue to report this as a collection debt to all three credit reporting agencies. This is a charged off debt by XXXX XXXX. It is also time barred under SC law ( S.C. Code 15-3-530 ).
Product: Credit card

I filed a dispute with XXXX to Bank of America credit card department but they closed the dispute for no reason without any notice or legitimate reason. I called BOA and they told me different reasons from different agents. Claim ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. The status date is incorrect. Also date reported is inaccurate. 
Another thing is the monthly payment is incorrect. If the XXXX credit bureaus receive the same information this should not be incorrect. This account is not accurate at all. Also the closed date is not correct. Another thing is the term date is not correct. The highest balance is incorrect.
Product: Bank account or service

On XXXX XXXX, 2015 at around XXXX I deposited cash and checks into the ATM outside of the XXXX on XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I deposited the checks and cash, but the machine broke down and did n't give me back my card or receipt. I called the number on the ATM, but was told that because I did n't bank with XXXX that I would have to notify my bank and have them file the claim. After hanging up with XXXX I then called my bank ( Statefarm bank ) and explained the situation. A young lady handled the dispute and told me that a provisional credit would be put on my account for the amount of money I deposited, and when the problem got resolved the provisional credit would be removed and it would simply show up as a deposit. Before I hung up, I asked for a confirmation number, but was told they did n't have one and that I did n't have to do anything but wait for the problem to get resolved. Since XXXX/XXXX/15 I have been calling StateFarm Bank so that I may have this problem resolved. Every time I called to ask about the issue, I was told that it was being investigated and to not worry that everything was going to be fine. On XXXX XXXX, 2015, StateFarm Bank withdrew the " Provisional credit '' from my account, but did NOT credit me back the money for my deposit. I called StateFarm to ask about what was going on and was told that XXXX had no history of my transaction and that is why my account was not credited back the money.I was also told by StateFarm Bank that they could not help me any further because time had been exhausted. The specialist instructed me to file a police report and go to XXXX personally to dispute the matter. I asked the StateFarm specialist if they had gotten the video footage from the cameras infront of the ATM and bank to prove that I had been there, but was told that XXXX did not want to release such footage. I have a video recording of when the incident happened as well as a couple of pictures proving I was there on XXXX/XXXX/15. I have also contacted XXXX of the XXXX persons that gave the check and found that it had not been cashed, also proving that the checks and cash stayed in the machine. I filed the police report as instructed and also went in person to XXXX and was told that because I do not bank with the that I could not dispute the issue. If you could please get back to me at XXXX with some answers as to what I need to do to get my money back I would greatly appreciate it. I am a XXXX student at XXXX University and can not afford to lose my money. 

Thank you for your time, -XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX XXXX - XXXX - {$700.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX - {$390.00} XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX  XXXX XXXX - {$0.00} XXXX  - XXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} XXXXXXXX XXXX XXXX  - XXXX - {$1400.00} XXXX - XXXX - {$0.00} XXXX XXXX - XXXX - {$0.00} XXXX XXXX  - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX & XXXX - XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXXXXXX - {$370.00} XXXX XXXX XXXX XXXX - {$330.00} XXXX XXXX XXXX XXXX {$700.00} XXXX - XXXX - {$0.00} XXXX - XXXX - {$530.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXXXXXX - {$380.00} XXXX - XXXX - {$720.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX  - XXXX 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 FTC Report Number : 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: Mortgage

My loan was transferred to XXXX ( LoanCare ) in late XXXX XXXX XXXX from XXXX XXXX XXXX ( XXXX ). We had previously paid our XXXX mortgage payment to XXXX on XX/XX/XXXX, which was then transferred over to XXXX in a bulk wire transfer on XX/XX/XXXX. XXXX mishandled the payment and did not apply it to my account, and have been unable to resolve the issue in the 4 months that followed. During that time period I have called and spoken to their customer support, payment research, and supervisor teams on 15 different calls spanning 12 hours in duration. I have provided LoanCare with full banks statements and wire transfer information that I collected from XXXX per LoanCare 's request. I have complied with each of their requests, but they have still not resolved the issue and have applied late fees to my account and threatened me with foreclosure on my mortgage. LoanCare has failed to respond to any of my requests or complete any action on their end to help rectify the issue. They've ignored scheduled call backs and will not give me contact information to reach them directly. Each call indicates the issue will be resolved within a week, and each time they fail to make any progress yet they have marked my account as delinquent and applied late charges even when knowing this is an issue they caused. I have provided them with all of the information that I possibly can and I have run out of options for how to move forward. I am submitting a formal request here as I do not know what else I can do to reconcile this issue. There mishandling of this payment and inability to help resolve an issue that they caused is unacceptable and has been the worst experience I've had working with any company in any industry. We unfortunately can not chose who services our loan in a transfer like this, and being left with LoanCare has cost me far too many hours of my time and has made me worried about my financial reputation even though I have made every payment on time and followed their instruction every step of the way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that don't belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and still not getting any resolution. I don't know what seems to be the problem. Please help me! 

List of accounts ; XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX  HOSPITAL XXXX XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

please delete all unauthorized hard inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a lil more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure 1 they are, I also read something called the fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a ) 7 I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted it they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation.

Please investigate the following accounts and remove them if anything is missing of not correct on them. 
Accounts Account Name : XXXX XXXX XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account name : XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as I want the investigation outcome to be sent to my address I put on the from area Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete information on my Equifax Credit report.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/accounts. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Under federal law, you have thirty ( 30 ) days to complete your re-investigation. 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 fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Debt collection

Hello, My Transunion credit bureau reflects a debt from XXXX XXXX XXXX XXXX XXXX {$1300.00}, listing the original creditor as XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX I sent my third letter to XXXX XXXX XXXX XXXX and a copy of this letter certified tr # XXXX to Transunion requesting a verification of this debt. As of XX/XX/XXXX I have still not received any verification, yet they continue to report this debt. Under FCRA Section 616 and 617 this is willful and negligent noncompliance. Under section 611 they are required to delete all information which can not be verified. 

I ask that you please cite my complaint for non compliance by both Transunion and XXXX XXXX. 

Thank you
Product: Credit card or prepaid card

My money is on my cash app card and when i try to log into my account its telling me i tried too many times to register and i need try again in 24 hours, when i already have an account. I emailed them twice XXXX XXXX And i havent gotten a response. My Account is still the same as of right now and i need to access my money urgently, this isnt fair at all.
Product: Consumer Loan

In XX/XX/XXXX I purchased a XXXX from XX/XX/XXXX. Our credit was pretty bad at the time, and foolishly we signed for a high interest loan on this car. We have paid $ XXXX since the purchase date. Payoff right now is {$20000.00} plus on an {$18000.00} car! Not one dime has went toward the interest. Every cent has been going to the interest. They refuse to let me talk to someone to tell me why, and make excuses for why it is all interest. There is no possible way to get out from under this loan, or even come close to paying it off. We have had probably 20 car loans during the course of mine and spouses lifetime. NEVER have we ever had a loan where the principal continues to grow, no matter if we were late, early or on time! Please help us!
Product: Checking or savings account

Chase Bank denied over XXXX fraudulent charges in less than XXXX hours they gave me a reason that I waited too long to report it, the first charge happened in XXXX, the last XX/XX/XXXX, I made the report XX/XX/XXXX, it was denied the same day. 
They then said they'd credit some of the charges in a letter I received. They then decided they weren't going to do that either because they can't prove it was fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint cia the help of the CFPB to request your assistance in correcting erroneous information on my credit file. There are accounts that belong to me but are reporting inaccurate status, which is misleading and adversely affecting my creditworthiness. I have reviewed my credit report and identified the specific accounts that require correction. Despite my attempts to resolve the matter with the credit bureaus and the creditors, the inaccurate information remains on my credit file. 
XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$910.00} XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$710.00}. I am requesting that you investigate the matter and take the necessary steps to correct the erroneous accounts on my credit report. I am including a copy of the dispute letter I recently sent with this complaint for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discrimination and unfair equal credit opportunity from the credit reporting agencies has caused me ( the consumer ) an ordeal of economical and non economical damage to deal with on my own. The suffering have left me scared and damaged with plenty of proof to show for it. I am not able to obtain personal, family, and household services or products due to the credit reporting agencies disobedience and failure to carry out their responsible duties to insure the accuracy of my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # 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 a account without my written instructions.
Product: Debt collection

On XX/XX/year> I called Pressler, Felt and Warshaw regarding a notice I received in the mail. A person answered the phone and told me they were not qualified to speak to me about the situation and that they will transfer me to someone who can. I was transferred to a woman who I began speaking with. I tried to set up payments for {$50.00} which was rejected. She put me on hold and came back and said she can do {$250.00} but I told her I couldnt do that but negotiated {$100.00}. I did also mention that I saw there is a website where I can pay which she said will not work because I havent made an arrangement with her yet. She then became very stern and said that if I cant pay {$250.00} a month I cant pay anything at all because she is not agreeing to my terms. I asked her why she would rather me pay nothing than agree to her arrangement and she said that i can call back at another time. I asked if i would be penalized for not making payments and waiting and she wouldnt answer me and got more and more irate and that she wasnt allowed to tell me anything else at this time. I asked if legal action would be taken against me or if I would be penalized for waiting and she said she was not allowed to tell me. I then thanked her and ended the call. After speaking with her I set up an account and am indeed able to make payments online. This person was extremely rude and evasive which leads me to believe this is not a credible firm and that their letters were used for harassment purposes.
Product: Credit reporting or other personal consumer reports

XXXX removed And XXXX removed all items and experian is the only credit company who is not following through My identity and my business was comprised accounts were opened and used under my name and social and Id and I have suffered a lost because of all this I would like it removed from my credit report