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

i personally submitted this request to all three credit bureaus. I went to XXXX XXXX  in XXXX XXXX to apply for a lease and was denied due to accounts reporting negative on my credit report that are not mine. I saw on my credit report these accounts that are not mine as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX/XXXX  XXXX XXXX. I never opened these accounts, nor did I authorize anyone to do so. These accounts are not mine, and I never possessed any goods, money, or services from these accounts being opened. I filed a police report with the XXXX XXXX Police department, as well as adding a fraud alert to my account.
Product: Student loan

I have a loan through Navient and I am unable to pay it because they do not have my correct birth date. I can not log in because I have to validate who I am and it doesn't have my correct information. I've tried to call so many times over the past couple of years and they tell me they can't even talk to me because they can't verify who I am. They just keep pushing my account into forbearance and I keep gaining more debt from interest and ruining my credit. I've been trying to fix this for so long and I'm feeling completely hopeless now.
Product: Mortgage

I submitted a loan modification to Selene Finance on XX/XX/year>. After weeks of back and forth they said the sale date was under 37 days and they would not review. They strung me alone during this time which wasted weeks of time. I had 60 days of postponements which I used at the same time on XX/XX/XXXX ( proof attached ) and the next day on XX/XX/XXXX I resent a full loan modification file. On one of my calls prior to XX/XX/XXXX I asked what was missing on my file and I sent those documents to the bank in addition to the rest of the loan modification file. Selene failed for weeks to update my foreclosure sale date in their system which was XX/XX/XXXX. They kept saying it was XX/XX/XXXX which kept me under the 37 days they require. Finally on XX/XX/XXXX they moved the sale date in their system to XX/XX/XXXX ( obviously this was after the old sale date had past ). This has still kept me under the 37 days they require. It seems Selene has done this on purpose so they did not have to review my loan modification file.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX {$23000.00} DATE OPENED XX/XX/year> OVER THE PAST 1 YEAR, I HAVE TRIED TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT, ALL 4 TIMES TRANSUNION VERIFIED, AND ALL 4 TIMES INCORRECTLY REPORTED THE INFORMATION, AND ALL 4 TIMES THEY SHOWED DIFFERENT INFORMATION .I HAVE SUBMITTED ALL DOCUMENTS AND EVIDENCE THAT THIS ACCOUNT WAS NOT OPENED BY ME, SOMEONE STOLE MY INFORMATION AND OPENED THIS ACCOUNT, ALL OTHER CREDIT BUREAUS HAVE ALREADY REMOVED THIS ACCOUNT!
Product: Credit reporting or other personal consumer reports

TransUnion verified his account was accurate and i seen m credit report and seen alot of discrepancies and inaccuracies and these errors are in direct violation of my rights under the Truth in Lending Act ( TILA ). The TILA protects consumers by ensuring accurate and fair credit reporting. I demand that you immediately remove this inaccurate account from my credit report. If this account is not removed promptly, I will be forced to pursue arbitration due to fraudulent activity.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent accounts on my credit report that I did not authorize or consent to. Upon reviewing my credit report, I discovered the following unauthorized accounts : 1. 
Account Name : [ XXXX ] - Account Number : [ XXXX ] - **Date Opened** : [ XX/XX/year> ] - **Outstanding Balance** : [ {$6800.00} ] 2. 
Account Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Date Opened : [ XX/XX/year> Outstanding Balance : [ {$2300.00} ] I want to emphasize that I did not open or authorize any of these accounts. I am a victim of identity theft, and I request that these fraudulent accounts be removed from my credit report immediately. 

Additionally, I would like to bring to your attention that your bureau is in violation of the Fair Credit Reporting Act ( FCRA ) laws, specifically : - Title 15 U.S. Code. 1681b - Title 15 U.S. Code 1681c-1 - Title 15 U.S.C 1681c-2 - Title 15 U.S. Code 1601 - Title 15 U.S Code 1692c Title 15 U.S. Code 1681b states that you as the credit reporting agency does not have the right to report anything on my credit report without proof of written consent that I opened the account. I previously disputed these accounts and asked for proof of verification which you did not provide. I never gave any written consent to the fraudulent accounts stated above and therefore you are in violation of this code & must remove these accounts from my credit history. Title 15 U.S.C 1681c-1 of the Fair Credit Reporting act specifically states that without my written consent I am absolutely a victim of identity theft. Based on Title 15 U.S. Code 1681c-2 of the Fair Credit Reporting act, if you are notified by the consumer about something on their credit report because of identity theft ( which I have notified you of ), you must remove these inaccurate accounts from my credit report because once again I never gave any one my consent on the accounts I have listed above. Also, Title 15 U.S. Code 1601 protects consumers against unfair and inaccurate credit billing & card practices which you have violated by allowing these fraudulent accounts to continue to report on my account after no written proof of consent has been sent from your bureau. Lastly I recently wrote a dispute letter of the same fraudulent accounts I am writing about now to your bureau & yet again your bureau violated Title 15 U.S. Code 1681i of the Fair Credit Reporting Act which states you have 30 days from notice of the dispute on your end to investigate and determine whether the disputed information is accurate or not. I urge you to investigate this matter promptly and take appropriate action to rectify the inaccuracies on my credit report. Please provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed.

Thank you for your attention to this matter.
Product: Credit card or prepaid card

I've filed a dispute with PNC Bank credit card company where XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Where I am housed at the XXXX XXXXXXXX XXXX XXXX at XXXX XXXX XXXX XXXX, OK XXXX and my DOC number is XXXX. I looked on my credit report, I seen a account from PNC Bank that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in prison, with a copy of my XXXX prison Identification ID from the XXXX XXXX XXXX XXXX which is a legally issued state ID with my Social security card. Which could've all been verified by the Department of corrections had this company did a proper investigation into this matter. Where they sent me a response on XX/XX/XXXX stating that they needed more information to conducted an investigation. state : the account was opened on XXXX, XXXX At that time we were provided with name address and other identifying information. First of all I would agree to disagree and for these reasons if I have been incarcerated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the same address of XXXX XXXX XXXX XXXX XXXX XXXX for the past 10 years where no credit card was ever mailed to this facility would shows that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.
Product: Mortgage

This is an ongoing problem : Previous case # ( s ) XXXX & XXXX. 
Attached are documents from Fay Servicing, who are the new mortgage service company for my loan. Transfer of service was on XX/XX/XXXX from XXXX. Ever since XXXX took over the loan back in XX/XX/XXXX, constant problems have continued as stated in previous cases aforementioned. According to XXXX, I am in arrears by XXXX month payments. Attached are copies of recent statements and XXXX ( XXXX ) months of canceled checks. 
The second issue is with flood insurance. Fay insist I have no flood insurance when in fact XXXX letter confirms the coverage. 
Third : XXXX and Fay have been including escrow fees and as stated in A letter dated XX/XX/XXXX, the account is non escrow. 
I want this account corrected and all escrow, insurance late fees etc monies refunded. 
This is also is causing a negative effect my credit score Please HELP!
Product: Mortgage

I have sent many notices to PennyMac that I am adding an authorized user to my loan. They refuse. They hung up on me 2 times in a row.
Product: Credit reporting

I have written Experian several times to no avail. XXXX # XXXX is a repossession and they payment history needs to reflect the date of repossession. This is not a recurring chargeoff/collection.
Product: Consumer Loan

I was awarded a settlement against Capital One Auto for an illegal repossession on XXXX XXXX XXXX. It was agreed that I would recover : the car and granted the title, they would remove the negative mark/tradeline from my credit report and I was awarded cash. However, they are now suing me in bankruptcy court in order to take back the car they agreed to give me stating that my account was past due. The court date is scheduled for XXXX XXXX XXXX at XXXX. However, I paid Capital One what was needed to retrieve my car back before it was sold XX/XX/XXXX, afterwards I was given the car back from XXXX XXXX who held the car at the impound lot. Afterwards, I paid Capital One Auto the next scheduled auto payment. Afterwards, Capital One disbarred me from accessing my online account via the XXXX. I informed my consumer justice attorney and previous bankruptcy attorney that I was having trouble making payments to Capital One Auto. I was told that because I filed bankruptcy that I could n't make payments to Capital One Auto until after the bankruptcy was discharged, even though I wanted to keep the car. I was also told that because I have a pending lawsuit against Capital One Auto for the vehicle that I 'm not supposed to make any payments to Capital One Auto. I contacted XXXX XXXX to handle the illegal repossession in XXXX XXXX and hired XXXX XXXX XXXX XXXX to handle the bankruptcy proceedings. I immediately put the XXXX in touch with each other in XXXX XXXX. I have emails showing that I was contacting both attorneys to make a payment since XXXX XXXX and screenshots of Capital One Auto who removed my account. I informed the bankruptcy attorney that I wanted to reaffirm the car but he stated that Capital One Auto did not want to reaffirm the auto. I was then told by the consumer justice attorney that it was because Capital One Auto would be settling and I would given the car. Now, Capital One XXXX is suing me to recover the auto, which should be dismissed.
Product: Credit card

Order placed on XXXX XXXX XXXX on XX/XX/year> for a dress valued at {$340.00} dollars - paid for expedited shipping Package arrived on XX/XX/year> and left at the front of the lobby ( not at my door ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, leaving only the box ( surveillance footage capturing from building management - videos can be sent ) Contact XXXX customer service on XX/XX/year> ( did not have time beforehand as went out of town for a wedding ) XXXX says they can't issue a refund as the package was stolen and to dispute the charge on my credit card Opened up a dispute with Chase XX/XX/year> Received notice on XX/XX/year> that the dispute was denied and the merchandise was deemed valid due to information received from the Merchant ( despite being told this was my best course of action ) Called both Chase and XXXX XXXX XXXX customer service on XX/XX/year> who both said there was nothing to be done and to contact local law enforcement, although a refund is not guaranteed
Product: Credit reporting or other personal consumer reports

I opened a dispute on several accounts that are incorrect. They have been paid off but not removed from my credit report, I have disputed them multiple times and each time they come back as verified some of the collections even have updated notes reflecting that I have paid them completely off, but yet they will not update my acct or notes to reflect this. This has cost me multiple denials in a new home because my credit is reflecting multiple charge offs as unpaid. 
XXXX XXXX XXXX- {$770.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX- {$970.00}
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account ED FINANCIAL/XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that ED FINANCIAL/XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

7. XXXX XXXX - xxxxxxxxxxxx XXXX Reason # 1 : Account status is reporting as charge off.

Reason # 2 : Date reported is inaccurate.

Reason # 3 : This account does not report on XXXX or XXXX, which leads me to believe this is completely inaccurate due to lack of consistency among the CRA. 
Reason # 4 : Date last active is inaccurate Typiclly, I try and handle things with the CRA themselves, but XXXX has been difficult and given me a difficult time regarding these errors. Accounts needs to be delted for continuous inaccurate reporting. I have exhausted so muh MONEY and TIME in the process. I have mailed dispute after dispute, pointing out the inacuarcies and adding new information to substantiate my claim and have been giving the " run around ''. That time stops now. And this needs to be removed
Product: Checking or savings account

Wells Fargo Bank : XXXX XXXX XXXX Account Number XXXX Account was closed effectively Today. 
I did follow up with their XXXX XXXX XXXX advised to them regarding my financial hardship with my small business consulting services, and advised them our checking account was being used for our business revenues can not be closed as that is the checking account we used for Vendor Deposits ; We have a small lump sum funds I had been trying to withdrawal since XXXX of XXXX with Heightened Security Verification I call it Pin Numbers that can only be accessed via mail troubling when not home I was at the 2nd home in NM with a XXXX XXXX  and now required birth certificate we did not have, long processes of elective paperwork, direct deposit not an option only check by mail not until XX/XX/XXXX of XXXX ; I advised them of these issues beyond my control of these Identity Verification Processes and delays. The closing was mainly contributed to their Trickery Revenue generating games of charging unnecessary overdraft charges on checks that should of never been paid when all of my accounts were in the negative from service charges and payments paid but still these checks were paid. I had funds in there to cover monthly fees. I am in Tax Planning right now and located XXXX duplicate charge bank error and filed a dispute that I was charged twice for a software license that XXXX XXXX and Fraud Dept did not stop but I am declined for other smaller amounts because it exceeded my average dollar amount but did not stop these excessive larger alarming dollar charge. I find fault with both XXXX and XXXX. I filed a 2nd Dispute they declined the 1st Claim due to it was not on the same day which I rejected ; they should of delayed closing of my bank account due to the pending disputes. I inquired their protocol and no one knew of one. I am in tax planning and I require all years to be available to me as I am delayed in my tax planning due to family medical issues. XXXX needs to pay me for the XXXX they allowed to process, their Fraud Dept defaulted in their ability to protect my account from this 2nd Reoccurring charge. Merchant has been advised of their XXXX XXXX Practices and I will attach my email chain.
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 XXXX5 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX has violated my rights. Or a 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 a 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

15 USC1681 section 602 A. States I have rights to privacy 15 USC1681 section 604 A Section 2. it also a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 C. ( a ) ( 5 ) Section States : no copnsumer reporting agency make may consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes wich antedates the report by more than 7 years 15 USC 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 information is inaccurate. I received a letter from XXXX XXXXXXXX XXXX XXXX where they explain to me that my personal information was compromised on their system and they will pay a year free for XXXX that way I can check my credit report, I'm trying to find that letter but I missed but you can make communication with them and you will make sure some on toke my personal information amd I was seeing inquires on my credit report I never consent or allowed. Please check with XXXX XXXX
Product: Credit reporting or other personal consumer reports

IN XXXX XXXX  XXXX, ON MY EQUIFAX, XXXX AND XXXX CREDIT REPORT AN ACCOUNT NAME XXXX XXXX XXXX, HAS AN OUTSTANDING BALANCE OF {$2300.00}. 

IN XXXX OF XXXX, ON MY EQUIFAX, XXXX AND XXXX CREDIT REPORT AN ACCOUNT NAME XXXX XXXX XXXX, HAS AN OUTSTANDING BALANCE OF {$2200.00} IN XXXX OF XXXX, ON MY EQUIFAX, XXXX AND XXXX XXXX XXXX AN ACCOUNT NAME XXXX XXXX, HAS AN OUTSTANDING BALANCE OF {$3100.00}. 

IN XXXX OF XXXX ON MY EQUIFAX, XXXX AND XXXX CREDIT REPORT AN ACCOUNT NAME XXXX XXXX XXXX, HAS AN OUTSTANDING BALANCE OF {$920.00}. 

IN XXXX OF XXXX, ON MY EQUIFAX, XXXX, AND XXXX XXXX XXXX AN ACCOUNT NAME XXXX XXXX XXXX, HAS AN OUTSTANDING BALANCE OF {$880.00}, IN XXXX OF XXXX A BALANCE OF {$820.00}. 

I HAVE DISPUTED THESE ITEMS NUMBEROUS TIMES AND SENT SEVERAL DISPUTES. 

THESE COMPANIES ( EQUIFAX, XXXX AND XXXX ) IMPROPERLY OBTAINED AND USED MY CREDIT REPORT FOR PURPOSES NOT AUTHORIZED BY LAW. I DID NOT AUTHORIZE NEITHER OF THESE COMPANIES TO ACCESS MY CREDIT REPORT. THE UNAUTHORIZED USE OF MY CREDIT REPORT IS A SERIOUS VIOLATION OF MY PRIVACY RIGHTS AND THE FAIR CREDIT REPORTING ACT ( FCRA ).
Product: Credit reporting or other personal consumer reports

I DID NOT AUTORIZED NOR CONSENT TO ANY OF THE FOLLOWING ACCOUNTS OR INQUIRIES BEING ON MY CREDIT REPORT. I AM AWARE OF MY CONSUMER LAWS AS YOU ARE ABLE TO SEE BASED ON THE DOCUMENTS ATTACHED. I DEMAND THAT ALL ACCOUNTS THAT ARE NEGATIVELY AFFECTING MY CREDIT RATING AND VIOLATING MY CONSUMER RIGHTS BE REMOVED OR BLOCKED FROM MY CREDIT REPORT. 
I WILL PURSUE DAMAGES FOR EACH ACCOUNT THAT IS IN VIOLATION IF NOT UPDATED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX  {$510.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a derogatory mark on my XXXX credit report from IC Systems in XXXX XXXX, Minnesota regarding an XXXX XXXX XXXX XXXX account. This account is the responsibility of my ex-wife as documented in my divorce decree from 2016. A copy of the divorce decree was provided to both IC Systems and XXXX. However, they declined my request for removal of the derogatory remark. I am not legally responsible for this debt so there is no reason for my credit report to be affected by this account.
Product: Credit reporting or other personal consumer reports

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: Money transfer, virtual currency, or money service

I deposited a mobile check to my Credit Karma Spend account on XXXX and Credit Karma informed me my funds would be available XXXX. When I checked the app again it said my funds would be available at the earliest XXXX 

Never in my life have I heard of a bank taking 10 days to make check funds available. This is not a real financial situation. I called to have the check cancelled and my account closed and their customer service could not even locate my account which I had open while I was on the phone with them.
Product: Credit card or prepaid card

I cancelled a payment with Chase bank. The merchant, whom I paid in full, showed up XXXX XXXX days late, delivered the material, worked for 2 hours and left. The merchant contacted his bank, claiming that material was never returned. After providing Chase with a police report and 2 photos showing the return of the material with a police standby, it was determined by the Dispute Department at Chase that I had not provided substantial proof that the material had been returned. Therefore, I was charged {$2000.00}. I have talked with supervisors who will not talk me through the reasons for their determination. There is something amiss with this decision-I do not have the material ; I, along with my landlord, followed the letter of the law in the return of the material ; twice I provided irrefutable evidence of the return with photos of the police officers in the photos along with the accompanying police report stating that that material was returned. I need an agency with a louder voice to investigate this matter-please! 

I have taken the merchant to small claims court and I am awaiting a decision. However, I am not satisfied with the actions and determination by Chase and the suspicious outcome of this matter. 

Thank you in advance for your attention to this matter. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following accounts currently listed and showing on my XXXX and Equifax credit report are unauthorized, fraudulent and not my accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX