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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is my XXXX request to these companies. In XX/XX/XXXX In XX/XX/XXXX and now XX/XX/XXXX I have sent letters either requesting why erroneous information pertaining to accounts listed are listed on my profiles for XXXX XXXX Experian and XXXX XXXX ) Names. They have placed erroneous names for me such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  etc. My name is XXXX XXXX XXXX or XXXX XXXX XXXX. I am tired of sending copies of my id stating this. I dont know where these agencies got these names from My social is XXXX. I am shown to have socials ending in XXXX XXXX and other social security numbers. I have asked these to be removed more than once with no remedy. I have sent a copy of my social more than once They continue to show addresses not mine. My address for more than XXXX years is XXXX XXXX XXXX XXXX XXXX CA. XXXX. These agencies have XXXX different erroneous addresses for me which include family members addresses XXXX XXXX apartment buildings i have managed and other addresses not related to me. 

Addresses shown on reports which are not mine are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Why are these addresses on here and where did they come from XXXX XXXX 

I have requested an explanation of what the following alleged accounts and balances are for XXXX XXXX XXXXa complete audit trail XXXX XXXX XXXX documentation that shows i agreed to pay the debts listed XXXX XXXX XXXX XXXX XXXXwritten permission or agreements I have with these companies XXXX XXXX XXXX XXXX XXXXnotification to me XXXX days in advance advising me of the intent to put these negative information on my profile. I have no clue who most all of these companies are XXXX XXXX XXXX  what agreements i have with them XXXX XXXX XXXX XXXX  all of them show different amounts on each report XXXX XXXX XXXX XXXX  they have not responded to me reporting back the requests I have asked for. the companies on these reports for which i have requested info on my reports are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Inquiries I have no idea who these inquiries are and have never given permission or authorized them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone numbers that are not mine that are shown : XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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

My name is XXXX XXXX, and I checked my credit report via XXXX XXXX. Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX was removed from my credit report. I filed a dispute with Equifax on their website, and between XX/XX/XXXX and XX/XX/XXXX, they added the remark " charge off account '' to my credit report. Since Equifax did not notify me within five business days saying they were removing the account and then adding the account back on, I expect this account to be removed. The Fair Credit Reporting Act says that I as the consumer must be told if the information in my file has been used against me. Since I was not notified that this account was going to be added back on my credit report, I would like it permanently removed.
Product: Credit reporting or other personal consumer reports

In According with Fair Credit Reporting Act Account # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, address XXXX XXXX XXXX, SC XXXX. Has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have rights 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: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. BK OF AMER XXXX
Product: Debt collection

I got my credit report an seen things on my credit report that was not my doing I wrote the company & credit Bureau a few times and nothing happen the last time I wrote was XX/XX/XXXX an nothing still DIDNT happen its fraudulent activity on XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX open XX/XX/XXXX is not mine & the same account is said to be open on XXXX/XXXX/XXXX on equifax. First off the account is not minethen hows the same account open on 2 different dates that should raise red flags for a company as big as XXXX XXXX XXXX equfax then on XXXX XXXX it says last reported XX/XX/XXXX then last reported XX/XX/XXXX on equifax? Then it says date last active XX/XX/XXXX on XXXX XXXX? how was it last reported XX/XX/XXXX but last active XX/XX/XXXX a year earlier than it was last reported?? Can you please remove this off my credit report immediately please
Product: Credit reporting or other personal consumer reports

Incorrect Inquiries: 

XXXX XXXX XXXX XXXX XXXX XXXX

ADDRESS: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
EMPLOYERS:

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

I have managed my Bank of America credit card with excellent payment history, continually paying my balance in full each month. With zero notice, the bank closes my account and refuses to honor my {$16.00} in earned rewards dollars. I call customer service and account representatives offer no help. Bank of America offers no decency in making things right with consumer and is denying money that is owed to me. Horrid experience.
Product: Debt collection

I checked my credit score using the XXXX XXXX XXXX and saw that my XXXX score recently dropped due to the collection agency noted on credit karma as NATIONWIDE RECOVERY SYS opening an account on my credit report. This company has never reached out to me by mail, email, phone, or any other ways of communication to notify me of this supposed debt with them. If I had not checked my XXXX XXXX XXXX  score today, I would have never known this account was ever opened because this collection agency failed to properly notify me of it. Since they have never notified me about this debt in the first place, I never had a chance to dispute it at all before they decided to report it on my credit report, negatively effecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I realized that on my report their was inaccurate information being reported. The auto loan is from XXXX XXXX XXXX opened on XXXX of XXXX. I have reached out to the company to get removed but no luck. Please remove this fraudulent account!
Product: Mortgage

My home loan just recently got sold to Regions bank from XXXX. I contacted Regions bank to day to try and close / release my escrow account so I can pay my own taxes and so on. They told me that I need to pay a fee of XXXX XXXX of the home principle balance, that works out to just about {$500.00}. The bank I left and my loan terms do NOT state a fee to get out of the escrow account. I don't think it is right a bank charges a fee to close an escrow account. It is like they are penalizing for closing this and I don't see how a fee to do is legal and morally right as a consumer I feel this is wrong.
Product: Mortgage

I did a home refinance in XXXX of XXXX, I lost my job in XXXX of XXXX. We tried to keep up with the payments but couldn't. Tried numerous times to get help or s modification but kept getting the run around and never received any halo at all. They over qualified me for this loan to begin with now they filed foreclosure in XXXX and it was at that time we noticed there were forged documents in the closing documents. Nobody would listen so we have been fighting foreclosure since XXXX. The servicer won foreclosure in XXXX of this year XXXX. They said there was a sale on XX/XX/XXXX, which we were not notified of and the same lender is now the owner, doesn't sound right to me. We don't want to loose our home but this needs to be corrected somehow since it is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to XXXX, experian, and XXXX  about these 2 accounts for XXXX both show an account # of XXXX ... .Each time they state that they conducted a full investigation and that the reporting is verified as reporting 100 % accurately ... ..How is this even possible? see the 2 documents that i have attached..this was pulled today XX/XX/2020 and there are multiple violations and inaccuracies. First off neither say in the comments that these accounts are under dispute, secondly experian and XXXX  are reporting a new charge off ever single month this is killing my credit score ... ..the high credit limits are all reporting different amounts, terms are different, how are they reporting a past due and a balance on a " charged off '' account?, all 3 have different comments, all 3 have different date of last active, As you can see i have listed multiple violations which mean they did not conduct proper  investigations and are just pencil whipping their responses they need to be held accountable for these violations
Product: Payday loan, title loan, or personal loan

You did not offer the the question I really needed. I never did business with this company. At the time they stated I applied for the loan I was dealing with a sister that was XXXX of XXXX. On some of my credit reports they state I owe them over XXXX dollars and its a charge off. Then on other reports they are saying that they charged off a little over XXXX dollars. I am a victim of identity theft because a lady squatted in my house and stole my identity, including filing income taxes under me. This is a complete nightmare for me, and is really hindering my XXXX, because I am a XXXX XXXX XXXX veteran. I tried to move, and this came up on my report. I have a police report showing that this person squatted in my home. I need help because where I live right now is to dangerous. I also found out through research that this company goes under three different names. For example I went to a bank to start a savings account and she stated I owed them for a credit card, I stated I never had one with them and she for my address and she said that was not the address.
Product: Prepaid card

I had an issue with my account due to a duplicate transaction. The credit card company charged me an overdraft fee and assured me that it would be refunded once the dispute had been resolved. Once the dispute was resolved I noticed that the overdraft fee had not been refunded. I contacted Netspend to make them aware of the issue and both agents were rude and unhelpful. At one point of the call the representative told me that she would have to hang up because the call was taking too long. I then asked to speak to a supervisor for further assistance. Netspend is telling me that they refunded the money, but when I ask them to walk me through it they wo n't. The information I have online does not match what they have in their system. They claim credits have been issued to my account that I can not see. I do n't think that this is fair to me as the consumer, I also do n't like how the customer service reps treated me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts with the bureaus and have heard nothing. I filed disputes and saw no changes to credit, I got no letters and no correspondence. There are negative items on my account that need to be fixed. Please fix immediatley.
Product: Payday loan

On XXXX/XXXX/XXXX, I received an alert that I have a new collection activity on my credit file. I found that it was this company ( Midwest Recovery Systems ) that supposedly purchased this account from another debt collector. I contacted them and XXXX, the recovery specialist informed me that it came from a payday loan that was taken out in XXXX and that he did not have the original paperwork that I asked for. I told him that I wanted to dispute this, and he told me that it would stay on my file until it was paid in full. He did say that he could make payment arrangements in order to settle the debt, but the mark on my credit will stay for seven years. I am a XXXX veteran XXXX, and I do not have the type of money he is seeking for a debt that I have no knowledge of.
Product: Mortgage

In XXXX 2014 my mortgage company, Nationstar Mortgage LLC deducted XXXX mortgage payments from my checking account. I called them and told them I only authorized XXXX payment and to please refund XXXX payment back to me. On XXXX XXXX I was issued a check from Nationstar for {$1500.00}. I attempted to cash this check but Nationstar issued a stop payment on XXXX XXXX, 2014. I contacted them again and said since my next payment was coming due to just apply to the XXXX payment. This never happened nor do they acknowledge that the check was stopped from payment. I have been in contact with them for almost 2 years trying to resolve this issue. I was told my money was put towards principal instead of payment and that it would be corrected. My money was moved over XXXX times around my account. I am now in collections and owe over {$800.00} in late fees and still am getting the run around from their staff. I will attach a copy of the stop payment that they claim does not exist. I only want my account brought current, the fees taken away and my credit repaired as I have been paying high Intrest rates on car loans and such because of a poor credit score. Any help would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act FCRA section 605B it is illegal to report information on my credit report without my permission. Please remove this item from my credit report. Thank you
Product: Checking or savings account

I opened a business account on XX/XX/2021 at Chase bank. I deposited a check for {$17000.00} written out to my company. The funds should have been available within 10 days. The bank notified me on XX/XX/2021 that there was a discrepancy because the DBA I filed for the company in the area I live post dated the date the check was written. I sent them copies of my contractors license, link to state consumer affairs which showed me as one of the owners since XXXX this was not sufficient to them, so I asked that they close my account and return my check or funds, and that I would go elsewhere. This they did not do and for the next few weeks we emailed back and forth over ways to get to the bottom of this. it is now XX/XX/2021, I do not have my funds or check back, they have closed my account and I have no access. There is not a human being in any of their departments that seems to be able to get a coherent answer from.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Product: Vehicle loan or lease

US auto sales never told me they were shut down and never gave me the title to my vehicle. West lake portfolio has repossessed my vehicle which damaged my credit and has put me in a bad position.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I was notified that someone had used my name and social security number to take out Covid-EIDL loan from the Small Business Administration . I filed an FTC report as requested and attempted to enact a 7-year extended fraud alert with Equifax. I received multiple requests for identity verification, which I provided, but Equifax kept requesting additional information that didn't make sense. I called Equifax on XX/XX/XXXX and spoke to XXXX, who informed me that my FTC complaint that I forwarded to Equifax was " incomplete, '' but she could not tell me how it was incomplete. She referred me to the FTC, which could not tell me whether or how my report was incomplete. I have provided all information I have available. I do not know the amount of money from the SBA loan because I would have to pay for this information, although I did provide the loan number. It should not be this difficult to place an extended fraud alert when one has been the victim of identity theft, particularly when it could have resulted from data breaches of the very credit reporting companies involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit score recently plunged XXXX points when I checked it on XXXX. That site was unable to provide any information as to why this had happened. I visited my account on the Equifax website and it indicated that I had no outstanding accounts nor any credit history ... .yet the same site shows my 6 accounts and adequate credit history. I had this same problem with Equifax in XXXX of 2022 and it was resolved but without contact from them nor any explanation as to why it occurred. I am concerned because of Equifax 's horrible track record for data security and because correct credit scores are crucial in today 's consumer economy.
Product: Bank account or service

My Paypal account had fraudulent activity, XXXX unauthorized charges, on XXXX XXXX. I immediately disputed all XXXX with Paypal. They submitted all XXXX charges to my bank account sending it overdrawn with multiple overdraft fees. XXXX. Regardless, XXXX of the XXXX charges have been resolved in my favor and refunded. XX/XX/XXXX is still unresolved at Paypal, since XX/XX/XXXX, it 's now XX/XX/XXXX, and they say that it should have been " resolved in 10 business days ''. Repeated emails have not resolved this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my consumer credit report from Innovis in regards to incorrect information they are showing. This information does not show on any other credit reports from other credit reporting agencies. The account is from " XXXX XXXX XXXXXXXX XXXX XXXX'. I have written them to correct this issue and have ignored my request to correct the issue by removing that information from my credit report. I filed a FTC report and included all my identification and they have ignored me.
Product: Credit card

I was a victim of fraud on the XX/XX/year> and XX/XX/year>. At the time of these wires I had a lot of money in my checking accouts. I would not have overdrawn my account with these wires. I have proof that these fraudulent wires did not over draw my account ( see below ) I attached my bank online transactions from the account the money went into. you can see I clearly did not need the money Their letter states that because I had over draft protection and because these went into my own account that they are denying my claim. That is complete unfair. They should put all these back onto my credit card and take the fees off. I have banked with them for 21 years and never once did a credit card cash advance before. This letter is not right. I am a preferred rewards platinum member. I would have even had money from somewhere else if I were to over draw. They should not have done this to me. This is completely wrong. My phone was compromised as well as my bank account information. I have been a loyal client why would I need to take out these cash advances? I did not need the money. It does not make sense at all. I will attach the letter for their decision. But I feel like they are discriminating against me. I have never done these cash advances before and I did not even overdraw with the cash advances at the time. That's ridiculous. These people are trying to collect interest fro me because I never have to pay interest and I get a lot of cash rewards that I earn. This is so wrong I hope I can depend on you to help me. There was no overdraft on my linked deposit account! You can see the information above. Even if I did not hav e
Product: Debt collection

Paragon Revenue Group reported their unverified medical account to my credit file on XX/XX/2021 and XX/XX/2021. I have no idea how Paragon Revenue Group received my personal medical information. I have not agreed to do any business with Paragon Revenue Group, I have not received any goods or services from Paragon Revenue Group, nor am I responsible for their debt collection purchase from their alleged client. Paragon Revenue Group have violated my H.I.P.P.A. rights and are trying to collect on an alleged debt. 
Paragon Revenue Group are acting as attorneys violating the FDCPA attempting to collect on an alleged debt without providing any proof of service or goods.
Product: Vehicle loan or lease

I am writing to formally lodge a complaint against TD Auto Finance regarding the mismanagement of my account, which has led to significant negative impacts on my credit record, delayed account closure, and unnecessary stress and expense. 

Details of the Complaint : Account Number : XXXX Incident Date : XX/XX/XXXX Financial Institution : TD Auto Finance Product/Service : Auto Loan Summary of the Issue : On XX/XX/XXXX, TD Auto Finance negatively reported my account as 30 days past due, resulting in a significant reduction of my credit score. This action was taken despite my efforts to bring the account up to date, as evidenced by my payment of {$2000.00} on XX/XX/XXXX. Additionally, a payment of {$33000.00} was received on XX/XX/XXXX, which should have been sufficient to cover any outstanding balances. 
I have had multiple interactions with TD Auto Finance representatives to resolve this matter, including the following individuals : XXXX XXXX : Requested to be transferred to a supervisor but was instead transferred to another representative. 
XXXX XXXX : Informed me that no XXXX letter was sent or calls made to coordinate the final payoff of the vehicle. Submitted a request to discuss with a supervisor. 
XXXX XXXX : Displayed rude and aggressive behavior. 
XXXX XXXX : Disconnected the call unexpectedly, possibly hung up on me. 

I've requested numerous times to discuss this matter with a supervisor but have never received a call back. When asked if there's a notation of a supervisor attempting to reach me I've received inconsistent reports from the staff. In addition, I've received inconsistent reports from the staff regarding the timeline associated with notifying them that the vehicle was totaled and what the next steps were to manage this account. My requests for copies of the transcripts and recordings have gone unaddressed. My online account doesn't display any of the information that has been discussed with these phone reps, so there's no way to validate their statements. I've asked for online copies of the XXXX, but that hasn't been provided. TD Auto is eager to charge off the account and unwilling to assist in any way. I've been told the name of the supervisor is XXXX, but that has not been confirmed. The online account appears as though the account can be paid by XX/XX/XXXX, although by phone someone stated the account will be charged off XX/XX/XXXX, which is not indicated online ( screen shot attached ).