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

On the XXXX XX/XX/XXXX a fraudulent account was open at XXXX XXXX in XXXX Texas using my stolen identity. 
On the XXXX of XX/XX/XXXX, I reported this fraud to XXXX Fraud department. I was contacted by XXXX Fraud, who assured me that the fraud account would be closed and removed from the Credit reporting Agencies. 

On the XXXX XXXX I once notified XXXX XXXX and again requested this delinquent account be removed. 

I also wrote a letter to Trans union supplying both an affidavit, email correspondence from XXXX XXXX to substantiate my claim. 

Transunion has not investigated my dispute. XXXX XXXX has not notified Transunion of the fraud. Transunion sent me a " fraud kit ''. I did not request a Fraud kit, I disputed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was a victim of identity theft and my information was used to open numerous financial accounts under my name, one of those companies being XXXX. On XX/XX/XXXX a credit card was fraudulently opened under my name. I found out about the issue on XX/XX/XXXX. It took me awhile to understand the credit reporting industry and after learning what was needed to be done I filed a report with the federal trade commission and contacted every company where an account was opened under my name and every single one of them took the appropriate steps to remove the inaccurate information from my credit report except XXXX. Ive called them more than 10 times Ive mailed in letter more than 5 times and every time they refuse to remove the information without giving me a reason to why they could not.
Product: Credit card or prepaid card

XXXX XXXX helped me do my unemployment papers online where she got my information stole it And locked me out of my edd account then she has taken the money out of thebank of America and has reapplied and is fixing to receive more benefits I have been trying for 6 months to close the accounts and can not no one will help me or even believe me the bank of America will not stop issuing a card to her at an address that is not mine and I can not even file a claim on the money she stole
Product: Debt collection

XXXX and XXXX reporting a debt in the amount of {$96.00} from Credit Control Corps, in regards to XXXX XXXX XXXX. Date of debt is XX/XX/2019. I had XXXX through the state of Virginia and also XXXX insurance 2019 to current. 15 U.S.C. 1681, 15 U.S.C. 1681 section 602 A, and 15 U.S.C. 1681 section 604 A Section 2.
Product: Mortgage

I have repeatedly tried to correct an issue with Wells Fargo Home Mortgage about an escrow balance discrepancy. They dont seem to be willing to correct the problem. Every response has been inaccurate and has been handled by people that only call and give me lip service and wont answer any questions and dont know what they are talking about. I have no need to waste my time with someone that isnt qualified to answer questions in an intelligent manner. 

On XX/XX/XXXX they mailed out their most recent response to this issue, still saying that there is an escrow shortage. They try to spell it out line for line and in doing so they make the statement The Seller paid {$3000.00} in property taxes.

Then they attach a closing statement from the closing on the house to this letter. Where on page 3 of 5 under Summaries of Transactions, Sellers Transactions, Due from seller at closing, Adjustments for items unpaid by seller, on line item 15, it reads County Taxes XX/XX/XXXX to XX/XX/XXXX and then says the selller adjustment was {$3300.00}. 

That means that they think the Seller paid {$3000.00} when the Seller really paid {$3300.00} or a difference of {$360.00} which is pretty close to the amount of shortage that we are talking about here. 

Now when I pointed this out to the person handling this issue over the phone they responded to me It says Unpaid by Seller meaning the Seller didnt pay me for that. Are you kidding me? Is this the caliber of people that you have trying to fix this issue? I couldnt even explain that it mean t that the seller had not paid the taxes and that money was being deducted from his portion of the proceeds so some crooked escrow people could get their hands on it send up a smoke screen and set up some mirrors and just pay part of it for taxes owed? 

Who will make these people get in line? How can they be fined or cited for shady practices? Is this what its come to since they passed laws about padding escrow accounts so now they don it like this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with XXXX XXXX. In XX/XX/2019 my insurance company totaled the car out and paid them {$7700.00} leaving a balance of {$2900.00}. I have been trying to get them to update the credit reports as they are reporting the wrong information. We nor XXXX XXXX own the car any more the Insurance company does. So this needs to be corrected. Please report the correct information to the credit reports.
Product: Money transfer, virtual currency, or money service

I attended a presentation by XXXX XXXX on XXXX XXXX. They asked me to fill out a piece of paper they called a " credit application '', and applied for a Promissory Note in my name. I did not authorize XXXX XXXX to do this. I did not know who or what " Upstart " was. I had No paperwork of any kind or a phone number with information from Upstart. I received a direct deposit in to my personal checking account on XX/XX/XXXX. Upstart deposited this money into my account. I still had No information from Upstart. On XX/XX/XXXX, I contacted the Attorney General 's XXXX XXXX XXXX XXXX XXXX XXXX and filed a complaint against Release Consulting and Upstart. XXXX XXXX was my advisor. She contacted Upstart on or about XXXX XXXX. I did not hear any thing about this from the XXXX XXXX or Upstart until late XXXX. XXXX XXXX had retired in XXXX. In late XXXX I again contacted The Atty. XXXX XXXX, XXXX XXXX XXXX, gave me information to contact Upstart. On XXXX XXXX after contacting Upstart, after speaking with 6 Upstart employees, XXXX XXXX in their ID Theft department agreed to send me paperwork submitted by Release Consulting on me. I discovered my " loan through, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX New Jersey. I have never had any contact with these people. I also discovered XXXX XXXX originally applied for the loan in my name for, {$28000.00}.. i presently owe in excess of $ XXXX filed a ID Theft report on XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in the past 2 years i tried to fix my credit. i had some delinquent accounts. i contacted all of them and asked if i could make a payment for less but they would except it as payment in full and would ask the credit agency to remove them from my credit report. all agreed to do so. to my surprise i found out there were 4 companies who didn't do as they agreed to do after paid. ( i owed about 12 companies ) i than contacted each of the 4 of them with no success of having these negative accounts being removed after they agreed to do so. it was a bait and switch tell me anything to get paid and then not do what you said. i am at wits end. I don't know where to turn that's why im contacting you. The name of the companies are Barclays Bank partial acc # XXXX, XXXX XXXX partial acc # XXXX, XXXXXXXX XXXX XXXX acc # XXXX, XXXX XXXX XXXX partial acc # XXXX. i would appreciate any help you can give me in removing these items. Also there are 3 self reporting items that should be removed they are on my report and shouldn't be, as i just wouldn't allow a company into my bank account anymore to see that they are paid as i didn't feel comfortable with a credit company in my account
Product: Credit reporting or other personal consumer reports

I am writing to complaint to NOWCOM/WESTLAKE FINANC about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights
Product: Credit card

Complaint against Barclaycard XXXX XXXX advantage plus. My credit card had been locked up and not been utilized for an extended period of time. Barclays charged me an annual fee. They sent so many spam emails over the year to my email address against my wishes that I put their address in spam. I had not been utilizing the card for over a year and when the annual bill to have their card came in it when into spam. As a result I did not finally realize that their annual fee until my experian report showed a credit score drop, upon discovery I paid the annual fee and all penalties w/o hesitation. I then asked for an adjustment to my account to fix the damage they had caused to my credit as a result of their actions and negligent spamming my account with offers. Additionally I never received any type of call or written statement notifying me of a late payment. They denied my request and this complaint is a result of their poor customer service to result and repair the situation that they are also negligent in causing..
Product: Credit reporting or other personal consumer reports

These inquiries are unrelated to me, and I have no affiliation with the creditors provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company I'm reporting is XXXX XXXX XXXX XXXX. They report people 's driving history to the auto insurance companies. 

The problem I'm having is that they are reporting an accident I had on XXXX incorrectly. They are reporting it as an " At fault '' accident, when it should have been reported as a " Not at Fault '' accident. 

Sometime during XX/XX/XXXX I discovered the accident was reported as an " At fault '' accident through an insurance agent who was giving me a quote. She explained to me that was the reason why the premiums were so high and recommended that I should contact LexisNexis. On XX/XX/XXXX I wrote them a letter explaining the situation, and sent documentation to show that the accident was not my fault. At that time I was insured by XXXX XXXX, so I provided them with a letter from the insurance company 's Claims Department and the police report. They sent me a letter on XX/XX/XXXX saying they corrected the record. They did not. I am attaching a recent quote from XXXX XXXX XXXX that shows it's still reported as an " At fault '' accident more than two years after they claim they corrected the record. This has cost me hundreds if not thousands of dollards during the past three years for outrageously high insurance premiums. I need your help to finally resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit companies, Equifax and XXXX are not complying with their own policies in a timely manner. XXXX has reinserted a account that was removed off my credit report under a different name called XXXX collection services this from XXXX XXXX
Product: Checking or savings account

Tcf bank,,, i had XXXX in my checking account i purchased a item for XXXX i was debit XXXX the bank charged me 6 overdraft fees at XXXX each for a total of XXXX because previous charges started posting to my account from merchants but the money was allready deducted from my checking account from the the bank itself, why am i being charged fees for items that are posting but allreay being withheld from me this is a serious act of fraud by the bank and needs to be addressed immediatly.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan to pay for a car repair that totaled {$1900.00} for a 90 day period to avoid paying additional fees and interest. However, I signed an agreement to pay {$180.00} bimonthly thinking it was for 90 days. I was late for work the day I signed the agreement not doing the calculations nor reading the entire contract agreement. The bimonthly payment should have been for around {$340.00} bimonthly to pay off the loan. The agreement I signed had the {$180.00} payment and not the {$340.00} to pay off the 90 day loan. Now, I am being charged an additional {$3100.00} on the loan that was only for {$1900.00} because I missed the XX/XX/year> deadline to pay off the entire {$1900.00} Please help me come to a reasonable settlement with this company.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card company was sold and changed owners, and also switched payment platforms. 

I was on auto-pay and the company never notified me of the changes that were going to be made and caused a late payment. 

I have been trying to speak with someone but everyone I get on the phone tells me that they will not help me. 

Terrible company and worse service!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE 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 Original Creditor : XXXX XXXX AP XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I mailed certified letters to Transunion requesting proof of debt that they are reporting about me. The letters requested that they provide proof of debt via documentation bearing my signature proving my debt. As of XX/XX/2023 more than XXXX  days later Transunion still has not provided proof of debt with documentation bearing my signature. I am well with my rights in requesting this information according to the FCRA. ( Fair Credit Reporting Act )
Product: Credit reporting or other personal consumer reports

I recently applied for an auto loan and was told that XXXX is reporting 3 loan amounts. I had two parent plus loan consolidated into a direct loan. XXXX completed XX/XX/year>. XXXX is still listing the two previous parent plus loans as active instead of paid/closed. This has affected my credit score for over 5 months and it is unjust and unfair that this mishap is the result of XXXX moving to a new platform and not reporting correcty. I am very concerned. I have called XXXX to have this rectified and was told they will reach out to the 3 reporting credit bureaus. They also asked me to reach out and I feel that it is their responsibility to correct this. Meanwhile, I have a tanked XXXX  score and unable to obtain a reasonable interest rate loan to buy a vehicle.my scores need to reflect my good faith 100 percent payments made on time for everything and show that my debt to income ratio is accurate.
Product: Debt collection

I received a letter ( XX/XX/XXXX ) from a collection agency on a credit card judgement filed through the Second Judicial District Court of Utah on XX/XX/XXXX, Case no. XXXX for {$4000.00}. I declared Chapter XXXX Bankruptcy through the Federal Bankruptcy Court in XXXX XXXX XXXX, Utah ( Case no. XXXX ) on XX/XX/XXXX, and the bankruptcy was discharged onXX/XX/XXXX. This is an illegal attempt to collect this debt, as it was discharged in the above referenced bankruptcy, and the statute of limitations ( 5 years ) has passed. The information on the collection agency is as follows : XXXX XXXX XXXX  being represented by XXXX XXXX XXXX, ( A # XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, UT XXXX, ( XXXX   ) XXXX or ( XXXX ) XXXX, XXXX. I called XXXX XXXX onXX/XX/XXXX and left a voicemail message demanding that they cease and desist their collection efforts on this debt because it was discharged in the above referenced bankruptcy and the statute of limitations had well since passed ; and that any attempted to collect on a debt under these conditions is illegal.
Product: Credit card or prepaid card

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2019 with a balance of {$43000.00} which I did not make. I have filed this to the police and they advised me to submit a dispute.
Product: Credit reporting or other personal consumer reports

I RECEIVED A ALERT FROM MY CREDIT MONITORING SYSTEM THAT SOMEONE HAD APPLIED FOR LINES OF CREDIT. I DID NOT APPLY FOR ANYTHING NOR DO I HAVE ANY AFFILIATION WITH THE CREDITORS. I CONTACTED THE CREDIT REPORTING AGENCIES IN XX/XX/year>, NOTIFYING THEM OF THE FRAUDULENT INQUIRIES. I SPOKE WITH REPRESENTATIVES IN THE FRAUD DEPARTMENT THAT ASSURED ME THIS WOULD BE RESOLVED. I ALSO CONTACTED EACH CREDIT BUREAU VIA CERTIFIED MAIL. I OBTAINED A NEW COPY OF MY CREDIT REPORT AND NOTICED INQUIRIES THAT I HAVE NOT AUTHORIZED ARE STILL REPORTING. THESE INQUIRIES HAVE IMPACTED MY CREDIT. 

I HAVE NOT GIVEN MY PERMISSION OF ANY OF THIS INFORMATION TO BE REPORTED TO CONSUMER PROFILE WHICH IS IN VIOLATION OF 15 USC 1681.

FURNISHING INFORMATION TO MY CREDIT REPORT IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I HAVE NOT APPLIED FOR ANY LINES OF CREDIT WITH MENTIONED CREDITORS
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are reporting late as reported in my 3 Credit bureaus. These accounts should not be showing the current status of 30 and 60 days late since its already been paid for. It seems impossible to accrue late on an accounts that has already been paid. Please report the payment status positive and update all late from reporting on these accounts. 
XXXX XXXX XXXX Date Opened : XX/XX/2022 Balance Owed : {$300.00}, XXXX XXXX Date Opened : XX/XX/2022 Balance Owed : {$440.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year> experian sent me an email indicating that they are ignoring the evidence and complaint that i sent them and they will continue to break the law, continue to ignore federal and state law. I made them aware of fraudulent and inaccurate information on my credit report. instead of removing the fraudulent information from my report they contacted the entities or individuals that have obtained access to my credit report fraudulently and illegally, failed to provide any documentation, disclosures, dates, names or any documentation showing that i gave them consent to obtain access to my credit report which is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this awas negative charge off on my credit report. These are disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account with XXXX XXXX XXXX for repossession is reporting inaccurate information. I have a right to an accurate credit report by law.

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

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I had many over draft charges by wells fargo.for over 12 yrs.maiden name XXXX XXXX
Product: Money transfer, virtual currency, or money service

I brought a check from the irs of {$200000.00} on XX/XX/23 the banker told me that my money will be available on XX/XX/23 .But when I went home I had to add my sisters account so that I can transfer her some money. I dont see anything wrong with me transferring money to my sister .So when I got to the bank in the money cause I had to withdraw and make a cashiers check .While the block my account. I waited 2 hours .The bank unlawfully started questioning me .They said because of your age and the money of money and Im a XXXX XXXX. I know it was quick that I wanted to get the money but its mine money .They cleared the check with the IRS.Once the IRS cleared it thats why they made it available.The check is 100 % legit I called the IRS they said its already cleared .And today after a trip to the bank my account was overdrawn cause they reversed my check after I even withdrew from the cashier that afternoon.Navy Federal staff are practicing discrimination and unlawfully using their judgement instead of using the law.