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

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXCAPITAL ONE XXXX ... KOHLS DEPARTMENT STORE XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

I AM BEING CHARGED FOR INSURANCE COVERAGE THAT I DO NOT OWE. MY POLICY WAS A PREPAID POLICY AND I CANCELED MY COVERAGE AT THE END OF THE TERM. YET XXXX IS BILLING ME FOR COVERAGE THAT I DID NOT HAVE NOR AGREED TO EXTEND. THEY HAVE SINCE SOLD THE DEBT TO A COLLECTION COMPANY ( CAINE & WIENER CO. ) THAT IS REPORTING IT AS UNPAID AND IS COMPROMISING MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continue to violate the FCRA with XXXX account XXXX. Date last active has been Re-aged. This account has been Re-aged from XXXX to XXXX. Re-aged account is a very serious violation of the Fair Credit Reporting Act requirements. This account also has multiple inconsistency reported by Equifax. Inconsistent reporting is a violation of the FCRA. I have circled and highlighted the R-aged account and multiple inconsistent reporting by Equifax. This violation Re-aged account and inconsistent reporting by Equifax has injury and harm my ability to obtain financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a loan with cnac_XXXX on XX/XX/XXXX and I have recent inquiries only credit dated XX/XX/XXXX and XX/XX/XXXX I need those removed off my credit report being that I did not authorize this company to pull my credit report after XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan through XXXX XXXX XXXX taken out by someone who was not me! Accounts can be check I never received this loan my identity was stolen to apply for this loan.
Product: Checking or savings account

My debit card and credit card was stolen, I disputed all the charges but South State Bank claims to not be able to credit me for {$480.00} because they have supporting evidence as to why I cant be credited claiming it to not have been a mistake. When I called a few days after I had disputed the charges to get an update, the man on the phone told me that the investigation was closed and he would have an amount credited to me soon but didnt tell me the amount, when I went in he told me they were still investigating and I could only be credited {$470.00} and {$810.00} but not the {$480.00}. I requested the evidence as to why I wasnt receiving all my money and he told me it would be mailed to me and I could call the number listed on the paper for some answers. In the mail I received the same paper that I received from the bank that just had the list of charges that they wont credit me for and when I called the number listed on the papers I received, they said they could not help me or give me any information. Ive been calling and speaking to different people from the bank for over a week and most recently I was told that I would have to physically go into each place that the charges came from and dispute them there which I have no idea where to even go being that it was not me who made the payments I have spoken to several individuals w in my bank and customer service and have also gone into the bank twice and no one has any evidence nor any information on why the money isnt credited back to me or what I could do or who I could speak with in order to get the rest of my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already reached out once my 2ND ATTEMPT - Equifax about the following accounts : 1. XXXX XXXX XXXX - {$450.00}. These accounts do not belong to me. 

2.XXXX XXXX XXXX {$12000.00} account does not belong to me. 

Received notification that these accounts were verified but I have not received any VALIDATION SHOWING THAT THESE ACCOUNTS BELONG TO ME- - According to the : Fair Debt Collection Practices Act -Section 809. Validation of debts : I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account ( s ) listed above. Under the FCRA, unverified, invalid accounts must be removed. 

Equifax reporting Unverified documentation!!
Product: Mortgage

I filed for XXXX XXXX bankruptcy a few years ago, I think XXXX. What I understood at the time was the pre-petition amount I owed on my mortgage was supposed to be in my plan along with my vehicle and the attorney fee ; the post-petitiin amount I was supposed to take care of myself. 

I attempted a loan modification which was not handled properly by the lender as they sent me documents that were already expired and refused to correct and resend. The terms were also not reasonable or even conducive to me keeping my home, I denied it. When I made an additional payment, the lender treated it like a regular payment rather than put it toward the post-petition arrears. The lender informed me that it was up to them how any payments were applied. They blocked me from paying online which is of course faster and easier. When I changed insurance companies, the lender recalculated my mortgage payment and that is the amount I have been paying. The lender or anyone else ever told me the post-petition amount wasn't included in that recalculation so essentially, no funds have been going to that amount of arrears. They also reported to my bankruptcy attorney that I missed a payment that I provided my bank statement showing that I made. I did apply for forbearance in XXXX because I was only received part time pay from my previous job due to covid, I did XXXX XXXX payment under that plan. I applied for the XXXX XXXX XXXX XXXXXXXX due to the financial strain that had been caused by covid because I was reduced to part time pay for 10 months, and got approved in XXXX this year. As of today, the mortgage company has not provided the necessary information to Dept of Community Services in order to receive the grant toward my mortgage. 

After paying into the bankruptcy plan since it began, the only thing payed in full is the attorney. The plan just began making payments to my prepetition mortgage amount this year and because of the difficulty with how my extra payments were to be applied, the post-petition amount hasn't been payed off either. 

The lender is now petitioning to remove the stay of protection of the bankruptcy in order to foreclose on my house. 

I do not feel this situation to be fair to me by neither the lender or the bankruptcy. The situation is much worse now even though I have been paying into the plan and making the current mortgage payment. I'll admit my financial struggles have not improved and the bankruptcy is in XXXX although I've done everything I can to get above water because now it is danger of being dismissed. 

Despite my XXXX and worsening medical problems due to the prolonged stress of this situation, I am working full time and looking for a second job to try and pay more towards whatever I can to fix it. Thinking the XXXX XXXX was going to help and trusting the lender to help was a mistake, everything is just worse now. 

I need help to figure this out, the bankruptcy was supposed to help me and it hasn't. The HAF could help me but the lender won't let it. This is all just wrong and unfair and I need help. Please.
Product: Credit card or prepaid card

XXXX has an account under my name for which I did not opened. Called TD Bank ( card issuer ) and they have an opened account for a CC in my name. I have never opened a credit card account with TD Bank so I am assuming that my identity has been fraudulent used for this credit card. Who ever has this card has accumulated almost {$4000.00} in less than 3 months. The number on the account : XXXX XXXX XXXX XXXX. 
MY NAME : XXXX XXXX SS # XXXX ADDRS : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX FL XXXX PHONE : XXXX XXXX XXXX Thank you
Product: Bank account or service

On Monday, XXXX XXXX, I had a positive bank balance ( PNC bank, State College PA branch ). I also had a deposit that day of {$140.00}. I could see the deposit in my account on Monday. The very next day, I was charged falsely XXXX " overdraft '' fees totaling {$72.00} even though I had money in the account! They " posted '' my deposit immediately after the XXXX fake overdraft fees. This timing was clearly intentional and predatory. The local branch and customer service refused to refund the overdraft fees even though it 's obvious that the charges were predatory and opportunistic. There was enough money in the account to cover the checks!!
Product: Mortgage

My Loan is with Carrington Mortgage. # XXXX. 
I have owned my home for XXXX years, since XX/XX/XXXX. When it got sold to XXXX I have had nothing but horrible service. I got behind a couple months on my mortgage due to starting a new job, and going thru a divorce. My mortgage used to be : {$760.00}. 
I paid XXXX XX/XX/XXXX, not a full payment on XX/XX/XXXX ( I paid XXXX ), On XX/XX/XXXX, I paid XXXX, on XX/XX/XXXX, I paid XXXX, on On XX/XX/XXXX I paid XXXX, On XX/XX/XXXX I paid TWO payments of XXXX to 'get caught up ' and on XX/XX/XXXX I paid XXXX for XXXX thinking THAT CATCHES ME UP. Nope it still didn't. Oh and by the way, they raised me to XXXX from XXXX stating that it was because I needed a bigger escrow cushion due to me being late before. I paid XXXX on XX/XX/XXXX, and paid ONLINE for XXXX of {$920.00} ( to include a late fee ) and they said I 'was one number off on my acct number so they never took it ) that is not true because I don't even enter my acct. number each time I pay, its SAVED!! I didn't know the bank didn't take it either until I went to pay XXXX XXXX for XXXX and find out I am now 2 mths behind and they tell me I have incurrec {$400.00} in late fees!! This is so fraudulent on so many levels. I also got a letter from them yesterday called " intent to foreclosure. ' saying they will only take XXXX and nothing less and it has to be paid in 30 days from the date of the letter or they are taking my home. Which I know has been their intent since they bought my mortgage. XXXX of the XXXX is late fees ... I should be able to pay my XXXX but they are not allowing me to. I am beyond upset. I have about 2 mths left until my divorce is final and this is all so stressful. I can't lose my house over this.
Product: Credit reporting

EXPERIAN fails to remove the XXXX XXXX XXXX account. EXPERIAN reports incorrectly that this account has a credit limit of {$64000.00}. EXPERIAN reports incorrectly that this account is revolving. EXPERIAN reports incorrectly that this account has a past due amount of {$60000.00}. EXPERIAN continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Checking or savings account

To make it perfectly clear, I do not have an account at SoFi Bank, do not want an account at SoFi Bank, do not intend to do business with SoFi Bank. Nonetheless, SoFi Bank permitted fraudsters to steal my identity, open an account ( or accounts? ) in my name, and has failed to respond to any of my correspondence on the matter. 

SoFi Bank permitted {$11000.00} in fraudulent checks and more than {$17000.00} in fraudulent credit card charges of which I am aware. Perhaps there was more, I do not know. 

My actual bank, XXXX XXXX, replaced the stolen money in my account and canceled the credit cards and charges. 

Let me be clear on this : At no time were my checks, my ATM card, or my credit cards out of my possession. But, of course, I have been forced to upend my banking life and change every account number as a result of this massive fraud. 

I know I am not going to get back the time I spent resolving this matter and nothing is going to make up for the angst I felt. 

What I want is for SoFi to acknowledge its role in this fraud, to close all the fraudulent accounts, and to make sure this does not happen again. 

I have enclosed a copy of an email I received today purporting to be an account statement. I did not attempt to call anything up. SoFi shows its disdain by requiring an account number to reach a human for help. I cant provide an account number because I do not have an account, at least not a legitimate one.
Product: Payday loan, title loan, or personal loan

XXXXapplied for a personal and received a call from a loan specialist. He stated he needed more information to ensure the loan will be approved. He then called back stating he was still working on my loan and that he wanted to perform a cash credit booster to y score and I asked him to explain the process too me. He stated he would be making a one time deposit into my account and I would need to forward that money to him before they would provide me with the funds that I was approved for. I was reluctant and said ok go ahead and make the deposit. Then I received an email from XXXX  XXXX support stating they had received my dispute and that all was under investigation. The loan officer continued to call Even after I blocked him and all the additional numbers he was calling from. I then noticed I couldn't access my account due to password being changed. He had reversed a {$330.00} water bill payment and a {$180.00} XXXX payment and 7 return check fees totaling {$760.00} which in turn interefered with me making it to see my landlord on time and now I am evicted and told to vacate premises by XX/XX/21 due to owing landlord {$920.00}.
Product: Checking or savings account

I sent someone {$2500.00} through my capital one bank account 's XXXX extension, and the money has disappeared. I sent the money on XX/XX/XXXX, and the person showed me a screenshot of the amount pending in her bank account a couple of days later. The same person then contacted me again a few days after that and let me know that the money had disappeared entirely, and she sent her statement as proof. If I dont have the money and she doesnt have the money, then where did it go???? I have attached screenshots of everything I am referencing. 

Anyways, I called my bank, and, when I spoke with the initial bank representative and informed her about the issue, she said that she put a stop payment on the transaction. This means that I should have the money back in my account. It is okay if they want to conduct an independent investigation outside of that to try and figure out why what happened has happened ; however, they are ripping me off for {$2500.00} and refusing to honor what they said they did. 

Again : a STOP PAYMENT was put to the transaction ( that's what I was told by their representative ), so the money should be back in my bank account. I want them to put {$2500.00} in my bank account immediately. The bank will have the call that I am referring to recorded and stored. I want my money. 

This is a lot of money to me. It is tuition money. It is a deposit for rent so that I can have shelter and not be homeless. I am a XXXX struggling to make it here in XXXX  and these wealthy financial institutions are taking advantage of me. {$2500.00} is nothing to them, yet, to me, it represents my ability to not be homeless, my ability to feed myself, my ability to pursue a higher education. And they could care less. They are greedy and corrupt and have stolen my money. 

And, again, they said they put a stop payment to the transaction. Even if that lady misspoke or was unable to do so, she did not indicate it. She did not say " I will put a stop payment to the transaction ''. She did not say " I'll try to put a stop payment to the transaction. '' No. She said : " I put a stop payment to the transaction. '' If a mattress store puts an ad in the paper and advertises an {$800.00} mattress mistakenly at {$80.00}, they are required to honor the listed deal. I expect this bank to honor their word. Period. I want my money back now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX closed accounts need to be removed XXXX XXXX  of XXXX closed on XX/XX/XXXX tower loan closed account remove account XXXX closed accounts auto loan XXXX XXXX ( it was removed from XXXX i need it removed from XXXX and experian asap ) XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX inquiries XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX experian closed accounts XXXX XXXX remove account XXXX  XXXX XXXX  close account XXXX XXXX XXXX XXXX XXXX XXXX experian inquiries remove all inquiries XXXX XXXX XXXX XXXX XXXX this
Product: Mortgage

I have been battling this unverified and inaccurate account for awhile now and this haven't been proven whatsoever. The information across the reporting bureaus are different from each other implying that this account have different values and information.
Product: Checking or savings account

XX/XX/XXXX and XXXX, someone hacked my chime account and wrecked up {$980.00} in numerous charges in XXXX XXXX and XXXX Florida. They stole {$1200.00} from my account and transferred it to someone with the telephone number XXXX in three increments for {$400.00}. Chime reimbursed me for that {$1200.00} but continued to deny my dispute on the other charges. 
I filed two police reports in XXXX XXXX ( XXXX number XXXX ) and XXXX ( XXXX number XXXX ). I sent those to chime. Chime denied me again. 
The fraudster also took a {$400.00} loan out through my chime account. Chime refuses to acknowledge that. I have filed disputes with the three major credit bureaus.
Product: Debt collection

National credit adjusters trying to collect something I don't owe I have no knowledge of this account please remove
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the unresolved late open account listed on my credit report and to request immediate action to correct this inaccuracy. Despite numerous attempts to rectify this issue, the late open account remains on my credit report, negatively impacting my creditworthiness and financial standing. 

Since discovering this inaccuracy, I have made multiple attempts to have the late open account corrected. I have contacted your customer service representatives, submitted formal disputes, and provided supporting documentation to prove that this entry is erroneous. However, despite my persistent efforts, the late open account remains unresolved on my credit report. 

The continued presence of this inaccuracy on my credit report undermines my ability to access credit and financial opportunities. As a responsible consumer, I find it unacceptable to be unfairly penalized for inaccuracies that do not reflect my credit behavior accurately. 

Furthermore, the lack of progress and communication regarding the status of my dispute only adds to my frustration and erodes my trust in your institution. I have not received any updates or explanations regarding the reasons for the delay in resolving this matter, leaving me feeling disregarded and powerless in correcting the inaccuracies on my credit report. 

I demand immediate action to investigate and rectify this situation by correcting the late open account on my credit report without further delay. Additionally, I expect transparent communication and regular updates regarding the steps being taken to address this matter. 

I trust that you will take this matter seriously and prioritize its resolution to avoid any further escalation. Please acknowledge receipt of this complaint and provide assurance that immediate action will be taken to address my concerns. With this, I am asking for your assisstance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$33000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my my credit report. It has been well over 30 days and I have not received any investigation reports. This creditor has reported a late payment XX/XX/XXXX to my report which is incorrect and I am asking this be deleted immediately. 

Barclays- late payment XX/XX/XXXX XXXX XXXX late payment XX/XX/XXXX XXXX
Product: Mortgage

They tried to collect on this loan after 16 years. I was told legally that we did not owe this and that we did owe.. I am so confused about this. I filed a bankruptcy 16 years ago and it was settled in court. Since then XXXX, Michigan in XXXX XXXX took over the house for 3 years and I went to court to get it back. How can they collect monies when they have been paid and this loan has transferred several times?
Product: Payday loan

This is in followup to case XXXX. 

I sent a message to Big Picture Loans revoking ACH authorization and they did not accept this. They still withdrew money from my account. How do I get them to accept this? I also firmly believe that this is predatory lending at his finest and is illegal. They should credit my balance as payment in full completed.
Product: Money transfer, virtual currency, or money service

In XXXX or XXXX I can't recall the exact date but I got scammed for a puppy I didn't receive or get anything from and I notified chase and they said sorry your moneys gone. I wan na say I sent $ XXXX
Product: Debt collection

It has reappeared after the balance was settled prior to XX/XX/XXXX. It was already satisfied in XX/XX/XXXX and was never {$200.00} that some fake inflation. It went into collections in XXXX XXXX and never went above $ XXXX-XXXX. This is against FCR Act protocol and the Virtuoso Company should be penalized for excess coercion.
Product: Debt collection

This is not my debt. I never received anything in regards to this. The amount is XXXX that is listed on my credit report. I have tried contacting this company and they have not provided anything showing that this belo gs to me.