23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

The following charges appeared on my account : {$2900.00} - XX/XX/2021 {$4200.00} - XX/XX/2021 {$1400.00} - XX/XX/2021 {$95.00} - XX/XX/2021 {$70.00} - XX/XX/2021 {$17.00} - XX/XX/2021 I reported these fraudulent charges to the company, and they reported that they believed the charges were valid. I requested rights to evidence used during the investigation on XX/XX/XXXX, as well as the opportunity to speak with the investigator. I have not received this information, and I have not been given the opportunity to speak to the investigator. Furthermore, they will not give me the phone number of the investigator, and they ask me to leave a phone number, which the investigator will call back, but he or she never does.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report agency has allowed companys to violate the fair credit act by reporting erroneous and non consistent data for over 3 years violating my rights as a consumer. 
I have fought with the bureaus and the company to explain the account balance wasnt showing correct amounts and skipped several months with me paying but the balance never decreased. The attached shows from XX/XX/2019 to XX/XX/XXXX only a slight decrease as if I wasnt paying. However i have bank statemnts from that timw period that i was paying consiatenly. Also when I wrote to them explaining and providing proof of Covid documentation explaining why I was late in a separate incident they still claim I was late but never changed any of that information. Later when I brought to their attention my balance was still incorrect they only changed the information to benefit them and never removed any late payments only trying to cover up the balance mistakes. However affecting my credit score tremndoulsy by having erroneous data reported differently to all credit bureaus for years and excuseable medical documentation ignored. All extra payments to them was never paid to my principal and never documented correctly. They have violated my rights as a consumer. Sharing erroneous information to creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account for Wells Fargo was paid off and closed! I have not had an account with them since.My account somehow is still open and still current.I closed my account and paid my fees and haven't dealt with Wells Fargo since.Account was open in XXXX and closed in XXXX.
Product: Credit reporting or other personal consumer reports

telling to send information about personal information which I was asking them to send to me.
Product: Credit card

A fraudulent action on my wisely account occured and I filed a dispute in return they denied the action and claimed they went into a investigation with the XXXX XXXX XXXX. Which if they did they would have seen that I was not the one who took the money out of my account. I filed a police report and still had trouble finding anyone who would help me get my pay check back to me which was the amount of {$330.00}. It hurt me financially and had to struggle for months because I couldn't get my money I worked hard for returned. They claim as well to insure you in case of this incident through 5th party FDIC. Still I have not been approved to have my hard earned money back to me. I hope someone can give me help and answers to get this issue resolved and the rightfully earned money I worked for back into my pocket thank you.
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to find inaccurate accounts on my credit report, and I have no idea how they got there. I check my report regularly, and out of nowhere, these discrepancies appeared. I even tried refreshing my browser, hoping it was just a glitch, but the errors remained. Its frustrating that the wrong accounts didnt disappear after refreshing. I urgently need my documents to be reviewed properly, so I can stop worrying about this.
Product: Checking or savings account

I opened my bank account with SoFi in XX/XX/XXXX and have not had any issues. I suggested the bank to my roommate and she joined XX/XX/XXXX. We both have check books in the kitchen drawer and she wrote me a check for rent, I wrote her a check for furniture. I deposited the wrong check and immediately contacted them to let them know it was a mix up and to cancel the check but they froze my account. There is NO live agent to speak to, they only have a voicemail set up and say to wait XXXX hours to receive a call back. I have now called over XXXX times and have left several voicemails with no returned call. I have XXXX children and an elderly parent to take care of and this has caused me so much stress. They do not prioritize their customers and they dont even have a real fraud protection team to answer the phones, its all a scam.
Product: Mortgage

Megastar has a one time payment option on website and company has denied my access to link with no warning. I was also put on a payment by certified check with no warning by the company. 

Im on XXXX XXXX with the military and the stress that this causes me is unbelievable. 

I will be submitting a daily CFPB complaint until this company resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 10 derogatory accounts on my report with all 3 credit bureaus, connected to someone else that has fraudulent use my personal info. I have sent the bureaus copies of my identification by certified mail in XXXX of XXXX and requested the incorrect names XXXX XXXX, XXXX and accounts be removed. I have contacted these creditors and no info will be released to me since I am not the owner of these accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Dispute of Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally dispute an item on my credit report, as it appears to contain inaccurate information. Below are the details of the disputed item : Creditor Name : XXXX XXXX Account Number : XXXX Balance Reported : {$270.00} Upon reviewing my credit report, I noticed inaccuracies in how this account is being reported. Specifically : Inconsistent Reporting History : The account is listed as a collection account with a balance of {$270.00} past due as of XX/XX/year>. However, the payment history reflects a collection status for dates prior to the date the balance was updated. This inconsistency suggests potential errors in the reporting timeline. 

Joint Account Discrepancy : The account is reported as a joint responsibility with XXXX XXXX. I have no recollection or documentation of opening a joint account with this individual. This raises concerns about the accuracy of the reporting. 

Validation of Debt : I have not received proper validation or documentation from XXXX XXXX to substantiate this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), the creditor is required to validate the debt before reporting it to credit bureaus. 

I am requesting that you investigate this account and verify its accuracy with the creditor. If the creditor can not provide sufficient evidence to validate the debt and confirm the details reported, I request that this account be removed from my credit report immediately. 

I appreciate your prompt attention to this matter. Please complete the investigation and notify me of your findings within the XXXX timeframe as required by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed a certified letter to XXXX regarding inaccurate reporting of late payments when my loan was in forbearance. There was no correspondence received from XXXX in return. They reported that my account was 90 days late in XX/XX/XXXX after reporting it current in XX/XX/XXXX. It's impossible to be 90 days late in a span of 30 days. I responded to their email requesting a forbearance on XX/XX/XXXX. A request for forbearance covers the span of 3 months prior and XXXX in advance. The request for forbearance was approved on XX/XX/XXXX. The information reported is currently inactive and should be updated immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is Transunion, I was car shopping and was looking for the best finance charge I could get. There were 11 inquiries made on XX/XX/XXXX to the XX/XX/2018. I was under the understanding that if your inquiries are with in 14 days of each other it counts as one inquiry, Trans Union counted them as 11 different inquiries they did the same on XX/XX/XXXX & XX/XX/XXXX which makes my credit report look really bad 20 plus inquiries, now the credit union will not give me a loan because of to many inquiries. If they would show them as 1 inquiry each it In XXXX and XXXX it would show as 2 inquiries and would not affect my chances of getting a loan. When I agreed to have these auto dealerships find me a loan at the best rate, I didn't agree to 11 or more inquiries which now is preventing me from getting a loan. There needs to be some kind of change to how they show these inquiries so people like me do not get affected. Its not just trans union either all three do this but the other 2 seem to lump some together. Trans union does not.
Product: Credit reporting or other personal consumer reports

I am filing this dispute regarding the following accounts, which remain unverified despite my repeated efforts : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) : XXXX On XX/XX/year>, I notified the alleged collection agency of their FCRA and FDCPA violations via a CFPB complaint ( # XXXX ). The CFPB has since informed me that the companys response is overdue, and I have attached their email confirmation for reference. 

Under the FDCPA, I requested : Explanation of the account balance. 
Full payment history and audit trail.

Documentation of my consent to this debt and its reporting.

Proof of authorization to collect in my state.

Chain of custody, master bill of sale, purchase agreement, and promissory note for the alleged debt.

Despite allowing ample time, none of these items were provided. The lack of response is a clear violation of FCRA ( 15 U.S.C. 1681 ) and FDCPA regulations. Reporting unverifiable information is prohibited, and failure to validate these accounts obligates their removal from my credit report. 

I demand the immediate deletion of the aforementioned accounts. Continued non-compliance will result in legal action for monetary damages as permitted under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX REPORTS TO GIVE OTHER CREDITORS THE IMPRESSION I AM A FINANCIAL RISK. I CALLED XXXX TO MAKE A PAYMENT ARRANGEMENT DUE TO LOSS OF EMPLOYMENT. WHEN I ARRIVED TO PAY THEY DID NOT HONOR THAT. I ONLY OWED XXXX DOLLARS AND WOULD BE REIMBURSED XXXX. THEY STOLE MY MONEY AND CLAIM IN THEIR INVESTIGATIONS NO ATTEMPT OR PHONE RECORDS ARE ON FILE. THIS HAS BEEN REPEATEDLY DISPUTED. I HAVE CONTACTED XXXX
Product: Payday loan, title loan, or personal loan

The fee structure and daily interest accrual make the loan payments for the XXXX XXXX Flex Loan restrictively high. My loan balance was {$3800.00} on XX/XX/XXXX and required monthly payments totaling {$1000.00} ( 2 x {$520.00} ), and yet the principle balance was expected to reduce by only {$100.00}. I was only able to afford {$75.00} with my most recent payment on XX/XX/XXXX ( first time late ). The new minimum payment is over {$900.00} and the loan payoff has ballooned to {$4800.00} in less than two weeks. 

After calling XXXX XXXX to inquire about extended payment plans, lower interest rates, or a lower fee structure, I was informed that none of these options exist. My account would continue to accrue 279 % APR interest calculated ( and accumulated ) daily.
Product: Checking or savings account

Over the past few days I've received {$230.00} in overdraft fees, even after depositing money, but because of the way checks and my paycheck were posted I received even more including on a XXXX cent withdrawal. I did the math beforehand and at this point I should have around {$200.00} in my checking account with deposits, but now I have - {$70.00}. There is no way I can continue to pay bills, if I keep getting slapped with these fees on top of fees. I will never get caught up.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I were victims of fraud committed by global client solutions. I had approximately twenty accounts go into collections because of them. They charge us a fee and made a promise to help us with a debt consolidation. They did not do anything and because of that, I fell into a lot of bad debt. I tried fixing the accounts but they just wanted part or all of the money that was owed. It was too much and so I only fixed what I could and the rest went into collections. I have been paying collection agencies and making settlements but they have not updated the credit reports. I see a lot of negative remarks that are not suppose to be there. Before global client solutions my accounts were in good standings and global client solutions ruined my credit. I need it fixed or eliminated. The accounts that I already paid should be erased, I did not recklessly do this, the company that I trusted to do a job ruined me and my wife. I need to know what to do or how you all can help me. Like I said, the accounts have payment arrangements but they are not getting updated in the three credit bureaus. Please help.
Product: Debt collection

Debt was discharged in my bankruptcy and they keep reporting it to the credit bureau
Product: Debt collection

I am going through the process of purchasing a home. My lender suggested that I pay this collection off even though it was due to fraudulent activity. I decided to follow that advice and settled the account with Portfolio Recovery Associates even though it was not my debt as I want to own my own home, I settled the account on XX/XX/XXXX and received the attached confirmation. They told me that they would request deletion of the account within 30 days. Fine. BUT instead they update the account with all the credit companies to reflect a balance of XXXX $ and then on XX/XX/XXXX, they reported an balance INCREASE of XXXX . This is the same amount that I paid them ( document attached ). It decreased my credit score by 34 points. I called them on XX/XX/XXXX and could not get through to the disputes department and the general customer service department was unhelpful. I send an email, also attached. I was finally able to speak to someone in the disputes on XX/XX/XXXX and she was also incredibly unhelpful. She told me that they updated with the credit companies on XX/XX/XXXX and had no record of the update done on XX/XX/XXXX. She also tried to convince me that I was mistaken. I told her that I was looking at the report as I spoke to her. Not sure how she could tell me I was mistaken if her system couldn't tell her what had even happened on the XXXX. She said she would forward my complaint to another depart and I should hear back in 72 hours. I do not have 72 hours to wait. They messed up significantly and this problem should be resolved IMMEDIATELY due to their reporting incompetence. A fair resolution would be to request immediate deletion of their account or refund me my money. If I lose my loan funding or have my interest rates increase due to this situation I will be seeking compensation and restitution.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$7900.00} XXXX  - XXXX - XX/XX/XXXX - {$13000.00} XXXX DATA INT - XXXX - XX/XX/XXXX - {$1700.00} XXXX - XXXX - XX/XX/XXXX - {$5100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  NETW - XXXX - XX/XX/XXXX - {$00.00} XXXX  NETW - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received a credit alert from Experian Credit Reporting that XXXX reported a new student loan onto my credit file. That same day I also received a credit alert from Experian that XXXX also reported that this same student loan 's previous " credit limit '' was {$10000.00} however the " credit limit '' was " reduced '' to {$4100.00}. Due to the incorrect information being reported by Aidvantage ( reported this student loan account as having a credit limit ), this decreased my credit score with Experian substantially, by almost 20 points when the " credit limit '' was " reduced. '' A telephone number was provided on my credit file for Aidvantage ( XXXX ). When I called this number, an automated system let me know that this number was to verify employment with federal workers. Not only had XXXX incorrectly reported information on my credit file ( reported a student loan with a credit limit ), it also lists an incorrect telephone number to get a hold of this student loan servicer. I then looked up XXXX 's telephone number online and spoke to several reps, including a manager who hung on on me. The reps told me to send in a written dispute, however, did not give me any information as to where it should be sent. They also refused to give me their credit reporting department 's telephone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} ), XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date Opened XXXX XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Hello, in response to complaint # XXXX I have sent Equifax a XXXX of my drivers license with my only address as well as XXXX of my utility bills. Equifax has been causing me harm by failing to provide me with a credit score, defaming my character, and other financial damages. Adverse action was committed against me in the form of my application for a {$300000.00} mortgage with XXXX Bank that I was denied for even though I can not be denied an extension of my own credit. The application I filed out was deposited with the Treasury and I received no consideration. However, Equifax received consideration when they sold my credit information to XXXX. This constitutes unauthorized use of my social security card which is by definition a credit card. I have attached a copy of my correspondence to Equifax and demand my credit score be made available to me immediately.
Product: Mortgage

XXXX XXXX was the executrix and sole heir of XXXX XXXX estate. XXXX XXXX passed away on XX/XX/XXXX. She had no children and did not leave a will. As her common law husband of 49 years, I am her sole surviving heir and a successor in interest. 

My completed loss mitigation application, submitted on XX/XX/XXXX, included a copy of the deed conveying the property from my wife to me. The attorney for the servicer requested additional documents ( death certificate for my wife and hardship letter ), which I submitted on XX/XX/XXXX. The complete loss mitigation application constituted a written request to be confirmed as a successor in interest. 

On XX/XX/XXXX, I contacted Citizens regarding the status of my loss mitigation application. The representative I spoke with said there was no application pending, even though Citizens counsel confirmed there was. By refusing to communicate with me about the status of my request to be confirmed as a successor in interest, Citizens failed to comply with federal law. 

On XX/XX/XXXX, Citizens requested documentation proving that either XXXX XXXX or I am a relative of XXXX XXXX. This request is unreasonable and unnecessary. XXXX XXXX was the executrix and sole heir of XXXX XXXX estate, and Citizens had previously recognized her as the successor in interest its XXXX complaint against her. The Complaint filed in XXXX included a deed granting title from XXXX XXXX XXXX to my wife, XXXX XXXX, and it included the letters testamentary granted to my wife over XXXX XXXX XXXX. 

Furthermore, on XX/XX/XXXX, I sent a Notice of Error outlining the above allegations. Citizens has still not responded to my Notice of Error, even though federal law requires a response within five business days. 

Citizens should immediately confirm me as a successor in interest to XXXX XXXX and communicate with me regarding my complete loss mitigation application.
Product: Debt collection

I am a victim of identity theft and am submitting this complaint to request the removal of fraudulent accounts from my credit report, as mandated by FCRA Section 605b. 
The following fraudulent accounts were opened without my permission : XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

Listing on XXXX..CBM COLLECTIONS | XXXX XXXX XXXX XXXX XXXX | XXXX, MI XXXX PH XXXX XXXX XXXX Address identification number XXXX Account number XXXX  Recent balance {$16.00} as of XX/XX/XXXX Status Collection account. {$16.00} past due as of XX/XX/XXXX.
Date opened XX/XX/XXXX Details Account paid in full I contacted them recently after finding out I owed them, paid the initial off of 16, they informed me I had another pending amount, I paid that after talking with them and them informing me they would remove this listing.
Additional information paid in full in two payments, XX/XX/XXXX XXXX CBM SERVICES INC XXXX MI {$16.00}XX/XX/XXXX XXXX  CBM SERVICES INC XXXX MI {$80.00}
Product: Mortgage

I have been in process of loss mitigation for 5 months. This process should not take this long. I was approved for a program by my previous servicer yet this servicer has claimed to not have all documents and now they are stalling the process and have started foreclosure on my property. I have submitted documents repetitively and it at this point making me XXXX  I am beyond stressed not knowing what is going on with this. I have been XXXX  twice due to the stress of this entire process. I have complied. I am requesting a complete audit of the underwriter, company and loan. I am being abused and my loan being railroaded. I also sent in a letter advising of all and it has not been addressed still. I have attached screen shots and all documents.