23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX  XXXX XXXX, TX XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Incorrect Employer : XXXX XXXX Date Updated : XX/XX/XXXX. XXXX  Date Updated : XX/XX/XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Current Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

Noticed unauthorized new account on my credit report contacted company and disputed with XXXX XXXX  XXXX XXXX Told them it wasnt me and claim was denied and to date Im still responsible. Also received call from capital onephone number XXXX whom I thought was legit in the case and after giving my info ( social etc. ) found out its a scam so now Im even more concerned and need my accounts frozen
Product: Vehicle loan or lease

I completed an application to refinance my vehicle with XXXX XXXX and was approved on XXXX/XXXX/XXXX and they sent loan documents for me to sign with a interest rate of 4.14 % for a total of {$43000.00} financed amount. I signed and returned the documents on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I was informed the loan amount would not cover my payoff as interest accrues daily and I needed to make a partial payment, which I paid {$50.00} and sent XXXX XXXX the confirmation of payment. I was informed that my loan went to funding on XXXX/XXXX/XXXX and would take XXXX business days for XXXX XXXX XXXX to receive the payoff. By XXXX/XXXX/XXXX I was concerned the vehicle was not paid off and I did n't want it to have a negative impact on my credit so I made the full payment to my old lender. On XXXX/XXXX/XXXX, I received a voicemail from XXXX XXXX stating they made a mistake on my interest rate and that the interest rate increased to 4.79 % with a financed amount of {$44000.00}. This was followed by an email with new loan documents showing the increased terms along with a request for additional paystubs. XXXX XXXX called again on XXXX/XXXX/XXXX to make sure I received the new increased loan documents and that I needed to sign them asap in order to get the loan funded. I informed them that I am currently in a disaster area and affected by XXXX XXXX and trying to get documents copied/notarized, etc. was not possible. Furthermore, after almost a month of the refinance process including loan documents signed, I found it suspicious that the interest rate increases after a major disaster occurs in my area.
Product: Mortgage

I have received information from Wells Fargo of a signed formed but not the info i requested. if the XXXX sent you monies on my behalf, where did you apply those funds and why are you unable to provide proof of those funds. if you are unable to provide info that the monies were applied, then you cant possibly say i was delinquent. i may have signed a form because you said i was delinquent and that is because you didn't apply the funds from the XXXX  that was sent on my behalf. where did you apply the monies the XXXX sent you on my behalf. i was not delinquent. i was current and a partial claim should have never been submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to paying off account XXXX of 2019 the payment history reflected on my credit report showed current and on time for the entire year. 

After paying the account off in XXXX of 2019 through their online portal, the balance owed showed {$0.00} and I know longer had access to the portal. 

XXXX came around and it showed a 30 day late on my credit report for XXXX, but the account had been paid in full prior to XXXX. I contacted the lender and the branch manager assured me the issue would be taken care of, but I would have to wait 30 days until they report to the bureaus again. Throughout this scenario I had made it clear to the lender that I am in the process of refinancing my home and need the corrections to be made ASAP. 

XX/XX/2019 the update reported and instead of removing the error XXXX XXXX went back and added 8 late payments to the account. After the dispute with the branch manager I had deemed it as some form of retaliation to affect the refinance of my house. 

I later met with the District Manager at the office and have the entire conversation documented. He stated that the errors are to do with the companys system issues. The first error that caused these chains of events was XXXX cents in interest that they stated they forgave. The manager said that even though the online portal showed the account paid in full I should have known there was a XXXX cent balance even though their system showed otherwise. He stated that he would contact the credit department to remove the late payments, He stated that they would not remove the late payments which is in their own discretion and suggested that he will discuss with the companys attorney to remove the account. He stated that the attorney stated that according to FDIC they could not remove the account from my credit report which I instantly knew that was not true. 

Imagine refinancing your house, your personal dwelling, and in the process of paying accounts off completely to be Debt Free a company feels the need to attempt to strip the entire process away. Imagine the stress that has been experienced through this month not knowing if I will lose my house because paying off a loan has backfired to the extreme due to this companies systematic errors. I have attempted to reach out to this lender but have received nothing but prolonged responses and disrespect. I am hoping to have this issue resolved to avoid reaching out to an attorney for damages. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX District Manager : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries have appeared on my credit report out of nowhere, leaving me both shocked and frustrated. Refreshing my browser didnt help, and I need an urgent review of the documents I sent to prevent this from happening again.
Product: Vehicle loan or lease

On XX/XX/XXXX, my husband and I acquired a 72 month loan for {$19000.00} through JP Morgan Chase, as a lease buy-out for a XXXX XXXX XXXX. 
On XX/XX/XXXX, we were involved in an auto accident while driving the subject vehicle, and filed an insurance claim. 
On XX/XX/XXXX, our insurance company notified us that the vehicle was deemed as a total loss. The claims adjuster also stated that per the Department of Motor Vehicle, the owner of the vehicle was listed as JP Morgan Chase ; whereas my husband and I should be listed as owners and JP Morgan Chase as the lien holder. Unfortunately, XXXX XXXX is unable to payoff our auto loan that has a remaining principal balance of {$14000.00}, until we are listed as owners of the XXXX. 
I immediately contacted Chase, and spoke to a representative who confirmed the title did in-fact, list them as the owners, and he did not know why. The representative then said he would submit a ticket for this to be looked into, and I should hear something back by XX/XX/XXXX. 
Today, XX/XX/XXXX, I called Chase back to see if they filed for the title yet? The representative who I spoke to told me that they filed for the title on XX/XX/XXXX via XXXX. She stated it may take up to 60 days for the title to be processed ; and due to COVID, it may take longer. I called my local County Clerk and Recorder 's office to see if they received the title request and if there was anything that I could do to help rectify the situation. The County Clerk 's office stated they had no record of receiving the title request and there were no current delays with filing titles to vehicles. 
I then made another phone call to Chase, and spoke to a customer service representative who stated it appeared that nothing had been processed for our title at this time and she would send the necessary paperwork to their title department to be processed. 
In the meantime, I am responsible for making principal and interest payments for a vehicle that could be paid in full, had they processed the paperwork correctly. Chase has stated it may take until XX/XX/XXXX to investigate why they have not filed for the title. It may take up to 60 days to receive the title. It may take up to an additional 30 days after the payoff is received, to process the lien release. Again, during this time, the loan is accumulating interest. 
Chase has sent me miscellaneous loan documents to be re-signed multiple times. I have complied with each and every request. 
I requested for them to contact my insurance company in order to resolve this issue, but they were unwilling. 
What are my rights as a consumer? Is Chase required to forgive any interest/finance charges that are accumulating during this time? 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

See attached FRAUD CLAIM XX/XX/XXXX {$470.00}. Temporary Credits made permanet NEVER APPLIED AFTER 10 TEN MONTHS OF INVESTIGATION. See attatched STATEMENT XX/XX/XXXX. ONLY CREDITS ARE MERCHANTS CREDITS. Where are the timely USAA temporary credits USAA CONFIRMS WERE MADE PERMANET THAT HAVE NEVER BEEN MADE. 10 TEN MONTHS LATE? THEY DO NOT EXSIST. Why was I descriminated against because of my age or was it my XXXX? WHY WEREN'T MY FRAUD CREDITS MADE TIMELY? WHY WEREN'T CREDITS CONFIRMED PROVIDED PROVIDED AS WITH THOSE ABLE TO GO ON LINE ALWAYS ARE PER USAA POLICY? DISCRIMINATION AGAINST XXXX  XXXX CONSUMERS? XXXX  XXXX  ARE NOT ABLE TO GO ON LINE WHEN USAA IS NOT ADA ACCESSIBLE. No man in blue ADA ACCESS. NO WAY TO RESOLVE TARGETED XXXX XXXX CONSUMERS FRAUDS. XXXX USAA STILL NO RESOLVE. ALL OTHERS WOULD BE PROVIDED CREDITS TIMELY OR AT ALL, BUT NOT ME A XXXX XXXX  CONSUMER THAT NEEDS MORE PROTECTION THAN THOSE LESS VULNERABLE!!!!!!!!!!!! AND A 35 YEAR MEMBER XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX past deu. Acount XXXX. XX/XX/year> account : XXXX XXXX past deu. # XXXX. XX/XX/year>. 
Account XXXX XXXX # XXXX. XX/XX/year>., 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

EQUIFAX BLOCKED MY CREDIT REPORT AND REQUESTED PERSONAL INFORMATION THAT I PROVIDED TO RESOLVE ISSUE. 
IT GIVE ME EQUIFAX ERROR CODE XXXX THAT NEEDS TO BE FIXED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX file # XXXXXXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXAccount # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX  XXXX BANK account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I found fraudulent information on my credit report. After the information was found I hired a credit repair agency to remove the items that were not authorized by me. Those items were not removed and nothing was done. I am looking to have the information removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and was XXXX  months XXXX  living in XXXX, XXXX  when the information listed below, appeared on my credit report. It does not relate to any transactions ( s ) that I have made and is the result of identity theft. 
Public Records : Dismissed XXXX  XXXX Bankruptcy in U.S. Bankruptcy Court, XXXX  District of XXXX XXXX, Filed XX/XX/XXXX. Case No. : XXXX To support my position, I mailed Transunion the following documentation via certified overnight mail on XX/XX/XXXX, which the USPO certified receipt on XX/XX/XXXX : A Copy of my credit report I received from XXXX with the fraudulent items circled. 
A copy of my Identity Theft Report dated XX/XX/XXXX and a copy of the U.S. Department of Justice correspondence dated XX/XX/XXXX acknowledging that I reported and disputed these fraudulent transactions. 
A copy of my drivers license to prove my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires Transunion to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
A copy of the XXXX  XXXX Bankruptcy Petition with the fraudulent signature, address, phone number, and eviction status circled that can be disputed with the support that is included.

A copy of my lease, bank statements, and final utility bill from XXXX documenting my XXXX  address and support my timeline of having moved to XXXX  prior to the filing of this petition. 
A copy of my deposit refund notice from my XXXX  landlord stating that I moved out of my apartment before the termination of my lease, in XX/XX/XXXX, and I received a full deposit refund. I have never been evicted as stated in the bankruptcy petition. 
Copies of correspondences, visit calendars, and visit summaries from my doctors/patient portal account that supports of my condition of XXXX XXXXXXXX and XXXX  residency claim. The first half of my care was under XXXX XXXX XXXX, from XX/XX/XXXX to XX/XX/XXXX, in XXXX XXXX and the latter half was under XXXX XXXX XXXX, from XX/XX/XXXX to XX/XX/XXXX, in XXXX. One of my XXXX appointments was just one day before the fraudulent petition was signed on XX/XX/XXXX in the state of XXXX. In my XXXX condition, at XXXX  months XXXX I would not have been able to travel to XXXX  to have filed such a petition. 
Copies of various receipts around the time the petition was filed to substantiates my XXXX  residency claim, including a receipt of an ATM deposit made in XXXX  days before the petition was signed. 

Ive disputed this information since the company received my documents and the fraudulent information is still coming back as accurate. I have called for help and have had my call disconnected and questions left unanswered regarding the fraud review and information validation process Its past 4 business days since the company received my letter with supporting documents substantiating a case of identity theft. I have rights under FCA, and I do not believe Transunion is following these guidelines to protect me.
Product: Money transfer, virtual currency, or money service

XXXXvictim of felony fraud involving people impersonating police officers Call received from the XXXX Police Department indicating that I was being charged with citations for not appearing for grand jury selection. 

Attempted to collect monies that I was being told were to pay the citations before appearing in front of a judge for contempt of court. 

Money was transferred and upon discovery that this a fraud, one account was closed and stop payments were made on the additional account. 

I attempted to call Venmo to notify and their office was closed. 

Venmo proceeded to pay the fraudulent accounts after they saw the stop payments without checking with me. They acknowledged that they saw the top payments per my phone call to them. 

Venmo wants me to pay these amounts which I will not do and they proceeded to take {$440.00} from my account that was for my son 's security deposit for his college housing. 

I have the police report available as well as any additional information.
Product: Money transfer, virtual currency, or money service

A refund for a cancellation to a hotel was reversed.
Product: Checking or savings account

Chase bank hasnt closed my account yet but still wont let me access my money XXXX I came in with my if and everything I just want my money n they wont give it to me they said they have to mail me A check once they close it in 7 to 10 days I need my money to pay bills
Product: Debt collection

Collector came to my home honked horn for XXXX minutes with only my sick mother in law home. She finally came to the door and the lady asked if she was me. She said no she was n't. The lady demanded to know where I worked, what I drove, and when I 'll be home. She did n't tell the lady anything and asked the lady to leave the property. She refused and continued to raise her voice at my mother in law. She was asked to leave again and still refused. Mother in law said that she would call the cops if she did n't leave. Woman said that she would come back next time with officers to arrest me and threw a letter at my mother in law. Also note we do have no trespassing signs at several locations on property. 

Company also calls my phone several times a day and leaves voicemails that are threatening in manner demanding I call and resolve the matter before further action will be necessary. 

On another occasion she called my mother in laws phone ( never gave any number besides mine ) tell her to call her back and made it very known company and that she was trying to collect from me. My mother in law was a customer of company before bankruptcy. I assume that was how she obtained her phone number.
Product: Credit reporting

Victim of ID theft or just not my account. 
Dispute of Bankruptcy returned as validated, verified by original creditor. 
My next steps included going to the court house to obtain supposedly " my record of bankruptcy '' Return results {$8.00} to find out you have no record. Next I wrote the US trustee inquiring so I could have a paper trail, Their response " We do not report to CRA 's '' Please call us@... .... 
I called to find out that only limited information is available and public reporting by outside sources is how the CRA obtain their information. NO SSN, NO DOB, names and address only! Now I 'm mad, I feel lied to and cant understand how I got into this mess.. There is no reports of this on the other CRAs?!?!?! 
So I did what any lost and confused person would do, Reached out to a consumer report attorney. His suggestion was to file a police report as ID theft and let the CRA figure it out. 
On XXXX/XXXX/16 Experian received police report, letter from US Trustee department, and statement requesting XXXX Block. XXXX/XXXX/16 - Per phone call XXXX request denied, we issued a letter today. 
I cant get this off of my report, There is no court documented Bankruptcy, A police report, a supportive letter from the trustee department, my statement ... .. What more can I do? 
I Have to avoid any lender that checks Experian because my score is XXXX now and I cant secure the credit I need or even rent an apartment or buy a home due to Experian 's lack of compliance the basic laws.
Product: Credit reporting

I signed up for Experian credit monitoring service. I had a score of XXXX on XXXX XXXX, 2016. When I logged in again on XXXX XXXX, 2016 just 6 days later, my score had dropped to XXXX a deficit of XXXX points ( XXXX-XXXX ). I have since called Experian over a dozen times to correct an obvious " glitch '' or what have you and they have failed to : assist, provide any feedback, and/or correct this! This is quite frankly ruining my life and future pursuits. Between XXXX XXXX and XXXX XXXX, there were no changes to any of my accounts to have prompted a XXXX points decrease. If anything, I continue to pay on my XXXX credit card account which should have prompted an increase NOT a decline. Whenever I call Experian, they apologize but are unwilling to help. I was given this ticket # : XXXX and was informed today that although my ticket was " escalated, '' it still has not been looked at. I am beyond livid and exhausted at this point. Each representative I have spoken with ( more than XXXX ) seems to not know what happened but are just so incompetent and unwilling to " go the extra mile '' to assist me with this.