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

There is an old XXXX account showing on my credit report incorrectly. The account is XXXX opened on XX/XX/XXXX. Currently the account shows as a recent missed payment or recent charge off on my report. That is not accurate. I have verified with XXXX XXXX the correct dates for this account as being closed on XX/XX/XXXX and paid and closed on XX/XX/XXXX. There has been no activity on this account since. However, Equifax is reporting that the charge off date on this account is XXXX of XXXX. This is not accurate. Any or information at all regarding this account post XXXX of XXXX is wrong.
Product: Checking or savings account

I requested Wells Fargo Bank rescind a bank wire that was sent to a fraudulent sales organization and they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sought the help of XXXX XXXX XXXX to help pay off my debt rather than file for bankruptcy. XXXX XXXX XXXX was one of the creditors I enrolled in the program. XXXX XXXX XXXX turned the account over to Northstar Location Services LLC. On XX/XX/XXXX, they accepted a settlement with XXXX in the amount of {$1500.00} to be paid in 11 monthly payments with the last payment made on XX/XX/XXXX. The account is PAID in accordance with our settlement agreement. In spite of the fact that regular monthly payments were made to the account for the past 11 months, XXXX XXXX continue to inaccurately report the status of my account to all three credit reporting agencies ( XXXX, XXXX & XXXX ) as follows : ( 1 ) Balance - {$4100.00} and Past Due Balance as {$4100.00}, ( 2 ) Payment history shows " CO '' Collection from XX/XX/XXXX to present. ( 3 ) Payment Status shows charge-off instead of " Paying ''. As you know, even if an account had gone into collections, a continuous payment history over time and lowering the balance helps to improve one 's credit score. Since XXXX XXXX XXXX refuse to report the details of my account accurately, they are deliberately trying to hurt my reputation and defaming my character, and preventing my credit score from improving over the past 11 months.
Product: Credit card or prepaid card

Regarding Ashley Furniture - Synchrony Credit Card Since I complained AGAIN in XXXX they lowered my credit limit from {$1100.00} to {$260.00}. They said that it was due to my credit score. But my credit score was higher than it was when I was originally approved for the card. Lowering my credit limit caused my credit score to drop XXXX points!!! 
On XX/XX/2022 I entered an order online for a dresser/mirror combination for {$550.00}. I decided that I didn't want it and canceled it XX/XX/2022 online. It was canceled within XXXX hours. After it showed up on my account as delivered I sent in a dispute form. I called Ashley Furniture and they told me to get in touch with Synchrony Bank. I called Synchrony in XXXX, XXXX, XXXX & XXXX. The last time I spoke with someone there, he said that the cancellation was just entered in XXXX and I would have to wait TWO MONTHS for it to show up on my account. Now, even though they owe me {$550.00} I keep getting emails telling me that my payment is late. I have kept paying the payments early so it wouldn't adversely effect my credit rating. But I'm not going to keep paying them while they owe me money!! According to them I owe them {$58.00} that is showing late on my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, In 2019, I was a victim of identity theft because I had lost my wallet at the time. Inside my wallet, contained information such as my ID and SSN card. About a month after this incident, I got a notification on XXXX XXXX that there were multiple inquires made on my credit profile. All these inquiries were for car loans. What I am complaining about is the Carmax Account. I have sent multiple disputes but nothing has been done. 

CARMAX AUTO FINANCE ( Opened XXXX. XXXX, XXXX Balance {$27000.00} ) Can you please remove it from my credit report.
Product: Debt collection

I have a debt collection reporting on my credit for a credit card that I already previously disputed. The account was originally removed due to inaccuracies on y credit reports. This item was a result of an identity theft and now this account has reappeared on my credit as bad debt. This account does not belong to me.
Product: Mortgage

After I requested a refund of escrow surplus due to a 2023 statement on the account. Mr. Cooper, debit/credited the account to avoid paying me. When I continued to complain and request explanation, Mr. Cooper has since then deleted the entire year of XXXX  ( i have kept the printed account information-thank XXXX ) and has continued to l ie, redact and edit the account information to avoid explaning and paying the surplus which is {$18000.00} plus dollars. Your records will reflect an earlier complaint wherein Mr. Cooper acknowledges this 2023 record and yet as of today it has been deleted in a cover up. See the attached screenshots and refer to XXXX complaint admission by Mr. Cooper. I wrote the below email and have not gotten a response. 

Subject : Request for Explanation Regarding Deletion of XX/XX/year> Posting and Issuance of Surplus Payment Dear Mr. Cooper, I am writing to seek clarification and a formal explanation regarding a recent discrepancy noted on my account. It has come to my attention that a posting from XX/XX/year>, which was previously reflected in my account statements, has now been deleted. This unexpected change has raised concerns, and I am requesting a detailed explanation for this deletion. 

Under the Real Estate Settlement Procedures Act ( RESPA ), I am entitled to receive clear and accurate information about my account transactions [ 2 ]. The sudden removal of the aforementioned posting without prior notification or explanation appears to be inconsistent with these requirements. As such, I am exercising my rights under RESPA to demand a prompt and thorough explanation for this action.

Furthermore, if this deletion has resulted in a surplus in my account, I hereby request that the surplus payment be issued to me without delay. RESPA mandates that any overcharges or discrepancies in the account must be addressed and rectified promptly [ 2 ].

Please provide the following information as part of your response : 1. A detailed account of the reasons behind the deletion of the XX/XX/year> posting.

2. Confirmation of whether this deletion has led to a surplus in my account.

3. If a surplus is confirmed, the amount of the surplus and the expected timeline for the issuance of the payment to me.

I trust that you will address this matter with the urgency and seriousness it deserves. I expect to receive a response within the statutory time frame as stipulated by RESPA regulations.
Product: Credit card or prepaid card

I am writing this complain on behalf of my wife. I have permission. She also gave me permission to discuss this account with Capital One. That permission was granted on a recorded line with Capital One when we were attempting to resolve a late fee charged to this account. It is a shame that this bank would not credit back a late fee when the amount due was paid less than 24 hours after the due date. I am unemployed but hustle and do XXXX and XXXX. My wife does as well. That is not alot to take care of a family of XXXX. It is a disgrace that this bank would not have compassion. We have never missed a payment on this card. Maybe a little late a few times but never missed. A {$28.00} late fee is alot for us but very small for them. These people don't give me a credit of {$28.00} for being early. They refused to credit my wife 's account because they did back in XXXX of XXXX. It still is basically stealing from a family doing the best they can to get by. Capital One got bailed out by the government back in XXXX and received billions from taxpayers to bail them out. But when it comes to helping others they turn a cold shoulder and say " sorry XXXX you and I don't care if you can't get out of debt because we will always get our money. '' I will tell everyone I know how uncompassionate this bank is. I hope this gets published and read it. Don't do business with this bank. They are very quick to sue if they don't get their money but just as quick if not quicker to take a handout from taxpayers. They should be ashamed of the unequal measures they apply and how they do business. I have to come up with money given my situation so sometimes it is hard to get it by the due date with my rent and other things like food have to be paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then I've been noticing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate Inquiries and accounts I have listed immediately, the following includes : XXXX XXXX XXXXXXXX Inquiry : XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX  Inquiry : XXXXXXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX  XXXX XXXX  Inquiry : XXXXXXXX XXXX Inquiry : XXXX
Product: Debt collection

I took out 2 checks in the amount of {$240.00} each, I paid them both back twice, borrowing the same amount each time. I could not pay them back and I have been asking repeatedly and told by customer service that if I waited that I could set up a payment plan through collections but instead the company is calling my friends, and even my spouse who was not on the referrals list so they should not contact him at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute is connected with a previous complaint ( complaint # XXXX ) where at over 8 years, XXXX XXXX XXXX is still reporting on my credit report. The creditor was included in a bankruptcy and when contacted after the discharge. I was told by a woman representative of the company. That the company was within there right to report outside of the bankruptcy. In the previous complaint, I had to make a claim against XXXX for its lack of willingness to investigate the matter. And XXXX XXXX XXXX attempted to displace its responsibility in the matter. I disputed the claim that the account was too old with XXXX XXXX and it was promptly removed. I disputed it with Equifax and their response is that XXXX XXXX XXXX said the debt is reporting accurately. Despite me noting in the claim that debt is too old to be on my credit report. This claim is against Equifax and XXXX XXXX XXXX ( again ). Regardless of the category of this claim. XXXX XXXX XXXX should not still be reporting on any of my credit files after the legal retention period. And if approached by the credit bureaus. Should not still relaying inaccurate information as accurate. Now, XXXX XXXX XXXX is blatantly violating the Fair Credit Act and in plain site.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has a problem with supplying me with my credit report and In fact I havent been able to see it in years..my credit has taken blows due to results of not being able to monitor it in years due to inaccurate information on their end but they told me everything was good and had me asking other companies like XXXX XXXX and XXXX XXXX and others to fix the issue when they had 2 names on my file etc with them.
Product: Debt collection

Innovative Recovery is reporting a debt to my credit files. I have not received any information concerning this and contacted the original creditor. 

The original creditor informed me they did not have any information regarding this debt and that they do not do business with Innovative Recovery.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Vehicle loan or lease

I applied for a new car loan and was approved for an amount I could afford and that was the only reason I agreed to buy and leave  XXXX   XXXX  dealership in  XXXX , CA. The finance guy called me after a day o r 2 st ating that I needed to resign my loan with another finance company for a higher intetest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico  has me at a credit score over 710XXXX XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Prepaid card

I called and let them know I wasn't the one doing purchases and withdrawals on my XXXX account I was incarcerated I sent proof of my arrest date and police report Dates are for the month of XXXX of 2023 in the amount of {$1300.00}
Product: Checking or savings account

I received an email telling me that my accounts with chime bank were blocked and I need to verify my funds. I tried to send them all the documents that they asked for. They asked for a w2 from my last job. I am an XXXX XXXX I am a XXXX XXXX I also do XXXX XXXX XXXX. While I do okay for myself I dont have a w2 or anything to prove how was I making money it was all cash and I was depositing it to my bank account. I only opened chime bank account because they have a higher interest rate. Now they XXXX me over because they close my bank account and sent me an email that my funds arent eligible for refund. That money is all I have I am late on my rent and cant even go buy food and all this happened a week before XXXX
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX  I received a call and letter from Hunter Warfield stating my son and I owe them over {$4000.00} for their client The XXXX XXXX. My son went to the XXXX to get information regarding this charge. They clam they have no information regarding this charge. I contacted Hunter Warfield multiple times to get verification and a breakdown of changes. To date I have not received this information. The charge is now showing on my sons and my credit report as in corrections which is effecting my credit and my business.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian and XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

I have notice many inaccurate untrue and false misrepresentations on my credit report I have sent request for Transunion, XXXX, and XXXX. However I have gotten XXXX responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that I did not apply for or authorize. 

The only inquiry that is valid is XXXX XXXX for my car lease. 

Please remove all other hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. Most of these accounts do not have an address or name attached in order to dispute the inaccurate repot.. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Remove all late payments and change the payment status to current because of Cares Act. 
XXXX Account XXXX : XXXX Please ensure that all information is accurate 2. You are in violation of 15 U.S code 1692g medical bill or personal information should not be on my report. 
Account Number : XXXX Please remove it from my credit report. Have not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( Mo ) 281 SW 715 791. I may presume that there is no proof of the alleged debt nor if any such debt in fact exists.

3. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report.

Account Number : XXXX  Please remove it from my credit report. Have not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( Mo ) 281 SW 715 791. I may presume that there is no proof of the alleged debt nor if any such debt in fact exists. 



4. FDCPA section 807 Violation False or misleading representations.

Account Number : XXXX  Please remove it from my credit report.

5. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report.

Account Number : XXXX 15 USC 1681 ( a ) you are in violation with my rights and information you want to be private thats posted on your consumer report is a VIOLATION and infringing on my right to privacy. Have not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( Mo ) 281 SW 715 791. I may presume that there is no proof of the alleged debt nor if any such debt in fact exists.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and landed. I have been a victim of identity theft. This is hurting my ability to purchase a home for my family. Please remove this fraudulent account for my credit report. Thank you.
Product: Debt collection

MoneyLion signed me up for a loan for {$500.00} and I didnt receive anything I didnt sign up for that my bank is not connected with that service Im being scammed from money lion
Product: Debt collection

I have sent documents to them on several times XX/XX/2019. These accounts are not mine.
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
Product: Bank account or service

I had a bank account with Wells Fargo for about 4 months that ended XX/XX/XXXX, due to a check that was issued from an account I had at XXXX XXXX XXXX that was being closed sent directly from XXXX XXXX XXXX to Wells Fargo, never was I notified about this check. The Wells Fargo Account was closed because they said that said check boucnced and they have XXXX tolerance for this kind of thing. I went to a branch in XXXX Texas and withdrew the entirety of my funds left in my account and was told by the banker that it was closed. This was on the XXXX of XXXX. 
I receive XXXX and SSI Payments from Social Security every month. I had my DD going to my wells Fargo account, and was in a bind at this point because all of my accounts had been closed. I tried to get another bank account but found out that Wells Fargo or XXXX XXXX XXXX put my name on a list with a company named XXXX, and I was unable to open a bank account anywhere to have my SS payments for XX/XX/XXXX go to. Finally at the last moment a friend allowed me to use his account and I set it up with Social Security, but it was already too late. They told me the funds were still going to be deposited into the Wells Fargo Account. I contacted Wells Fargo and they told me that it would take XXXX business days for the funds to be returned to the depositor after being rejected from a closed account. So I waited and still no funds in the new account with my friend and SS stating that they had been deposited. I called Wells Fargo back and this time they told me that the funds should have immediately been sent back to the depositor because the account was closed and that was the law. But they did not see any DD go into my closed account at all as of that time, which was now the XXXX of XXXX. 
My checks are lost. I believe that Wells Fargo has them and would like them to release me my money.