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

My bank has continued to report payment and balance errors against my mortage account for over a year. They acknowledge their error, correct my report and then report the same error again every two months or so. This has cost me and my husband auto loan interest rates, time and money to continue to pay for credit report copies. Below is a timeline of communications and events between XXXX XXXX XXXX  and me:XX/XX/XXXX - XXXX XXXX XXXX reports delinquency for XX/XX/XXXX in error to credit reporting agenciesXX/XX/XXXX - Emails are exchanged between us, XXXX XXXX and XXXX XXXX at XXXX XXXX XXXX regarding the reporting error. XXXX acknowledges the error and says she will get it corrected.XX/XX/XXXX - We receive notice from TransUnion that the reporting error has been corrected. Our credit reports reflect correctly and show no mortgage delinquency for XX/XX/XXXX.Approx. XX/XX/XXXX - XXXX XXXX XXXX reports delinquency for XX/XX/XXXX in error to credit reporting agencies againXX/XX/XXXX - We speak with XXXX XXXXXXXX  who initiates email conversations to try to resolve the reporting error. XX/XX/XXXX - XXXX XXXX acknowledges the reporting error and says she will correct it. Approx. XX/XX/XXXX - Our credit reports reflect correctly and show no mortgage delinquency for XX/XX/XXXX.XX/XX/XXXX -   XXXX XXXX XXXX reports delinquency for XX/XX/XXXX in error to credit report agencies againXX/XX/XXXX - We email XXXX XXXX XXXX to remove the error from our credit report againXX/XX/XXXX – XXXX XXXX XXXX falsely reports that we owe $XXXX XXXX dollars on our mortgage. XX/XX/XXXX – XXXX XXXX XXXX contacts TranUnion and corrects the $XXXX XXXX  dollar error and the XX/XX/XXXX delinquency error that was incorrectly reported. XX/XX/XXXX – Our credit reports reflect the correct informationXX/XX/XXXX - I spoke to TransUnion and they show a history of disputes and resolutions for the XX/XX/XXXX payment reporting error but confirmed that XXXX XXXX XXXX XXXX reported the same error again for the month of XX/XX/XXXX. XX/XX/XXXX – XXXX XXXX XXXX has reported a 30 payment delinquency again to credit agencies for XX/XX/XXXX in error.
Product: Credit reporting or other personal consumer reports

I am following up on a previous dispute that was filed XXXX in which I requested that a account listed on my credit report be validated and I was specific asking for documentation that was used to determine the account to be valid. If there was no validation or documentation provided then by law the account was to be deleted. Transunion failed to provide either the proof of validation or deletion of the account. They are now liable for damages under the law for willful non compliance. 

So again I request that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX repossessed my vehicle in XX/XX/2017. I have made several phone calls to the company and ask them to send me a letter stating when the sold the vehicle and how much they sold it for and the balance of what is left on the vehicle. As of this date I have not received any information on the vehicle. I noticed they have it in my credit report owing car finance and flagship credit showing a balance of {$16000.00} and just increased the balance by {$400.00} more dollars. From the time they repossessed thy vehicle they never sent me no information on it. They never offered me a chance to get the vehicle back after they repossessed the auto or even made me aware of that it would be auction off. An even after they sold the vehicle they never in sent me nothing on how it was sold for or what is the balance after it was sold. I have called them to try and clear this matter up but they still wont send information out. I would like to clear this matter up with the company..
Product: Credit reporting or other personal consumer reports

name XXXX XXXX XXXX XXXX XXXX SSN last XXXX : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. this fraudulent, inaccurate and false information consists of a personal credit account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX amount of {$2300.00}, another loan opened at XXXX XXXX XXXX XX/XX/XXXX account number XXXX amount of {$750.00}, another loan at XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX account number XXXX amount of {$2300.00}, another loan account opened at XXXX XXXX ( XXXX XXXX ) XXXX XXXX XX/XX/XXXX account number XXXX amount of {$620.00}, another loan opened at XXXX XXXX ( XXXX XXXX XXXX ) on XX/XX/XXXX account number XXXX amount of {$5600.00} these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. ive attached a list of the hard inquiries in question ALL hard inquiries showing on my report are as a result of fraud as well as a copy of the FTC criminal complaint report as none of the accounts above were not opened, made, or initiated by me. all of the aforementioned accounts are the results of identity theft and or fraud.
Product: Checking or savings account

Credit Karma will not give me access to my account and will not mail me a new debit card which was stolen and canceled.
Product: Credit reporting, credit repair services, or other personal consumer reports

OLD PHONE NUMBERS AND OTHERS NEVER HAD Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to you in reference to my account with your company, which has been reported to credit bureaus as having late payments. I am aware that the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1666B and 15 USC 1637b, protects me from incorrect and unfair reporting of information by creditors to credit bureaus. 
Upon reviewing my credit report, I have noticed that your company has reported late payments on my account. I would like to remind you that this is illegal under FCRA regulations, and it has negatively impacted my credit score and ability to obtain credit from other sources. 
As per FCRA regulations, creditors are required to report accurate and timely information to credit bureaus. Any inaccurate or unverified information must be removed from my credit report immediately. I demand that you delete the derogatory payment history from my credit report and provide me with a written confirmation of the same within 7days of receipt of this letter.

Failure to do so may result in legal action being taken against your company for violating FCRA regulations. I urge you to take prompt action to rectify this situation and avoid any further consequences. 
I look forward to your prompt response and resolution of this matter. 
Account information : KIKOFF LENDING LLC balance {$32.00} 150 days late Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete all of these hard inquires immediately. 

EQUIFAX MORTGAGE SER Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XXXX XXXX, XXXX  Credit Unions XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  All Banks ( XXXX ) XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX ( Bank XXXX XX/XX/2022 XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX ( Bank XXXX XX/XX/2022 XXXX XXXX XXXX XXXX. ( Bank ) XX/XX/2022 XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( Bank ) XX/XX/2022 XXXX
Product: Checking or savings account

I had a checking account with Chase for over 2 years. I deposited a check and they closed my account. The date of closure is XX/XX/2023. The amount was {$6100.00}
Product: Debt collection

On XX/XX/2021 I sent a letter to WELLS FARGO BANK. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, The credit bureaus stated the reported the information has certified to XXXX that the information is accurate. See below. 

Collection Account Number : XXXX XXXX : XXXX XXXX XXXXXXXX and Account Name : CAPITAL ONE Account number : XXXX Date opened : XX/XX/XXXX Balance : {$460.00} The information is inaccurate from both of these accounts. I never opened the capital one card in XXXX. This is a fraudulent account. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I have not given this account written permission to furnish this account on my credit report.
Product: Student loan

I had a student loan with XXXX for 10 years, on a standard repayment plan, and according to XXXX, I was eligible for the loan forgiveness program. I applied, submitted the application and the employer certification ( I am a caseworker/social worker for the county 's child welfare services ). XXXX accepted the application and then turned it over to FedLoans for further processing. However, FedLoan denied the request because I did not have enough qualifying payments with FedLoan ( although I  did with XXXX ). Also, I was told because I had a " standard '' repayment program, I did not qualify anyway, as I needed to have a different plan, such as income-based. I don't think it is fair that I am being penalized for submitting an application with XXXX ( and having the 120 eligible on time payments ), and being transferred to FedLoan AND for paying back my loan, on time every month, including through COVID and not having a " income based '' loan. I am a person who has diligently paid back my loan since XX/XX/2009, have worked for social services/public service in county government, and should be eligible for the Public Service Loan Forgiveness program, no matter what payment plan I chose back in XX/XX/2009!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX/XXXX XXXX  account what has been reported as a charge off every month since XXXX. Every month it has reported 30,1 60,1 90 1 days late for XXXX and Experian and the last month it reported that was XX/XX/XXXX. I just updated my smart credit and for XXXX its reporting 30 1, 60 1, 90 37, for XXXX and its reporting 30 1, 60 1, 90 3, for Experian! I just updated it for XXXX and it say 30 1, 60 1, 90 1, for Experian and 30 1, 60 1, 90 38, for XXXX. How did it go from XXXX 90 days late in XXXX to 38 90 days late in XXXX in 3 months??!!! Also All 3 are reporting wrong dates for date of last activity!
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my credit profile ive noticed alot of unauthorized information. this is hindering my personal file. I am intrested in disputing alot of information on my transunion credit report.
Product: Credit reporting

Debt is not mineDescribe what happened so we can understand the issue ... 

I have received a XXXX point reduction in my credit score from Equfax. When I got my score XX/XX/XXXX it was XXXX XX/XX/XXXX it is XXXX. When I reviewed my credit report I found that XXXX had reported me as having a bill of {$340.00}. I have never received a bill from XXXX and since they put me into collection And have never received a bill from them ( XXXX.. ) This bill is showing as XXXX year old. If I had received a bill from either one I would have paid it immediately. I have always paid all of my bills on time. I Called XXXX who. Referred me to XXXX. I called covergent who sent me back to XXXX. XXXX said I would have to go to the collection agency because they can no longer send an itemized bill, when calling XXXX again they said they did n't have one but I should pay it anyway. Why would I pay a bill that I never received and did n't know what it was for. I finally filed a dispute with Equifax and explained that I never received an itemized bill from either XXXX or XXXX. The answer to my disputewas " It was my bill. " That, of course did not answer my problem. I am sure that you would not pay a bill that gave you a number but not itemized and did not know what it was for. I have been given the runaround enough. 

I called XXXX XX/XX/XXXX because I wanted to unlock my phone ''. I could n't unlock my phone unless I knew I had a XXXX balance '' and was told by the billing department that I had a XXXX balance and my account was current. I ca n't understand why they would now say this. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

These account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( Transunion, XXXX, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with transunion and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

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: Debt collection

ABC Financial Services keeps calling my phone number and sending letters demanding payment of {$10.00} and {$9.00} biweekly even they were notified by me and the XXXX XXXX XXXX Downtown  that Agreement # XXXX Member # XXXX was terminated on XXXX XXXX, 2017 due to XXXX non-compliance to provide items as per agreement for the XXXX Shower floor mats, and other items, and due to the abusive racial slurs made directed to me, a XXXX years old senior citizen with XXXX XXXX. XXXX have accepted the termination of this agreement, therefore, there is no longer charges of dues.
Product: Checking or savings account

This dispute involves an instance of check fraud perpetrated on my personal checking account with Chase bank. XXXX XXXX XXXX was also involved, but has been very cooperative and I have no complaint against XXXX XXXX XXXX. 

Background : Someone had stolen an envelope from the mail containing two checks, dated XX/XX/XXXX, which I had mailed to my landlady on XX/XX/XXXX. One check was from my XXXX XXXX checking account, and the other check was from my Chase bank checking account. The individual who stole the checks, altered the payee name on both of the checks ( which was very obvious ) and either cashed or deposited the checks into their bank account, and, thereby, fraudulently collected the money from both of my personal checking accounts. 

The amount of the XXXX XXXX check was {$850.00}, and the amount of the Chase bank check was {$1700.00}. Both checks were cleared by both banks on XX/XX/XXXX. 

On XX/XX/XXXX, I realized what had happened and immediately reported the fraud to both XXXX XXXX and Chase bank. I submitted a notarized affidavit as required by Chase bank, and attached all of the relevant documentation to aid them in their investigation. 

XXXX XXXX XXXX took my information over the telephone and assured me that my money was insured, and that I would receive my money back if they determined this was a legitimate case of check fraud. XXXX XXXX has now concluded its investigation and will be returning the {$850.00} to me. 

Chase bank has told me that they are continuing their investigation, which can take from 30 to 60 days and could not guarantee that I will receive my money back. This is not acceptable to me. This was their negligence in allowing an altered check to go through my personal checking account thereby causing the theft of {$1700.00} from my personal checking account, and this is the reason I am lodging this complaint against Chase bank.
Product: Debt collection

This debt agency keep calling my telephone number day and night harassing about this account. I stated to them that I was n't working and had lost my job in XX/XX/XXXX but it like they do n't care what I say and keep calling my telephone like I am going to do a magic trick to cough up some money.
Product: Mortgage

I purchased a home two ( 2 ) years ago and there was an known existing land use agreement with a public utility that limit my use/building on XXXX of my land but my realtor, mortgage company or title search company concealed this information to avoid me not purchasing my home.
Product: Checking or savings account

On XX/XX/year> I went to My Wells Fargo account, ending in XXXX with my name XXXX XXXX XXXX, as the person depositing to my Registered Cashiers check from real estate proceeds transaction from XXXX XXXX XXXX in XXXX XXXX  into my bank account ending in XXXX. 
{$210000.00} Was deposited with correct Personal Photo ID, AND the Certified paperwork from XXXX XXXX XXXX who had the funding vetted and approved by XXXX different major banks .Over a combined 69 days prior to my actual deposit at Wells Fargo XXXX 
I deposited the check, then recieved a paper receipt stating my wait to access my funds would be 2 days to begin using the funds from this check. I waited 3 days went back to my bank and was flatly refused access or service by banking staff saying something was wrong with the cashiers check. 
I knew this was a direct lie. 
WELLS Fargo placed a Hold on my funds plus Social Security monthly payment. 
Total hold was for 17 days. 
I Could not honor my contract to vacate my land. Daily rent fee ordered by real estate contract to be paid to the buyer at {$100.00} a day. Duration of hold was 17 days making it impossible To get daily meals, gas, food and water for my XXXX dogs, and ability to pay my movers for the scheduled move out date. Of XX/XX/year>. 
The refused access from Wells Fargo Cost me an additional {$6700.00} in moving charges delayed my move till the Fall of XXXX  and Cost me trip charges at XXXX cents a mile fuel expense over a extra XXXX mile round trip to collect my household belongings. Paying 5 months of storage fees at {$210.00} a month at XXXX XXXX XXXX XXXX XXXX XXXX 
Wells Fargo will not accept my complaint for the delay of payment access. Blocking access at a crucial time that ended up ruining my abilities to have free access to my real estate proceeds. 
RUINED a vacate time line contract, setting into motion a seriously harmful of set of intentional damages I suffered from no access to my bank account or my Social Security monthly payment. 
I am a XXXX XXXX  Wells Fargo is negligent, and responsible for what happened to me... I will never put money in thier bank again. 
THEY CAN NOT BE TRUSTED.
Product: Vehicle loan or lease

I originated a loan in XXXX and set up autopay. Most months I see the {$350.00} being removed. Apparently my account was insufficient in XXXX of XXXX. I was laid off at that time for Covid. Every month since then, the money was debited from my account. According to Ally Bank, Ive been behind since then and have been charged $ XXXX. Ally said they never tried to call since they were being paid. I feel that is predatory and thats why I am complaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove account XXXX XXXX XXXXXXXX ACCT # XXXX because of reinsertion. This account was previously removed and the credit reporting agency put it back with updated information which is still inaccurate. Account was merely updated, and was updated inaccurately once more. Remove this account permanently for blatant inaccuracy and misuse
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX, DOB- XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A secured loan opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the the account number XXXX, A charge card opened at XXXX on XX/XX/XXXX under the account number XXXX, A secured loan opened at XXXX on XX/XX/XXXX under the account number XXXX, A charge card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, A debt buyer opened at XXXX XXXX XXXX opened XXXX XX/XX/XXXX under the Account number XXXX, A debt buyer opened at XXXX XXXX XXXX on XX/XX/XXXX under the Account number XXXX, An installment opened at XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX under the Account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX