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

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) an an XXXX its ( XX/XX/XXXX ) and on Experian ( XX/XX/XXXX ) If the information is coming from the original credtor the dates should be the same. We can not say these account are XXXX XXXX accurate so it is deemed INACCURATE. Please delete this account from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have not been successful.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXXXX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance : {$0.00}, and XXXXXXXX XXXX XXXX XX/XX/2023. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Mortgage

On XX/XX/22 HSBC Bank transferred my mortgage servicing to XXXX  mortgage servicer. I was under the covid forbearance plan, XXXX claims they received no paperwork related to the covid forbearance I am on. There has been no good faith effort, on HSBC 's part to send any and all records to XXXX. The records must include the phone call 's I made as in those calls, it was verbally promised I would be able to defer all the missed payments to the backend of the loan. XXXX says they have no paperwork and therefore I am under threat of foreclosure.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

My original Home Loan was through XXXX. During the last year, NewRez took over the loan and since has been incredibly difficult to work with and contact. Their customer service lines routinely loop me through menus to where I can not contact anyone. Their online chat features are clearly AI that are not designed to help with any complex or detailed problems. They have 3 different number to call and all loop me through the same menus. Their delay in me contacting them is resulting in my household paying more in PMI month over month while they review when this is money I believe I should not have to be paying. It feels that they are stalling the process to continue to collect money that they should not be collecting. 
NewRez is not the company I chose to have my home loan through but instead I have been forced to use them. If i could have them sell it to another company that cares about their customers i would happily do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX, 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, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which were opened without my knowledge, consent or authority. The following inquiries need to be removed as they are fraudulent. 


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

Citibank N.A. sold my credit card debt of {$1800.00} to a third party, XXXX XXXX XXXX ( XXXX ) and charged off my account on XX/XX/XXXX. On XX/XX/XXXX, I entered into a settlement agreement with XXXX for {$830.00}, I paid off the agreement and XXXX removed their entry from my credit report. I have since disputed Citibank 's entry with the credit bureaus multiple times and Citibank keeps providing false information to the bureaus that my debt still has an outstanding balance of {$1800.00}. I have tried to call to Citibank, most recently XX/XX/XXXX, and their phone system will not allow me to talk to anyone because the account has been sold. I have written Citibank a letter through the US mail on XX/XX/XXXX and they have not responded.
Product: Credit reporting or other personal consumer reports

Ive tried to reach out to the XXXX credit bureaus multiple times ( XXXX XXXX XXXX ) the first problem I have is with an unknown account called XXXX XXXX XXXX Ive never used that Ive called them to ask what was it they didnt help me but it magically was removed the next day I told them about my account being exposed in a data breech maybe thats where these unknown accounts are coming from I was told to reach out to the federal identity theft but this has gone on for far too long secondly I have an account thats closed & paid with XXXX XXXX XXXX XXXX they arent reading my dispute to even see if its correct I even asked for proof they just decline my disputes I have an unknown collection for XXXX they still havent provided proof of this account was from me.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXXXX/XX/year>
Product: Credit card or prepaid card

I signed up for the Southwest Chase credit card when I was prompted to at checkout on Southwest 's website. The promotion was about a {$200.00} statement credit after first purchase, and then a miles promotion after spending xyz amount in the first few months. I was most interested in the {$200.00} statement credit, which shouldn't have an expiration date, according to the fine print. I got my card back in XXXX, paid the annual fee, but haven't had a reason to use the card until now ( booking flights ). I called a Chase representative to ask about my {$200.00} credit and she claimed I never had the promotional offer in the first place. I know this happens to a lot of people and I feel a little ridiculous falling into the trap, but for a company as big as Chase and Southwest, it seems absolutely ridiculous they can get away with this. I would cancel the card, but I don't want to ruin my credit score.
Product: Money transfer, virtual currency, or money service

Cash app defrauded me XXXX XXXX is my account name
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud items on my credit report since XX/XX/XXXX. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is signed and attached with an FTC and Identity Theft affidavit, yet the bureaus are still not taking any actions. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the accounts claim to be mine. Not only have I not received any mail showing the verifiable proof needed to justify the items to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money with no end in sight and no results to show. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! THE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 

XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX  XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$87.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance XXXX XXXX  ; XXXX XXXX Date of inquiry XX/XX/XXXX ; XXXX XXXX Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX ; XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Student loan

XXXX is my loan servicer. They asked me to complete my income based loan repayment certification, and that they would send me a letter updating my loan payment details. I submitted this before the deadline of XX/XX/2019. Now, my payment has doubled without any communication from the company. When I logged onto my account, they had put my loan in the Revised Pay as You Earn, instead of keeping the Income Based Repayment repayment plan even though my spouse and I file separate taxes. When I called the company regarding this change on XX/XX/2019 at XXXX and the large monthly amount due, the first customer service representative said that half of my consolidated loans had been taken off of income-based repayment and put back on the standard repayment plan, in addition to the other half being put on Revised Pay as You Earn. This is very alarming as it means any interest would have been capitalized and added to my loan amount as soon as the Standard Repayment was put into effect. Furthermore, this would make these loans no longer eligible for PSLF program which I am eligible for. The representative then proceeded to put me on hold again for an additional 20 minutes until the phone line closed. I am struggling to get in contact with anyone that can help me.
Product: Vehicle loan or lease

I leased a car from XXXX in XXXX  XXXX, MO. Paid for it on time for 2 years when the transmission went out. I paid the {$500.00} deductible for XXXX to take it to the mechanic of their choice to put repair. I got the car back 4 weeks later after threatening to call XXXX XXXX XXXX to have their Problem Solvers team try to get my car back. I then drove it 5 months and the rebuilt transmission started acting up. XXXX told me to drive it to their office in XXXX ( 88 miles from my home ). I did so that day. They told me the transmission was going out again but I'm 6 miles over the warranty so I have to pay another {$500.00} deductible to have it repaired again. I asked if I could pay the up charge to get a different vehicle this time. They said I would still have to pay to have the transmission replaced because I can not turn in a car that is not in the shape it was when I purchased it. They said the only other option is to pay the {$2000.00} to get out of the lease. I asked if I could write a check, they said no it would have to be money order or cashiers check. I went to XXXX  XXXX XXXX and got a money order, took it back and paid to get out of the lease. They said they would get paperwork to the bank and I would recieve it within 90 days. At the end of the 90 days I called XXXX they said I needed to call the bank that financed it & gave me the number. I did the bank representative told me they send all clossed account info to XXXX  who then sends it to their customer & I am the customer so I need to take care of it with XXXX. I called XXXX back & the person I needed to talk to was " on the other line '' so I called back 3 times a week, always being told the above excuse or that person " is not in ''. I did this weekly until they closed that location. I tried to call the other location and was told they have no way of pulling info from the closed location. So I had no choice but to hope my {$2000.00} payment went to what it was meant for. Now I see it didn't and Federal Pacific Credit Co, LLC now owns the rights to the lease/loan and are trying to make me pay the remaining balance through their collections dept named XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX2017, I learned Equifax has mishandled and was blatantly negligent with my personal information, up to and including my Social Security Number, address, phone number, name, and any other information pertaining to my credit and identity security. I learned through their website that, due to their negligence, my information has been compromised. As it is completely unacceptable, I wanted to forward this official complaint in hopes that the situation will be rectified and they will receive the full penalty of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a collection for Santander Consumer USA was filed and placed on my credit report. On XX/XX/XXXX I sent over a debt validation letter after months of trying to dispute this fraudulent account on my credit report in all three bureaus. They have consistently stated this account is mine and have not provided any proof nor documents as requested multiple times. They have violated my rights under the fair credit reporting act for not sending me documents to validate the debt nor remove it from my credit report. It has numerously came back accurate with no explanation whatsoever to the credit bureaus. This account has further prohibited me from obtaining other loans and credit accounts and has effected my financially and mentally.
Product: Credit card or prepaid card

I received a call from customer service at TJX Rewards Card/XXXX XXXX to confirm some charges on my account, and after speaking with him I realized there were quite a few fraudulent charges on my account, and he removed the charges and issued another credit card to me. I also had to submit a fraud claim and the fraud claim was denied as the bank said I benefitted from the charges, which is not true. I wrote the company a couple of times. I requested back up of these charges because I wanted to check the signature. The signatures do not match. Coincidentally, a fraudulent credit card ring was captured in my area not too long after the charges were made and they were housed in the area in which some of the charges were made. I 've closed the account and I wish to pay XXXX XXXX for the charges that I made, not these fraudulent charges. I have quite a few credit card accounts, and have no reason to make fraudulent charges. I would like the fraudulent charges removed from account as well as interest associated with those charges. I would like to know what my final bill is and pay it off immediately.
Product: Debt collection

Date of transaction : XX/XX/XXXX ( had 3 days to cancel ) My mother XXXX XXXX XXXX ) started security service with XXXX and was satisfied with service. the initial term was 60 months at {$49.00}. No activation or installment charges. Auto payments were coming out. During this process I was with my mother because she's an elder. 

On XX/XX/XXXX a male approached our home and represented himself as an XXXX rep and told my mother that XXXX was being bought out by XXXX XXXX XXXX and needed to change out the alarm system. Rep wrote and handwritten note and had her sign that she cancelled the service. XXXX sent a card approx. XX/XX/XXXX to pay of XXXX. I called XXXX and paid. Shortly after XXXX system was installed an XXXX rep came by and ask why the sign was down. 

If XXXX was bought out by XXXX the contract end on XX/XX/XXXX. We called to cancel services once XXXX installed new security system. XXXX  services started XX/XX/XXXX. I told them I would send the system back and now they say that my mother owes {$540.00}. I feel that XXXX  rep took advantage of my mother while I was not in the home, and she did not have a full understanding. Also, I have several documents to provide if needed. My mother should not be charge anything since XXXX bought out XXXX. My mother has never had an email. The contract with XXXX should be honored which ended on XX/XX/XXXX. This is elder abuse, and I would like to file an official complaint.
Product: Checking or savings account

Axos bank account was closed on XX/XX/XXXX and all of the money removed from the account. 
There was an old recurring automatic transfer order to transfer money from my other account to Axos bank once a month. On XX/XX/XXXX after the account was already closed Axos bank initiated this transfer. I received a confirmation email that Axos bank received the funds on XX/XX/XXXX. I sent a message to Axos bank on their portal asking that the money be returned ASAP. I then called Axos bank on XXXX and spoke to a representative who said the funds will be rejected as the account is closed and electronically sent back to my other bank. I have not been able to log into the Axos bank account again since that time because of " scheduled maintenance ''. I called Axos bank XX/XX/XXXX and they said that they sent me a message in the app on XXXX ( which i can't long into and which they can see that i can not log into ) stating that they mailed a cashier 's check with the money to the home address on file. This is the wrong address. They did not verify the information with me and this is not the information i was originally told. They also did not provide any tracking information for the check. So essentially Axos bank initiated a transfer that should never have happened from a closed account and then sent the money by mail to an address that I no longer live at without verifying the information with me. I think this is unacceptable because the account was CLOSED already. They can not assume that the address in a CLOSED account is up to date.
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 trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ACCT. # 7569965, 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: Debt collection

I recently checked my credit report on XX/XX/XXXX to check the status of a dispute. The dispute was with The XXXX Apartments located in XXXX, NV XXXX. I was a resident there for 1 year and completed my full 12 month lease ( XX/XX/XXXX ). Once I moved ( XX/XX/XXXX ) I was verbally told by the property XXXX ( XXXX XXXX ) that I would be given a final bill sent to my new address in XXXX XXXX, CA. I noticed on my credit report that I was sent to collections for the amount of {$1700.00} on ( XX/XX/XXXX ), however my report also states the collection amount was updated on ( XX/XX/XXXX ). I would like this removed from my credit report in full due to not receiving a fair bill sent to me as I was instructed by the property XXXX, and I had no idea my final bill was in collections until I looked at my credit report. The collection agency address is : XXXX XXXX  XXXX  XXXX  XXXX, GAXXXX ( XXXX ) XXXX