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

While checking my last credit report in XX/XX/XXXX, and my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1 ) XXXX XXXX XXXX : XX/XX/XXXX 2 ) XXXX XXXX XXXXXXXX : XX/XX/XXXX 3 ) XXXX XXXX XXXXXXXX : XX/XX/XXXX 4 ) XXXX : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please also be advised that I sent a certified and written dispute with a copy of my drivers id and social security card to verify my identity, in disputing of the above fraudulent inquiries, and as of yet, over 30 days, and this information is still on my credit report in violation of Fair Credit reporting Act Section 611.
Product: Credit card

This is an appeal letter of Complaint # XXXX. If BOA can answers the questions on the appeal letter and the answers are correct, not just like now by not really answering the problem, I'll accept the decision and move on. What their system did to my credit gave me a 0 % of keeping my 40+ year history of never missing a payment.
Product: Debt collection

I was contacted by IDEAL collection agency sated I owed a debt when I resided at XXXX. I submitted a copy of the 60 day notice to the apartment complex stated when I was moving out.
Product: Mortgage

Axos Bank increased my monthly payment without notifying me and will not return any of my phone calls, messages, emails, or online chats. When I call their phone numbers, I am put on hold for hours and hours with no response. I want to resolve this issue with my mortgage, but they are not giving me an opportunity to discuss it.
Product: Debt collection

Today XX/XX/2020. I checked my FICO report and wanted to know why my score dropped dramatically this year. Then I saw from three reports that I owed {$170.00} to the company called " RASH CURTIS AND ASSOCIATES '' ( XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ). I checked with the original creditor " XXXX XXXX XXXX XXXX '' ( XXXX XXXX XXXX # XXXX, XXXX, CA XXXX ) and they said there was no balance that I need to pay. So I'm confused by why " RASH CURTIS AND ASSOCIATES '' still has me on their collection list and that significantly affected my FICO score.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score recently dropped 24 points for no reason I can figure out. All payments have been on time and I've made no errors. Ive been monitoring it closely and everything that influences my credit score is positive so a drop in my credit score is surprising. But a drop by that much is ridiculous. Please assist me.
Product: Credit reporting or other personal consumer reports

Please see the attached XXXX data breach claim and FTC report and remove the following unauthorized accounts and inquiries. Account : XXXX XXXX XXXX XXXX. Experian please be aware that you are the only credit reporting agency reporting this inaccurate account. Please remove the following unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chime closed my account after the 3rd stimulous posted .i just want the account reopened to change where my funds go or i will loose my house. Idk the acct number but its associated with my phone XXXX please help me this is wrong of them
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following disputed items : XXXX. XXXX Account XXXX : XXXX As a consumer by law, this account must be deleted immediately. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to let you know about some wrong things on my credit report. XXXX says I was 60 days late on XXXX, but XXXX shows XXXXXXXX XXXX  XXXX XXXX and 30 days late. Both are not right. 

I learned that the law ( 15 USC 1681e ( b ) ) says it has to be correct. But this account has different dates and names everywhere. Ill send pictures to show it.

I dont think this should be on my credit. The law ( 15 USC 1681e ( b ) ) says so too. Can you also make sure nothing changes or stays wrong? I want everything about this company taken off because of the mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The above companies are reporting false information about me in a negative way on my credit report. I am trying to buy a house and the information on my report is defamation of my character and my livelihood. I have disputed these actions with no results. According to the fair credit reporting act 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Product: Debt collection

First found out RaushSturmLLC was the firm that had a judgment palced in XXXX XXXX in XXXX  that I have never received any notification of so I contacted them finally around XX/XX/XXXX th spoke to the attorney XXXX XXXX requesting all documents supporting the judgement and what to do to reslove this in a timely manner. On XX/XX/XXXX after phone conversation to offer less settlement he declined but he said if I paid with a certified funds it would save is the 2 week time period it takes for them to verify funds that was sent priority mail on XX/XX/XXXX they received it XX/XX/XXXX the account was paid in full and resolved and per a representative the satisfaction documents would be maild the XXXX of XXXX. Multiple calls and requofor documents fax and email and oaper mail were asked by me and never sent XX/XX/XXXX I called back and XXXX XXXX said he signed and sent himself the documents to the courthouse with never received them .. so on XX/XX/XXXX XXXX after still nothing I called a live rep she stated it was still pending so I called XXXX he said I swear on a stack of bibles I sent it the XXXX XXXX  of XXXX but will recend today. As of the XXXX XXXX  I have no mail XXXX  has nothing There is much more to this than I can write but He violated our rights per statute he stated he had to follow. 
Please please help
Product: Credit reporting or other personal consumer reports

On XX/XX/year> The company sent me investigation results letter stating that my account was accurate, verified and updated. I believe I am one of many who sent in a dispute and the company did not investigate as they stated. The reason is because the account still shows multiple inaccurate and incomplete information. The errors are very obvious on this account and need to be remove because it is causing damage. This company has been reporting these errors for years even after I have informed them by mail letter that the account is inaccurate and incomplete.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX, 2019, I repeatedly received an error message from EXPERIAN when requesting a copy of my credit report. I was able to log in to the account and lift the security freeze temporarily, but I need to see the report to check for inaccurate information.
Product: Checking or savings account

On XX/XX/2023 I CLOSED my checking/savings account with Citizens Bank XXXX 

On XX/XX/2023 Citizens Bank paid XXXX XXXX XXXX  {$5.00} from my closed account. Because the account was closed there were no funds to complete this transaction resulting in Citizens Bank charging me {$81.00} in overdraft fees on XX/XX/2023. 

On XX/XX/2023 Citizens Bank paid XXXX XXXX XXXX {$5.00} from my closed account again. Because the account was closed there were no funds to complete this transaction again resulting in Citizens Bank charging me {$91.00} in overdraft fees on XX/XX/2023. 

On XX/XX/2023 Citizens Bank sent me a letter stating the Reason for Returns. You gave the company permission to debit your account but revoked authorization before the debit took place. 

I called Citizens Bank and spoke to a customer service representative who proceeded to tell me that they reopened my account and paid the funds twice on my behalf and proceed to charge me with over draft fees. 

I was unable to resolve this situation to my satisfaction with Citizens Bank. 

On XXXX I received a letter from Citizens Bank stating that they were closing my account because they have not received a full deposit to bring the account current and have sent me to Citizens Bank Collections .
Product: Debt collection

This company keeps trying to collect an alleged debt at outrageous times and hours but I know my rights an according 15 U.S. Code 1692g they are violating me severely
Product: Credit reporting or other personal consumer reports

I had a car loan through WESTLAKE FINANCIAL that began in XXXX. In XXXX, I voluntarily surrendered the vehicle due to hardship. The car was auctioned off and my balance with Westlake was {$2900.00}. On XX/XX/XXXX, I received a settlement offer from Westlake Financial that stated the following : " Our records show that you currently have a balance of {$2900.00}. For your convenience, Westlake is offering to settle this balance with a one-time payment of {$580.00}. To accept this offer, payment must be made with certified funds and received within fourteen ( 14 ) days from the date of this letter. Once you have fully performed under the terms of this offer, Westlake will close your account, release you from all your obligations with Westlake, and report your account as " Account Paid in Full For Less than Full Balance '' to the credit bureaus. '' On XX/XX/XXXX, just four days after receiving the offer, I reached out to Westlake Financial to take them up on the settlement offer, and made a payment of {$580.00}. I was told by the representative that my account would be closed within 10 business days. 

On XX/XX/XXXX, I received a notification that a collection agency, " XXXX XXXX XXXX '' had bought out my Westlake account, and that I now had a balance with them of {$2300.00}. I was also notified on the same day that XXXX had received a report from Westlake Financial that they had " charged off '' the amount of {$2900.00}, which is {$37.00} HIGHER than my original balance with Westlake. 

I have reached out to both Westlake Financial and XXXX XXXX XXXX to no avail. No one can help me. My credit is suffering due to these mistakes. 

Finally, I filed a dispute with XXXX on XX/XX/XXXX as a last ditch effort. Their investigation was ongoing until XX/XX/XXXX. They have not assisted in any way, and in fact made it worse, by changing my Westlake Financial account to say that {$3200.00} was " charged off '' instead of the original {$2900.00} that Westlake had reported as " charged off. '' I truly do not even know where this number came from. My balance with Westlake was never {$3200.00}. 

I have nowhere else to turn. No one will help me, and my credit is suffering due to the carelessness of these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, ny XXXX SSN : XXXX | XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX I recently reviewed my credit report and found some accounts that do not belong to me. As you know, listing these accounts on my credit report is a violation of the Fair Credit Reporting Act. I demand that you remove them immediately : Account Name : XXXX Account Number : XXXX Reason : Account is fraudulent Please respond to me with an updated copy of my credit report once these accounts have been removed. 
Thank you, XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I filed a complaint on XXXX regarding funds that were removed from my account after the company had agreed to a {$45.00}, then a {$96.00} short term relief agreement. I then contacted the company after nearly {$500.00} had been removed from my account. I requested my payment which would have been due on XX/XX/2020 to be pushed back 2 weeks in order to allow me time to contact the company to settle the original matter, which they emailed me they would. I then cancelled my ACH debt agreement on XX/XX/2020 to allow me more control over the situation until the matter could be settled. I received an email from the company within hours of me stopping my ACH debt revocation stating they were going to refund me {$450.00}. They then sent me an email stating I immediately owed {$360.00} which was due on XX/XX/2020 that was presented to my bank and returned. I have contacted my bank and this is a lie. The aforementioned amount was never presented to my bank, in addition they had already agreed, which I have email proof, to delay the payment to XX/XX/2020. I am tired of being lied to continuously by this company. They now no longer have lending privileges in my state. I have already repaid this loan back double the amount I originally borrowed.
Product: Credit reporting or other personal consumer reports

Since XX/XX/year> I was not able to view my credit report. I called Experian and they and submitted all my information for them to update my credit report and this has been going on every month since then. Till today I can not view my credit report with Experian. The only thing they did was mail me a credit report on XXXX! XXXX.
Product: Debt collection

A very professional Collection Notice was sent to me regarding a valid home insurance plan I have for my heating system. Once I verified with my insurance company that my account is in good standings, they also told me that they do not work with collection agencies, even if my account was overdue with payments. I then called the phone number for the collection agency directly to inquire. Once I explained that I verified my account was in good standings, they simply said " oh ok ... we'll delete this notice and please ignore ''. This sounded very fishy to me.
Product: Credit card or prepaid card

called citi on XX/XX/2020 shopping for a 0 % balance transfer offer. accepted one for 12 months 5 % fee. at no time was i made aware that the term would run from when the offer was made and not when it was accepted. citi claims the offer was made in XXXX and while i might have received a mass mailing about balance transfer offers i was not specifically made aware on XXXX that the term began in XXXX before i was even aware of the offer. if i had been made aware i would not have accepted the offer for 12 months which was in reality an offer for 10 months.
Product: Credit reporting or other personal consumer reports

My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I ', really XXXX and XXXX  with these XXXX. Should be there be any updates on my inquires, I " gon na go to court. 

Unknown Collection XXXX XXXX XXXX XXXX INQUIRIES XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

On XX/XX/scrub>XXXX XXXX XXXX I received an alert on my phone about a collection being added to my consumer report by a company named IC SYSTEMS INC for a sum of {$750.00}. This company never contacted me by phone or through mail correspondence and took it upon themselves to report this collection on my consumer report. I called both XXXX and IC SYSTEMS INC to make them aware that this collection is NOT mine and that I disputed it before with the previous debt collection company named XXXX XXXX XXXX, who I sued and won and I sent them proof that I never lived at the address where the debt originated from. I had a Fraud Alert for 2 years on my consumer report during this time and yet they still have not removed the collection.
Product: Credit card or prepaid card

date : XX/XX/2022 amount : {$2000.00} My TD credit card was stolen 3 months ago and was used for {$2000.00} at the XXXX XXXX 
I got a text asking if it is me and sent back No immediately and also called the TD credit card and it was stolen. they closed the card. 

I spent so much time waiting in line for the call to get this resolved. I even faxed the police report for the case. But they don't give any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted proof of an FBI investigation identifying me as a victim of fraud to all three bureaus, and only XXXX thus far has deleted the erroneous and incorrect information from my credit file. 

XXXX and Equifax need to delete this information immediately.
Product: Mortgage

My name is XXXX XXXX, the note is in my deceased husband 's name XXXX XXXX. After he passed away and before COVID, I decided to do an assumotion on the property. working with XXXX XXXX XXXX, only to be advised by them to stop paying my mortgage during covid, because those payments will be " place to the back '' once covid was over and the assumption process was complete. Only to recieve a Forclosure Notice. Now please know, I was still paying {$600.00} a month for the lawyer, only to be hung out to dry during the first XXXX apperance, and yes, the lawyer debted my account the same morning and didnt show. Fast foward go back and forth to court trying to save my home working with XXXXXXXX XXXX XXXXXXXX. They hung me out as well. They lawyer did not appear the day the judgement to forclose was entered. I continued to talk to Wells Fargo on my own behalf since. I summitted the paperwork after they stated if could prove my income was adequate enough to be approve for the modification then it would be approved. I summitted new paperwork everytime my income increased so that they could be aware. On XX/XX/XXXX after talking to them verifying all the paperwork to make sure itvwas complete, on the XXXX I recieved a call stating the application wont be reviewed because I was now 3 years deliquent and they didnt have to. I asked why I wasnt informed of this 2 days prior while on the phone with them, I then asked on what date did I become deliquent, she stated on XX/XX/XXXX, I then informed her I summited my paperwork on the XXXX of XXXX, again she stated I was still too late. So this where I'm at now, I HAD a sell date for XX/XX/2023, it has since been pushed back to XX/XX/2023, after I informed that I will be filing a complaint, that I wanted this account to be investigated. I want to know if there has been any wrong doing on this account. Whats sad about this is that I only wanted to do the assumption in hopes of the mortgage being lowered, since my husband had passed and it was on my income now. The mortgage went up from XXXX hundresd to almost XXXX a month. What makes it worse is that that is what the mortgage is now XXXX a month and has been there for 8 months now. As I stated to them I believe defrauding this account was easy be my husband is deceased. And if there is any wrong doing I want to know. Ive made mistakes, mistakes that I am deeply ashamed of while battling XXXX after lossing my husband then while struggling with XXXX again after lossing my job of over 20 years. Im in a better, stronger places now.
Product: Credit reporting or other personal consumer reports

Experian is reporting XXXX different addresses on my credit report that doesn't belong to me XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX XXXX XXXX. XXXX, TX. XXXX are not my addresses
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed items with XXXX  and Experian on XX/XX/2020 and today is XX/XX/2020 and still no reply, its been well over 30 days and I would like for these accounts removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im asking to verify the hard inquiries on my experian report and I have talked to customer services I was mistreated and not helped I have wrote called still no result please remove all hard inquiries from my report
Product: Debt collection

XXXX on XXXX took out my monthly dues then took them out again on XXXX. I spoke to the owner and he put it back on XXXX and the same day charged my card again. 
that month they charged me 3 times and on XXXX i did receive XXXX of them back from my bank. XXXX Still owes me for XXXX withdraw which was {$76.00}. The owner and I did have words after he took it out for the third time and was so rude about it even to the point of harassing me. At this time I told them they were not allowed to access my bank account anymore and that I would no longer be a member after the way he had come at me. No even 3 weeks later I receive a bill from Bilateral Credit Corp. saying I owed XXXX {$1500.00}. 
I never received a letter from XXXX or anything. In fact they still owed me one month of tanning because they never paid me back. It costs {$76.00} a month to be a member and in two weeks I now owe them {$1500.00} even though still have n't paid me back. The owner did this to XXXX with me and credit agencies let me them get away with this because they are members.
Product: Credit card or prepaid card

XX/XX/XXXX I have lost my payactiv card and it was used for a transaction of XXXX and XXXX .... since then they have been " investigating '' said amounts and also stated they'd provide provisional credits if it took longer on an email they sent... They have not since returned my money. When I call, ask they do is transfer me around.