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

I appreciate you making an effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I ordered a early warning report to see what was on it and I see Wells Fargo reporting personal information on early warning about my banking transactions and I dont bank with them for XXXX and how did they obtain my personal information without my knowledge or consent XXXX  XXXX XXXX which is my personal bank also sharing my personal information which is a big let down because I bank with this company and thought my personal information was being protected
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized inquires on my credit report I did not authorize.
Product: Credit reporting or other personal consumer reports

XXXX AND XXXX XXXX, XXXX ARE FRAUDULENT ACCOUNTS REPORTING ON MY XXXX AND TRANSUNION CREDIT REPORTS, THE CREDIT BUREAUS WAS NOTIFIED OF THE FRAUD BEING REPORTED ALREADY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm being harrassed by companies that I do not have any contract with, nor are the accounts belong to me. I've experienced emotional distress fighting to gain my true identity back. These companies has been asked to submit a certified physical documentation of their Method of Verification but has failed to do so, therefore I'm demanding that these accounts are blocked from my credit files immediately. 

1 ] XXXX  {$940.00} 2 ] XXXX XXXX {$1000.00}
Product: Credit reporting or other personal consumer reports

Good afternoon, I request XXXX, XXXX and experian to update these XXXX mortgage late payments but never did it. Furthermore, I paid a comapany to fix this and for XXXX they delete the mortgage account at all and never receive an explanation for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

2. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

4. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

6. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.

7. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.

8. Identity Theft TOYOTA MOTOR CREDIT Account Number : XXXX**** This is not mine.
Product: Mortgage

In XXXX of XXXX, my ex-husband and XXXX XXXX XXXX requested that I be removed from the deed to the home so he could qualify for the mortgage on his own after being awarded it in our divorce. I happily complied and was not privy to the new loan terms because my credit and income were not used to qualify. They changed the mortgage terms without my consent, wrote " N/A '' on the new note 's signature line for me, yet continue to report to credit to this day. It is illegal for a creditor to report a liability to one 's credit if their signature is absent and they have not agreed to new terms. I have since gained access to a copy of this new Note, which they do not admit exists when disputed with the credit reporting agencies. A contract can NOT be modified without all parties ' consent, and I would have NEVER agreed to the recitals, an increase of {$100000.00}, a deferment of {$240000.00}, or this balloon mortgage with a 50-year term. This reporting has caused significant credit score damage over the last ten years because of the high credit limit of XXXX ( original balance ) versus the now XXXX balance, late payments on my ex-husband 's mortgage, and, most recently, his preforeclosure proceeding. After XXXX serviced the loan in XXXX, it went to Bank of America for servicing, which began the preforeclosure process. I spent years disputing this account, and no one wanted to acknowledge the errors in that process and reporting regarding their inherited mortgage. It was service transferred to XXXX XXXX XXXX, and they have further damaged my credit and continue to report even after referencing the modified mortgage note with my missing signature. In fact, XXXX doesn't even claim they have a copy of the XXXX note, which only my ex signed, yet they are reporting the terms of it to my credit. Just recently, I received a call from Bank of America again regarding a loan that has some connection with that home and mortgage, and I am fearful again that this vicious cycle will continue. It is fraud to write " N/A '' in a live and well person 's signature line. That note should not have had my name listed if they were not in need of my signature, and it should certainly not be reporting to my credit with terms I did not contractually agree to. XXXX, Bank of America, and XXXX have XXXXnored my requests to remove this from credit, and they have ignored the legalities behind reporting a liability that was not executed. I was not required to sign because I no longer had an interest in the property, and my credit and income were not used to qualify. THEN WHY IS IT BEING REPORTED AS MY LIABILITY???????
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting credit act XXXX XXXX aka XXXX account # XXXXhas violated my rights. 

Under 15 U.S.C 1681 section 602 states I have the right to privacy Under 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15U.S.C 1666B ( A ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

WF tried to foreclose on my property when they had lost XXXX payments that were sent in after they sent foreclosure notice. They agreed that the payments were lost as i provided bank transfer records that they could see the payments sent to their bank. They continued to tell me once the foreclosure process started that they couldn't stop it. So two days before the auction day, i sold the property to an investor in a subject to contract. The day after i did this, WF overnighted a letter to me telling me they were going to postpone the sale for another month until they found the payments. I had already sold the property for nothing just to keep a foreclosure off of my record. They never found the payments and i stopped pursuing the issue. I was rendered homeless with my children at the time and neither WF or the investor were willing to help me. I lost all of my investment in that property. 

They also found foreclosure fees during that time which they never should have. They refunded the fees in 2022 but it did not include the 8.5 % interest that Texas requires. They also did not refund all of the fees, only some. They told me when they find an error they dont have to pay interest on money charged inaccurately. 

During the whole life of the loan they moved payments and partial payments into a fund called unapplied. They would send late notices when the money for payment was sitting in unapplied funds. 

Before the foreclosure I applied for assistance and was told i only qualified for a short sale. They are horrible to work with. I have tried on multiple occasions to discuss these matters with them but they still can not see that any wrong action was taken.
Product: Credit reporting or other personal consumer reports

The past disputes were sent for these 2 accounts over 60 days ago that were unverified and not accurate in reporting. This is a violation of the FCRA and I DEMAND THAT THEY BE BLOCKED AND DELETED FOR NOT MEETING FCRA REQUIREMENTS. NO VERIFIED PROOF WAS SENT TO ME TO PROVE THAT THESE ACCOUNTS ARE TRUE AND ACCURATE. DELETE AND BLOCK THEM FROM MY CONSUMER REPORT IMMEDIATELY OR FURTHER LEGA ACTION WILL BE TAKEN.
Product: Student loan

I went to the XXXX XXXX XXXX XXXX XXXX in XXXX. I entered the school without my GED at the time and was enrolled right on the first visit, taking out federal and private loans. ( Received my GED after 1 week of school ) I was lied to about transferring credits to a university in XXXX. I had to complete my 2 years and then had to start as a freshman in the university in XXXX. Upon graduation, my parents paid off 2 of the private loans, because of the the interest rate at 13 %?! I have one private loan I am still paying on from the XXXX XXXX. I have currently made payment sum of {$31000.00}. on a loan principle at {$20000.00}. Total Fees at XXXX. Total Interest accrued {$11000.00}. My federal loans were all discharged from borrowers defense case from school misconduct. I firmly believe that my case should be automatically approved for school misconduct discharge. I did not receive any information from Navient about the discharge or application. I stumbled across the information from XXXX, considering reconsolidating the loan. I have downloaded the application and emailed it. Please review it. I have attached email transcript between the school XXXX concerning credit transfer denial due to accreditation, school transcript of entering as a freshman and having to take out more loans to complete 4 year program instead of XXXX with my XXXX XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX XXXX XXXX made a mistake on their end and told me to return items online instead of in store, the associate I spoke to said I can keep the items or give them away. i notified that to Chase and even gave the proper documentation of what was going on it seems as if they're still confused on how the claim should be processed because the categorized it as fraud which I did make the purchase, but XXXX XXXX owes me money back because they were at fault. This is totaling at {$4200.00} and XXXXhase 's disputes team called me XXXX day still acting confused as to what's going on as if the screenshots I sent them explain everything. Chase didn't even notify me until I see my account negative over XXXX XXXX dollars. XXXX XXXX are frauds and stole my money even though i returned the product it's in all the screenshots I sent and they never refunded me. I need my money back or there will be very serious consequences for both XXXX XXXX and Chase. XXXX XXXX should not be contacted whatsoever I already talked to them and they told me to kick rocks, so i charged back with my bank and Chase categorize it under the wrong thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below are the inquiries which I do not recognize and most certainly did not authorize by these creditors. No new accounts ever resulted from the inquiries. I am a past victim of identity theft many years ago. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Date of birth is : XX/XX/XXXX Name : XXXX XXXX XXXX Last Four of SSN : XXXX Credit Monitoring Member ID : XXXX These inquiries are causing me to be denied credit for no other reason than excessive inquiries, which drastically affect my FICO score and affect the rates I pay on personal and business credit. 

Please have these inquiries immediately removed from my credit file. Thank you in advance for your understanding and consideration. 



These inquiries are causing me to be denied credit for no other reason than excessive inquiries, which drastically affect my FICO score and affect the rates I pay on personal and business credit. 

Please have these inquiries immediately removed from my credit file. Thank you in advance for your understanding and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I recently pull my credit and i noticed a few accounts showing on my credit report that i do not have any knowledge about. Before reaching out to Experian, XXXX and XXXX, I call each company to report what happen. I am a victim of Identity theft. I have never done any business with these companies. I then called the credit bureaus and they said i need an FTC report. I have attached the report along with my Drivers license and Social security card.
Product: Debt collection

I was incarcerated on XX/XX/XXXX when a Discover Card account was opened in my name by my mother. I did not have knowledge of the account and I did not consent to her opening an account in my name without my knowledge or use. I did not apply for a Discover Card and I did not receive a Discover Card. I have never lived XXXX XXXX XXXX, XXXX, GA XXXX nor have I ever lived at a an address on XXXX XXXX, XXXX, GA XXXX. I informed Discover Card of the identity theft. I also informed Discover Card my mother applied for the card without my knowledge or consent. I also provided Discover Card identity theft affidavit ( s ) as well as a CitXXXX of XXXX police incident report stating I did not apply for or open the account for which my name appears. 
Discover card closed the account, however they reopened a separate account in my name refusing to remove the liability and {$17000.00} debt from credit reports stating I should have known my mother applied for a credit card in my name. I have also provided Discover with proof I was incarcerated from XX/XX/XXXX, XXXX XXXX, XXXX ; the fraudulent account having been opened XX/XX/XXXX. 

Please investigate this matter because I should not be held accountable for a debt fraudulently made for which I had no knowledge.
Product: Money transfer, virtual currency, or money service

I need to fix the problem about my money is frozen. I cant use my account for no reason. I need to know what happen and get my account free to go away with my money
Product: Money transfer, virtual currency, or money service

On XXXX XXXX and XXXX I did a bank transfer from one account to my BOA savings account. On XX/XX/XXXX and XXXX BOA did an ACH correction where they deducted 2 {$400.00} amounts from my account. On the XXXX of XXXX I spent the entire day on the phone with my external bank and BOA. BOA was saying the external bank requested the funds to be returned. My external bank said " they didn't request the return, the money cleared my act just fine ''. I ended up going to the branch to physically show them that the money was cleared out of my account. The BOA rep started a claim. On the XXXX of XXXX I was credited {$400.00} for the XXXX of XXXX Then on the XXXX the of XXXX the same two - {$400.00} were taken out of my account. I went back to the branch, the rep got on the phone and started another claim. Today XXXX, I received a non description letter sayin after their research we have determined no adjustment need. THAT'S ALL THE LETTER SAYS!!!! So I call BOA back and low and. behold the " research dept doesn't speak to customers, we don't even have a direct number for them! '' WHAT KIND OF XXXX IS THAT!?! BOA has access to my money, can do whatever they want, and don't have to give an explanation. This is unacceptable. I WANT AN EXPLANATION!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

They are not incompliance and I want this issue resolved asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information XXXX XXXX XXXX XXXX XXXX the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX 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

My chime account was closed was closed XX/XX/2022 and I didnt get a warning email to remove my funds. They just closed it and sent and email after, I contacted them about my funds and they have been charging my account STILL!
Product: Checking or savings account

I am a victim of Theft, Fraud, I have enclosed a letter I sent to the FTC and Police Report and Commision on Crime. I was threaten and coerced to purchase gift cards and withdrawl money from my account to fix my computer. This was not my fault
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still showing a Debt Collection that is no longer open and has been requested for a deletion by XXXX XXXX XXXX. This was requested on XX/XX/2017 but has yet to be removed from Equifax credit report. This is a direct violation of Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Per XXXX XXXX XXXX response to compliant ID XXXX " We have followed our dispute policy and haven't had any further communication with the consumer. No future follow up is planned. Our dispute policy is once we have received a dispute we immediately stop all collection efforts and send a record of dispute to all three credit reporting agencies. Then we request validation of the debt from our client and once that is received we forward that on to the consumer for review. If validation is unobtainable then we immediately send a record for deletion to all three credit reporting agencies and then close and return the account to our client. Additionally, in this instance a record for deletion has been sent to all three credit reporting agencies. ''
Product: Checking or savings account

The bank arbitrarily froze my account and there is no way to get in contact with the department responsible. All I am able to get is the vague promise that they will reach out to me to review what is going on, and in the meantime I am completely locked out of my account. I can not even access basic services like statements and in the meantime my money is tied up indeterminately and I can not access it at all. 

I was told this " review '' process can take up to 90 days, which is completely unacceptable for an account where I have my money to pay monthly dues. And the only way to get past the block is to wait for a call that will come at the bank 's discretion since I can not initiate the communication myself.
Product: Checking or savings account

I went to Wells Fargo XXXX XXXX XXXX and spoke with XXXX XXXX branch manager. I had wanted to open another business checking account and he said he couldnt open another account for me because he was not trained with documents I provided and that his other manager wasnt available for communication. He further wanted to keep my information for a later date and made me feel uncomfortable like he wanted to steal my information.
Product: Credit card

Chase Bank Visa card.fully paid each month. I calculated 12 months in year XXXX, three times. 
I couldn't believe it. The returned item credit and other credits that are shown on statement do not reduce the charges. When I complained and asked them to calculate 6 months statements with error. They refused to refund me {$1000.00}. 

I complained about this issue in year XXXX and XXXX and I was brushed off. This time the agent wrote me, it is interest. Not only it is fully paid automatically, but sometimes I submit full payment manually two weeks prior to due date. The interest charges on statement is {$0.00}.
Product: Checking or savings account

This bank is a joke This is a separate issue than the one reported previously I am told by customer service I need to go to a branch in person they dont know why and the branch says the same thing I received this communication from this bank which is incorrect. The person they previously assigned to resolve my issue has not reach out to me even once. I will see what happenes with this issue.
Product: Mortgage

my spouse 's name must be removed from the credit documents as he does not own this property and by his execution of same it would give him an interest which he has already waived by execution of the Quitclaim Deed