23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have had a terrible experience with being inappropriately charged with paying a recurring " ghost loan fragment '' on XXXX of my HELOCs ( Home Equity Lines of Credit )! 
There are XXXX concrete recent examples of my bank INCOMPETENTLY and INCORRECTLY servicing my HELOC payments : ( 1. ) Early this year, the bank incorrectly showed on my account statement, that my principal balance had been paid down to {$0.00}. In actual fact, they neglected to post an {$8600.00} transaction ( using a check to buy shares of a particular stock ) to my HELOC account balance. I repeatedly went to the bank and personally PLEADED with them to examine and find this amount! I was being completely honest and forthright with them! This was a serious bank error which would have been in my favor! My experience is that the Personal Bankers would say, " Oh, I 'm not in the Loan Department! That is not my responsibility! '' To make things even worse, they have recently revealed that my bank DOES NOT EVEN HAVE a PHYSICAL LOAN DEPARTMENT! Therefore, when a problem with a HELOC emerges, there seems to be no XXXX available to correct or address the issue! Instead, there is a collective shrugging off and abdication of responsibility! 
( 2. ) Just over the last month, after I finally got the bank to post the {$8600.00} amount to my HELOC principal balance, I was very eager to pay it off, and obtain a " true zero '' ( {$0.00} ) balance on my account. On XXXX XXXX, 2015, I did pay the principal down to {$0.00}. I even obtained a printed ACCOUNT INQUIRY, showing that this was, indeed, the case! But the very next morning ( on XXXX 2015 ), I awoke to see a balance of {$5700.00} ( along with accrued interest ) back on my HELOC account! I was completely enraged! What is going on? I had to go and argue with the BankManager, calling the Regional President 's Office ( who was out of town, on vacation ). " I am filing a formal complaint! '' I bellowed. Finally, the local branch Manager said that she would fix the problem, and told me to have a nice day! " I 'm not having a nice day! '' I shouted. " This is totally ridiculous! Why would I ever want to get another HELOC from this bank? '' Well, apparently, the local branch Manager finally did correct the issue, as my HELOC principal balance is now back down to " true zero '' ( {$0.00} ). And I did get a phone call from the President of Marketing, who asked me about the problem. THE POINT IS, I SHOULD N'T HAVE TO BE GOING THROUGH THIS TRAUMA! AND NEITHER SHOULD THE LOCAL BRANCH MANAGER! MY BANK NEEDS TO GET THEIR BOOK-KEEPING OF LOAN PAYMENTS CLEANED UP! THEY ARE NOT BEING RESPONSIBLE LENDERS! I can only hope that another " mysterious ghost loan fragment '' does n't somehow REAPPEAR, again, on my HELOC principal balance!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with XXXX about student loans because of how the change was made on the enrollment form to change my identity in the year of XXXX, The SSN number written on top of the enrollment form is not my handing writing and the student ID number is not the one use in the school.That the reason I know my identity was changed on the enrollment form.I have never given anyone permission to change my identity.I am very competent in understanding when my signature has not been signed electronically or any other form XXXX all information all this came out during the pandemic in XXXX school is now closed according to their website which was located XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX have been fighting my identity with XXXX for past 21 years because somehow XXXX had in their system my daughter SSN number for me since XXXX, which that should have never occurred because I uploaded the information on those days ; The dispute days XXXXBy law once an account has been deleted it can not be put back on your report the amount of XXXX was deleted on the dates above which was not showing on my report and a letter generated that it did not appear.There was an account with XXXX that the representative stated was a snippet from XXXX after years of fighting my identity with XXXX.By law you can not go back and add an account once it has been taken off.Which you all put it back on my report XXXX XXXX after sending a letter stating that it does not appear on your report On XX/XX/XXXX and you all sent a letter to unfreeze my credit report, which I did not request that to XXXX or any other affiliate of XXXX I only disputed the information on the above dates that are listed.There were two letters generated on XX/XX/XXXX and XX/XX/XXXX that the item does not currently appear on your credit report.Reason I am filing this again is because it was put back on my credit report after it was taken off previously new material has been presented with this inquiry such as my daughters SSN that was generated for me back in the year of XXXX.
Product: Debt collection

These people are Corrupt. I do not owe I'm not paying anything. These people know that the car was returned they did not provide the title within 30 days. They did not do what they were supposed to do. They are making false claims about something that I do not owe. They are capable of murder they are participating in a conspiracy to commit murder, they're lying, one of the attorneys is having an inappropriate relationship with another attorney, and they're paying people under the table to get judgment that they feel benefits them. Stealing money from me. I am working on getting charges filed against this lady and these people. XXXX XXXX continues to report information that they know is false and is not correct they have not verified it just because somebody sends you paperwork saying that this and that doesn't mean that it is valid and it's not valid I've disputed it several times but it's okay because like I said karma is a XXXX and I'm coming after y'allXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are running a Ponzi Scheme Fraud so is Robinson Hoover and Fudge. They file hundreds of thousands of lawsuits against people every day. They sold a car that was defective knowing that I could seriously be injured or the XXXX causing death. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is also falsifying records and lying to try to extort money out of me. The attorney XXXX XXXX XXXX which they transferred over to is also a co conspirator and is also participating in a conspiracy to commit murder.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCOUNT ending in XXXX was charged off in XXXX  and paid in settlement. New York XXXX FCRA mandates that this account be deleted from my personal credit report. I have reached out to TransUnion to have account removed, as well as XXXX XXXX. This behavior is abusive on their part, even with laws on the books they still skirt the law. See XXXX XXXX XXXX ( f ) ( iv )
Product: Debt collection

In XX/XX/XXXX I received notification of 4 collection accounts placed on my Credit report by XXXX XXXX XXXX, which lowered my score 44 points! Having never heard of these people I disputed the debts. The date reported to CRA as acct open date was XX/XX/XXXX. The debts appeared to be from XX/XX/XXXX hospitalization, which insurance covered to my knowledge. I disputed debts thru CRA and all were removed in XX/XX/XXXX. In XX/XX/XXXX I again had a major score drop and upon checking Commonwealth had again placed these collections on my report plus added another one. The date reported as opened now says XX/XX/XXXX. I again disputed but this time CRA verified. I am curious as to how this previously removed debt with an added amount can be verified. Date changing is not allowed by law. Commonwealth has made no effort to provide me any documentation verifying this debt or original date incurred to OC. In doing research I have discovered it is unlikely an OC " assigned '' the debt to Commonwealth as they are junk debt buyers with numerous complaints against them for violations of FCRA and FDCPA. Can you help with getting them to comply with laws?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have medical bills that are on my credit report 4 that was reported to creditors. I have never gone without medical insurance. I need to get this matter taken care of.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, a hard inquiry was placed on my credit report by XXXX XXXX. I did not authorize or request any transaction, credit application, or service with this institution at the time of the inquiry. No prior communication was made with me regarding this inquiry, and I did not take any action to initiate it. I am requesting that this hard inquiry be investigated and removed from my credit report as it was made without my consent.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S Code 1666 ( b ) billing error ) To Whom It May Concern, Recently I checked my credit report and noticed multiple billing errors under 12 U.S Code 1666 ( b ) billing error- ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligatory. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. If the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is a billing error. The items below should all be updated to paid as agreed on my consumer report. 

GM FINANCIAL XXXX This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never late, so delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. Again, remove this 30-day incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report.
Product: Bank account or service

My bank of 27 years closed my checking account with no apparent reason.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX. XXXX Customer Data Breach ( Case XXXX ) Identity Theft Victim XXXX. Title. This Article shall be known and may be cited as the " Identity Theft XXXX XXXX ''. ( XXXX, XXXX. XXXX. ) I have been impacted by XXXX XXXX XXXX, ( ID Theft XXXX ), my SSN being used as a personal gain. I have reported the criminal activity to the appropriate authorities. My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ). The unauthorized accounts linked to my Name, Social Security number, and Personal information are : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$780.00} : Opened :?? 
Account Name : XXXX XXXX : Balance : {$69.00} : Opened :?? 
Hard Inquiries : XXXX XXXX : XX/XX/XXXX ; XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX There has been absolutely no legal proof provided to substantiate the marks on my credit report. I have not signed any wet signature application or contract that would legally authorize the reporting of this information. Furthermore, I have not granted your agency any authority to access or report information about me under the Fair Credit Reporting Act ( FCRA ), which explicitly requires a permissible purpose for such actions. Additionally, I want to highlight that this situation has been worsened by data breaches that grossly mishandled and exposed my sensitive personal information, which your agency continues to misuse. Failure to comply with this demand will leave me no choice but to initiate legal action. 
I am aware of my rights under federal law and will pursue every remedy available under the FCRA and the Consumer Financial Protection Act ( CFPA ) for the following violations : Negligent or willful violations of the FCRA, which could result in statutory damages of up to {$1000.00} per violation, in addition to attorneys fees and punitive damages, as provided by 15 U.S.C. 1681n and 15 U.S.C. 1681o. I will escalate my complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for your repeated failure to comply with federal reporting obligations. I also demand that you refrain from reinserting these fraudulent accounts into my credit file under 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) without prior written notice to me, as required by law.
Product: Credit reporting or other personal consumer reports

These addresses are not mine and I don't have any access to them. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX When addresses that do not belong to you appear on your credit report, it's essential to dispute them promptly. These inaccuracies could potentially signal identity mix-ups or errors that might affect your credit profile. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to maintain accurate and verifiable information. Disputing incorrect addresses is crucial to ensuring the integrity of your credit report. 

To rectify this, you should formally dispute these erroneous addresses with the credit bureau. Provide clear documentation to support your claim that these addresses are not associated with you. By doing so, you are exercising your rights under the FCRA to have accurate and relevant information on your credit report. Promptly addressing these discrepancies will help maintain the integrity of your credit history and prevent potential identity-related issues.
Product: Credit reporting or other personal consumer reports

This is a completely new complaint not previously mentioned or reported. 

CITI, XXXX, and XXXX are reporting the account of XXXX XXXX for CITICARDS/ CBNA as being charged off for 10 consecutive months starting in XX/XX/year>. 

This account was charged off 1 time. It was not charged off repeatedly for 10 months. This is a misrepresentation of the account information, and is completely inaccurate and incorrect. 

XXXX, XXXX, and CITI are refusing to remove the inaccurate information on this report. 

I have attached the reports that reflect these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  and Experian continue to report false information in regard to two accounts. They have been placed on notice that these are not my accounts. The lenders in both cases have been unable to provide documentation other than varying claims that the accounts were opened online or opened over the phone No signature cards, electronic or otherwise have ever been provided. 

XXXX XXXX is of course notorious for opening phony accounts and I have never even heard of XXXXXXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX BOX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX, XXXX and Trans Union credit report, its showing a current balance on the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I paid my balance in full and shouldnt have a balance. My current balance on all 3 accounts should be a recent balance of {$0.00}.
Product: Checking or savings account

On XX/XX/2023 someone gained access to my XXXX XXXXPayFare account by scamming me with a fake customer service call. I have since tried on MULTIPLE occasions to speak with customer services to be reimbursed for the money that the scammer used as well as the charges charged by them for a replacement card. I have been assured on 3 seperate occasions someone would reach out to me within 24 hours and I have not been contacted once. I have had to reach out to them each time. To this day, XX/XX/2023 I am still receiving notifications that someone is attempting to charge my XXXX card for purchases that are not authorized by me. They will not deactivate the card or the account until it is investigated, so meanwhile I am forced to allow this scammer access to my account and money which also means I am unable to XXXX  for fear that any money I would earn they would immediately take from me. I can not just close the account because that would mean I have no history of the scam/money being taken. I have responded to multiple emails but am told that my case has been closed twice due to lack of communication, even though XXXX customer support are the ones not responding to me. I have been issued 3 different case/reference numbers. Every time I call I am told I just have to wait for the investigation to be completed and each person says they are escalating and putting it as urgent. I have been hung up on by customer service agents on 4 different occasions. On XX/XX/2023 I was charged {$5.00} for a replacement card fee that I did not initiate. On XX/XX/2023 the scammer redeemed {$8.00} of rewards on my XXXX debit card, as well as initiated a {$13.00} direct deposit. They linked my virtual card to their apply pay account. I was then told to report the card as stolen rather than customer service just deactivating the card. This automatically issued me another XXXX card, so I was charged another {$5.00} replacement fee. On XX/XX/2023, the scammer still had access, even though the representative said everything was taken care of, and in turn charged {$8.00} to XXXX. I called and told support that this person was still using my account and so was told I just had to wait. On XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023 the scammer attempted to make purchases. I am not comfortable knowing this person has access to any part of my account and no one at XXXX/PayFare seems to care. This person has my personal phone number and I do not feel safe and they will not do anything about it. I am missing out on money because I am unable to XXXX  without fear of having money stolen from me again. It should not take TWO WEEKS to investigate this issue.
Product: Credit card

I have always made sure that payments on this account are made on time, never allowing them to become overdue. I am unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC XX/XX/XXXX- Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed that my credit report contained what looks like a car from XXXX XXXX This is not my car, period. I also tried reaching out to XXXX - XXXX, TransUnion and XXXX- but never heard back from any of them. So, at this point I'm not sure whatelse to do - Therefore - I recently filled a police report, which I am including as well.
Product: Checking or savings account

Immediately after I was scammed on XX/XX/XXXX, I contacted the bank to alert them of the fraud issue and requested a stop payment on transfers right away. After noone followed up with me via email or phone, I called the bank only to find out that 12hrs after I filed the claim, it was denied. That's it. I need my money and I know this transfer could have been reversed Immediately. Why was this not handled properly?!?! I do expect my {$1900.00} put back in my account still today as I know it can be pulled from senders account. Wells Fargo is horrible in actually caring about their customers. Police report filed with XXXX XXXX XXXX Department incident # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX numberXXXX XXXXXXXX XXXX number XXXX XXXX Inquiries : XXXX XXXX ( AUTO XXXX XXXX XXXX XXXX  ( AUTO ) XXXX XXXX XXXX ( AUTO ) XX/XX/XXXXXXXX XXXX XXXX ( AUTO ) XXXX XXXX XXXX XXXX FINANCE XXXX XXXXXX/XX/XXXX
Product: Debt collection

My son attended childcare in XXXX. I have a past due amount, which at the time I did not know the exact amount. My son started XXXX that XXXX. I never received a bill or phone call, voicemail or email. Moving forward, XX/XX/XXXX I received a call from Capital Accounts. The representative told me that I had an outstanding balance of {$1200.00}. She told me that it was already put on my credit??!! I told her that I was aware of a balance but not to that degree and that I never heard anything from the school about my balance. I contacted the school and she said that they sent out notices to my address. I let her know that I didn't receive them. I moved from my residence in XX/XX/XXXX and put in a forwarding address. I can contact the USPS to get proof that I moved from that address. She also sent me a ledger of the correct amount. I asked her if I could pay them instead of dealing with Capital Accounts she said unless it was in full, I could not make any payment arrangements through them. I checked my credit score and it was a negative collection mark on there from ( CA ), the account was open in XX/XX/XXXX. That negative mark brought my score down 40+ points. I wasn't giving a warning or any type of reason behind it. I feel that I have been robbed of my innocence. It should be illegal to put a collection on someone's credit before speaking to them. Not just attempting to call them or mailing a supposed letter. I spoke with a representative from Capital Accounts yesterday and told him that they did not have the right to put that on my credit without giving me a chance to attempt to pay the debt. I have not lived at my old address since XXXX, and the rest of my bills were forwarded or sent back to the sender. After the phone call in XXXX I only received harassing phone calls. They have not mailed me a statement to this day. I had to beg the creditor to send me a email proving that it was a ligament company. I received a email Thursday XX/XX/XXXX, TWO months after speaking to the representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX is reporting to the credit bureaus that I owe {$820.00}. This is incorrect, I owe them nothing.