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

Someone has been using my information to apply for credit card banks loans cars and ruin my credit I have been trying to report fraud and almost had a XXXX score with one credit bureau now I have over 27 hard inquiries that are not mine and secure loans saying I missed payments and XXXX account says missed payments I never opened the accounts please help me fix this identity fraud issue and customer statements I never wrote or applied to my credit I need off
Product: Student loan

I am in the process of repaying back my private student loans and there is a payment plan set up with Navients collection program. they refused to lower my payments and went as far of telling me if I do n't start paying them within a 7 day period, then my wages would be garnished. these loans have been paid on for almost 3 years but they are still showing up on my credit report of monthly missed payment even though they are being paid. they refuse to update their information and show that my payment is going through even though its out of my bank account and posted to their website. I can get no one who speaks English to help me out and im not unable to apply for a loan for a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

FOR THREE YEARS I HAVE BEEN DEALING WITH XXXX XXXX XXXX ABOUT A CARD THAT WAS OPENED FRAUDULENTLY OR IDENTITY TFoTHREE YEARS I HAVE CONTACTED THEM AND ASKED FOR PROOF THAT I OPENED THE CARD AS IT WAS NOT ME. THEY CONTINUE TO REPORT IT TO THE CREDIT BUREAU. THEY HAVENT SENT ME SIGNED CONTRACTS TO PROVE IT WAS MINE AND IRONICALLY THEY KEEP EMAILING ME OFFERS TO HAVE A CARD WITH THEM. THEY ARE RUINING MY CREDIT THAT I HAVE WORKED VERY HARD ON. EVERY TIME I CALL, WRITE OR DISPUTE WITH THE CREDIT BUREAUS THEY JUST LEAVE THE SAME THING BUT NO ONE HAS SHOWN ME ANY PROOF I HAVE ASKED FOR account NameXXXX XXXX XXXX Account NumberXXXXXXXXXXXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. Status UpdatedXX/XX/XXXXE.
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 

XXXX 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 XXXXNK XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a previous dispute regarding another creditor, but the other party that is involved in this complaint is Lexis Nexis.The reason I am submitting a new complaint is because it involves a third party. This complaint is part of complaint # XXXX. My complaint is against XXXX  and Lexis Nexis. Lexis Nexis is the third party company who sold my information to XXXX, regarding the dismissed chapter XXXX bankruptcy information, that is reporting on my XXXX report. I would like for you to contact XXXX and Lexis Nexis, and conduct an investigation.If this dismissed chapter XXXX bankruptcy information is not removed from my XXXX  credit file, my next step will be to file a complaint with the Illinois State 's Attorney 's Office, and the XXXX XXXX XXXX against Lexis Nexis.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I started to dispute some accounts that are not reporting accurately. None of the bureaus responded to me the way that they should so I sent another dispute to them on XX/XX/XXXX. They've STILL not responded at all, so today, XX/XX/XXXX I am submitting a THIRD dispute to the bureaus as well as this complaint.
Product: Credit card

I have been disputing a charge on my American Express for several months now. I ordered some items from XXXX XXXX, and they never shipped XXXX of the items ( a TV ). XXXX XXXX agrees that the item never actually shipped, although they created a tracking number. American Express finally responded today, saying that they could n't reverse the charge because XXXX XXXX denied the chargeback. They provided documention, which actually confirmed that the item was never delivered! 
American Express ' response today was that this is an automated process, that a real person does n't get involved at this point. Now they say that a real person will get involved, but that it could be another XXXX8 weeks for the problem to resolved. Not acceptable.
Product: Mortgage

XXXX XXXX and deceased XXXX XXXX are saying they have no dealing too Mr Cooper as the ownership trustee of the company .if it not them, then who is it .the record is say XXXX XXXX are active trustee management for Mr Cooper. Address on file for this company is XXXX XXXX XXXX XXXX ga, and XXXX and XXXX XXXX  XXXX  XXXX ga, deceased owner of the company Mr Cooper XXXX XXXX XXXX, it is a pandamic be out here. Us the heirs need a relief, and for both of them says they have nothing too do with this .then contact Mr XXXX XXXX make him sign a release form so I can step in as a heir too the company or beneficiary .to company and take over. I have wait 21 years. I don't want too die and waste my time XXXX XXXX deceased date on file for this company is XX/XX/XXXX .file in probate court XXXX ga. Under XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  approved my deferment and I paid as agree an the applied it to my principle balance and never updated my credit to paid or honored my deferment. They violated my credit rights. I attached the proof. I want account XXXX from my credit report. I was never late. 

2- CollectioXXXX account. {$21000.00} past due as of XXXX XXXX added a collection to my credit. I never was contacted by these people. I have no other loans out their. This is ruining me to get my graduate loan. I would like this collection removed from my credit immediately. Its is against my fair credit law. I do not have any documents pertaining to this account XXXX remove an address from my account XXXX XXXX  XXXX XXXX XXXX, NJ XXXX. I lived in Florida for the past 4 years. I am XXXX XXXX XXXX XXXX This is bringing stress on me. I dont want to loose what I worked so hard for. XXXX is the only bureau reporting this address. lease I beg remove it. I dont wany someone to be using my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a Discover Customer with Positive Payment History since XXXX. After putting a Increase for Deposit Increase on my Secured Card that was a instant with my Authorized User that was originally XXXX XXXX XXXX XXXX which, is now XXXX XXXX XXXX  changed his name and I submitted name change documents and his bank was rejecting the Payment because the name was Primary on the Account with XXXX XXXX we have already fixed the Issue and he now has a Discover Card that I'm authorized on however during this Investigation Discover didn't allow me to make a Payment resulting in the 30 Day Late. I'm trying to better myself with a relationship with Discover to get a  unsecured card as well as, buy a House, and the removal of the Late Payment would help that that the Balance is Paid in Full. Please respond accordingly so I don't have to reach out to Discover CEO XXXX XXXX Executive Department
Product: Credit reporting

Creditor Contact DetailsXXXX XXXX, WIXXXX ( XXXX ) XXXX purchased an item at XXXX, My credit limit is {$100.00}, I told the cashier that, I told her I would pay the remaining balance that exceeding {$100.00} in cash. I did that. When I got the bill it was {$110.00}, which I paid in full before the due date. Now I find it lowered my credit score to no fault of my own. 

Please fix the error, as I am looking at purchasing a home soon. 

thank you. 

XXXX XXXX XXXXPayment HistoryXX/XX/XXXX OK OK OK OK OKXX/XX/XXXX OK OK OK OK OK OK OK OK OK OK OK OKXX/XX/XXXX OK OK OK OK OK OK OK OK OK OK OK OKXX/XX/XXXX OK OK OK OK OK OK OK OK OK OK OK OK2011 OK OK OK OK OK OK OK
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with ACIMA CREDIT FKA XXXX and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called ACIMA CREDIT FKA XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX and ACIMA CREDIT FKA XXXX with no successful resolution.XXXX reporting me having late payments. There was an error on their part. I was never late.
Product: Credit card or prepaid card

I have received a prepaid card which I am unable to use because the transaction keeps getting declined. There is only one way to contact the company ( by phone ) and for the past two months they " have been experiencing extraordinarily high call volumes '' and never pick up the phone.
Product: Debt collection

{$7900.00}, XXXX XXXX, third party has placed on my credit report, i have sent in letters and disputes
Product: Checking or savings account

I had XXXX separate instances at the same retail store where my card was charged twice upon checkout. I filed a dispute with Citibank as soon as I saw each duplicate charge on my debit card ; each dispute has been denied by Citibank with an form letter rejecting me with the phrase Thanks for contacting us on [ date ], concerning a withdrawal made at an automated teller machine on [ date ] for $ [ amount ]. We've completed our review and our records indicate there was no cash discrepancy for that location on the date in question. 

For the first investigation I received provisional credits in the amounts I was overcharged ; those credits were revoked and rescinded upon the conclusion of the first dispute. At no time since have I gotten the money back, which is all I want. I was charged twice - twice. 

Each time I have called the bank to ask for more information, theyve just filed something new. If theres any documentation of the phone calls I placed regarding those disputes, Im sure it would be helpful as I explained the situation thoroughly to at least XXXX different customer service representatives, each who assured me they were taking copious notes on the details of my case. I have repeatedly requested further documentation on the incident. All I continue to receive is the same form letter, informing me that there was no cash discrepancy for that location. There continues to be a cash discrepancy in my checking account. 

I see XXXX charges posted in my checking account for {$120.00} on XX/XX/year> at XXXX. I see XXXX charges posted in my checking account for {$110.00} on XX/XX/year> at XXXX. 

In each of these instances, the same thing happened, at the same store. I made a purchase at the cash register. A point of sale. I inserted my card into a card reader at the point of sale, entered my pin, and received confirmation the ( single ) transaction was successful. I received the products I was purchasing at the store. I discovered I was charged twice for a single transaction. I reported it right away. 

There is no ATM involved in these transactions. Still, the only response I have received again and again lists this as some sort of ATM withdrawal.

Im convinced that no human with the authority to make a decision on my case has reviewed any of the information I have provided. Im also convinced theyre making the process exhausting to try to deter me from following up. 

Again and again Im bounced around the customer service departments, sometimes after taking me off a XXXX minute hold, they claim they cant hear me and hang up.
Product: Debt collection

On XX/XX/year> I received a collection notice from Portfolio Recovery in the amount of {$160.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ;
Product: Checking or savings account

I opened my account with Wellsfargo on XX/XX/XXXX, with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX branch. 
On that day they wjere unable to enroll me in online banking, so I was requested to come back next day. Next day they had the same issue ( all the week ). After that I send and email to XXXX and I was requested to go again to the branch ( is not possible because Im not in the US right now until 2023 ). 
I need to have my credentials to use the online banking, or instructions to enroll.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX my SS XXXX my DOB XX/XX/XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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

I am having issues with my credit report. I noticed multiple TILA violations on my report. I recently spoke with a legal advisor regarding this matter. Please send me the following as PROOF that you did your due diligence in maintaining the accuracy of my report. XXXX XXXX account XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX. I have attached my credit report showing the inaccuracies showing on my credit report. the disputes came back verified. delete these accounts immediately! my rights have been violated and I will be filling a lawsuit against the credit report agencies! As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. 1666 ( b ) billing error The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement.
Product: Prepaid card

was gifted {$500.00} American Express Gift card by employer I am not able to use the funds anywhere - it is consistently declined online and in-store locations. 
balance still reads as XXXX but i am unable to use the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

this Company has over 7 diffrent variations of my name, they have old and outdated addresses, jobs, phone numbers this company is also reporting personal private information without written consent according to Title 15 USC 1681 Permissible purpose ( ie ) there is XXXX XXXX XXXX XXXX that were deleted from my XXXX XXXX Credit file because they were proved fraudulent from the ( XXXX XXXX XXXX XXXX ) but this company is still reporting this false information, which is a violation of the Metro 2 Guidelines as well as the permissible Purpose Law, unless they can produce a written consent form
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have new and updated information about an unknown, inaccurate account that is being reported by Experian. I filed a complaint with CFPB stating that I have no knowledge of this unknown, inaccurate account and that it be deleted immediately off my credit report. Experian is continuing to ignore and violate my consumer rights by responding to my dispute as Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). The FCRA 611. [ 15 U.S.C. 1681i ] Procedure in case of disputed accuracy states that the consumer reporting agency shall conduct a reasonable investigation to determine whether the disputed information is inaccurate. I did not receive a fair investigation as the law states. Experian is illegally updating old remarks with present remarks which is hurting my credit every month and causing my family and I to experience financial hardships, XXXX and denied credit. Please hold these companies accountable and delete immediately!!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX ( {$1600.00} ) XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've asked Please start an investigation and prove that this actually belongs to me. 

XXXX XXXX - XXXX ( {$320.00} ) XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've asked to Stop reporting this collection because it is unknown. 

XXXX XXXX - XXXX ( XXXX ) XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've requested to Stop reporting this collection because it is unknown. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRIES ABOVE, I've asked to Remove this inquiry because of false reporting, it does not meet one of the requirements for the reporting of inquiry.
Product: Credit reporting or other personal consumer reports

I am not liable for the debt with the LOANCARE account.

I do not have a contract with LOANCARE.. 
LOANCARE has been reporting on my credit without my consent.

I did not give them permission to report, nor was I given the option to opt pursuant to 15 U.S. Code 1692g - Validation of debts I demand that it be deleted from my credit and updated.

Debt validation request unrebutted.
Product: Mortgage

I took out a new home mortgage with XXXX out of Connecticut on a home I own In XXXX 18 months ago. I was soon thereafter sold to a second company, XXXX out of XXXX, North Carolina. 3 months ago XXXX sold the loan to Fifth Third bank out of XXXX. I attempted to refinance the loan with Fifth Third but they tell me they aren't able to do that because they are not licensed in Connecticut. For me to do that, I will have to find a different company in Connecticut. This will entail significant time and expense to me. 
My complaint is the buying or selling to an unlicensed company that is not able to fully service the loan adding to my expenses. I have tried contacting the loan department at Fifth Third but get only an apology, no resolution. Perhaps the commplaint is against all 3 companies. Advice? 
Thank you, XXXX XXXX property address XXXX XXXX XXXXXXXX, CT XXXX my residential address XXXX XXXX XXXX, XXXX, Montana
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I reviewed my Consumer Reports and noticed that I had 2 late payments on a XXXX XXXX XXXX XXXX  that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXX ACCOUNT # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Also, attached are the THE HEROES ACT PROTECTS CONSUMERS AND THEIR CREDIT SCORES.
Product: Credit card or prepaid card

Credco Inquiry from

XX/XX/XXXX - Misc. This inquiry could stay on your report untilXX/XX/XXXX
.

See an error?

Find out how to dispute a hard inquiry Institution Information Credco  XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Vehicle loan or lease

Company misused my information and I have been receiving harrassing phone calls on their behalf. I
Product: Mortgage

I have been working with Loan Depot for approximately six months applying for a loan modification. I have submitted two applications within that time. They have stalled and stalled claiming the need for documents that I have already sent them over and over. The latest now is that they have filed for foreclosure even while they are reviewing my last application. I have been served by the circuit court of XXXX XXXX with a hearing date set for XXXX. I have recently received a letter confirming that they were reviewing my application, so I am not understanding why they are moving along with foreclosure. I have been told several times that they would not move to foreclose as long as they were reviewing my application. Please help me in this in any way that you can. Thank you sincerely XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX has never sent me a outstanding bill/debt, I contacted them and tried to resolve this issue many times since it has shown up on my credit report and they have no information when I have contacted them. They do not provide the account number, why there is a outstanding bill, etc. I have asked for info and they have not provided any. There was no balance due when I shut service off when I lived in Pennsylvania, I never owed them anything I even made calls to make sure at one point and was always told my balance was {$0.00}. I am beyond frustrated that after many times of contacting them they still are unable to provide proof that there is anything owed to them from a outstanding balance.Now I have them showing up on my credit report for {$230.00} and they have no reason why. I want this removed as soon as possible. 

Thank you XXXX