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

I have tried to dispute the incorrect reporting status of my XXXX account with Transunion on multiple occasions. On XX/XX/XXXX I was provided with dispute results from Transunion and they said the updated the Rating but there was not an issue with the rating to be updated to. The issue is with the pay status and that it is listed as an adverse account when it should not be. This XXXX Account as been closed and paid in full since XX/XX/XXXX. On the Transunion website, the payment history shows that I made payments on time and in good status for the past 7 yrs but the remarks on the account are listed as follows Maximum Delinquency Note : " Maximum Delinquency of 30 days in XX/XX/XXXX, Estimated month and year this item will be removed XX/XX/XXXX '' and Pay Status " Account 30 Days Past Due Date '' ( this is uploaded as proof from my Transunion credit report ). This account is not delinquent and should reflect the correct information. I tried to dispute the inaccuracies again in XXXX but the dispute did not show up as filed. On the XXXX XXXX website, The XXXX account has " Current payments status 30-59 days late '', again which is inaccurate ( proof uploaded ).
Product: Credit reporting or other personal consumer reports

The alleged creditor XXXX XXXX XXXX XXXX is in violation of my federally protected rights. 

XXXX XXXX XXXX XXXX and its agents have been garnishing my wages and have not updated the balance thereby negatively affecting my credit score and causing me direct financial and mental issues. 
For example, the aforementioned company is reporting I have a balance of over {$5000.00} as can be seen in the photo from Experian Ive included in this complaint. 

XXXX XXXX XXXX XXXX has garnished my wages as such : AMOUNT-DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX As is plainly evident, XXXX XXXX XXXX XXXXXXXX, has had many opportunities to update my balance and they have not XXXX It was done purposely and willfully to harm my ability to obtain credit. 

According to : 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Therefore, I am seeking monetary relief in damages for each individual instance of negligence equaling the amount of {$7000.00}. 
In addition, XXXX XXXX XXXX XXXX, should cease and desist from reporting anything on my credit as they are not following the statues regarding credit reporting in the FCRA.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, there are multiple errors on my credit report. My only address is XXXX XXXX XXXX, XXXX. all other addresses are fraudulent
Product: Checking or savings account

We Need A Lawyer as soon as possible. Wells Fargo did not answer our questions. Wells Fargo sent us all the information from you all and still blaming us for the money. How in the world can you get money out when no one gave it to you? How can you get money inside the bank if no one gave it to you? Please Consumers Financial Protection Bureau help us to get this resolved? They should not use people accounts and say that it is the customers fault. Please advise us in this matter? As of today, XXXX XXXX. Their feedback was that they have closed the account and refuse to answer our three questions Wells Fargo said that someone used XXXX XXXX 's card because Wells Fargo can not find nothing. On XX/XX/year>, we asked for this information from XXXX XXXX he said can not provide it to us, and to see it on camera had to get a court order. I tried to go and get a court order they said I needed an attorney. We went to the attorney, and he said pay because his fee was more than the {$220.00}. We asked him would he pay for something without a receipt? We asked did we have Stupid written across our face, I know to get attorney you have to have money. If I did not have the money, I would never have came to you. As you can read this you know we need an attorney to clear XXXX XXXX and XXXX XXXX XXXX names from Wells Fargo. Thank you. Have a Blessed evening. What type of manager would say can not provide the information to you?
Product: Credit reporting

I applied for a loan with XXXX Bank on XXXX/XXXX/2016 and was denied. They showed that I applied twice for a loan on XXXX XXXX, 2016 and XXXX XXXX, 2016 which I did not do. Why would I apply again if they denied me the loan in XXXX. I sent a letter to both Equifax and XXXX Bank and let them know that someone else applied for this loan which is itentity theft and wanted them to take off XXXX of the Hard Inquiries of XXXX Bank from my Credit Report. They have not done anything and I sent another letter for them to send me proof that I applied twice more for a loan that was denied. I have always had a good or excellent credit report and now Equifax has my credit rating as fine. I have had someone charge something on my credit card which I did not do and so I had to have the card cancelled and get a new credit card. The XXXX took off that charge from my credit card which I appreciated because they know that I was honest about it. Now I have a alert on my Credit Report for 90 days. I would like for this to be corrected ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX on my report is incorrect. 

This account is reporting to be charged off. If the account is charged off, how can it have a balance and how is it reporting every month. According to the law if the account is charged off and the company has charged it off it should not be reporting with a balance, Please correct the incorrect reporting on this account, The balance is incorrect as well. I spoke to XXXX XXXX XXXX ID # XXXX and XXXX ID # XXXX and they both advised that this balance is incorrect. I also have a letter from the company dated XX/XX/01 that the balance is incorrect. WHy is it still reporting incorrectly. 

How is this verified, what is the method of verification? who did you speak to?
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XX/XX/XXXX to remove accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  credit card account has been voluntarily closed by me and is required to be promptly reported to Experian as Closed by Consumer. However, XXXX has failed to promptly report my account as CLOSED in willful violation of the FCRA and my XXXX  account still remains inaccurately reported as OPEN. Please accurately report my CLOSED account pursuant to the requirements of the FCRA and all required and mandatory Metro 2 protocols.
Product: Mortgage

I am writing to express my frustration regarding the ongoing issues I have encountered while trying to resolve my concerns with Lakeview Loan Servicing. Despite my repeated attempts to establish communicationspecifically XXXX attemptsI have only been fortunate enough to speak to XXXX representative. 

Most recently, on XXXX XXXX XXXX, I managed to reach a Lakeview Loan Servicing representative, but to my dismay, our conversation was abruptly cut off when she hung up. This experience has left me feeling dismissed and neglected as a customer. 

Furthermore, I have attempted to liaise with XXXX, the company managed by Lakeview Loan Servicing, but unfortunately, they are just as unresponsive. I find that none of their contact avenues lead to a satisfactory outcome, and during the XXXX call I was fortunate enough to receive from them, the representative I spoke with appeared to lack the necessary knowledge to assist me in addressing my concerns. 

Given that Lakeview Loan Servicing markets itself as a leader in mortgage management, I find it exceedingly disappointing that my experience has been anything but satisfactory. It seems that there are significant gaps in communication and customer support which need immediate attention. 

I would greatly appreciate a prompt resolution to my issues or a direct line of communication with someone who can assist me effectively. Thank you for your attention to this matter. I look forward to your swift response. THANK YOU CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX THE ORIGINAL CREDITOR NATURAL CONSUMER, FCRA RIGHTS HAVE BEEN VIOLATED BY XXXX TRANSUNION AND XXXX. THEY ARE REPORTING A FRADULENT ACCOUNT BY ( XXXX XXXX XXXX ) ON MY CREDIT REPORT. 15 USC 1681B STATES THAT THE CREDIT BUREAUS NEEDS MY CONSENT TO REPORT ANYTHING ON MY CREDIT REPORT. I XXXX XXXX NEVER GAVE THEM ANY CONSENT TO REPORT THIS FRADULENT ACCOUNT ON MY CREDIT FILE, I NEVER HAD ANY DEALINGS OR BUSINESS WITH THIS DEBT COLLECTOR. THIS INFORMATION IS FALSE MISLEADING UNFAIR PRACTICES.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I went in to the XXXX XXXX in XXXX XXXX XXXX XXXX XXXX Ma XXXX I walk up to the teller swipe my card and then enter my code. After the teller look at me and then look at my three accounts the teller then asks me for my ID I said even though I swipe my debit card and put in my code. After telling her Im just checking my balance Im going to transfer {$200.00} from one account to anther account and them she/teller said I still need to see your ID I said you need my id just to check my account balance and she/teller said yes. 
So I go over to customer service and tell him the same story and then he ask do I have my debit card with my code and I said yes and then we both go back to the same teller the customer service man ask me to swipe my card I did. And then he said put in your code. I did. And then the teller checks all 3 balance and did transaction and I'm still asking both of them why she needed to see my id NO ONE COULD SAY ANYTHING TO ME .... but I know why I never felt humiliated and embarrassed like that in my life On Monday morning I call that same branch to speak to the manager and he made up so many excuses on why I need an id and got all out of his professionalism and started acting immature over the phone so I told him I will just report it to the XXXX and the Manager / XXXX said he dont care an then I hung up.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Hi, I have been working to fix my credit for the past year running my reports with all three bureaus weekly. On XX/XX/XXXX an account appeared from a XXXX XXXX XXXX XXXX. I contact them to inquire about this and was initially told they bought this account XX/XX/XXXX and that its an account opened in XXXX and they report to credit agencies within 90 days. I then asked them why they waited 13 months to report this and they would not provide me with an answer. Ive called repeatedly and they will not provide an answer. This is unfair business practices and it also caused me to lose a contract.
Product: Credit card

They kept increasing my credit balance without my consent, so I could not pay for it. I also told them I could pay for it and if I could receive forbearance. That was denied
Product: Credit reporting, credit repair services, or other personal consumer reports

Aldous is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt. I called and paid it immediately. I had never received a phone calls, notice or letters about this debt and that violates my 30 day right to dispute. I need this account removed/fixed ASAP.
Product: Checking or savings account

In the month of XXXX there were several fraud claims reported on my checking account, the bank said the account holder called and reported thr claims, but I am the account holder and I never put in those claims, one of the claims was for {$460.00} which was a money order i purchased to pay my rent and I told the bank that, then there was a # XXXX amount that I was unfamiliar with and the bank had no explanation of, they released the funds from those claims as availabe cash in my account before they even did the fraud investigation, I wanted to close the account, they said no leave it open while we do the investigation. I had my online banking shut down and about a week ago I closed the account and opened a new account at a bank I had a credit card with since XXXX. In XXXX, XXXX XXXX credit card payment which I pay by debit card when I get my social security check was sent back to the bank after it sat in the balance for a week, and there was {$2000.00} in the account when I did the debit, the same thing happened with my XXXX XXXX  I got letters from the credit card companies telling me the payments came back. There was funds availavble for both transactions. During XXXX  my husband who had online access said he deposiited {$1300.00}, but no deposit was showing at the bank, There was XXXX dollars in the account and then I got a email saying my balance was low, under XXXX dollars so I logged in to see what happened, there was no record of that XXXX dollars leaving the account, customer service could give me no answer of what happened to my money, and I told them my husband claimed he put money in the account {$1300.00}, I cancelled all my husband 's XXXX transactions he had scheduled because the money disappeared., There was {$2800.00} in the account, I put through a grub hub order for {$21.00}, they showed my account overdrawn by {$1.00}, no other transactions hit the account, they had taken money out with no trace, I complained to cuastomer service, they had no answer for it. It was obvious they were purposely trying to make my account look overdrawn and insuffivient funds, I have been with them since XXXX and never had problems until recently.
Product: Credit reporting or other personal consumer reports

I am trying to improve my credit score to purchase my 1st home as a XXXX XXXX XXXX XXXX will not removed accounts that I have completely paid off and an account that was paid as a charge off. When I tried to get a loan to help my XXXX XXXX, the bank denied it saving to many revolving accounts. I have currently paid off the following accounts in full : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There were also a few other accounts with XXXX balances. I would like for the accounts to be removed to better my credit score. I also wrote Capital One and asked them to forgive give my late payments due to the XXXX timeframe of XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am a victim of identity theft and you are reoprting inaccurate fraudulent accounts onto my credit file that do not belong to me. I have contacted each company listed below yet they can not validate these accounts with me so how in the heck are hey verifying them with you? Please remove these accounts listed below and in the attached documents from my credit file immediately as they are a result of identity theft. As directed by section 605B of the FCRA notify all furnishers of this information and remove from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting " XXXX XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unsecured XXXX XXXX XXXX XXXX ) XXXX Cell Phone XXXX XXXX XXXX Paid, Closed/Never late. 
XXXX XXXX XXXX XXXX Public Record XXXX XXXX Collection account. {$1300.00} past due as of XX/XX/2020. 
XXXX XXXX XXXX XXXX Public Record
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello - I recently ran a Credit Report on XXXX and noticed two accounts that were Fraudulently opened in my name. Accounts with these two Credit Unions indicate balances owed and late payment history. As a result, my Credit Score is severely impacted and affecting my ability to qualify for loans. As I did not open these accounts, I am working with the individual Banks to close the accounts and restore my credit ( Formal complaints attached ). Any help to resolve would be very much appreciated. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I viewed my pristine credit report and to my horror saw a collection from Harvard collections dated XXXX in the amount of {$500.00}. I called Harvard collections and they stated that this is a debt from XXXX! This is clear violation of the law! <P/>1. I Never received notice from Harvard of the alleged debt from XXXX! prior to listing on my credit report. <P/>2. The debt is not mine! <P/>3. The debt that Harvard is trying to collect is past the statute of limitations Harvard is well aware the debt is from XXXX! But Harvard is listing it as new XXXX and XX/XX/XXXX. <P/>I disputed with XXXX-updated stayed the same, filed a compliant with you- XXXX -received a letter from Harvard Collections post marked XX/XX/XXXX stating, They received information that I dispute the validity of the listing on my credit report. Please send information to support my dispute within 30 days. Information must be mailed in order to process my claim. <P/>4.How can I send information that I do n't have, to me does not exist the debt is not mine! And debt is from XXXX! Harvard is listing as new in violation of the law!
Product: Credit card or prepaid card

Costco changed to Citibank credit card for its members. I had stopped using Costco since around XX/XX/XXXX but I was issued a new Citibank credit card which I never even activated since I had stopped using Costco. Unknown to me was the automatic membership renewal fee of {$60.00} which was charged to my Citibank credit card in XX/XX/XXXX. Even worse was that unknown to me I was signed up for paperless billing. I never saw the email bills possibly because they went into junk mail. Citibank kept adding {$40.00} fees every month plus interest since XX/XX/XXXX and I never saw a single bill. Finally I received a letter in the mail on XX/XX/XXXX from Citibank collections about my unpaid balance which had ballooned to {$250.00} from the {$60.00} charge in XX/XX/XXXX. I immediately called Citibank Customer Service to explain my predicament and even after being tossed around to 4 different unsympathetic customer service agents on the phone, they were unwilling to recognize my unfortunate situation and kept insisting on the full payment. Finally I was exhausted and settled up with a payment over the phone. This is an example of predatory lending practices where a {$60.00} charge grows to {$250.00} within 4 months. I should add that I have a credit rating of over XXXX and always pay my credit card bills in full every month. Shame on Citibank. I would like to be reimbursed for the exorbitant late fees and interest.
Product: Credit reporting, credit repair services, 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX  XXXX : # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case