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

I was in the hospital end of XX/XX/XXXX thru mid XX/XX/XXXX And XXXX XXXX I bank with is XXXX XXXX XXXX. I also use a service they offer Called stand by cash and I have since they started it. It lets you borrow money and pay it back over 3 months. I have had 3 Checking accounts and 2 savings accounts with XXXX during the whole time I have used the standby cash feature. I only qualify based off of 1 of the 3 of my Checking accounts.

When I was in the hospital with XXXX  I couldn't do much or was I coherent very much .But Still out of all of my 19 credit cards, car loan, 3 personal loans, stand by cash loan, cell phone bills, insurance bills ect. The standby cash loan is the only thing I recieved a late payment from.

As I said I only qualify with 1 of my 5 accounts with XXXX. If I closed that account and kept the other 4 I would no longer be able to use it but I can deposit it in any of my accounts and also repay it from any of the accounts. The account that I qualify with always has a few XXXX dollars in it plus the linked savings account had around {$30000.00} in it at the time. But they tried to pull the monthly payment from one of my other accounts that did not have enough in it and this is how the late payment came about. But if it would have pulled from the account it's paired with it would have been paid. Even so on 3 other occasions XXXX has took money from 1 account for another if it was negative or something. I wrote a letter by Email to XXXX XXXX on XX/XX/XXXX, seeing about getting the late payment updated to paid as agreed or removed. I got a reply on XX/XX/XXXX from a customer advocacy response person saying they would look into it and I never heard back. In my letter I had I had stated that under codes 15 USC 1666 & 15 USC 1637 that a statement is due 21 days before the payment is due and they have only ever sent out a 5 day reminder. If a 21 day would have been sent out then things could have worked out differently. I don't remember much of XXXX or XXXX but It could have maybe reminded me before I got sick and became incoherent enough even before I was admitted into the hospital. 
On another part They have changed rules & maximum amounts around multiple times since they started this service and every time they have lowered the max amount my credit score would take a hit because the amount i owed then would end up at the top or above what they changed the new limit to then making the utilization on that account be at a 100 % or over the limit. 
But my efforts trying to get there help to straighten it out didn't work. I have the documentation of what I sent to them and I also the letter they sent back saying they would look into it and get back to me. Like I said that was XX/XX/XXXX and we are now end of XX/XX/XXXX and it's still on my XXXX, XXXX & Experian credit reports drastically hurting my score I would just like to finally have it fixed to paid as agreed never late or removed completely from my credit reports Thank you for your time
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This company is reporting information on my credit thats not mines. 

This has been the 4th time they do this. 
I will be looking into hiring an attorney for a XXXX law sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   is pulling hard inquiries without my consent
Product: Credit reporting or other personal consumer reports

I want reported accounts and all Unauthorized Credit inquiries removed and updated. 

Unauthorized Credit inquiries : XXXX XXXX XXXX XXXX of XXXX, XXXX of XXXX, XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

the written documents from EACH FURNISHER that was signed by me was never provided to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute complaint through XXXX, Transunion and XXXX Credit Bureaus about information being report on my file, and what the Credit Bureaus keep sending back over and over is that they verified the information and XXXX XXXX verified the account is mine. I am not disputing that the account is mine, what I am disputing is the balance that XXXX XXXX XXXX  keeps reporting as being mine, it is not mine, and they are reporting it as being delinquent which has and still is affecting my credit score tremendously. I did not sign a contract with them for a credit card, the card that was sent to me by them did not have an Annual Fee, 2 months after I paid my account in full XX/XX/2022 they sent me an email saying that my account was delinquent, when I called them to find out, what that was all about, they kept transferring me around from one Customer Service Representative after another and no one could tell me why I owed a fee. I have sent Statements of this account showing the account paid in full since XX/XX/2022 to all 3 Credit Bureaus. XXXX XXXX XXXX  sent me a credit card through the mail that I did not apply for, I used the card and I paid the balance in full, there was no Annual Fee for this card. I asked them to send me a copy of a contract that I signed agreeing to pay an Annual Fee and they have not because there is not one. This is what I am disputing, the balance not that the account was mine. I have also asked them to close the account and they are refusing to do so and keep charging that account monthly and reporting it as being delinquent, I have explained this to the Bureaus and they continue reporting it on my Credit. I have worked really hard to build my credit, I have not had any late payments and because of this situation with XXXX XXXX XXXX  my credit score has gone from the 700 's to the 600 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and Navient as well as the student service board to alert company of harassment and fraudulent activity. This student loan is closed due to the school soliciting me to attend and offering a fraudulent degree program student canceled term with school and student loans were placed in forebearance and forgiven no monies owed. However Navient constantly emails and or calls to harass me to see if I will sign in and start the loan repayment again. Please stop this harassment. They have also effected my credit claiming late payments on loans two times which has effected me being able to apply for a home loan. Please update on all credit reports and remove any deterrents from my credit report immediately. I have asked and they have ignored my requests and continue to try to get me to pay on a faulty loan.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account 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 Maximum Accuracy. I have never been late on payments for the account : XXXX Account number : 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.
Product: Credit reporting or other personal consumer reports

AFFIRM ACCOUNT WAS UPDATED ON MY XXXX CREDIT REPORT ON XX/XX/year> AS ACCOUNT XXXX PAST DUE AND ALSO AGAIN 60 DAYS PAST DUE WHICH THIS ACCOUNT WAS PAID OUT IN FULL.THIS ACCOUNT HAS DROPPED MY SCORE XXXX POINTS ON MY XXXX ACCOUNT. XXXX IS CURRENTLY FACING A LAWSUIT FOR CREDIT REPORT ERRORS, XXXX DOES NOT PROPERLY INVESTIGATE A CONSUMER DISPUTES AND FAILS TO REMOVE ERRORS OFF REPORTS. RESULTING IN THE INCLUSION OF INCORRECT INFORMATION ON CREDIT REPORTS, INACCURATE OR FALSE INFORMATION ON MY REPORT. I HAVE REACHED OUT TRYING TO GET THIS MATTER OFF MY REPORT AND THEY REFUSE TO DELETE AND REMOVE IT OFF OF MY REPORT, I AM IN THE PROCESS OF BUYING ME A HOUSE AND THIS HAS CAUSE ME ALOT OF TRAUMA AND AFFECTING MY MENTAL HEALTH.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I visited the rocketmortgage.com website to request information on a mortgage. I filled out a soft inquiry form and went through the steps. without my permission the page then ran a hard credit inquiry on my credit causing me to get multiple warnings from my bank and credit monitoring company.
Product: Debt collection

XX/XX/year> XXXX had a promotion of free phones for new subscribers and I applied. Phones are supposed to be shipped to my home but they never arrived. I went to the store and cancel it. Store person ok it but never the less I was billed for it. I called customer service and since phone not delivered and service never started, they said they'll take care of it. In XX/XX/year> I received phone calls demanded that I provide ID verification and my full social security no. I refused as I thought that since they called me, they should have all those info. Now they refer this to collection agency : TSI. It's ridiculous.
Product: Money transfer, virtual currency, or money service

I have been a Venmo user for over 3 years. I opened my first personal account with Venmo two years ago which I used to send money to family and friends and later on I went on to open a Venmo business account as I do Focus Groups to make a living making me an independent contractor however, I was not aware that I could not have two accounts and it was against Venmo policy. My business account was recently frozen with over {$900.00} in it and over {$200.00} in my personal account and I have spoken with more than one supervisor and I was told before an account specialists looked into my case that the two accounts would be combined contingent upon me providing my State ID.

As of now, I received an email from a Venmo account specialist stating I can no longer use there services and my funds will be held for 180 days ( 6 months ). I have no money for my bills and my electricity has been shut off because of this. I will be taking legal action against Venmo
Product: Checking or savings account

In XXXX of 2022, I went into the NFCU to check my account balance and to our disbelief our account was overdrawn, and money was no longer available to us. We have turned in reports never used the account card was locked away in safe no physical card or activity was never used. We have been going back and forth with NFCU for almost two years now waiting on an analysist to review our account to be able to process our funds back to our account. We were defrauded of our funds and forced to wait until an analyst reviews and completes the investigation. Since then, we have been in battle with the bank to have our funds released back to us. To my next breath, I realized transaction/ Cash withdrawal was made from my account. It was quite obvious by now that I had been cheated and hence, I lodged the complaint with cyber cell and investigations are still on.

I am attaching the screenshot of the message received so that you can be sure and check if the action has been initiated by any of your account holders.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I purchased my credit report as I come to find unlawful transactions reporting on my report. I mailed out letters to the bureaus XXXX, Equifax, and XXXX XX/XX/XXXX to correct the inaccurate remark and payment history for all the inaccurate accounts as I understand it to me and they duty per 15 U.S. Code 1681 - Congressional findings and statement of purpose - Accuracy and fairness of credit reporting.
Product: Debt or credit management

I would like to file a complaint against experian as a credit bureau. The credit bureau ignored my twice disputes about the debt. Then I also tried to contact the collection agencyXXXX XXXXXXXX and they did not provide me with any information about the {$300.00} charge.
Product: Credit reporting or other personal consumer reports

My identity was stolen last year. I filed a police report ( attached ) but fraudulent/unauthorized inquiries have still been showing up on my credit reports. The " credit bureaus '' XXXX, Equifax, and XXXX have been reporting these fraudulent inquiries despite me reaching out and informed them these injuries are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

FIFTH THIRD BANK-Date Opened XX/XX/XXXX Amount {$540.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX Amount {$23.00}, XXXX -This account is over 7 years old and I would like it removed because it defies the statute of limitations. 

XXXX XXXX XX/XX/XXXX Amount $ XXXXThis account is over 7 years old and I would like it removed because it defies the statute of limitations XXXX XXXX XX/XX/XXXX Amount $ XXXXThis account is over 7 years old and I would like it removed because it defies the statute of limitations XXXX XXXX XXXX XX/XX/XXXX Amount {$75.00}
Product: Vehicle loan or lease

I was in a car accident and I had my car loan through Ally Financial. The vehicle is a total loss being paid by the insurance and I called Ally on XX/XX/2020 to get the payment date of XX/XX/2020 moved to the end of the month so the insurance could take care of everything. I even recorded to call. I was told that the payment would be moved but that I also had a 15 day grace period in addition to that. Then I get a notice that I am past due. I look today and I am 16 days past due and there are lat efees on the account. I call and the first person just mumbled into the phone and hung up. I got on chat and called back simultaneously. I was told on chat that she found a record of me calling to move the payment but told me it never got processed so I was pretty much out of luck. THe collection person XXXX XXXX or something that I talked to on the phone barely spoke English and I asked her to spell her last name like 5 times and still couldn't understand her. She basically told me the same thing. That it never got processed so I had to make the payment. I asked for a supervisor and she claimed one was not available. I asked multiple times and she refused to offer me a manager. Said she was working remotely and no supervisor is available. I had to make a {$350.00} payment today, knowing that the insurance is paying off the loan and that my payment was supposed to be postponed until the end of the month, which would have given me an additional 15 day grace period into the XXXX of XXXX to have the insurance thing done since the car was a total loss. I was in a severe car accident and this stupid company told me that the payment would be moved and now I am having to make an extra payment that I shouldn't because someone did not do their job on the 3rd. I already had to buy a new car and I was told that this was taken care of.
Product: Debt collection

Hello, CFPB. I am submitting this complaint because I dont know what else to do. Well Fargo is not respecting my rights as a consumer. I tried to solve this issue with them but they did not respond my demand. 

Accounts : WF CRD SVC XXXX Date Opened XX/XX/XXXX Bal XXXX WF CRD SVC XXXX Date Opened XX/XX/XXXX Bal XXXX On XX/XX/XXXX, I sent them a dispute notice, which they ignored, and did not send any debt validation, as required by the Fair Credit Reporting Act. 

I am demanding Wells Fargo to remove the RELATED TO FRAUD items from my credit report. I wans a deletion letter for my records. I have been affected psychologically because of this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I purchased a 4 wheeler from that was financed with XXXX XXXX. In XXXX we were told of an extra charge on the account ( balloon payment ) which was not reflected on the contract I signed. Verbally with XXXX XXXX I challenged this, sent them a copy of my contract and disputed the additional fee. I was directed not to make a payment until this was settled. After arguing this with XXXX XXXX, I was essentially told that I would be held to the balloon payment and I needed to pay the account in full. on XX/XX/XXXX I made the final payment, against my belief that it was a fraudulent charge of {$2200.00}. In XXXX I went to apply for a mortgage and noticed that XXXX XXXX had " charged off '' this account. I disputed it and they changed it to " paid in settlement {$2200.00} written off ''. I disputed this again as it is incorrect. They changed the status to " legally paid in full for less than the full balance ''. I disputed this again because Not only does this balance not reflect in my signed contract, but I actually went ahead and PAID it. I disputed this again and they changed it once again to " paid in settlement {$2200.00} written off ''. This is incorrect so I disputed it 1 more time by calling XXXX directly and having a phone conversation. I just received the dispute results and it was not changed. It still reads " paid in settlement {$2200.00} written off ''. 
I was not contracted to pay a balloon payment and after battling a company to prove myself, they went silent and said I owe the balance of {$2200.00} in full. I paid them in full and it still reflects that I did not and has a negative impact on my credit score and life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had an account that was being reported as belonging to me that is not mine. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. THIS IS NOT MY ACCOUNT account : XXXX XXXX : Account Number XXXX Please investigate and provide Proof with statements showing that this account is mine. If proof can't be provided I demand this account be removed from my credit report. Thank you
Product: Credit card or prepaid card

Bottom line up front : JP Morgan Chase refuses to unlock my account while I am XXXX XXXX. 

XX/XX/XXXX : I attempted to open a business account with JP Morgan Chase while I was XXXX, and it appeared to be approved. 

However, I just found out today ( XX/XX/XXXX ) JP Morgan Chase has now restricted my account. I supplied them all of the information they needed including the title ( XXXX XXXX XXXX XXXX and the XXXX ) ; after being on the phone with multiple customer representatives, I was told that the only way I could unlock my account is to go down to a local branch and prove my identity ( nearly seven times ). I told them that is not possible because I am XXXX, but they continue to tell me to go down to a local branch ( there are no local branches in my XXXX area ). 

As of right now, I am XXXX XXXX  and have no way to pay my credit card balance with JP Morgan chase, and obviously, this will adversely impact my credit card score. I had no idea opening a business account would trigger my account to be locked and think it is insane they are asking me to fly back to the states -- during my XXXX -- to resolve this issue. 

Can you please help me?
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent accounts. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are not accurate. 
According to 15 USC 1681s-2, 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. Additionally, 12 CFR 1006.34 ( b ) ( 5 ) Collection agency has not provided validated info but placed collection ( s ) on consumer report.
Product: Credit card

I contacted my bank Fulton Bank to report a fraudulent charge on my credit card. I was told the charge of {$1900.00} from 2014 by TSBO ( timeshares by owner ) would be removed and I would receive a new card because they would have to cancel my old card. It has been a couple of months and I have yet to see my credit. At this point I do not know where to turn I am XXXX yrs of age XXXX and I feel my bank has not helped me at all regarding this fraudulent charge. I have never heard of this company before until it showed up on my bill. I thought that I understood the law enough to feel that I was not liable for fraudulent charges to my account possibly due to identity theft. It seems Fulton Bank either feels otherwise or is not adhering to the law.
Product: Credit reporting or other personal consumer reports

I am writing to dispute Inaccurate Credit Reporting for XXXX Account # XXXX I called this company, and they were not able to find an account for me. I informed all 3 credit reporting companies, and they still reported the incorrect information. 
So, I am now seeking your help to request an investigation into the reporting of account # XXXX on my credit reports, I have attached copies of my credit reports from XXXX XXXX Experian , and XXXX for your reference, which demonstrate inconsistencies in the reporting of this account as well. This account is not mine and should be deleted from my credit file. I did not sign any contracts with XXXX and I do not owe them any money. 

In addition they are reporting discrepancies with is an FCRA violation which include the following : Account Type : The account is reported as an " Installment '' type account. However, it is reported as an " Educational '' account on XXXX and Experian. This is incorrect and misrepresents the nature of the account. 

Account Status : The account status is reported as " Derogatory '' on XXXX and XXXX 's reports, while Experian reports it as " Paid. '' Date Opened : The date the account was opened is reported as XX/XX/XXXX, on XXXX 's report and XX/XX/XXXX, on Experian 's and XXXX 's reports. 

No. of Months ( Terms ) : XXXX and Experian report 360 months ( 30 years ) for the terms, which is accurate. XXXX, however, reports " XXXX, '' Last Reported : There are variations in the last reported dates, with XXXX reporting XX/XX/XXXX, Experian reporting XX/XX/XXXX, and XXXX reporting XX/XX/XXXX. 

Date Last Active : The date last active is reported as XX/XX/XXXX, on XXXX 's report, XX/XX/XXXX, on Experian 's report, and XX/XX/XXXX, on XXXX 's report. 

Date of Last Payment : XXXX reports the date of the last payment as XX/XX/XXXX, while XXXX and Experian do not provide this information. 

I am formally disputing these discrepancies and requesting a thorough investigation into the accuracy of the reporting for account # XXXX. 

Please conduct a comprehensive investigation into these discrepancies and provide me with the results of the investigation. This account needs to be deleted from my credit file. Please request documentation and show me proof ( a signed contract with my signature. ) I understand that, according to the Fair Credit Reporting Act ( FCRA ), they have 30 days to investigate and respond to this dispute. 

I look forward to a prompt resolution of this matter and the correction of my credit reports. 

Please send me written confirmation of the actions taken as a result of this dispute. Thank you for your attention to this matter.