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

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I apply for a car loan for my vehicle and my credit. Other leaders unauthorized pull my creditors I tried to dispute this with the credit report companies, and they refuse to take it off. Please help me with this matter This is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an account on my credit report with no creditor listed. I've been sending letter after letter about this issue. How can I verify an account if I don't know who this account belongs to or where it came from. I have been sending letters since XXXX of last year to no avail.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed hard inquiries that do not belong to me.
Product: Credit reporting or other personal consumer reports

Company has not done a proper investigation into verifying the account. 

Per my previous complaints with the CFPB, the account that I am disputing with XXXX  could not be validated because their response was that the account was in litigation. Transunion is claiming that the information is verified as accurate, how is that possible? I have raised these concerns with other credit reporting agencies such as XXXX, and their results were that my dispute valid and the account was deleted because the dispute met the requirements of the Fair Credit Reporting Act. Transunion has been negligent and not thorough in my requests for proper reinvestigation.
Product: Credit reporting or other personal consumer reports

This will be the third time I am asking Transunion for a re-investigation on account named XXXX XXXX XXXX to be removed as it is not mine. the original contract with me and XXXX XXXX XXXX was never provided from the creditor and transunion. 

remove account immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX XXXX Credit Line : {$300.00} Balance ; {$1200.00} Opened : XX/XX/2017 This is not me ; I have no knowledge of this account. this is fraudulent and should not be on my credit report.
Product: Mortgage

On XX/XX/2020 a mortgage payment in the amount of {$760.00} : for mortgage payment {$700.00} plus {$59.00} for principal, was made to ShellPoint mortgage company. 
On XX/XX/2020 ShellPoint Mortgage servicing company withdrew Insurance premium disbursements {$490.00} from my escrow account. I have never had insurance premium disbursement withdrawn. I have homeowners insurance and the condominium complex has their own insurance for the condominium property. 
On XX/XX/2020, the ShellPoint mortgage company has the escrow balance showing to be {$1200.00} after the {$490.00} was withdrawn for the insurance premium disbursement. 
This is incorrect as my escrow balance should actually be {$1700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card company fraudulently reported my payments as 90 days late to force me into collections my next payment due date is XX/XX/2023 of XXXX but I've been reported erroneous and my account is supposedly in collections when I asked for the number to collections I was told it was in house collections and the department was closed and that someone would call me tomorrow after a few days of waiting I called back and was told they don't have a collections company so I asked for the number to the collections company I was informed that it hadn't been assigned to a collection company and that they had sent me several letters that I never received
Product: Debt collection

This number : XXXX constantly calls my cell ( had to change my cell & somehow they found this number ), my landline ( unlisted ), my Sister ( from another number ). 
This is getting very frustrating, especially because they are contacting my Sister of whom lives over XXXX miles away and have zero understanding how they can legally get these numbers and do this.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX block information appearing on my XXXX XXXX report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A cell phone account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an auto loan opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an auto loan open at XXXX on XX/XX/XXXX ( XXXX ). Unauthorized inquiries XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, Consumer, who currently reside at XXXXXXXX  XXXX XXXX XXXX XXXXXXXX XXXXL XXXX, which is in XXXX XXXX XXXX I am writing this complaint because Transunion, LLC., is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX XXXX XXXX, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the Transunion credit file of XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

This company illegally obtained a judgment. They have a court date set for XX/XX/XXXX and the debt in now paid in full. The amount/percentage being taken has caused me a severe loss of income that has now put me behind on necessities and no money for food or gas, all payments are past due now. I have attached proof that this debt is paid in full as of XX/XX/XXXX and it is now in over payment. I CAN NOT afford XXXX a month to continue to come out of my paychecks for another XXXX months. Please CEASE garnishment ASAP. They are not returning my calls and have forced me to obtain my own attorney for the abusive and deceptive collection methods used.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XXXX XXXX. I checked my credit score on XXXX XXXX banking website. XXXX XXXX uses Experian and XXXX XXXX. XXXX XXXX credit score is not the same as my Experian credit score on Experians website. Experian is using XXXX XXXX as well. I have attached both websites to show proof that the credit scores are not the same. The fair credit reporting act law states that all consumer credit reports and scores MUST be accurate. Why is XXXX XXXX not reporting the same XXXX XXXX score as Experian???
Product: Checking or savings account

PNC completed their takeover of XXXX in XX/XX/2021. Since then, their online banking service has become erratic, and now I have been unable to access my funds for the last two weeks. I went to the branch-they could not assist me, but did submit an internal complaint, telling me I should expect an answer in 3-4 working days. They called in 3 days when we were not home. They left a call-back number which no one answers.so much for customer response I still can not log into my account and still get an error message advising to try using another browser, which implies the largest US browser XXXX XXXX XXXX XXXX has somehow become incompatible with their system. They also list a help number, XXXX, which has a prerecorded message of " higher than normal call volume and minimum wait of 20 minutes ''. I tried waiting for 37 minutes before giving up on their wonderful customer service. 
I was able to log into a text box on their web site, actually able to talk to a live person. She told me their servers were down as why I could not access my account and simply try in an hour. Male bovine excretion is still XXXX*, and my trying again gave the same result. But even the most weak-bladdered bed wetter in their IT department should have found the bug in two weeks if that was indeed a valid cause, but I doubt it was. Totally frustrated and need to pay some bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

I received statements in the mail with a savings account opened in my name with Marcus by Goldman Sachs. I did not open or give authorization to open this account in my name.
Product: Debt collection

On XX/XX/2018 I contacted XXXX with XXXX at XXXX XXXX in concerns with a listing on my credit report in the amount of {$470.00}. XXXX stated that she checked he system and wasn't sure of why her company is listed on my credit report. She then stated that she is the assistant manager and she is not sure the debt is even true. She advised me to contact Hunters Warfield and see what information they have because if its being reported by them then that means they no longer own the debt and she doesn't want to discuss something that she knows nothing about. On XX/XX/2018 I contacted the XXXX in regards to a listing on my credit report. I spoke to a rep by the name of XXXX Id # ( XXXX ) I advised him that I wanted to file a dispute with a company called Hunter 's Warfield in the amount of {$470.00}. XXXX was very unhelpful, he basically refused to file my complaint. I contacted Hunters Warfield on XX/XX/2018 and spoke to the rep by the name of XXXX Id # ( XXXX ). I contacted her because I was concerned with this item that listed on my XXXX report and also listed on my Husbands XXXX, XXXX, XXXX report. XXXX advised me that she has no item in her system for this amount and was unaware of the account in questioned. On XX/XX/2018 I contacted the National Legal Aid for assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$7500.00} improperly reporting on credit reports
Product: Debt collection

Midland credit management ( XXXX XXXX XXXX la XXXX XXXX XXXX XXXX XXXX California XXXX ) will not send me the information that I am asking for to validate this debt. Nothing that bares my signature, nothing showing I entered into a contract with this company, proof they are allowed to collect in my state etc. All they keep sending me are computer generated invoices with another companies name on it. I do not know Midland credit management, nor have I ever done any business with this company But yet they continue to report this negative information on my credit and say that I owe them XXXX and XXXX dollars. They just cant put things on peoples credit without proving that it is indeed their debt. Thats not right nor lawful
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided Experian and XXXX proof that the ( 2 ) bankruptcies that they continue to report against me are fraudulent. Experian and XXXX get their public record data from XXXX, and the letter that I am providing as proof that these bankruptcies are fraudulent is from XXXX their own public records vendor, yet they both continue to report this fraudulent information, and this is willful and malicious conduct, and this conduct is also actionable meaning that I can file a lawsuit against XXXX and Experian for their continued willful and malicious conduct and I intend to do so if they do not begin to immediately adhere to the FCRA, and discontinue to report information they know to be fraudulent. The attached letter confirms they are reporting information they know to be incorrect/inaccurate. XXXX and Experian need to immediately discontinue reporting both fraudulent bankruptcies. Which are as follows Chapter XXXX Case XXXX Chapter XXXX Case XXXX These bankruptcies are not mine and I have never filed a bankruptcy and I have never lived in the state of S.C. and I need Experian and XXXX to adhere to the law and immediately remove this fraudulent information from my credit files.
Product: Money transfer, virtual currency, or money service

I sent {$500.00} via bank wire transfer to Coinbase Inc without my reference number. The money will not know to go to my personal account and Coinbase claims to be backed up and arent prioritizing refunds at the moment. I would like my refund ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I took out a loan on a used vehicle and made my payments i also paid for credit protection on my loan incase i should become XXXX or something should prevent me from making my payment. In XXXX I suffered a XXXX  XXXX and spent time in the hospital and fell behind on my payments. The credit protection I paid for was not honored and I was harassed for my payments. I paid up what I was behind so that there was no past due balance owed the financial institution I acquired the loan from XXXX accepted my payments then sent a towing operation out to repossess my vehicle. The tow operator trespassed on private property to take my vehicle which constituted a breach of peace. He tore the whole front end off my car in the process of him removing it from my property. XXXX sold my vehicle at an auction for less than it's value due to the damage inflicted by the incompetent tow company XXXX 's. Since XXXX XXXX has been trying to recoup their loss of value from that damage from me after I had already paid over XXXX dollars of the XXXX that the original loan was for. At that time I had a XXXX credit rating which they have trashed. I now have a XXXX credit rating due to their incompetence.
Product: Credit reporting or other personal consumer reports

I called to put my student loan on deferment and was approved for 1 year. 6 months later I received a notice saying I'm being put on collection. I called to find out what happened and explained that I was eligible and approved for 1 year deferment. The people on the phone said that they are not going to change it, I also asked for them to check and provide me with the recorded conversation and they refuse to provide it saying it was not recorded. The situation was that I was approved XX/XX/XXXX and was supposed to end XX/XX/XXXX. The agent made a mistake and entered the deferment for XX/XX/XXXX and ends XX/XX/XXXX. I raised this issue and they said that the line dropped and I never called back, which is why i asked for recorded conversation. They refuse to fix this issue and have dropped my credit score and rating. This is affecting my personal and professional life and I do not thing this is fair.
Product: Debt collection

On XX/XX/XXXX, I wrote to Bank of America ( BOA ) asking them to settle for {$2400.00}, a portion of the {$9700.00} debt as I had lost my employment, could not secure employment, and could no longer make payments. I also asked them to freeze my account so we could talk about the settlement. Prior to this, I had asked for lower interest rates and they refused, saying I wasn't on their list. Just recently, I was informed that I wasn't on their list because I was a customer in good standing. 

I finally heard back from BOA in XX/XX/XXXX regarding discussing a settlement. I called them at the number on the letter and we both agreed to a settlement amount of {$2400.00} and they went into the script regarding the settlement agreement. When they finished, I told them that I would need that in writing and I would pay. The representative told me she could not put that in writing. I did not know what to do as I read that I should make sure it is in writing ; otherwise they can just say it was a payment. If found this to be deceptive and did not pay them. 

XXXX XXXX is trying to get a judgment against me in court for {$11000.00} on behalf of BOA. I called them multiple times and asked them who they are exactly and they said they are the lawyers for BOA. I told them about the previous settlement and they said they would settle for over {$8000.00}. I told them that is not doable. They replied that they just want a judgment against me. 

I never received anything from BOA saying they had turned over my account to any collection agency. so on XX/XX/XXXX, I called BOA directly and spoke to XXXX XXXX I had to ask her name and she did not help resolve my problem. She transferred me to someone else who also got off the phone without stating her name. XXXX did not state who she was transferring me to. I had been calling about a settlement that had been negotiated previously. She mumbled something about the exact negotiated amount ( so I know it is in their records ), but did not acknowledge the problem or why she could not handle it. 

I was finally transferred multiple times with mumble mouths and I was ultimately forwarded to XXXX XXXX and spoke to XXXX who refused to negotiate or acknowledge any previous negotiation. 

I called BOA again today and was told that BOA had charged off the account for {$11000.00} on XX/XX/XXXX and that they were not handling it. He said I had to speak to XXXX XXXX and transferred me to them. I wound up speaking to XXXX XXXX who transferred me to her boss XXXX XXXX ( the same couple of people from XXXX XXXX ). I asked them if they were XXXX XXXX or XXXX XXXX. They said XXXX XXXX. I asked them who are they representing, XXXX XXXX or BOA. He said they are the attorneys for BOA. I feel like I am being deceived. I again mentioned the previous settlement and even offered him {$4100.00}. XXXX put me on hold and told me BOA would not settle for less than the XXXX. I feel like I am being deceived, that they no longer represent BOA and that I am being scammed.
Product: Checking or savings account

XXXX XXXX Client Liaison, Citibank XXXX Response Unit Reason of review : Problems with ach deposit, managing deposit Checking account ending in XXXX Monetary Loss : {$2600.00}. Preferred solution : Refund of my balance {$2600.00} Per OCC Case # XXXX and CFPB Case # XXXX RESPONSE The deposit in question that Citibank feels does not belong to me ... You have stated that if i believe it does belong to me, for me to send documentation. I am sending the documentation that shows the deposit does belong to me and was sent to my checking account. thank you for you time, i have left many voice mails and tried calling different channels but have not gotten a response. I appreciate your assistance in the matter and look fwd to getting this resolved as soon as possible. I hope that this information reaches either you or someone that can see my information and my verifying documents and see that this has been one big mistake on Citibank part and can refund my balance since my bank account was already forced positive balance closed for no reason i hope to be recieving the refund in form of check in the mail for my remaining balance that does belong to me from Checking account ending in XXXX. Account has been closed. The deposit amount in question was withdrawn as other description and not refunded or allowed for my use I HAVE ATTACHED THE DOCUMENTS THAT SHOW THE PROOF THAT THE DEPOSIT DOES BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian phone # XXXX XXXX XXXX XXXX Is reporting this false account on my credit report please remove 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 retrieved a copy of my credit report from Experian and XXXX Credit Bureaus, and I noticed a credit inquiry that I did not authorize.
Product: Checking or savings account

I've maintained a checking account with Fifth Third Bank for the last couple of years. I recently moved from XXXX XXXX XXXX XXXX, and have used my account less frequently. I contacted the bank to update my address in XXXX of XXXX. 

Shortly thereafter, with no notice, the bank began charging me a " Dormant Account Fee '' of {$5.00} per month. I did not receive any written or electronic notice from the company until XXXX of XXXX. It now appears that they have taken {$50.00} from my account, which represents 10 % of the total amount of money in the account, and the equivalent of a 30 % APR. 

This " Dormant Account Fee '' was not disclosed in any clear or conspicuous way when I opened the account. Worse, I was not notified prior to the account being considered " Dormant. '' Additionally, I was in contact with the bank about my account in XXXX of XXXX. I was told by their customer service representative that accounts are only considered " Dormant '' if there has not been activity for 12 months, which clearly there was in XXXX of XXXX. 

Fifth Third Bank refused to refund these fraudulent and abusive fees and threatens to continue to charge them.
Product: Credit card

To hum this may concern. I XXXX XXXX did not open this credit card account from That was open XX/XX/XXXX. MCM is trying to collect on it. Someone was making payment on the card. till XXXX. It was charged off in XXXX. I have never heard about this card until Now. McM phone number XXXX. When you get this handled, please call or email me at XXXX or XXXX Thank you,
Product: Debt collection

I am filing a complaint regarding Kikoff Lendings failure to properly apply my promissory note to my account as payment in consideration of value. Despite fulfilling my obligations under the promissory note, Kikoff has not credited my account accordingly, resulting in inaccurate account status and potential harm to my credit. I request immediate correction of this error and proper application of the payment as agreed.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

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 XXXXXXXX XXXX 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

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

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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.