23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I spoke with this company back in XXXX, I told them to send me proof that I owe this company. pursuant 15 USC 1692c ( b ) I never gave the company written permission to communicate with me concerning alleged debt. I.C. systems has placed this account on my credit report without notifying me about the proof of alleged debt, and have disregarded what the proof of alleged debt that I asked for. When they contacted me by phone at my work place. I.C.SYSTEMS continues to run my credit report without my permission, they have stolen my identity and they are selling securities using my name which is fraud under 18 usc 1348 selling securities and commodities. This XXXX  company is in bankruptcy and I am still a customer with this company. I am aware of the certificate of indebtedness which XXXX  and i.c systems uses assets on the trading market also they filed a 1099 c with the irs for all debts. yet failed to provide me with that 1099 c copy. I expect i.c.systems to be removed from all three of the credit reports immediately, and I also expect for XXXX  to stop stealing my information and giving it to these companies because I know that they are in bankruptcy and it is illegal what they are doing. I am still a customer with this company. I have paid a deposit to be with the company BACK IN XXXX and now with the second attempt to collect a debt that I do not owe they steal my information to make money by selling my securities. My name is copyrighted and I do not appreciate them stealing from me. I will be contacting the sec. exchange and comptroller because this is out of hand. I am also aware that all debts are a obligation of the united states and that both companies have already been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX 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 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

Actions taken : I have reached out to the companies and advised them the credit charged is not my debt. 

Comenitybank/XXXX  - not my debt. ( fraud ) XXXX - not my debt ( fraud ) XXXX  XXXX - not my debt ( fraud ) XXXX XXXX - good standing account, closed, never late XX/XX/2019 & XX/XX/2019, XXXX XXXX XXXX - not authorized to transact.
Product: Money transfer, virtual currency, or money service

Unable to link to XXXX for multiple months. Pnc is either inadequate or unwilling to make my money accessible via 3rd party platforms.
Product: Mortgage

I had a natural disaster in my area and my insurance company provided payments to make repairs. The payments were made to myself and the mortgage company, SunTrust Bank, since there was a loan on the property. The mortgage company has only released a portion of those funds are preventing me for completing the repairs. I have called multiple times and sent in receipts substantiating repairs to no avail. They want to repairs to be complete and inspection prior to releasing funds. I have completed as many of the repairs as I can using my own funds but am quite frankly out of liquid cash and need them to release the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on Equifax Report XX/XX/XXXX and I noticed that this Inquiries had been made XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

This letter serves as a formal complaint you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance weather reported or not. 
Auto Loan-Westlake Financial Servic.Account ending XXXX XXXX I also respectfully request to be provided specific proof that these alleged payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to process that proof, or if lacking proof of these payments being late, please update my payment history to PAANL ( Pay As Agreed, Never Late ) according to consumer laws
Product: Debt collection

A letter was sent to me from XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX stating the decedent my wife XXXX XXXX purchased goods and/or service in the amount of {$670.00} evidenced by account number ending in XXXX and sent that I'm the beneficiary, I'm responsible for this bill. i have sent a copy of the beneficiary. that didn't work. my name is not on any credit card statement and i didn't sing any thing when she open that credit card account back in XXXX or XX/XX/XXXX. When i talked to one of the representative in XX/XX/XXXX i told them i might could pay it but i didn't seek didn't legal advice at that time because i didn't understand my legal right on decease spouse at that time, and now they put it on my credit report witch it shouldn't be. i never had any dealing that company. if I'm the estate all her funs went toward her funeral and to her kids i just made sure that she had a enough money for her burial, and plot. I'm a veteran of the XXXX XXXX and if i have to get a probate lawyer i will.
Product: Debt collection

I am a victim of identity theft. I contacted XXXX XXXX XXXX and notified them that the account they are trying to collect is a result of the theft. 
It's now more than 30 days later and the account still appears on my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  XXXX Balance Owed : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX  XXXX Balance Owed : {$1500.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX/XXXX  XXXX Balance Owed : {$22000.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX XXXX XXXX : {$4200.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

XXXX/XXXX  XXXX Balance Owed : {$8200.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX  XXXX  XXXX Balance Owed : {$2400.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX  XXXX Balance Owed : {$3600.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 



XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} - Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act. 

FAIR COLLECTIONS & OUT XXXX Balance Owed : {$4700.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX  XXXX  I XXXX Balance Owed : {$3400.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau.
Product: Checking or savings account

XX/XX/year> ( approx ) - My debit card was skimmed XX/XX/year> XXXX all ATM cash withdrawal charges were fraudulent XX/XX/year> - I called to report the fraudulent charges. They cancelled the card and told me they would research the transactions. 
XX/XX/year> - I called for an update and was told there wasn't any new information. 
XX/XX/year> Received claim denied {$1500.00} because I had the card in my possession and there were ATM charges in the middle of my debit card purchases. I called them and asked for more information. I was told they would call me back. 
XX/XX/year> I never received any communication. I told them my credit card was skimmed and there had to have been a camera used to see my PIN. Thus, the ATM transactions in question were still fraudulent. I made it clear I was asking for all documentation used in making the fraud determination per Reg E. 
XX/XX/year> Called and had to leave a message with their fraud case asking them to call me back. I tried to look at my account online and it has been suspended so I can not see any of the transactions.
Product: Debt collection

I had cancelled my XXXX service. I was told my XXXX that I had 90 days to pay remainder of the bill. Two weeks later it was forwarded to Afni collection agency. They have been harassing me with phone calls. I've never received anything in the mail pertaining to the debt and when they called, I had no idea that I could dispute the amount with them. In fact, I was told that I couldn't dispute. I received a phone call today and the man I spoke to was very rude and called me an XXXX for not knowing I could dispute the debt and he then told me I was lying about not receiving any letters.
Product: Credit reporting or other personal consumer reports

I have contacted all XXXX credit bureau about this problem I told them I never opened this account and they keep sending it back as and not taking it seriously the account is closed and I ask for poof 3 times these is not my account.
Product: Money transfer, virtual currency, or money service

I have crypto wallet in the website EtoroXXXX, The login email handle is from my university that i recently XXXX. The university disabled my email, and refuses to activate it and allow me to access the account due to a new policy change. I have also contacted Etoro, who refused to give me access. I am unsure how else i can proceed with this. I have my username, and password. But the Etoro.com requires access and verification to this specific email. 
The university is XXXX XXXX XXXX XXXX at XXXX. 
The head of the XXXX XXXX department is XXXX XXXX XXXX and her email is XXXX. 
XXXX.
Product: Mortgage

A week ago, on XXXX, under the Fair Credit Reporting Act, I exercised my right to request in writing to Banco Popular de Puerto Rico XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX a disclosure of the nature of the specific reasons regarding denial of credit for Mortgage Loan. The only documentation provided by Banco Popular de Puerto Rico was on XXXX stating unacceptable value or type of collateral. Communication attempts after my request of XXXX have not been successful in obtaining a final report with an appraiser conclusion in written. 

Based on a home inspection report obtained on XXXX, no statement was made suggesting that the type of collateral was unacceptable. The discrepancy, lack of transparency and denial of providing a final appraiser report suggest a reasonable basis to believe that the appraisal was flawed or tainted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 States I : It also states a consumer reporting can not furnish an account without my written instructions.
Product: Checking or savings account

On XX/XX/2019 I visited my local PNC bank to inquire why my checking account was continuously overdrawn, since I very seldom use the account. I use the account for direct deposit savings primarily. I spoke with Mr. XXXX XXXX, who printed out an account transaction detail report. He and I discovered that there were weekly unauthorized withdrawals of $ XXXX {$29.00} from XXXXl XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 
I immediately phoned these companies to stop payments. XXXX XXXX that they would refund my money and close the account. I was unable to contact XXXX XXXX, XXXX, ( just music playing-no answer ). I requested to close my account with PNC, but Mr. XXXX advised me against the closing until my money was reimbursed. He assured me that he would file disputes against these payments and I would be reimbursed. Needless to say, the very next week 2 more withdrawals from my account was made and PNC did not stop the payments even while they were in dispute. 
My account transaction detail report indicated that this has been occurring for over a year, totaling to well over {$2000.00}. 
Mr XXXX informed me on XX/XX/2019 that due to the number of times these unauthorized withdrawals were made, the bank will not reimburse my money, and they could no-longer assist me.
Product: Student loan

I am a co-signer on a Wells Fargo student loan for my daughter ( Loan # XXXX ). She missed several payments in XXXX. Wells Fargo failed to contact me as a co-responsible party and subsequently entered poor credit information on my credit report. Wells Fargo fails to update their systems so that notifications are timely and immediate corrective action be taken by the co-borrower. I was issued three Wells  Fargo complaint numbers ( # XXXX, # XXXX and # XXXX ), all failing to resolve the issue. I will attach evidence Wells Fargo changes information in their internal systems regarding contact information that I neither requested or agreed to - and they changed it to a wrong address - more than once. Yet, Wells Fargo have my correct email address but still fail to send me notifications as the co-borrower. I requested, due to their negligence, that Wells Fargo remove this erroneous reporting. They refuse to do so. I know I changed my contact information XX/XX/XXXX - they failed to update it in their system. 

Given issues with this loan, I paid the loan off in full on XXXX XXXX. I sat in front of loan officer XXXX XXXX at the Wells Fargo Bank on XXXX XXXX XXXX in XXXX NC. I told her my goal was to pay the loan off in full that day and to dispute late fees and credit reporting due to Wells Fargo 's lack of proper loan servicing. XXXX told me the payoff - minus the late fees, which they were waiving - was {$4700.00}. Indeed, they included {$230.00} in late fees ( documents attached ). They  subsequently refunded my daughter {$48.00} - they still owe me {$180.00} ; they refuse to refund this amount. 

I have tried and exhausted all my attempts to resolve this issue with Wells Fargo - they are impossible to work with. I request your help in getting both my credit rating restored back to it's near perfect rating - and the refund that is owed. 

Thank you
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , XXXX credit reporting agency XXXX credit reporting agency and XXXX reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX in XXXX of XXXX for {$14000.00}, a personal loan account opened at XXXX XXXXXXXX XXXX in on XXXX of XXXX for {$2500.00}, a credit account at XXXX with a balance of {$87.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 
Inquiries found on Transunion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

XXXX of XXXX put me into a predatory loan when I bought a XXXX XXXX in XXXX. The loan was to run for 6 years and $ XXXX. Early this year I entered into a settlement agreement with Santander, the loan on the car, that releases them from any liability. As part of the settlement agreement I pay {$390.00} every month, and they reduced the amount owed on the loan. Santander 's legal department and I signed the settlement agreement, and I would send the settlement payments to their XXXX department. I have not missed a payment or been late on any of my payments. Santander violated the settlement because they have been reporting me to all 3 credit bureaus saying I have been delinquent on the loan. I no longer have a loan, because I settled for a reduce amount. I have XXXX XXXX and I am unable to get a job because it ruined my credit rating. This is causing me physical stress and making me more sick. Santander violated the agreement when they reported me to the bureaus after we reached the settlement. It 's unfair that Santander does n't have any penalties for violating the agreement, when every other consumer would. They are treating the legal settlement agreement as one sided which is illegal.
Product: Debt collection

I received a collection from XXXXXXXX XXXX, in XXXX XXXX I received a collection from a XXXX XXXX. I paid what I owe directly with the city. In XXXX it still show as derogatory mark on my credit score. I called the collection agency gave them all of my info of payment, dates & who I spoke to. Its XXXX now the collection agency has not reported the debt was paid off and the amount is different.
Product: Credit reporting or other personal consumer reports

I owed a debt to XXXX XXXX for over a year. XXXX reported me to Chex Systems. I paid off the debt to XXXX XXXX on XX/XX/24. 

I called Chex Systems several times and was told that XXXX XXXX had to call Chex Systems to remove the unpaid debt, as paid. Every time XXXX XXXX called Chex Systems, they were told it was my account and that Chex Systems could not speak to them. 

In my several calls to Chex Systems, I have been given a different answer with each agent as far as how long it would take to get this off my record. The last agent said as long as 5 years. That is totally unacceptable to me. How am I going to open a bank account? 

Please help me to stop getting the run around and to get this off my record! I have the payment receipt to prove the debt is paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon I'm reaching out because you have Send me a notification via email confirming that Bank of America account was deleted from my credit report however upon opening my credit score I can clearly see that it's still visible and available on my credit report. Again you have no evidence at all or any proof that this account belongs to me however I have a document attached with over 20 pages With evidence confirm that this is not my account again go over my documentation step-by-step and don't you dare to tell me again that I have not provided you enough information and that you somehow are able to verify this account and yet don't provide me with physical proof as you are obligated by federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware that consumer transactions regarding my credit card are governed by Title 15 of Commercial Code. I have expressed the discrimination and invasion of privacy that has been inflicted upon me. On advice from my counsel I am filing this complaint because I am being defrauded by Equifax and they refuse to verify the information that they are reporting. This information is fraudulent and has not been verified. I am making them aware that they are in violation of 15 USC 1692B [ 2 ] - Stating a consumer owes debt 15 USC 1602 [ P ] and most importantly 15 USC 1681 [ B ]. I would like for the following accounts to be blocked from my consumer report within the 3 business days allowed by law. I have not supplied them with any written document with my signature allowing them to furnish any information on my behalf the original creditor. 

Furnish written consent authorization to furnish and sell my private information on my consumer report or remove accounts and inquiries, XXXX XXXX XXXX XXXXXXXX inquiry date XXXX, XXXX XXXX XXXX XXXXXXXX inquiry date XXXX, XXXX XXXXXXXX XXXX date opened XXXX, XXXXXXXX XXXX XXXX  date opened XXXX, XXXX XXXX XXXX XXXX Date XXXX XXXX.
Product: Debt collection

I have XXXX separate loans with Green Sky due to the contractor delays. These are separate accounts with different passwords and sign ins. On XX/XX/2022 I paid one account and on XX/XX/XXXX I paid the other account. After about one week I received a call that the one account was past due. I called to the company and explained that I did pay both accounts and that they applied both payments to only one account. The person argued with me that they did not do that. I asked the person to check the other account and she then reported that both payments had been applied to one account. I ask that one payment be transferred to the other account and expressed concern that this has happened before which she denied. After some heated discussion she agreed to transfer the amount to the other account. The last time this happened I had to contact them several time to have the late fee removed as it was their fault that the payment was not applied correctly. This affects my balance as they apply a second interest charge to the account they say was past due. Now I have receive a letter dated XX/XX/2022 that the account IN question is still past due. I need some help.