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

Information of former address is incorrect, also addional names on my report are incorrect.and names tha are not me and I have never use and I want the information corrected to identify me
Product: Checking or savings account

On the evening of XX/XX/XXXX I received a check from my grandfather as a XXXX gift. I deposited the check into my bank account at BMO Bank. A day or two after the check got deposited ( but not cleared ) it was revealed that my grandfathers accountant cut the check from the wrong account, canceled it, and mailed me a new one from the right account. I called my personal banker and let him knew what was going on ( left him a voicemail ). On XXXX XXXX, my debit card got declined after trying to make a purchase. I tried to log into my mobile banking app but it wouldn't let me in at all. I called my banks XXXX number and explained the situation and they told me I had to talk to fraud department. Fraud department explained that they suspected check fraud on my end after the check got canceled. I explained everything, and told them I would be depositing a new check tomorrow. They still told me my account would be frozen for anywhere from 14-30 days. I told them it's the end of the month and I have bills that are due and money in my checking account I need to access to pay them. There's close to {$850.00} in my checking account sitting there. They did not let me access my money or offer any sort of solution. I was over an hour away from home at work and I needed to get gas to make it home and I had no way to access my money that was rightfully mine ( that has nothing to do with that check either way ). I stopped into a local branch the next morning and deposited the new check. The tellers told me to call the fraud department and let them know i deposited the new check. Fraud department still told me that I can't access my funds- once again, I understand the check needs time to clear but I had money in there already free and clear that I needed. On Monday, I went in to speak to my banker that I have an existing relationship with. He tried to get my money out and he couldn't. We both called fraud and I literally begged them to let me get my money, I have bills to pay, XXXX is in two days and I could be in serious trouble if my account is still locked and I need to pay my rent. They offered no solution other than to " go to a different bank '' -- I've had to take unpaid time off work to find a new bank, get all that set up, open new accounts, etc all while there's money in my old account I still can't access. My money has been held hostage from me by my own financial institution I've been loyal to for over a decade. They offered no solution, no help, no compassion, no nothing. And there wasn't even fraud to begin with, yet they've been treating me like a criminal. I have absolutely no idea what to do now. They are literally running my life over this- if I can't pay my bills, I could be homeless. And I have the money all along!
Product: Credit card or prepaid card

Id received a U.S. Bank XXXX in the mail today ( XX/XX/2021 ). The issue is, Id never applied for unemployment. Ive been working for almost 20 years. Even during the pandemic, Ive been working. 

I was transferred from person to person. A specialist did take my call. Shed informed me that the card was in fact for unemployment. Shed stated that she was going to get me over to the unemployment department. Where they can pull the application. As well as close it out. 

Placed on hold. Someone picked the call, they never responded. They just held the phone. So Id decided to look for a site on the documents placed in the envelope with the credit card. 

Therefore, Im reaching out to you all for further assistance on this matter. I do not know the amount on the card. I did not activate this card. 

Kind Regards,
Product: Checking or savings account

i received an offer from us bank for a debit card that i did not order, request or desire. 
all attempts to call the company require me to activate the card or provide other information such as social security numbers. Although provided my social security number I did not provide any more information. 
I believe this may be a fraudulent offer as there is no information such as a cover letter summarizing this offer. it merely states to call to activate and funds will be allocated. 
I want this action stopped immediately for fear of possible identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted over XXXX letters to the credit bureau and nothing has happened I feel humiliated and frustrated now the lender ( XXXX XXXXXXXX XXXX ) has sent me a letter to have XXXX XXXXXXXX blocked and removed from my file they request the removal and so do I of the account immediately! I have attached proof this is me XXXX XXXX not a third party
Product: Consumer Loan

I was recently in a car accident and my car was totaled out. The insurance company paid Exeter Financial approximately {$6200.00} and because I do not have gap insurance I still owe approximately {$5500.00}. I immediately called Exeter Financial to see what they could do to work with me being that I no longer have the car. XXXX of the representatives said that I must still pay {$390.00} per month or I will be charged for interest and late fees. I said I did not know what I could do and was contemplating bankruptcy. Before I know it I am receiving collection calls for my car payment due XXXX/XXXX/2015 even though they just received a check from my insurance. Exeter Financial has a good contact number for me and knows my place of employment. After being only 4 days late representatives started calling my relatives. A lady named XXXX called my ex husband and said I told her to call him. I never gave permission to call my ex husband or any of my relatives especially being they have more then XXXX good contact number for me. I immediately called Exeter Financial and spoke with a supervisor who said she would look into the call. However, XXXX will not stop calling me and my relatives. The last time she called I said I do n't want anymore calls to my cell phone and XXXX Stated " the collection calls will continue ''. I want these representatives to stop calling my relatives and my cell phone over and over again. They will not work with me at all and now I am being harassed.
Product: Checking or savings account

I was scammed out of {$750.00} trying to make a purchase using XXXX XXXX XXXX and my JP Morgan Chase bank account. in the total of 3 transactions the first was XX/XX/2020 fro the amount of {$350.00} trans action # XXXX XXXX the second was for the amount of {$250.00} on XX/XX/2020 Transaction # XXXX XXXXand the final payment was on XX/XX/2020 for the amount of {$150.00} transaction # XXXX, I have not received the product and the seller stated he would not return the money to me unless i payed him more money. I stopped communicating with the seller and contacted both companies and was told they can only tag the other persons account for no further activity. I feel this is not fair and something has to be done about it. I am out {$750.00} and no one can help me with the recovery. Is there anything I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has allowed a collection agency 's debt/collection amount to remain on my credit report after they have received my letter regarding fraud/identity theft. There is a company named XXXX XXXX XXXX that I have no knowledge of, put two medical collections on my credit report for {$180.00} and {$80.00}, both which do not belong to me. I have never had any dealings with the named company, nor did the company provide me, nor Experian, validation that the debt belongs to me. The company, XXXX XXXX XXXX, did not and can not show written proof of my signature, nor did I provide them any written authorization or consent to obtain any of my medical records or history ; at which, if the debt was mine, they would be in violation of the HIPPA law, as all signatures contain personal medical history and costs of services. Again, I have no knowledge of this debt, no knowledge of this collection agency named XXXX XXXX XXXX, Experian had received information regarding my identity being compromised, and the collection agency can not legally validate to me, nor Experian, through my signature, that the debt is mine. I'm requesting that Experian please remove the Collection Agency named above and the collection debt, which is not mine, of {$180.00} and {$80.00} from my report.
Product: Checking or savings account

I have been referred to CFPB by DATCP of Wisconsin for further action against XXXX, aka XXXX XXXX, aka XXXX, aka XXXX XXXX  XXXX, aka XXXX XXXX XXXX, aka Fiserv Inc., XXXX Fiserv XXXX, XXXX, WI XXXX. My complaint was initially filed with the XXXX  of Wisconsin ( ID # XXXX ) who contacted the offending company ( ies ) on my behalf, to their highest level of negotiation and subsequently referred me on to DATCP of Wisconsin, and then on to CFPB. XXXX  of Wisconsin secured for me a promise of partial refund of my monies from Fiserv Inc. ( {$2200.00}, still not received ). If this amount is indeed ever received there remains an outstanding refund amount of {$3600.00} for ACH debits from my checking account. The companies listed above ( all somehow interconnected ) enacted fraudulent ACH debits from my bank account for equipment rental and services for credit card processing from XX/XX/XXXXXXXX  until XX/XX/XXXX, when no such equipment or services were being utilized by me. They are unable to provide any executed documentation or contract justifying this debiting of my account monies despite my multiple attempts at obtaining such. Multiple phone calls to the agents of these companies resulted in a complete stonewalling of my attempts to receive documentation and retrieve my monies. On 2 of the calls I was assured that a " refund agent '' would contact me. Call reference # XXXX took place with XXXX on XX/XX/XXXX. Call reference # XXXX took place with XXXX on XX/XX/XXXX. A call with XXXX on XX/XX/XXXX assured me that the matter would be " referred to the investigation team. '' No further contact was received until XX/XX/XXXX when I was called by XXXX XXXX XXXXXXXX XXXX XXXXXXXX asking for my bank statements showing the debits. The statements were emailed 3 times to XXXX until finally received as confirmed by me with a call ( Reference # XXXX ) to agent XXXX. All agents, on all calls, refused to provide me with a mailing address for their companies for me to further pursue, which led me to the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECKED MY CREDIT REPORT AND SEEN THAT SOMEONE HAS BEEN APPLYING FOR CREDIT AND I HAVE NO KNOWLEDGE OF THIS AT ALL AND I ALSO HAVE IDENTITY THEFT ON MY CREDIT REPORT FOR FRAUD.             Inquiry date
XXXX XXXX XXXX
Removal date
XXXX XXXX
Additional details
Business type
Finance, personal
Contact info
Address
XXXX XXXX XXXX XXXXOHXXXX
Phone number
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sent letters to Transunion and XXXX on XXXX/XXXX/2017 with information from the courts that they do not/ nor did they verify a bankruptcy. I requested information from the credit bureau asking who verified this information, the date as well as the proof that was furnished. It has now been almost 2 months and both bureaus have failed to provide this documentation. XXXX is reporting a charged-off account from XXXX XXXX that they maintain was verified. I requested a copy of the alleged contract. Also the person who furnished this information. I have not received a response on requested documentation. XXXX is reporting an account that is not mine. They stated in complaint # XXXX that the account was removed from my credit listing. The account was never removed and is being reported incorrectly. This account needs to be removed. The credit bureau continues to say that the account was verified but has yet to furnish the requested ( original contract, person who furnished information, date info was provided )
Product: Checking or savings account

Claim # XXXX for capital one. 
I gave you that because theres a bunch of different transactions that were unauthorized. I called capital one on XXXX stating that there were a bunch of unauthorized transactions on my account. One day later they denied it. I called again on XXXX asking for why. I didnt hear anything back until XXXX. They told me that because I logged into my account, which I have to to pay my credit cards through them, that they cant determine it was fraud. I told them that I didnt notice anything was wrong until I noticed I didnt have the amount of money I was supposed to have then immediately called them to handle it. But because I logged into my accounts they cant determine the fraud. Which I dont think is fair because they can say that to anybody just not to pay and in my case whoever had my card information just got away with it. They also said because the transactions were in my city which yes obviously because someone stole my card information they would be in my city. The amount was for {$910.00} in total. Ive called several times and nobody wanted to help. I told them I mainly use my credit cards so no I dont look at my transactions how they say I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a charge off account and payment history past the closed and paid in full date. 

XXXX XXXX Closed XX/XX/XXXX the balance is {$.00} however they are reporting that the account charged off in XXXX I attempted to contact the creditor but was told the information is correct. The account was closed with a zero balance in XXXX and could not have charged off in XXXX because there was no balance. Please assist me with reporting the account accurately.
Product: Credit reporting or other personal consumer reports

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

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 XXXX 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 XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my privacy and confidentially under 15 U.S.C 1681. 


Account name- XXXX XXXX XXXX XXXX XXXX ... My transunion credit report states I wasn't delinquent in XX/XX/XXXX but experian credit report is reporting a 30 late payment in XX/XX/XXXX. In XX/XX/XXXX, transunion credit report states i was late 30 days but experian report, reports was 60 days late. My last payment on this account was XX/XX/XXXX. Both transunion and XXXX reports a final payment of {$370.00} but but both reported that i was 90 days late. All of this info is inaccurate. 
XXXX XXXX  # XXXX ... My transunion credit report states I was 120 days delinquent in XX/XX/XXXX but experian credit report is reporting a 150 day late payment in XX/XX/XXXX. In XX/XX/XXXX, transunion credit report states i was late 120 days but experian credit report 150 days late. All of this info is inaccurate. 
XXXX XXXX XXXX # XXXX... Transunion credit report, reports maximum delinquency of 30 days in XX/XX/XXXX and in XX/XX/XXXX but experian credit reports reports delinquency payments of 30 days in all of these following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All this info is inaccurate. 
XXXX XXXX XXXX... Transunion credit report, reports maximum delinquency of 120 days in XX/XX/XXXX and XX/XX/XXXX and but experian credit reports reports delinquency payments of 150 days in XX/XX/XXXX, not 120 days delinquency. In XX/XX/XXXX experian reports shows 90 days late not XXXX. This info is inaccurate. 
XXXX # XXXX... Transunion credit report, reports maximum delinquency of 120 days in XX/XX/XXXX but experian credit reports reports delinquency payments of 150 days late in XX/XX/XXXX. In XX/XX/XXXX transuion reports a 120 day late payment history but experian reports that this account was in collection in XX/XX/XXXX All this info is inaccurate.

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 may make any consumer report containing any of the following items of information. Any other adverse item of information, off than reports of conviction 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 consusumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

for the past XXXX years I have fought identity theft via multiple disputes filed FTC affidavits and filed police reports. [ please see attached documentation ] I noticed XXXX XXXX XXXX reappear on my Equifax credit report which were deemed identity theft and were removed. upon notice I filed a dispute with Equifax who did not do a complete investigation to contact the card issuer synchrony bank but instead using a data furnisher which should not be used for identity theft situations. Equifax errored by not following the FCRA in not removing the disputed items when given the correct documentation. Equifax errored by not sending the dispute directly to synchrony bank. Equifax errored by not providing me correct contact information such as the name of the person and phone number of the person who verified the information as correct. Equifax failed to block this information when i have met FCRA requirements.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX | presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX. {$1500.00}, XXXX XXXX XXXX XXXX {$47000.00}, Dept of Ed BaXXXX. {$6100.00}, Dept of Ed Bal. {$3500.00}, XXXX XXXX XXXX XXXX. {$1300.00}, XXXX XXXX  XXXX XXXX. {$1100.00}, XXXX XXXX  XXXX XXXX. {$640.00}, XXXX XXXX XXXX {$240.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I switched Home Insurance Companies at the renewal period last month going from a XXXX   annual amount to XXXX and Stearns sent out the payment. I got my annual Escrow Statement and for some reason it's stating that my Escrow account is short/negative for next years payments. I look at the details and it shows the XXXX deduction twice giving me a negative balance. Then they adjusted my payments for next year from XXXX to XXXX to compensate for the shortage. I called yesterday XXXX and spoke to a rep who I had to explain numerous times how to calculate that the math is not adding up. She advised me that the payment was sent twice but only deducted from my escrow balance once. This is not true and you can clearly see that statement is not accurate on the document provided. After putting me on hold several times and an hour later, she advised me that my balance had been recalculated and that it is currently at positive XXXX which is an accurate calculation based on my math. However, my payments are still to be XXXX for next year... this would cause me to pay a large amount back into escrow causing for a large known overage to be reimbursed next year. This is not okay and since they have adjusted the escrow balance the payment should not still be reflecting the previously advised amount based on escrow shortage.
Product: Debt collection

Portfolio Recovery Associates, LLC called my spouses phone on XX/XX/2019 at XXXX am from phone number XXXX and discussed the details of my debt with him WITHOUT my consent. They disclosed the original creditor, total amount owed and their company information WITHOUT my consent!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reserved a golf set from XXXX. They sent me the wrong set twice ( XXXX clubs vs males ) and I had to know reruns them both twice. I printed the label and sent it to the ups drop off and a few months later they said I was delinquent when I have proof of requesting a return late and then dropping it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal request for a re-investigation of the accounts listed below. The previous items were claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. The payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the companys customer service representative XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX