23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE NOT MY ACCOUNT I HAVE NO KNOWLEDGE OF THESE ACCOUNT NOR DID I AUTHORIZE ANYONE TO OPEN THESE ACCOUNT IN MY NAME. THESE CREDITORS ARE VIOLATED SO MANY OF MY RIGHTS AND I WILL LIKE THESES ITEMS REMOVED OR I WILL HAVE TO SUE THESE COMPANIES FOR EXPOSING MY PERSONAL INFORMATION. I NEVER SIGNED ANY CONTRACT WITH THIS COMPANY. PLEASE PROVIDE ME WITH A CONTRACT WITH MY WET SIGNATURE. 

In accordance with the Fair Credit Reporting dct.

The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX has violated my rights. 

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 an accordance with the written my instructions
Product: Checking or savings account

On XX/XX/2018 I opened a checking account at Huntington bank online, going through their promotional link XXXX XXXX   XXXX ( not available anymore ). The rules of the promotion were as follows : Receive a bonus of {$300.00} when you open a new Huntington 5 checking account and make deposits of at least {$2000.00} into your checking account within 60 days of account opening. I satisfied the requirements but didn't receive the bonus after 90 days as they promised. 

Upon contacting the bank, I was told that my account doesn't have any promotion attached. They refuse to pay out the bonus. Even after referring to above link, they wouldn't help.
Product: Mortgage

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I would like to settle my account in exchange for the original instrument of indebtedness in its original form and the journal and ledger entries that shows the debit and credit entries of who funded the account according to IRS publication 583 See attached
Product: Credit card or prepaid card

I own a VISA gift card purchased at giftcards.com. A fraudster stole my account # and used it to charge {$350.00} worth of XXXX gift cards for himself at XXXX. I wrote and called both giftcards.com and XXXX trying to resolve this and neither will refund my money. XXXX simply does not respond at all to anything since corona, and giftcards will not allow me to file a dispute because it took me 75 days to notice the fraud and they have a strict 60 day policy, despite the fact that giftcards generate no monthly statements so i could not have been aware of the fraud until i next tried to use the card, which took 75 days to happen. i have copies of the letters i sent to both XXXX and giftcards, as well as the email reply from giftcards.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I had {$0.00} transferred out of my Discover high-yield savings account. The transaction was titled " ACH Withdrawal XXXX XXXX XXXX ''. The following day on XX/XX/23, {$9900.00} was transferred out ; transaction tiled " XXXX XXXX XXXX XXXX XXXX XXXX ''. I authorized neither of these withdrawals ; they were not made by me and the money was not deposited into either of my XXXX XXXX accounts. I contacted Discover to report the fraudulent charge. They closed the compromised account ( Acct # XXXX ) and opened a new high-yield savings account for me. They transferred the remaining funds and the {$9900.00} into this new account ( Acct # XXXX ) ; the date of this was XX/XX/23. I returned a written statement back to Discover and was told this was taken care of and no further action was needed on my part. 
On XX/XX/23 Discover took back {$9900.00} from the new account - the transaction was titled " Reverse Disputed Item ''. They are claiming that they did not have enough information to prove that the initial transaction was fraudulent and closed the case ( Discover Case # XXXX ). I was told that in order to re-open the case I'd have to submit supporting documentation and file a police report. I was never notified via email or phone of ANY of these instances. They did not inform me of the initial fraudulent account withdrawal or of them withdrawing the funds they had given back to me. I'm trying to file a police report, but I was told I need full documentation of Discover 's investigation into this case. Discover is not releasing those documents to me I've attached statements from my XXXX bank accounts to prove the money was never transferred to me. I included statements from the initial Discover account and the new account showing the money being taken back
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this issue 3 times with XXXX  and Transunion. XXXX  has my information correct. Except the XXXX account which I am currently disputing with them. For some reason XXXX  and Transunion websites will not accept my documents and they are only taking into account what XXXX and XXXX are saying about my accounts. I have tried to submit documentation to Transunion and XXXX  several times and they either disregard my documentation or their website will not accept the documents. The XXXX and 3 XXXX accounts are being reported incorrectly on my credit report. XXXX  and Transunion are reporting an initial delinquency date of XXXX for these accounts however, this is incorrect. The initial delinquency date is XXXX. I have submitted payments history and even my XXXX  credit report proving that these accounts initially went delinquent in XXXX. These accounts are over 7 years old and need to be removed from my credit. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

i have unauthorized inquiries on my credit report i have reached out regarding inquiry and i either get no response or unable to locate file but no one has taken the initiative to remove they unauthorized inquiring.
Product: Debt collection

I was served today XX/XX/XXXX by papers that state I was being served XX/XX/XXXX. I was surprised to receive papers stating this company was suing me since they failed to respond to my request for the forward flow agreement, proof of surety bond and my request for proof of a valid contract with this company.
Product: Debt collection

Back in XX/XX/XXXX, I was in court to try to settle a debt. We agreed for me to pay {$100.00} per month every XXXX of the month. 

The attorney told me to go online and make a payment, and thats what I did. I was always making my payments on a timely manner. 

In order to make a payment online, you need a CONTROL #. So every time I made payments I typed in my Control #. 

Last month (XX/XX/XXXX ), it tried to make a payment for {$100.00} via online and I was unable to do it because according to the website, it was BLOCKED. So I called the number and I tried to let them know about my control number being blocked. 
They told me they dont know the reason and it must have been a temporary thing. So I made my payment through the phone. 

Today, XX/XX/XXXX, Saturday, I tried to make my payment. And unfortunately my control # is still BLOCKED. I tried to call the number but the their office was closed and I tried to call every bodys extension and left voicemails because I really need to make that payment today. 

You were told to make a payment online and when you do, they try to BLOCK the control number that way you miss your payment and force you to break the agreement you made in court..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XXXX XXXX XXXX Filed with the credit bureau that I was late on a payment in XXXX of 2020. I had realized the issue only when applying for a disaster loan that affected my business. Because of this negative remark, I was unable to qualify due to Derogatory Marks concerning my auto loan. I investigated and showed XXXX via email that they were at fault as they switched my statements to electronic statements without notification. In addition, I was hospitalized during this period and without a statement, my caregiver ( XXXX  XXXX ) was unable to pay said bill. Also, concerning this payment, I called to rush payment after two days late as i checked payment status as it is also on automatic billing and the automated system said no balance due. The next month it had stated an amount in excessive of double my payment, which I paid in full. I have called numerous times including their submission form in concerns to this issue and they have promised calls back with customer service stating that it is notated on the account that someone will follow up. Not one call has been received and I have been fighting this issue for 3 months. They falsely reported this multiple times and their choice to not change or communicate said requests is fraud as they never notified me concerning the statement delivery switch. 
Issue number two is they continue to bill me even though they received a settlement on the vehicle and I have gap insurance through XXXX XXXX. Customer Service threatened me if I do not pay they will hold me to it on my credit. The documents are attached proving payment from my auto insurance company. A lawsuit is in the process for this institution as they also violated ADA, Americans with XXXX act, violating reasonable accommodations for those whom are XXXX  XXXX. 
These false reporting are causing the denial of an EIDL, Emergency Disaster Loan, of over XXXX  XXXX dollars between my XXXX XXXX. Damages more than this will be applied as well as they refuse to remove said debt from my account. This is fraudulent activity and any company supporting these actions are being listed in the pending lawsuit. 
The insurance company also delayed payment by 5 months ignoring my requests as well as this will be pursued in a different matter. 
Also, I logged into my portal to view status of my refund and they actualy ar requesting an additional payment for XXXX with no desription of the reasoning. Image Provided.
Product: Debt collection

On XX/XX/XXXX, I sent a certified letter requesting validation of the debt. I did not receive any correspondence from this company. Also, I sent a follow up letter on XX/XX/XXXX and I did receive a letter from them however it did not provide validation of the debt as requested nor within a reasonable time frame. Now I have been receiving letters in the mail requesting that I settle the debt however they have not provided me with validation of the debt they claim I owe.
Product: Mortgage

I have had an issue that has been ongoing since my loan has been transferred from XXXX back in XXXX to Specialized Loan Servicing. I have spoken to approximately 14 to 16 different people regarding this situation and have provided the necessary documents to SLS to research the missing payments. I have yet to hear of a resolution and I have not been contacted by anyone to this date. I spoke to my previous mortgage company, XXXX and they informed me that two payments were forwarded to SLS after the transfer of the loan in XXXX. One payment was forwarded on XX/XX/19 totaling XXXX and another payment was forwarded on XX/XX/19 totaling XXXX. Those payments were the XXXX and XXXX payments. I am extremely disappointed with how this has been handled. I have been contacting SLS since XX/XX/2019 and have not yet reached a resolution. I provided proofs of payment notarized from my bank on XX/XX/2019 as instructed. These documents were received and I called to verify via telephone on XX/XX/XXXX. I spoke with XXXX at SLS in missing payments and was told the issue would be researched and resolved by XX/XX/2019. I  spoke to XXXX on XX/XX/XXXX who promised me the issue would be researched and a follow up phone call would provide resolution. I spoke to supervisor XXXX on XXXX who promised a phone call back within a 2 hour time frame with a resolution. I called on XX/XX/XXXX and spoke with XXXX who promised a supervisor would return my call. I then spoke to XXXX in the XXXX, AZ office who informed me that her supervisor XXXX would return my call within 2 business days. I called on XX/XX/XXXX to try and reach XXXX but I was told he was unavailable. It is now end of business on XX/XX/XXXX and to this date I have Never once received a call back and there is still no resolution. After all these contacts I am in shock that I have not gotten a courtesy call from a supervisor that I requested multiple times. 



Thank you, XXXX XXXX XXXX Sent from my XXXX
Product: Credit reporting or other personal consumer reports

the information on my credit report is not mine its fraud please help with this its not me XXXX XXXX
Product: Credit card

This is the second complaint I have filed against Citibank ( Citi ) for the exact same problem.Citi previously reported my address incorrectly to the credit reporting agency XXXX.My address for the last XXXX  years has been XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX erroneously XXXX it as XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX do not and have never lived at that address.This error occurred because the Citi app on my mobile phone and XXXX can not accommodate my complete address on my Citi profile, my address is apparently one digit too long ; therefore, it automatically defaults to a similar address, in this case the incorrect XXXX XXXX address.This problem was supposedly fixed by Citi after I had several conversations with Citi employees in their IT group, who were surprised that the problem existed.The problem was NOT fixed.Once again, they reported the incorrect address to XXXX.I learned that Citi is again reporting the wrong address to XXXX in the same manner as the previous time, through another credit card issuer that sent me an email asking me if I moved. 
I want Citi to permanently fix this problem. I contacted them on XX/XX/2024 and was assigned Citi reference number XXXX  XXXX XXXX XXXX XXXX and told someone would call me. They have not called and my call to them went into voicemail.Please help me to stop Citi from continuing to provide bad information to credit reporting agencies.I do not know whether they also provided bad information to XXXX XXXX and XXXX.They need to contact those agencies as well if they did.
Product: Debt collection

A " Pre-Legal Notification '' was received from company concerning a debt allegedly owed by claimant. On XXXX/XXXX/2015 claimant sent a certified w/ return receipt letter to the company at the address on their notice requesting verification of the debt. The return receipt was stamped ( not signed ) by " XXXX XXXX '' and returned. The original certified mail and return receipts are in claimant 's possession and can be presented upon request. 

On XXXX/XXXX/2015 claimant received another " Pre-Legal Notification '' from the same company, from a different address in the same city, with no verification of the debt claimed. Company therefore failed to suspend collection activities in order to verify the debt in violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collections are on my credit report, and I never had a contract with the company, I NEVER authorized this company to have my personal information.
Product: Credit reporting or other personal consumer reports

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.

Please assist me with removing this fraudulent account from my credit report. I have this account on my credit report that was not authorized by me. 

Company : XXXX Date Opened : XX/XX/2023 Amount : {$6000.00}
Product: Credit card or prepaid card

Hello, my name is XXXX XXXX XXXX I have recently checked my credit reports and found that XXXX XXXX/Self Lender is reporting 2 accounts ( XXXX & XXXX ) to all 3 Credit Reporting Agencies ( XXXX XXXX XXXX, XXXX ) in my name.

This is not an acknowledgement of debt.

According to the Fair Credit Reporting Act, only correct and accurate information may be reported on my credit report. After reviewing my credit reports, I am finding many incorrect items being reported, including but not limited to the following discrepancies : 1. The date opened reported by the CRAs are incorrect. They are also reporting different dates to different credit reporting agencies.

2. The payment history is incomplete, inaccurate, and reporting different information to each of the three reporting agencies. 
XXXX. The Dates of last payment are inaccurate as they are reporting different dates to different credit reporting agencies. 

As these and other things are being reported incorrectly on the report, I request that you immediately cease reporting of these accounts until the completion of a thorough and complete investigation and validation of this information. 
If you are unable to furnish all correct dates and information, I respectfully request that you cease reporting and Delete these two accounts from my credit reports with all XXXX credit reporting agencies ( XXXX, XXXX, and XXXX ). 
Thank you for your time, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax is reporting non mailable addresses on my report. 
my current address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please remove all personal information and i am opting out of equifax sharing my non public information ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies equifax do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked.
Product: Credit card or prepaid card

I bought a {$400.00} Visa gift card at XXXX XXXX, to buy a plane ticket on XXXX XXXX. I went to the XXXX website and booked the ticket, paid with the card and all seemed fine until I went back to XXXX   website the next day and the reservation said " ticket pending ''. So I called XXXX  and they said the card was declined. So I went to the Visa card site ( I bought it at XXXX for {$5.00} ) and realized i had to register the card so i did. I called XXXX  back and gave them the Visa number, expiration date and 3 digit code, to buy the ticket. Went back to website the next day, still said Pending, meaning the card was declined. So I called the XXXX/XXXX   number on the activation ticket, and after being on hold for ONE HOUR!!!!! I was told I had to call Visa directly. I did, and was told that " to buy a plane ticket I need to have the purchase price plus 15 % on the card '' ( the ticket was {$370.00} and the card has {$400.00} ). When I asked what for, I was told " incidentals ''. It's a plane ticket folks, there are no incidentals! I asked where this was stated and they said in the cardholder agreement on their website. I printed out this agreement and NOWHERE DOES IT MENTION PLANE TICKETS OR 15 % above the price! I asked the " customer service rep '' where this was stated and he couldn't tell me ( and this was the " supervisor '' that I asked to speak with after the first person i talked to had told me that. ) I have bought many plane tickets, and never have I heard of this. Surely this must not be legal, what authorized Visa to take/put on hold more than the purchase price of a plane ticket? 

XXXX XXXX has repeatedly told me that they do NOT place a hold on any amount over the ticket price, so I am concluding that either XXXX  is lying or that VISA is requiring the extra hold, which is nowhere in the Cardholder agreement. I have spoken with my lawyer, and this is considered at the least Breach of Contract and perhaps also Fraud. 

And what make this all the more suspicious is that no one will put anything in writing, neither XXXX XXXX attesting to the fact that they dont require a hold or the Visa people stating why my card was declined or where in the agreement it states that they can hold 15 % over the purchase price on the card. 

I need some help in either buying this airline ticket using the card or getting my {$400.00} plus the {$5.00} purchase price refunded to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX XXXX are double reporting on accounts # XXXX for XXXX XXXX and # XXXX for XXXX XXXX. These are the exact same account just with different numbers. They are double reporting and it should be removed.
Product: Checking or savings account

My account was closed based on fraudulent activity I didnt know that I was been scammed threw XXXX the amount was in minimum dollars and not in higher dollar amounts I didnt do that purposely to my account to closed how would I know that I was been scammed by scammer. 
I try to talk to Huntington Beach manager and explain the situation but they denied to listen and refused listen to me solve the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute with XXXX in XXXX and I haven't received anything from them. They sent me a letter saying they couldn't verify my Identity even though I sent in documentation verifying my ID and my ssn but I was referred to their website to create a paid account to verify my Identity. They refuse to acknowledge my disputes over phone unless I pay for one their products
Product: Mortgage

I requested from my lender NationStar XXXX MR COOPER XXXX report my mortgage to 3 major credit bureaus and to show my good payment history for XXXX  years paying my monthly mortgage payment on time so my credit score will go up.
Product: Credit card

Dear Wells Fargo Team, I appreciate your response to my concerns ( Case Number : XXXX ), but I must express my ongoing dissatisfaction with the lack of resolution. Despite multiple attempts to add my XXXX XXXX account to my Wells Fargo online profile, the issue persists. Your suggestion to contact the Online Banking Department has proven unhelpful, leading to continued frustration and confusion. 

I have escalated this matter to the Consumer Financial Protection Bureau ( XXXX XXXX : XXXX ) due to the unresolved nature of the problem. I urge you to reevaluate the situation comprehensively, as it directly impacts my ability to manage my accounts effectively. The closure of the case without a satisfactory resolution is disappointing and does not reflect a genuine effort to address my concerns. 

I expect a more thorough investigation and a resolution to this issue. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a 30 day late that occurred on my account in XXXX of XXXX  during the stay at home orders due to the pandemic. My XXXX was not able to survive and we had to shut down. My letter explained they violated the public Law No.116-136 ( XX/XX/2020 ) Coronavirus Aid Relief, and Economic Security Act or The Cares Act - Section 4021. I had called them regarding my business closing for good, and that I was having a hard time making the payment. I made the account current that very next month and still is current. They responded to my letter stating their reporting is accurate. Yes as it may be that a payment was late, but in accordance with the Law stated above they are in violation for reporting the 30 day late. I ask that it gets removed, per Federal Law.