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

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax dispute letter and in XX/XX/2021 with no action and proper investigation has taken place. I sent another affidavit with evidence showing the errors on my credit report and asking ask how if any there verification has been done, This letter was sent on XX/XX/XXXX XXXXand still no response.
Product: Checking or savings account

On XX/XX/XXXX I had a bank payment of $XXXX that I had thought I canceled the autopay on. Because I had not planned for this amount of money being drawn out it caused me to overdraft my account on XX/XX/XXXX when I made payments of $XXXX and $XXXX to XXXX. Additionally, I had an overdraft on the XX/XX/XXXX due to two payments that I thought were canceled of $XXXX and $XXXX. I was charged on XX/XX/XXXX for 2 overdraft fees on the same day my paycheck of $XXXX direct depositted. I called and explained to the bank that I am currently living paycheck to paycheck due to a XXXX that I had wiping out my finances and I asked that instead of being charged 3 overdraft fees at $XXXX each that I pay just one. They would not budge on any of the overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries on my credit report that I did not authorize from capital one auto finance XXXX, XXXX XXXX XXXX XXXX, capital one auto finance XXXX and XXXX XXXX XXXX. I did not authorize any of these and I would like them removed or deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've seen those inaccurate and unknown accounts on my credit report, so Ive sent documentation lastXX/XX/2021, it almost 30 days now but I haven't received any response yet. I demand to REMOVE ASAP those accounts or I will file litigation.
Product: Credit reporting or other personal consumer reports

I have an account that is not in FCRA COMPLIANCE. They are not reporting accurate information to the credit bureaus. I have disputed it and it has came back that it is following the fair credit act. But in fact XXXX is not reporting accurately at all XXXX has it as a closed account, XXXX as an open account and XXXX as a charge off. The current balances are different on all XXXX reports. XXXX has XXXX, XXXX has XXXX but XXXX has XXXX. The original balance is the exact same way. XXXX and XXXX have that I am 120 days late in the status but XXXX has collection/charge off. Not one of the date opened are the same date nor is the reported date. Charge offs should not have late payments attached to them because they are late by default. This is far from accurate information that this company has posted on my report. It violates the FCRA compliance to have 100 % accurate information and only XXXX reported to my report. This has affected me from getting loans, homes and I need it to be removed from my report. So they can stop violating my rights.
Product: Debt collection

On XX/XX/XXXX i turned in XXXX orders to the housing department at XXXX XXXX. I moved out XX/XX/XXXX. I am now being charged XXXX $ for rent and XXXX $ in cleaning fees. I told them to keep my deposit for cleaning fees. I called and spoke with IQ data international and they said i owe rent for XXXX because its 30 days from next rent day which is XX/XX/XXXX. Rent is due XX/XX/XXXX. That is 31 days. That was incorrect. I should have not been charged for XXXX and my deposit should have covered all cleaning fees. I was then told my deposit was given as a gift to the apartment company and it does not cover cleaning charges. The apartments only accepted money orders which i have proof taking it out XX/XX/XXXX. Please help me to take care of this for my credit. I feel like i have been wronged. I asked for proof from the apartments that i paid and they told me there under new management and have no proof of my orders and what i paid.
Product: Debt collection

Around XXXX XXXX, I was notified by my bank that my credit score was significantly and negatively impacted. Following up on the issues, it appeared that XXXX XXXX XXXX ( in XXXX, IN ) reported me for two unpaid bills for the total of {$250.00} to the credit bureau and the I.C. SYSTEM, INC collection agency for the bills that I had never received. In the following days after I received the notice of my credit loss, I contacted the XXXX XXXX XXXX to inquire about the unknown bills, despite multiple calls and requests to speak to someone in the finance office, they hung up the phone. In the meantime, I paid the unknown bill to I.C. SYSTEM, INC, while at the point I still did not have a bill or an itemized invoice. After spending over 40 hours between contacting my bank, the collection agency, the credit bureau, and the XXXX XXXX XXXX, I finally received a bill that indicted two days of visit in XXXX and XX/XX/XXXX. I tried to dispute the charges pertaining to the visit in XX/XX/XXXX, which was denied by the XXXX XXXX XXXX. The nature of my dispute was that due to extreme XXXX XXXX XXXX XXXX I made a visit to the XXXX XXXX XXXX, and that was my final visit which was towards the end of XX/XX/XXXX. On the day of the visit, I told my doctor and the nurse that I was suffering from a XXXX XXXX XXXX. The doctor used a swab to check if my throat had any infections. At the end of the visit, she mentioned that I did not have any infections but they would have to send the swab to the lab for further examination. Despite my XXXX XXXX XXXX the doctor sent me home while not prescribing any medication for me. After 10 days of suffering at home, while I kept calling the clinic back to get some medication for my temperature and sore throat, I finally received a call from the clinic indicating that my results came back positive, meaning that I had a XXXX XXXX, while the doctor missed it on the day of my visit and caused me XXXX XXXX Due to this clinic 's negligence in not providing me with the appropriate and timely care that I needed, my XXXX  XXXX continued until XX/XX/XXXX, while the XXXX XXXX XXXX XXXX XXXX, and I experienced XXXX XXXX XXXX  for an extended time which was examined and cared for at another medical clinic. I expect to be fully refunded for the amount I was charged by XXXX XXXX XXXXI.C. SYSTEM, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 


XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX. XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 {$650.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are not mines, both unknown and unauthorized. Please remove them immediately. 

1. XXXX XXXX ( XXXX ) 2. XXXX XXXX XXXX ( XXXX ) 3. XXXX XXXX XXXX  ( XXXX ) 4. XXXX XXXXXXXX XXXX ( XXXX ) 5. XXXX ( XXXX ) 6. XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX Charged Off a Credit Card Debt in XX/XX/XXXX. I have requested XXXX  XXXX to send me a 1099 C for the Charge Off Cancellation of or Forgiveness of Debt in Accordance with Internal Revenue Service Publication 4681 and the 1099C Form provisions for the cancellation of the Debt. I have sent correspondence on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As of this Filing I have not received any forms for the filing of personal taxes. 

XXXX XXXX has turned the account over to XXXX XXXX XXXX XXXX and debt collection company. XXXX XXXX XXXX  has sued me and has been granted a verdict. Unfortunately, XXXX XXXX XXXX  should know or should have known of XXXX XXXXXXXX fiduciary responsibility. 

Now XXXX XXXX XXXX is attempting to garnish my wages.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I contacted XXXX XXXX regarding a debt showing on my credit report with account Numbers : XXXX, XXXX, XXXX I was requesting validation on all charges of account to my name. The hospital sent me statements listing all services provided by them. First of I understand that statements are not validation of debt. I also know that by sending me statements with services provided to " me '' at the time of admission is a breach of security per Federal Statues. The furnishing of my alleged accounts information to Medical Data Systems INC is not in compliance with HIPAA or North Carolina which was at the time my state of residence. Privacy Act. and any subsequent reporting of this account on my credit report to XXXX, XXXX, or XXXX is a clear violation of Public Law 104-191 ( " HIPPA '' ).
Product: Mortgage

Ditech financialMy regular mortgage payment is about XXXX  monthly but I have making a conscious effort to about XXXX for the past year. A couple of months ago I receive a notice the my account was going into escrow which would increase my monthly payment from about XXXX monthly to nearly XXXX monthly, I don't need them to pay my taxes. I do that on my on.Plus my balance seem to constantly increase of stay the same as if my payments are not being applied to my account correctly.
Product: Money transfer, virtual currency, or money service

Coinbase emailed me claiming that a purchase I initiated on XX/XX/21 was not charged to my bank account. They then proceeded to charge me {$200.00}. I have proof that every purchase I made was charged to my bank account because the money was taken out of my bank by Coinbase. I paid the additional {$200.00} because they threatened to sell crypto to make up the debt I owed them. Below is the purchases I made with the total amount of XXXX ETC explained. 



* I converted {$170.00} from The Graph to XXXX on XX/XX/21 XXXXXXXX XXXX. 
( Totaling XXXX ETC ) * I converted {$100.00} from CVC to ETC on XX/XX/21 XXXX XXXX. 
( Totaling XXXX ETC ) * I bought {$200.00} of ETC XXXX on XX/XX/21 XXXX XXXX. 

* I bought {$700.00} of ETC XXXX on XX/XX/21 XXXX XXXX. 

Total= XXXX ETC Therefore I converted crypto I already had to ETC. XXXX ( Graph ) + XXXX ( CVC ) = XXXX ETC Then I made two purchases with my XXXX bank account of {$200.00} ( XXXX ) and {$700.00} ( XXXX ) = XXXX ETC Combining my total to XXXX ETC. 

Coinbase claims they did not receive payment for {$200.00} for a transaction that I was credited for ( false ). Clearly I only made two transactions during that time. One for {$200.00} and another for {$700.00}. I can prove both of those charges with my XXXX. Yet Coinbase is trying to charge me for a total of 3 transactions, claiming there are two charges for {$200.00} and I was not charged for one of them. This is false. 


I payed Coinbase out of fear they would sell my crypto after threatening to sell it over an email from their Coinbase support. I would like my {$200.00} to be refunded to me because I essentially was blackmailed to give {$200.00} or else the company would sell my crypto to cover there fraudulent charge.
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX was responsible for validating the records associated with this account but failed to do so. The requested information included : A copy of the agreement granting authority to collect on this alleged debt. 
A signed agreement where I explicitly agreed to pay the creditor. 
Details of any insurance claims filed by the creditor regarding this account. 
Documentation of any judgments obtained by the creditor related to this account. 
The name and address of the alleged creditor. 
The name associated with the alleged debtor. 
The alleged account number. 
The address on file for the alleged debtor. 
The total amount of the alleged debt. 
The date the alleged debt became payable. 
The date of the original charge-off or delinquency.

Verification that the debt was assigned or sold to the collector. 
A complete accounting of the alleged debt. 
Details of the commission the debt collector would earn if collection efforts succeeded. 
The method used to verify and validate this information. 
None of this information was provided, nor was an explanation given for the fraudulent account being listed on my Equifax report after subsequently being removed from XXXX XXXX for fraud. Under 611 ( 15 U.S.C. 1681i ), which governs the treatment of inaccurate or unverifiable information, it is evident that my credit and consumer rights have been violated due to XXXX XXXX  's failure and negligence. 
This account has been under review for over XXXX years without proper validation in any instance. As such, this account must be deleted, and any association between XXXX XXXX  and my personal information must be removed, as the information is inaccurate, invalid, and fraudulent.
Product: Payday loan, title loan, or personal loan

I purchased a vehicle back in XXXX with XXXX XXXX which is now Wells Fargo. I went to NJMV to get a copy of the TITLE and was told by NJMV I still have a Lien on the car from XXXX which was paid off in XXXX or XXXX. I called Wells Fargo and they say they can not find any info on the car or my name, SS #. or VIN # from the car. I have recently purchased a car and I am trying to trade this XXXX XXXX XXXX in but can not get the title because XXXX never released the LIEN. Wells Fargo is stating they need something from NJMV showing that there is still on Lien on the car but they do not give any copies out on their end. I was told the bank should have all that the info on which they do not show anything. I have been dealing with this issue since Monday and I am getting the run around from Wells Fargo. I have faxed over a letter and also a copy of the registration and still can not get any answers from them. 
The car is A XXXX XXXX XXXX VIN # XXXX My contact is XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I mailed XXXX XXXX XXXX / XXXX XXXX XXXX, and XXXX XXXX XXXX a debt re-payment contract agreeing to pay {$25.00} per month starting XX/XX/2019 until my debt is paid. XXXX XXXX agreed by cashing my post-dated check. XXXX XXXX is reporting that my account ( s )  are delinquent/charged off. XXXX XXXX cashed my post-dated check ( s ).
Product: Credit card or prepaid card

I got an " upgrade '' bonus point offer ( {$4000.00} ) from American Express last year with some spending requirements, which I took. What a mistake! American Express took the yearly membership fees from me on XX/XX/XXXX. And I spent to meeting the spending limit of the offer. In my recent XXXX statement, I got renewal yearly membership fees again. I do not want to pay the membership fees again for another year. So I called to cancel the card. The customer agent told me that if I just downgrade my card again, the points will remain. However, on XX/XX/XXXX, I got a notification from AMEX that all my XXXX XXXX upgrade bonus points were removed because I didn't maintain the card for a year ( which they claim would happen in XX/XX/XXXX ), even though my second year membership is charged on my account by prorate already. This is ridiculous. They cheated my points away on a technicality. Is it not the company 's responsibility not to charge the 2nd annual membership before a year is passed? And is it not the company 's agent responsibility to inform the customers that they will lose points from the account if it is a few days too early to downgrade the card? And why are they charging " yearly '' membership fee twice within a year? The practice is so shady and I can not believe it is from $ XXXX XXXX XXXX XXXX
Product: Debt collection

This is my second time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft from Equifaxs XXXX XXXX. MY CLAIM NUMBER IS XXXX XXXX There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. 

My request to DELETE PERMANENTLY THE FRAUDULENT ITEMS FROM MY CREDIT REPORT is not being made in error ; nor is it being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions. The identified transactions are not information related to any transaction by me as the consumer they are : THESE ADDRESSES. 
XXXX XXXX XXXX, XXXX, GA XXXX ACCOUNTS- XXXX, XXXX XXXX {$1400.00}, Opened XX/XX/2020, MAKE SURE THAT MY CREDIT REPORT IS NOT **FROZEN OR LOCKED- NOR HAVE A FRAUD ALERT ON XXXX BECAUSE I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. 
PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. 

*** I HAVE BEEN TRYING TO DELETE THESE ADDRESSES AND YOU ALL WONT LET ME DUE TO THEM BEING CONNECTED TO FRAUDULENT ACCOUNTS THAT WAS OPENED. *** A copy of my credit report and The ADDRESSES AND FRAUDULENT ITEMS ARE HIGHLIGHTED on a printed screenshot so theres no confusion about accounts nor companies that I am disputing. 

By law, Part of my Compensation approves, XXXX years of specially negotiated, three-bureau credit monitoring and identity protection XXXX XXXX XXXX and XXXX additional XXXX years of one-bureau credit monitoring and identity protection services through Equifax XXXX The XXXX monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( App. XXXX, XXXX ). The one-bureau credit monitoring shall be provided separately by Equifax and not paid for from the settlement A copy of section XXXX of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 

I appreciate your prompt attention to this matter, and await your reply.
Product: Credit card

My account was closed, due to suspicious activity when I called about this, I got transferred around XXXX times and nobody could answer the simple question, what suspicious activity happened to cause you to close the account? They say information is not available. Since my name address and Social Security number are tied to this card I wish to know the exact reason the account was closed. And terminated.
Product: Checking or savings account

I did not ask for a same day payment, and Ally Bank did not give me a notice that they were going to charge me a fee. I sent them proof showing the screen that I was given and the choice I made to make a next day payment. They did not read the proof and sent me a standard letter saying they had done this correctly, but they did not do it correctly. They have a glitch in their system, because it usually flags me when I am going to make a same day payment and it shows the fee. It did not do that this time. I was not informed of the fee until after I made the payment, and I tried to cancel but they would not allow me to cancel. I tried online and I also immediately called them. You can see by the attached screenshot that I selected the NEXT day, the XXXX, not the XXXX.
Product: Credit card or prepaid card

On XX/XX/19 I opened a corporate account with Bank of America. Attempted to set up to get eBills, not snail mail, statements & set up AutoPay as with all our other BofA credit card accounts. Although it gives the appearance that one can set it up - it was impossible. In the Help Center there is chat-but it never is available ; there is Secure Message, but you can't send any messages to BofA only receive them ; I called the phone numbers provided and onXX/XX/19 automated system put me on hold for over 3 hours ; on XX/XX/19-on hold for 2 hours17 min ; on XX/XX/19 on hold for 4 hours- with no one picking up ; on XX/XX/19-gave option of returning call " won't loose place in line will call you in 5-12 minutes - after 6 hours no one called ; on XXXX-will call you in12-18 minutes-after 4 hours no one called ; on XX/XX/19-6-14 minutes will call - after 5 hours no one called. Finally on XX/XX/19- got XXXX- transferred me 3 different times - 1hour 41 minutes later got another person WHO THEN SENT ME BACK TO THE FIRST DEPARTMENT WHO SAID I NEEDED TO SPEAK WITH THE DEPARTMENT THAT SENT BE BACK.

THIS IS UNACCEPTABLE. Later, I called again & after on hold for 38 minutes got XXXX  who told me I had to call another number thats not listed online or on statement. Called XXXX - spoke with XXXX, XXXX, XXXX, XXXX, XXXX, & finally XXXX. XXXX spoke with a supervisor who finally fixed a " glitch '' with setting up eBills that I was told needs to be set up before auto pay can be set up. That was on XXXX - She told me that it would take 48 hours and then I could set up auto pay. After 6 days, it still did not work. On XXXX, after waiting 30 minutes on hold, spoke with XXXX in Delaware who made notes and said he was transferring me to the department that is handling it. He then transferred me to XXXX  in the WRONG DEPARTMENT. Called back, spoke with XXXX who said would stay on line with me till the right department picked up, but she put me on hold and after 45 minutes she still did not come back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my consumer report and have found that the accounts listed in the attached document are extremely inaccurate. A consumer reporting agency must reinvestigate the disputed information " within a reasonable period of time '' and " promptly delete '' credit information that has been found to be inaccurate or unverifiable. XXXX XXXX. XXXX ( a ).