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

This is regarding the case XXXX with Experian and the case XXXX with XXXX XXXX. We have done some extra research and checked carefully and indeed there was an issue with XXXX XXXX, I never requested that but they put a dispute in my account. It seems that they do this kind of things to protect the customers from identity theft ( they could be other reasons too ), in doing so they put a credit freeze on the data of the affected clients, in other words they block the access to their credit files. 
I do not know why they decided to do that but it was negligent from them. The credit reporting was frozen and we did not know about that, when we realized that we called XXXX XXXX and requested the removal of that but they said that it would take weeks. In order to speed up the process we had to pay a fee of {$240.00} to the XXXX ( XXXX XXXX XXXX ) as you can see in the attached document. Anyway because of all the time wasted because of the negligence of XXXX XXXX, we could not get the credit reports on time and we lost the house and the time and money invested in the process. We paid a fee of {$370.00} for the required house inspection, money that we also lost. 
In the case of Experian, we were also calling them many times and talking with different people about our problem with the credit reporting, we were following their instructions, we gave them all the information requested and even we submitted all the requested documents in Black and White PDF files ( as requested ) through their official webpage but still we could not have the credit reporting. We are not sure but this problem with Experian could have been the effect of the dispute that XXXX XXXX put on my account. 
I am attaching here the copy of the email that my wife sent to me requesting the conversion of some documents to Black and White format and my reply with the documents. We already had the other documents in B & W format. I am also attaching a copy of the screenshot from the official Experian website after successfully submitting all the required documents.
Product: Checking or savings account

XX/XX/20 The checking account was opened via First Citizens website with a promotional offer of {$300.00}. Very easy terms and conditions to follow, simply use the debit card 10 times within 90 days OR Deposits of {$1000.00}. I have without a shadow of a doubt completed BOTH of the options even though I was presented with an OR option. This bank has not paid me the {$300.00} even though I used my debit card 23 times within 90 days and did my deposits even though they were not a requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Credit file confirmation number XXXX I discovered Acct # XXXX *XXXX  XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX  XXXX  Acct # XXXX XXXX XXXX Acct # _ XXXX XXXX XXXX XXXX had been re-inserted into my credit file. These accounts were previously deleted on XX/XX/2022 confirmation number XXXX. XXXX removed File confirmation number XXXX Per the FCRA Equifax is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. '' Please delete these items immediately.
Product: Money transfer, virtual currency, or money service

All my personal information regarding banking with several institution like USAA, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX has been stolen and reported to the local authorities. I am facing financial problems because I can not obtain any type of ridesharing or delivery work. I am a XXXX Veteran and on SSDI. My income is fixed and limited. I don't know where to start in order to reclaim my identity. Please assist. Thank you.
Product: Credit card or prepaid card

On XXXX XXXX I had my SSI check direct deposited into a cash app account {$780.00}. On the same day thirty minutes later there was a cash out on my account for XXXX. The screen says my SSI deposit was cashed out to Visa debit XXXX. Which it's not my account. I've been reaching out for help since XXXX. Everytime I would contact cash app and tell them my check was deposited into the wrong account. Cash support says the check is in Visa debit card XXXX. I don't own a Visa debit ending in XXXX. I really need my check back. So I need your help to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not log into Equifax to see my credit report. In order to log in they are asking me to verify information in the credit that is incorrect. Specifically they are asking about an auto loan that I do not have and never had. Similarly I can not place a credit freeze because they are asking for the same false information. This seems to be a catch 22 situation. I can't even see the false information because I can't verify this false information. The other agencies allow placing a credit freeze based only on personal information, but not Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX SS XXXX DOB XXXX The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available tome for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX UNKNOWN INQUIRIES : 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 addresses are notaccurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX This is my only number XXXX All other telephone numbers are notaccurate. Please REMOVE/DELETE any additional phones numbers.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

i have 5 inquiries on my credit report. I only recognize one of them and thats XXXX XXXX. as you can see from my credit report i have a XXXX XXXXXXXX credit card. please remove these other inquiries asap. please and thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a car accident back in XXXX, where I was represented by an attorney. My medical bills were handle between XXXX XXXX and XXXX and XXXX attorney office. During this time, I was not allowed to have conversation with my insurance company, as they informed me that they could not speak to me without my attorney. A settlement was reached by XX/XX/XXXX, where my attorney advised me that all medical bills and liens was settled and I should reach out to the firm if I ever received any contact about any bills. 

I was contacted in XXXX by XXXX XXXX who had provided me with a in home equipment that was requested from the company via my XXXX doctor for after treatment. The company sent me a bill of XXXX, XXXX, stating that I owed to them as my no fault insurance did not pay the bill. I notified my attorney office and my insurance regarding the matter and was informed that there should no bills sent to me for payment. I did not heard anything from the company for a period of time, until I received a notification from a collection agency who I also pointed towards my XXXX XXXX XXXXXXXX and my attorney 's office. I then was notified by my insurance office that my no fault money had ran out and there was money left to pay that bill. My attorney office also told the collection agency that the case was closed and they no longer represent me. 

I told the collection agency that I was not responsible for the bill, as I was not the XXXX communicating at the time regarding payments to the different providers. Moreover, I had only get to know about the equipment after it was sent to my house from the XXXX doctor. On the contract, it stated that I signed for the provider to speak to my attorney as well as the insurance. 

I currently receive notification form the collection agency that a judgement was filed against me in court for the unpaid balance. 

I am very stressed and confused about this matter. During the settlement, I was told by the attorney that all bills were covered. I have proof that that settlement said XXXX XXXX. I also do not know how I am been punish for this when I was represented by an attorney. I also do not understand why this company is holding me accountable for this bill when was not even the one contacted them for the equipment. Also, my accident was no fault and my medical bills was covered under no fault insurance. 

I am very scared that this collection agency could come after my paycheck or my bank account at this moment. Overall, i am very confused as to the matter and the fact that i was being represented by an attorney. Also, my accident was way back in XXXX of XXXX and after XXXX years of my accident, I am still targeted by this matter. 

I also have proof that the documentation that I was provided to sign had my insurance XXXX XXXX and My attorney information on it. I was informed that I was signing to confirm that I receive the equipment. The equipment was picked up on the schedule time by the company.
Product: Debt collection

I am writing to formally dispute the debt referenced in your recent communication, account number XXXX. I believe this debt is inaccurate and should not be collected for the following reasons : Violation of the Fair Debt Collection Practices Act ( FDCPA ) : On XX/XX/XXXX XXXX I received an email from TrueAccord, your debt collection agency, at XXXX XXXX on a Saturday night. According to the FDCPA, debt collectors are prohibited from contacting consumers at inconvenient times, which includes any time before XXXX XXXX or after XXXX XXXX local time. This contact was not only inconvenient but also a violation of my rights under the FDCPA. 
Identity Theft : I am a XXXX XXXX XXXX XXXX and the debt in question is not mine. Under the FDCPA, debt collectors are prohibited from attempting to collect debts that are inaccurate or not owed by the consumer. I have attached a copy of my identity theft report and any other relevant documentation to support my claim. 
I request that you cease all collection activities related to this debt and remove any negative information associated with this debt from my credit report. Additionally, please provide written confirmation that you have complied with this request. 
Thank you for your prompt attention to this matter. I look forward to your response within 30 days of receipt of this letter. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

This dept was paid, I have a paid receipt and I show my bank withdrawal for this amount. Rapid cash is claiming it's not paid.
Product: Debt collection

On XX/XX/XXXX I recieved phone call on my work phone XXXX XXXX XXXX from XXXX with vm to contact them. I sent them a cerified letter dated XX/XX/XXXX requesting that they do not call me at work and they recieved XX/XX/XXXX. I have all documents. I called them back at XXXX est XX/XX/XXXX and spoke with XXXX in regards to vm. She was trying to collect money on bill that I have been paying them regulary since XX/XX/XXXX. I asked why she was calling after they had wriiten notice and she stated it wasnt handled properly.
Product: Debt collection

Just saw on report a collection that should not be there. The amount of {$1400.00}? To a Medical Center was a fraudulent use of my card. This took place in XXXX. I live in XXXX NEVER was in XXXX.We canceled the card
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX  XXXX for a past due bill in the amount of {$400.00}. I paid them in 2015 IN FULL. This was not part of a bankruptcy and yet XXXX XXXX  is still reporting this as a charge off. I have spoken with XXXX XXXX several times and have faxed them copies of the front and back of the check to prove it was cashed by them and they have done nothing. 

I finally filed a dispute with experian, XXXX, and XXXX. XXXX and XXXX   removed it immediately, yet experian will only go off of what XXXX XXXX is telling them. 

I am so frustrated and don't know what to do. I have worked very hard to improve my credit and reputation and am getting no where with this one little charge of {$400.00}. I have a copy of the check. 

I would like the charge off to be removed and for this to be shown as paid. 

Thank you so much!
Product: Credit card

XXXX acct has XXXX insurance and they refuse to activate the insurance on the acct they prefer to go to a colledction agency which is fraud! GO AFTER THEM AND GET THEM TO ACTIVAE THE INSURANCE AS I AM XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The addresses that are being listed on Transunion report do not belong to me, I have never lived at any of the addresses listed on my credit reports.
Product: Mortgage

We applied for a manufactured home loan in XX/XX/2021 with Wells Fargo. And many things went really bad. But we had to pay up front for an appraisal. And when I expressed my concerns that he was an individual and not a company and he did not like manufactured homes, they were suppose to switch us and after months, it was well if you don't want to use him, this may take a lot longer, by this point it was almost XXXX. Well needless to say he was awful and arrogant and of course low balled our appraisal. And Wells Fargo not only was allowing him to use old comparisons, but did nothing to stand up for there potential customer as they promised! And then went on saying we needed a structural engineer report. Well I ended the loan process there. I wasn't giving them another dime of my money. And I filed a complaint to get my money back. I called the complaint department several times and never recieved a call back. But I was sent a copy of the appraisal and a old loan estimate, showing the engineer survey added. They just did all this to cover themselves and say well we told you! You don't do deceptive things, then tell a person you feel everything was legitimate, and are not refunding there money nor give them call back. This is just some of the bad I experienced with them. I have since been using another lender and have a new appraisal that is WAY higher!! This is discrimination of a manufactured homeowner!! If your going to say you'll do loans on them, then have appraisers that are supportive and know that my homes not a piece of junk!!
Product: Credit reporting or other personal consumer reports

This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference
Product: Credit card or prepaid card

In reference to my XXXX XXXX XXXX CREDIT CARD. On XX/XX/2018 I contacted XXXX Customer Service because I noticed that my payment in the amount of {$1600.00} was applied to my old account which was compromised ( fraudulent charges that I found and disputed and has since been settled ). This payment was intended to pay the credit charges I made on the new account. Upon speaking with customer service at both XXXX and XXXX XXXX, I came to find that one of the fraudulent charges was posted to my new account and subsequently removed. The remaining balance on the account was {$890.00}. I directed XXXX 's customer service to use the {$1600.00} payment to pay the card in full and send me a check for the balance of {$700.00}, which they did. 
In looking at my next statement I noticed a posting indicating a sale on XX/XX/2018 for {$700.00} - the exact amount of the check that was mailed to me. I wasnt able to dispute this sale and I called to clarify on XX/XX/2018. I added all of my receipts since the last statement and my account is over by the amount of the check that was mailed to me. In essence, XXXX mailed me the overpaid balance but then posted it to my account as a sale. I was not refunded the overpaid balance. They manipulated my account, made an error and then charged me the amount that was owed to me. I called on XX/XX/2018 and on XX/XX/2018 to make a formal complaint and dispute the {$700.00} and the supervisor I spoke with said that I could pay my account minus the {$700.00} as my statement was due. I called again on XX/XX/18 and this has still not been rectified. To date, after numerous attempts to have this matter resolved, XXXX XXXX XXXX refuses to acknowledge that my account is inflated by {$700.00}. They insist that the charge of XXXX to my card is simply the way they reflected the remittance.
Product: Payday loan, title loan, or personal loan

I applied for a personal loan of {$10000.00} a couple days ago to pay off some debts and I went on XXXX XXXX XXXX XXXX said that I should contact OneMain Financial so I contacted them I applied for a {$10000.00} loan they returned with {$2800.00} unsecured or XXXX dollars secured which would be my vehicle I told him I Vehicles not paid off so they said XXXX so I get an email from the company and tells me what time I'm supposed to be there at XXXX today on the XXXX so I go down there after I get out done with work I pull in I go inside they take all my documents my ID my work ID a check stub my pay stubs all utility paperwork and stuff the guy that's supposed to talk to me never comes out I talked to two or three two different women and one guy I have no idea who they are they didn't even introduce themselves and then they come back a few minutes later and tell me they can't help me why did they make me turn circles go all over the place just to get over there so they could deny me if I were you anybody that's the even thinking about going to OneMain Financial think twice go somewhere else they are the worst they are so rude they kept all my documents I told them you better make sure you shred them then and I left the windows weren't even clean that's how bad this place is disgusting
Product: Debt collection

For the past week ( XXXX ) I kept getting daily repeated calls from a number that came up on my phone as " Scam Likely '' ( XXXX ). I listened to the voicemails that said in an automated voice " XXXX we have made several attempts to reach you via phone and at the address on the record we've been unsuccessful, due to no response the documents are deemed undeliverable one final attempt will be made at your place of employment ''. On XX/XX/XXXX I called and spoke to XXXX with XXXX XXXX XXXX XXXX at ext XXXX. She stated that this was a debt that I had with Old Navy and it wasn't filed on my chapter XXXX bankruptcy in XX/XX/XXXX. I informed her that I did my bankruptcy myself and I know for a fact that Old Navy was on there. She over-talked me the entire time and wouldn't let me explain that I know Old Navy was on my bankruptcy. She then informed me that the company GE Capital is what should actually be on my bankruptcy and I informed her that it was. She continued to tell me it wasn't and that they would be filing legal action against me and disconnected the call without the proper goodbye. I called back right after that call on XX/XX/XXXX and spoke with a different XXXX and she said and did the same thing. I then called back and spoke with a XXXX/XXXX and he was EXTREMELY rude and told me that they filed legal action against me and whatever paperwork I had would need to be taken to the court whenever the court date would be. I asked him for an email address or address to send my proof in and he wouldn't give it to me. I tried to call back 3 more times with no answer or voicemail. I can not find XXXX XXXX XXXX XXXX   online as a debt collector and that makes me think this is not a real company. I XXXX  GE Capital and they are no longer handling these accounts ; it is now Synchrony financial. My Old Navy account was from before XX/XX/XXXX and it was also filed on my chapter XXXX bankruptcy.
Product: Credit card

XX/XX/XXXX I received an email from Capitalone stating I am over {$430.00} over my credit limit, but my account has a negative balance of {$1300.00} for overpayment, yet they have my {$900.00} available credit unavailable plus saying I owe the XXXX over {$400.00}. But I paid that account to the point that I have a credit. If my account is showing a credit then how can I owe a balance as well. They cant explain that and this is not the first time this has taken place and usually I just paid.they keep performing fraud and charging me again for things Ive already paid. Even if I have a dispute, I still pay that amount. They need to be investigated for scams and fraud.
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. 

List of Unauthorized Inquiries : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.