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

These accounts were not opened by me at all. 

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

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX  and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 9 16 and pages 19 - 22 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5.  Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I sent a dispute letter along with a Consumer Disclosure Report from XXXX XXXX dated XX/XX/2023. The report from XXXX XXXX does not show a bankruptcy ever filed by myself. I was told by a gentleman by the name of XXXX that XXXX XXXX is the company who reported the bankruptcy. If that is the case then TransUnion is reporting false information on my credit file. I will attached the report from XXXX XXXX to prove my claims. If the incorrect bankruptcy is not removed immediately, I will pursue legal proceedings. 
TU File # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX  XXXX .... Balance : {$310.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$470.00} ; XXXX  XXXX XXXX XXXX Balance : {$61.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX CT XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of request XX/XX/XXXX ; XXXX  Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX ; XXXX  Requested On XX/XX/XXXX ; XXXX Requested On XX/XX/XXXX ; XXXX XXXX XXXX  Requested XXXX XX/XX/XXXX
Product: Debt collection

Was notified by a collection agency that they were attempting to collect on an online loan made by someone using my name and social security number. The said loan was made in 2014 but the company is just now attempting to collect. Collection agency has not been forthcoming about any information and will not verify any details about the fraudulent loan ; all they want is money.
Product: Mortgage

Wells Fargo sold my mortgage to XXXX XXXX XXXX ( XXXX ). Wells Fargo has a functional website and easily available customer service. XXXX is difficult to get in touch with and get help from. Every interaction I have with XXXX makes me angry. It 's bait and switch to get financing from a company with a good reputation and then get handed over to a horrible company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

information taken without knowledge or authorization.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of utmost concern regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that TRANSUNION conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.
Product: Vehicle loan or lease

I have a loan on my car that was started XX/XX/XXXX it was for a 7 year loan which would have been up on XX/XX/XXXX however i am now 8 years into the loan and they are stating i owe XXXX all of this is interest i am very frustrated because i have already paid the 74 payments that is a 72 payment loan and i really do not feel this is correct or fair when i call for them to explain why i still no one can all they state is this is a daily interest bearing loan which i find interesting so they will keep charging me and as of XXXX i will owe another XXXX i have read reviews and others are having the same issue i am. My loan was not originally with First investors they bough out my loan from another lender and ever since they have my balance doesn't move. I really don't feel i owe the remain amount as i have paid XXXX on a 17 % interest loan amount paid for car was XXXX
Product: Mortgage

I am filing a complaint because my Mortgage Insurance Company raised our Insurance {$140.00}, after we filed a claim for Hail Damage on our Home. The Increase took place immediately after our home was damaged because of a Hail Storm hit our Property. We do n't feel like its fair to raise our Mortgage Payment {$140.00} after the storm hit our House. Our Payment increased from {$1300.00} to {$1500.00} from XXXX 2016 to XXXX 2016.
Product: Debt collection

When I looked at my credit report, there was a collection account that comes from Southwest Credit Systems. It showed that I owed a total amount of XXXX debits. But actually, this is not mine. When I contact XXXX to dispute it, they said this debt is under someone else 's name. I believe this is a fraud. Also, there is a closed XXXX  XXXX XXXX account that belongs to this guy showed in my report. It's also a fraud.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account #, XXXX, XXXXXXXX XXXX XXXX XXXX  Account #, XXXX, {$270.00} XXXX XXXX, Account #, XXXX, {$1200.00} XXXX XXXX, Account #, XXXX, XXXX
Product: Debt collection

The Debt was with the Bank about 15 years ago for Business credit card where i lost business and everything after XXXX XX/XX/2011 with bad economy. i have made payments foe few years when i got dry out so couldn't make payments Bank write off the loan as a loss without filling 1099 A or 1099 C with IRS. write off/paid was internal and forgiven.15 years later XXXX XXXX XXXX XXXX make a move with XXXX XXXX XXXX XXXX XXXX , XXXX a judgment against me for {>= $1,000,000}. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX. don't have any written or verbal contract with me for that Debt, nor both above parties have any written contract with the Bank to collect any Alleged Debt. The both above parties have been harassing me for more then year they are in serious violations of FDCPA. Alleged violation have violate my Civil rights and Common Law rights. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX. should be punish by you Department and Black list for ever atleast in your Department.
Product: Credit reporting or other personal consumer reports

XXXX and other creditor granting companies have told me there is " significance delinquency '' and " negative information '' on my credit report. However, when I go online to check my reports I do not see negative information. My Equifax credit summary says there is " 1 negative '' item in my history, but when I look for that item I am unable to locate it. I requested details about this negative item from Equifax at least three months ago but I have not received any information about it.
Product: Bank account or service

As a former employee of Citizens Bank for nine years, I am well aware of overdraft issues that consumers have as well as the lawsuits taken against the bank. I am in the midst of closing all XXXX of my accounts with the bank due to the amount of asinine fees charged. I removed all of my funds from my circle gold checking account and transferred to another bank institution. I left a remainder of a few dollars in the account until closure to avoid any overdraft fees. A check was just cashed ( three weeks later ) from my son 's doctors office which in turn made the account negative {$25.00} dollars, our fault. The same day I was charged the {$35.00} overdraft fee so immediately ( same day ) I went to the bank and deposited {$60.00} in the account to cover the issue. Today I checked again to ensure that everything cleared and I noticed three additional charges which include a {$20.00} service charge, a {$30.00} service charge and yet another {$35.00} overdraft fee which now makes my account negative {$85.00} dollars. I should not have been charged yet another {$35.00} overdraft because they continue to take out " service fees ''. My husband called to complain and close the account immediately and they stated that it could not be closed until the account is positive and additional overdraft fees will continue each day that it is negative. The employee was also not able to explain what the {$30.00} service fee was for and insisted that it was an additional overdraft fee, which it was not. I made the account positive yesterday, additional fees should never have been posted in such a manner. I have XXXX young boys that I need to feed and the bank is taking the money I need for them to pay fees that should not have occurred in the first place. I think it is absolutely unacceptable to charge fees in this manner.
Product: Debt collection

on XX/XX/XXXX I received a message at my job about something regarding a county petition and to call " XXXX XXXX ''. I called to realize this was not the county calling me but someone from Oracle Financial Group saying I owed a debt I did not realize I had. This was the first communication about this matter. I have never received any written notice about this debt. I began to write down the who, what, when, and why so I could make sense of what I was being told. I asked " XXXX XXXX '' for her first name and was immediately placed on hold. After coming back from hold " XXXX XXXX '' came on to the call and the first thing I was asked was if I was recording the call. I said no, and " XXXX XXXX '' proceeded to tell me she was attempting to collect a debt and if I did n't set up payments through her department which she said was the litigation department that she would submit a petition through the county I live in and that I would be served at home or my place of business. I calmly and respectfully informed her I am not trying to negate my debt or anything she was saying but that I had to contact the lender ( XXXX XXXX XXXX ) and verify everything she was saying before I agreed to any payments and that I hoped she understood. She hung up on me. I contacted XXXX XXXX XXXX which informed me my debt was half what ORACLE FINANCIAL GROUP stated it was and that my case had been sold to " XXXX XXXX XXXX '' and to call. I called given the number provided and I was sent through an automated loop which informed my they are a " XXXX XXXX XXXX '' and that my account was most likley sold to ANOTHER debt management company for collection which they do not do, going through to eventually a call dying. I tried again and same thing. Obviously there isnt a customer service person. I found them online and it said for fastest contact fill out a form for contact 24/7, with a sentence literally following it saying response within 3 business days. I finally found an online form to find my account was indeed forwarded to " XXXX XXXX ''. who I can call however get hung up on, no answer, no way to contact them other than filling out a form and waiting for a response. All while ORACLE FINANCIAL GROUP is likely filling a petition for this debt which I can not confirm they own because they refuse to provide any documentation unless I pay. I pay or get served.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been saving up to buy a new home. I've noticed some errors on my report that is hurting my credit score can you please remove.
Product: Debt collection

I have a credit card debt with XXXX XXXX  and was referred to Client Service Inc. After several phone calls, I was able to finally talk to an agent who did verify that this debt was referred to them. However, this particular individual was very aggressive in working a payment plan and demanded immediately my bank account information. I was told to do that in order to avoid further action, although that was never specified. XXXX XXXX  never notified me that they were sending my account to a third party. There is very little information regarding this matter from either agency except to what was said to me over the phone. I have no access to any information regarding my account from XXXX and CSI.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX Credit Card with account # XXXX opened XX/XX/2019 and a balance of {$0.00}. 

This is not my personal account so therefor please remove the account from my credit report asap.
Product: Checking or savings account

On XX/XX/2020 I contacted my bank, Bank of America to recoup a scam from a wire transfer. They stated they couldnt help me but would file a complaint. I have not had my funds recouped.
Product: Credit card

Never received the card nor any statements in the mail regarding this account. 

I first called on XX/XX/XXXX at XXXX, and the agent that answered stated that he was unable to locate my account using my address, telephone number and last XXXX of XXXX. He asked for the account number, which i hadn't yet received and as such was unknown by me. 

On XX/XX/XXXX at XXXX, i called once more, increasing concerned by the lack of receiving any correspondence regarding the account via postal mail, as was given the same answer. Frustrated, i attempted to go to my local XXXX XXXX store. I arrived after business hours. 

On XX/XX/XXXX at XXXX, i called and was immediately transferred to their collections department, who offered nothing more than to take a payment over the phone. I explained that due to my previously being the victim of identity theft and fraud, i needed a paper hardcopy record of my account information and any payments i make, and that some random man taking a payment over the phone was not something that i was comfortable with. He transferred me to his supervisor, and i even proceeded to offer to make a lump sum payment via check and close the account, and i reiterated that i needed a paper record of the payment and the relevant account information. 

The female supervisor rushed to place the blame on the XXXX and say it's not their problem that i haven't received any of the relevant statements or documents. I asked if they can send them via a XXXX  envelope or similar, and offered to pay the associated costs, she refused. She stated that the only alternative to XXXX is for me to sign up for an account and enroll is paperless, which requires the account number to sign up. I asked if she could give me the account number, and she blatantly refused stating " we can't provide that to you over the phone ''. Prior to ending the call, she went out of her way to state " i will note your account as refusal to pay '', which is evidently and factually false. 

**Just as Comenity Bank XXXX all of my calls are recorded and encrypted. I am happy to provide the recordings and records, but your system will not allow me to attach ogg audio format files. Please advise of an alternate, if available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent over 3 letters to Experian showing them proof that the information they have on file is incorrect and they have refuse to fix the issue. I have show them I was issue XXXX by the following company back in XXXX which my balance should be {$0.00} and the charge off date they have on file shows XXXX which is incorrect. They are refusing to remove it there inaccurate information and stated they have verify with the company which is wrong if they did they would see a XXXX was issue.
Product: Debt collection

There are several numbers the debt collector calls from. I have talked to them repeatedly and have asked for more time to pay the debt and I have told them I will pay them. My problem is they call me every XXXX minutes all day. The numbers are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and that is all from today. That is six times already and they called 11 times yesterday. I asked that they stop calling so much, to call once a week. They are going to get me fired and then I will never be able to pay.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Customer Service Center XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Phone : ( XXXX ) XXXX Email : XXXX Subject : Urgent Resolution Request SBA Loan No. XXXX Dear Customer Service Representative, I am writing to formally request an investigation and resolution regarding the funds associated with my SBA loan ( Loan No. XXXX ). The loan funds were returned by my bank, Citi Bank, and despite extensive efforts, I have been unable to determine their current status or final disposition. 

Background of the Issue On XX/XX/XXXX, Citi Bank unexpectedly placed a hold on my business account after I visited a branch in XXXX XXXX XXXX with my son, who was in the process of opening his own account. After attempting to make a business payment, I discovered the hold and immediately contacted Citi Bank, at which point the restriction was briefly removed. However, shortly thereafter, my account was placed on hold again and eventually frozen. 

Despite multiple inquiries, Citi Bank refused to provide a clear explanation for these actions. As a result, I was unable to access my SBA loan funds, and the account was later closed without notice. I made several attemptsboth in person and via phoneto obtain information about the funds, but I was consistently met with a lack of transparency.

Financial and Business Impact As a direct consequence of this situation : I was unable to use my SBA loan funds to support my nonprofit organization, XXXX XXXX XXXX, as intended. 
I incurred financial hardship, covering business expenses personally in order to maintain operations. 
My MySBA portal still reflects a balance of {$110000.00}, creating confusion regarding the loans status. 
I was unable to apply for forgiveness or resolve my loan status during the active forgiveness period due to my inability to access the funds. 
Interest and fees have accrued unfairly, despite my inability to use or return the funds due to banking restrictions beyond my control. 
Steps Taken to Resolve the Issue I engaged an SBA affiliate and business consultant to investigate, but they were unable to locate the funds. 
I contacted an SBA representative in XXXX XXXX, who also could not track the funds. 
In XX/XX/XXXX, I spoke with another SBA representative who suggested the funds had been returned but provided no further details.

To date, I have not received confirmation as to whether the funds were properly returned to the SBA, remain in Citi Banks possession, or were misallocated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX, XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX Account Number XXXX, XXXX XXXX XXXX Account No. XXXX, XXXX XXXX XXXX  Account XXXX, XXXX XXXX XXXX Account No. 
XXXX 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 a account without my written instructions
Product: Debt collection

Midland credit company, I do not know who these people are. They call from random numbers from early morning around XXXX XXXX  until late at night approximately XXXX XXXX. They won't say who is calling me, they just say your name and expect you to confirm who you are without identifying themselves. Over the past 18 months or so I have had to block at last XXXX phone numbers. Now I am getting letters threatening lawsuits for around XXXX dollars and they still have not told me who this is for, they continue to say XXXX XXXX however, they are not XXXX XXXX  I have a few credit accounts with XXXX XXXX and I don't have a problem with those accounts. I sold my home in 2019 and moved and settled a debt 100 percent with these people and everything was cleared up and it was for XXXX XXXX. Now they are harassing me again, calling from different numbers and locations without identifying who they are. I would work it out if I indeed owe anything because I am completely caught up with my bills and I work constantly to keep my bills paid and this is negatively affecting my credit score.