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

I have submitted several letters to all 3 credit bureaus- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with ( XXXX- credit card ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. 

This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and XXXX XXXX XXXX XXXX-credit card ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Checking or savings account

On XX/XX/2019 I deposit {$490.00} to be exact in my account. I then received a bank of America text alert to my phone that after noon which stated that my account was overdrawn & that my funds are on hold do to someone else saying that I use there ssn number. So the bank ask for verification to state that my ssn belongs to me which I fax my social security card over to the company. Also fax over a letter from the social security office stating that they do not give out verification letters anymore which is what my bank is asking for to release my funds. I am asking the bank to release my {$490.00} I deposit into my account & close my account because I no longer want to do business with this bank again!
Product: Debt collection

This debt does not belong to me, the amount listed is {$120.00} by the account holder. 
XXXX XXXX and XXXX XXXX. There's no address listed for this company and it was sued as a fraudulent debt collector. There's no information listed on credit, they have denied validating or verification and its past the 30 days.
Product: Credit reporting or other personal consumer reports

Upon the relationship ending XXXX I have requested ALL documents associated with alleged account and have NOT RECEIVED ANY. 

In fact, XX/XX/XXXX I received a Data Breach letter advising consumers of fraud, and potential XXXX compromised. 

In addition, the company is violating my consumer rights per FCRA 604 15 USC 1681. 
I believe the Lack of Validation is indicative and supports my concerns of false reporting while violating my consumer rights.
Product: Vehicle loan or lease

I called capital one auto financial to make a payment arrangement, but I was not late yet, I told them that at that time I could not make the payments since I was out of work and they never gave me any solution at any time. I tried to send in 1 month 100 to the next 400 to try to fall into late payments, I insisted on the 3 month and I made a payment arrangement that I had to pay XXXX for 4 months to get up to date, although it was difficult because of the high value of the couta I did it has me month during the period they gave me, now I am completely up to date with a very high interest payment for a XXXX XXXX a month, and so that way I arrive with them to the payment arrangement I have been notified in the 3 credit bureaus as late payments of 30 and 60 days for 5 months, I have been affected by the credit and the worst is that they have no word because while a person is in payment arrangement is considered the good account but this company is all otherwise. They do not want to refinance the debt of the car so that my interest will be reduced. And the last month of the payment arrangement that was in XXXX, I had to pay the payment arrangement I had plus the month of the car. What do I have to do?
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is being negatively affected because it shows the account was " Paid, Closed. {$410.00} written off. '' For a 8-9 months now, I've been working with Ally to get this fixed and also disputing the results on XXXX but there has been no results! Ally customer service tells me they have put in a " work order '' to fix the issue and that it takes XXXX weeks. After numerous work orders, experian disputes and countless of hours spent talking to Ally, I am left no choice. I have a letter from Ally showing that my account is PAID IN FULL ( and I've attached this letter to the XXXX disputes ) but my dispute gets denied. Ally is saying it's paid in full to me verbally but they are not able to update my credit report.
Product: Checking or savings account

Over draft fees multiple Also account all the sudden suspended and cant access or re open. They blamed XXXX first, then the other bank that the person made the payment from, and then finally just had no anwser and were RUDE AND NO HELP
Product: Debt collection

I have settled the debt with XXXX XXXX XXXX and they have agreed to request that the trade line be removed off of my reports with in 60-90 days and I am asking that the trade line be removed immediately off of my report. The person that I was working with was XXXX and please see the attachments below.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 card

I made XXXX large payments amounting to {$4000.00} to BarclayXXXX  XXXX for my accounts ending in XXXX and XXXX. BarclayXXXX immediately XXXX  my credit lines so that I could not use the credit that should have been available to me. I had made these large payments to both pay my minimum fees and to submit a cash travel advance from my employer to pay for an upcoming foreign trip to XXXX for my business. By reducing my credit line, BarclayXXXX had essentially stolen this advance. I called them and after speaking to XXXX different people over the course of an hour, including a customer service supervisor and another supervisor in the XXXX XXXX department, they informed me that they would neither restore my credit line or return my payment. Since my payment is not due for several weeks, this is against policy, as I should be able to reverse my payments and pay the minimum fees. They explained that they were justified because they had done a review of my credit several months ago and that I had made a late payment to a different bank last year. I explained that this was shortsighted as I wanted to pay down the cards but I could not send them payments if they did not give me access to the services that my payments afford ( for example, I sent my travel advance to BarclayXXXX  because I intended to use the benefit that my card does not charge foreign transaction feesnow I am denied access to the services that I pay for with these cards ). I also explained that I would have no choice but to report the matter as fraud to my bank and have the payments reversed since they refused to return my payments. they told me to go ahead and do so. So I did. My bank agreed and my payments were reversed. In retaliation, BarclayXXXX removed my payment bank account from the app so that I could not now make the minimum fee payments for the month ( presumably so that, when my payments were late, they could close my accounts and demand immediate payment of the balance for cause ). This is predatory behavior. I was able to add my wifes bank account and make the minimum payments, but I still remain unable to use my credit card accounts to enjoy the banking services I pay for.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS STOLEN 2019 AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB XXXX 


I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED. THERE SHOULD ONLY BE ONE ADDRESS BEING REPORTED TO MY CONSUMER PROFILE. I ADVISED THIS AND THERE ARE STILL BEING LISTED
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i sent dispute letters to the credit bureaus asking to get some inaccurate items removed from my credit report. It has now been 62 days & these items are still showing on my credit report. I have not received any letters explaining the outcome of my dispute. These inaccurate items are preventing me from applying for a mortgage to get my home. Please assist with getting these items removed from my credit reports ASAP. Thank you for your assistance.
Product: Credit reporting

I reviewed my Experian credit file, I noticed many items that were inaccurately reported. I contacted Experian by phone to discuss the items and was asked to go on line to file a dispute for the items. I chose to exercise my right to file the dispute in writing. On XX/XX/XXXX, I sent a letter to Experian noting a few accounts, including these accounts : XXXX from XXXX and from XXXX XXXX. I sent this correspondence certified mail with a return receipt requested. I received confirmation that my letter was received by Experian on XX/XX/2017. I received a copy of my dispute resolution approximately 2 weeks later, noting these accounts were accurate and would continue to report. On XX/XX/2017, I contacted Experian to inquire about the disputes and about the way by which these inaccurate accounts were verified. I also asked for the documents in their file that were used for verification purposes. I begged them for proof. I asked the same questions after calling their office 2 times on XX/XX/XXXX, speaking to 2 agents and a supervisor named XXXX. She did not give additional identifying information. During those conversations, I was told that Experian does not maintain actual proof of verification for accounts, the way that they verified these accounts is by sending the account to the creditor and, in return, the creditor said that it is accurate. I was also told by both agents that there is n't any department or employee at Experian that has access to any such documents that were used to verify these accounts because they do not exist. Based on a 3rd party collection agency, without any documentation to provide to me, Experian closed my disputes without verifying the accuracy of the information. I was told by agents, and the supervisor named XXXX, there that they did not have to provide me with such proof & the creditor 's word was enough for them to keep reporting it unchanged. I was also told that I needed to get my own proof and I needed to contact the creditor. I 'm requesting the above named accts : XXXX ( both ) and XXXX be deleted ASAP since Experian failed to verify the accuracy of the information reported by their company in accordance with the Fair Credit Reporting Act. To date I have not been provided with any documented proof from Experian that these accounts are accurately reported.
Product: Checking or savings account

On XX/XX/2021. I received a phone call from what I thought was Wells Fargo. The caller Id on my phone said Wells Fargo. It was the same number that is on the back of my debit card. The caller stated he was from the fraud department at Wells Fargo. He said we were on a recorded line. He then stated someone was trying to add themselves to my XXXX account. He said Im going to send you a code plz repeat the code back to me.He said it was to verify I was who I said I was. I asked him, how could someone get into my account to add themselves. He said if you use public WiFi its possible. He gave me the persons name who was trying to access my account. XXXX XXXX. He said they were also trying to set up wire service to a bank account with XXXX XXXX Bank. Then he stated you need to change your password every so often. He said Im going to send you authorization to do so. Ever time he said Im sending you something it came through so I thought he was with Wells Fargo. Who else could send you codes. Every code came from from the Wells Fargo link. Why would I think it wasnt them. He also stated your going to get delayed emails and text from the automated system. You can ignore those because we are already in the process of stopping in further this transactions. He sent me a total of 3 codes. By doing this he was able to change my password, add someone to my XXXX account, and add wire service to my account and authorize {$5500.00}. To be wired to the account he claimed someone else was doing. After so long the call dropped and I got another call from Wells Fargo. It was a lady asking me about a wire transfer authorization for {$450.00}. I told her I just spoke with someone from Wells Fargo. She said yes, I see you just authorized a wire transfer for {$5500.00}. I said no maam I did not. She said you need to go to the bank immediately. So I did. When I got there I spoke with a banker. She was able to pull up my account info and shoe said she saw the transaction pending, bit couldnt stop it. She called the fraud department from the bank and they said the same thing. unfortunately wire transfers done online cant be stopped.The banker advised me to close my account and open a new one. They started an investigation. I have followed up with Wells Fargo about returning my funds and Ive been told my claim was denied. Then they reopened it to do further investigation and as of today Friday, XXXX XXXX. XXXX still waiting to hear from Wells Fargo. Ive been with Wells Fargo for 17 years and Ive never had any problems like this. They never even offered me any kind of Provisional Credit or any kind of extra assistance. Ive spoken to several people in the ACH department and no one seems to that Ive been a loyal customer for 17 years. I filed a police report with the XXXX XXXX XXXX police department. I have also filed complaints with several other governments departments. Thank you for your time.
Product: Credit reporting or other personal consumer reports

Subject : ID Theft Notification and Unauthorized Account Dear Credit First, I am writing to inform you that I am a victim of identity theft. My personal information was compromised, possibly due to a data breach from the XXXX XXXX XXXX. Consequently, a credit card account was opened in my name without my knowledge or consent. I have no association with this account and request that it be closed immediately. I also report to all Authority Agents regarding ID Theft. Please guide me through the necessary steps to resolve this issue and ensure my credit is protected. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX.
Product: Checking or savings account

I received a mailer from Citi that offered various bonus amounts for opening a new checking account and depositing funds with Citi. I chose the offer that allowed me to deposit {$30000.00} in the checking or a new linked savings account within 20 days, maintain it for 60 days, and receive a {$500.00} bonus. 

I opened the checking and savings account in branch XX/XX/XXXX. I brought the flyer with me to ensure the banker had all the information he needed. I deposited the required funds XX/XX/XXXX. The 20 day qualification period, the XXXX maintenance period, and the 30 day bonus posting period have passed. The advertised bonus has not posted to my account. 

The eligibility requirements to participate in this offer are stated as follows : So long as you have not owned a Citi checking account in the last 365 days, meet Tax Requirements and are at least XXXX XXXX XXXX, you are eligible to participate in this offer. My last Citi checking account was closed XX/XX/XXXX, I meet all tax requirements, and am at least XXXX XXXX XXXX. 

I contacted Citi via their app on XX/XX/XXXX and was told online support was unable to help and to contact their support via phone at XXXX. I contacted Citi via phone at the requested number and was told they could not help either and was told to go in branch. Going into the branch to resolve this is not feasible for me. I have already made two attempts to contact their support through the methods they request. I do not wish to jump through additional hoops to receive support from Citi.
Product: Credit card

Bank of America had a data breach and I would like for my credit card account to be forgiven the account is closed however I still have to pay and I feel like I shouldnt due to the circumstances of the company, allowing my information to be leaked due to a data breach
Product: Debt collection

I recently became aware of a debt that was sent to collection. I became aware of this when I checked my credit report this month as I am applying to XXXX school and will need to apply for federal loans.These are bills from medical procedures from XX/XX/XXXX. I did not receive a bill from the hospital, If i did I would have paid the debts. After these procedures, I moved from XXXX   to XXXX and had my mail forwarded. I received many other bills from my procedures that were forwarded to my XXXX  address and paid those in full. 
When I became aware of this collection debt, I contacted the hospitals who could not provide me any information as to what the debts were for and I was told to contact the collection agency. 
I did contact them and have paid the debt in full. 
I would like these two debts removed from my credit report. I have been accepted into XXXX  school for fall XXXX and will be applying for XXXX   loans. I will not be able to go to XXXX  school with this affecting my credit.
Product: Mortgage

I applied for a loan from American Financing. Everything was going smoothly, and I was confident I was getting the loan. Although it was a FHA loan, and I had to repair certain problems on the house. For example, I repaired a railing on my front porch, and I also had to fill in a large hole in back yard because of pipe repair.. I also had to replace electrical outlets that were near water sources. The loan was signed and dated XX/XX/2019, so I was told that the loan was approved. The only reason I didn't get it sooner was because of work that had to be done on the house. 
Finally, everything was complete, and the only thing left was the closing. On XX/XX/2019, I was called by XXXX XXXX, and told that I was not getting the loan. He said the stimulus bill the government passed had changed the investors minds. The reason I didn't qualify was my credit score was too low. The FHA guidelines state that my scores are good enough to satisfy the loan. American financial said my scores had to be at least XXXX. I believe that this company committed fraud. Also, these new guidelines should not apply to me because I already had the loan, and started this process last year. WELL Before the start of the pandemic. I thank you for your time in reading this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identify the ft in 2010, and shortly after I went through an exacting amount of time attempting to correct and fix this  mess. Experian, more so then the others, was absolutely unhelpful and dragged their feet. After reaching out to private counsel,  XXXX  separate police departments, and the FTC I finally had them rectify the issues. Now fast forward, a illegally opened and FRAUDULENT account has reinserted itself ONLY on my EXPERIAN report.  XXXX  is being reported  XXXX  times and with a balance of  XXXX
Product: Debt collection

I received a bill from a debt collector for a bill for XXXX XXXX XXXX hospital in the amount of {$100.00} and which had interest of {$15.00} added on from the debt collector CBB ( California Business Bureau Inc ). There is no bill due to XXXX XXXX Hospital because it was paid over 3yrs ago. CBB is threatening negative credit reporting if I don't pay them. I am not paying them money I don't owe.
Product: Debt collection

Called I.C. System to pinpoint what exactly was owed to XXXX XXXX because the account was paid off. XXXX XXXX received all their equipment and the account was cancelled on XX/XX/2018. I asked what the debt was for, I.C. Systems couldnt tell me what the debt was for. I also let them know we received no bills, so why would it go straight to a collection agency. Again no substantial answer. I thought perhaps there was fraud going on, so I called XX/XX/XXXX and the collections department assured me that we owed nothing and the account was closed. The young man said to go straight to the FTC and report it, it sounds bogus since I.C. System couldnt give any answers.
Product: Credit reporting or other personal consumer reports

I am currently unable to log into my account for credit freezes. The system tells me my phone number is not right. It is impossible to get anyone on the phone at Experian. You have to search the web for tricks on ways to talk to someone and Experian blocks those as soon as people start getting through. I did talk to them about a month ago about this and they said they would mail me a pin so I could get on. It never arrived. Seems like a company that is recognized as XXXX of the top XXXX credit reporting companies should have to be reachable by the consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has wrong names and addresses on my credit file and are making it difficult to have removed, i contacted them about this in the past and nothing has happened