23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I received a XXXX alert where someone added an address to my credit file that did not match any of the addresses where I stayed or have on file with XXXX. XX/XX/XXXX, Tek-Collect added a collection to my credit file that did not belong to me. XX/XX/XXXX I sent a letter to Tek-Collect requesting they send me any information validating this debt. On XX/XX/XXXX XXXX XXXX. XXXX sent me a document from XXXX XXXX XXXX. After carefully examining the document there was the address that was added to my  credit report and the person 's birthdate that did not match mine. I responded on XX/XX/XXXX informing XXXX XXXX that the debt was not mine, I never lived on XXXX. XXXX, that was not my doctor and certainly not my birthdate. I did inform him that on XX/XX/XXXX that someone added the XXXX XXXX address to my credit file. After waiting several weeks, I did not get a reply from Tek-Collect and the error remained on my credit file. XXXX and XXXX, after receiving my proof of address, utility bill and valid driver 's license with  birthdate, they promptly removed the collection from my credit file. However, this debt remained on XXXX. On XX/XX/XXXX I file a dispute with XXXX ( confirmation # XXXX ) disputing the address and the debt collection. They asked that I send them a valid driver 's license, copy of my social security card or XXXX form and Utility Bill in my name within 24 hours of my dispute, which I did. 
On XX/XX/XXXX XXXX said 'if they were able to make changes to my credit report based on the information I sent, they have done so. Otherwise, we, ( XXXX ) contacted the company reporting the information to XXXX for them to investigate your dispute. 
- We request that the reporting company verify the accuracy of the information you disputed ; - We provided them with any relevant information and supporting documentation you provided us with the dispute to consider as part of the investigation and - We request that they send XXXX a response to your dispute and update their records and systems ' As of XX/XX/XXXX, I  have not heard from Tek-Collect and XXXX sent all my personal information they requested Tek-Collect and the collection remains on my credit report. Now, I 've found out that my personal information through XXXX has been compromised. I want this debt collection removed from my credit report because it is not mine.
Product: Credit reporting or other personal consumer reports

I went to XXXX XXXX to purchase a vehicle on XX/XX/year> I saw online the night before. If I liked the vehicle, my intent was to purchase. After test driving the vehicle, I discussed logistics with XXXX, my sales rep. I was adamant I did not want my credit run until clear understanding on payment, interest, etc. While my credit score at all 3 bureaus ranged between XXXX - XXXX, I was not concerned with getting the best APR available or being financed. My financials and debt to income ratio were also of no concern. Once agreeing on the payment and term details, I completed the application. Again, I was adamant not to hit my credit bureaus multiple times. They did just that, XXXX. I ended being approved, within {$2.00} of agreed payment and terms. I want these excessive inquiries removed from my credit report. It was not necesssary and now reflects negatively as excessive inquiries on my credit report. My credit score dropped XXXX points. 
My daughter is expecting and looking to purchase her first home, my intent was to help if and as needed ; however with this decrease in my credit, it has resulted in a burden and hindering ability. 
I also told the dealership I could reach out to my credit union myself for approval, to specifically avoid this. I am not happy on the excessive hit on my credit bureau in an attend on their tactics. 
I am requesting these excessive hard inquiries on my credit report be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

last month i took a look at my credit report last month and i noticed around 4 negative items that where not mine. I quickly found out that these accounts where open without my consent. i think that maybe my cousin used my information to open these accounts.
Product: Debt collection

Equifax is allowing a collection account from XXXX XXXX XXXX, XXXX, and XXXX to be reinserted on my credit report after being disputed, investigated, and deleted many times now with Equifax and a previous cfpb complaint. There response said it's no longer being reported on my report but that's no longer the case. Equifax is supposed to take measures to not let this collection account to be reinserted. Furthermore Equifax is supposed notify me in writing and within 5 days of reinsertion, and that never happened. Having to keep going through this is getting old and I just want this to be deleted like it was and stay that way so everyone can move on with life. I'm in the process of buying a first home and can't afford to have this pop up when I'm at the closing table. Thanks
Product: Checking or savings account

The amount that was deposit to Wells Fargo ATM {$3000.00} in cash. I went ahead and called the number on the back of my card once I notice that the fund was not available. The response from that called was they cant do nothing and i cant prove that I deposited the amount.
Product: Bank account or service

I have a checking account at TD Bank. It is an account in both my brothers name and mine. We set the account up in New Jersey, where my brother lives. The reason we set it up was for my brother to be able to make deposits frequently into the account so that I could have money for food and also for co-pays to my doctors. I am a XXXX, so I go to the doctors quite frequently. Recently, I checked the account and realized that we were being charged {$10.00} a month because the balance fell below {$100.00}. I questioned the bank person on this and told her we were never told this when we set up the account and I did not think it was fair to have been charged {$10.00} EVERY month just because our balance would go slightly under {$100.00}. I live on a small social security check and rely on my food stamps to get food. Charging me over XXXX % a month to penalize me seems a bit unfair. I do n't think rich people get penalized XXXX % of their money each month. 
I am tired of being penalized because I am now poor. They have also started to charge me {$1.00} a month as a new " fee '' in addition to the {$10.00}. fee. This is criminal. 
Please investigate this and tell me why do poor people have to cover the administrative costs for the bank and not the rich. 
Thank you, XXXX XXXX XXXX ( age XXXX! )
Product: Prepaid card

I got a tax loan for {$1000.00} XX/XX/year> from XXXX XXXX  on a NetSpend card NetSpend close my account I was only able to spend {$300.00} they NetSpend close my account I requested a check or a alternative way to access my remaining balance the last 2 years NetSpend said they send me a check in the mail for my remaining balance from XXXX XXXX  and I never got my money also I have other accounts with NetSpend what money in it that they refuse to give me my money XXXX XXXX
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 XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. 

I have pointed out the inaccurate reporting of this account in the attachment documents below.
Product: Checking or savings account

I certify I am telling the truth and only the truth and I did have this conversation and I was told what I state below. : Before opening the accounts I contacted Wells Fargo customer service. ALL customer service representatives stated a banker in the branch has the ultimate knowledge to interpret the terms and conditions. To properly interpret the clause : You have received a bonus for opening a Wells Fargo XXXX Checking account within the past 12 months. On XX/XX/year>, at XXXX PST I spoke to XXXX XXXX XXXX a XXXX at the local branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX tel. ( XXXX ) XXXX She stated - clearly and unambiguously that it means the 12 months period begins from the date of the previous account opening.
Product: Credit card

I cancelled my Amex XXXX Rewards card on XX/XX/2016 because of the annual fee. Amex confirms they received the request and it should have been complete but did n't complete it. Now they say I still owe the annual fee because it was n't actually closed.
Product: Debt collection

I reviewed my credit information and notice an error on my account from an apartment complex I stayed in years ago. The complex back then was called " XXXX '' and is now called " XXXX ''. I had email correspondence with the complex regarding my concerns dealing with the apartment before I moved out back in 2008 and was reassured I had nothing to worry about because those issues are not mine and on the complex. I am looking at my credit report and see a charge for XXXX that should n't be there because we left out with a walk through completed and was stated that we had nothing to worry about. We were also given back out security deposit as well when we moved out. 

The company that is showing on my collections with XXXX is : FAIR COLLECTIONS XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Credit reporting

I have disputed this account more than several times, then had to take it upon myself to contact the creditor and obtain the history which still is not correctly reporting on my credit. I do not know how these agencies go about receiving a dispute and complete a full investigation as nothing has been addressed or even verified. This agency still continues to report late payments on my mortgage in 2014 which is NOT accurate on my end and the creditor. Please see attached and help.
Product: Checking or savings account

Navy Federal as been doing whatever they want to with my account for the last few months I have been frozen since XXXX there is over {$50000.00} in my account and I need to access the funds it is a 2 hour wait time to call whenever I try to get someone from security I submitted all the required documents and they still have not reached out its way pass the time frame they give and I need to go to the bank and withdraw my money and they need to remove all restrictions from my account and stop doing this to me
Product: Mortgage

Hello, i am filing a claim on how my mortgage company green tree treated me, first when my mortgage was transferred to them my my monthly payment went up by {$400.00} without enough explanation, and high late fees, they were very abusive both to me and my wife to an extent i was very stressed out and i lost my job because they harrassed me with non ending phone call from XXXX all day long and leaving voice mail i could not concentrate at work.Green tree used to call me every day for like four years even when i schedule a payment with them, they used to call my job, wife, relatives and leaving voice mails.The employees were very rude to us they threatened to foreclose our house even after we had a scheduled payment on file.I had a recording of one their employee by the name jonny. who called and forgot my phone was still recording and they were discussing their customers payments history in a mean way.Green tree lied to us we could only make a payment using speedpay.They took us through XXXX trying to modify our mortgage because every time we faxed documents they claimed they had not received them it was so bad i was ready to walk out of our house.I will appreciate your response Thank you.
Product: Debt collection

I am writing to formally request a 1099-C form related to the charged-off account listed on my credit report for the amount of {$5400.00} account number ( XXXX ) with company NATLCRSYS. 

According to my credit report, the debt associated with this account has been charged off by your company. As per IRS guidelines, if a debt has been forgiven or canceled, I believe I should have received a 1099-C form, which documents the cancellation of this debt for tax purposes. However, I have not received this form to date. 

Please send the 1099-C form to the address listed on file as well as down below at your earliest convenience. If there was no cancellation of the debt, or if additional steps are required on my part, I would appreciate clarification of the status of the account. 

Thank you for your prompt attention to this matter. I look forward to your response. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Contacted Transunion and XXXX for the past year to obtain credit report. Evidence was provided to confirm identity. Still can not pull up credit report. XXXX online report is not matching with currently active accounts, and Dispute was submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send several letters out to Equifax about hard inquiries I have 43 hard inquiries on my credit report I have disputed them but have not heard anything from XXXX, Equifax, XXXX I have 18 hard inquiries on XXXX 43 on Equifax and 16 on XXXX  it has been over five months and I have not heard for any one
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union has continued to report fraudulent information on my credit reports. I am a victim of identity theft. I have not applied for credit with any of the following intities and these inquiries need to be removed from my credit report. 
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: Student loan

FedLoan Servicing has terrible customer service. Every rep I have been in contact with over the last 10 years has been rude and incompetent. Every rep gives different information and I was forced to go into deferment for 6 months when they should have given me the option to lower payments. Also, a customer service rep told me over the phone that the parent plus loan was not eligible for PSLF. Because of this inaccurate information, I have lost 6 years of payments that could have been eligible for forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone tried to activate service under my name with XXXX XXXX without my knowledge or consent. I am disputing a credit inquiry from XXXX that was submitted to XXXX XXXX on XX/XX/2018. I am asking that the inquiry be removed from my credit report as I did not authorize this inquiry.
Product: Credit card

Approved for new credit card but interest rate is 22.24 % should of got the interest rate of 18.74 % due to my high credit score of XXXX...
Product: Prepaid card

was issued American Express ( AMEX ) gift cards over the past three years. Each of these cards was not needed at the time, but now I wish to spend the money and find that all transactions using these cards are declined. Neither online spending, adding to wallet app on phone devices works. XXXX, XXXX, XXXX and XXXX XXXX have declined all requests to use these cards as payment.
Product: Credit reporting or other personal consumer reports

Please help me get these unauthorized inquiries off my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXTransunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have several misrepresenting name so and addresses on my report. They just keep putting wroing info on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

My SSN card was stolen when my home was burglarized. Fraud holds were put on my capital one credit cards. I submitted police report, filed for a new SSN card and called capital one to explain. A few days later I got an email that I had a late payment. I called capital one and they had me verify my identity by sending in my Id and SSN card. I explained my card was stolen and they told me I had to wait until my new one comes. I explained that I need to pay my credit card bill and my autopay did not go through, they told me that because of fraud hold autopay is blocked and they cant talk to me until I provide SSN proof of card. I called numerous times, with no help until months later by chance I was contacted by XXXX Detective at XXXX decision, he had made an arrest and recovered my SSN card. I called capital one right away with supporting documentation and they agreed to remove the late payments ( please see all documented communication in attachments. ) Its been a year, Ive had over 12 hours of time spent on the phone with capital one, over 8 different communications, all of which the rep said late payment was not my fault but I have no letter as promised still, and nothing has changed. I dont know what else to do. On the last call they asked me if I used a credit repair company, this is just ridiculous its like theyre coming up with everything in the book not to help me but my credit cards are all in good standing and being used through their bank. 
Thursday XX/XX/XXXX XXXX XXXX XXXX  called XXXX made note on the account that no way I was able to pay, auto pay was blocked no one would talk to me until I sent in SSN card & Going to wave the late fee remove late payment history Rep Name : XXXX ( Compny ID : XXXX ) Confirmation Code : XXXX Friday XX/XX/XXXX XXXX XXXX  called XXXX into convo sending me to manager utility bill they cant do anything but I dont live there see picture Manager is XXXX XXXX in fraud and dispute department Bank statement make them change XXXX Case # XXXX Thursday XX/XX/XXXX Case # XXXX XXXX Fraud & Disputes XXXX said no late payment history XXXX Capital One Fraud Department Monday XX/XX/XXXX CASE # XXXX Attach case # to documents XXXX Monday XX/XX/XXXX XXXX - XXXX Screenshot XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XX/XX/XXXX ( Phone call with CapOne ) Rep : XXXX Company ID : XXXX Department : Fraud and dispute Reps Remarks : Late payment should be removed from your report due to the fact that it was outside your control
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reporting incorrect dates on file causing a XXXX point reduction in credit score. They are treating old accounts as new delinquencies when they are over XXXX years old. Disputed once previously and was corrected but issue keeps repeating.
Product: Debt collection

In accordance with the fair credit reporting act XXXX XXXX account XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXXXXXX Balance : {$80.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00}
Product: Checking or savings account

On XX/XX/year>, an unauthorized interbank transfer was made from my XXXX XXXX XXXX  account to a company called " XXXX XXXX '' located at XXXX XXXX XXXX, New York, NY. Additionally, I found that other insurance accounts were also compromised on the same date. It seems that the identity thief or hacker might be an internal customer of XXXX XXXX XXXX XXXX XXXX XXXX  I am requesting an immediate refund of the {$25.00} to my account and asking the bank 's IT department to implement additional security measures to prevent illegal internal bank hacking across customers ' accounts nationwide.
Product: Debt collection

I never received any correspondence from this company to advise me of this account. I found out when I received an alert when it was added to my credit reports.
Product: Debt collection

I moved out of XXXX XXXX XXXX  XXXX in XXXX of 2019. In XXXX of 2019, I received a bill for damages for {$100.00}. I was not aware of any damages, so I asked them to provide proof of the damages and I would happily pay them. XXXX XXXX XXXX  XXXX informed me that they could NOT prove there were any damages and couldn't provide any proof of damages. I asked them to withdraw their request for payment due to it being fraudulent and false, and they refused, even though there are NO damages. They then sent me to collections ( Fair Collections and Outsourcing ) who then reported me to all three credit bureaus and severely damaged my credit. Attempts to contact and explain the situation to Fair  Collections and Outsourcing were met with a repeated response of " pay or we will damage your credit further ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION WAS COMPROMISED AGAIN LAST YEAR AND MY CELL PHONE NUMBER WAS HACEKD AND SPOOFED AND SOMEONE HAS USED MY INFORMATION TO OPEN UP LOANS AND FRAUDULENT ACCOUNTS USING MY SOCIAL SECURITY NUMBER AND I HAVE A POLICE REPORT ALONG WITH MY FTC REPORT TO PROVE THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT THE NEXT STED I WILL BE TAKING IS TO GET MY LAWYERS INVOLVED TO STOP THIS FRAUDULENT ACTIVITY THAT XXXX XXXX EXPERIAN JUST KEEPS ALLOWING TO TAKE PLACE ON MY CREDIT REPORTS AS THIS IS THE REASON I MY XXXX XXXX EXPERIAN CREDIT REPORT WILL NOT ALLOW ME TO USE MY CREDIT FOR BUYING A HOME BECAUSE THERE FRAUDULENT ACCOUNTS THAT ARE NOT BEING DELETED AS YOU ARE IN COMPLETE VIOLATION OF 15 U.S. CODE 1681C AND THERE ARE UNAUTHORIZED INQUIRIES ON ALL 3 OF MY CREDIT REPORTS THAT NEED TO BE DELETED IMMEDIATELY 1. XXXX  XXXX XXXX EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.