23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This account has be disputed with all 3 credit bureaus and the dispute is coming back verified. I have contacted the collection agency via certified mail requesting validation of debt and my physical signature. The company has failed to provide any of the information requested. This dentvwas discharged by the original creditor in which I am an employee. This company is rude, from the staff to the supervisors. I ended up making a settlement arrangements just to get their negative marks off of my credit. I am attempting to getva loan to pay for XXXX treatments, and this company that bought a debt won't delete it.
Product: Debt collection

This is not my account and needs to be removed from my credit report immediately.
Product: Mortgage

On XX/XX/20 I received a Loan Estimate stating that I was getting a Lender Credit in the amount of {$10000.00}. When I finally closed on XX/XX/20 there are no Lender Credits showing on the Closing Disclosure dated XX/XX/20.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX  XXXX -BALANCE {$5900.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$19000.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -BALANCE {$59000.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX -BALANCE {$340.00} DATE OPENED XX/XX/XXXX Unauthorized Inquiries : XXXX XX/XX/XXXX 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
Product: Mortgage

I was getting a loan modification to lower my interest rate, at that time my principal balance was {$310000.00}. TMS ( The Money Source ) assured me that it was not going to cost anything to modify the loan. Now my principal balance they say is {$320000.00}, and when I ask them about this they say they have no record of it ever being {$310000.00}. I have my mortgage statements and a printout from TMS showing payment history down to {$310000.00}. I have been told its their error and will be corrected, I have also been told they have no record of it ever being {$310000.00}. I have all the documents which they asked me to email to them, I did email them and to date nothing has been done nor will they return any of my calls.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity.
Product: Debt collection

I am extremely dissatisfied with the inaccurate reporting of late accounts on my credit file. The accounts in question, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should reflect a positive review or be marked as closed/never late. After a meticulous review, the banks have agreed to remove these accounts.
Product: Credit card

XX/XX/year> at approximately XXXXXXXX XXXX I called customer service to change my payment arrangements in which I spoke to an employee by the name of XXXX. XXXX whose employee identification number is : XXXX refused to help me. He stated there was nothing he could do to modify my previous payment arrangement. I told XXXX if he could not do it I will contact the corporate office in which XXXX lied and claimed he was located in the corporate office adding insult to injury. XXXX was rude and did not exhibit the behavior that other customer service representatives have exhibited in my past experiences with Citibank. To offer no assistance to a customer who is trying and also lie about the department and position in which he works is not acceptable behavior. XXXX should not be allowed to assist customers in this manner. In addition to that his tone is very rude and obnoxious.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

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

I was denied credit and a few days later received a letter stating it was denied due to applicant is deceased. I called 3 times and left messages, no one ever calls back. The message says someone will call within 1 business day, its been 5 since my first message. Tried to dispute but I need my consumer report number first. Filed a request for my report and never got it.
Product: Credit reporting

I have disputed the XXXX XXXX XXXX account as well as the 10 year old XXXX account. I have attached an statement provided by XXXX XXXX XXXX to fill out because of the fraud on my account, I also made state with the internet crimes department. So this should not be on report. 
The XXXX account should have been deleted due to age. Also I have provided payoff letter provided by XXXX. Not sure how they state last payment made in XXXX, when it cleary states account was paid off in XXXX. They also sent me a document to see if I would pay XXXX % of the bill to clear matter. So clearly they have some type of issues knowing what to do quoth account. i have also filed complaint with the XXXX of Mn about this.
Product: Debt collection

The third party debt collection agency was notified by the courts as well as myself that the case was included in my bankruptcy. 
The law office has not removed the lien from my credit and no response from the firm.
Product: Checking or savings account

( XXXX ) made a XXXX transfer for {$200.00} from my US Bank account to XXXX. After submitting it, I realized that there's a misspelling. I did another transfer for {$200.00} and canceled the other one. My XXXX account only received {$200.00} but both transfer was taken out of my US Bank account. 
( XXXX ) Last XX/XX/XXXX, my friend sent me {$60.00} thru XXXX. When I was balancing my checking account, the {$60.00} was processed as debit, instead of crediting my account. Few days after I filed the dispute, both of my claim was denied and no reason or explanation why. I worked for 2 different banks for 25 years so I am very concern about the issues. US Bank owes me a total of {$320.00} ( {$200.00} transfer and {$120.00} that is supposed to be a deposit but processed as withdrawal.
Product: Debt collection

We are writing to file a complaint against Monterey Financial Services who continues attempting to collect money from us based on alleged debt they themselves do not even own and continues making derogatory marks on our credit report based on nonpayment of alleged debt they do not even own. We have repeatedly disputed this debt with them directly and demanded they either verify and validate this supposed debt immediately or that they immediately cease their collection efforts and remove the derogatory marks theyve made from our credit report. However, they refuse to do so all based on debt they allege we owe, that we have repeatedly advised them that we dispute, and for which they themselves do not even own. 

Please assist me in forcing Monterey Financial Services to either 1 ) immediately verify AND validate the alleged debt they continue trying to collect from us or 2 ) to immediately close this account, cease efforts to collect from us, and remove the negative marks they have made on our credit report. We greatly appreciate your assistance. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

I paid in full my Chase mortgage on XX/XX/2016 with a refund for over payment on the mortgage which was allegedly mailed to me on XXXX XXXX. It is suppose to take 10 business days and it is still not here. I have made over 3 hours worth of calls 19 in total with no response. I was told I was not cooperating because I did not have a Chase checking account. Please get me my refund check as Chase does not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiry is still appearing and in XXXX, it will be listed for 3 years. I called and asked the company to remove the hard inquiry and I was disconnected. I called back and was put on hold for over XXXX minutes. Company that has not removed the hard inquiry is SYNCB/AMAZON XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX I had applied for an XXXX credit card on XX/XX/21. Not only was I rejected from getting " guaranteed approval, '' but it is still fraudulently on my credit report. I have been able to get XXXX other credit cards since and my credit is in XXXX standing at XXXX and XXXX from the XXXX reports via XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I have a Coinbase account that I am trying to close. I can not close it from within the app. They have no customer care number, just a website that allows you to submit a ticket. I have submitted two tickets over seven days and they have not responded other than a generic statement on their website ( see attached ). 

I can't access my account from a desktop computer because I need to verify my account through XXXX  and email. I can verify through XXXX  but the second step isn't working. They're supposed to email me a link that I can click but the emails never come ... and yes, I checked my spam folder and other filters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX : {$400.00} XXXX XXXX XXXX : {$490.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX a discover card was opened in my name, in XXXX I discovered this information and called the police and made a report. I also filed a report with the FTC as instructed by the police and sent a letter to the credit bureaus. The results were the account was removed form all reports. In XXXX of XXXX Experian put the account back on my report after calling them I was told I'd have to restart a dispute process. I am in the middle of closing on a home and this is an account that never belonged to me nor did I give anyone permission to open for any reason and was already removed from my credit file. Please help me as this could cause me a great setback. Below is a copy of the letters sent to Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX  XXXX {$480.00} XXXX   XXXX {$12000.00} XXXX  XXXX {$69.00} XXXX XXXX {$800.00} XXXX  XXXX {$69.00}
Product: Debt collection

Recently, I did an investigation on credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. I XXXX XXXX XXXX XXXX, a consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I noticed Ive been violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ), by XXXX XXXX XXXX XXXX in connection with the collection of an alleged debt. There is evidence of the use of abusive, deceptive, and unfair debt collection practices. These practices resulted in the infringement of my intellectual property rights. Under Florida law it is illegal to secretly record an oral communication without the consent of at least one party. I am hereby giving you advance notice that I may decide to record any/all oral communication with your company, using any recording device that I so choose ( including transcription ), in the event that I have to use to use it as evidence against you in a court of law to prove that you were noncompliant. So if you contact me by phone, you are therefore giving me consent to record. Pursuant to USC 1692c. ( c ) I am notify you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of illegal communication with me through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as consumer, and the original creditor I am demanding all of the following. I refuse to pay this debt. Send and XXXX XXXX pursuant to 5 USC 552a ( d ) including all documents, including but not limited, signed credit applications, assignments, purchase of debt, ledger of the account, and anything else to the Consumer for review and validation ; XXXX out the balance on this account and DELETE all accounts held by debt collector from all consumer reporting agencies. Remove all remarks and comments off all consumer reports ; Cease communication and use of my intellectual property. Unless it pertains the validation of the alleged debt or remedy for violations that occurred. Any furthers communication with the consumer must be in writing, delivered via mail to the mailing location above. Again, this is a notice pursuant to FDCPA ( Fair Debt Collection Practices Act ), Failure to honor demands and provide the required documentation for proper validation of the alleged debt within 14 days of receipt of this notice, shall. a. ) Be taken as tacit agreement to the claims set forth, b. ) Grant the Consumer all demanded remedies, and c. ) May result in litigation ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ) Assignees who are debt collectors are responsible for the actions of those collecting on their behalf, citing Pollice, XXXX XXXX XXXX XXXX. ) Regards, XXXX XXXX XXXX XXXX XXXX Natural Person
Product: Debt collection

Southwest Credit Systems is attempting to collect a debt from me which I am not aware of and I did not initiate. I believe my data was breeched and I have been a victim of fraud. 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. I have no knowledge of these companies and they shouldn't be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts. 15 U.S. Code 1681b - Permissible purposes of consumer reports a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau. I should be protect according to the the Privacy Act of 1974. Please remove this collection from my credit report as it is preventing me from acquiring credit and a home.
Product: Checking or savings account

I have been banking with Wells Fargo since I was in high school, almost 7 years. 2 weeks ago I received a statement in the mail from a previous college landlord stating I still owed him a deposit which cause me to look back into my bank transactions that were paid to them. There were two charges I recognized not being authorized or even counted towards my paid balance towards the landlord. One charge was for {$510.00} made on XX/XX/2018- and the other charge was for {$620.00} on XX/XX/2018. I contacted the landlord several times and provided proof but was told they have no record. I was very upset over this considering Im no where near financially stable enough to take a loss like that and look past it. I had a little bit of hope believing that Wells Fargo would despite the charges considering the circumstances and my relationship with the bank, but I was certainly wrong. I had spoken to over 5 different representatives from customer services, claims center, and then resolution center, who all treated me with an attitude and dismissed my claim immediately giving me a strong impression that I wasnt a valued customer. I filed a claim with the executive office and asked several times over a 5 day period to speak with them on the phone, but was told I couldnt. I received a letter in the mail almost 6 days exactly after I filed a complaint with the executive office.. the letter stated the complaint was closed and it contained a couple sentences saying they apologize for my inconvenience and are disappointed they arent able to help, and that I should be aware of their policies. This whole experience was absolutely terrible and made me question why I do business with a bank who doesnt have their customers back whenever something goes wrong. The policy that they werent able to dispute a charge past 120 days is understood, but shouldnt mean that circumstances cant be taken into account considering the large amount of money. I am completely stuck and option less due to the fact that Wells Fargo decided not to protect my finances. I also am feeling a strong impression that Wells Fargo does not have their customers best interest in mind and views them as a number rather than person
Product: Credit reporting or other personal consumer reports

Hard inquiries that I did not authorize have appeared on my credit report, violating 15 USC 1681c-2. These errors are affecting my XXXX XXXX, and I need them removed.
Product: Checking or savings account

Mt & t bank balance due {$620.00} someone went to the teller and cash a check to my account but the bank on XXXX XXXX in XXXX do not no who did it where the account was open in newyork my name and address was not on that check
Product: Credit card or prepaid card

This complaint involves GENESIS FS CARD SERVICES. I applied for this card because I had a {$300.00} limit. I reached that limit, & put it on auto payment. My card was compromised twice, so XXXX & XXXX payment was sent back. They charged 2 late & 2 overlimit charges which I would not pay. My limit was {$300.00}, I told them I would pay that only. Of course I'm still overlimit and they keep charging me, more & more each month. And constantly calling me. 
I talked to them- XX/XX/XXXX. They said I would still charge me over {$400.00} more & because it's over limit of {$300.00}, keep charging overlimit and late charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

i Sent certified letters to the credit bureau over a the course of time for the last 3 months and haven't received any responses
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and I notice the following inquiries in which I don't have any accounts nor did I apply for credit with them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I deposited a check for {$1000.00} into by checking account at PNC before the next business day cutoff time. I was not notified of any holds placed in this deposit. The full amount of my deposit was not credited to my account to cover items presented that night which resulted in an overdraft fee. When I contacted the company I was told their policy was to only credit {$100.00} of any deposit made towards items posting that night and the remainder of the deposit posted the next day. How can they hold funds without notice? Why should they have a standard policy to not fully credit funds to their customers accounts until the following day? This policy is obviously in place to cause overdrafts and generate fee revenue and hold funds to make additional float in it. Its an unfair practice to place on consumers and opposite if any other bank that I know.
Product: Debt collection

IQ DATA INTERNATIONAL is reporting that I owe ( Original Balance {$8900.00} ) vs ( New balance {$11000.00} ) to XXXX XXXX XXXX and this apartment home was leased to my mother and I was a tenant still in High School. I have requested that both XXXX XXXX XXXX  and IQ DATA INTERNATIONAL provide the original signed application to validate this debt on XX/XX/2023, XX/XX/2023 and XX/XX/2023 without a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX began running monthly unauthorized credit checks on me personally under a email address not mine but persisted for over 12 months. When inquiring about this with them nothing was accomplished nor information needed to address and uncover who was responsible for this. Pretty much same with identity theft and Equifax not being able to verify my identity and a problem with my bank and fraud you forwarded to comptroller of currency which I was falsely accused of fraud after repeatdly asking for help from bank only to be later completely and wrongly defamed accused and false statements from bank to comptroller. Due to repeated and unending attacks and no help or protection for any electronic device I am now completely and totally destroyed dignity character you name it. I was sent an email by you pertaining to a student loan I never opened nor know anything about and can not get answers to who where or any help or credit or life what so ever after this complete and total failure to help but I tried to do what was needed to assist but was stopped in my tracks everytime I tried. By theft data hacks and just outrageous ridiculous behavior I've have never witnessed nor seen in my 60 yrs on planet and now getting worse thanks I had so much hope now I'm so physically and mentally destroyed and tired of all the false and just godawful things that I have endured due to such complete and total destruction of my health life and any desire to ask for help to stop wrongful and clearly illegal behavior. I can not endure all the misinformation financial or personal attacks and can't health wise endure a protracted and totally ridiculous reason to have to now hire attorneys and go after the bad actors. I was so hopefully my request for help would lead to good results only to further damage and lead to bigger and worse problems. I'm so disappointed and confused how a bank a credit reporting outfit and XXXX and XXXX XXXX such blatant and obscene behavior besides hotel stealing from debit cards and loans etc I cant contest or even attempt due to no faith or trust left to even ask.
Product: Credit reporting or other personal consumer reports

I noticed these on my report XX/XX/2024 I do not recognize these.