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

I notice multiple accounts showing on my credit that I have never opened or seeked to obtain credit with these companies
Product: Debt collection

This number called my cell numerous times ; XXXX called today at XXXX,, XXXX XXXX, 2015 from American Capital asking for my daughter, who is a minor. I do not owe anything. All my bills are paid. I have excellent military insurance that give me a co-pay to pay which I have to do before services are rendered. I have repeatedly made this clear. I keep getting fraudulent calls and placed into collections for co-pays form XXXX XXXX XXXX XXXX XXXX of XXXX on XXXX XXXX. I have called back many times and are being harassed and bullied to pay expenses I do not owe. I have already paid several co-pays XXXX or that I do not owe to stop the XXXX billing practices, bills and phone calls.
Product: Mortgage

We filed a complaint several months ago about our on going foreclosure with CitiMortgage. The issue has not been resolved. CitiMortgage fails to respond to any and all of our requests for a loan modification. They also do not disclose the property sale date to us at all, we always have to find out via the local paper. Also, we have reviewed the original loan documents have found a real problem with the appraisal they did on our home. We refinanced the loan we had with Citi for a lower interest rate, the appraisal was inflated by {$47000.00} in only a span of 9 months. We feel this is predatory as Citi signed off on the appraisal which was done by the same appraiser who appraised our home for the previous loan. We have attached the appraisals for your review.
Product: Debt collection

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy.

In accordance with the fair Credit Reporting act ) IN COLLECTIONS GENERAL REVENUE CORP I OWE THEM {$160.00}.

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. 



15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, XXXX, written permission to furnish these accounts. 



REMOVE OR THE LATE PAYMENTS OR DELETE THE ACCOUNTS.
Product: Credit reporting or other personal consumer reports

Capitol One put me on a payment plan option to help make payments without late fees. I made 3 payments between XXXX and XXXX. They reported me as 30 days past due.
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a vehicle from the creditor, and it was later repossessed in XX/XX/XXXX. I contacted the company multiple times requesting a 1099-C form, as they indicated that they had written off the debt as a loss. However, they have not provided me with this document despite my repeated attempts to obtain XXXX XX/XX/XXXX, I formally submitted a request for rescission to the creditor. To date, the creditor has failed to respond to my request. This lack of response is noted and documented for further action, if necessary.
Product: Vehicle loan or lease

XX/XX/2022 Tracir Finance Employee called me regarding payment loan. I informed her I made car payment however she did not see it on her end. After 5 mins she found payment. Employee ask when was I making my next payment ( I informed her next week ). Employee ask for a specific day ( I informed employee I did not have a specific day ) Employee Do you want to keep your car You are considered for repo I immediately got upset and we began to argue before I hung up on employee. I called tracir to report the woman got hung up 2 times. I called 3rd time spoke with XXXX who said he will Get IT to pull the call. Still waiting to hear back
Product: Credit card

I called the Credit place to let them know that I was going to be late on payment. They added excessive amounts for late fee fees. I already had been trying to make payments on the card and they started adding excessive late fee fees.
Product: Checking or savings account

For the past 14 months I have repeatedly tried to get Respondent to reimburse the {$300.00} loan taken out of my account in XX/XX/XXXX because of their system malfunctioning. I have on record a recorded phone call between XXXX XXXX and a rep from Respondent discussing this issue and the promise given by Respondent 's rep to reimburse me and to this day has not. Since XX/XX/XXXX, I have tried to get Respondent to reimburse the money they were regularly taking out of my account without my authorization or record of the transaction and they have repeatedly refused. I have written several complaints to the CFPB, the FDIC, and this office between XX/XX/XXXX and present and have not received an explanation or compensation-in fact the illegal action of removing money from my account without my permission, knowledge, or record of the transaction have continued until the unknown date of the closing of my account. On XX/XX/XXXX a rep from Respondent opened a fraud investigation and promised an answer within 60 days. I never received an answer until on XX/XX/XXXX, I spoke to a rep of Respondents about a check I received from an insurance claim they took from me and they claimed that the fraud investigation had concluded in XXXX and I had a negative balance which is not true. Ever since I have requested on multiple times for an investigation to be done on why money was continuously being withdrawn from my account without my permission, knowledge, or record of transaction and the Respondents refused. I have on record in an XXXX spreadsheet the balance Respondents claim I had from the date of opening on XX/XX/XXXX, till present and my true balance and there is an approximately {$900.00} difference. I have tried reasoning with them and they either ignore me, make excuses, or hang up on me. They also refuse to give me the name of their process service agent nor allow me to speak with their legal team to try and resolve this outside of court. Since my account is locked and closed I can not access it to update the XXXX spreadsheet I will attach to this complaint.
Product: Debt collection

A letter dated XX/XX/XXXX from Blackwell Recovery claiming {$450.00} for their client XXXX by XXXX, I received when I returned from overseas on XX/XX/XXXX. I wrote to Blackwell on XX/XX/XXXX disputing the claim with reasons, as I had been paying directly to their client for many reasons. I also told Blackwell that my wife and I were out of the country for a prolonged period due to XXXX emergency reasons. Blackwell did not reply to me. As their letter stated that I had to respond to their letter by XX/XX/XXXX so I called them XX/XX/XXXX ; again saying that I paid XXXX on XX/XX/XXXX. I also said I shall contact XXXX to confirm any amount outstanding. 
Because of the XXXX and XXXX XXXX holidays, I was not able to contact XXXX until XX/XX/XXXX and at that time I paid {$330.00} which brought the account up to date. I notified Blackwell. 
Towards the end of XX/XX/XXXX, I received a phone call from Blackwell insisting for a payment, which I disputed and subsequently on XX/XX/XXXX phone call I paid {$130.00} to Blackwell as their collection fee and not the amount owing to WorldMark. 
Until this date Blackwell and/or XXXX did not report anything to any credit bureas. However, on XX/XX/XXXX ( one day after taking their {$130.00} ) Blackwell decided to report the collection to XXXX XXXX and XXXX. This impacted my credit file. I filed a dispute with both credit bureaus but the entry remained with Account Closed remarks. 
I then wrote to Blackwell on XX/XX/XXXX citing all of the above but to date, I have received no response. The last letter was mailed on XX/XX/XXXX via XXXX Mail and delivered to Blackwell on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

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

On XX/XX/XXXX I was subject to fraudulent charges on my Citi bank credit card account. My wallet was stolen which contained my ID, and XXXX credit cards. My other credit card company quickly rectified the situation after I reported my card stolen. I also reported to Citi that my wallet, ID, and card were stolen. However, Citibank has yet to resolve the XXXX charges totaling {$1100.00} dollars. 

The case was originally closed in XXXX after Citi spoke to the merchant without any follow up or requests for additional information to me. I formally requested that the case be re-opened and that I was further disputing the resolution. Over the last XXXX days, I have provided a variety of information requested by Citi including : Police report for the stolen wallet XXXX appointment confirmation for new license replacement New license XXXX receipt Original Citi Fraud Alert dated XX/XX/XXXX where they themselves flagged the activity as fraud Resolution notice from my other credit card company that successfully already resolved The information seems to go into a black hole, and the level of support from Citi has been very discouraging and does not appear to follow the regulations set forth in the Fair Credit Billing Act. The basis for my complaint includes the following : The total time this has been ongoing is now XXXX days which well exceeds the XXXX expectations laid out by the Fair Credit Billing Act. 
The lack of communication from the Citi phone representatives has been extremely disappointing as they dont have the latest information and have required me to repeat information every time I call in asking for updates. 
No real updates are ever provided other than that another team is looking into it, yet they have no way for me to contact the other team. 
The conduct and demeanor of the phone representatives have been accusatory and discriminatory in nature. Instead of looking out for my best interest as a XXXX year customer I feel taken advantage of and left unprotected. 
Not reopening the case despite my formal request to do so verbally and in writing. This goes against the Fair Credit Billing Act. 
They have charged me interest and late fees even though these charges are under investigation which goes against the Fair Credit Billing Act for charges under investigation. 
They have reported by account delinquent to credit agencies XXXX and XXXX which has now dropped by credit score by XXXX points. This goes against the Fair Credit Billing Act for charges under investigation.
Product: Checking or savings account

First TN trust account not allocated. 
XXXX XXXX XXXX t account not disclosed. 
XXXX XXXX XXXX XXXX accounts not disclosed Government bank accounts not disburses no payment received XXXX of XXXX XXXX check not disbursed. 
United States Treasury/State of TN-unsure
Product: Credit reporting, credit repair services, or other personal consumer reports

Some body run my credit with out my knowledge here is the date and company XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Sent me a bill offering to accept 50 % of the amount owed to XXXX XXXX XXXX XXXX XXXX XXXX service XXXX XXXX Account I do not have, nor have I ever had, a XXXX XXXX  account or any account with either XXXX XXXX XXXX, or XXXX XXXX  While XXXX debt collection may be a legitimate company, the loan itself does not exist and has never existed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items XXXX XXXX {$580.00} US DEPT ED XXXX {$6000.00} DEPTEDXXXX   XXXX $ XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Mortgage

I filed a complain against select portfolio servicing File number XXXX I received the response on XX/XX/XXXX, that select portfolio servicing found that made a mistake at charging me prepay penalty, after 3 months of calling portfolio servicing I had to make the complaint here .... as of today XXXX XX/XX/XXXX I didn't receive the refund check more than 30 days past I was Calling Select Portfolio Servicing asking for my refund and the only answer from them is in process and they will expedite my case every time when I call select portfolio servicing said the same thing, I don't understand if they made the mistake why do I need to be calling them asking for my refund... I'll looking for professional advice to proceed against select portfolio servicing. 
see attached documents.
Product: Debt collection

I have on multiple occasions contacted this company in regards to the alleged debt they are negatively reporting on my consumer credit report. I have advised I am not liable for this alleged debt and have been the victim of identity theft. This information has also been communicated with the consumer credit reporting agencies who report what this company have provided. I have asked that this account be verified by providing the forward flow agreement in addition to original contract yielding my wet signature. Neither this company or the consumer credit reporting agencies have been able to properly validate this alleged debt as belonging to me nor been able to describe the procedures used in the investigations they claim have been done. This along with the recent lawsuit filed by the CFPB against the consumer reporting agencies further support my claim in unlawful and incorrect reporting on my consumer credit report that has and continues to negatively impact my life.
Product: Checking or savings account

I received a box of checks and savings account packet from Wells Fargo way back in XX/XX/2013. Unauthorized accounts were opened in my name, as well as my minor son 's name. I drove directly to my Wells Fargo Branch and spoke with the Manager. She stated it was due to human error, and to change my passwords. The manager assured me that everything was fine. 
This past XX/XX/XXXX, I received a letter from the Administrator handling the Class Action Suit against Wells Fargo for unauthorized opened accounts, requesting additional information. I was asked to call the Wells Fargo Resolution Department and request the last four numbers  of the accounts that had been opened without my authorization. Knowing there were the two accounts, I thought the issue had been resolved back in XX/XX/2013. 
Upon calling the Resolution Department, I was initially told I had 12 unauthorized accounts opened in my name. This through me into a panic and I drove straight to my branch again. A banker put me in touch with a Resolution Team Manager and while looking over the paperwork that the banker provide me, I was able to see a male name printed on a statement who felt it was justified to access my personal information as well as my sons. I asked if the male individual was still employed with Wells Fargo, and with much hesitation, he stated that the male was currently employed with Wells Fargo and works in the Mortgage and Refinancing Department. This truly disturbed me. 
I am XXXX years old and I suffer from a XXXX XXXX/XXXX XXXX. I am a victim of XXXX  XXXX as well as XXXX  and XXXX XXXX from my XXXX. I have attended many therapy sessions, and I am on medication for my XXXX XXXX XXXX. Receiving all of this information has been overwhelming and has devastated me. 
I spoke with the lawyer who is handling the Class Action Settlement Claim about my concerns, and he highly recommended that I file a complaint with the Arizona State General Attorney 's office as well as filing a police report against XXXX XXXX XXXX for Identity Theft and Fraud. 
I am now having difficulty leaving my home again. I am constantly looking out my front window to confirm XXXX is not there. I feel like I am being watched throughout the day and night. I am having difficulty focusing on pretty much everything in my life at this point. 
XXXX XXXX had absolutely no right to use my personal information for his own benefit. Knowing he opened unauthorized accounts so that he would reach his quotas and receive a cash incentive bonus sickens me. He knows everything about me. My address, my cellphone number, my social security number and my drivers license number. I know absolutely nothing about this individual. 
I have filed a complaint with the Arizona State General Attorney 's Office and I have filed a report with the XXXX County Sheriffs Office. The officer who assisted me recommended I should file a report with you as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called equifax on XX/XX/2022, and spoke with representative about why a financial services company couldn't access my credit report. They told me it was because of a dispute that was incorrectly reported and that my report was locked. My report was never locked by me. Also my current address is incorrect and they won't fix it even after verification of my identity. They have my old address on file only and told me to go online to change it. I can not change it on their online under my identity. My current address is on all of my credit accounts and they keep giving me the run around that they can not fix it and a lender will not lend to me for a home until it's fixed. My current address that should be on file is XXXX XXXX XXXX XXXX, PA XXXX. Upon further investigation it seems this happens to alot of people and now is happening to me. I don't know what else to do because I can't get anywhere with Equifax.
Product: Credit reporting or other personal consumer reports

Credit bureau did nothing to address my dispute below. 

Please remove the following items from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This personal information is incorrect, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX XXXX, XXXX, GA XXXX This personal information is incorrect, please remove it from my credit report immediately. 
XXXX. This name XXXX XXXX is incorrect please remove it from my credit report immediately. 

INACCURATE REPORTING XXXX. XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX. XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX XXXX XXXXXXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX XXXX XXXXXXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX XXXX IN, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 

XXXX XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX, XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX, XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX This inquiry was not authorized, please remove it from my credit report immediately.
Product: Debt collection

I have not ever done any business with this company and dont have any business with them.Ive asked that if they find me error that they send me a contract bearing my wet signature. This company is in violation of the fair credit reporting act. I want them to stop reporting negatively on my credit report.
Product: Checking or savings account

On XX/XX/2021. My XXXX account was hacked the person changed my password and email and I no longer had access to my account they were posing as me posting scams that they were giving money away for XXXX. I XXXX  the phone number for XXXX help I called the number and thought I was speaking with XXXX they had me install an app called XXXX on my phone and home computer they said they had to secure my account because I had purchased items on marketplace so they said I had to log in my bank account and they XXXX money out of my account. XXXX XXXX XXXX XXXX and took out a standby loan for XXXX. They said they would call the next day with my new password for XXXX when I realized what had happened I called the bank. I filed a police report. And these people sent text messages posing as they were XXXX saying kindly call them if I wanted my XXXX back I have the text messages. I dont know what more they would need. As these people clearly stated they took my money. I am a single mother and live by a budget that was all my money I dont have rent money now and I dont know what Im going to do. I have never XXXX any large amounts of money ever .I have been a Huntington customer for quite sometime they can see my account and transactions.