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

I have an XXXX account showing that they keep sending other collection companies to collect as well as them. I explained since 2020 that my ex husband fraudulently opened this account under my name and was to be responsible for it and or removed from my credit report. They will not remove and continue to send collection notices in XXXX  names and other companies- the other company was already removed but XXXX  keeps popping up. 

I also have several credit cards that show lates when they were closed and opened with different account numbers due to lost card XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX THESE ACCOUNTS WERE PAID AND OR NEVER LATE. They were closed but forgotten during the pandemic and remained opened with annual fee or interest accruing when I closed. I asked for the recorded messages to prove my case but was never given any Information. 

My XXXX XXXX account was discussed due to the pandemic and a letter was given and corresponded with multiple representatives as I asked for loan to be worked with over time and allowing the payments to be added on the end or reduced until I was well and able to fully work. 

The only creditor that stood by their word was XXXX XXXX. 

Ive been trying to rebuild since my divorce and the pandemic and the creditors are from another country, so not listen to requests or provide proof of recorded discussions or signed paperwork. 

I am also unable to find out why my checking account record is showing negative when accounts were closed and paid with proof when I was going through my XXXX XXXX XXXXXXXX sealed record divorce. I did provide the settlement. Agreement for the accounts he was responsible for but was overlooked and didnt care. 

I am rebuilding and trying to buy a house and start a business and its necessary for my credit report to be accurate and not have a low/ poor score due to companies not reporting correctly. 

Please help review all- Equifax XXXX XXXX XXXX and XXXX. If you view my entire history you will see my history. 

Thanks XXXX XXXX
Product: Checking or savings account

I was discriminated against the very first day I opened up my account inside the branch. They admitted to said discrimination but did nothing about it to satisfy me. And I saw a small fee was deducted out the blue and no record as to why it was taken out. Due to it, I don't even feel comfortable or appreciated enough using my account anymore. Please help me get compensated for the wrongdoing they already admitted to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX | XX/XX/year> Account # XXXX {$1400.00} XXXX XXXX XXXX Account # XXXX XXXX There is information that on my consumer report that is a result of identity theft 15 U.S Code 1681 c-2 - Block Of Information Resulting From Identity Theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not begin made in error ; nor is my request to block begin made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. without my explicit permission, thereby breaching the confidentiality and trust that should be upheld in our business relationship. Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I demand that you cease and desist from further disclosing my personal information without my consent. Furthermore, I hold your institution liable for any damages that may have resulted from this violation, including but not limited to harm to my credit report. As such, I hereby demand compensation of { {$1000.00} } for each violation and adverse effects on my creditworthiness and financial standing. Failure to rectify this matter promptly may result in further legal action to protect my rights and seek appropriate remedies.

You are required to do what I am asking and block these transactions from begin reported to my consumer report with 4 days from the date of the receipt of this notice. I look forward to your response. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached letter. On XX/XX/2023 a letter was sent to remove addresses not associated with and/or have never been associated with me. On XX/XX/2023 a second letter was mailed regarding the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please accept my official written notification that I suspect inappropriate information reporting and I'm seeking clarity to if or not the alleged information injurious to me was done so in accordance with laws and adherent to the mandatorily utilized reporting standards. Obviously, I demand elimination of claims not certifiably compliant in reporting accuracy and completion mandates and or not yet physically demonstrated of confirmed documented proof of verification and validation absent incertitudeness.
Product: Debt collection

On XX/XX/2024 I was offered a settlement of 20 % of what I owed ( that is not the same as my credit report ). I paid the {$2100.00} with XXXX  XXXX  but nothing changed, not even the amount or payment on my credit report. Now I have a judgenet against me filed 6 days later stating I owe the whole amount prior to the payment made and it claims I defaulted for failure to appear but I'm not sure what I did not appear to. I have filed a dispute with the credit bureau and the XXXX.
Product: Payday loan, title loan, or personal loan

I am not a current customer of Care Credit. I was looking into applying for a loan/line of credit with this company until I saw the outrageous APR interest and how interest can be applied. I am a citizen of Louisiana where the interest on such loans is capped at 12 %. The state Care Credit is based in caps interest at 10 % and the bank it uses, Synchrony, is capped at 12 % in its home state. Yet these companies participate in usury and go unchecked. Their practices are predatory and they should be held accountable. After reading dozens of reviews and reading Care Credit 's user agreement I opted to not apply and to report them.
Product: Debt collection

Debt was sold to a third party company without my permission. Collection agency failed to notify me. Did not find out until wage garnishment. I did not sign any contract with collection agency.
Product: Mortgage

I have a existing VA loan with this company. Since the original loan, which my husband the vet was a part of, my husband passed. I applied for an IRRRL loan on XX/XX/XXXX. The company keeps putting my name down as the vet. I was sent a generic denial of credit statement on XX/XX/XXXX. When I called Freedom Mortgage I was informed the VA denied the refinance. I called the VA and was told the Mortgage company had submitted the incorrect form. I am not listed as the surviving spouse in their database. I would need to be the surviving spouse in the event of a new mortgage but with the IRRRL I still qualified. The mortgage company should list my husband as the vet and not me. I called the Mortgage company back and the loan advisor started a new loan on XX/XX/XXXX. I have had to submit countless copies of the same forms over an over. Every time I called, a new form request popped up into my email. I have worked with over 10 people including multiple customer advocates and an escalation group to try to resolve this. Today I again received a request for the surviving spouse form. When I spoke to the VA in XXXX they stated a special certification was needed to administer VA loans and I should talk to a manager. I have tried again and again to escalate this issue within Freedom Mortgage. The people who seem to listen add a note to the file, but still the same results. No one is either looking at the notes or cares.
Product: Checking or savings account

My bank, USAA federal Savings Bank mishandled my IRS tax return. My return was filed as direct deposit through USAA Automated Clearing House. The direct deposit account was incorrect as one number was omitted making the account number 7 numbers. My account number is 8 numbers. USAA agent said the deposit would be returned to IRS as the account number did not match the name of the recipient, which is me ( IRS sends name, routing number, and account number with ACH direct deposits ). This did not happen. i talked to XXXX customer service and Membership Resolution team members for the last XXXX weeks with no results. USAA Retail Banking Operations sent three " Dispute Resolution Concluded " notices claiming they had made the deposit as instructed and said to contact the sender IRS. IRS does not agree and said the issue must be resolved by the bank, USAA. My Congressional office also agrees USAA should resolve the issue. To date contact with USAA ACH department has been attempted by email, phone, and mail with no results. USAA should have matched the deposit number with the recipient name and they did not do this. Rules concerning federal ACH deposits clearly state this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$3400.00}, XXXX XXXX XXXX Balance Owed : {$870.00}
Product: Bank account or service

I found a credit inquiry on my XXXX credit report from XXXX. After doing some checking I found out it has to do with Paypal. I do have a Paypal account but have never asked for any type of credit card or account with them. This inquiry was done completely without my knowledge and/or consent. It brought my rating down by XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NJ XXXX To Whom It May Concern : I am sending this over because there are fraudulent accounts on my credit report. These accounts are NOT mine ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of both my social and my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of permissible purposes of consumer reports, 15 USC 1681b- ( a ) ( 2 ). NO CONSENT IS IDENTITY THEFT. Please also send me an updated credit report reflecting these changes. Thank you. 

Fraudulent Accounts XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX Fraudulent Inquiries XXXX  XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Inquiry : XX/XX/XXXX XXXX/XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX Please review the attached copy of 605B of the FCRA for your recollection. Thank you Along with this letter I have sent the following : 1. FTC Claim 2. A copy of section 605B of the FCRA, that requires you to block this fraudulent information within 4 business days.

3. A picture of My license which should be enough to identify me being that you have my alleged personal information without my consent
Product: Checking or savings account

Waited over XXXX mins to close account. They want me to call or make an appointment to close account. WHY? Why must they waste my life to close a simple checking account? Put in a complaint with XXXX XXXX with B of A. She did nothing. No respect.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that I Had some inquiries that I did not authorize.
Product: Mortgage

For a company that prides themselves on customer service, the service has been very sub-par. XXXX XXXX has been the only reliable employee throughout this entire process. I started my 2nd refinance with XXXX around XX/XX/2020. My file was handed off to 2 different loan officers, both who were not communicative and very hard to reach. The only reason that I learned that my file had changed to someone else is because of me calling to follow up. The amount of time its taken to move this process along has been unacceptable. I call and leave messages with the appropriate personnel and no returned phone calls. The straw that really broke the camels back is that after 5mos of this refinance process, I had a XXXX appointment with the notary and Loan Depot still has not sent them the final docs so therefore they were not able to fulfill the XXXX appointment time with me. I even took off from work to be home on time for the notary. This is inexcusable conduct, etitquette, and service from Loan Depot and I look forward to hearing how one can find that acceptable.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 or prepaid card

We had linked our credit card to the XXXX app. Over the past ~6 months, we have been conducting some personal tansaction on XXXX that got charged to our credit card. 

What we discovered in our credit card statements is that Chase was charging an addition {$10.00} minimum transaction fee per transaction. 

We were not notified of this by Chase similar to how we would be notified of a cash withdrawal fee for transactions at certain non-Chase ATMs. 

The {$10.00} minimum fee is something we were unaware of and I would argue Chase has not provided sufficient notification of. They should be providing a notification before any transaction similar to what's done at non-Chase ATMs. I'm sure it's buried in contractual terms from Chase but that is not adequate notification. 

I also find this {$10.00} minimum transaction fee quite excessive and would characterize it as gouging their customers. What is the basis for such a high minimum? Chase needs to clarify why such a high fee is needed and how this is not taking advantage of customers.
Product: Credit card or prepaid card

I closed my Discover Card in XX/XX/XXXX. Today XX/XX/XXXX, I received a Statement alert email indicating I have a statement available. Concerned about fraud, I called discover who gave me a non answer that the card had an " internal charge '' which was reversed resulting in the statement alert. While there is no balance, I am extremely concerned the card that should be closed, and likely expired by now, can somehow still be charged, even internally. This seems like a huge security risk and I am extremely concerned about my private information contained in their database still.
Product: Debt collection

They never collected any correct information. 
All information is inaccurate at the time of being placed.
Product: Credit reporting or other personal consumer reports

I've had XXXX hard inquiries that were not authorized by me on my XXXX XXXX credit score from JPMCB ( Chase Bank ) on the following dates : XX/XX/2023, XX/XX/2023, XX/XX/2023. 

I have never had any type of credit card or account through Chase Bank, nor have I applied for any new credit cards through Chase. These inquiries were never authorized by me.
Product: Debt collection

Receive calls multiple times a day from XXXX, XXXX XXXX. It is as recording saying I owe money and to stay on the line. I have never owed money anywhere. This is harassment for something I do not owe. Could be a scam trying to collect money.
Product: Debt collection

A person contacted me from XXXX, named XXXX XXXX, saying that I owed a debt to US Bank for {$350.00} from 1998 but with interest it is now {$760.00}. I do not remember this debt but did file bankruptcy in 1998 so if I did have it, it was discharged. They continue to call me and threaten to keep calling until I pay them. They have been harassing me at my work phone number.
Product: Checking or savings account

On XX/XX/XXXX I received two deposits in my Wells Fargo checking account, one for XXXX dollars for " CREDIT FOR FEES ASSESSED IN ERROR '' and one for XXXX cents for " PAYMENT FOR TIME WITHOUT FUNDS OWED YOU ''. At no point did Wells Fargo notify me about anything regarding these charges, not via mail, not via phone, not via email, not even via their online message system. I called and spent an hour on the phone, finally reaching their remediation team, who told me that Wells Fargo had conducted an internal review of all their transactions between XX/XX/XXXX and XX/XX/XXXX and that an error was discovered which caused them to credit my account. They could not tell me how much of my money was affected, the nature of the error that caused me to lose funds, how long my money was gone, why this error occurred, or why I wasn't notified. I asked those specific questions multiple times. Wells Fargo messed up my money, kept it for an unspecified amount of time, and then threw XXXX cents at me, hoping I wouldn't notice the issue. I want answers to my questions ; what was the error, why did the error occur, how much of my money was affected, how long was my money gone, and most importantly, WHY WASNT I NOTIFIED. If I had accidentally stolen money from a bank, it would not have ended with XXXX cents and a nonexistent apology. It's unacceptable for a bank to act this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Transunion are reporting incorrectly a collection/charge-off in the amount of {$13000.00} on the XXXX XXXX CU partial account number XXXX. ( Please see page attached from my credit report. ) First, the balance reporting is incorrect ; and Second, this account has since been sold to a third party and therefore can not be reporting on my credit report. This is a violation of the Fair Credit Reporting Act and is mandated that this be removed. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

"XX/XX/XXXX XXXX Balance : {$620.00}, XX/XX/XXXXXXXX Balance : {$0.00}, XX/XX/XXXX XXXX Balance : {$0.00}, XX/XX/XXXX XXXX Balance : {$0.00}, XXXX CREDIT XXXX Balance : {$110.00}, XX/XX/XXXX XX/XX/XXXX( Original Creditor :XX/XX/XXXX HOSPITAL ) XXXX Balance : {$570.00} " According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

In XX/XX/year>, I received an unexpected bill from XXXX XXXX XXXXXXXX XXXX XXXX for XXXX XXXX provided to my mother, XXXX XXXX, who has been under Medicaid and Medicare coverage for the past three years. Given that her primary and secondary insurances have consistently covered all her medical expenses, the sudden appearance of this bill raised significant concerns. Despite my mothers ongoing Medicaid and Medicare coverage, which should have fully covered the services in question, the bill indicated an outstanding balance of {$2500.00}. 

To resolve this discrepancy, I promptly sent a formal dispute letter on XX/XX/year>, to both XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX requesting a thorough review of her billing records and coordination with her insurance providers. To date, I have not received a response from either party. My mother, who is now in XXXX XXXX due to XXXX XXXX, is unable to manage her own affairs, and this unresolved billing issue has added unnecessary stress during an already difficult time. I am seeking the Consumer Financial Protection Bureaus assistance to ensure that this matter is investigated and resolved fairly and promptly. 

Since receiving the bill, I have found it increasingly difficult to locate any legitimate information about XXXX XXXX XXXXXXXX XXXX XXXX  There appear to be similar entities with the name XXXX XXXX XXXX of [ State Name ] in various states, which adds to the confusion and raises concerns about the authenticity of this debt. It seems that Wakefield Associates and XXXX XXXX XXXX, the debt XXXXollectors involved, may be engaging in predatory practices by attempting to collect a debt that I firmly believe is not owed. This situation has caused significant distress, and I am seeking the Consumer Financial Protection Bureaus assistance in investigating these companies and ensuring that this matter is handled with the scrutiny it deserves. 

Importantly, I should note that each time I received a bill from them over the years, I immediately contacted them by phone and was assured they were working with out with insurance. As you can see from the attachments. The did work out most of it and now are trying to squeeze someone with no assets for $ XXXX she doesn't have right before her death.