23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was not notified of this debt. I did not receive any information on this debt. I requested information over 30days and have not received any. I do not believe I am responsible for this debt
Product: Credit reporting or other personal consumer reports

I recently reviewed my Consumer Report and noticed several late payments on an account I was never late for. The account is for XXXX XXXX XXXX and the account number is XXXX. Consumer Reporting Agencies have assumed a vital role in our financial system and have the responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account. 

Please investigate this matter immediately and provide proof with statements showing that these payments were late. If proof can't be provided I demand that these payments be updated to " On Time '' as they should be. 

Thank you for your time and attention to this matter.
Product: Student loan

I have asked the organization to provide proof they own my student loan debt. They are unresponsive and unwilling to provide proof the debt theyre emailing me about actually belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, For 3 weeks now Experian has been reporting incorrect utilization on my report. With a number thats not even possible - 337 % Utilization ( please see attached doc ). Theres no such a thing, as 337 % Utilization. It should be 25 %. XXXX and XXXX  is reporting quickly. But Experian doesnt it and it make it difficult to dispute anything
Product: Bank account or service

bank of america is refusing to disclose how many fees charged my account. 
over {$500.00} since XX/XX/2015. 

in my trying to close account they refused claiming items paid were still processing. then they ran a returned check thru twice to access yet one more feeafter knowing i was closing that account at branch
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX XXXX I entered into an agreement with OMNI XXXX XXXX  for personal loan that required an allotment to be setup for payment and bank account information submitted for backup payment. 

On XX/XX/XXXX I learned that OMNI XXXX XXXX were potentially violating the Military Lending Act by doing this. 

This is still the method that they use today and I was never notified that it was not a requirement or not allowed in accordance with 10 U.S.C. 987 ( e ) ( 6 ). Also that having my bank account information for repayment was in violation of 15 U.S.C. 1693k ( 1 ). 

My loan was finally paid off on XX/XX/XXXX and I have stopped the allotment and now feel comfortable to report their practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a credit card with chase and two credit cards with XXXX   XXXX. I recently went to apply for a loan and was surprised to hear that nothing was on my credit report. This came as a surprise to me given that I have credit cards and in the past had an auto loan. despite that my reports are blank. The only thing I can think of us is that my information is incorrect with the bank. I went over to both banks and in neither branch were they able to help me. I want to correct this and have my information reporting properly. Attached is a copy of my ID and social security.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was notified by email that a hard inquiry was made between XXXX XXXXXX/XX/2019 by XXXX XXXX XXXX XXXX GA. 

After reviewing my report it showed me that XXXX XXXX did the inquiry.I did not authorize any inquiry from XXXX XXXX. 

I did call XXXX XXXX on XX/XX/2019 and ask for information regarding the inquiry and why it was done. I was told they would call me back.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details below are unrelated to me, and I request their immediate removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I check my credit score daily and noticed it dropped 73+points overnight and showed the derogatory mark stating collections  from waypoint resource group penned XX/XX/2018 ( 1month ) {$750.00} from XXXX XXXX XXXX . To my knowledge I havent ordered or started anything knew in XXXX and also never received any mail email messages stating that I owed this. My bill online states {$0.00} amount owed and my business account shows my payments are auto drafted monthly. I do not understand what is going on with this.
Product: Credit reporting or other personal consumer reports

I am writing to address the unresolved issue regarding my previous complaint against XXXX XXXX XXXX ( CFPB Report # XXXX ). Despite their response dated XX/XX/year>, in which XXXX XXXX XXXX stated, " XXXX XXXX has made a business decision to close your account and will submit a request to the three major credit bureaus to which we furnish information to update the account status as closed, '' they have not fulfilled this commitment. 

Since their response, I have disputed the account with the XXXX major credit XXXX, XXXX, and Equifax. However, in the most recent response from XXXX on XX/XX/year>, they reported that XXXX XXXX XXXX verified the account as accurate, continuing to reflect the account as open. This inconsistency demonstrates negligence on XXXX XXXX XXXX part, as they have failed to take the corrective action they promised. 

The Fair Credit Reporting Act ( FCRA ) mandates that information reported to credit bureaus must be fair and accurate. Specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits the furnishing of information to consumer reporting agencies if the furnisher knows or has reasonable cause to believe the information is inaccurate.

15 U.S.C. 1681s-2 ( b ) : Requires furnishers to investigate disputes forwarded by credit reporting agencies and to correct or delete inaccurate information after completing their investigation. 
XXXX XXXX XXXX failure to update my account status as closed, despite their explicit promise, and the subsequent verification of inaccurate information with the credit bureaus is a direct violation of these provisions. Additionally, this negligence undermines consumer trust and highlights a disregard for fulfilling commitments made to resolve disputes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the XXXX XXXX XXXX XXXX account ( Account Number : XXXX ). The report lists a balance of {$23000.00}, balance updated on XX/XX/XXXX, original balance of {$40000.00}, paid off XXXX XXXXXXXX XXXX XXXX monthly payment, an account was opened on XX/XX/XXXX, with the last payment date of XX/XX/XXXX, terms 84 months, status open, and responsibility individual. The payment history shows 40 late payments which are incorrect. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Please investigate this account and remove the incorrect details, including the late payments. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report.
Product: Credit card or prepaid card

On XX/XX/2020 I placed an order for a XXXX 9.4 cf Freezer on Sears website for a total charge of {$450.00} and the delivery date was shown as XX/XX/2020. I thought that I would be charged for the freezer when it was delivered. After I ordered the freezer I explored the current Sears credit policy and discovered that my charge was charged immediately and I would be charged interest from the order date forward regardless of the delivery date. I called my Sears credit card company Citibank and explained that I thought that it was inappropriate or unfair to charge me, the consumer interest before I received the product. Citibank referred me back to Sears. I called Sears and was told that is their policy. A day or two before the scheduled delivery, having not heard from Sears I checked my account and discovered that Sears had changed the delivery date to XX/XX/2020 ( approximately, I do not remember the exact date, it may have been the XXXX ). A day or two before XX/XX/XXXX ( approx ), I checked my account and Sears had rescheduled again for XX/XX/2020 ( Approx ). This made me angry, because Sears had my money for over 3 months by then, had not notified me as to what was going on and still has not. On XX/XX/2020 I was in Home Depot and walked by a display of freezers and immediately bought 2 and took them home. That same day I called Sears and canceled the order for the XXXX freezer. I asked for an email to confirmation and I was told that the person I was speaking with could not provide me with one but that it would show up in my account. As of today, XX/XX/2020 I have looked on the Sears website in my account and the order still does not show canceled and I have not received any type of notice from Sears on the delivery, cancelation or status of my order. I called Citibank on XX/XX/2020 and told the person that answered that I want to file a dispute because I have not received my money back from Sears. A Sears representative had told me that it would take between 7 and 14 days ( that's the best recollection of the time ) to cancel my order and refund it back to the original form of payment that the order was paid with. I had previously checked Sears website and it showed that it would take 5 to7 business days. I was told by a Sears representative on XXXX XXXX after she challenged me on where I get the information that it would take 15 to 30 days after the order was canceled and that they sic " Sears '' were working real hard on refunding me my money! THEREFORE, THIS COMPLAINT IS AGAINST SEARS FOR DESCEPTIVE BUSINESS AND TRADE PRACTICES AND CITIBANK FOR THEIR PART IN THE WHOLE PROCESS AND I DO WANT RESTITUTION!. I realized someplace along the way that I really did need to file this complaint because if it is being done to me it is being done to untold thousands of other people. Respectfully submitted, XXXX XXXX
Product: Checking or savings account

Bank of America placed a nine day hold today, XX/XX/2020, on an XXXX XXXX XXXX check given me as deposit by my customer to purchase materials for their job I have to start Monday morning, XX/XX/2020 that I have to complete by Thursday, XX/XX/2020 so they can have their XXXX XXXX XXXX XXXX. The funds check was deposited into my business checking account at Bank of America that has been open now for 10 months, almost a year. 
My customers are teachers for the school district, earn six figure incomes, and live in an influential community in a home they just purchased for over {$600000.00}. The same home I was XXXX  to start XXXX  Monday morning. I am running a XXXX XXXX XXXX and without any business loan operate from customer check to customer check. All my customers live in higher income bracket communities and I have NEVER had any one of my customer checks denied or returned for NSF. There is absolutely no reason why Bank of America, an underhanded, crooked, horrible bank should hold my funds deposited that I need to RUN MY BUSINESS! I am going to close this business checking account and open another one at CHASE bank because I have had a lot of trouble gaining access to my own money, having had Bank of America freeze my business account many times for no reason, commiting fraud by holding onto funds deposited on many occassions and freezing my account when I needed to pull money out of the ATM to purchase gas while driving on empty. I hate this bank, Bank of America and I think they should close this bank down and tear down every last building where they sit so citizens of this country and anyone else that has an open bank account with them will not become another victim of Bank of America fraud and lies!
Product: Credit card

I had lost my credit card and XXXX and went to work. When I arrived at my residence, I had used my computer to check various credit cards to make sure everything was alright. I had learned that on my discover card there were charges that I didn't recognize amounting to {$250.00}. I called my credit card company and notified them of my lost items and charges. Discover credit card issued me a new card, however the fraud department hasn't finalized this action. 

I had learned that my wallet and phone were likely stolen, and these charges made a minor without my consent. I have since locked my XXXX to ensure that this doesn't happen moving forward.
Product: Credit reporting or other personal consumer reports

i've recently recieved a copy of my credit report and noticed several inaccuracies and unauthrorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit health.
Product: Credit reporting or other personal consumer reports

These accounts were not authorized by me and I need them closed and removed as soon as possible.
Product: Credit reporting or other personal consumer reports

Trans Union has disputed my XXXX account that initially had a XXXX balance. I have the XXXX documents i can provide that show I paid there one-time reduced settlement amount of {$730.00} XXXX XXXX if you look halfway down the page on the XXXXXXXX XXXX XXXXXXXX I was sent. Account XXXX in question is XXXX last XXXX of original account # is XXXXTrans union and XXXX are illegally reporting unfair credit reporting info violating several fair reporting credit laws. So Trans Union and XXXX should both be equally responsible for brushing this paperwork under the rug now 2 times. I have proof of the settlement paper showing pay {$730.00} and I would be cleared of any more financial obligation. The XXXX document i sent to trans union is the closing disclosure on a property that shows XXXX RECIEVED THE SETTLEMNT amount of {$730.00} on XX/XX/year> from me thru XXXX XXXX XXXX Title file XXXX for this proof of payment is file # XXXX XXXX XXXX. University title contact info is XXXX XXXX XXXX XXXX XXXX, XXXX  Tx XXXX Phone XXXX XXXXXXXX reporting the fraudulent information is c/o XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SOUTH CAROLINA XXXXXXXX XXXX XXXX XXXX XXXX is equally responsible for this illegal fraudulent reporting of XXXX percent of wrong deliberate info to hurt and defame my report and myself!!! Please Punish both agencies for deliberately trying to hurt my Credit score and report and hurt my chances of getting any credit at all!! 
Please get back to me by email when the investigation is complete. If you simply just call the title company and give this file number that closed on XX/XX/year> you will have confirmation that XXXX WAS MUTUALLY XXXX PERCENT SETTLED ON ALL SIDES. 

XXXX XXXX XXXX
Product: Student loan

I knew there would be payments, but the amount they are asking for is not possible. I 've been sent bills for anywhere from {$800.00} on the low end to {$2200.00}. This is more money than I make in one month. I 've explained this many times to many agents after waiting over 20 minutes and getting transferred to multiple people after the shake down from the first level staff. I 've hung up in tears more times than I care to admit. They suggest moving in with my widower father ( in order to save on housing expenses so I can pay my loan bills ) and suggest I get more jobs in order to pay them faster. It honestly feels like I 'm dealing with loan sharks when I call them. I went part time for four years to complete my XXXX XXXX XXXX in another state at a more prestigious University and I owe about four small automobiles worth of payments because I finished my XXXX XXXX in another state that did n't have scholarships available. After graduating XXXX XXXX XXXX, I make {$10000.00} less per year than I did in the year 2000. I 'm simply not making enough to pay the lowest amounts they insist I pay, so I file forbearances and deferments for hardship but feel I could pay something reasonable ( small car payment amount? ) but they just decline to accept it so my interest continues to accrue. I feel trapped in this vicious cycle.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF DISPUTE I AM WRITING THIS LETTER TO GIVE NOTICE OF DISPUTE AND TO DENY ANY AND ALL DEBT AFFIRM XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, 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 i HAVE SENT THEM CEASE & DESIST LETTER AFTER THEY FAILED TO VALIDATE THE ALLEGED DEBT
Product: Credit reporting, credit repair services, or other personal consumer reports

Two accounts were opened in XXXX  in my name in XXXX. I have never been to XXXX. The accounts are reporting as a collection/Charge Off on my credit report.

Name of account XXXX XXXX Bank HSBC Bank ( XXXX  accounts )
Product: Mortgage

I continued to stay in contact with Wells Fargo while I was trying to sell my house to at least short sell, if possible. I informed them I came to the house every day, was maintaining the house and had personal items I was trying to get out. I had piles to go to the auction, to storage and to move. 
I was never given a first time vacancy letter. Instead, one day, I came home to a notice on my door, the back door locks were changed. My personal belongings were thrown all over the place. My tax documents were gone through and stolen. I had antiques, tools, items ready to go to auction for sale that were stolen. The place was a mess and I had a showing that afternoon for the house. 
On top of this, when I called Wells Fargo and their service who changed the locks, they told me it was n't necessary to file a police report, only to find out later it was very necessary. I was continually given a hard time on the phone with my claim. They gave me different claim numbers, they told me to file a burglary claim online but my policy number was never accepted online then they told me that residential policies could not be filed on line. I was continually re-directed. In the meantime, I had over {$2500.00} worth of stolen items, along with my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX, Account Number XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX  XXXX, Account Number XXXX has violated my rights.

15 U.S.C 1681 Section 602A. States I have a right to privacy.

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

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off account listed below. 

CAP ONE AUTO XXXX This account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C form for my tax filing.
Product: Credit reporting or other personal consumer reports

This is me really seeking a resolution my Address is incorrect. There are address thats not Mine and Im asking for a removal. 


I have listed the address below. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now you do have an accurate address showing for me. But this one is not accurate
Product: Debt collection

All of the balance is a result of someone stealing my information and using it to open the account and purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres company XXXX XXXX they are collections agency for XXXX in the amount XXXX. Thats not my account its a fraudulent account, which is obtaining different social security number and reporting on my credit.never opened a XXXX account. Also XXXX XXXX another account placed on my credit report.im victim in identity theft I have sent all three credit bureaus my proof of identity, also included police reports all this fraud on all three credit bureaus.
Product: Credit card or prepaid card

Today, XX/XX/2021, I received a credit card from Citibank that I DID NOT apply for. I called XXXX numbers associated with the card, both are automated systems and want the last XXXX digits of the card to continue the call. I do not want the card and fear entering the digits will activate the account. I wish I had never received the card and have no intention of activating the card. I wish there was a way to contact a live human being at Citibank. 
In short, my complaints are : 1 ) receiving an unsolicited credit card 2 ) no direct means of contacting the issuer ( Citibank )
Product: Debt collection

Company is National Credit Systems, which is working for XXXX XXXX XXXX.I have filed a dispute. I got a signed affidavit that was also notarized stating this was not mine. It was opened by a name that is not mine and I name I have ever used. It is for an Apartment I never lived in or even know where it is. I own my house, I wouldn't get an apartment. I have filled out an XXXX dispute. I gave them my drivers license to verify signatures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a CapitalOne card account opened since XXXX ending in XXXX. Around XXXX of XXXX, the account disappears from all three credit bureaus. I contacted CapitalOne when it first occurred and I was reassured that the there was no problem and that they had reported the account on XX/XX/XXXX, like they always do. I continued to check my report for the next couple of months and the account would not report to any of the three bureaus. I called several times and was reassured that they reported it and that it " must be a mistake by the credit bureaus. '' All three? I contacted the three credit bureaus and they said that they saw no so such account and that it was CapitalOne that was wrong. I contacted Capital One and they gave me an address to their obscure " credit reporting department, '' XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX and asked me to write a letter and send copies of the reports to substantiate my claim. There is no number or email in this age of technology for this so-called " credit department, '' just very slow snail mail. I sent the letter with the required information and got a response six weeks later with a statement saying that " they are reporting and they do not see the problem in their system. '' I gave up in frustration. Fast forward to the present and I have been back and forth again with both CapitalOne and the bureaus about this issue which is now negatively impacting my score by not showing a positive account with a good history and was told again to contact the same secretive obscure " credit department '' to try and solve the issue. Frankly, I don't believe that they will handle my request in good faith and that is why I am submitting this complaint.
Product: Checking or savings account

I recently got out the hospital a week ago and received a letter in the mail stating that I owe a ledger balance of {$520.00}. They let a company name XXXX make over XXXX withdrawals out of my account that I had no money in unauthorized transactions. So they charged me an overdraft fee for each unauthorized payment I called PNC to tell them previously that the account was doing this and that those were unauthorized charges the XXXX time and they let the same company do it repeatedly over again after I resolved the problem. I also call them to tell them that I was in the hospital almost the entire month and that I previously Had a tornado that hit my area in XXXX they reply that the account was closed and that no one could help me with my Close account with obvious fraudulent charges. I need help to anyone who can help me because this will destroy my business before I can even get it started well.