23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint is to XXXX XXXX the agent of AmSher this is a official notice Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with XXXX XXXX XXXX XXXX in regard to the referenced deb . Please delete this account XXXX XXXX from your database.Please cease/desist using the name XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX this is a trademarkname and LLC. We are not sure how or why you have this account and protected name in your office. We would like to end any assumed business relationship that may have been confused for any contracts for business. We failed to find any contract for business between AMSHER COLLECTION SERVICES , INC AND XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Most of problem like many others is with Experian, XXXX. Yes have racked up credit debt. XXXX went after me using their credit. They gave a {$10000.00} limit when first signed up. So started using it. 
Also it's Experian a big problem reporting amount I had used. Who's to say we have monies saved up. Experian and XXXX crossed the line.They have so many documents you would have to be a lawyer to keep up. We already paid down {$1000.00} to XXXX as well as {$100.00} recent payment. They dropped my usage down to {$2900.00} from {$10000.00} I'm citing XXXX with bad policies holding credit against its customers Also Experian for dropping my scores no doubt to get into their high credit interest cards. 
Companies like these should be closed. I'm pretty sure Experian must get a cut behind closed doors. Never use info against consumers. Especially paying on time. I think they try to lower scores for their own benefits. I didn't misunderstand a thing if they should try the consumers XXXX ploy. 
Thank You
Product: Checking or savings account

I have a XXXX checking account w/ American Express National Bank XXXX We contacted them on XX/XX/XXXX to resolve a fraud related issue. 

I was reviewing our XXXX  account transactions, and noticed an XXXX transaction that was not approved ( {$16.00} Audible charge ). We spoke with an AMEX rep that informed us our business debit card had been used to perform the transaction, would temporarily assist us by restricting the card, and ask the Fraud Dept to follow-up with us. We were not informed that our account would be restricted. 

The following day, I received a follow-up call from the fraud dept who left a XXXX with a reference number. I followed up with them on a Friday XX/XX/XXXX, but it was a holiday, so I was informed the fraud Dept was out and to call back on Saturday. I obliged but made it known that no one had ( XXXX ) communicated the hours of operation for the department and ( XXXX ) that our whole account was restricted leaving us in the dark regarding any pending business transactions ( this was not clearly communicated to us by the rep ) I called on Saturday XX/XX/XXXX, was transferred to the Fraud Department again and was informed that whomever was in charge of our issue was not in and we would have to call back during the week. 

This inability of American Express National Bank to appropriately address a common account issue ( i.e. debit card fraud ) is damaging to a small business, especially when it results in the restriction of their WHOLE ACCOUNT.
Product: Mortgage

We fell behind on our mortgage. Our loan went through XXXX different companies all of which were unwilling or unable to help including XXXX XXXX XXXX. We arrived with Selene Finance. We have been working out a modification program and waited for 3 months for them to get a program together including them having to resubmit the request to the underwriters due to the fact that they wanted to add the amount we fell behind on the end as a balloon payment which is illegal in my state. When they finally sent the modification program they demanded us to put down XXXX in about 3 days after we got the contract by regular mail. Then they wanted our first payment 6 days after that. When I was told by the gentleman who was working our loan they would not require the down payment ( XXXX ) right away and the first payment on the loan would not be due until the month after the down payment was due. I called my worker many times and to get him to call back had to call two or three times a month for the same question. Now I am due my first payment after they fixed my paperwork to make the first payment due XXXX/XXXX/XXXX instead of XXXX/XXXX/XXXX and they have not called me back to tell me how to send my funds. I also received a letter stating they had not received my contract but had received my XXXX down payment and I had emailed it. In with the letter is a letter to another loan that is due their paperwork and I had to call the company for them to send out a new letter to the other customer. Their down payment was also considerably less then ours. This company has horrible practices. Also XXXX XXXX XXXX refused to help AT ALL!
Product: Mortgage

XXXX transferred my mortgage account to Seterus ( Servicer ) a few years ago and Seterus and XXXX have continued to report inaccurate information ( Delinquency ) to the XXXX major credit reporting agency. Seterus has insisted that my last late payment was in XX/XX/XXXX and that information is not correct. My last payment was made to XXXX back in XX/XX/XXXX while trying to work out a modification plan with XXXX that eventually did no work out. I will submit copies of my personal checks of my last 4 payment that were drawn through my routing number and clearly shows the date/time of my last payment to XXXX. Can you please pass the correct information to Seterus/XXXX so that in turn they can report accurate information to all XXXX credit reporting agencies. It has been over 7 years since my last payment to Seterus/XXXX which makes it illegal to report a late payment over 7 years old. Thank you so much, Your attention to this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX -DATE OEPENED XX/XX/year> 2024
Product: Debt collection

I had cash out a check in this place and after XXXX Weeks i Went to cash another check but they told me i Owned the money for the past check They made me Pay and they also charge the bank I had being thru the store a few times and they told me to wait one more week this is being almost 2 months waiting
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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: Credit reporting, credit repair services, or other personal consumer reports

I have a paid off in full closed mortgage from quicken loans and they showing late payments I filed a dispute and the results came back and they added even more late payments to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : ALL IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

3 account from XXXX XXXX found in my credit report which I do not know or had business with. I file dispute with Experian and it appeared two of the accounts are deleted. One account still remains in my report and do not know the reason they keep one and delete the others. 
If two account for the same company were deleted I need to know why the third one still there? 
The company has been damaging my credit report since last year without my knowledge.
Product: Credit reporting or other personal consumer reports

There are several names listed that are not correct. Also there are several addresses listed that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I called to inquire about services. The agent was pushy and tricky on the call. I was held up for approximately 30 minutes and needed to go. He was pressuring me to agree to documents I hadn't read. I wasn't in agreement, and won't and don't agree to that. I was also charged XXXX. Then today on XX/XX/2019 I received another forceful email pressuring me to agree online. I still don't. They keep telling me on the phone that I must consent to the agreement in writing before they can or will help me.
Product: Credit card

Hello, On XX/XX/2024, I lost my physical Citi Premier credit card and discovered 3 pending fraudulent/unauthorized charges on my account : 1.XXXX XXXX XXXX XXXXXXXX ( Online Merchant ) - {$1500.00} XXXX XXXX - {$37.00} XXXX - {$6.00} On the same day XX/XX/2024, I immediately called to report my card lost and report the fraudulent charges. The old compromised card was closed and a card replacement with a new number was issued. The charges were marked for fraudulent investigation though they were pending. Officially, the fraud dispute process did not start until XX/XX/2024. Since then, I have not heard anything from Citi and the charges remain as part of my current balance with an approaching payment date to pay the amount. No temporary credit was issued. I understand that Citi bank has told me that I do not have to pay these reportedly fraudulent transactions while the investigation is happening. However, it is not fair to have these charges on my balance WITHOUT a temporary security credit. The reasons are as follows : 1. The fraudulent charges are marked under investigation but still account as part of my statement balance and an approaching payment date of XXXX XXXX XXXX  is when the balance is needed to be paid. This has the negative conseqeuence of having big balance and high utilization ratio reported to the credit bureau since they are not aware these charges are under investigation. As such, my credit score is negatively impacted for the time being. 

XXXX. Given that these fraudulent charges are still part of my card balance, it counts against the total allocated credit limit I can use. Again, I'm being penalized for acts of fraud. 

XXXX. I have never seen such a degree of negligence by a bank in my whole life. Any other bank would have issued a temporary credit while the charge is investigated. ALSO, any other bank I have used, would have verified these transactions much more thoroughly and prevented the fraud attack in the first place. Interestingly, I have not received a single notification of these charges from Citi despite one of them being valued at {$1500.00} at an online merchant I have never done business with. In many cases and given the characteristics of the transaction ( Online/large amount/new merchant ), the bank will always verify with a second factor authentication. However, Citi DID NOT attempt this and instantly approved the fraudulent transaction. This demonstrates negligence from Citi side to protect their customers. 

The Citi fraud team has been not cooperative in any attempts to listen and answer my concerns despite NUMEROUS call attempts and false reassurances.
Product: Debt collection

I received a letter from a debt collector for a loan I did not take out. I called XXXX XXXX and they told me the funds were not distributed however I have XXXX on my credit report. I was not aware until I started receiving letters and texts from the debt recovery solutions. I filed a police report on XX/XX/year> online with XXXX XXXX ( tracking number is XXXX ) however have not been contacted. I have disputed with transunion and XXXX and froze my credit.
Product: Checking or savings account

My father XXXX XXXX XXXX. Wells Fargo charged off his accounts with fees despite being notified that same month. Now they are saying they wrote them off as a loss. So he owes nothing but there should be a refund. It is n't about the money at this point, it is about the fact of the matter that any docs signed to open the account were null and void. No fees should have been charged after XXXX notification, nor should anything have been charged off
Product: Credit reporting, credit repair services, or other personal consumer reports

BestEgg erroneously reported a paid-off personal loan on my credit report on XX/XX/XXXX. The loan was paid off in XX/XX/XXXX and they reported it as overdue with a current balance of {$3600.00}. My credit score was affected and went down by about XXXX points because of this! I have contacted them and they said they would investigate in the next 30 days. That is unacceptable!
Product: Credit reporting or other personal consumer reports

I wrote a complaint to Equifax credit bureau on XX/XX/XXXX stating that there are unauthorized hard inquiries reporting on my credit file, they claim to be verified by the company reporting it. They have not provided me with any documents bearing my signature verifying that I authorized them to pull my credit and place a hard inquiry on my credit file. 

XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX on XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communication with you for the purpose of filing a complaint with the Attorney Generals office as well, should you continue in your non compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance.
Product: Mortgage

Attempt to transfer a credit mortgage to me without consent : The following issue paid and closed around XXXX at time of XXXX contract was signed by me XXXX initial opening in XXXX. Same was after around 11 years of payments was repossessed / by Greentree for missing a few payments remaining on the total sale to have the trailer, I lost my job and was unable to meet the payments and didnt have any finical recourse at the time, later greentree submitted garnishment of taxes, to the state, til the bill was paid and later sent me a statement of it having been paid in the mail, it was purchased by someone else and rented out for a number of years up til present XXXX began getting a notice from Ditech, along with a list of theft use on my credit of party 's trying to obtain mortgages using my identity without my consent. The Greentree company location was burned and this is someone with a confused issue. Any recent matters are identity theft, trying to use my credit at this location. Property does not belong to me and should not be in my name.
Product: Credit card

I had a credit card issued by XXXX Bank. I did not pay the debt and a judgment was placed on me. I paid in full the card in XX/XX/XXXX. I wrote dispute letters to the XXXX credit bureaus. XXXX deleted the judgment but the other XXXX credit bureaus did not respond. I would like this judgment deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Hard Inquiry on my credit report from XXXX XXXX XXXX XXXX XXXX. I do not know where this Hard Inquiry came from, and I did not authorize this Inquiry on my Credit report. I do not know who XXXX XXXX or XXXX XXXX XXXX is. Requesting the hard Inquiry to be removed from my Credit Report.
Product: Credit reporting or other personal consumer reports

My repeated efforts to resolve the issue of false, inaccurate, and misleading information on my consumer report have been unsuccessful. These entries have severely affected my life, causing considerable distress. I emphasize that I never authorized or agreed to have this information linked to my identity, as I have been a victim of identity theft.
Product: Checking or savings account

My son, age XXXX, used my phone to charge thousands of dollars in purchases for some game through XXXX XXXX XXXX XXXX. Hebwas not authorized to do this and the confirmations of these purchases were sent to an email address that he created and was unseen by me until I noticed the charges on both my bank statements and credit card statements going back months. I have reported these unauthorized charges to XXXX but have not received any answer.
Product: Debt collection

Repeatedly getting calls from them, had to block the multiple phone numbers that they call me from. XXXX & XXXX are they newest ones.
Product: Credit reporting or other personal consumer reports

I will never stop refilling complaint to the TRANSUNION for allowing the fraudulent accounts and for not taking corrections on my credit report despite the multiple request I sent. I have my dispute letter dated XX/XX/year>, XX/XX/year> and XXXX XXXX, alongside with this complaint is the identity theft report number XXXXThey allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Money transfer, virtual currency, or money service

I sent money from XXXX for someone online sell glove but after I sen money she did blocked me on XXXX, I called my bank wellsfargo stop the transfer but they cant
Product: Checking or savings account

Established relationship with the company in XXXX, after my spouse was already serving a XXXX  XXXX  in the state of Texas. I had NO issues reviewing any data online or via phone app. I open a credit card in XXXX and then a checking account in XXXX. Still with no issues reviewing accounts, balance making payments ; basic maintenance. I even took out renters insurance and personal property insurance for the new residence. 

Here lies the issue after moving and updating the all address in XXXX, My husband was getting a letter to the new address about a change in address. I called the number on the letter and instructed that the profile for my spouse should reflect the current XXXX address. Then with in three days I no longer had access to my accounts on web/app, when I called USAA they told me that since my call there was a record that there was difficulties between me and my spouse, the account was then restricted. 

The restriction was coming from him being charged with felony charges and was serving a sentence for said felony that I could not longer have access to review the productions on web/app. These said products are individual products with no ties to my spouse.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX - XXXX... 
XXXX XXXX XXXX - XXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.