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

XXXX XXXX XXXX is listed on my consumer report as a charge off, date opened XX/XX/XXXX. I contacted XXXX, TransUnion, & XXXX  on XX/XX/XXXX requesting physical verification in accordance with the Fair Credit Reporting Act. All ( 3 ) credit bureaus responded by updating this account as " verified. '' No evidence to back the claim. I contacted the bureaus againrequesting a copy of the signed agreement between myself and XXXX pursuant to the Fair Debt Collection Practices Act. They all responded by updating the account status again to " verified. '' Not only is this account inaccurate and negatively impacting my finances but it is also OUTDATED. This account has been towering over my credit report for the last 9 years. XXXX  reports my first date of delinquency as XX/XX/XXXX -- false, please provide a receipt for XX/XX/XXXX 's payment if this claim is to be true. TransUnion and XXXX  have no payment history, so how are they calculating the first date of delinquency? How do they know when this item should be removed? They do not know and do not care, which is why this account has been sitting on my credit report since XX/XX/XXXX. Generally speaking, accounts are several months past due before being sent to collections. Even if TransUnion & XXXX  were to " estimate '' a date of delinquency it would still place us in XXXX and it is now XXXX. This account needs to be removed immediately.
Product: Credit card or prepaid card

Charges were made to my credit card account ending in XXXX that were not incurred by me. 
I have tried phone calls and a personal letter to the Citibank Security Center with no results. It has now been more than 30 days. It is obvious this charge : XXXX XXXX XXXX CA {$90.00} on XX/XX/2021 should have been to an account ending in XXXX. ( Their own document ). 

It is also obvious this charge : ( charged to my account ) XXXX XXXX XXXX CA {$49.00} on XX/XX/2021 should also be made to the same account ending in XXXX. 

The two charges were made the same day, XX/XX/XXXX by the same person. 
How did my card information get involved? I am an Indiana resident and my card has never left my wallet.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 U.S.C 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

15 U.S.C 1692 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Checking or savings account

My name is XXXX XXXX and I went into Wells Fargo on XXXX XXXX to deposit a check. I had my debit card on hand and I have an account in good standing for the last 1012 years. I walk to the teller And presented my check she looked at the check and asked me did I file my taxes myself. She then went and got a manager and the manager then went with her to go verify the check which is reasonable after 20 minutes they came back they came Back and proceeded to tell me that my check was likely fraudulent and they had to do more verification. I told them thats what the deposit hold Time is for. The two ladies went and gathered another lady and they stayed at the computer another 30 minutes or so Looking over this check. The manager proceeded to come over and asked me did I have any papers saying that this check was valid and I told her no because it was a federal check and they dont come with paper attached. she then proceeded to go back to the computer flipping the check over holding it up to the light trying to verified Ive had an account with Wells Fargo for the last 12 years she knew who I was and my account is in good standing, and I had my debit card in the process of verification that was unnecessary. She then proceeded to come back to me and asked me again do I have any papers validating this check which is totally embarrassing because people are watching this whole thing out as if Im not even paying or a customer I told her do you want to see my tax records shes in stated yes in the middle of the bank lobby and I had to pull up my XXXX XXXX  and show her that the IRS had tried to deposit that money several times and the account was closed because they all did my taxes and it took them about a year to get it to me and it had attached because they kept it so long, which was none of her business and I had to pull up my tax paperwork. I asked him to pull up the computer so they can see that or ordeal play out and yet they just blew me off saying that that was justified invalidating other chick and because the participants were XXXX and XXXX it couldve been discrimination and that is the last legal case states that discrimination has been validated intra race also This is my second time they told me to send a settlement demand letter, which I did and they completely denied it and sent me a letter for mediation. I dont understand how they can see that on camera otherwise validated and necessary from a paying decade long customer. Crazy thing about this entire deal is they denied that for me but when they got sued for the false accounts, they created three fake accounts in my name that I got paid for and the last class action that they had because they created fake accounts but the scrutinized paying customers as if were the criminals is ridiculous.
Product: Credit reporting

I have not owe a home sent XX/XX/XXXX. XXXX County Kansas District Court, Case # XXXX, alleged that I owe {$4800.00} for KANSAS DEPT OF REVENUE. For a tax periods XX/XX/XXXX-XX/XX/XXXX. This was file on XX/XX/XXXX.The Status is TERMINATED .The Kansas Dept of Revenue file this case ( XXXX ) on XXXX/XXXX/XXXX on TAX they say were owe for XX/XX/XXXX. This case was file five years after the tax was due. THIS CASE WAS RE-AGES.I have upload a copy of the case documents ( XXXX ) from XXXX. 
PUBLIC RECORD. EQUIFAX CREDIT REPORT DOES NOT SHOW THE TAX PERIODS XXXX. THE DATE OF 1 ST MAJOR DELINQUENCY IS SHOW XX/XX/XXXX.THIS IS INCOMPLETE AND INACCURATE INFORMATION AND RE-AGES PUBLIC RECORD. 
I DID NOT OWE A HOUSE IN XX/XX/XXXX TO HAVE A TAX WARRANT FOR XX/XX/XXXX. MY CREDIT REPORT SHOW THAT I LIVE IN XXXX XXXX YEAR. AND I DID NOT LIVE IN XXXX COUNTRY. I LIVE IN XXXX COUNTRY IN XX/XX/XXXX. CREDIT SHOW THAT.THIS CASE HAS BEEN ON MY CREDIT REPORT FOR 16 YEARS.
Product: Checking or savings account

I am refused access to my checking account online unless I agree to a Digital Services User Agreement. Such an agreement is not necessary and has never been required before. It is an intrusion and requires me to be subject to unnecessary online contact.
Product: Checking or savings account

In XX/XX/2018 I was a victim of fraud, someone across the US was able to make multiple charges that equaled {$490.00}. Bank of America said they resolved the issue and closed the investigation. However, on XX/XX/XXXX, Bank of America decided to deduct {$280.00} out of my account throwing my account into the negative claiming they double credited me in XXXX for the fraud charges and they took the money because it was theres. I was never credited twice by them. XX/XX/XXXX my bank account was again hit with a fraud scam with the scammer deposited a fraudulent check into my account as well as accessing my account. Bank of America locked my account, which I had {$260.00} available in my account, threw my account to XXXX!!!! I have been calling and telling them I want this account closed because I was not being protected and they refused to close the account. XX/XX/XXXX at XXXX my account balance was XXXX, I called and told them to close the account and the woman told me she couldnt close my account because I had a deposit pending. I explained to her that the fraud department assured me that they took care of that fraud scam. She said there was nothing noted on my account about the fraudulent check!!! Right after I got of the phone with her I look at the account balance and it went from XXXX to - {$170.00} right after the call. Im tired of them stealing my money and not protecting my account. Ive spoke with numerous people and get no help and told its my fault!!
Product: Checking or savings account

{$940.00} is still out of my account from fraud with draws. Wells Fargo sent a letter saying " I must have given permission or bank card for transactions '' I live in XXXX NV, the fraud is from Florida. 
I went to local branch, hoping to resolve, this resulted in letter stated above. I explained to phone banker, the day these changes appeared I was attending my wife 's funeral and it was impossible for me to have been in Florida or Georgia. Call escalated but I was told it was my fault I should have given someone permission to use. I have been very grief stricken since my wife died and this is not helping. I have the bank statement that clearly shows the amount and places of fraud transactions
Product: Mortgage

SPS ( Select Portfolio Servicing ) sent me a letter making claims regarding my case. The XXXX claims that they made were erroneous. The letter appears to be a threat of impending eviction.
Product: Checking or savings account

I had recently opened an account with Discover bank on XX/XX/2022. I had it for work purposes and other expenses. I get deposits of the same amount of {$240.00} of each shift I work on a daily schedule. All of a sudden I get a message that my account is going to be closed and that I have to wait 60 days to receive a check and it makes no sense to me whatsoever because I would hardly spend and I would work a lot for it to suddenly be closed. And my account was closed even before I wouldve received my card through the mail.
Product: Credit card or prepaid card

There was a 45 day late for my credit card, when Ive never been 30 days late on anything on my credit file, Im trying to buy a house and the 45 day late caused my credit to drop drastically. I really need to get this rectified and removed, especially when Ive never received anything of my account being past due
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a car from a car lot in XXXX for a used XXXX XXXX. I was paying payments for up to 8 months however within that 8 months I had to return the car to the lot on 3 different instances due to the car unexpectedly shutting off and not starting causing me to get the car towed to the lot each time. Each time they kept the car for a full month and a half with a band aid over the problem, hints the returning it 2 more times after the initial incident for the same problem. After the 3rd time I was frustrated and voiced to the car lot I wasnt happy with the car and was interested in a trade in. They refused this exchange so I stopped making payments and received a repossession to which I returned the car in XXXX. So now here it is XXXX and the company XXXX XXXX is still charging fees to my credit report about this car. The original amount of the car was {$11000.00} at the time of XX/XX/XXXX. Now its at the amount of {$20000.00} as of XX/XX/XXXX. The status on the account says closed but that isnt the case. I have reached out to the company to try to resolve this issue and they refuse to work with me. They have stated that they ended up selling the car to an auction shortly after I returned the car. So Im unclear about how they can still report fees to a closed account on a car I am no longer in possession for. This main account is a big negative effect on my credit report and Ill like to get it removed indefinitely.
Product: Credit reporting or other personal consumer reports

I have recently receive a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 

I mailed letters on XX/XX/year> for the companies to rectify these inaccuracies and they have only used stall tactics by telling me to submit info to verify my identity, but I have already done so by submitting my ID with my current address, proof of a bill with current address, and social security card with the letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX. on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Mortgage

I applied for a refinance on my loan with Nationstar mortage. I have great credit and have been paying mortgage since 2009. I applied for a refinance and they kept telling how great my credit and loan was going but they kept asking for more ridiculous stuff. They wanted to know why my empty lot didnt have insurance. I am divorced and they wanted information on properties that were my exhusbands. There are no loans on those properties. He hasnt taken my name off his properties. They called the bank that has a loan on my ex property but my name is still on it 3 times.They kept asking for the balance and whether he has late on the account for last year. I have a saving account that has other savings under it. I keep most of my money in one of those. They said they needed proof that it was a savings account and not a loan. I sent them bank statements but that isnt enough.They changed what the cost of this loan would be from XXXX to almost XXXX.. They changed the loan amount of the loan by increasing it XXXX more and they said that was the true loan amount. It was supposed to be for {$140000.00} and they made it for XXXX. I complained to the loan officer and he changed it after much discussion. I had an escrow account for taxes and insurance with them and they said they needed to add the total fees to my loan costs and they couldnt use what was in my escrow account which is for that. They said I had to pay them the cost of mortgage for month of XXXX while we completed the loan because I would miss a house payment. I told them Im paying off my old loan and the new loan will have payments on it that are required. I didnt understand why except that they wanted money from me. Usually you dont pay rent while in escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have reached out numerous times to provide proof that that this debt is mine as it is not accurate. Please see attached information sent to company reporting information on my credit report. They have failed to provide the proof that is being requested.
Product: Credit reporting or other personal consumer reports

Disputes sent in XXXX, again in XXXX and XXXX. XXXX Credit Reporting Agency failed to provide evidence to support there standing that the inquiries were " factual ". Per Fair Credit Reporting Act credit reporting agency must eliminate any associated information as they did not provide validation evidence by required time.

Credit Information is still inaccurate despite advising of unauthorized inquiries, inaccurate personal information listed and despite account history were updated to reflect no missed payments bureau failed to update account status to pays account as agreed per 15 USC 1666B ( A ) where consumer 's paying history is private and needs written consent from my end to report for XXXX XXXX XXXX
Product: Credit card or prepaid card

I spoke with this American Express on XX/XX/XXXX to cancel the credit card since i was alerted a fraudulent charge was made at XXXX XXXX, on the same date i canceled my card. I was a victim of RFID Chip reader device, i thereafter purchased RFID sleeves for all my cards in my wallet, because i was a victim of RDIF card reader, while on the XXXX XXXX to see my family. 

I filed a police report, and went to the store my self, this was not resolved despite my due diligence. XXXX XXXX, could not provide a signature for the sale or camera footage of the individual claiming their camera was off. p I worked with a detective that failed to complete the investigation. I was issued new credit cards the day this happened upon my own request, but the charge was not removed! 

Furthermore, my Mother died of XXXX during this pandemic, I alerted AMERICAN EXPRESS, of both the financial hardship and my loss, that i would make a payment as soon as possible, i have ALWAYS been in good standing since opening my accounts in XXXX. Despite my efforts to work with me, under this awful global crises, American Express breached fair debts collection acts and proceeded to harass me, both through 1 - 800 numbers, ( which i still answered and reexplained my current circumstances ) and under standard telephone numbers like XXXX. Hiding the identify of collecting debt. I pleaded to maintain the integrity of my account, until this pandemic passes- instead American Express took actions taken against me by canceling my accounts and sending me to a collections agency even though I paid as soon as I could on XXXX XXXX to get my account current!
Product: Debt collection

I initiated contact with Account Resolution Services in XX/XX/2021 to verify and validate a debt reported on my credit report. They sent a generic letter stating debt was mine. I sent written request for verification of debt and they continued to send same letter over until approximately XX/XX/2021 and then they stopped responding to my letters. In the meantime they continued to report the debt on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following personal information is incorrect EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter.
Product: Debt collection

California Business Bureau of XXXX, CA, has attempted, on numerous occasions, via their representative XXXX, to collect over {$1000.00} above the principal balance of an alleged medical collection with XXXX Hospital in exchange for deletion of this account from my credit report. The company claims they have validated this debt with statements and bills in 2010, however, I stated I do not recall this, and they have refused to send updated copies of this debt validation to my current address or remove this from my credit reports. 

California Business Bureau has attempted to extort excess money from me, the consumer, in exchange as a barter for deletion from my credit files. I believe this to be a violation of the FCRA and a very unethical practice. 

I have disputed this debt with the original creditor as well, XXXX HOSPITAL, who claims that the debt is valid based upon me recalling one of the services performed ( XXXX ), though I still dispute the dates of service in question and total amount said due. The original balance is quoted as being {$1700.00}, and CBB is requesting over {$2800.00} to close the debt and remove from my credit report. 

In addition, I have filed a complaint with the XXXX and the Attorney General in California for this company 's extremely unethical business practices. Note that XXXX, CBB Agent, stated " I 'm not supposed to do this and normally we do not do this, but will delete this for you if you pay this amount ''. The company has refused to further dispute this information, nor has accepted responsibility for the attempted bartering with their agent and non-compliance with FCRA. It is also worth noting that NEITHER THE ORIGINAL CREDITOR ( XXXX HOSPITAL ) OR THE COLLECTION AGENCY ( CALIFORNIA BUSINESS BUREAU ) HAVE COPIES OF MY DRIVER LICENSE, SIGNED DOCUMENTS BY MYSELF, or SOCIAL SECURITY CARD proving this is my debt, or that I was seen on the alleged date of service for the alleged services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my credit and a so called Aqua Finance was shown as a hard pull on XX/XX/XXXX. My husband or I are unaware of where that came from. Neither of us have bought or tried to qualify for an " aqua product ''
Product: Credit reporting or other personal consumer reports

Money Lion failed to honor my request to provide proof that I signed an application for credit or signed a contract agreement for loan. Money violated FCRA privacy act by providing my personal information to others without my consent. 

I am a victim of identity theft. A complaint has been filed with the FTC, reference # XXXX