23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Discover Card is showing they have loaned money to me on two separate accounts. When I confront them about proof they loan money from their own funds, they can not answer questions. Ive sent them questions, waiting for someone with first hand knowledge to answer. Unfortunately I assume they do not have the answer or they are hiding information from me. These question would assure a few different points. One, Discover card made a legal loan from their own fund and they are untitled to collect. Two, when making this alleged loan they complied with the Truth and Lending Act. Three, it would show the real ledgers of the account for proof of what happen in the back ground of this alleged loan.
Product: Debt collection

On XX/XX/year> I received a XXXX XXXX  by XXXX from One Main Financial group LLC. Upon opening the civil summons the name on the summons belongs to someone else ( XXXX XXXX XXXX XXXX not XXXX XXXX a summons that was taken out in XXXX XXXX and I live in XXXX XXXX and I dont owe them {$6200.00}. I feel that this is a violation I shouldnt have this customer information and not sure if this customer has my information but this is completely unacceptable.
Product: Mortgage

Rushmore ( the mortgage servicer ) reported a {$12000.00} reinstatement amount to XXXX  with a good-through date of XX/XX/XXXX. XXXX approved and paid that amount. XXXX also approved XXXX  months of forward mortgage payments from XXXX to XXXX. If those calculations were correct, I would not have had to start making monthly payments again until XX/XX/XXXX. 

Unfortunately, Rushmore is now saying that it made a mistake in its calculation and that the {$12000.00} only covered my account through the end of XX/XX/XXXX. Therefore, according to Rushmore, I have to make a payment on XX/XX/XXXX, as opposed to the date that I had expected ( XX/XX/XXXX ). This is an important distinction for me because I had multiple surgeries this year and am just getting back to work. The extra month is critical to allow me to get back on my feet and start making payments. 

XXXX  has already informed Rushmore that Rushmore can remedy its error. It simply needs to request a " shortage payment '' from XXXX. After receiving this request, XXXX would provide Rushmore with an additional monthly mortgage payment to be applied to my account.

But Rushmore has failed to make this simple request of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report an account with inaccurate information which is unlawful. I have tried to get this account removed on numerous occassions with photo evidence to prove my complaint is legit. Equifax has refused to do a proper investigation into this account which has caused me and my family to be denied credit or not apply do to this incorrect account. The CFPB continues to allow this credit bureau to cause harm to my credit report which affects the enjoyment of life for me and my loved ones. This bureau needs to be held accountable for their bad business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used to be a XXXX customer. When my insurance was about to expire, I reached out to other companies for quotes. A few weeks prior to the end of insurance coverage, I purchased auto insurance from XXXX XXXX. A month later, XXXX XXXX canceled my insurance. The reason for the cancellation was due to a report from Lexis Nexis ' Clue Report. They reported that a claim was filed while I was a XXXX customer. The accident that was reported involved someone I have never heard of, in a town that I have never visited, in a car I have never owned. The policy numbers did not match. Lexis Nexis has not been cooperative in resolving this issue. XXXX states that they reported the policy numbers correctly and that XXXX XXXX has made the error. XXXX XXXX wants to take 30 days to straighten out their mistake. Meanwhile, I am without auto insurance.
Product: Debt collection

XX/XX/XXXX I noticed a drop in my credit score of XXXX points. Upon investigation I found I had an account in collections. IC Systems was reporting a {$200.00} delinquent account from XXXX XXXX I requested a copy of the bill and they did not provide it. I contacted XXXX XXXX  and they notified me they have no record of this. 

Additionally, when I had service with XXXX XXXX I lived in XXXX XXXX, FL. The date of original debt from XXXX was XX/XX/XXXX. In XX/XX/XXXX my home was destroyed by a category XXXX hurricane, my county was declared a national emergency. XXXX informed me any charges after a natural disaster in an area deemed national emergency by the federal government was not liable. 

I do not have a contract with IC Systems. I demand they remove this report from my credit on all XXXX bureaus.
Product: Prepaid card

I received a gift card for {$400.00} and was able to use about {$300.00} of it at a resort area on XX/XX/XXXX. There is now {$68.00} left on the card on XX/XX/XXXX and it is declining despite the company saying that there is still money and it is still active. It declines on XXXX, it declines on XXXX, it declines at XXXX and XXXX, the remainder on the card is simply not accessible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, For the past two years or so, I have been going back and fourth with XXXX because they refused to remove two negative accounts on my credit report. The accounts are showing charged off. I spoke to both credit card companies and they told me it's up to the credit bureau to remove the accounts. My mother just passed on XX/XX/2018. I do not have a job at the moment. The credit card companies understood this because they saw I was making payments on time before the company I worked for went out of business. Since then, I have not been able to cope with this lost. After that, it was unfortunate events after another. These accounts are not only a weight over my shoulders but these are blocking me from moving forward or even have a new start. Keeping this on my credit report is some sort of punishment. I have been punish enough so please help me get these solve. 

According to the fair credit act, the statute of litigation on debt in XXXX is 3 yrs. and 5 yrs in XXXX. These two accounts are too old to be on my credit report. They are going with the statute of litigation in XXXX. However, I didn't have a verbal agreement with any company in XXXX. The verbal agreements I had was with two companies one located in XXXX and the other in XXXX. On top of that, there so many errors that they refused to fix. XXXX had different stories every time I called them. A month and half ago I called them because they sent me a letter stated the accounts were deleted. I looked at my accounts and it was still showing. The agent I spoke to, she told me she wasn't able to see the accounts on her end. But I was able to see them on my end. I have proof of the letter they sent me stated the account was deleted. They continues to lie every time I called. Please help me with this matter. Thank you! 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Capital One account ending in XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an 766 open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I LOOKED AT MY LATEST REPORT AND NOTICED A FRAUD ACCOUNT LISTED ON MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is a charge off which means the balance is reporting incorrect. I have tried to dispute but it came back verified.
Product: Credit reporting or other personal consumer reports

An unauthorized inquiry I received on my credit report that I did not authorize. That is fraudulent activity. 

Prosper  XXXX - XX/XX/XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I was able to use venmo for all my transfers and payments until last week when they blocked me from using venmo without a reason. Last time I was able to pay was on XX/XX/2020. Never received a communication from Venmo. Customer service doesn't know why and can't give an answer.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate blocking and deletion of fraudulent accounts and inquiries that appear on my credit report. I have been the victim of a data breach, and the following accounts and inquiries were opened or made without my authorization. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request these accounts and inquiries be blocked and deleted immediately. 
XXXX Accounts : XXXX. XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX XXXX  XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, Amount : {$XXXX} XXXX. XXXX XXXX XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, Amount : {$XXXX} XXXX. XXXX XXXX  - Account # : XXXX, XXXX  : XX/XX/XXXX, Amount : {$XXXX} XXXX XXXX XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, Amount : {$XXXX} XXXX. XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX XXXX XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, Amount : {$XXXX} XXXX. XXXX XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX XXXX - Account # : XXXX, XXXX : XX/XX/XXXX, XXXX : {$XXXXXXXX  XXXX. XXXX XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX XXXX XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, Amount : {$XXXX} XXXX. XXXX  XXXX  - Account # : XXXX, XXXX  : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX XXXX XXXX XXXXccount # : XXXX, Opened : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX XXXX XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX XXXX XXXX - Account # : XXXX, XXXX  : XX/XX/XXXX, XXXX : {$XXXX} Fraudulent Inquiries : XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  - Date :
Product: Bank account or service

The managers at the Bank of America location on XXXX XXXX XXXX XXXX XXXX, Tx XXXX verbally refused to submit a suspected abuse of elderly report despite many family members requesting it and an investigation into the practices of one of the account holders who has been forging signatures and is suspected of misapplying, misappropriating money belonging to family members.
Product: Debt collection

This company keeps trying to collect on a debt that is not mine. They send collections notices and threaten my credit. They did this before and I filed a complaint due to the fact that I have been identity theft breached through several credit reporting agency breaches and XXXX privacy breach, etc. I have the letters to prove it. I also get free credit protection and monitoring because of it. Please make them stop. The last time I unjustly paid a settlement with XXXX  XXXX for fear of bad credit. I'm not paying twice for what is not mine.
Product: Checking or savings account

On XX/XX/XXXX, two fraudulent wire transfers were taken out of my account. Someone with a fake ID posing as myself went into a Chase Bank branch in XXXX California on XXXX XXXX XXXX. The person sat down with a banker face-to-face and made two wire transfers of {$10000.00} each to two separate bank accounts ( XXXX XXXX & XXXX  XXXX XXXX ) . The branch manager also authorized the transaction. Chase now claims that even with their branch 's negligence that they are not responsible for the loss of money if the other banks do not return the funds to them. Both XXXX XXXX and XXXX  XXXX XXXX have failed to get in contact with the " owners '' of both accounts. Therefore at this time it seems very likely that I will not receive my {$20000.00} back even though it was Chase 's fault and their branch was liable for losing my money by not taking proper security precautions to protect my account. A police report was filed on XXXX XXXX.
Product: Mortgage

My mortgage payment got returned and I made a double payment the following month but they claim I still owe them money but my payment history says otherwise. They sent me an explanation but it has destroyed my credit that I worked so hard to build. I have the money to make the payment they claim I owe but I don't think it's fair the client portal shows incorrect information. If it would have been accurate I wouldn't not be in the situation and I don't think it's fair I have to pay the price for their reporting error. It took me years to build my credit up and I need it fixed.
Product: Money transfer, virtual currency, or money service

I left Bank of America after 15 years. I had {$1500.00} left in my checking 's account. They mailed me the final amount to my apartment address in XX/XX/XXXX. I have never had mail compromised or stolen at this address. In XX/XX/XXXX, I received a letter from BoA that captured check # XXXX endorsed and cashed by an unknown woman who forged my name and signed her name on the check ( " XXXX XXXX '' ). I do not know this woman nor did I give her consent to take or cash my check. The capture date was XX/XX/XXXXXXXX  meaning BoA had notice this forgery took place. I immediately contacted BoA. For the remainder of XXXX, I called every other month to check on the status of BoA refunding my money ; every person I spoke to guaranteed they would yet BoA never did. A representative recommended as a last ditch effort to submit a written fraud claim and mail it to their XXXX office. I spent {$13.00} on certified mail. I filled out the form BoA provided, including getting a notary public to notarize my affidavit of events. I submitted the letter in XX/XX/XXXXXXXX  ; BoA received it on XX/XX/XXXX. They said it would take 45 days to decide. I never heard back. On XX/XX/XXXX, I called BoA and was told my fraud claim was denied. They could not provide me a reason why or what additional information they needed to make a different decision. No one would tell me what the appeals process would be. My information was given to the investigator and told he would call me the following day. He never did. I have still not heard from BoA. I'm at a loss. I was robbed. I filed a police report. I spoke to various BoA departments over the last year totaling HOURS, I followed BoA instructions, and still have not been made whole. I am at a loss for what to do next so I am submitting this complaint on XX/XX/XXXX in order for CFPB to investigate or attempt to make things right. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts reporting on my XXXX XXXX XXXX Experian credit reports. 

XXXX XXXX XXXX XXXX {$9700.00} Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXX XX/XX/XXXX {$46000.00} XXXX XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XX/XX/XXXX {$5100.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XX/XX/XXXX {$1600.00XXXX XXXX XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00XXXX XXXX XXXX XX/XX/XXXX {$9700.00} XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXXXXXX XXXX  # XXXX XX/XX/XXXX {$390.00} XXXX XXXX # XXXX XX/XX/XXXX {$2500.00} XXXX XXXX # XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX. {$46000.00} XXXX XXXX # XXXX XX/XX/XXXX. {$5100.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX {$8000.00} XXXX XXXX  # XXXX XX/XX/XXXX {$2500.00} XXXX XXXX # XXXX XX/XX/XXXX {$1700.00} XXXX XXXX  # XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX {$1600.00} Inquiry XXXX XXXX  XX/XX/XXXX
Product: Debt collection

SCA Credit Services, is trying to collect the PPO discount amount from medical bills that were paid in full. We have repeatedly sent Explanations of Benefits with the claim numbers showing that the claims were paid according to the agreed upon discount between the provider and the insurance company. 

SCA Credit Services, XXXX XXXX XXXX XXXX, XXXX, VA XXXX In regards to : XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX In looking through the documents I'm finding several different account numbers. Maybe this is adding to the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful XXXX. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Product: Debt collection

Sometime closer to the start of the year 2022 HALSTED FINANCIAL SERVICES begin trying to contact ( harass ) me about an alleged debt I have never heard or seen this company prior meaning its impossible for me to have a contract or any debts owed to them on XX/XX/2022 I mailed a CEASE AND DESIST letter out that I will also copy and paste here in this complaint and the letter was received on XX/XX/2022 via certified mail and no action or remedy was taken by the company on my behalf in fact they continue to send false letters with alleged debts on them below is the letter that was mailed and received : Cease and Desist Pursuant to 15 USC 1692a ( 3 ) I am the consumer Pursuant to 15 USC 1692c ( c ), I am notifying you, HALSTED FINANCIAL SERVICES, in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums, Pursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor, and I am demanding all of the following : 1. XXXX out the balance on this account. 

2. I do not give HALSTED FINANCIAL SERVICES, permission to bring legal action against I, the consumer, as this would be a violation of 15 USC 1692i ( b ).

3. I do require you, HALSTED FINANCIAL SERVICES, to immediately remove information about this alleged debt from my XXXX, XXXX, and XXXX credit report which is a violation of 15 USC 1692c ( b ) and 15 USC 1692b ( 2 ).

4. I do require that you, HALSTED FINANCIAL SERVICES, satisfy demands within 14business days. Pursuant to 15 USC 1692c ( c ), this cease and desist notification shall be complete upon receipt.

5.7. Pursuant to 18 USC 8 all debt is the obligation of the United States of America I declare under penalty of perjury under the laws of the United Stat
es of America that the foregoing is true and correct. ( 28 U.S.C. 1746 ) Executed on XX/XX/2022 Without Prejudice By : XXXX XXXX XXXX XXXX XXXX. for XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX a man came to my home saying he was with the government and I owed over {$2000.00} to my doctor. I was never aware of any debt until he came to my door and threatened to seize my property and my vehicle. He made verbal threats against my credit and my property saying it could all be taken if I didnt pay this amount. I do not make enough money to cover and the doctor has not once told me I owed them money or attempted to contact me about any debt until it reached the point someone came to my house. I am XXXX  I have XXXX XXXX XXXX  so I was going to the doctor frequently never aware that they said my insurance wasnt being used. They racked up my bill to thousands of dollars then called me multiple times during the night and day, constantly calling me for days on end and i had no knowledge of any debt until they came to my door.
Product: Debt collection

I am disputing this due to inaccurate balance and also false information printed on the papers I received I have proof of XXXX payment and the papers say I owed XXXX and asked to have payments combined in which I did not. I asked for an extra week to pay off the last payment and was told I would have to start my settlement over. Now I am receiving papers saying the account balance is XXXX when I have already made 3 payments of XXXX therefore I have paid the balance already. Your papers say I only paid two payments but my account statement proves you took 3 of XXXX therefore the information is inaccurate. Wells Fargo also put the balance of XXXX on my credit and now took it back off and out XXXX on my credit when papers say the debt owed is XXXX therefore that is also false information I wish for this entire debt to either be fixed or removed from my credit due yo inaccurate reporting and falsifying information on ones credit. To continue to change their reporting amount over and over is fraud. The car was sold after repossession and they have received their money back already.
Product: Credit reporting or other personal consumer reports

The late payment in question is reported by [ experian ) for the period of [ XX/XX/year> of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 

XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX - XXXX INQUIRIES : XXXX XXXX  - XX/XX/year>