23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I made an initial complaint against the company on XX/XX/2023. The company has said this account was forward to them when that is a complete lie, they purchased this debt, from fresno XXXX. The company has decided to note my cease and desist request, and have noted they will not communicate with me directly in the future, yet has completely ignoring my request to have this collection removed from my consumers report. The company stated that they were in contact with me when I stated I was going to take legal action against the doctor in an unrelated case, when in reality, the unrelated case in exact reason for this debt. At the time I had spoken to this company and told them I was taking legal action against this doctor the fees associated with this account were not yet deemed responsible to the doctor. After taking the doctor to court and winning, all fees associated with this XXXX are the doctors responsibilities! They should have gotten in touch with their client they purchased the debt from to collect on this debt. I have legal documentation that I plan to get from my lawyer who represented me in this case that shows these fees are obligated to the doctor who performed my XXXX. Then the company noted they decided to file a lawsuit against me because they had not heard anything from me, there was no way I could have spoken with this company because I was incarcerated.Not only do I have documentation that shows Im not obligated to this debt, I have documentation to show that this company took legal action against me while I was XXXX. There is no way this company should have been able to take me to court and get a judgment against me to force me to pay on this debt while I had no knowledge this lawsuit was even filed, and there was no way I could have properly represented myself while being XXXX This company is acting in dishonesty! There is no way CREDITORS BUREAU USA should be hiring attorney to take people to court when they are not properly noticing the people they are taking to court that they have court. what CREDITORS BUREAU USA did to me in completely ILLEGAL! I'm sure this lawyer who went to court against me lied and told the judge that I was served when I was never served. I have known nothing about this judgement up until now!
Product: Credit card or prepaid card

Consumer justice : XXXX XXXX and Case Bank On XX/XX/18 I flew XXXX XXXX to XXXX AZ to visit my Uncle who was battling XXXX. At the airport I was approached by a representative of XXXX XXXX and Case bank - promised me XXXX points if I signed up for and was approved for their XXXX XXXX Visa card. Planning for the future when I would need to return, I agreed and signed up. I was approved - then they said " oh you don't get the points now, you have to spend {$2000.00} in the next 90 days to get the points ''. So I did that. In less than 60 days even I have spent more than {$2000.00} on their card ( for qualified purchases even ). As of XX/XX/2018 I have spent {$2000.00} Now they say " oh no you can't have the bonus NOW. You have to wait till the end of the billing cycle - which is XX/XX/XXXX. And even then it could take 6-8 weeks for the points to transfer.

My Uncle passed XX/XX/18 - the memorial will be XX/XX/18 I only signed up for the card so I could go back for the funeral. 
I talked for 6 hours to Chase ( Customer service Reps : XXXX and XXXX and Supervisors XXXX, XXXX and XXXX ) and XXXX XXXX ( CSR XXXX ). And while they assure me they are sorry for my loss - they will not honor the original agreement. They promised me XXXX travel points as a bonus for signing up. I did my part. They won't find or even look for another way to accomplish the same goal. 
All I have gotten are excuses and policy quotes. 

The will not accept responsibility for their representative and honor our agreement ( XXXX point for singing up and getting approved ) - even though I went beyond and met their " Extra '' requirement of spending.

I even found another version of the same program with lower conditions ( XXXX instead of XXXX reward points for spending {$1000.00} vs $ XXXX ). I did that within the first billing cycle. So they could just change me to the lower program and I would have met all the requirements and they could get me to XXXX. 

There is no help from either company. I can not afford {$700.00} in plane fare. 
The initial promise from the man who signed my up constitutes fraud - Why can people not just own up to their responsibility and do what they say? I don't care I just want to go to my Uncles funeral. 

Can you do anything to help get me to XXXX? The funeral is XX/XX/XXXX. 
Thank you in advance, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account erroneously added to my credit profile. This account is owned by an XXXX XXXX XXXX XXXX and not owned by natural person and not my personal account. Please remove this erroneous entry XXXX XXXX from my credit profile. I will bring suit and litigate for this erroneous reporting.
Product: Checking or savings account

On XX/XX/XXXX, I booked on XXXX XXXX. Within 10 minutes I requested cancellation of the trip. The Host has on their property listing that they offer 100 % cancellation. By Saturday, still no response. I called the host number that was given to me by XXXX. The phone just rings and then goes into a voicemail that says its never been set up. I have also called XXXX and have had numerous chats with them. They have also tried to reach out to this host to cancel and get my refund back. I have documentation on the cancellation policy, the calls to the host and XXXX and the chats. XXXX says they cant do anything until the host accepts my cancellation! I keep getting the runaround! I think that since this host is not responding to anyone that this is a fraudulent/scam host. I have taken this to my bank to reverse. I need help with this desperately. Thank you so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Agency reported inaccurate information regarding an XXXX XXXX 30 day late XX/XX/2017 2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your assistance in removing some of the fraudulently obtained information from my credit report, however there is still information that has been forwarded to me that has to be deleted or blocked. According to FCRA section 605, credit bureaus must delete any records that were listed on an ID THEFT REPORT. I'm including this report again because I foresaw it in an earlier letter. My lawyer is eager to hold you accountable for your tenacious rebelliousness after I informed them of my intentions. 

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

Inquirer Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Have no knowledge of this company Inquirer Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Pulled my credit then would not return a call back as well as pulled my credit after another applicants application was already approved for the leasing. 

Inquirer Name XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XX/XX/XXXX Why was credit pulled twice within 2 days? 

Inquirer Name XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX No knowledge of applying for credit on XX/XX/XXXX Inquirer Name XXXX Inquiry Date XX/XX/XXXX No knowledge of this company or consenting to pull my credit Inquirer Name XXXX Inquiry Date XX/XX/XXXX No knowledge of this company or consenting to pull my credit Inquirer Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX No knowledge of this company or consenting to pull my credit Inquirer Name XXXX XXXX Inquiry Date XX/XX/XXXX and XX/XX/XXXX No knowledge of this company or consenting to pull my credit Inquirer Name XXXX XXXX XXXX/XXXX Inquiry Date XX/XX/XXXX Already had loan with company and they would not work out alternate payment arrangements during a financial hardship period Inquirer Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Why did XXXX pull my report several times? 

Inquirer Name XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Why did XXXX pull my report several times? 

Inquirer Name XXXX Inquiry Date XX/XX/XXXX Paid off this loan, why pull my credit after loan was paid off? 

Inquirer Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XX/XX/XXXX No knowledge of this company or giving them permission Inquirer Name XXXX Inquiry Date XX/XX/XXXX No knowledge of giving permission to pull credit Inquirer Name XXXX Inquiry Date XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Why pull it all those times when I already had credit with the company? 

Inquirer Name XXXX/XXXX Inquiry Date XX/XX/XXXX No knowledge of giving permission to pull credit
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau XXXX EQUIFAX Account Type : Credit Card I am writing to you under my rights according to the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information on my credit report related to the account I hold with [ creditor name, e.g.XXXX XXXX XXXX XXXX XXXX, which has been marked as a " charge-off. '' After reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( XXXX, XXXX, and Equifax ) : 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 XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported as " Charged off, '' additionally noting that the balance was " reported as a loss by the creditor. '' Furthermore, according to the XXXX report, the account was closed due to inactivity, which is a significant discrepancy compared to the other bureaus that do not mention inactivity as the reason for closure. This inconsistency between the credit bureaus impacts my right to have my information reported accurately and fairly as stipulated by the FCRA under 15 U.S.C. 1681e ( b ), which mandates that credit bureaus maintain maximum accuracy in the information reported.

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information regarding credit obligations and payment history, which is not being reflected in this case due to inconsistencies between the different credit bureaus.

I request that, in accordance with the FCRA and TILA, you investigate this dispute and promptly remove the inaccurate information and the charge-off from my credit report, as the discrepancies and errors demonstrate the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible. 

I have attached copies of my credit report highlighting the discrepancies and the inaccurate information. 

Thank you for your prompt attention to this matter. I look forward to your quick response.Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax let someone hack into their system and steal my id and they wont remove it after showing them the po report
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I am in the process of applying for a mortgage and I paid my account in full. I need this account to report a XXXX balance to the credit bureaus ASAP so that my credit score goes up in time to get approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1400.00}
Product: Prepaid card

Received unsolicited pre-paid debit card. 

When I attempted to contact customer service the phone tree was always looping back to account activation where they requested DOB and SSN. There was no possible way to talk to a customer representative.
Product: Debt collection

Hi viewed my business profile and a fraudulent account listed on business credit report. Ive already disputed with the company. Originally it was on my personal credit file under time payment systems ... I proved fraud it was removed. Then it popped back up under another creditor which I again had removed and provided police report. Now this company has added the fraud to my business credit file. I have no knowledge of this company also I have never asked for business credit by any company ever. I also have a freeze on my credit file since XXXX please remove. This is getting frustrating my identity was stolen back In XXXX and my name and ssn is still being used to this day. Please help me. 

I tried to find on my personal credit report when this company was listed but my monitoring service doesnt go back that far to provide image when the debt was removed however, I have written notes which states XX/XX/XXXX time payment systems removed due to fraud. Maybe you can see the removal on your end still. Please help, Thank you.
Product: Checking or savings account

I opened a small cleaning business as XXXX XXXX XXXX and XXXX  employee at the start of XX/XX/XXXX and utilized Square for invoices, payments, scheduling, etc. 

I was having small issues such as length of time for customer payments to post to my Square checking, but ultimately just dealt with it... 

On XX/XX/XXXX I received an email stating my account was placed on hold for review and I needed to authenticate my identity by sending my SSN, ID, etc to verify my identity. To which I did successfully, resulting in my account being fully unlocked. 

On XX/XX/XXXX I completed a two day cleaning job totaling {$400.00} being paid through a Square invoice, based on an appointment scheduled with the Square app, with payment being sent to my Square checking account. 
Within the hour of the {$400.00} payment being processed in Square, my account was FULLY and completely suspended and closed without reason or warning. I was, however, notified via email that all my funds that were in the process of being deposited ( {$310.00} in check form, and {$400.00} via debit payment through Square ) to the Square account would be held for 90 days ( until XXXX ) while Square 'reviewed " my closed account. All while being informed via email that fees and other charges from Square would be deducted from any pending deposits. 

While trying to speak with 'Customer Service ' members I was told numerous times that since the account was fully closed, no supervisor or manager would speak with me and no details or other information would be provided in any form due to 'security ' reasons. I spoke with five or six separate employees of Square customer service to which no help or assistance was given, other than 'send refunds for the money paid and have the customers pay another way ' ... 
I then tried calling customer service two more times in an attempt to reach anyone willing to help to which the automated message stated an email detailing why the account was closed had been sent and then the call was disconnected. 
I have NOT received ANY emails ( I've checked the spam folder too ) depicting in detail why the account was fully suspended and how to resolve the issue. 

When I attempted to contact corporate to speak with someone who might actually be willing and able to tell me why the account was closed and how to obtain the money I had been paid, or money currently in the Square checking account all three numbers for Square LLC ( two in CA and one in NY ) had automated messages that redirect you back to 'Customer Support '. 

Ultimately, not a single person within Square 's Customer Service department made an actual effort to assist me in finding out why the account was suddenly closed the day after successfully verifying my identity per Square 's demands, or offered to track down someone who could help.
Product: Mortgage

Since XXXX, I have been denied access to my account information and force to waive my legal rights to apply for a loan modification to default on my mortgage and foreclosure on my home by my lender Wells Fargo Bank. I have repeatedly question information on a marital account, have be denied access, or transferred until I am still denied support. I am told that my name is not on the account and that my wife name is the only name attached, but I have received billing statements that show my name does exist on the account. I have been paying a mortgage for my home, since XXXX. In XXXX, my wife abandoned our marriage and withheld financial information from me concerning our home. Further, I learned that she arbitrarily removed my name of the deed of trust with my knowledge and authorization, however, my name is still attached to the mortgage loan. In a divorce or separation, marital property is XXXX between spouses until a court of law determines who acquires the home in a settlement. The XXXX XXXX XXXX has not render a decision on the matter as the case is pending and I should not be forced out of my home because my wife is using unethical tactics to push me out with the support of Wells Fargo. I should have the opportunity to workout options to keep my home and not be forced into foreclosure when I have legal rights to preserve my home from loo mitigation. Further, I did not receive any warning or notice from Wells Fargo that they were going to conduct a non-judicial foreclosure sale until 4 days before the sale to take place on XXXX. I was suspiciously sent a late notice by my wife by mail, which alerted me that the sale was in a couple of days. This is improper conduct by Wells Fargo. They had an obligation to notify me of options, give me the option to modify the loan before referral to foreclosure and an opportunity to complete a loan modification application. I was denied when I was denied access to obtain the documents and information needed to complete the loan modification application and to consider my options.
Product: Vehicle loan or lease

I traded in a vehicle to the dealership on XXXX/XXXX/XXXX so the co-signer on vehicle could obtain a vehicle in his name alone. I was not purchasing another vehicle at the dealership. I was told that the dealership would pay off the full amount owed to PNC bank within 14 days. I followed up with PNC bank on receipt of payoff. The vehicle was paid off in full on XXXX/XXXX/XXXX. I received documentation that the account was closed on XXXX/XXXX/XXXX from a local PNC branch. I also received a letter dated XXXX/XXXX/XXXX from the bank that the loan was paid off and they even refunded {$14.00} of a over payment. The account was updated on my credit report as paid off. On XXXX/XXXX/XXXX I became aware that the account was reopened. I was told by the bank that they " reversed '' my account on XXXX/XXXX/XXXX. The bank stated that the dealership told them it was paid off in error and they mailed a check back to the dealership. The vehicle was not paid off in error and I have a signed agreement with the dealership that they took ownership of the vehicle and it would be paid off in full. I have talked to XXXX different people at the bank who could not give me any answers as to why, 2 months after my loan was closed, the dealership was able to do this. They could not give me answers on how it was possible for someone else to reopen my paid off loan and who at the bank allowed this to occur. The account is still open while they investigate and they have not allowed me to report the account to their fraud department.