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

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE FRAUDULENT ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW MY PERSONAL INFORMATION WAS OBTAINED BY WHOMEVER THE INDIVIDUAL OR INDIVIDUALS WHO DID THIS DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE FRAUDULENT ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I discovered a negative report on my personal credit file from American Express, indicating that my business account was late and had been sent to collections. This is highly concerning because this is a business account, and I was under the impression that it would not impact my personal credit. 

In XX/XX/XXXX, the company made a substantial payment to cover a large portion of the account balance, with the understanding that the remaining balance would be handled under a " pay over time '' arrangement. The most recent statement dated XX/XX/XXXX, confirmed that the account was active with a " pay over time '' balance, and there was no indication it had been sent to collections. I never received any notification confirming the setup of this agreement, nor was I informed that the account was considered delinquent or sent to collections. 

When I contacted American Express customer service on XX/XX/XXXX, I was told to contact a collections agency. However, I was never provided prior notice of collections or any communication regarding the delinquency. This lack of notification has unfairly impacted my personal credit score and financial reputation. 

Additionally, as this is a business account, I question the appropriateness of this entry appearing on my personal credit report at all. It should have always been reported on my credit file if it were linked to me personally, but it only appeared with this new " delinquent '' status, which is a clear violation of proper reporting practices. 

I believe this situation may violate the Fair Credit Reporting Act ( FCRA ), as the account should not have been reported to my personal credit file without proper notice or verification. I request that this matter be investigated promptly, the negative entry removed from my personal credit report, and documentation provided of any notices or communications regarding this account. Furthermore, I request confirmation that the business account is treated appropriately and will not impact my personal credit moving forward.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/year>, I fell victim to a multilayered scam operation orchestrated by Italist VIP ( the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains. In total, I was defrauded for total of XXXX  ETH which was transferred from my XXXX account to fraudulent investment firm ( XXXX ).
Product: Debt collection

I received a call and I was inquiring about the debt and the DOB and street information they presented me was incorrect. So they would not tell me anything else about the debt they say I owed. I asked them to send me the contact with a wet signature and they apologized and said they had the wrong person. A manager or so he said apologized. It was real scratchy. Im concerned
Product: Credit reporting or other personal consumer reports

My rights have been violated. I have a right to privacy. The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), which became effective in XX/XX/XXXX, was designed to eliminate abusive, deceptive, and unfair debt collection practices. The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), which became effective in XX/XX/XXXX, was designed to eliminate abusive, deceptive, and unfair debt collection practices. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit. Responsibilities of furnishers of information to consumer reporting agencies. 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. 

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: Debt collection

Company name XXXX. Account number : XXXX ( New York XXXX Collector Name : Nationwide Credit XXXX XXXX XXXX Phone Number : XXXX ) Reference Numbers : XXXX XXXX / XXXX XXXX I signed with XXXX XXXX the end of XXXX for their " Quaterly Plan '', which has a cost of about {$150.00} give or take depending on the size of the house. The payment is to be collected every 3 months. I know this information since I have used XXXX before, and it's even advertised on their website. The first payment was collected at the time the technician came to the house, around XX/XX/XXXX for {$120.00}. 

At the end of XXXX, I noticed a second charge for the same amount, which was incorrect since my payments are supposed to be due every 3 months. I called XXXX immediately, the rep on the phone said I was signed up for another plan called the " XXXX XXXX '' and she would have to ask a XXXX for approval to change the plan to the " XXXX '' plan. She said that someone in XXXX would call me back once the change is done. No one did. 

During the first XXXX weeks in XXXX I called several times, spoke to different reps and they would all say the same that someone would call me back as they did not have the authority to process this change even if it was a mistake. This is all happening while their accounts department is calling me constantly to collect payment, and every rep in that department I spoke to had no clue about the issue and I had to reinform them every time they called. 

Finally, on XX/XX/XXXX a XXXX XXXX with the name of XXXX XXXX left a message saying that the change to the " XXXX plan '' could definitely be done, and that he could helped me with that. But he also said he wanted to speak with me first as he did not think it was a good idea. I called the XXXX back many times in XXXX and XXXX and left him voice messages but he never returned my call. This is his direct line : XXXX. 

XXXX calls from XXXX and texts starded morning and night. Every time I go the chance to answer I would have to explain to the rep the same story over and over but no resolution to the problem. At time every rep would tell me something different. XXXX even said to me yes I see that technician that initially came to inspect the house wrote that there was no termites. Other rep told me yes your plan is changed, but that someone needed to come to the house and collect the termite baits, no one has been back. 

At this point, I do not even want to have their services any longer. They only came to my home once and within the first month I called for them to come again to re-spray as we spotted aunts, and they never came. They never sent someone to removed the XXXX baits that I don't need. They are trying to collect money for an incorrect service, and for only XXXX visit provided. 

Here are the XXXX collection bills mailed to me ( not sure why there are XXXX separate collections ) : {$360.00} ( XXXX XXXX XXXX ) {$720.00}. ( XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is in Direct Violation of The Fair Credit Reporting Act for my account This company violated several of my rights including 15 U.S.C 1681 section 602 A. Which states that I have the right to privacy. 15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I demand these late payments be removed and updated on this account immediately and because this was the reason my account was closed and charged off. I want the charged off status removed also, as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

I reached out to Portfolio Recovery in XX/XX/2019 to request the removal of this collection account from all 3 credit agencies after completing a 3 month payment plan. They agreed to this on a recorded line twice. During the original conversation, the agent read a script to me that stated that not only would this account be removed but all accounts under my same name and information. The final payment was completed in late XX/XX/2019. As of today XX/XX/2019 the account is being reported as settled, but not removed as we had originally agreed upon. Also, since contacting them, they are now sending me collection letters for my deceased father.
Product: Checking or savings account

We opened a new regular checking account at our local bank. I had some CD 's coming up for renewal with Marcus Goldman Sachs. We had issues with them in the past, so we decided to not renew any CD 's. I went in and changed the CD 's option to close at maturity and send funds to my new bank. I did not think much about it, since I had done the same thing with all our other companies. XXXX I tried logging in and a message came up we have locked you account no reason stated. I have been talkinbg with CSR over the last few weeks.l had two people say I have no idea I will get back that did not happen. About two weeks ago I was told they could not verify that account was our bank. My new bank does not do third party verify, so I was told that I needed to send in a bank statement.to make sure our names and address were on the statement. I still had not heard anything for two weeks. I called XX/XX/year> and was told the statement was no accepted since it did not have my Whole checking account number.. I checked with my bank and they said we do not mail statements with a full number. The account shows 4 numbers and I know they have the whole number since they called my bank to verify. and I furnrished this number when I added a linked to account number. They have over {$56000.00} that I can not acess and they have not given me what they plan to do with our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you multiple times that Im the one whos disputing this information. Again, I received your multiple response that you dont have authorization to dispute anything because you believe it didnt came directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Under Section 614 Restrictions on investigative consumer reports [ 15 U.S.C. 1681l ]. You only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 

The information Im disputing are INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. 

XXXX XXXX XXXX : {$3700.00} Date Opened : XX/XX/2015.
Product: Credit reporting

I have been a victim of fraud, I will attach the police report. Currently I see a collection on behalf of XXXX XXXX. I never had any account with them. This is fraudulent.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
//The following inquiries are unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is my 3rd time sending this complaint they said that my ID was not clear i need this resolved
Product: Vehicle loan or lease

For the past two months i have gotten in touch with Ford Credit to report my payments to the credit bureaus. it has fallen on deaf ears. i am current on my car loan and i am even paid ahead. this is not helping me build any credit.
Product: Debt collection

For years I have been fighting with this company about this debt that they are reporting. The debt was paid to XXXX. I have told them that this is reporting incorrectly. The original account is more than seven years old and they are still trying to collect on this debt. This incorrect reporting is effecting the quality of my life. This debt was paid to the original creditor. I will not pay a debt twice. Somewhere along the line somebody dropped the ball. I have attached the page that it appears on my credit report.
Product: Checking or savings account

I attempted to make a withdrawal on XX/XX/year> but the ATM machine did not give me any money and my account was charged {$550.00}. 

( See Attachement XXXX  for more details )
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX   to   XXXX   XXXX   60 days past due as of   XXXX   XXXX  ,  XXXX   XXXX  30 days past due as of   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX   I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

i was summoned to appear in court 2xs i went both times discovery order was made to prove the cad was mine never received anything i called the company and they sent me a XXXX XXXX XXXX debt from XXXX XXXX no charges but last statement XXXX unacceptable that i have to go to court 2x when these are collection agency and lawyers who should know the law in ny statue of limitations have expired on this long ago
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and frustration regarding the repeated attempts to rectify the late opening of my account with your esteemed institution. Despite my continuous efforts to resolve this matter, I have encountered significant challenges, leading to undue inconvenience and financial implications on my part. 

I would like to bring to your attention the following issues I have encountered : Communication Breakdown : Despite numerous inquiries and follow-ups, there has been a noticeable lack of communication regarding the status of my account opening process. This has left me feeling uninformed and uncertain about the progress made. 

Administrative Errors : On multiple occasions, discrepancies in the documentation submitted have been cited as reasons for the delays in processing my account opening request. However, upon careful review, I have found no inaccuracies in the information provided, raising concerns about the efficiency and accuracy of your administrative procedures. 

Financial Implications : The delays in opening my account have resulted in missed opportunities and financial implications, including late fees and penalties incurred due to the inability to access necessary banking services in a timely manner. 

Customer Service Experience : The overall customer service experience has been subpar, characterized by unresponsiveness, lack of accountability, and a failure to address my concerns in a satisfactory manner. 

Given the aforementioned issues, I urge you to take immediate action to rectify the situation and expedite the opening of my account without further delay. Additionally, I request compensation for the inconvenience caused, including reimbursement for any financial losses incurred as a result of the delays. 

Furthermore, I expect a formal acknowledgment of this complaint and a detailed plan outlining the steps you will take to prevent such incidents from occurring in the future. As a valued customer, I believe that transparency, accountability, and timely resolution of issues are paramount to maintaining a positive relationship with your institution. 

Please treat this matter with the urgency it deserves, and do not hesitate to contact me should you require any further information or clarification. With this, I am asking for your assisstance to correct this account in my credit file : XXXX XXXX Balance : {$17000.00}.
Product: Prepaid card

I filed unemployment at beginning of pandemic but I didn't ever get any funds or approval. Nothing, when I tried to call back and after hours and hours of being on hold. I would get thru but after I give my name, social, and birthday they would tell me it's not the correct information and they couldn't give me access to the account ..Then they would tell me that they were disconnecting the call. Frustrated and without my funds I went thru this for 2 years never being able to access funds. It wasn't until XXXX or XXXX that I just happened to get the right agent to listen to me and probably go against there procedure but got me access into my account that was paid to someone else... the addresses were not mine.. the birthday wasn't even right.. so after I changed the info to my correct info they wired me a few XXXX dolars..meanwhile I was already homeless and lost everything. They had Paid my funds to someone else and then they did a investigation and told me they had reason to believe it was me that they paid. I have XXXX percent proof that it was not me that the funds were paid to. I can provide whatever I need.. I want to take them to court. I feel they owe me at least XXXX dollars of money that they never paid me not to mention. The pain and suffering.. I'll take what they owe me if they paid in full but I don't think they will so I am prepared to sue them if need be.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the year 2008 I had checking with Wels Fargo Bank located in XXXX MD at the XXXX  XXXX XXXX  and XXXX XXXX, also I had XXXX Saving Plant with them. The bank informed me that due to the Financial problems in the homes Market the Shares markets in New York, this went down the prices and the XXXX Saving plan get down from {$35000.00} to about {$18000.00} showing the shares low prices for about ( XXXX ) .less. XXXX XXXX XXXX XXXX told me that was better cancel the XXXX Saving Plan to avoid more losses the money and get the money and canceled XXXX Saving Plan for about! XXXX in losses. Now this event the Credit Review Bureau not show that event.in my Credit Report. So, I need your investigation really what happened with my money. Because it worked for a long of my life..
Product: Debt collection

O n  XX/XX/XXXX , I filed  a complaint with the FTC against  XXXX . This issue was supposed to have been resolved.  XXXX  sent me a device return packet and all devices were returned in   XX/XX/XXXX .  On   XX/XX/XXXX ,  I received a collection notice from  Diversified Adjustment Service on   XXXX   XXXX  behalf for {$1200.00}. I canceled the plan with  XXXX  in   XX/XX/XXXX  and  returned the devices so nothing further is owed. FTC  Complaint  ref #  XXXX .
Product: Checking or savings account

My mother was diagnosed with XXXX XXXX  months ago and was working up until XX/XX/XXXX and had paychecks from XXXX and XX/XX/XXXX that she never cashed or deposited. She's going into assisted living and asked me to deposit XXXX check, which was endorsed to me, into my account which I did on XX/XX/XXXX. The check is STILL on hold with BMO bank routing number XXXX, they advised I would need to complete an affidavit of endorsement with notary which I have no problem doing however I am no where near a branch and have requested the form XXXX times by email ( since XXXX  XXXX ) And I have still not received it. They are treating me like a criminal and are doing everything possible to make this difficult for me When I am dealing with the worst situation in my life right now with my mother. They have hung up on me twice and told me that once the affidavit is returned, it will take XXXX  days for them to investigate which I can't understand because the check has not been returned. There were no flags issued by the bank. The check was drawn on. There should be no reason for this. I need this money to pay my mother 's bills which have not been paid in XXXX months due to her recently diagnosed condition. I don't know where else to turn. I can't deal with this Bank anymore. They are making my life so much harder than it has to be right now. Please help.
Product: Credit reporting or other personal consumer reports

I noticed some errors on my credit report in violation of 15 USC 16c-2. These inaccuracies are harming my credit, and the inquiries were not approved by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed multiple accounts and hard inquiries that I dont not recognize
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I will like to take actions against the perpetrators that's fraudulently using my identification. Accounts are listed below XXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$2900.00} XXXX Date opened XX/XX/XXXX Account number XXXX {$2400.00} XXXX Date opened XX/XX/XXXX Account number XXXX {$560.00} XXXXXXXX XXXX  Date opened XX/XX/XXXX Account number XXXX {$1900.00} XXXX XXXX  Date opened XXXX XXXX, XXXX Account number XXXX {$2400.00} XXXX XXXX  Date opened XX/XX/XXXX Account number XXXX {$5700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Account number XXXX $ XXXX {$23000.00} XXXX XXXX XXXXXXXXXXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$870.00} XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$7600.00} XXXX XXXX XXXX  Date opened XX/XX/XXXX Account XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account XXXX XXXX {$410.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$6700.00} XXXX XXXXXXXX XXXX  XXXX XXXX. 
Date opened XX/XX/XXXX Account number XXXX {$3200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account number XXXX {$2300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account number XXXX {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX 
Date opened XX/XX/XXXX Account number XXXX {$4100.00} XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Account number XXXX {$1000.00} XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX Account number XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX 
Date opened XX/XX/XXXX Account number XXXX {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account number XXXX {$420.00}