23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) a personal credit card at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) a personal credit card opened at XXXX  on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX XXXX, XXXX XXXX XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) Fraudulent inquiries consist of XXXX XXXX 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 XXXXXXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I am writing to express my concerns regarding an ongoing issue with my account. Specifically, I have noticed a recurring practice where the bank places funds on hold in my account, but the funds are not withdrawn until a new deposit is made. This process is creating confusion and inconvenience for me, as I am unsure of the timing and reasons behind the hold and withdrawal actions. 

I also have noticed discrepancies between the balance shown in my account and the actual available funds. On multiple occasions, my account has displayed an incorrect balance, leading me to believe I have more available funds than I actually do. These discrepancies have resulted in the need for the bank to refund amounts upon bringing the issue to their attention. 

Additionally, I am experiencing difficulties accessing my VyStar mobile app frequently, which further complicates my ability to track and manage my account. I am often unable to log in or access the current balance, transaction history, and other account features, which exacerbates the problem.
Product: Debt collection

Mortgage and security fraud. Since 2008 I have been in a legal fight with XXXX XXXX XXXXXXXX XXXX XXXX Select Portfolio services and XXXX XXXX XXXX. This 3 entity 's and other known and unknown have tripled the note of my paid off property and negotiated then with XXXX XXXX XXXX XXXX... number trust. It has been impossible to get authorities to review the case.
Product: Bank account or service

Someone stole my money out of my checking account I did not authorize anyone to a control money from my account I filed a fraud claim immediately upon finding my funds work on SunTrust has denied my claim and now I have to file a rebuttal to have made me wait two weeks of no funds taken my sons XXXX check and my entire account plus fees over {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent out a second dispute regarding 3 accounts on my credit report. I requested that pursuant to The Fair Credit Reporting Act 15 USC Section 1681, Experian send me the physical verification of the original signed consumer contract, the verifiable proof ( an original consumer contract with my wet signature on it ) and all documents included in each accounts file. On XX/XX/XXXX I received a letter from Experian stating that my second reinvestigation was complete. Experian failed to provide me with any information I requested in the second dispute and accounts were labeled as updated. This company has consistently violated the Fair Credit Reporting Act and continues to furnish unverifiable information on my behalf with out my consent. They assumed this role and are violating the Fair Credit Reporting Act by not completing a proper investigation. I have included all correspondence in an attached pdf that gives proof they violated my right.
Product: Checking or savings account

STOLEN IDENTITY LEAD TO A BANK OF AMERICA ACCOUNT BEING OPENED AND USED UNDER MY NAME YET THEY DONT HAVE IT IN THE SYSTEM BUT ON ALL CREDIT REPORTS IT STILL SHOWS SOMEONES USING IT AND THE COMPANY REFUSES TO WORK WITH ME AT ALL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian today in regards to the wrong address that is showing on my credit report and also advised that I am a victim of identity theft. I spoke with XXXX and explained what was going on and she stated that I needed to speak with the creditors on my credit report. I explained to XXXX that these are the same creditors that I have had for awhile and they have my correct address and she refused to still assist I also confirmed that I have proof of my address on file due to the identity theft report and I have an actual individual that works with me in Fraud by the name of XXXX and when she reached out to me via email she had my correct address. My correct address is XXXX XXXX XXXX, XXXX  AL XXXX, wrong address reporting : XXXX XXXX XXXX XXXX XXXX, XXXX AL XXXX. I do not live in a apartment at all. The representative by the name of XXXX still refused to dispute to get this corrected and ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information that Equifax is using is reporting inaccurate information that doesn't match my personal information. Equifax still is reporting it as it violates my rights to the laws listed below. The information has my name as XXXX XXXX XXXX. This is not my name. My name is XXXX XXXX as it reports on my Equifax report. It also reports my address as XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. This has never been my address. My address has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX andXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. As listed on my Equifax report. This is a violation to my rights of fair and accuracy. This has already been removed off of my XXXX account due to several violations. Account in question is XXXX XXXX Reference number XXXX. Date filed XX/XX/ The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

HSBC has block my account without any valid reason, to protect me they said. They unwanted protection cost me a bunch of late fees on different account, a notice eviction, and I have to borrow money in order to pay basic stuff like foods, water, electricity. I would like them to refund {$1000.00} of late fees on other account, eviction fees and other fees i have incurred. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$950.00} on the XXXX XXXX account from original creditor XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I closed this account and made an arrangement for the company to pick-up the equipment per their instructions. The company failed to process my return correctly and consequently, because of their error, this account was sent to collections. I never received any correspondence regarding this account and I was not aware that there was a collection until I obtained a copy of my most recent credit report. The false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Checking or savings account

This is in regards to Wells Fargo class action suit. Had a mortgage with them as well
Product: Debt collection

I received a call and voicemail from XXXX ( a XXXX  number ) and the voicemail stated someone else 's name and said their debt collection client was demanding a decision for repayment. I am not the named person in the voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help resolve issues regarding my credit report. An account I had with XXXX XXXX company is still appearing on my XXXX, Experian, and XXXX  credit report. This account was opened in XX/XX/2013. This account /item is past the statute of limitations and therefor should have been removed, however XXXX , Experian , and XXXX  have still failed to do so even after attempts by XXXX XXXX on my behalf to have it removed.
Product: Debt collection

FINAL NOTICE, i have not been giving notice by this company and giving the right to dispute this debt, i will now dispute thru this site, i dont recall this debt so under fcra i am requesting that tis company provide my an document in which i agreed to pay said debt amount and my signature all on my contract, per ftc opinion letter, only a signed contract with an amount between me and the creditor is the only form of validation, This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file.

In compliance with FCRA 623 ( a ) ( 8 ) ( D ), this Notice of DIrect Dispute includes : Identification of the specific information being disputed : AN ITEMIZED STATEMENT IS NOT VALIDATION, AS I DONT CONSENT FOR THIS COMPANY TO HAVE ANY OF MY MEDICAL RECORDS CAUSE THAT TO DOES NOT VALIDATE AN ACCOUNT, AND I WILL NOT EXCEPT AN ITEMIZED STATEMENT AND NEITHER WILL THE COURTS, THE ONLY VALIDATION FOR ANY ACCOUNT IS A SIGNED CONTRACT OR AGREEMENT, ONE IN THE SAME
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX ending in XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments to be updated to on time as they should be as I was NEVER late. Thanks,
Product: Debt collection

Have been getting calls for a year every Sunday, asking if I 'm someone I 'm not. When I answer there 's no one on other end. I have spoken to a person a couple of times at least which they said they would remove my name but they continue to call.
Product: Credit reporting or other personal consumer reports

I currently have some fraud accounts and inquiries on my credit report.
Product: Credit card

I obtained credit through Amazon.com. I am uncertain of the credit limit but I believe it was at least {$600.00} with free membership in prime Amazon. Shortly after, I received a " credit card '' from Syncrony Bank in XXXX, Florida. My limit had been lowered to {$300.00} without any explanation and the membership in prime XXXX was cancelled. I could not access my account online except to see my balance via email and the due date. I began having issues with items delivered in the fall ; credits to my account were not issued free delivery was not honored. I was late with my payments in XXXX and XXXX. My limit was lowered again but I was not notified until after the fact. It was then that I was able to obtain copies of a year 's worth of statements. I noticed that they were charging a " security fee '' - a fee that is not disclosed anywhere in the statement document ; they are also charging a late fee of {$50.00} - under Florida law they can not charge in excess of 5 % of the balance which was {$50.00}. I had paid an excessive late fee once in the spring and I object to the undisclosed " security fee. '' The current balance reflected on the account is over {$150.00} - 100 % late fee on top of late fee and the security fees.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act Account XXXX XXXX XXXX Has violated my rights 15 U.S .C 1681 section 602 A states : I have right to privacy 15 U.S.C 169XXXX section 604 A section 2 : a consumer reporting agency can not furnish account without my written permission
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 ( s ) to be in error : XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

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

XXXX. The inquiry was not authorized XXXX XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/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 XXXX months. 

Thank you for your time and help in this matter.
Product: Credit card or prepaid card

on XX/XX/2023 I contacted Celtic bank about a card opened in my name as fraud .they told me the account XXXX was closed and I wasn't not responsible for the charges, but they have kept sending letters trying to collect the balance they are still reporting late payments to my credit report.
Product: Debt collection

I do not recognize this alleged debt and I refuse to pay it. I do not have a legal or binding contract and have never done business with Eastern Account Systems. This account was also closed and reopened. It should be deleted for this reason alone. I am requesting that this debt be Validated not Verified.
Product: Credit card

We made a purchase with Arhaus on XX/XX/XXXX for XXXX. This amount needed to be paid off under the no interest promotional plan by XX/XX/XXXX. We made payments every month that more than totaled the amount of this loan over time, however, we made another purchase in the middle of this loan with a new promotional plan/time. And instead of allocating our payments to the first promotional purchase, Arhaus credit card company ( Comenity/Bread Financial ) separated the payments, making it so that the original purchase would not be paid off on time. They did not tell us how they were allocating the payments or let us know that we could change how the payments were allocated, so we thought we were making our payments to the correct purchase ( the one that would expire first ). On XX/XX/XXXX when I went on to pay our balance in full, they charged us {$12000.00} in interest, claiming that we did not pay off our promotional plan on time. They refused to give more details on how it was calculated. They more than doubled the balance we owed them when we were about to pay it in full.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we are required to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate in terms of reporting, with inaccurate amounts and dates being reported.
Product: Checking or savings account

I want to send money from my PNC checking account internationally using the service XXXX ( XXXX ). I was able to create XXXX account, but I could not link my PNC account with it, indicating PNC does not support it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was issued a credit report by Equifax with the confirmation number of XXXX, after reviewing the credit report I noted that Equifax had been reporting my name as XXXX XXXX on it with an outdated address reporting as my current address. Since this credit report was grossly inaccurate I sent a challenge into Equifax to correct this information and haven't heard anything back. 

Background In XX/XX/XXXX, I underwent a legal name change from the name XXXX XXXX XXXX to XXXX XXXX XXXX. After the name change, I notified all the credit bureaus to update their records with the court order. All the credit bureaus did update their records to the new name of XXXX XXXX initially, but for some unknown reason Equifax has took it upon themselves to change my credit file back to my old name and publish an outdated address as my current one ( this has caused several accounts to go missing on file ) I have tried to correct this information with Equifax to no avail, and at this point I believe Equifax is working with a third party ( s ) to commit fraud against me to cause me financial harm. I have previously requested that Equifax send me the contact information for this third party who is either furnishing and/or instructing the credit bureau to publish this grossly inaccurate information, Equifax never responds to me or provides me with the third party ( s ) information in accordance with the credit laws. My recent challenge sent to Equifax dated XX/XX/XXXX and Delivered Certified Return Receipt ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ).
Product: Consumer Loan

I have had a vehicle lease with Ally Financial since XX/XX/XXXX. I have been manipulated more times that I like to admit with this company and the paper trail I have is Astronomical. The start of the problem occurred back in XX/XX/XXXX of last year when I had fraudulent charges on my account that caused a check payment made on my behalf to be reversed. I however, was not made aware of this stop payment nor does it show record on my Banking account or with proof provided by Ally. But that did n't stop Ally from charging me a Late fee for over a year. I will include a Payment summary that I had Ally fax me as you can see that even on this sheet the accounting is off, and there is no proof or significance of a late fee accruing or charged. Part of my biggest compliant here is that I have NEVER received paper billing nor did I opt out of such, so I have been forced to used a mobile app to make monthly payments, and even that does not show late fees or notices. I have not gotten a call until this month ( XX/XX/XXXX ) letting me know that I have over {$220.00} worth of late fees to be exact, and they tried to smooth things over by telling me that they wo n't accrue interest and they can be paid anytime. I 'm sorry but I 'm still getting a {$30.00} late fee per month until they are caught up, and come to find out they have been dinging my CREDIT as well! I 'm outraged at how violated I feel in all of this, and at the hands of a company with XXXX customer service. I have made a phone log of how many times I have called their office only to be transferred at a minimum of XXXX times, and then when told my fees would be waived by speaking to someone in esculation and I was of course then disconnected! My most recent phone call was a total of XXXX hours and XXXX minutes. The only time I was able to get somewhere with a representative is when I finally got someone who spoke no broken XXXX and she also agreed that she showed no calls or reason why I would n't be receiving paper statements and that I also based on her billing summary I was paid up to date with a credit of {$11.00} on loan payments, regardless of late fees. She also promised that I would receive a call back within XXXX hours in regards to the paper statement issue and I still have yet to hear from them and that was on XX/XX/XXXX I feel like I am getting no where very fast with this issue and I need help in resolving this matter. I am very aware that I am not the first and I 'm sure I wont be the last they take advantage of. I would sooner have another bank take over this loan, but the damage they have done to my XXXX in just a year has n't helped me, and I feel very stuck! Therefore, If I ca n't get this resolved at this level I will seek Legal Council regarding possible UDAAP violations at consumerfinance.gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and and XXXX XXXX is listed as paid settled here are the credit reports.
Product: Credit reporting or other personal consumer reports

I have paid off Westlake Financial Auto loan on XX/XX/year>, as of XX/XX/year> it still shows that I owe {$11000.00} on this car loan, which is incorrect. 
I would like Westlake Firancial to UPDATE that this loan is paid off, since it prevents me from qualifying for another auto loan ( have already waited for more than one month for this update ) On the phone their rep told me it would take 90 days for them to report an update... I need my credit report information updated as soon as possible.
Product: Student loan

I have been receiving harassing, threatening and XXXX threats telephone calls from Student Loan Finance Corporation in regards to a student loan account and debt of {$3200.00} and {$4900.00} I do not owe. The account or debt do not belong to me. I am a victim of identity theft.