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

I have specifically sent in a Police Report to customer service NUMEROUS times and dispute all transactions on my account that were not mine when i sign for transactions i use first middle and last initials when i requested them to have proof they only have signature of XXXX i gave 3 reps my police report and i will not provide it again and it still shows i have late payments and i still owe the balance of {$4000.00} I disputed this also numerous times and it should not have to keep getting disputed over and over and over again. If this isn't removed off my report within 5 business days i will be contacting the Ohio Attorney General XXXX XXXX. I have the right to fix whats correct. It is unfair that i'm responsible for this. i only made a 1 transaction and this is the transaction i made ORIGINAL TRANSACTION AMOUNT {$750.00} on XX/XX/2018 please remove all transactions except the XXXX. this is the only one i should be responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Reporting Act XXXX Account - XXXXXXXX XXXX XXXX ( XXXX ), has violated my rights.

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$280000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX {$1300.00} XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$140000.00} XXXX XXXX XXXX {$5400.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Product: Debt collection

I suffered a workplace injury in XX/XX/2018. I had an XXXX in XX/XX/2018 that was ordered by, processed by, scheduled by, and interpreted by my workers compensation physician as part of the workers compensation claim. The Outsource Group on behalf of XXXX XXXX inappropriately and incorrectly billed my private health insurance for this test. They have continued to call me and pursue this debt despite my providing documentation and verbal explanations on no fewer than five occasions.
Product: Credit reporting or other personal consumer reports

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX  XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 

I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Mortgage

Wells fargo sold my house even after I tried to get it modified and filed XXXX the day before it sold. They were supposed to resend the sale and never did. And to tip it off sold for {$100000.00} less than it was worth.
Product: Debt collection

the companies involved are reporting inaccurate information saying that I owe said companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX All parties have discharged all debts and I was sent a 1099 form from said parties. Publication 4681 Chapter 1 Canceled Debts. All said parties are in violation of reporting said canceled debt as ordinary income. Furthermore, there is no evidence of any debt owe by XXXX XXXX, XXXX XXXX XXXX, or any other derivatives. Charge offs are certificate of indebtedness which turns into income and needs to be removed from my credit report. It is illegal to report transaction history. 15 US CODE 6801a protection of nonpublic information.
Product: Credit reporting

XXXX XXXX XXXX XXXX is being reported on my XXXX, Equifax , and XXXX credit bureaus as a paid charge off. I paid this account in full. There was no profit loss. They said they would remove it after 60/days and they have n't done that. No offer was made. I agreed to pay full amount upon the removal in all XXXX credit resort which hant been done. I payed this item in full on XXXX.
Product: Credit reporting or other personal consumer reports

I recently submitted 3 complaints, 1 on each credit bureau, Equifax, TransUnion, Experian. They have responded that the information i have disputed is correct cause they verified it but did not send me no verification or validation paperwork on how this process was done or obtained. I have requested them to remove errors on my credit report and they yet to do so. I have never gotten paperwork from either 3 credit bureau proving how they verified with the creditor which I have requested not once or twice not even 5 times but I have requested more than 10 times. They keep updating my credit score as if I had barley opened those accounts I'm disputing, which is really affecting my family and me. I demand something be done with these companies causing harm. By them not doing a full amd proper investigation. I have had this issue for the past few years with them Equifax, TransUnion, Experian.
Product: Debt collection

XXXX sent my balance to collections. Veteran affairs was supposed to cover the cost of that semester through the GI bill. I cant control what, when XXXX how the VA operates. The VA delayed notifying anybody that my benefits had been exhausted until well after the semseter ended. XXXX then attached an additional {$370.00}. Of interest. I explained it was not my faultamd i am having a financial hardship. They then proceeded to send it to collections DESPITE me making payments directly to the school.
Product: Checking or savings account

XX/XX/2018 I would like to file FORMAL COMPLAINT AND GRIEVANCE against XXXX XXXX and " XXXX '' at the Bank of America branch XXXX, located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 

He is unquestionably the RUDEST and most obvious arrogant, & evil person in the banking industry and should be terminated immediately!! 

( I usually bank in Florida. ) While visiting family in XXXX XXXX, I went to this branch to make a {$2000.00} cash deposit. I waited in line. He said they would only accept an ATM or drivers license. I didn't have those with me but had my passport. Then XXXX was taking a very long time with an drive thru customer. I was the next customer and asked XXXX to help me ( as he was waiting on customers ). He refused to help me, didn't allow XXXX to help me, and refused to accept my cash deposit. At minimum, he should be seriously reprimanded!! I request a REPLY and action to be taken. 


I have been a customer with Bank of America since it was XXXX XXXX. My family has huge amounts of money at BoA. We can easily move to one or more of the innumerable much more professional banks!! 


The behavior of XXXX XXXX ( and his subservient XXXX who refused time accept my deposit unless XXXX said it was Okay, was positively despicable and deplorable!!!
Product: Checking or savings account

This was from XXXX  I opened an account with Wells Fargo Bank, and I deposited XXXX dollars in the account and XXXX days later I went to withdraw money from my account and was faced with insufficient funds, I do not understand how that could have happened, so I went and talked to customer service at the bank. I had all paper work with me from opening the account, and they said that with draws were made from a grocery store in XXXX Washington and others were done from an ATM in California. I would like to know how I can be in XXXX places at the same time. I do not drive nor do I travel. So I would like my money back because when I told them this wasn't me and that I was not paying the over draft fees or insufficient funds fee they closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax added a fraudulent account on my credit profile named XXXX XXXX XXXX This is a fraudently opened account. The amount is claiming a balance of XXXX. I am not affiliated with this company. This is a direct violation. I diputed this item 3 times and all claiming verified..Equifax is also not responding within 30-45 days after the disputes.I currently have a security freeze due to identity theft and they allowed an account to report on my report which brought my score down tremendoisly and is damaging my creditbility. Please investigate into this further. Also Equifax is not removing other fraudulent activity such as XXXX XXXX XXXX XXXX and XXXX XXXX. I submitted an identity theft affidavit to them in XXXX. Also submitted another in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to apply for credit in XXXX of 2022 and was denied. I checked my report and saw 2 accounts that i have not done any business with. I have a card with XXXXXXXX XXXX XXXX For the amount of XXXX, i also have a account with XXXX XXXXXXXX on my profile for the amount of XXXX. I have not done business with either company and These 3 companies needs to be deleted off of my credit. THIS IS FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX** Balance : {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay the car loan but it still showing repossessed on my credit report
Product: Debt collection

they have called repeated times contacting me and my employer at my place of employment being loud and threatening to the people who are answering the calls. Have threatened to garnish my wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company IC systems tried to collect a debt that i never owed with then and the last report was on XX/XX/XXXX  for a debt that was never owed with an inaccurate amount of XXXX $ and bought from another company. When I never signed any documents this debt collector that must be removed as soon as possible. In Accordance with the Fair Credit Reporting act XXXX  the Account from IC systems, the account number is XXXX and IC systems has violated my rights. 15 U.S.C section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an alert from my fico score via my cell phone around XX/XX/2022 stating a new account has been added to my credit report. This was fraud I had not opened an account with Citizens Bank and it already had a balance for a line of credit of {$6200.00}. I quickly looked up Citizens Bank and contacted their fraud department gave them all the information I had on the issue. On XX/XX/2022 I received a letter from the XXXX XXXX  XXXX Citizens Bank instructing me to get an FTC report done and then turn in additional documentation by email, fax or visiting a local branch to turn in items. 

I was to email : XXXX Fax to : XXXX Mail to Citizens XXXX : I.D . Theft Operations XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Mortgage

On  XXXX   XXXX ,   XXXX   my car broke down major problem with engine I called Ocwen to let them know my  XXXX  payment would be late and I would have the money by  XXXX   XXXX ,   XXXX   and if they received it would I be late because they told me I would have a late fee but they would not report late on my credit report they advised me to over night it so it is received at there overnight bin which is in Texas I did what they told me to do. I contacted them again on  XXXX   XXXX ,   XXXX   I gave them the overnight number and they said great I explained what happened I even have a ID # and name of CSR told them that I was trying to get caught up but the expense of my car is the reason why again they told be as long as it is in our overnight  XXXX   XXXX  by the  XXXX  of the month you are not late. I found out last week they reported me  30 - 6 0 days late I know I was late with the payment but it was done within the 30 days. I called them on  XXXX   XXXX ,  XXXX   XXXX  &  XXXX  I was told that they can look up the calls and if they can see them they would look into this I told me I never called which I did I have id # times etc. At this point I called the  Mass Attorney Generals  office they told me to contact you. I tried to reach out to them again because they are changing me for register letter fees for  XXXX  I was told that I did n't pick up the letter the women I spoke treated me like I was the biggest low life in the world and she kept on saying I was not telling the truth I ask if this could be escalated I was following what they told me to do and I had names of th e csr s he said that if they did log the call I had no proof. I was so upset they way they treated me if it was n't for consumers Ocwen would not be in business. Again I called I once again tried to explain my situation why would I overnight money and pay  XXXX  and get it there by the  XXXX  if they were going to report me. I also was told even though they have a overnight bin for these situations they do n't process payments on weekends.
Product: Credit reporting or other personal consumer reports

This collection agency has violated the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) By not providing the needed information to properly verify this alleged debt. i have asked for the following documentation to be sent pursuant to that law : The complete and signed contract for the debt obligation which is the subject matter of this dispute ; An itemized breakdown of what you claim the money is owed for ; Explain and show me how you calculated the amount in dispute ; Provide me with copies of any documents, ledgers, spreadsheets, etc., that show that I agreed to pay the amount you claim that I owe ; Identify the original creditor ; Identify and accurately describe any third-party costs for which you are charging me, and that you have included in the disputed amount along a complete itemization of all such charges ; Provide me with an affidavit that the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect on a debt in the State of Delaware ; and Provide me with your and your client 's proof of Good Standing under the laws of Delaware and the Secretary of State along with information regarding your Registered Agent for Service of Process. If this company have the proper authority to collect on this debt, my request should not have gone unanswered. Please help me pressure this company into providing the needed documentation on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20XXXX XXXX XXXXXXXX XXXX- {$470.00} n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I received a notification from my credit managing company that 'Ability Recovery Services ' has stated that I owe {$750.00} from a 2016 hospital visit and has put this account in collections. This is now affecting my credit score. I spoke with a rep at this Ability company and the woman stated that I could 'pay {$300.00} for this to all go away '. I stated that this debt is not valid and that this hospital account was closed 5 years ago.

After further research I discovered that this specific company buys closed medical accounts and attempts to collect money from unexpecting people. I have requested my medical records through a medical release form to prove the validity of my statements. I have also discovered via a XXXX search that Ability Recovery Services is involved within several law suits due to their fraudulent activity. I am disputed these claims and I am filing this complaint because my credit manager with XXXX  recommended I do so. Please feel free to contact me if there is further questions. Thank You
Product: Credit reporting or other personal consumer reports

While checking my credit report I noticed accounts and inquiries that were on my account that I did not authorize. I filed a report with XXXX and submitted information to all three bureaus discussing what is wrong on my report and what I needed taken off. It is unlawful to punish people for acts that they did not commit. I would like for these items to be removed from my account. 

Collections : XXXX - Balance {$3900.00}, Account # XXXX XXXX XXXX - Balance {$950.00} Account # XXXX Inquiry : XXXX XXXX  XXXX. Inquiry Date XX/XX/XXXX XXXX XXXX XXXX. Inquiry Date XX/XX/2023 XXXX. Inquiry Date XX/XX/2023 XXXX XXXX XXXX. Inquiry Date XX/XX/2023
Product: Credit reporting

I have been fighting to get a ga tax lien I paid off since XXXX. It was suppose to come off this XXXX but it is still showing and I can not put in another investigation because they said its been verfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my XXXX credit report along with My EQUIFAX report at the same time an notice wrong names listed within my credit profile. These names are inaccurate an should be removed immediately. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called the company numerous times. The account was paid in full in XX/XX/XXXX. The account was not established with a credit line. The information reporting is incorrect. The company refuses to update the information to show the XXXX balance. Therefore, it is still reporting as an open account and fully utilized credit. This is incorrect information and affecting my credit scores. Show as follows on my credit report : XXXX XXXX XXXX XX/XX/XXXX - 104 % Balance : {$1400.00} / {$1400.00} Overview You 're currently using 104 % of your account 's limit. Balance {$1400.00} Credit limit {$1400.00} Minimum monthly payment {$42.00} Opened XX/XX/XXXX ( 6 mos ) Payment History Youve made 100 % of payments for this account on time. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment -- Current Payment Status Current Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Open Type Charge Account Responsibility Individual Remarks -- Times 30/60/90 days late 0/0/0 See an error? You could dispute an error with Equifax. GO TO EQUIFAX Creditor Information XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account 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 ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Checking or savings account

I am XXXX XXXX XXXX in the estate of XXXX XXXX XXXX. The final action I am trying to do was to close the estate account number. Santander bank issued me check number XXXX date XXXX XX/XX/XXXX. The problem is the check was made out to the account that was just closed. My bank refused to deposit the check. 
After many calls I was instructed to return the check to : XXXX XXXX XXXX, Ma which I did. I received a letter dated XXXX XX/XX/XXXX from XXXX XXXX  and was told they are a back department and does not deal in monetary instruments. They did not return the check. 
On XXXX XXXX a supervisor named XXXX XXXX told me the check would be canceled. He did not say if and when I would get a check reissue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to hacking, account tampering and wrongful death and stolen paperwork and problems recieving mail due to victims report making me undiscoverable under XXXX XXXX and XXXX XXXX anXXXX XXXX XXXX XXXX, I have had troubles with recieving mail and funds in my name on several banking sites and missing XXXX  Address changes and affidavits are being put in without consent. And the location I recieve mail from lies to me about recieving mailXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  because of this issue anXXXX XXXX XXXXXXXX that were lost or handed out to the wrong people. I don't have any case management or care takers just in case this Is being said posing any issues. 
XXXX XXXX XXXX XXXX These are all bank account that someone has set up with out my knowledge and could be stealing my funds My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and there is a person using his identity but my father does have consent due to a wrongful death experience