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

I recently checked my credit report and saw that there are two fraudulent accounts on my credit report. One is from Barclay 's and the other is from XXXX
Product: Debt or credit management

Hello! I see on my credit report Collection under XXXX XXXXXXXX Emergency-Creditor XXXX XXXX XXXX I have never used XXXX XXXX in this hospital and they charged me {$1300.00} and they keep submitting report under my name but I have never used their services.I tried to contact them but they don't listen to me. 

Someone used my name please help me to remove all charges and stop their actions. 
I need to buy a house soon and I noticed these charges and I need to improve my credit score.Because of them I have problems now. Thank you in Advance! 

XXXX XXXXXXXX XXXX Opened date XX/XX/ and XX/XX/ Amount {$1300.00}
Product: Mortgage

I contacted XXXX XXXX XXXX to add coverage to my internal dwelling. They offered to send billing to Wells Fargo. I increased my mortgage payments and they sent billing to Wells Fargo and they didn't pay any of the bills. I filed a complaint with the insurance bureau who notified me that it is Wells Fargo who failed to comply when they received the statements. Wells Fargo has not looked into this matter because of two of their own statements. 1 ) They stated I haven't changed my mortgage payments amount since XX/XX/XXXX and you will see an attachment that clearly disproves this statement. XXXX ) They continue there isn't a valid XXXX XXXX  policy since XXXX which is false, I'm attaching an official letter from XXXX  's, as well as, XXXX  's sent a direct fax to Wells Fargo that they ignored and closed the account without consideration. XXXX  's works with home mortgage companies constantly and they send them statements and they are paid. I don't know why Wells Fargo a ) has failed to investigate this matter, b ) claims that they shouldn't have sent the payments when its industry standard confirmed by the insurance bureau who regulates these things.
Product: Debt collection

XX/XX/XXXX & XX/XX/XXXX is when i made complaints about JEFFERSON CAPITALIST. I have 0 knowledge of that account & been harrassed repeatedly through mail via phone calls. Total amount it says is {$4100.00} & IT IS THEIRS. I would like this off my credit history completely due to them violating rights & codes. Its been there 8-9 years & its affecting me bad. Including the 2 hard inquiries from XXXX XXXX. I also have 0 knowledge of trying to open either account.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Transunion several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX.
Product: Checking or savings account

I filed a claim with Truist over a fake/forged document that was used in a loan I was offered. The XXXX XXXX crook posed as someone from XXXX XXXX and deposited a fake cashiers check into my account for {$990.00}. Well, the XXXX XXXX at the bank would not at first even open a case when I reported this to them as fraudulent because they said it was " pending '' and needed to post to the account. After I raised more XXXX I got a case opened but then got charged an overdraft fee for something I reported as fraudulent! I can't the the XXXX at the XXXX bank to refund the overdraft fee ( s ) nor do a proper investigation into the matter. Before I could even return the affidavit I was sent they closed the case! I did get a letter from them confirming the cashiers check that was deposited was a fake - XXXX XXXXXXXX! I hate dealing with hard headed XXXX  XXXX people who do not give a XXXX about their customers when the customers are a victim of fraud. The case was closed on the basis of the transaction being authorized ; again, XXXX  XXXX! Of course I authorized it but I did not authorize getting XXXX  in the process!!
Product: Checking or savings account

I have an account with Crypto Currency Exchange named - XXXX. In order to make a purchase I need to deposit money to the website using my BANK ACCOUNT. However, when I try to add my bank account to XXXX, it generated an error message saying that my bank does not authorise me to make any debits. Attached is the screenshot for the same.
Product: Consumer Loan

I had a financial hardship in the months of XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and was n't able to make my car note on time. I called Nissan and told them that I would be late making my payments and wanted to know if I could get my due date adjusted. Nissan refused to do such but instead kept calling my home after XXXX up until XXXX at least XXXX times or more each day. Kept telling me you need to make your payment and I told the representative that I was having a hardship and had called to let them know and was refused payment arrangements. So Nissan put late 90 days on my credit report and now I am having a hard time getting credit to buy things that I need due to the 90 day late status on my credit report.
Product: Payday loan, title loan, or personal loan

This is my complaint regarding XXXX XXXX Bank AKA XXXX XXXX Account number XXXX. I opened this account specifically in XXXX with my own money to better my credit since it's being reported to the three credit bureaus. My checking account was compromised With my bank by a scammer. Neither the bank or XXXX XXXX Bank AKA XXXX has notified me but the monthly {$25.00} were not received.I never received a notice in the mail that this account is not being paid. Because of the negligence of self.inc my credit report is being 90 days late reported As of XX/XX/XXXX. I am not even sure how many payments I made to This bank. They took my money and destroyed my credit and never notified me.
Product: Student loan

On XX/XX/XXXX, I made a payment on my loan for the XX/XX/XXXX payment. I made the payment from the same verified checking account that I used to make every other payment on this loan since 2015. As of XX/XX/XXXX, LendKey Technologies has yet to apply this payment to my account. Today, XX/XX/XXXX, I received correspondence from LendKey Technologies stating that I chose to pay by check and do not have a verified account with them. I chose to make an electronic payment using a checking account that was verified, so they are incorrect. Since 2015, I have made my loan payments on this account using the same checking account that I used to make the XX/XX/XXXX payment. All previous payments were accepted without re-verification. If the account somehow became unverified, LendKey Technologies never provided me with any notification that this account is no longer verified. If the account was not verified, then the time to tell me this was on XX/XX/XXXX when I made the payment, not by mail 7 days later. If the account was not verified, then the payment should not have been confirmed. Attached is a screenshot of the payment confirmation showing the payment I made, the date the payment was made, and the checking account use to make the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card from comenity bank and they checked my credit numerous times I was on hold a few hours with Comenity Victorias Secret I was not resent my approval also they mailed me over several credit decisions and comenity bank ran my credit while I was on the phone telling them to absolutely not run my credit because my credit was good now its the lowest its ever been they have sent over ten messages, text messages, and mail to me please have them remove all the credit inquiries that were unauthorized and put me on the do not call/ email/ mail any harassment also why was I on hold so long without it ever being answered I no longer want a credit card with comenity please keep this private. 
Also I submitted a complaint with the XXXX  against XXXX XXXX XXXX XXXX for having been on hold for four hours and after the completion of the call the card was sent to the wrong address they are sending me harassing voicemails, postcards, and rude when I did call for my replacement card. Isnt it protocol for a business to only respond through the XXXX  to contact me? I am disputing a flight that was canceled, unauthorized use of my card ( I did include the police report ) and a debit adjustment. I mainly want to know why my dispute was denied before the statue of limitations run out, thank you! XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I request that XXXX companies XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX not to report to any Credit Reporting Agency 's Pursuant to 15 USC 1681 where I have the right to opt-out of reporting any payments, history or any account information.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I had a credit score of XXXX amongst the three credit bureaus. Between XX/XX/XXXX and XX/XX/XXXX, your credit card account with KIKOFF/CCB was removed from your credit report. This was not my account, I did not sign up for this, I had no knowledge of this. As a result my credit scores dropped 28+ points. After reaching out to kickoff I was told that this was a reporting error and that it would be removed. As of XX/XX/XXXX it has been added, removed, and added again ( still on my credit report ). As a result of this my credit scores are down XXXX points.
Product: Checking or savings account

I received 2 certified letters from Huntington Bank telling me that my accounts were being closed down. They didn't provided a reason. I went into a branch, they did not provide a reason and referred me to customer service. Customer service would not provide me a reason. 

I think it unjust to just close down someone's account without an explanation. I feel like I'm being made out to be a drug lord who launders money or something to that effect. I don't appreciate all the work that's now created for me, time and energy that would have been best spent elsewhere but now I have to deal with getting a new bank account and changing all my auto pays over. 

In short : I find this whole process very unprofessional and it's one thing from a mom and pop shop down the road, it's another for a huge bank.
Product: Credit reporting or other personal consumer reports

I am writing to file an official complaint with the Consumer Financial Protection Bureau regarding instances of potential identity theft and violations of my rights under the Fair Credit Reporting Act by certain financial institutions and collection agencies. 

In reviewing my most recent consumer report from Experian, XXXX, and XXXX I discovered several medical collection accounts that I did not open or authorize : - Account # XXXX, listed as a medical collection for {$2500.00} with MEDICAL and currently in collections with XXXX XXXX XXXX 

- Account # XXXX, listed as a medical collection for {$1800.00} with MEDICAL and currently in collections with XXXX XXXX XXXX 

- AccounXXXX XXXX XXXX, listed as a medical collection for {$830.00} with MEDICAL and currently in collections with XXXX XXXX XXXX. 



It appears my personal identifying information has been compromised and used without my consent to open these fraudulent accounts. Pursuant to 15 U.S.C. 1681c2 and 1692g, I am requesting these inaccurate accounts be blocked and removed from my consumer reports promptly after receipt of this notice.

I am also invoking my right to dispute these debts under 15 U.S.C. 1681s-2. Opening accounts and debt collections based on identity theft do not constitute a permissible purpose under 15 U.S.C. 1681b.

Please conduct a full investigation and provide debt validation as required by 15 U.S.C. 1692g. I will pursue all legal remedies if validation is not provided and the fraudulent accounts are not promptly deleted. 

Please contact me at XXXX to discuss your findings and planned actions. I appreciate your prompt attention to this serious matter involving potential statutory violations and identity theft. 

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

Last month I sent XXXX  XXXX  and XXXX XXXX brand new FTC reports confirming the accounts that are due to the 2017 XXXX  security breach or what have you but they were fraudulent both XXXX XXXX XXXX  did a fantastic job and experience did someone have a good job but they happen to have left one account on my credit file and that is the Discover card with the balance of around {$3000.00} that I never opened up. Before my attorney and I take XXXX and Discover card to court and were not going to settle I dont care if its {$1.00} XXXX we are going to court with jurors full-blown quart room if this discover does not get removed because it was noted on the FTC report you removed everything else except for that one account just Discover  pay you more money to rent space as a trade line XXXX? Having this derogatory account on my credit bureau has prevented me and my family from chaining financing during this on trying time on certain time in America you are a large banking institution with 0 % fraud liability what you are a a bunch of crooked lying thieves Discover card now Im giving you 15 days to remove this tree line from my experience in credit report or Im going to sue you for {$50000.00} plus pain and suffering I found it interesting that XXXX  likes to keep the 98 % down but theyll protect that 3 % to make sure nothing goes on their credit bureau thats blemished the whole monopoly a whole crooked monopoly and they even have a computer system that scores whether or not some thing is valuator should be removed or shouldnt be removed.
Product: Credit card

Two corrupt Best Egg employees criminally conspired to unlawfully retaliate and suppress a discrimination complaint. I was treated like a subhuman animal of the wrong race and these two employees- who were friends and wanted to protect themselves- did not want me to talk to a supervisor or file a formal complaint of discrimination- so they would disgustingly just hang up on me - like I was a dirty monkey - whenever I attempted to file a discrimination complaint. I believe based off on the racialist malice of these employees, they may be laundering money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX and Experian have allowed fraudulent attacks to my credit reports. I have lost more than {$100000.00}
Product: Credit card or prepaid card

I opened a brand-new credit card and made two payments of {$50.00} before I even received a statement to have my account paid a month in advance. I made a payment of {$50.00} on XX/XX/23 and I made another payment of {$50.00} on XX/XX/23. So as of XX/XX/23 I had paid them {$100.00}. My first statement came out and wasn't due until XX/XX/23 which I owed {$77.00} which I paid on XX/XX/23. They did not apply my {$100.00} payments to the statement they applied it to their fees. So they are now telling me that I owe them {$76.00} for my XX/XX/23 statement. According to their own statements, I only owe them {$150.00} and paid them {$170.00}. I told them about this and they said they can't do anything with the {$100.00} I paid ( credit it to my XXXX statement ) because I paid them " too early '' in their billing cycle. They told me that I still owe them the {$76.00}. So now they are basically demanding that I pay them {$220.00} to get my account current. They say that it is due to their billing cycle and because I changed my due date as of XXXX. That should have no impact on my prior payments.
Product: Credit card or prepaid card

I contacted Synchrony Financial to inquire about application of payments to promotional offers with different expiration dates. My contact correspondence is below:

--- Original Message ---
From: "XXXX XXXX XXXX" 
Received: XX/XX/17 XXXX XXXX MST
To: XXXX
Subject: Other Inquiries

I have two balances with different expiration dates. One expires in twelve months. The other expires in six months. How will my payments be applied to the two different balances with different expiration dates? Thank you.

--- End of Original Message ---

Synchrony Finanacial responded with:

Thank you for your recent inquiry regarding your Synchrony Bank account, and the opportunity to be of service to you.
If you would like the specifics how your payment is allocated or for additional information regarding multiple plans and/or promotions, please call customer service at XXXX.

--- End of Response ---

When I called the number I found it was unavailable during the times available to me.

I responded using the Synchrony Financial website mail form indicating I was requesting the Comptroller of Currency investigate why Synchrony Financial does not provide information on its web site describing how payments are applied to promotional balances due with different expiration dates.

The Office of the Comptroller of the Currency responded advising me to contact the Consumer Financial Protection Bureau.

Since my initial complaint to Synchrony Financial, I received in the mail a written response from Synchrony Financial stating "We will apply the required totalminimum payment to balances on your account using any method we choose."

This payment application strategy allows Synchrony Financial to apply all payments to balances with a greater expiration date while balances with earlier expiration dates go into default thus incurring non-payment penalties and a significantly higher interest rate.
Product: Credit card

I have a secured credit card with Capitol One, I had activity charged to my account in the amount of over XXXX dollars, and they closed acct, and issued new card, however the amount removed from bill ... they also did not re-install available credit amount that exceeds XXXX dollars
Product: Debt collection

A collection agency Resurgent is trying to collect a debt that they say I owed to XXXX XXXX  ( or the new owner of the debt LVNV Funding ) I spoke to XXXX. They have absolutely no record of any debt I owe to them or a customer of theirs. 

The debt collector said they would mail me a written detailed explanation of the debt. They have not sent such documentation. 

The will only repeat that I owe to LVNV Funding which purchased a debt from XXXX. 

I receive daily emails harassing me about a debt that I have no evidence belongs to me. Here is the contents of one such email -- -- -- -- -- -- -- -- -- -- -- -- - Hi XXXX, First, I wanted to thank you for visiting our Payment Options page. Hopefully you had a chance to review all of the options available for you. 
That said, if you're experiencing financial difficulty and would like to discuss options other than what you saw on our website, please let me know. Even if you're not able to pay right away, I'm sure we can work something out. 
Hope to hear from you soon. 
Click here to review options Please review your account details below : Original Creditor : XXXX XXXX  Current Owner : LVNV Funding LLC Account Number : Ending in XXXX Resurgent ID : XXXX Current Balance : {$410.00} View My Account Have questions or need assistance with your account? Hit reply to this email or visit the Contact page of our website here to connect with our friendly and knowledgeable Customer Care Team. 
Connect with us! 



Copyright 2023 Resurgent Capital Services, LP. All rights reserved Phone : XXXX ( XXXX ) XXXX Physical Address XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX General Disputes/ Correspondence XXXX XXXX XXXX XXXX , SC XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Hours of Operation : Monday - Thursday XXXX EST Friday XXXX EST Saturday XXXX EST Sunday XXXX EST Resurgent Account ID : XXXX Ref Code : XXXX Privacy | Unsubscribe THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
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 sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX SER Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; DEPARTMENT OF EDUCATION Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; RESIDENT VERIFY Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX CT XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX CT XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00}.