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

On XX/XX/XXXX my XXXX account was hacked and someone fraudulently ordered roughly {$8600.00} in tickets. They charged {$4900.00} to my XXXX Card and charged another {$3600.00} to a " XXXX XXXX '' account that was opened up without my knowledge. On XX/XX/XXXX I was able to have XXXX refund the money and close the credit account that was opened fraudulently. I just got a letter in the mail yesterday about XXXX running a credit check when opening the account and saw that my credit score was lower than it was previously. I then went and checked my credit score on my XXXX card ( it's one of their free features that I can see monthly ) and my score dropped about 23 points. The reason of it dropping was the account that was opened without my knowledge I'm sure. I don't miss payments and worked towards getting my score as high as possible. I was previously at 780+. I would like to have this charge removed from my credit history as it was fraudulent. If you need any more information please let me know.
Product: Mortgage

Our condo association of XXXX members approved an amendment to our XXXX. In order to file in Wis you must have approval of mortgage holders in addition to the owner 's consent. There are XXXX banks who refuse to sign and or have thrown up many road blocks to their signing. XXXX saying they have nothing to do with the loan after it is granted, the XXXX asks for information and when it is sent they ask for more info plus several times ask for same paperwork they already have.
Product: Debt collection

Account number XXXX. My name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX. IL XXXX.This company sent this account twiceto my credit report. Its a duplicate accountI have already told them I did not open these accounts. The statue of limitations already ran out and they reported the same account so it can stay in my credit report. I know this is illegal to do. I have request numerous of times to delete this account from all my credit reports. I am requesting for this company to delete this account
Product: Credit reporting, credit repair services, or other personal consumer reports

As outlined further in the letter sent to United Wholesale Mortgage, a fault in the autopayment system of the company caused a reported delinquency in a mortgage payment for my primary residence. Upon explaining the background of the issue, contacting the credit bueraus, and attempting to work with UWM to remedy the issue ( the account is always paid on time and is not delinquent to this day ), the company has refused to remedy the issue. UWM is nonresponsive to any further requests or appeals and reiterates solely the a " payment was late '' while failing to recognize the cause of the late payment or the failure of UWM to properly notify me as the consumer of the issue and how to remedy it. Regarldless of my continued logging in, at no point did the online portal show a delinquency and at all times displayed autopay as being active. I will need to continue the appeal process and move forward with litigation against the company in the event the continue to fail to respond. I would highly recommend against getting a mortgage with this provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today for the 5th or 6th Time I have tried to access my XXXX  credit report online on XXXX and I am not able to see my report or my score at all. I even tried to purchase my report and it does not allow me to, yet XXXX  still deducted XXXX $ from my bank account that is still pending. I have contacted XXXX  on at least two occasions with regard to me not being able to see my credit report any longer and they claim that everything is fine and that I should be able to see my report. I have had to clear my cache on my computer, I have deleted cookies, I have done everything to try and access something that I have always been able to see and nothing is working now as of XX/XX/2020 I first discovered that I could not see my report any longer and I noticed before that on XXXX XXXX that my score was not updating with some key disputes that I had submitted to XXXX. I contacted XXXX XXXX  and they deleted my account and had me to re-register. This did not fix the issue and not I can not even see my XXXX  report on XXXX XXXX. I also can not even access my report for free on the my free XXXX XXXX XXXX website. I have not been able to access that one for some years now. I am having this problem consistently with TransUnion and XXXX  in all actuality. The only report that I CAN SEE is TransUnion via XXXX XXXX. I am also not able to access my report from TransUnion either. I have provided each bureau with my identification documents, Drivers License and Social Security Card along with A recent bank statement. This had not made a difference and some of the time when I call into the bureau the automated system acts as if it can not verify my identity. This is causing me mental distress and I would simply like to view my report and make the proper disputes to inaccurate information that they are reporting and each company is hindering me from doing so. I have talked to many supervisors and I have talked to regular representatives, I have talked to the fraud department you name it I have talked to them all and I have not gotten anywhere with this issue. I need someone with the highest authority in the company to contact me and get this fixed for XXXX  and TransUnion. it is not fair that I am not able to see something that is so important that affects my life. I was told that one of the reasons that I could not see my reports was because of disputes in progress but this is not true because before I submitted any disputes I could not see my reports. This has been on going with TransUnion and XXXX  is now doing the same thing. I feel as if they are doing something shady and it needs to stop.
Product: Money transfers

I commissioned a XXXX on XXXX/XXXX/2015 through XXXX. The XXXX was to agree to my terms, and even replied with his acceptance : The XXXX submitted several mock ups, however - in agreement with the terms, I stated my disagreement with how the XXXX was handling the piece. The XXXX has received a XXXX $ pay, and will not respond via deviantart note, email, or other. He completely ignores me, and has not sent a mock up in two weeks. Below is the copy/paste of the note from the XXXX : alright, that seems fair as it is also the standard practice. 

-XXXX no less than 1 per week -whole body shot -half of XXXX following the first image and the last image. 
-your email : XXXXXXXXXXXX -my email : xxxxxxx all sounds good to me see you there at the web-based email service.
Product: Mortgage

On XX/XX/2020, I reached out via phone and email to AmeriHome Mortgage to inquire about loan payment processing. Specifically, I was inquiring why my loan payment has been applied at a higher amount to interest than what is outlined in the " Explanation of Amount Due '' for past 12 months? There is no explanation as to the reason on my monthly statement nor do I recall receiving any correspondence. I received the automatic reply from the institution but I have not received a phone call or resolution.
Product: Checking or savings account

BMO Harris Bank keeps charging me excessive overdraft fees and not even covering my overdraft although I signed up for overdraft protection they have never covered any overdraft but continue to fee me excessive fees for a {$2.00} charge in the negative at XXXX  XXXX XXXX they charged me {$36.00} I'm currently in a economic hardship and they refuse to reimburse me the excessive fees! Also they state they sending back my auto withdrawal from XXXX XXXX XXXX and charge me more and more although I opted into overdraft protection this bank is frivolous in that they excessively charge and fee u to much!
Product: Credit card

I had a CIti Bank Visa Platinium credit card No. XXXX in the name of XXXX XXXX. According to this card if Rs. XXXX/- is not spent in the first year then at the end of first year Rs. XXXX/- would be charged. But before the end of first year my card was lost and so was blocked and no new card was issued. Due to this reason my spending was less than Rs. XXXX/- and i was in perception that my Credit card is closed. But after few months I received statement charging the annual charges and stating that my card is not closed. Form then onwards every months they are charging interest on the amount. After my several request they are not hearing my complaint. If I do n't have a card how can I use it and fulfill the minimum criteria. 
I want that Company should understand my issue and reverse the charges and close my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX x XXXX XXXX XXXX ( XXXX ) credit card accounts show on my credit report. I have no business with this bank, did not request any credit cards and have no knowledge of these. All XXXX are delinquent and appear to have been requested fraudulently. I contacted all XXXX credit bureau agencies, and XXXX and XXXX have removed these fraudulent accounts from my credit records. But Experian have not, and have requested an FTC report to validate my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts showing late, this is incorrect. the statue for reporting thesis passed and should be removed XXXX Account number XXXX Account status Open Date openedXXXX XXXX, XXXX Account type Revolving account Usage : XXXX XXXX Balance on XX/XX/XXXX Credit Limit {$9600.00} {$12000.00} XXXX XXXX Account number XXXX Account statusClosed Date opened XX/XX/XXXX, XXXXAccount type Revolving accountBalance on XX/XX/XXXX Credit Limit {$0.00} {$20000.00}
Product: Credit reporting or other personal consumer reports

What happened : Unmailable addresses, specifically XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX in violation of the Fair Credit Reporting Act ( 15 USC 1681 ), persist on my credit report despite multiple attempts to rectify the issue with the credit reporting agencies. These addresses have no association with me and are causing confusion regarding my creditworthiness.

Actions Taken : - Reviewed credit reports from all major bureaus.

- Identified unmailable addresses listed, a violation of 15 USC 1681c.

- Disputed addresses with credit bureaus, as per 15 USC 1681i.

- Filed a report with the Federal Trade Commission ( FTC ) regarding the inaccuracies.
Product: Debt collection

I received a phone call at my place of employment from someone who identified them self as a XXXX XXXX at XXXX who was trying to collect a debt. This is the first contact I have had with this party and have received no mail etc I do not know the name of the company and I have no address to send a letter to request a verification of said debt. I do not want to be contacted by phone at work or at home and would prefer email contact. I need verification of said debt and original creditor and any supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on my credit report : 1 : XXXX XXXX - XXXX 2 : XX/XX/XXXX - XXXX 3 : XXXX XXXX - XXXX 4 : XXXX XXXX XXXX - XXXX 5 : XXXX XXXX XXXX - XXXX 6 :XX/XX/XXXX - XXXX
Product: Credit reporting or other personal consumer reports

The company in which I disputed the accuracy of the reporting to the credit bureaus was not resolved they are still reporting inaccurate and inconsistent with the other reporting bureaus which violates my rights for fair reporting because it is inaccurate which I provided a copy of my report that shows all XXXX bureaus reporting differently. To resolve this issue I want this deleted or I will move forward with a lawsuit because reporting inaccurate information is against the law according to 15usc1681i 15usc 1681s2 15usc 1681i5 15usc 1681eb Please delete these accounts expeditiously!
Product: Credit reporting, credit repair services, or other personal consumer reports

I voluntarily closed my GS Bank XXXX  Card account and I need it marked as CLOSED BY CONSUMER on the normal XX/XX/30 reporting date but if not immediately thereafter as it would be a willful FCRA violation to wait until XX/XX/XXXX or XX/XX/XXXX XXXX
Product: Credit card

My due date was on a Sunday, XXXX/XXXX/16. The payment was delivered on Monday, the next business day, and yet I was charged a {$25.00} late fee. I have never made a late payment in the lifetime of the account and I am concerned this is an intentional practice to extract late fees for payments that can not be delivered on days when banks are not in session.
Product: Debt collection

I have received several letters of correspondence from this company. I have wrote several cease and desist letters to this company. I have stopped receiving correspondence from them for a few months now they are sending collection letters again.
Product: Debt collection

I have been informed by XXXX XXXX XXXX XXXX XXXX my account has been sold to jcap.com I did not get rest of personal wealth invested in software to reside in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Its a very complicated and hard to explain but I have fallen victim to multiple major corporations and my previous employer illegally accessing and changing my credit reports. They have intentionally mislead me, confused me and ruined my life. I can barely focus on my day to day simple activities. It has become unbearable they way they change emails, hide job opportunities and erase important information from my phone. It is the worst form of torture possible. The mental anguish is unbearable. I just learned I was part of some XXXX XXXX  that i didnt even agree to. My credit is ruined and I cant concentrate on anything. I am tying so hard not to apply for unemployment. Im living day to day and behind on all my bills. My credit report says I own property that I never have been to or know about. These companies have destroyed me. Between XXXX, XXXX XXXX XXXX XXXX  XXXX Tn. And cash app falsely submitting things and intentionally and knowing torturing me with there half truths and revised terms and conditions I dnt know who to turn to.
Product: Credit card

On the statement, a notice appeared stating that if I wanted to switch cards to a no fee card, I could call them and do so. When I called I was told that I needed to " apply '' as a new customer, but with a notation on my account that my existing credit line would automatically go to the new card. I did that, and the application was rejected. Barclays told me that I could switch cards, then after I asked to switch I was rejected. I sent two letters asking for an explanation, and received ZERO replies. The letters are attached.
Product: Checking or savings account

I've been a customer of wells fargo since about XXXX XXXX and XXXX until XXXX of XXXX XXXX XXXX XXXX. I have had my account closed for random unknown reasons like what just happened with my account being closed and they stated it was because a check was trying to be deposited online. Throught the years I ha v XXXX lost car payments and housing payments. XXXX ended up getting repoed. I received letters this year for return of funds it totalled about XXXX nowhere near what I have l Iost or time ran out for me to call in and claim with my claim number cause I was in hospital.
Product: Checking or savings account

My husband ( XXXX XXXX XXXX and I ( XXXX XXXX ) use bank of america as our bank since it is next to our business in XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, typically have many cash deposits to the bofa atm. A few months ago, we noticed that after cash deposit there were immediate withdrawals of cash. This doesn't make any sense to us because we would not need to deposit if we just wanted to keep the cash. We believe these are fraudulent transactions. We tried to file a complaint with bofA but were denied they only sent us an image of our pictures in front of the atm as proof. This is not sufficient evidence as sometimes the cash deposit is over XXXXXXXX XXXX and multiple transactions must take place so multiple images at the atm would be correct. Here are the dates and transactions we have found to be fraudulent. 
* denotes fraudulent transactions 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  of unauthorized cash taken from our business checking account. We know it is fraudulent. 
These withdrawals are not mine or my husbands, why would we withdrawal cash when we already have it from the business. We tried to dispute it with bofA fraud department but they have just sent us images of us at the atm at different times, which makes sense because they have a limit of XXXX XXXX per deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Response to cfpb XXXX. I'm not sure if you understand. My husband was unable to understand what he was signing. He has bad XXXX  and can't be held legally responsible for that XXXX   form. I have proof he is not culpable in understanding at times that is why he is not allowed to sign anything without me and I wasn't there the day that XXXX form was signed making it null and void. Please remove file your taking advantage of a disabled person. I'm a legal representative of a permanent XXXX disabled person. You have to remove the file. Check the camera I was not present.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 paid the debt for XXXX XXXX original creditor XXXX XXXX XXXX. I asked XXXX XXXX to remove the account and they said they are not responsible to do so. 

I have paid the account in full and i would like it removed from my credit report especially as an open derogatory mark.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX  accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX XXXX accurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reporting on my credit XXXXXXXX XXXXXXXX XXXX XXXX XXXX  reporting Previous rental companies still reporting on my credit, Etc.
Product: Debt collection

Dear Sir or Madam ; This is a letter that I am writing to several parties as a means to bring clarity to my situation as well as dispute and resolve this. I have been making attempts since XXXX when this matter was first brought to my attention. 

I am erroneously being held responsible for student loans with Higher Education that I never initiated. When I went to XXXX XXXX XXXX in New York in XXXX I signed for student loans with XXXX XXXX. I started repayment approximately XXXX after graduation and fulltime employment with XXXX. I made monthly electronic payments of {$500.00} to approximately XXXX. I received a letter of satisfaction. I have settled this debt in full. 

Electronic payments were made through XXXX. When I contacted them to request proof of payments, they advised me that they are unable to investigate anything beyond 10 years. 

During a move from XXXX XXXX in XXXX, New York to XXXX XXXX, New York the bag with papers and other personal effects were lost. In this bag contained the pertinent letter ( amongst many other important items ) necessary to provide to show this debt has been paid. 

When I contacted XXXX XXXX directly ( customer service representative XXXX, employee number XXXX ) advised they do not have any records whatsoever for me. I was then referred to Naviant and spoke with XXXX. Naviant researched their records/files, including their archives. The only documentation they have is for a loan disbursed in XXXX that has been paid ( loan number XXXX ). 

I was referred to Naviant because all XXXX XXXX records were forwarded to them. Which brings me to the most perplexing matter ; If my loans were with XXXX XXXX, paid off with XXXX XXXX in XXXX, and all records transferred to Naviant and they have no record of an outstanding debt then how did Higher Education, XXXX XXXX, and XXXX XXXX become a matter of concern? 

I asked for validation and verification. I was sent a typed document with mark XXXX integrity token in the signature line. I was not sent my original documents as stated is required. How is it possible for me to be responsible for these monies? This is unfair and simply criminal. This debt is not mine. Please, please help me. My entire life is a stand still for matters that are not mine. 

This should be removed from my credit report and my name cleared. Please reach out to me with any questions. This is not my loan and other wise has yet to be shown.
Product: Checking or savings account

On XX/XX/XXXX Citibank send me a letter saying that they were going to close my account they didnt give no reason I tried calling and they hanged up on me telling my no reason for the closed account so I wait the 60 days that they said it was going to take to close the account and nothing yet I tried call again and same thing hanging up on my and saying I need to wait thats not fair I need my money I want to know where can I get help Im so desperate I need my money all my account whent negatives because of this problem and they dont care Citibank