23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX 2016, it came to my attention via my credit monitoring with all XXXX credit reporting bureaus ; XXXX, XXXX and XXXX that ( XXXX ) credit cards had been opened and utilized in my name with American Express. I notified American Express both via the phone and by filing a complaint with the CFPB regarding these accounts. On XXXX XXXX, 2016 I received a response from American Express REF # : ( XXXX ) concerning my case. In the letter American Express acknowledged that XXXX of the XXXX accounts was in fact deemed fraudulently opened where as the other XXXX were still under investigation. It also stated that it could take up to 60 days for their investigation to be completed. 

This past Thursday. XXXX XXXX, I was notified a total of ( 3 ) times by their now collection company representing one of the accounts that I originally disputed ending in :XXXX, the Amex Everyday card by their third party collection company ( XXXX ). They confirmed that the account they represented was the Amex everyday card ending in the aforementioned account number, that was all they would verify, and that they amount that was owed was {$2900.00}. I explained to multiple people during one of those phone calls that the debt was not mine and that I had already filed a complaint with the CFPB concerning this. Needless to say, they did n't care and proceeded to warn me of my consequences if I were to not rectify this debt by paying them. 

I am now filing another complaint to the attention of Amex concerning the remaining ( XXXX ) accounts that I have yet to receive a response on. Nevertheless, apparently AmEx has taken the liberty to assign and subsequently sell this debt to their collection company. First and foremost, I have never in my entire life had any accounts with this bank nor any of their co-branded affiliates. Again, I am disputing this account along with any other accounts that my be considered still open, sold or presently under investigation accordingly. 

Regards, XXXX XXXX XXXX
Product: Credit reporting

EQUIFAX IS REPORTING A CLOSED ACCUNT I HAVE WITH XXXX XXXX XXXX XXXX XXXX FOR A CHARGED OFF AMOUNT OF {$15000.00} AS OPEN THROUGH NUMEROUS CREDIT REPORTING COMPANIES. XXXX XXXX AND MYSELF HAVE COME TO AN AGREEMENT TO SHOW THIS ACCOUNT AS CLOSED ONCE THEY REPORTED THIS AS XXXX ADDITIONAL INCOME TO THE IRS WHICH I WAS MADE TO PAY TAXES ON. XXXX AND EQUIFAX REFLECT THIS UPDATE. I NEED EQUIFAX TO SHOW THIS ACCOUNT AS CLOSED AND NOT OPEN.
Product: Checking or savings account

I have a case with an XXXX office chase worker by the name of XXXX. My case number is XXXX. The number to contact and reach XXXX through the XXXX XXXX office is XXXX ( XXXX ) XXXX. 

Essentially, I deposited an estate check, worth XXXX XXXX dollars, to Chase in which they told me I can not access because the account I deposited it into is a personal and not an estate account. They said the check CLEARED. Meaning XXXX is HOLDING my funds. 

1. I am the executor and beneficiary of the estate in question. The EIN associated with this check is tied directly to me.

2. This situation does not require an estate account because the funds are not part of a probate-related issue. This check is legally tied to my role and should be accessible through my existing account. 
3. Requiring an estate account in this instance is a misinterpretation of banking policies. 

So they need to mail me my funds.
Product: Debt collection

On XX/XX/XXXX I pull my credit report and found that FINANCIAL RECOVERIES ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX  ACCOUNT # XXXX ALL THESE ACCOUNTS. 
I am filing this complaint against them for non-compliance violations. I wrote them a letter of validation on XX/XX/XXXX certified mail with return receipt. They received on XX/XX/XXXX. The FINANCIAL RECOVERIES has the following non-compliance violations:1 ) They show no proof that they have an agreement with the original creditor to collect this alleged debt. 2 ) They have no copy of a signed contract where I allegedly agreed to pay the charges. 3 ) The medical bill reveals personal medical information about me. ( This is violation HIPAA- HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ), rules prohibit disclosing my individual 's protected health information unless you specifically authorized them to. 4 ) Creditor is reporting history inaccurately such as last date reported and last activity dates are all wrong : The case US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. This defamation and causing me financial injury. The fine extent of damages incurred by the wronged party as deemed by the court. 5 ) Collection agencies " Re-Age '' by reporting the date of last activity instead of the date of the first delinquency. 6 ) Collection Agency, has not validated my debt and they are still continue to report to the credit bureaus. Consumer protection afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter XXXX  from XXXX  fine of {$1000.00}. Be aware that I am making a final goodwill attempt to have you clear up this matter by removing this item from my credit report.7 ) Collection Company fail to report a disputed debt to the credit bureaus. Protection afforded by the FDCPA Sec. 807 ( 8 ). Fine of {$1000.00}. I am maintaining a careful record of my communication. I further remind you and the credit bureaus as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14, 1995 ) you may be liable for your willful non-compliance. This matter is harmful to me especially doing this COVID-19 panedamic please delete immediately.
Product: Credit reporting or other personal consumer reports

I am the victim of the Equifax Data breach that has compromised my social and caused several fraudulent accounts and inquires to be placed on my consumer report. These accounts need to be removed and blocked. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company did not take the steps to contact me regarding the balance of this medical bill debt, which I believe was paid for around the year XXXX or XXXX and has not shown up on my credit since it was paid for. 

The 3rd part debt collector has went to court without serving me the legal information for me to also be present in the court of law. The medical bill was from a XXXX XXXX XXXX  XXXX and my bank account has been garnished 8 years later after the debt has been removed from my credit.
Product: Debt collection

I received from my employer a Judgement/wage garnishment from Midland funding. I contacted Mindalnd Funding immidietly, trying to figure out why I was receiving a judgement/garnishment. It was for a credit card debt owed by my exhusband. I explained to Midland Funding that the credit card owed was a legal responsibility of my exhusband, but Midland funding only gave me the option of paying the amount in full ( along with legal fees and interest rate ), or Midland would move forward with wage garnishment. I paid the debt with the understanding that if paid in full the judgement and collection will be removed, since I never received notice of debt or right to dispute, prior to judgment/wage garnishment. The debt did not belong me, it legally belonged to my ex-husband and was docummented on divorce paperwork ( legal document ).
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. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX, XXXX, XXXX Disputing information on credit repirt I am writing to dispute inaccurate informatiin that your company supplied to the creditor listed above ( XXXX experian, XXXX ) Here is a list of inaccurate accounts XXXXXXXX XXXX acct number XXXX XXXX  XXXX acct numberXXXX XXXX XXXX XXXX XXXX acct : XXXX According to my records the information you are reporting inaccurate. I demand that you remove this information. 
By provision of the fair credit reporting act of 1970, U.S.c $ {$1600.00} et seq., I demand that these items be reinvestigated and deleted from credit record.

Under the terms of the section 1681 ( i ) of the act, you have 30 days from the receipt of this letter to verify this disputed information.

Also, pursuant to 15 U.S.C.Section 1681 ( d ) of the act, please notify me when the items have been deleted
Product: Credit reporting or other personal consumer reports

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate Experian XXXXXXXX XXXX XXXXXXXX Account number xxxx
Product: Credit reporting, credit repair services, or other personal consumer reports

We were discharged from our Ch. XXXX Bankruptcy in XX/XX/2020, our mortgage company XXXX reported to the credit bureaus in XX/XX/2020 that our mortgage was {$280.00} dollars past due for over 180 days ( which would fall when we were in bankruptcy ), but when they reported this they had not reconciled our mortgage account from the bankruptcy, once they reconciled our account ( XXXX XXXXXXXXXXXX   ) it was current, nothing past due. So XXXX mortgage had our money in one of the accounts but had not applied it to where it needed to be before they reported negatively to the credit bureaus.
Product: Mortgage

XX/XX/year> attempted to login to online account but website says is does not recognize my account. I tried to reset the account but the website said I have an account already-which is true. I paid my mortgage via phone but did not get an email confirmation. 
XX/XX/year> called the number provided in voicemails asking me to call but the system will not give me an option to speak to a rep. i went through every option on and was not able to speak to rep. I emailed customer service and asked my account be unlocked and stated the issue. I revied a auto response. 
XX/XX/year> I went through the same steps as on XX/XX/year> XX/XX/year> I checked to see if my account was unlocked. It is not. I called the number but dialed XXXX first. There are different options but there is still no way to speak to a representative to discuss issues and solutions to my concerns. There is no customer service and the servicer has complete control over my communication and situation. 
The website and phone system asks you to login to your account but the servicer does not allow this. The servicer has left messages asking me to call them but will not allow me to speak to a rep. My payments are current.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  # XXXX, has violeted my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as a late for a purpose
Product: Debt collection

I applied for an auto loan today. The car dealer informed me that I have a derogatory collection on my XXXX credit report. He informed me the debt was from the City of XXXX and the collection agency that handles the debt is Rash Curtis & Associates. I was never aware of this debt nor did I ever receive any notification from Rash Curtis & Associates. I want them to validate this debt.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian on XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX. 
So I then asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to inthe consumer for that description. 

But they did not do that as well either. 
They are also breaking these laws as well below. 

According to 15 USC 1681i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. This is unfair to me.
Product: Debt collection

This company is claiming that I owe them {$2600.00} for an apartment that 's in XXXX when I 've been a Louisiana resident since the day that I was born. This company claim to have a copy of my signature with someone else 's signature as well. I have never even heard of this company. Somehow they 've gotten my fathers address and are sending things to him when I have n't lived at that address in years. How can two people both owe {$2600.00}, if anything that debt should be split amongst two people. When asked to validate this debt, they sent me a copy of a lease with a signature that 's not even mines. The dates that they are claiming I " moved '' in is impossible because I started my lease where I live now in XXXX. I ask that this company take the time to investigate this issue or Remove this debt from my credit reports, because I do not owe anyone {$2600.00}. I also, DEMAND that this company send me an agreement proving that they have the right to collect on this debt that I supposedly owe. If this matter is n't handled properly, I will be forced to report to the Federal Trade Commission.
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. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 This complaint shall be my follow-up to make sure that the listed accounts are verified and repaired.
Product: Debt collection

This collection company has been repeatedly calling me daily at both my office and cell phone. I have notified all creditors that I am moving forward with a personal bankruptcy and I'm still being harassed.
Product: Checking or savings account

I have been a Wells Fargo customer for more than 15 years for both Business and Personal accounts. Over the last 2 - 3 years as I began moving my business account to XXXX XXXX XXXX, Wells Fargo began charging me overdraft fees for the previous day, even though my account was not negative. My deposits go directly into XXXX XXXX XXXXXXXX now, but I still have some auto paying bills that have not moved over yet. I have an alert set up on the account if my balance is low or goes negative, so I can make a deposit to cover. Over the last 2-3 years, I have been charged well over $ XXXX in overdraft fees. A good example, I was on my account this morning and it was not negative. I got an email and text at XXXX XXXX that my Wells Fargo account went below my balance, which is the alert I set up. I saw when I logged on that a {$35.00} overdraft fee was charged, because the date on the withdrawal was yesterday, but my account did not go negative until today. My account was not negative last night or in the morning. I transferred money into my account to cover the payment. I have called several times to Wells Fargo about this and they say the transaction time is from yesterday when it came into their system and the money was not in the account at the time of the transaction. They hadn't paid or reversed the transaction yet, and I had the same amount in my account last night as I did this morning. The alert, overdraft, and withdrawal all came in at the same exact time at XXXXXXXX XXXX. Always before a couple of years ago, if a transaction like that happened in the past, I would get the alert, cover the withdrawal and no overdraft. They have taken literally XXXX of dollars from me in overdraft fees on this technicality. I have called and asked how can you assess an overdraft at the same time you send out an alert, but the answer I get is it is a system issue. This " systems issue '' excuse only propped up in the last couple of years. I am trying to get away from them as fast as I can, but I have been a customer for so long that I have a lot of bills that I still have to move to XXXX XXXX XXXXXXXX on my already busy schedule.
Product: Student loan

I have had awful experiences with Navient including : Being signed up for forbearance 3 times, improper disbursement of payments, harassing phone calls at all hours of the day, all day, in excess of 10 times a day, to myself and my family that cosigned. I was never encouraged to enter a repayment program. Since learning about repayment programs, I attempted to enter an income based repayment program but was told I could not do so at the time. I also attempted to consolidate all of my loans together into one. They denied that request but went ahead and consolidated together a couple of my smaller loans which did not benefit me in any way. As a matter of fact, that consolidation hurt my credit significantly. When I challenged them about this consolidation they told me they could not do anything about it now. I then asked for the promissory note bearing my signature to this new consolidation loan ( which I knew did not exist because I would have never signed off on what they did ) and they assured me they would send it by mail. They never did ( of course not ) and I am not in any better place than I was before with my loans. As of writing this I owe {$100000.00} for an XXXX Degree I earned in XX/XX/XXXX. They took a systematic approach to increase my debt as much as possible since getting these loans in XX/XX/XXXX at every level. It has been a nightmare that has affected me at every point of my life. I continue to struggle to find my financial footing and have postponed many benchmark achievements in my life due to struggles over this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is with XXXX. They reported me late when I wasnot late. I spoke with the woman at XXXX with my banker on conference with Me and XXXX. We went over line by line each payment and the date I made them. Verified the information they are reporting on the bureau on their own. I paid payments XXXX at a time on several occasions. I paid XXXX. Not the amount XXXX. 
So when XXXX reports to the bureau I'm late because I didn't make a payment for the next month ... they report me as 30 days late when I'm actually 30 days early. 
I spoke with the lead supervisor who informed both my banker and myself on the phone. She sees the error. However ; XXXX does not correct any of their reporting. The company policy is what they report is what stays correct or not. 

This is causing me at age of XXXX wants to buy a condo to retire.this filing has caused my credit to drop so low I can not purchase a home. 

I need XXXX to please fix the mistake they made. I doubled my payments so not to have an issue and they still reported incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. An unknown person has been using my identity to open bank accounts, rent houses and apartments, open credit cards, obtain loans and other fraudulent activity. They have been using my identity to my knowledge since 2016. Accounts opened fraudulently in my name includes XXXX XXXX ( XXXX ),  XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX and more. There have been addresses on my credit reports, jobs, businesses and telephone numbers that have been fraudulently used without my permission. I have tried contacting these companies to report the problem but they all respond with " I am liable for the account '' based on their " payment history information ''. I have disputed these accounts With XXXX, XXXX and Equifax. XXXX has successfully updated and deleted the fraudulent accounts from my credit report. XXXX as also deleted some accounts from my report excluding XXXX XXXX XXXX ( XXXX XXXX   ) which still remain on my XXXX report after multiple disputes  and Identity Theft Report sent. Equifax have not removed anything from my credit report after calling and disputing the fradualnt transactions by phone and sending 2 deputes by mail with NO RESPONSE! Someone has been living their life for years pretending to be me, using these accounts to live a normal life while I suffer unable to get jobs, apartments, credit cards etc because of Identity Theft. Under the Fair Credits Act 15 U.S.C. 1681, I am requesting this information to be removed.