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

I have sent multiple letters to Experian National Consumer Assistance Department XXXX  Consumer Relations, and XXXX XXXX XXXX XXXX about multiple unknown collection accounts that have been reported on all three credit reports. <P/>Experian National Consumer Assistance Dates : Certified Letters : X/XX/2017,XX/XX/2017. Online disputes : XX/XX/2017, XX/XX/2017, XX/XX/2017,XX/XX/2017. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and unverified ), XXXX XXXX XXXX ( XXXX {$450.00} closed unverified ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Hospital {$1100.00} closed unverified ) XXXX Consumer Relations Dates : Certified Letter : XX/XX/2017. Online Disputes : XX/XX/2017, XX/XX/2017. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and still unverified ), XXXX XXXX XXXX ( XXXX {$450.00} open unverified ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Hospital {$1100.00} open unverified ) XXXX XXXX XXXX XXXX Dates : Certified Letter : XX/XX/2017. Online Disputes : XX/XX/2017,XX/XX/2017, XX/XX/2017,XX/XX/2017, XX/XX/2017, XX/XX/2017. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and unverified ), XXXX XXXX XXXX ( XXXX {$450.00} closed unverified ), XXXX XXXX ( {$24.00} closed unverified ), XXXX XXXX XXXX XXXX ( {$160.00} closed unverified ), XXXX XXXX ( {$50.00} closed unverified ) These companies, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amounts listed above with XXXX, Experian, & XXXX credit reporting agencies. I requested verification of the debt and account however the business and credit reporting agencies have failed to provide adequate proof. Instead of deleting these accounts ; they have been closed and remained open with derogatory remarks on my credit file which has caused not only XXXX but slowed down the process of buying my first home. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TWO ACCOUNTS WAS DELETED FROM MY EXPERIAN REPORT BUT EXPERIAN IS STILL REPORTING IT AS AN COLLECTION ACCOUNT. PLEASE SEE THE STATEMENTS FROM THE SUPPORTING DOCS.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I got a small loan from EnerBankUSA through XXXX XXXX to replace a sewer line. In XXXX XXXX, I tried to contact them about increasing my payment but couldn't talk to anyone or do it through the EnerBank website. After a frustrating month, I learned that EnerBank had been bought by Regions Bank. I tried repeatedly to talk to Regions about the EnerBank loan but they didn't even know that Regions bought EnerBank. The most recent conversation on XX/XX/XXXX, I was told that Regions didn't service EnerBank loans. I got a letter from EnerBank saying I owed {$23.00} in addition to the required payment- for what? The customer service number on the letter has been disconnected. Tried to access my EnerBank online account which says they don't recognize my email- the same email they send payment reminders monthly. Federal Reserve told me that Regions bought EnerBank in XXXX. I did not receive a XXXX annual statement from EnerBank or Regions. Where are my auto-payments going? Who is servicing the loan?
Product: Mortgage

I applied for a construction loan from Wells Fargo. I was told that the transition from the construction loan to the conventional loan was relatively easy and straight forward as long as the home was completed within XXXX year. During the initial application process Wells Fargo kept asking for the same information and updated information since they had lost data and other data had expired due to their delays. The initial closing date kept moving out and I felt it was too late to start over with another lender. When I went to close on the construction loan the rate was 5.15 % interest only instead of the discussed 5 %. When the house was completed and I wanted to switch to a conventional fixed rate 30 year mortgage Wells Fargo delayed every step of the way. They had only XXXX people in the whole country for construction loans despite being the largest lender in this market segment. XXXX of the customer service representatives left and the remaining customer service rep was completely overwhelmed. Documents were lost and communication was absent. The delays on the Wells Fargo side triggered new demands for documents as previous documents had expired. The title and appraisal was incorrect which caused additional delays. The entire mortgage process was an unprofessional mess and costly in terms of time and money. The part that bothered me the most was that every time Wells Fargo delayed the conventional closing they made more money. The interest rate on my conventional loan was 4.625 % which included interest and principle vs 5.15 % interest only on the construction loan. Every mistake and delay caused by Wells Fargo cost me time and money while improving their profit.
Product: Checking or savings account

On XX/XX/2022 I noticed my Citibank accelerated savings account had been closed without any notice. The account held a considerable amount of savings that I built up and contributed to regularly. In the sum of a little more than {$10000.00} USD. There was no email notice. I only received a hard mail notice weeks later that due to a fraud risk they closed my account. 

I called 4-5 different times and spoke to fraud representatives of Citibank but they were highly unhelpful and said I would receive my funds via mailed check within 30-60 days. I asked to speak to a manager and they said they dont have a manager for me to speak to. They all sounded like they were speaking from a script and regularly cut the phone call while I was still asking questions and for help. 

Ive been reading multiple consumer complaints online that have had the same issue and it took very long to receive their funds or still have not received their funds. I am starting to become concerned. Many online reviews are negative. 

Citibank has not been able to communicate effectively about my concerns and I am starting to worry that I will not receive my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I spoke with a representative @ XXXX to report my previous address were incorrect. They representative told me the addresses were removed. I just received a copy of my credit report and the incorrect previous address are still reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX never been my address Date Reported : XX/XX/XXXX - not factual I was living in XXXX XXXX TX XXXX XXXX XXXX XXXX MS XXXX This is my mother in laws house I have NEVER LIVED there. Date Reported XX/XX/XXXX XXXX. XXXX XXXX XXXX MS XXXX This XXXX. XXXX is not mine it belong to my husbands family in the late XXXX I was a child, was unaware of my husbands family at that time. Date Reported XX/XX/XXXX My spouse history is not Mine Transunion and XXXX   keep telling me that these address are associated with accounts which is not factual. All of my creditors have a XXXX XXXX Texas address and a XXXX MS address.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX, XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XX/XX/XXXXXX/XX/XXXX with a balance of {$1500.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX XXXX XXXX  as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I received a {$500.00} Amex gift card sealed in an envelope for a work gift from my employer. The card had the full amount in XX/XX/XXXX when received, I used it several times to make purchases in XXXX and had {$210.00} remaining on it. I went to use this card at a retailer on XX/XX/XXXX and it was declined. I checked the account balance and it was {$5.00}. There were 4 unauthorized transactions at gas stations from the month of XX/XX/XXXX that I did not make, in a completely different county than where I am located. The transactions that were unauthorized, totaled {$200.00} all from XXXX XXXX, attaching an image of the transaction dates and amounts. I called Amex Gift Card services right away on XX/XX/XXXX and they told me that I have to call the merchant myself and they can not file a dispute but if the merchant can't help to call them back. I called the merchant - XXXX  XXXX on XX/XX/XXXX and my call ref. number is XXXX. They informed me that they can not help me and that I need to file a dispute on the charges with Amex. So I called Amex back on XX/XX/XXXX, was on hold for roughly an hour and the representative said flat out, you have to contact the merchant. I told her I did and she said that Amex can't do anything or file a dispute, I can only contact the merchant. I am extremely frustrated that Amex won't take accountability for this. Clearly, the gift card 's information was somehow stolen from Amex, even though I have the physical card and Amex refuses to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing a copy of my credit report I noticed some accounts being reporting that were opened without my knowledge or consent. I took action by completing a FTC identity theft report and sending it to all three of the major credit bureaus ( XXXX, Experian, & XXXX  ). I also noticed that my personal information being reported was inaccurate which included fraudulent addresses and incorrect date of birth. It has been 30 days and I have yet to hear from the credit bureaus in regards to receiving any verification or correspondence regarding my dispute. I am aware of the Fair Credit Reporting Act and statues 605b, 609, and 611 which Experian has violated my consumer rights but not providing any verification within the 30 day allotted investigation time. Experian must remove the four fraudulent accounts in question or face litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 5 ) Treatment of inaccurate or unverifiable information.- ( A ) In general. -If, after an 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 ; I have been in dispute with Exeter Finance LLC for months requesting they provide the necessary evidence of a lawful debt ( a signed INVOICE ) and also a contract with both party signatures Mines and Theirs ( The Corporation ). I did reserve my common law rights UCC 1-308 and also agreed to pay any lawful debt which I may owe on those conditions. Instead I have been receiving a Statement and a Third Party Contract, which a Statement is not an INVOICE and a third party can not sign a contract on their behalf. I requested that they write confirming the Debt to be fully discharged and I owe them nothing. I never received that either, even after contacting their consumer complaint division and writing to the President of the Corporation, as of now consumer reporting agencies are reporting the debt as a charge off but Im still awaiting for a signed invoice of their claim against me.
Product: Credit reporting or other personal consumer reports

I was looking at my report an notice there were some things was not correct. I sent a letter to TRANSUNION but it has been more than 35 days trasnunion still haven't responded to my letter.That is a violation of 15 1681i ( a ) Under the USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and expect as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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  delete these accounts immediately because of violation of 15 USC 1681i ( a ) ( 1 ) ( A )
Product: Vehicle loan or lease

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Product: Debt collection

On XX/XX/2022 I checked my XXXX  credit report and noticed that I had a past due loan from affirm that was sent to collections. I did not take this loan out. This was fraudulent activity. When I tried to log in to XXXX, the account associated with my social security number did not reflect my phone number, email address, or physical address, but it used information associated with my ex-wife. I never received any notice of a debt accrued, nor did I receive information regarding my right to dispute the charges. I just caught the fraudulent activity today, XX/XX/2022 or else I never would have known about the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts on my credit are multiples and needs to be removed. XXXX was never an company i used, that would be considered identity theft. And for the last two, I was never late on my payments. I tried to rectify these and had no luck. Please assist me. Thank you Accounts Reason XXXX XXXX This account is a duplicate, please remove. 
XXXX XXXX XXXX This account is a duplicate, please remove. 
XXXX XXXX XXXX I was never late making a payment on this account. 
XXXX Please correct immediately. 

XXXX XXXX I was never notified by the creditor that my XXXX payment was late. Please delete this late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity Please block this information from report Im a member of the equifax data breach & i have filed my claims accordingly i have been attempting to clear credit report of these fraudulent items XXXX Report Number XXXX XXXX File Number:XXXX Equifax File Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX
Product: Checking or savings account

{$6300.00} of unauthorized transactions was taken from my bank account from XXXX from XXXX. I have contacted my bank and the merchant and neither one says they can help me. Wells Fargo told me to reach out to XXXX that they denied my claim and will not pay it/ give me my money back. XXXXXXXX XXXX told me to reach out to my bank. I did not authorize these transactions from XXXX.
Product: Checking or savings account

I was charged a {$38.00} dollar overdraft fee on XX/XX/19 for a {$60.00} draft on XX/XX/19. After the {$60.00} draft on XX/XX/19 the balance shows more than {$1200.00} in the account. The bank 's customer service line says they did nothing wrong. I need help recovering this fee please. {$38.00} may not seem like a lot to the bank but it's a lot to this middle class consumer.
Product: Debt collection

Credence Resource Management has called my office phone number multiple times a day for awhile. When I do answer, there is no one on the other end and it hangs up within about 5sec. They never leave a message. I have no idea what this could be about. I do not have any delinquent debts and I check my credit report annually for fraud. Below are the dates and times they have called as far back as my phone tracks : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX- XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give this company permission to view my consumer report. 

ALLY FINANCIAL XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Collections XXXX XXXX XXXX {$3200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$3200.00} High Balance {$2900.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX {$250.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$250.00} High Balance {$250.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX {$1000.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1000.00} High Balance {$1000.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX   {$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$0.00} High Balance {$120.00} Remarks Paid collection XXXX XXXX   XXXX XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$3200.00} High Balance {$2900.00} Remarks -- XXXX XXXX XXXX XXXX 
{$250.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX 
Original Creditor XXXX XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$250.00} High Balance {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX 
{$1000.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX 
Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1000.00} High Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
{$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX 
Original Creditor XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$120.00} Remarks -- all filed to ftc