23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This complaint is for ALL Future, Past, And Current reports to my consumer report.

15 U.S. Code $ 1681b - Permissible purposes on my consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion and correction of any and all accounts IMMEDIATELY.
Product: Debt collection

I have contacted Americollect, twice in 2019 and earlier this year about this situation. I explained to them that I had no debt with their business. And to send a copy of the agreement that I signed. I never done business with them before. They never produced the contract. So a few months go by they are still on my credit report. So I repeated the same phone call to them. Still no response. A year later it's been showing up on my report as customer dispute. The account was fraudulent and they refuse to get off of my credit reportting. I really hate their bulling tactics and unprofessional approach. I'm sure this is not the way things operate.
Product: Credit card

A Kohls Credit Card was sent to my home address and when I looked at my XXXX XXXX, it shows that a Kohls Credit card was opened in my name 19 days ago ( XX/XX/year> ). It shows a balance of {$0.00} as of right now, but that could be subject to change. My first action is to submit this report, I will attempt to cancel the card next through the company Kohls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a disputed debt with RGS financial that appears on my  XXXX  Credit Report. After disputing the debt with the collection agency directly, they did not remove the account or mark it as disputed.     Instead they referred the account to an attorney to attempted to use removing the credit trade line as a means of getting me to sign away my rights under the Fair Credit Reporting Act.     Regardless of this, RGS is willing to delete the tradeline in exchange for a release of your claims. Please let me know if you will accept this offer.     Sincerely,  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX  After receipt of this e-mail I spoke with  XXXX   XXXX , managing partner of the firm who stated that offering to delete tradelines is a common practice their firm uses to avoid litigation provided the litigant agrees not to sue their client.     This is complete abuse of the credit bureaus, inaccurate reporting and holding credit reporting  hostage  under the FCRA, and blatant violation of the terms and conditions of credit reporting.
Product: Mortgage

XX/XX/XXXX Amerihome debited my escrow account to pay my property insurance to XXXX XXXX XXXX. According to XXXX is was not received and they lapsed my policy in XXXX. I had contacted both companies and they said it was being processed. In XXXX XXXX stated the check was returned for insufficient information and they extended my insurance. It lapsed again for nonpayment in XX/XX/XXXX which I then paid for out of my pocket. On XX/XX/XXXX my loan was transferred to XXXX XXXX. The balance of the loan and escrow were transferred but Amerihome never credited the amount debited in XX/XX/XXXX from the account. In XX/XX/XXXX XXXX XXXX paid my home insurance from my escrow account ( now paid 3 times : XX/XX/XXXX by Amerihome, XX/XX/XXXX by Me, XX/XX/XXXX by XXXX XXXX  ). I was credited my payment from XXXX but was never credited back the amount debited from my escrow account in XX/XX/XXXX 2021
Product: Credit card or prepaid card

I sent Bank of America a payment for XXXX that is still missing. They also told me they would not charge me cash advance fees during this process. They are useless and have not resolved either matters
Product: Credit reporting or other personal consumer reports

This utility company is saying I have a past due balance which they have sent to collection, It does not belong to me, and I never had an outstanding balance with this company. 

Account - XXXX XXXX XXXX XXXX - Diversified Adjustment Account Number - Account Number Not Provided I have called on numerous occasions and haven't been able to rectify this issue. After being put in circles I have no other option to have this situation escalated.
Product: Credit reporting or other personal consumer reports

Once more, thank you for addressing some of the errors on my credit file. However, I believe the remaining accounts still need review to ensure they meet the Fair Credit Reporting Act standards for accuracy. I am requesting another investigation of the accounts listed below to verify their accuracy : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9200.00} ; XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$27000.00}. If your investigation can not confirm the accuracy of these accounts, please update them accordingly. Also, please send me the details of the procedure used to verify the information to the address provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX XXXX are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent a letter regarding accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Checking or savings account

On XX/XX/21 I pulled into the atm drive-thru to make a deposit at the Wells Fargo location , I was using a new card ( tap pay ) the atm was not accepting deposits at that time, so I decided to park and use the other atm, In my lack of attention at that moment I forgot that I got into my account using tap pay, so during the whole time I went to park my car at the other side of the store, whoever was behind me in the drive thru literally maxed out my checkings account ( cashed out {$700.00}, I didn't have {$700.00} so overdraft came in ) when they had their turn to use the atm by the time I got to the atm to make my deposit ( which I never made because I got distracted by the fact that my account went negative in the 3 minutes it took me to park my car and enter my info into atm ) I explained this story to the bank teller the next day, and he told me that the person who made the transaction in my part would most likely be on camera and this would be an open and shut case. Now I called the bank, went through customer service told them my story and they locked my card (? ) and issued me a new one. On XX/XX/21 I received a letter through the mail from Wells Fargo and they said that they found that I authorized the transaction therefore my claim is closed after the fact I called Wells Fargo again and the rep told me that once a claim is closed there is no opening it again, I tried to give a better version of my story but I think they only heard it as a courtesy to me, never heard from the bank regarding the claim after that
Product: Credit reporting or other personal consumer reports

I had opened a credit account with XXXXXXXX XXXX XXXX  in XXXX. From XXXX? There was charges ( I cant remember if it was me or not ) account was closed in XXXX ). 8 years later they reported it to my credit score. I have not received calls, mail, or anything from this debt or in regard to what it was for. I believe I disputed it years ago and thats why it was never paid. The amount is {$3300.00}. Account been closed since XX/XX/XXXX. It is past the statute of limitations to be reporting now and without even reaching out in regard to this debt. I would like this ding against my credit removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
16. 15 US-CODE 16921 XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
17. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 
18. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

Subject : Urgent Request for Removal of Fraudulent Debt and Cease of Illegal Collection Practices Dear CFPB Representative, I am writing to seek your immediate assistance with a serious issue concerning a fraudulent debt that has been reported on my credit file. Recently, I requested from the collection company, Genis Credit Management, the original signed contract, payment history, and proof of ownership of this alleged debt. The information that was sent to me was clearly forged and falsely signed.

To address this matter, I sent letters and a copy of my identification to the three major credit bureaus, informing them of the fraudulent nature of the documents and that this is a case of identity theft. However, the credit bureaus responded that the debt had been verified. I find it deeply concerning that a debt can be validated when the signature on the document is not mine. 

I therefore request that this fraudulent debt be removed from my credit file immediately under the doctrine of Estoppel by silence, as supported by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. I must presume that no proof of the alleged debt exists, and therefore, the debt itself does not exist. 

In addition, Genis Credit Management has been adding fees to this fraudulent debt each month, further damaging my credit report. Despite my explicit request for no contact, the company continues to call me, often in a rude and combative manner. These actions are not only unethical but also illegal. 

Given these circumstances, I urgently request that the CFPB intervene to ensure that this fraudulent debt is removed from my credit file and that Genis Credit Management ceases its illegal collection practices immediately. Please let me know if you require any further information or documentation to assist in this matter. 

Thank you for your prompt attention to this serious issue. 

Sincerely, XXXX XXXX
Product: Student loan

My employer has sent two checks to EdFinancial to assist with student loan repayment. The first check was issued on XX/XX/2023 for {$3500.00}. The second check was issued for {$870.00} on XX/XX/2023. BOTH CHECK HAVE BEEN DEPOSITED. NEITHER CHECK HAS BEEN CREDITED TO MY ACCOUNT. 

I have called many times. EdFinancial has a phone queue longer than 500 minutes and often does not return the call at all. I have only ever been able to speak to one representative who claimed I " have to wait ''. It has now been nearly 60 days from the first payment. They have lost these checks. They are not investigating. They are not crediting my account. They refuse to help at all. I have no mechanism to hold EdFinancial accountable and they are STEALING loan payments. This is unacceptable.

In addition to lost payments. EdFinancial is DOUBLE CHARGING my autopay personal bank account. I signed up for auto-pay on XX/XX/2023. EdFinancial then charged my account a second time on XX/XX/2023. When I called to inquire they claim to not have received either payment and refused to reverse the UNAUTHORIZED second charge on my account for {$450.00}. EdFinancial is STEALING MONEY. They never credited my loan account with these payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 accounts with XXXX, my local electric company. I was behind on one but trying to pay the other. I contacted XXXX on XX/XX/XXXX to make a payment. They said I needed to pay XXXX . I asked if that included the other account balance because it seemed an unusually high payment. The representative told me yes, when my other service was discontinued the balance was transferred to this account, so I authorized an electronic check over the phone for XXXX . When I applied for a mortgage on XX/XX/XXXX I was told a collections account had just been reported on my credit report that day from MRS BPO for XXXX and my score had dropped 90 points disqualifying me for my mortgage. I had checked my credit report XX/XX/XXXX and there was no collections activity reported. I contacted MRS BPO where representative XXXX XXXX told me they had no record of an account for me. I contacted XXXX and explained I was informed this debt had been included in my XXXX $ payment. XXXX said " they were sorry I had received misinformation from their representative, but the debt was not included and they werent certain if the error could be deleted from my credit report '' and I should contact MRS BPO again. I contacted MRS BPO a second time and representative XXXX XXXX now said I did have a collections account with them but they did not have a policy of deleting information from credit reports even if the account was placed in collections in error as a result of misinformation on the part of the original creditor, and I should contact XXXX to resolve the issue. I contacted XXXX a second time and explained MRS BPO did not have a policy of deleting information from credit reports and I should contact XXXX about the issue. XXXX said they would withdraw the account from MRS BPO so I could pay the XXXX $ balance with another electronic check, and they would contact and explain the issue to MRS BPO and call me back. This was all on XX/XX/XXXX. XX/XX/XXXX XXXX contacted me to report they had emailed MRS BPO and explained the account was placed in error as a result of XXXX providing me misinformation. XXXX also reported MRS BPO had agreed that on Friday XX/XX/XXXX in their weekly update to the credit bureaus they would indicate the account was paid in full and they would include a comment on my report stating the collection account was placed in error, but would not delete it. Having just checked my credit report neither of these actions occurred. Information for both companies is as follows : MRS BPO, L.L.C. 
XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Electric Utilities XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter ( dated XX/XX/2020 XXXX from XXXX XXXX  after applying for financing through a car dealership. The bank included credit scores from XXXX different companies. The score from XXXX  was XXXX. The score from XXXX, a company I have never even heard of until now, provided a score of XXXX. There is only a phone number and an address listed for XXXX in the letter. I called the phone number, but there is no one you can speak to. You can only leave a voicemail. 

The factors listed for the score of XXXX are : Not enough bankcard debt experience Time since most recent revolving account established Length of time oldest bank revolving account has been established too short Too few installment accounts I do not see how these factors are relevant to me. I have had an active bank account with the same bank for over 20 years.
Product: Checking or savings account

I opened an account with Bank of America on XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX with XXXX XXXX, Relationship Banker. I deposited {$3300.00} into a new account that I opened on XX/XX/2020. I have my debit card which was cancelled by the time I received it in the mail. I have a deposit receipt for {$3300.00}, which included my {$1200.00} stimulus check, my {$930.00} tax return, and I transferred {$1200.00} from my pay card to the account, which accounts for the {$3300.00} deposit. I have the receipt for the cash transfer and the stubs for my checks. I then withdrew {$770.00} in a cashier 's check for first month 's rent and deposit on a new apartment which I have the receipt for. That left the account with a total of {$2500.00} on XX/XX/2020. They gave me no information on why the account was closed about a week later, and at that time they said the checks may be returned so I wasn't even sure if I would ever receive the money I deposited. 

They say they have mailed a check on XX/XX/2020 to the address on my account using regular postal mail, but I have not received the check as of XX/XX/2020. The address is my friend 's house which I was staying at for one month until I found a place. I have since moved out and placed mail forwarding and informed delivery on my postal account. When I call they can usually tell me the status of the cashier 's check, that it hasn't been cashed, but today they told me they can't tell me that information. I was told that I would have to wait until the check was returned or until XX/XX/2020 to be issued a new check. I have no money, my rent and bills are due and I have no idea what is going on with this check which has not arrived to my old address, nor has it been forwarded to my new address, whether it's been cashed, where it is in the mail or what is happening and I need some help figuring out what to do. I don't understand why it's legal for them to close my account, seize my funds, then mail a check that they can give me no information about.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies have violated my rights with inquiry reporting as follows : Incorrect inquiries : 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 Acct inaccuracies : XXXX XXXX Acct XXXX XXXX Reported as late but paid off. 
XXXX XXXX XXXX XXXX - XXXX acct. {$490.00} past. 
XXXX XXXX XXXXXXXX - reported as late. 
XXXX XXXX XXXX - Acct charged off. {$70.00} written off. {$480.00} past due. 

1

5 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account or inquiry report without written instructions.
Product: Checking or savings account

Same issue I reported prior-Every deposit is always placed on hold for over 10 days regardless of the amount. I am tired of having to call and sit on hold to get my funds released when the funds are already in their bank as we discover when I call. I sat on the phone for over 2 hours for a {$500.00} check I deposit on XXXX XXXX- two hours. When I called that time XXXX XXXX XXXX  verifed the funds were there and had been there so why can Chase not see the deposits made in their bank account? I held a federal and state XXXX  XXXX XXXX XXXX XXXX  for over 10 years and understand they are increasing their balance sheet so they can lend more money through the fractional reserve lending we use stateside. It also appears they are sweeping other peoples money as well. This needs to be stopped. People work to hard for their money and they are famous for putting holds on everything everytime. The same day I deposited the {$500.00} with Chase I deposited {$2500.00} into XXXX at the same time with mobile deposit both drawn on XXXX XXXX XXXX. Next day my {$2500.00} was avaible with XXXX and Chase had a 12 day hold on the money. The most recent situtation happened when I remote deposited {$5400.00} on XX/XX/XXXX, they placed a 10 day hold on the check, I called Chase Friday at around XXXX XXXX to get the hold removed sat on the phone for over 45 mins with XXXX who called XXXX XXXX XXXX to verify the check verbally. I gave the XXXX XXXX XXXX rep authorization to access my account they did verified that CHASE HAD HAD THE MONEY AGAIN FOR 3 days. The XXXX XXXX XXXX  rep hung up, Chases ' rep said a few minutes and he would have it released, came back on the phone said it had been released and it would show up in my acct shortly. I get up Saturday morning and check my account- no release of the money. I called Chase again around XXXX XXXX The rep was vile, hateful, mean and ignorant. They told me I had not called and there was no hold release authorized. THIS IS BEYOND RIDUCLOUS AND YOU CANT MAKE THIS UP. You need to start penalizing these banks for their behavior, if you don't have that authority to do so they why do you exisit. XXXX XXXX does to the common man what they want when they want and we are expected to sit back and take it. Enough! Hold them accountable!