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

The Account number XXXX reported by XXXX needs to be removed from my credit report because the 1st date of delinquency reports as XX/XX/2022 which is incorrect still but being allowed to report any way. Remove this incorrect account I did not receive any notice of this collection because there wasn't one. It also reports activity after the date or first delinquency which is also incorrect so remove this account. This is not a collection and has been paid off on time. 

I tried to have Experian verify the accuracy of said data to which they updated my credit report with erroneous information again. During a time of recession this is extremely stressful, as a XXXX  father no less.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 


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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

My personal information including my social security number was exposed in the data brief through Equifax XXXX XXXX XXXX XXXX XXXX etc
Product: Checking or savings account

On XX/XX/XXXX we received a XXXX XXXX package on our doorstep market urgent. This sat on our front doorstep for XXXX days not knowing it was out there. It was overnight express. The packet contained a cover letter stating my husband was the beneficiary of an account but did not reveal the name of the account holder. When we called they would not tell my husband until we sent the packet back with all of my husbands personal identification. About 12 days later we reviewed another packet saying they needed a death certificate and still we were not sure if it was his brother or his father. Both had passed within the past four Months. After several calls to Marcus by Goldman sacs we finely got an answer to our question. Fast forward to today XXXX XXXX and doing the dance of filling out 3 times identity sheets with notary and 3 different times a W9 that our tax advisor said was not necessary since one we won't don't have to claim the inheritance and two the interest they have given is XXXX XXXX and some change as of the first of XXXX. They kept telling us that the W9 was not filled out correctly and the identity verification sheet was missing certain things. Our bank notary seen nothing wrong with the last one we sent and we just sent our 3rd one to them this past Monday it was received on Tuesday XX/XX/year> and then on Tuesday afternoon XX/XX/year> we had another XXXX overnight packet on our doormat. This was contained another w9 to be filled out and another intent letter to be filled out and returned. This is the 3 Rd one of these we also received. Every time we have called they won't let us talk to any supervisor and say they will have one call and no one calls. So we had our attorney who is a tax attorney and 3 different people at the bank where we have had the identity document notorized No one can figure out why they are not excepting these documents. This is the case number given to me by the last person I spoke with on Monday XX/XX/year> her name was XXXX case # XXXX Thank you so much, XXXX XXXX XXXX and his wife XXXX XXXX ( I did not attach files of documents they have personal identification information )
Product: Credit card

I was given a promotional offer for a new XXXX rewards card from Amex and was promised XXXX points on spending {$2000.00} in 3 months. 

I was told multiple times by the customer service that i would be awarded XXXX points on calling them to verify the offer. 

The company did not award the points despite me meeting the criteria. 

The company later changed the terms that would make previous members ineligible for the product.
Product: Money transfer, virtual currency, or money service

Bank of America violated the FCRA by stating " One or more of your deposit accounts with us and/or our affiliates was overdrawn. ''
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Amsher Collection Services. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has any update been made on my credit report to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Student loan

I got a call from a company called STUDENT LOAN FINANCIAL ASSISTANCE. This woman by the name of XXXX XXXX ( a real person ) said she would set up an account where I can pay XXXX for 3 months then XXXX  for the remaining and my loans would be forgiven. It sounded promising. She has my banking info and my social security number. This happened today XX/XX/2020. It happened around XXXX XXXX. I need them to pay for what they are doing to people that are in desperate need of help with student loan debt. I didnt submit anymore information after I thought about everything that happens but she does have my information and I did sign an online document which at the time I didnt think much of.I CALLED her number a zillion times and you can tell its a spam. no answer and weird noises when i tried to call. I called the original number back of them and a man answered and he put me on hold and never came back. I emailed her and she never responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXn i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Debt collection

I got the XXXX credit card after I graduate from high school. The payments were made from my checking account through auto draft pay. Discover drafted there payments each month and this multiple times overdraftied my account. I stopped using the card due to the overdraft fees and confusion it caused me at my bank and just overall unhappy with the card. XXXX XXXX XXXX XXXX XXXX of XXXX and at that time my credit report had nothing negative for Discover. Then home for XXXX, and I get served for an amount of {$3200.00} and my limit was only {$2000.00}. This is obviously a mistake so I tried to log in to my account. My account was no longer active then when I called, was told the account is closed and they had no information. Then I called the XXXX 's office and received the instructions to file my ANSWER to the complaint. 
My answer was properly done and filed with the Courts in XXXX Texas. Never heard another thing about it until now. It's been a year without any communication from any collection firm, no letters, phone calls, emails absolutely nothing asking for money or any way to clear up this situation. This week again I received a summons to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XX/XX/XXXX. I'm not even sure what amount they claim I owe and for what I owe it for. I am a XXXX XXXX XXXX college student and do not want to go to court. I thought after I filed the answer, I would get something explaining the next step, but never did. It only seems fair that I would have access to the account charges and this has never been done. Discover claimed my account is closed and there is no information to pass on to me. I shouldn't have to pay legal fees and XXXX costs on a false or made up debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX REPORTED LATE PAYMENTS TO MY ACCOUNTS FOR THE MONTHS OF XX/XX/2019 AND XX/XX/2019 BUT THE ACCOUNT WAS NOT LATE. THERE WAS AN ERROR WITH THE PROCESSING OF THE PAYMENT THAT WAS NOT MY FAULT.
Product: Credit reporting or other personal consumer reports

I submitted a full police report from the XXXX Police Department requesting a block on the following listed accounts in accordance to the FCRA and FDCP they are in violation of serveral laws 15 USC 1681 ( 1 ) ( s ) states the following 15 USC 1681 ( B ) company has no right XXXX XXXX Account number : XXXX Inaccurate reporting dates and amounts XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

West lake continues to report the incorrect amount to XXXX they have my loan amount listed {$1700.00} more than what I owe and more than what is showing on my statement, they keep reporting this inaccurate amount of {$15000.00}. The accurate amount that should be reporting to XXXX is {$14000.00} which is the amount that is on the statement from XX/XX/2018! Westlake is violating the FCRA federal law they keep updating my XXXX report with this inaccurate balance which keeps hurting my credit score. I will contact a lawyer if westlake does not update the account with XXXX to the correct amount!
Product: Debt collection

This card was sent to wrong address and used by someone else and when I tried to pay it off or set something up to get help with what occurred they had already closed my account. And I didnt know it was sold to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act ... the account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681, XXXX/XXXX XXXX XXXX  XXXX section 602 A, right to privacy 15 USC 1681 604 A section 2, a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

On XX/XX/XXXX, Wells Fargo Bank converted my XXXX XXXX account to an " Everyday Checking '' account, as they eliminated the XXXX XXXX accounts. 

On XX/XX/XXXX, I discovered that they reduced the amounts eligible to be deposited through mobile banking when I was unable to make a deposit. 

This material change to the account terms was not conveyed or described in any of the following places : 1 ) The email sent from Wells Fargo announcing the change.

2 ) The information printed on the statements from Wells Fargo.

3 ) The Wells Fargo website under their description of the different accounts. XXXX XXXX XXXX XXXX  accessed XX/XX/XXXX ) I talked with two different people at Wells Fargo XXXX XX/XX/XXXX ( initial customer service and then escalated. ) Their response can be summarized as : " We recognize we didn't include this information in the documents, and we can't and won't do anything about it. We can not adjust how much you are allowed to deposit through the online banking app for your current account. If you switch to a different type of account with an increased fee structure, that other account might have a higher deposit limit. '' From my perspective, this new limit on deposits is a material change to the account terms and should have been conveyed prior to the account conversion. The lack of appropriate notification and documentation of the change is a concern.

This appears to be a violation of of Section 1030.5 ( a ) ( 1 ) requiring banks to give advance notice of change in terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

i dispute a account online and i upload few documents and they keep saying it no good or i get a response saying they never got my documents and i sent it 10 times and it been over a week and days and i also mailed it and they never received it and they playing head games with me I'm just trying to dispute a XXXX XXXX XXXX XXXX XXXX account and get it removed and they refused to honor my documents and keep giving me the run-arounds ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Portfolio Services is reporting a charge off repo on my credit report for which the vehicle was given to my ex wife in the divorce and she had it repossessed. I was released from all liability and the company refuses to acknowledge this. I would simply like to be released from obligation per the court order and have the account either removed from my credit report or marked paid in full.
Product: Bank account or service

On XXXX/XXXX/2016 someone made a few online purchases ( {$400.00} ) using my Etrade debit VISA card fraudulently. I called Etrade to report it and since then I have been trying to get reimbursed for my funds without success. I have been a customer of Etrade Bank for close to 11 years. This process has been horrible. I have been calling about every five days and the whole handling of my case is a disaster. They closed the investigation without telling me about three weeks into the process among many other excuses which are not going anywhere on getting my money back. The investigation was re-opened and the operator from customer service told me that he was sorry and that it must of been an internal error. I 'm still calling about every 5 days and only get excuses. What can I do to get my lost funds? 
Thank you for your help.
Product: Debt collection

Attempted to work with debt collector with no form of success. Documents will be attached for details.
Product: Checking or savings account

Discussed with Wells Fargo over 10 years ago after I had closed my account inquiring if any action or additional charges were pending on account. Wells Fargo stated my account was closed and clear without any delinquencies. I received a callXXXX from a process server stating I would be served papers. They stated my account was sent to their federal financial team due to a possible overdraft and will be suing me.
Product: Mortgage

I refinanced my home mortgage with Watermark Home Loans in XXXX, CA in XX/XX/XXXX. About a month after the refinance was completed, I got a letter in the mail from the XXXX XXXX County Tax Collector 's Office. This letter contained a tax bill consisting of two payments, the first of which was due by XX/XX/XXXX for {$1500.00} Because I had recently set up an escrow account with the mortgage company, I phoned Watermark Home Loans at their XXXX, CA office. I directly asked the woman with whom I spoke on the phone if I needed to make this first property tax payment or if this would be paid from my escrow account. The representative told me that the property taxes would be paid from the escrow account by the due date and that I had nothing to worry about. 

After the due date had passed, in XXXX XXXX XXXX, I got another letter in the mail from the XXXX XXXX XXXX Tax Collector 's Office. This letter contained a similar tax bill as the previous letter, except that there was now an additional penalty due for late payment, totaling {$150.00} I contacted Watermark Home LoansXXXX XXXX regarding this penalty by sending a message through their website. The response that I got, a week later, was some " form letter '' stating that the escrow payment of {$1500.00} was paid after the due date. There was no mention of the late payment penalty. 

So, I sent another message through the XXXX  secure message system requesting that they address the penalty that I was charged. After a few more weeks had passed, I sent another message requesting an update. I got a response a few days later suggesting that I call their XXXX number. 

I called the XXXX number and spoke to a representative their at length about this situation. This woman told me that I would soon be contacted by the company regarding the penalty. This was over a month ago, in XX/XX/XXXX, and I never got any response. 

Today, XX/XX/XXXX I called the XXXX number again. I told the representative what had happened to this point and she suggested that I talk to a supervisor. I was placed on hold for ten minutes, when the original representative came back on the phone, apologized for the delay, and said that she would immediately connect me with a supervisor. I was on hold for another 15 minutes and finally hung up. 

Terrible customer service is a regular occurrence these days, but this company 's lack of response by its " employees '' is substantially more egregious than run-of-the-mill poor customer service. I have made several attempts to correct the situation, using different contact methodologies over a period of months. 

Most importantly, I should not be charged {$150.00} for an error that this company made after I specifically phoned them to be sure that it was dealt with appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have seen multiple credit inquiries on my XXXX  and Equifax credit file. I have a credit freeze in addition to fraud alert, but unfortunately, the bureaus refused to remove them, stating they believe the inquiries are legal and legitimate without question.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The bankruptcy file date has been tagged erroneously. Moreover, this bankruptcy had been terminated. Make sure to pull of this Bankruptcy from my folder to guarantee that I really dont need to work on my personal rights pursuant to 15 USC Section 1681n or 1681o, which usually needs your compliance along with the law. This should be removed from my credit as per the Fair Credit Reporting Act. XXXX XXXX Bankruptcy Reference # : XXXX
Product: Debt collection

Jefferson capital systems XXXX XXXX XXXX XXXX XXXX, MN XXXX is trying to collect on a old sprint account that they say I owe without ever providing any proof they added this to my 3 credit reports. I have never received any correspondence from them and as far as sprint I was a loyal customer for 15 year 's and always paid my bills on time and when they where bought out I took my business to XXXX XXXX XXXX. They have never provided me with any proof of this debt that they say I owe even after I've disputed it multiple time 's on all of my credit reports. I would like this removed if they can not provide proof that it is a valid debt that I actually owe. I have tried to log in to there website to actually see what it is that they say they have but you have to have a account number which I do not have because they have never contacted me. I do not believe that this debt is valid and would like proof or have it removed immediately.
Product: Credit reporting or other personal consumer reports

I have tried to access my Equifax credit bureau account with my proper user name and password well over a dozen times. The Equifax website gives me a message stating it is unable to grant me access at the time. I have also tried using their account recovery option that is linked underneath the login window, and get the same message. I've called Equifax three times to try having them email me a password reset link. All other financial businesses have this service. The first time I called, I was told by Equifax that they will escalate my request up the tier and someone will get back to me. I've waited a long while but never got called back. The second time I called Equifax they told me my login wasn't working because I must be behind a VPN. I disabled my VPN ( which makes me less secure ) and tried to login again without success. I called a third time and they told me it must be the browser I was using. I could have been using any browser as far as they knew! However, I told them I was using XXXX and they asked me to try multiple other browsers to " make sure '' if that was the issue or not. At this point, it has become clear to me that they do not want consumers to have access to our own account to control out own accounts. This is a security issue, because I need to freeze and unfreeze my account at times. I also need to update the password at least once a year to make things more secure. Why are they making MY OWN credit information less secure? Why are they keeping me from my own information? No other credit bureau does this disservice to consumers. Please, please, please .... can someone investigate Equifax before they have another XXXX XXXXssue or worse!? Thanks!
Product: Debt collection

On XX/XX/2021 I contacted General Business Recoveries , Inc. to inquire about a letter that stated that my husband and I owed the company XXXX XXXX XXXX XXXX XXXX an amount of {$770.00}. I spoke with XXXX XXXX. I told XXXX that my husband and I have not received dental care in approximately XXXX  years and we did not recognize the company or amount owed. XXXX said that I have multiple accounts owed and that the amount of {$770.00} was a subtotal. I asked XXXX about the letter stating that I owed the dental company and she said " Oh thats an old account, don't worry about that account. I then asked XXXX if her company had sent me a letter stating that I owed a specific company a specific amount. XXXX then got very aggressive with me and said " Then I will open the old account and you can pay on that one to. '' I told " I am having a XXXX  surgery in a month and I will send you a dollar a month XXXX. '' I then ended the call by hanging up on XXXX. I do not appreciate being sent fraudulent information on a letter " In an atttempt to collect a debt. '' I do not appreciate being threatened when I called to confirm a false letter that this company sent me. This company does practice fair collecting procedures by sending misleading and inaccurate information and then threatening a client.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following account XXXX XXXX XXXX Opened XX/XX/2017. Please investigate to ensure there is no fraudulent activity.