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

THESE HARD INQUIRIES WERE NOT AUTHORIZED AND I WOULD LIKE THEM REMOVED FROM ALL THREE BUREAUS IMMEDIATELY. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Beginning in XXXX, I reported a fraudulent charge on my account. It took 2 weeks just to get ahold of someone at Avant during that time because of widespread fraud. Finally, when I got ahold of someone with their company, they said they will need to investigate the problem first before they send a replacement. Fast forward, it's then about XX/XX/XXXX I call again and asked to speak to someone about looking into the fraud so they can send a new card. I call again at a later date, they said they had sent a card already and confirmed my forwarding address correctly and that I should have gotten a new card by now... They send another card by XX/XX/XXXX, no tracking information. They say it should take 10-15 business days. It is now XX/XX/04 I still do not have a replacement card. They refused to overnight it to me, fraud department already claimed they have an old address but customer service confirmed they have my forwarding address. She offers to send another card which will take another 10-15 days. I said if I can not get tracking information do not send another card and decided to ultimately close the account for how unreliable and absurd their company is following widespread fraud after 2 months of still not having a replacement card.
Product: Checking or savings account

On XX/XX/2024, I was charged two fees on my business checking account ending in XXXX. The fees were labeled " service charges- prior period '' - one was {$53.00} another was {$48.00}. I emailed my bank 6 times XXXX and each time he deflected and never addressed my simple question- why was I charged the fees and how can I stop them in the future. XXXX has said things like " my bank manager is looking into it '' and he has addressed other issues, and once said I should refer to the handout I got when I opened my account ( more than 15 years ago ). Finally XXXX said his manager would refund one of the fees, but they have not done that and they should refund both. I called the bank 3 times XXXX, never got through and never got a call back. I visited the bank and a teller took 10 minutes and said he couldn't figure out why I was charged and asked me to wait for XXXX. I waited and he stayed with other customers until I had to leave. I asked by email to elevate this to a manager. I have been communicating since XX/XX/2024, and feel ignored, I have asked to speak to a manager but have never. This is not the first time that my bank behavior has not changed but I've got sudden fees from Truist that Truist can not explain - its seems clearly predatory.
Product: Credit reporting or other personal consumer reports

I have been noticing and spotting several errors and mistakes on my credit report that I dont seem to find very reasonable and recognizable. Here are among the accounts that Im referring to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Account # : XXXX I never authorized these Collection Agencies to add these items on my credit report and I demand that they must take actions on this matter accordingly and seriously and have these unfamiliar accounts be swiftly removed and taken off of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cavalry Portfolio Services agreed to a settlement agreement and agreed to term and conditions, payment monthly terms and but still placed the collection account on all 3 credit reports. They agreed to the payments and balance agreed but yet placed a collection on all 3 reports for the original amount.I have disputed this with all three reporting agencies and they still wont remove it. That is not right and this needs to be removed they agreed to the settlement and terms and should be held accountable. They need to remove it from all three credit reports immediately.
Product: Mortgage

My previous home located at XXXX XXXX XXXX, XXXXXXXX XXXXXXXX XXXX XXXXXXXX in XXXX XXXX XXXX XXXX was foreclosed on in XXXX, XXXX and no notice was given regarding the impending eviction process. I was thrown out of the house without notice from the XXXX XXXX XXXX XXXX Sheriff 's office or the mortgage company prior to this event occurring. 
The loan which I had with XXXX was a predatory loan and I was preparing with my legal counsel to address this issue and I advised XXXX of my findings regarding the loan. Subsequently my loan was immediately transferred to a third party lender by the name of XXXX XXXXXXXX XXXX located in XXXXXXXX XXXX I contacted XXXX XXXX on several occasions regarding access to paperwork in my file and was denied access by the bank employees. XXXX XXXXXXXX XXXX  was destroyed by hurricane Katrina and no longer exists, however XXXX has reorganized as of XXXX and is now One Main Financial. 
This entire matter was predatory from the beginning of the signing of the deed of trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  NA XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXXXX/XX/XXXX
Product: Mortgage

I took out a reverse mortgage a few years ago. I understood the stipulations to keep the insurance and taxes paid. However, I became very ill, we got into a financial bind and fell behind on the insurance and all this was explained to the bank. The loan started with XXXX XXXX XXXX, then sold to Nations Star Mortgage, then sold to Champion Mortgage. At this time we have obtained proper insurance coverage, worked out a repayment agreement with Champion Mortgage a document signed by both the mortgage company and the home owners. However, the first payment was returned and the house was bought back by the mortgage company stating that they received the agreement and the payment on different dates. We 've obtained legal counsel and have had XXXX court appearances to resolve the matter. Each appearance there has been a different attorney representing Champion Mortgage. This has been our home for 42 years, and XXXX generations, it 's too much history and too many memories to just let go. A 10 day notice was sent via USPS, and then an eviction was filed on another occasion to vacate the premises in 10 days. It is imperative that the public know that Champion Mortgage has done this to elderly couples before, the difference is with us we have others fighting on our behalf to retrieve our from the mortgage company.
Product: Money transfer, virtual currency, or money service

XXXX Is the original claim number, the complaint was closed, stating that my bank charged back the amount. This was a temporary charge back until the claim was rectified by paypal. I showed documentation of the fraud that was being committed by paypal. It was by using my information as a guest login in order to pay for services that were not received. When i was redirected after paying paypal ( after amount confirmation ) it was re-routed to a donation. I dont know the person that the donation was given, i did not intend to donate anything. I showed documents of me paying for two XXXX XXXX XXXX it is within the original complaint which is stated above. 
My bank provided me with consumer finance since they can not help me since the payment was made through paypal. I have tried countless times to address this with paypal, but they consistently closed my case and are not actually looking at the documented evidence within my case. Similar to what you did ... i provided a confirmation amount for goods. I showed the fraudulent donation page that i was rerouted towards after being forced to pay as guest i showed the bank statement on XX/XX/21 that had yet another fraudulent name posting to the debit on my account. Paypal can not locate this because they provided separate names for each stage of this transaction. I contacted paypal the exact date of the order being placed and was advised that I HAD TO WAIT FOR THE AMOUNT to PROCESS AND POST to my account, despite having immediately notified them that i was re-routed to this donation page. Then i could not make a claim because it stated that donations are not eligible. I tried to explain the fraud, they even have a statement, and i sent in proof that i was attempting to pay for goods not make a donation. They brushed me off. Additionally, they told me i had to go through my bank ... .which is what i did, they refused to talk to each other, and sent my to consumer finance, where i have been yet again ignored, and case closed despite having supporting documentation entirely. If this is not resolved, i would like more information on consumer attorney.
Product: Debt collection

Caine & Weiner Inc. continue to attempt to collect a debt that I have made them aware of did not belong to me. I have contacted them and made them aware that this debt was as the result of identity theft, and they have refused to stop trying to collect the debt and continue to report this fraudulent account against my name and social security number. They have further more been provided a copy of my police report, identity theft affidavit and they continue to ignore the fact that this account does not belong to me. When I have attempted to speak to this company they have been very disrespectful to me and have tried to force me to pay a debt that does not belong to me. I feel that this company is trying to extort money from me over a fraudulent debt. My personal information was compromised in 2010 and every since then I have had people open all sorts of accounts in my name using my correct personal information that was obtained from the identity theft. This debt that they are trying to collect from me is absolutely not mine and they have defamed my character by listing and continuing to list this fraudulent information against me. A part of defaming my character they are also continuing to violate the FCRA Section 605B by refusing to remove this information they know to be fraudulent from my credit reports.
Product: Debt collection

I am a service member who visited the emergency room at XXXX Hospital on XXXX XX/XX/2018. My insurance is XXXX which processed two different claims for my emergency room visit. I had given any and all of my contact information at the time of my hospital visit. I left on XXXX for 6 months and when I got back XXXX XXXX XXXX XXXX XXXX GA levied a debt collection attempt against me starting in XX/XX/2018. This was unknown to me until XX/XX/2018 when I had my life alert account notify me that a debt was being collected against me. I immediately notified my insurance which is XXXX and had them contact the debt collection agency informing them that I had a retroactive referral to allow XXXX to pay for the debt amount of {$330.00}. AT NO TIME HAD I BEEN CONTACTED IN ANY WAY SHAPE OR FORM to inform me of a debt against me prior to my XXXX XXXX account on XX/XX/2018. After again having my credit score suffer and another XXXX XXXX notification on XX/XX/2018. I called my insurance again who informed me that XXXX XXXX XXXX XXXX XXXX GA had from time of service 1 year to attempt to settle any debt before collection. I then called Profit Services Group myself in an attempt to try to understand what steps they had exhausted to contact me to make me aware of the debt against me. They said they have called my phone number " several times '' without leaving a message or further contact information. To this date I have NEVER received a phone call, letter, email, or correspondence of any kind from XXXX XXXX XXXX LLC XXXX GA notifying me of any debt of any kind. They informed me that the debt was " my fault '' and that they were " right to collect against me '' from XX/XX/2018 forward. Even after being apart of a phone call to the group with my insurance provider who assured XXXX XXXX XXXX XXXX XXXX GA that the levied amount was once again processed and paid in full, they group remained indignant about correcting or reporting debt against me paid in full to the applicable credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus have now decided to place accounts on my credit report that dont belong to me and never have. I previously indicated that I have Never had an account with XXXX XXXX XXXX as they have verified that as well on the two occasions I contacted that because a few months ago, the bureaus had these on my credit report, in duplicates with different account numbers so that it look like I have multiple trade lines. A few months ago, the erroneous/fraudulent account was on my credit report twice now, the account has been reported three additional times with three different account numbers. I Never had an account with XXXX XXXX XXXX. If the credit bureaus actually took the contact info they provided on the credit report when they did their so call investigation and called XXXX, they would verify just like they did for me that no such account ever existed in my name. Account number XXXX, XXXX, and XXXX as listed on the credit report are Not mine. XXXX, experiences, and XXXX XXXX have set up the online account process so that I can not even dispute their errors and XXXX XXXX has been playing that game for years. The sites dont even allow me to reset passwords and after experians site gives me my username, it tells me no such user name exists when I try to reset that password. XXXX  automated system will take all of your info including your PIN number and after you verify, it will tell you you could not be verified you have to spend ages on the phone trying to get an actual person on the line and when you do, they want you to re-verify all over again and experience phone system is worse good look trying to get an actual person. Last time I called experience, I called a corporate number because none of the other consumer numbers work they just re-route you to the same automated system over and over again and when you get an actual person from corporate on the line, they have a horrible attitude.
Product: Credit reporting 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$150.00}
Product: Credit card or prepaid card

It started on XX/XX/XXXX when I found a fraudulent charge on my Bank of America/EDD Debit card in the amount of {$420.00} and one for {$50.00}. I contacted BoA on XX/XX/XXXX about the charges and they froze my account and sent me a new Debit card by mail. When I received the new card, I was unable to activate it due to that account being frozen. BoA said I need to contact EDD about the frozen account ( a freeze form ) sent to EDD. I contacted EDD on XX/XX/XXXX and they fixed it by sending an email to Bank of America to release the account. On XX/XX/XXXX I contacted BoA they said the account was still frozen and had to contact EDD. On XX/XX/XXXX I contacted EDD and they said that they had responded to the freeze form and that the matter was taken care of. I then contacted BoA on XX/XX/XXXX they said it would take 3-5 business days. I called back to BoA XX/XX/XXXX, they said I needed to contact EDD that they hadnt responded about the freeze form, I did contact EDD again and they said that the freeze form was completed on XX/XX/XXXX and BoA was the one that needed to fix the problem. 
BoA as XX/XX/XXXX has not unfrozen my account so I can activate my new card and I am now late to certify for my next pay period with EDD. I have until XX/XX/XXXX to certify with EDD or lose my money for that pay period. 
PS. I have contacted BoA customer service at least 10 times during this period of XXXX until XX/XX/XXXX and they still insist I have to contact EDD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to XXXX and XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX about 3 accounts on their reports to validate and to update my personal information Back in XX/XX/2022 in which the 3 accounts were showing as being charged off back in XXXX. Shorty after reviewing my credit report after. The 3 accounts are now showing back up on my credit as open and active. XXXX very disappointed about the inconsistency of the reports that are now showing up on my credit reports. The account and account numbers are listed below. XXXX XXXX XXXXXXXX Account # XXXX charge off date XX/XX/2022 XXXX XXXX Accout # XXXX charge off date XX/XX/2022 XXXX  XXXX  partial account # XXXX Charge off date XX/XX/2022 However I wasnt notified of the status being updated from being charged off to being active again.
Product: Checking or savings account

We opened up a 5/3 business checking account based on a {$500.00} bonus offer. This was a targeted offer that was mailed to us. The offer code is XXXX XXXX XXXX XXXX XXXX. We opened the account at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - ( XXXX ) XXXX. The account was opened up by XXXX ( who helped us open the account ) along with the branch manager XXXX. We have met all the terms of the offer, but the bank has yet to make good on their deposit. We have spoken to both XXXX and XXXX multiple multiple times, and they have agreed that we have met all the terms of the offer. They have escalated this issue to Corporate for resolution, yet they have indicated they have had no response to their request from Corporate. It has been almost 5 months since we opened this account, over 3 months longer than was required for the bonus offer to be deposited to our account. I spoke to XXXX again this morning, and she indicated that she is again escalating this issue, but I'm filing this complaint because this is a branch manager of 5/3 who can't get a response from the very bank she works for on a resolution to this matter.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any accounts which were opened without my knowledge, consent or authority within XXXX business days. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

U S Dept of ED - Acct # XXXX U S Dept of ED - Acct # XXXX Both U S Dept of Ed are reporting the following : Open Date XX/XX/XXXX | Report Date XX/XX/XXXX | Reporting Student Loans in Collection. 
Accounts are paid, XXXX balance, and XXXX past due. Accounts are not in Collection Status. 

Originator Creditor XXXX Acct # XXXX - Limit/HC {$2600.00} Account Transferred - Open Date XX/XX/XXXX. Loans Closed XX/XX/XXXX. XXXX XXXX, XXXX XXXX due. Report Date XX/XX/XXXX. 

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Product: Credit reporting or other personal consumer reports

XXXX in the amount of {$170.00} - XX/XX/XXXX ( Charge Off ) XXXX  in the amount of {$0.00} - XX/XX/XXXX XXXX in the amount of {$0.00} - XX/XX/XXXX XXXX in the amount of {$0.00} - XX/XX/XXXX XXXX XXXX XXXX in the amount of {$640.00} - XX/XX/XXXX ( Collection ) I have tried to dispute these errors multiple times with TransUnion, Experian & Equifax. I have a right to a completely accurate credit profile.