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

I've disputed the following accounts directly with the creditor and they've failed to remove them from my credit report. I've also disputed them with Experian with no help in removal. By law the Credit Bureaus MUST remove all inaccurate information as it is causing financial hard and hinderence to my personal finances. 

Accounts : XXXX : XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$9900.00} Status Collection account. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$890.00} Status Collection account. 
XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$8300.00} Status Collection account. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$9800.00} Status Collection account. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$10000.00} Status Collection account. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$9300.00} Status Collection account. 
XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$12000.00} Status Collection account. 
XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$16000.00} Status Collection account. 
XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$1300.00} Status Collection account. 
XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$13000.00} Status Collection account.
Product: Debt collection

I TOOK MY DAUGHTER TO THE EMERGENCY ROOM ON XX/XX/XXXX AND ON XX/XX/XXXX. MY DAUGHTER HAD XXXX XXXX BUT THE HOSPITAL PUT THE CLAIM IN UNDER ANOTHER INSURANCE COPMANY XXXX AND I TLOD THEM THAT SHE DID N'T HAVE XXXX. THEY REFUSE TO LISTEN AND I HAVE BEING BOMBARDED WITH PHONE CALLS FOR 2 YEARS. I AM NOT REFUSING TO PAY O JUST WANT THEM TO GET THE AMOUNT RIGHT. 

1. EMERGENCY ROOM XX/XX/XXXX {$700.00} 2. ENERGENCY ROOM XX/XX/XXXX {$700.00} 3. XXXX XXXX XX/XX/XXXX {$4300.00} 4. XXXX XXXX. XX/XX/XXXX {$3100.00} 5. XXXX XXXX XX/XX/XXXX {$190.00} 6 XXXX XXXX XX/XX/XXXX {$170.00} 7.XXXX HOSPITAL XX/XX/XXXX {$1300.00} 8.XXXX HOSPITAL XX/XX/XXXX {$1400.00} 9.XXXX XXXX XX/XX/XXXX {$3100.00} ALL OF THESE BILLS ARE N'T MINES I HAVE TRIED TO TELL THEM THIS AND THEY AREN ; T LISTENING
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account 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 Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX, XXXX and Equifax credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 balance of {$320.00}, account opened with XXXX XXXX XXXX under the account number XXXX on XXXX, account with XXXX XXXX XXXX under the account number XXXX on XX/XX/XXXX These account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I've reached out to " I.C. SYSTEMS '' and they aren't responding. Guess what? Neither is the original creditor, XXXX XXXX XXXX. Last I spoke to the representative, they stated they didn't have to answer to me because the debt was no longer there's - and to reach out to IC SYSTEMS INC. 

This is another fraudulent account. I did not open this account and have told the police that I'm certain a family member or someone who knows me opened this account. Unfortunately I can't prove who - but all I was sent was invoices. 

This isn't my account. I've informed creditors, collection agencies, and the bureaus. This account is the only one that remains! I am prepared to sue this collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Personal information needs to be updated on my report. I should have 1 address XXXX XXXX XXXX XXXX PA XXXX all other addresses on file are non- mailable addresses. This will help prevent possible fraud issues. 

1 name - XXXX XXXX XXXX 1 Phone Number - XXXX 1 employer- XXXX XXXX XXXX XXXX 1 email address- XXXX All information in my report should be 100 % Accurate XXXX XXXX and XXXX has updated this information.
Product: Checking or savings account

TD Bank Growth Money Market Account was opened and added to my online banking. I did not request nor apply to have this account opened. I have contacted TD Bank to have the account closed and investigated. TD Bank submitted this situation to their Fraud department. TD Bank recommended that I also submit a report here.
Product: Credit card or prepaid card

Capital One locked my XXXX while I was out of town on vacation on XXXX, XX/XX/XXXX at XXXX pm. I received a text message that my card was restricted with a phone number to call. The only way to unlock the card was for Capital One to send a text message with link for me to submit a photo copy of the front and back on my driver 's license. In order for their system to accept my license I was forced to make 5 different calls to Capital One. Finally at XXXX pm while speaking with the fifth representative my driver 's license was successfully received and my card was unlocked. 
The following day, Friday, XX/XX/XXXX Capital One again locked my XXXX at XXXX pm. I called Capital One and was informed I needed to submit a copy of my driver 's license, signed Social Security Card ( SS card ) and proof of residency. I explained I was on vacation and didn't carry my SS card and I did not feel comfortable sending my card. It wasn't requested when the account was opened and it isn't a document I feel comfortable sharing. I asked if there was any other means of verification and was told no. I then requested to close the account but was informed that I would lose my cash back rewards. 
On XXXX XX/XX/XXXX, I returned home and attempted to resolve the issue once again with Capital One. I asked why my account was restricted in the first place and was told it was for suspicious activity. I had the card in my possession at all times and they never requested I verify purchases or any other information. They would only accepted the documents : driver 's license, Social Security Card ( SS card ) and proof of residency. Again, I voiced my concern about sending my SS XXXX and was told that was the only way to unlock my account. I was advised I could make payments or close my account. NO other activity would be allowed. My card would stay in " permanent restriction '' until I submitted the documents. I understand Capital One is trying to protect me as a consumer but all they did was restrict me from having access to my credit account when I needed it most. 
The resolution I am seeking is to get the card unlocked without sending my SS Card. I am willing to verify by other means so I can receive my cash rewards. This is a horrific, stressful and ridiculous verification method without any possibility of overrides. This policy needs to be reviewed. 
Please help me unlock this card.
Product: Mortgage

My wife & I signed a note with XXXX XXXX XXXX. We borrowed {$180000.00}, which was to be paid in 240 months ( 20-year loan in XX/XX/XXXX. We are current on our payments, have struggled at times, enough to get a 2nd Mortgage ( {$12000.00} ), in order to not have the home foreclosed upon.

In XX/XX/XXXX and XX/XX/XXXX, fully expecting to have a year or so left before the home was ours free and clear. Wells Fargo, the current holder of the mortgage, printed us a " statement '' of sorts, that said we still had a balance of {$120000.00}, and 13 more years to pay it over. 
Both Wells Fargo and ourselves have been doing research on this loan to see what would cause this issue. Each time they send us a BLANK Loan Modification, that would extend our loan into XX/XX/XXXX.  This " Loan Modification '' has 0 signatures from anyone a XXXX XXXX XXXX XXXX - whom Wells Fargo purchased, nor any signatures of my wife and me agreeing that we wanted to do this Loan Modification. We obtained a 2nd Mortgage for the past due balance outstanding and satisfied the foreclosure, and did not sign to extend our loan 13 more years. Today this is still their stand and final answer.
Product: Debt collection

I contacted ERC about a collection account on XX/XX/2021. I disputed the amount owed and requested a detail copy of the bill. I also contacted the original creditor and there is no record of the collection account. I was informed by ERC I would receive the account detail within 24 to 48 hours. I did not receive the account detail. I called back 2 weeks later and was informed the account was in dispute status. I called again on XX/XX/2021 and was advised the account detail was not available and would be requested again. I also was informed the account would be escalated. 

I have been asked by several individual what do I believe I owe? My response is XXXX but I really do not know that is why I am requesting account details.. 

I have never received an itemized bill from the collection agency or the original creditor XXXX. 

I have never received a collection letter from ERC.
Product: Credit card or prepaid card

Sears credit card ( CITI ) Over the last year I have used this card more often. The problem I was having is my bill arrives 4-5 days before it is due. If the bill was mailed out at the beginning of the month and it took 15-20 days to arrive. How am I going to get it to them on time? Its always late and fees and interest are always tacked on. I have requested on many occasions that the charges be removed and that my bill be sent out sooner. It is virtually an impossibility to achieve the deadline. I get the feeling that this is fraudulent or at best a shady scam to charge fees and interest. There is no consideration for the consumer here I feel. 
Now lets look at the US Mail service. After Covid things have changed. I have sent mail 20 miles away and it has not been received for 7 plus days. So how is my bill going to get here in a timely manor from 5 states away? For those of us who use this system can we get a little understanding? It has always been reliable and secure but I see its days are numbered. For the consumer and the Vendor. 
I am not the first or will I be the last to see where this is going. If you wish to retain customers find a solution to this problem besides greed and rigid policy. 
For those of us who have witnessed the damage of personal identity theft. Technology is not the best answer and I would like to protect myself and my family from this possibility. 
Thanks for your time and consideration on this matter
Product: Vehicle loan or lease

My lease through the XXXX dealer was with U.S. Bank. When its time for me to either purchase the car or turn in the car it is set up So I can not take advantage of the equity Ive earned in my car. Im only allowed to sell it to three different companies. XXXX, XXXX and XXXX. 
What is extremely unfair, and I believe criminal, is that my payoff is {$23000.00} as of today. XXXX has agreed to pay me {$26000.00} for the car. However, when I go to XXXX for a payoff amount, US Bank gives them a far different payoff amount which is much higher. The payoff as of the same day is {$30000.00}. To further cause problems so I cant receive my equity.for me to purchase and then turn around and sell. I have to send in a written check along with documentation that they will send me and then they will turn it into the XXXX and I will receive XXXX XXXX in excess of 30 days from now. The value of my car will drop in 30 days, I believe they count on this so they can take my XXXX in my car and then turn around and sell it straight to XXXX and obtain the dollars for themselves. When I purchase a car or sell a car to a dealership, the title can electronically be sent to me and if I dont have it when I sell it to the dealership, they can duplicate XXXX on the spot so they can sell a car. Why do I need to go through this Title the answer is because they can steal my equity. All of my payments can be electronic to US Bank except for this payoff. I dont know if its just US Bank thats getting the money or do they give rebates back to the dealerships? 
At this point, I have not even tried to turn in the car and Im sure that they will try to charge me more dollars for end of lease turn in or wear and tear ( vehicle is in great shape ) or something of that nature when I already know the car is worth {$2400.00} More than the payoff.
Product: Credit card

Synchrony Bank acquired my BP account from XXXX. I had transferred a balance to XXXX on terms of 0 % interest. Each month since their acquisition, Synchrony has added completely fictitious " purchases '' and " cash advances '' in the account, on which they charge interest. It is a small amount -- {$1.00} this month, but it is clearly fraud. I have tried to get it straightened out. Sometimes they refund the interest charge and sometimes they do not.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX credit card HAS VIOLATED MY RIGHTS. 
15 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Checking or savings account

I am a representative payee for an adult with a XXXX. He had an account for years with Suntrust and the bank merged into Truist. They agreed to not charge him a maintenance fee since he was a long time member on his Social Security checks. Then they started charging him a fee so I asked to have his account closed XX/XX/2022, wrote a check so his account was XXXX to his new bank and the account was to be closed on the day the bank account reached XXXX and wrote a letter to insure it was closed on XX/XX/XXXX. They did not close his account and accepted his social security check again on XX/XX/XXXX ( and charged him his maintence fee ) It takes a while for SS to change addresses to his new bank address although I have also called them twice and changed it on line... ( He gets XXXX a month and the maintenance fee is XXXX ). So I called back and had it closed again with a complaint filed that requested it close on XX/XX/XXXX. It still was not closed so I called back on the XXXX of XXXX and had the XXXX returned to his account as they realized the account was to be closed and they were told to close it XXXX XXXX when his account was again at XXXX but they accepted his Social Security check again!!! on XX/XX/XXXX and charged hinm on XXXX. I need his XXXX refunded along with the XXXX social security check of XXXX to the account address on file ( my address ) and verification that the account is at XXXX and closed. They are shameless to keep this account open until he will eventually be charged overdraft fees for his account that should have been closed. I do not live near a Truist so I have to rely on phone messages.
Product: Credit reporting or other personal consumer reports

Avant Credit Card was paid in pull. Although I have contacted Avant, who state they submitted the card was paid in full and NOT charged off, the credit bureaus continually report inaccurate information. I have provided my credit card statement that shows the card was paid in full on XX/XX/. Howev4r, they refuse to correct the information.
Product: Credit reporting or other personal consumer reports

Creditor Name : XXXX XXXX Inquiry Date : XXXX XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX Creditor Name : XXXX XXXX XXXXXXXX  Inquiry Date : XXXX XXXX Creditor Name : XXXX XXXX Inquiry Date : XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XXXX XXXX Creditor Name : XXXX XXXX Inquiry Date : XXXX XXXX Creditor Name : XXXX Inquiry XXXX : XXXX XXXX Creditor Name : XXXX XXXX XXXX Date : XXXX XXXX Creditor Name : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX Inquiry XXXX : XXXX XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date XXXX XXXX XXXX These inquiries were not authorized by me and do not reflect any credit application or consent on my part. Under the Fair Credit Reporting Act, you are required to ensure that only authorized inquiries appear on my report. Therefore, I am requesting thats these inquiries be removed from my report immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX, I signed up for " Pay Over Time '' with an offer to earn 20,000 membership rewards points for doing so, but the 20,000 points were never awarded to my account ( see attached screenshots ). I XXXX this with the company on approximately XX/XX/2022 and they said they were unable to find record of this promotion on my account. They owe me XXXX  membership rewards points.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME, THOSE ITEMS WERE INACCURATELY PLACED ON MY CREDIT FILE. PLEASE HAVE THOSE NEGATIVE ITEMS REMOVED OFF MY FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am past due on XXXX CARD partial account number XXXX. This account is coded as an XXXX and it needs to be coded as an XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account you are publishing about me is inaccurate and incomplete : XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XX/XX/2018 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX   XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX  XX/XX/2018 I have contacted Equifax more than once regarding this same issue and they do reply on here that they are working on it but never fully finish. I have sent in identity theft package and requirements. They have failed to comply with federal law regulations. 

I need this removed as soon as possible because reporting and publishing inaccurate and incomplete information in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out of pocket costs and loss opportunity.
Product: Mortgage

In XX/XX/XXXX, I declared bankruptcy and surrendered XXXX rental properties ( XXXX in XXXX and XXXX in XXXX. I was, and am, an XXXX military XXXX. These rental properties were meant to be a large part of my retirement income. At the time of the bankruptcy, I had great credit and no debt beyond the mortgages, but was forced to declare bankruptcy due to the housing crash and a real estate scam. 

While I was XXXX in XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX, I kept getting notices from my property manager in XXXX to send money to repair things. Once I returned to the states, I flew to XXXX and found out that I had been part of a real estate scam. My properties had been gutted bringing their value down to {$10000.00} and the real estate ring was charged with mortgage fraud. This left me with no alternative but to file bankruptcy to surrender the properties. I filed XX/XX/XXXX before XXXX in XXXX and my bankruptcy was discharged in XXXX XXXX, XXXX. The XXXX properties, at this time, were in good shape and rented for more than the cost of the mortgage and other related fees. Although the mortgages on these properties were less than the sales value, they were profitable. I surrendered the profitable XXXX properties as part of my estate and had the renters move out. 

The XXXX XXXX properties have since foreclosed, but the XXXX XXXX properties have yet to foreclose after five years and I have just been served with {$17000.00} in fines by the HOAs. I was served with these papers while currently XXXX in XXXX, and have had extreme difficulty in reaching the banks to try to resolve this issue. My wife, who is in the states and has my power of attorney, has also been unable to reach the banks to resolve this issue. These properties have not foreclosed even after papers being filed with the courts in XX/XX/XXXX and XX/XX/XXXX. 

If I had known that the banks would not foreclose for over five years, I could have kept my renters in the properties and paid all fees associated with the houses over all of these years. Instead, in good faith, I surrendered the properties and did not feel I had the right to rent them out. These properties have now sat empty for five years rendering them less likely to rent or sell and have been accumulating HOA fees and fines.
Product: Credit reporting or other personal consumer reports

Greetings, I am writing to you for the reason that I need this information removed from my credit. I can't stand this anymore because it is affecting me a lot and is not allowing me to have economic growth in my personal life. 

Account Name : XXXX Account XXXX Balance {$0.00} Account Name : XXXX XXXX XXXX Account XXXX Balance {$880.00} Account Name : XXXX Account XXXX Balance {$1600.00} Account Name : XXXX Account XXXX Balance {$1600.00} Account Name : XXXX XXXX XXXXccount XXXX Balance {$1800.00} Account Name : XXXX XXXX  Account XXXX Balance {$1800.00} INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX