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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. US DEPT ED XXXX Balance : {$1800.00} ; US DEPT ED XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

This is a two-fold issue, I will address these separately below : 1 ) Collecting a Time Barred Debt : In XX/XX/2022, while looking for information about a similarly named family member on the ClarkCountyNV.gov website, my wife discovered what appeared to be an open case against me with our local court. We had no knowledge of this case having never received a summons or any other communication regarding this XXXX XXXX XXXX case. On XX/XX/2022 my wife called the debt collector involved, Rausch Sturm LLP, to resolve the issue NOT KNOWING OR BEING ADVISED that this was now a time barred debt that we could not be sued for. At no time during her conversation with the Rausch Sturm representative was she informed of this and that by speaking with this representative she was actually restarting the clock on this old debt. 

2 ) Reneging on Agreement : During the conversation with this representative, a financial agreement was made and my wife was informed that as soon as the agreed upon amount was paid, a Satisfaction would be sent to the Court. On XX/XX/2022 we received an email confirmation from this representative. 

On XX/XX/2022 the agreed upon amount of {$320.00} was made via phone to Rausch Sturm. This was posted to my wife 's bank account in the form of an ACH check on XXXX XXXX. 

On XX/XX/2022 my wife emailed the representative informing her that the case was still showing as open on the ClarkCountyNV.gov website and asking to have it updated as per the Agreement. 

No response was received. On XX/XX/2022 my wife sent another email to " XXXX '' regarding the above. No response has been received and as of today, XX/XX/2022 the case is still showing as open.
Product: Debt collection

I was contacted today by " XXXX '' from Portfolio Recovery Associates. " XXXX '' failed to provide a last name ; which is illegal. Without proper verification ( there was no request for personally identifying information other than the fact I verified my name ) I was advised that I had an outstanding balance on an XXXX XXXX credit card and was requested to settle the balance in full or establish payment arrangements. 

I politely requested that the company no longer contact me at this number, at it is a work number and also advised that I wished for the company to cease and desist. " XXXX '' advised me that I would need to put the request in writing, which is understandable, as this is per the FDCPA. However, when I requested an e-mail address, XXXX advised me that the company would not accept my cease and desist request in this manner, as it had to be in " writing ''. 

After all of this, XXXX provided me with a previous address which I had lived and requested that I update this address. I advised XXXX that I would not update my address and I would contact them when I wanted to resolve the debt. 

XXXX advised me that the debt would remain in collections and that they would continue following up with me until it was resolved ; despite my request for them to cease calls to my number and to cease and desist completely. 

There were several violations of the FDCPA here. More than I care to waste time going into.
Product: Mortgage

I applied for a refinance thru my bank Wells Fargo on XX/XX/XXXX with rate lock of XX/XX/XXXX. I informed and provided my loan rep with a copy of separation agreement which showed child support I receive. He failed to inform me they would need 3 years proof of payment ( only been separated since XX/XX/XXXX and that 's when payments began ) At that time I gave a check for appraisal fee. I was told by loan rep XXXX that I would be notified prior to check being cashed which I never was. When I noticed check was cashed I called him several times to ask what was going on and finally received a call 1 week later stating he 'd been out of office and yes they would proceed with appraisal again was not informed of child support issue.. Issues I have with how I feel I was mislead : 1 ) check was cashed without any notification to me 2 ) loan rep changed without any notification to me 3 ) Most importantly I was not notified my child support was not being used as part of income until after appraisal came back less than needed. Had I known they were not using child support income from beginning I would have withdrawn my application prior to appraisal. Then I received a new GFE with increase in loan origination fee. I began calling new rep XXXX to question and she was not sure what happened and why. After several emails she stated she had a meeting to discuss my loan and would get back to me. I finally found out child support initially not used and loan had to be restructured which resulted in increase in origination fee. Since this all went pass the lock rate date this all caused for an extension of rate lock which in turn increased my loan origination fee. I feel I should have been told prior to appraisal their requirements for child support and fact that it was not being used as part of income. I reached out to Wells Fargo escalation team with my issues and emails I received and sent and they feel they did nothing wrong.
Product: Credit card

I got a face time call from my mom on XX/XX/year> at XXXX. That being my mom I answered. We started to talk and make conversation like about my dogs and work. But out of no where she said I opened a credit card and put you on as an authorized user. I told her to take me off immediately and how I have been working on my credit for over a year. I found out later she was actually lying and the whole credit card was in my name only not hers. But she promised me she would take me off the card. I believed her and hung up the phone. I waited till the next day to call the bank and claim fraud. So once I called and made a claim I just waited for them to call me. I never got a call back. And since that happen I got a life lock account and monitor my credit more. About XXXX weeks go by its XX/XX/XXXX and I check my credit as I do every month once all bills are paid. To my surprise I find out that a charge had been made on the credit card. So now Im out XXXX points in credit and now {$1900.00} in debt. I called the credit card company very upset and then they told me it will be a family matter because it was my mom.This is when I decided to start getting into it more legally. Hoping to resolve this soon.
Product: Checking or savings account

Bank - capital one bank and XXXX XXXX  Back on XX/XX/year> when the transaction first occurred I contacted XXXX XXXX number and asked what was this fee for. they first told me they didnt have any record of that fee and that I would have to communicate with some one at my local location which was XXXX MD XXXX because they dont have access to my card they said they only had power to extend or tell me that my account was closed. so I then went to the location the next day and communicated with them they told me that I have to call the XXXX number and that they arent going to be easy to deal with and that I have to try and get in touch with a supervisor and they said say it multiple times and demand it with force and tell them exactly what I want which I was confused so I had them call the XXXX number they then agreed that I would have my money back with in 10 days of estimated {$2400.00} which left a estimation of {$900.00} I was told because it was a hold and they blamed the bank saying the XXXX $ has to be released from the bank I then communicated with my bank about the XXXX $ as told by XXXX and then once I opened a claim with my bank my bank told me I needed documentation and asked for the receipts to show my bank proof the XXXX number then said they dont have or keep records of those files I would have to go to the branch so I went to the XXXX local branch again and they said they dont have any receipts they are old and something about there system is down so they couldnt help me and to contact XXXX and ask for a supervisor they are giving me the run around. So I went back since the system was down to see if it was up again and then the XXXX man with the dread lock hair style told me with in 30 days it should be back in your account the whole XXXX he said he apologize for the inconvenience. This was in the last week of XXXX when we had this conversation of 30 day return of money and now we are in XXXX and when I speak to them they dont want to send me paperwork and say they have no record of this transaction. 
They never wanted to provide receipts and said they cant pull up those records but I tried to work with them. they have fired the whole staff and I think they were scamming people for money and covering it all up. Its multiple people in there now mad about similar issues of non authorized transactions with no explanation. I tried to avoid using my bank and trusted that they would send me my money and when I spoke to them on XX/XX/XXXX I was told that they can not find my records and they are not responsible and that corporate has to fix it but corporate is saying its there fault they went back and forth with corporate and and it resulted into nothing sounding like kids unprofessional and I am suffering and being lied too for 5 months I tried my best to just work with the merchant so now I feel like I just have to let my bank handle it its so unfair how they treat there customers and do business.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a fraudulent account was opened in my name at Wells Fargo without my consent. I have attempted to dispute it and have it remove however the credit continues to inaccurately violate my consumer rights by reporting it. In addition, each credit bureau also illegally reports this fraudulent account as well. There is current a balance reporting of {$18000.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion Credit Bureau has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

In XXXX XXXX I turned in lease of a XXXX XXXX XXXX. The car was washed and they sent me a bill for XXXX {$900.00} to clean up. I did not pay. later they put they amount on my credit report, and as of XXXX they sent a XXXX to the IRS and a copy to me as this sum to be take as income when I filed my Fed taxes. I sent a copy of the form by letter to all the credit reporting agencies, and requested the account be adjusted and removed from file. It was done so several times by the reporting agencies but Toyota Credit electronically continues to accept the status quo. I wrote Toyota Corp. Credit requesting the file correction. Thus far no response.
Product: Credit card

I applied for an American Express XXXX XXXX, my application Reference Number : XXXX, and an American Express Gold Reference Number : XXXX. 

I was denied both times based on my credit report. On your XXXX Prospectus dated XX/XX/2023, page XXXX ( XXXX ) you specifically stated it and I quote " XXXX scores are based on independent, third-party information, the accuracy of which we can not verify. " My credit score isn't a factor in whether I was approved or denied. 

I gave you an application that you will turn into a receivable, sell on the secondary market, and make all your money. I gave you my Social Security number and now you're acting as power of attorney and fiduciary on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

These negative accounts and unauthorized inquiries are inaccurate and wrong. 

REMOVE ALL THE LATE PAYMENTS REMARKS FOR OPEN ACCOUNTS AND DELETE ALL THE CLOSED ACCOUNTS INCLUDING THE INQUIRIES. INVESTIGATE WITH LAWFUL ACCURACY. 

XXXX XXXX XXXX - {$0.00} - XXXX XXXX XXXX XXXX XXXX - OPEN - XXXX XXXXXXXX XXXX XXXX XXXX OPEN - all 3 XXXX XXXXXXXX - OPEN - all 3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX Balance Owed : {$7300.00}, XXXX XXXXXXXX Balance Owed : {$17000.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$21000.00}, XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account for XXXX XXXX XXXX XXXX XXXX XXXX is showing on my credit report. This is fraud and wasnt authorized by me.
Product: Student loan

In 2009 I took out XXXX loans with AES for my higher education. I calculated my payoff time/date and knew when my outstanding balance would be cleared. This company arbitrarily decided, without warning, to under withdraw XXXX monthly payments. A move that was a clear deliberate attempt to prolong my debt and a breach in trust to the indebted, myself, in doing so. My total balance would have been paid off on the XXXX of XXXX had they continued withdrawing payments in the way that I have deliberately chosen to have automatic monthly installments dispersed. They undermined me, my choices, without warning or notification. No email contact, no paper contact through the mail, nor contact by phone. Full well knowing they could squeeze out a few more cents out of me by doing so. They have millions of borrowers nationwide. Imagine how many others they do this to on a monthly basis. You can figure it out with a general idea. By getting over on people like this they are not only behaving nefariously and in bad faith, they are also doing serious harm to people by prolonging their debt. All in an attempt to enrich themselves with a few pennies or a few extra dollars per borrower. Upon calling and speaking to a representative I was told that they can do decide how much to withdraw from me once a single loan in my outstanding balance is paid off in full. So in essence upon seeing that I was about to be paid off they defaulted my withdrawal amount to half of what I intentionally chose and calculated myself to prolong the debt for another month. Complete total XXXX. Absolutely outrageous.
Product: Debt collection

Item was disputed on Credit Report since XX/XX/2019. The item is not my account. I do have an account with this credit and I haven't open an account with this credit. 

I have asked the credit bureaus to investigate the item and company and the credit bureau will not provide written documentation or proof of a contract to me to proved that I have an account or open an account or have association with one of the company 's associated businesses. 

I have contacted the company and the account is a business account. I do not have a business or a business account with this company.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XX/XX/year> XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ARE REPORTING FRAUDULENT INFORMATION ON MY CREDIT REPORTS IVE DISPUTED THIS FRAUDULENT ACCOUNT AND I HAVE ATTACHED FTC FORM WHEN DISPUTE WAS MADE.
Product: Credit card

I have XXXX different retail credit cards managed by Synchronicity/GE. All of them with decent limits. I was running balances on all XXXX, with perfect payment history. I paid XXXX of the cards in full and 80 % of the other card. Suddenly, the limit on that card was lowered to {$300.00} with no explanation. The other XXXX limits were then raised. This is fraudulent. How would a bank determine they want to dramatically lower your limit on XXXX card and then drastically raise your limit on the others? When I called, they said they did n't have access to the reason, and that I should be receiving a letter explaining why. I received a letter that in so many words stated they re-evaluated my credit and made the determination. This is unjust and I would like to see some action take to bring my limit back up. Closing these accounts would severely damage my credit that is important to me as it is to all of us. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

All I wanted to do is confirm that I still have a credit freeze with Experian. 
XXXX & XXXX did this in three minutes or less. 

I spent more than 45 minutes trying to confirm my credit freeze but the two people I spoke with said I answered the questions wrong. Apparently, Experian has the WRONG INFORMATION as the other agencies asked the same questions. XXXX Emp # XXXX said I answered the questions wrong about my credit card payments. I had the statements in front of me and was reading them to her. She said the information I gave was wrong even though it is directly from the statements. 

I would like my information to be correct and I want to conform I still have a credit freeze. 

Experian will not allow me to have any of my information because the questions they asked, they said I answered them wrong. Yet, the answers came directly from the credit card statements. 

They will not allow me to sign in online or give me any information period. 

Please confirm that I still have a credit freeze and let me sign into my account as the other agencies do. 

Best regards, XXXX XXXX
Product: Checking or savings account

Hello, I went to Schwab at in XXXX on XXXX XXXX to open an " checking account '' and credit line. I filled out the application with XXXX XXXX-personal banker specialist and I also provided 2 years of family wealth that I get from XXXX XXXX XXXX XXXX. I own a property for 13+ years which is on the market now and the proceeds of $ XXXX. 

I went back the next day. XXXX never called me, the account was closed, I spoke to the bank manager and he wished me will and never helped me his name is XXXX XXXX. 

Schwab gave me the reason the account was closed was that XXXX was reporting it couldn't be opened. 

I have had identity theft and a police report so I have never reported to XXXX or corrected anything with them. I do have a file number with XXXX and I believe we are still working through issues. 

The account should be opened with a credit line. I have contact their customer support to escalate the issue.
Product: Mortgage

I mailed correspondence about regarding XXXX illegality and fraud, that XXXX XXXX Corporation received on XX/XX/2022. However, XXXX XXXX Corporation failed to address every concern within the correspondence.