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

This is my numerous 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 an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2022, XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Equifax only provided its general consumer information that's listed on its website, and frivolous information that was submitted by its furnished which does not validate any debt of me as a consumer ( uploaded ).

FAILED TO CURE COMPLAINT # XXXX 15 U.S. Code 1681n - Civil liabilityforwillful noncompliance. U.S. Code.

NOTE : I the consumer again request that Equifax remove any mention of this collection ASAP per the Fair Credit Reporting Act.

The Listed collection account below continues to violate my Federally protected consumer rights to privacy and confidentiality : FCRA violations : 15 USC 1681 section 602 A & 15 USC 1681s-2 ( a ) ( 1 ) EQUIFAX - Reporting 1 Derogatory marks XXXX collections- XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and delete them immediately in my report : XXXX 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

I applied for an an apartment and received a denial and adverse action letter for a rental collection that was placed on my credit report without my knowledge or consent from a collection agency named XXXX in the amount of $ XXXX.It is illegal to place debt on someones credit file that is invalid. I have never lived at this property nor have an address attached to it. I filed a police report for identity theft and have proof of it attached. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens, ( mo ) ( 281 SW 715, 719 ), I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Please have this removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach and identity theft. As such, I am requesting that all fraudulent accounts listed below be blocked, deleted, and removed from my credit report immediately, pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). I have reason to believe that the following accounts were opened or utilized without my authorization : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$36000.00} XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$4500.00} XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2700.00} XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$240.00}
Product: Debt collection

I filed a dispute with Equifax about XXXX. XXXX XXXX and than XXXX. XXXX XXXX started to add fees to my accounts every week, every month and every year.
Product: Checking or savings account

I was charged an overdraft fee on my Wells Fargo Checking account when the balance was shown as positive in the App after said transaction. The representative states that there was a previously posted transaction in the system which was placing my account as a negative Balance, yet that was never shown on the Wells Fargo App. I am now being charged a {$35.00} fee for a transaction that did not reflect to have sent my account into the negative. Furthermore, said transaction was a funds transfer through their XXXX system, and this system will not permit a transaction to be processed unless funds are available at the time of the transaction.
Product: Credit card or prepaid card

I sent a payment to Citi Bank in error and would like that money refunded. As of XX/XX/XXXX I no longer have an active credit card with XXXX XXXX Citi Card Visa, that card was replaced with a a XXXX XXXX American Express in mid XX/XX/XXXX. XXXX XXXX entered an exclusive partnership with American Express and replaced the Citi XXXX XXXX Visa card with an American Express card. Unfortunately I did not properly remove Citibank credit cards from my XXXX XXXX XXXX bill pay and inadvertently sent Citi Cards a payment in the amount of {$110.00} on XX/XX/XXXX that was meant for the XXXX XXXX American Express Card. 

I received a letter from Citi Cards dated XX/XX/XXXX which was addressed to my husband XXXX XXXX, ( his name appeared first on our check that Citi Bank received from XXXX XXXX XXXX ) acknowledging receipt of the payment and their inability to identify an account. ( I no longer have a Citi Bank credit card ). However Citi Bank deposited the payment. I contacted Citi Cards and spoke with three different representatives on XX/XX/XXXX in an attempt to resolve this matter. I do not recall the first rep 's name, XXXX was the second rep and the last woman I spoke with would not give me her name but said she was a manager for the department and was unable to help me because I do not have an account with them, she suggested I call American Express or go to a Citi Bank branch office. None of the representatives that I spoke with from Citi Cards could explain why the payment was processed when there was no account found in their system to coincide with the payment. I contacted my bank, XXXX XXXX XXXX and their representative explained they were unable to stop the payment because the check had already been cashed/deposited by Citi Bank.
Product: Money transfer, virtual currency, or money service

My complaint is about Paypal. I have had an account with them for many years and, recently, they decided that they would limit my account. I do travel through a company called XXXX XXXX XXXX XXXX ( XXXX ). They pay me as a contractor but, I do n't have to setup my own business. However, they do provide me a website page and I was trying to draw people to that page via facebook. As a result, Paypal decided to setup my personal account as a business account and requested information from me. I submitted the address verification however, the link for the business submission did not/does not work. I called Paypal about this problem and they told me to just submit the proof of address and ID information, which I did. They said that my limit would be removed within 24 hours of sending that information. It has been weeks. I have n't been able to make payment via their site and my bills which I had paid through Paypal had to be setup with credit cards. Therefore, their account is no longer useful to me. I have requested that they close my account so that my personal information is not on a site which I no longer use. They have told me that I can not close my account while it is limited. However, I can not get it out of limited status even with phone calls, emails, and doing what they ask. How is this company able to hold my personal information ( SSN, credit cards, bank account information ) without my permission? I just want the account closed and to no longer do business with them. Case ID Number : XXXX
Product: Debt collection

I received a paperwork from the US NY Marshall for garnishment of my check in late XXXX. The paperwork states that I owe a debt to capital one. I contacted the number on the paperwork and was informed to go to the police station to file a fraud report. I was advised that they are not filing reports since there is no party to file against base off my paperwork. I paid the agreed amount back in XX/XX/2019. This information reflects on my XXXX credit report and XXXX XXXX reporting. My report this morning reflects XXXX  accounts in collections. I have an email from XXXX XXXX that I paid off a collection account with 08 Capital One Bank USA N A.
Product: Credit reporting or other personal consumer reports

Per XX/XX/XXXX, I received a notice from XXXX/Department of Education that I received a total and permanent discharge of my student loans ( TPD ). This is not accurately reflected in all three credit bureaus. When I disputed the claim with XXXX in late XXXX, for example, MOHELA returned information saying that it was accurate. 

Further, my account with XXXX is reflecting a past due balance and after repeated communication, they have not responded or resolved the issue. 

Something is wrong with their system and it is costing me money. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX FINANCE. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed two disputes with XXXX in XXXX and XXXX of 2019 because XXXX, XXXX and XXXX of 2019 mortgage payments shows ( No Info ) for ( Specialized Loan Servicing ) my mortgage company.These payments were on time.My term is also showing ( no info ) which my loan is a 30 year term.Both filed disputes states that the company stated the information is accurate when they were completed by XXXX.Also the payment status on my report for this loan states ( no info ) and should sayCurrent.
Product: Credit card

I got a credit card from Commerce Bank called XXXX XXXX XXXX. The promotion was {$200.00} and free interest foe 12 months. I spent the money required to get the {$200.00} and the {$200.00} was loaded to my rewards account but before I could withdraw the money it went missing. Now they say I'm under a different promotion and want to know the promotion offer I signed up for. I havent been able to find the original paperwork for the promotion. Also something very odd is my rewards account has no history of points being issued or withdrawn. It should have history since I did spending. Theres no history because their system made a mistake and took my points.
Product: Debt collection

D2 management is harassing, calling all time of the day, a person by the name of teffany has my social security number and I do not know how these persons have it. Calling demanding money for something I dont know anything about. They have no right, they are practicing deception acts that violate the FDCPA, TILA and the privacy act of 1974!
Product: Debt collection

I did not receive notification of a debt collection. I only found out when it was reported on my credit report, damaging my score. I have never received any communication from the debt collection company. I have requested debt validation and a request to remove the collection from my report with no response.
Product: Credit reporting or other personal consumer reports

XXXX credit card on my credit reporting of potentially negative on XXXX XXXX XXXX for 30 days late payment. 

15 U.S code 1681a ( 2 ) ( Ai ) 15 U.S code 1666b ( a ) 15 u.s code 6802
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, a company named Radius Global Solution placed an account under collection on my credit report. The company failed to properly verified the debt or abide by the FDCPA. This account does not belong to me or I lack enough info to claim ownership of the account. For then underlying reasons, I would like the company to remove the account from my report and contact me at XXXX
Product: Checking or savings account

My name is XXXX XXXX and I'm Preferred Rewards Platinum customer of Bank of America 2019. I'm writing regarding outrageous situation that happed with my funds. 
Basically, without any notifications XXXX XXXX $ were withhold from my account and I could not receive any sustainable explanation from the front office staff. 
I work in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. My current position is a XXXX XXXX XXXX XXXX and l 'm responsible for servicing XXXX XXXX XXXX. My wife and XXXX kids live in XXXX XXXX, Florida ( XXXX ), due to active full-scale war in XXXX. Funds that were withdrawn are vital for my family to survive. We do not receive any support from US government and all living costs are covered from funds I provide to my family. 
10 transactions that were claimed were receivables from the sale of USDT ( crypto currency ) that were sold on XXXX XXXX  I have all the orders saved and can provide if needed. The person I was trading with made a banking transfer and provided me with the proof, therefore I released the crypto currency to his account. 
I just can't understand how received money transfer that was accepted, after 4 days, can be claimed without any notification. I sold an asset, received money transfer and then this money were just withdrawn from my account after 4 days of the transaction, so I could do nothing at all. This is very disappointing situation that do not contribute to secure and reliable banking institution as Bank of America.

Please could you clarify and investigate this mater, Ill provide any additional documents needed for this purpose. I need my funds to be returned to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Bank account or service

XXXX XXXX checking account in XXXX 2016 that promised a bonus of XXXX XXXX XXXX AAdvantage miles in exchange for opening a new account and meeting several requirements. Citi 's own wording promised the miles would be deposited into my account within 90 days of completing all requirements. After verifying in writing with Citi that my account was eligible and exactly what steps were required, I then met all these and waited the 90 days Citi stated would be required for deposit. After 90 days without any communication from Citi and no miles deposited, I contacted Citi about the issue. Their response was essentially to deny that my account was ever approved for the award miles bonus despite my written assurances. XXXX, Citi has decided to not honor their part of the deal despite my completing all steps required for the bonus. Moreover, Citi are still charging me a usurious $ 30 monthly fee to maintain this account. I have no choice but to pay this fee because if I downgrade or close the account before the award bonus is awarded then the bonus offer is forfeited per Citi 's terms.
Product: Credit reporting or other personal consumer reports

Transunion has has not updated nor deleted the inaccurate I for that has been reporting on my report for more than 26 months thats XXXX XXXXXXXX XXXX XXXX That is currently in litigation and a federal court case has been established! Also transunion is also violating the FCRA but reopening every 30 days and reporting false reports thats the same accounts are closed! This is fraud and need to be cease immediately. The account that is reporting is XXXX XXXX XXXX XXXX! The account has been closed since 2022 but transunion is falsely updating every 30 days! The XXXX XXXX  that is reporting falsely has already been discharged and should no longer be reporting! Also with student loans that is a violation of FERPA the Family Education Rights and Privacy act and also has been discharged!
Product: Mortgage

Due to my having to file for XXXX due to a sudden XXXX of my XXXX XXXX from XXXX XXXX  for XXXX XXXX, & now experiencing XXXX XXXX XXXX in my XXXXXXXX XXXX XXXX XXXX ; I sought modification relief on my home of 38 years with my first lender, XXXX XXXX starting in XX/XX/XXXX. I was granted a modification for that loan in XX/XX/XXXX, & have maintained an excellent repayment status. 
Subsequent to receiving a modification on the 1st mortgage, I immediately applied for modification on the 2nd one, with Ditech, then GreenTree, then back to Ditech again. The interest rate on that loan is@ 8.5 % ; and Ive had the loan since XX/XX/XXXX. For the past two years, I have submitted several loan modification applications, have spoken to my local Housing Partnership service, have acquired a lawyer from my county law service, & have had a hearing in our county offices regarding resolution. Ditech consistently loses the applications, lets them 'age out ' so they expire, & has attached thousands of dollars in legal fees & late fees resulting in the loan being nearly doubled from its origination. After the hearing in XX/XX/XXXX,  my lawyer emailed, & then mailed all the info they asked for. Now my lawyer says they let yet ANOTHER app 'age out. ' This is the ONLY blemish on my credit report. Please, please help me resolve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian added something to my almost perfect credit. This reduced my score by over 100 points. I can not get through to anyone there to make the correction. I believe they just hung up on me. Is this legal for them to have such an impact on my life and not even have the courtesy to talk to me regarding this?
Product: Credit card or prepaid card

My children were given XXXX gift cards over the course of a year from the US Bank National Association ( XXXX ). The cards would never work at any place of business either in person or online. When I contacted them on XX/XX/2022, I was told that cards sold through Indiana XXXX stores had been compromised so the company had canceled them but still allowed money to be loaded onto them and sold. A supervisor took all the card numbers and said I would be issued replacement cards and the replacement card fees would be waived. When I received the XXXX replacement cards, all of them had the {$5.00} replacement fee taken off of them. I called and was told to wait 10 business days and the money would be refunded. After 12 business days I called because the money was not put back on the cards yet and was told I would just have to wait. No time frame was given and I wasn't allowed to speak with a supervisor. In total I have spent over 2 1/2 hours on the phone dealing with this. It is ridiculous that a company would continue to sell cards that have been canceled and are now charging their service fee twice essentially. I would like to receive my {$29.00} that was taken out in fees that never should have been charged. 

Card numbers : XXXX, XXXX, XXXX, XXXX, XXXX
Product: Checking or savings account

Hi, there, I opened a new HSBC premier checking account on XX/XX/XXXX in response to a bonus offer of {$750.00} welcome deposit. The offer stated that {$750.00} will be automatically deposited to my account eight weeks after a minimum balance of {$100000.00} has been maintained for 90 days ( as attached ). Early last month I asked about the welcome bonus by web chat, and an agent asked me to call. I called and another agent promised to investigate but I received no deposit or response for another week. I contacted HSBC by web chat on XX/XX/XXXX and the third agent said he/she would issue a request to investigate. Several days later I asked again the fourth agent promised yet again to investigate and gave a response within 48 hours ( the chat transcript attached ). I received nothing after 48 hours, and contacted them the fifth time. The fifth agent said he/she would issue another request to investigate. 

So I don't have an answer about the welcome bonus 7 months after I opened account and five inquires. Hope that you can help me with this matter. 

thanks XXXX
Product: Mortgage

On Monday, XXXX, I emailed my mortgage company to request a payoff, as I am considering selling my home. Using the email located in the lender 's portal, I emailed my request for a payoff statement. The email bounced back as undeliverable. I did my due diligence and made sure the email address was correct. It was. The email address in the lender 's portal for payoffs is not an active email address. I then forwarded my email to every email address on the lender 's portal that I was able to locate, asking that they please contact me or provide me with a correct email address so I may obtain a payoff. 

To date, I have not received an acknowledgment or response from the lender. I am entitled to this information. This appears to be a deliberate action by the lender which is artfully designed to not provide payoff information on their mortgages and the practice is unprofessional. I do not know if this violates any banking laws but I do know I am entitled to obtain a payoff from my lender. 

I would be grateful for some assistance. This lender is : PHH Mortgage ( formerly Ocwen ) who has been guilty of a myriad of violations in the past ( i.e., class action lawsuits. ). 

Thank you.
Product: Mortgage

On XXXX XXXX, 2017 I provided check # XXXX for {$850.00} To Wells Fargo Home Mortgage at their XXXX XXXX Location in XXXX Oregon to pay down account XXXX for my home at XXXX XXXX XXXX XXXX, XXXX Or XXXX. I received a statement dated XXXX/XXXX/17 from WFHM acknowledging receipt of my payment and showing my balance go from {$98000.00} down to {$98000.00}. I later received a letter from WFHM dated XXXX/XXXX/17 stating that : " This statement contains a transaction which is the result of a payment that was not honored by your financial institution, '' and stating that my mortgage balance has gone back up {$98000.00}. In fact my XXXX XXXX XXXX check # XXXX most certainly was cashed by XXXX and I supplied XXXX XXXX WF manager with a XXXX XXXX XXXX statement showing my checking balance lower from {$1000.00} to {$210.00} as XXXX cashed my check and Wells Fargo received my payment. WFHM has steadfastly refused to provide me credit for my payment. My mother XXXX XXXX provided an {$840.00} XXXX XXXX payment to the account which WFHM has applied to the account. I will fax and or mail copies of the check I wrote, my bank statement proving the check was cashed and WFHM 's statement showing they deposited my payment and then lied about not being able to cash the payment. WFHM has stolen my May mortgage payment in the amount of {$850.00}. WFHM has inappropriately applied late fees for my ontime payment. WFHM staff have refused to correct their theft despite my providing thorough financial statements proving that WFHM has cashed my check # XXXX. Collectively, the actions of WFHM employees amounts to collusion in order to hide a financial crime.
Product: Credit reporting

Equifax is not responding to my requests to investigate, verify and remove XXXX account from my credit report that does not belong to me.