23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was supposed to receive direct deposit XX/XX/2024 I usually get paid 2 days early on a wed when I noticed I didn't get paid I kept notifying my bank and my job to find out the issue my job said the money was sent my bank tried to tell me nothing was never sent on Fri the XXXX approximately at XXXX I get a message from my bank saying they had technical issues on their end and contact my employer to send it again i contacted my job and they said the money was never kicked back to them so call again Monday, on XX/XX/XXXX i contacted my job about my money they said it was never kicked back to them so I called the bank again they said they would put in a report about my missing money and email me which i never received a email so XX/XX/XXXX I called my job again to check on the status of my money it still wasnt kicked back to them so I called the bank again to question where my money was they put me on hold several times came back and said they couldnt do anything for me so I asked for a manager they put me on hold came back and said all the managers were busy can we get your email i said yall said that the other day and said i will wait they said no i asked the guys name he said XXXX i said can i get ur full name he refused and proceeded to hang up on me XXXXXXXX XXXX is not trying to fix the problem or even speak about it I'm without money and they don't care
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an account and inquiries I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The Experian and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Experian XXXX XXXX XXXX  XXXX Liability : {$0.00} XX/XX/XXXX XXXX  XXXX XXXX Liability : {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This account is not mines I reported since reported negativity on my account which is only when I found out, I have mailed evidence open XXXX different fraud claims and they finally said because a relative is on this account they would not remove it because it looks like I was involved than I talked to the company itself and found out it was a security system and they just walk up to doors offering services and whom ever use my information didnt even need identification to prove they was me only my first last and social which is also not right? How would they have proved it was or wasnt me than I provided my lease for last 6 years identification and bank statements of time of opening and still they refused to close which is over the amount of evidence for reasonable doubt even filed a identity theft complaint.
Product: Debt collection

After reviewing my credit report on both XXXX and XXXX i noticed that there is a collection from XXXX / Convergent Outsourcing. It was opened on XX/XX/2019 amount of XXXX. I have no clue where this collection came from. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 
Collection Details : Company : XXXX, Convergent Outsourcing. 
Date : XX/XX/2019 Amount : XXXX
Product: Mortgage

Been paying on this mortgage for 14 years, XXXX  a month and after 14 years only XXXX  comes off the principal, this is absorbant interest charges, this company should be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX claims that an account from XXXX XXXX XXXX has been documented and prove valid. Yet, I 'm still waiting for documentation from the creditor since XXXX 2017. 10  Months later. My credit has a mark on it because of this. How can a company deem something valid but yet the consumer is still waiting on the documentation. Please help me resolve this with the 3 credit reporting agencies on getting the removed as it has not been validated to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, CrediBureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XX/XX/2022 XXXX 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 have been trying to dispute a fraudulent account on my Experian report for multiple times since last year. It's a secured XXXX XXXX XXXX Credit Card account, opened in XX/XX/XXXX with an address where I lived in XXXX. 

This is like the sixth time, I try to dispute it. And on XX/XX/XXXX, when the last time I disputed it, in the Experian dispute center, a message says this fraudulent account was already deleted. But I just noticed earlier this month the fraudulent account is still in my report right now. I dont know if it is because Experian put it back later or if it has never been deleted at all. 

I contacted Experian representatives again, and they suggest again that I should contact XXXX XXXX XXXX XXXX directly and get a police report. So I contacted XXXX XXXX XXXX again, spent hours on the phone. I convinced them to double check agai n and again. However, they can still only found 4 accounts in total, with 2 accounts that directly associated with my SSN, and 2 other accounts that I was an authorized user. And none of these accounts match with the fraudulent one. 

I tried again to get a policy report. But the local police precinct said they cant file a report if the creditor cant even confirm the account exists in the first place. 

I requested the credit report again from XXXX and XXXX, and neither of them reported this fraudulent account.. 

Both XXXX XXXX XXXX and the local police department suggest again that I should contact Experian directly to resolve this. Because it appears to us that the Experian is literally the only one that has the information about this fraudulent account and is able to do something. 

I'm clearly a victim of identity theft crime, and I have been calling and mailing Experian, and uploading through their websites since last year to try to fix it. 

BUT, every single time, they just simply start a new dispute, and wait another month to send me a report says something like " This item remained unchanged from our processing of your dispute in XX/XX/XXXX. '' And again, their phone reprehensive tells me to contact XXXX XXXX XXXX and Police department. BUT XXXX XXXX XXXX couldn't even find this account and Police department can't file a report for non existing account. 

So every time when I contact Experian, no matter how many times I have to explain to them, they just push me into the same path again and again. I am really exhausted running in their dead loop. And this account is charged off and every employer and creditor can see it. It is damaging my career and threatening my live. 

It's a secured card with only XXXX limit opened in XXXX with an address from 5 years ago. I have been using unsecured card since XXXX and moved every year, and Experian has record for those. 

Everyone else could easily see this is a fraud account, XXXX XXXX XXXX can see it, my local Police Department can see it, XXXX can see it, XXXX can see it. Literally everyone but Experian. I don't know what got into their mind, they just can't make it right.
Product: Bank account or service

BBVA Compass froze my account without notice after cashing a fraudulent check because they did n't do their due diligence and verify funds availability of the check ( POLICE REPORT FILED ON WEDNESDAY, XXXX XXXX, 2015 WITH THE XXXX SHERIFFS OFFICE IN XXXX, FLORIDA ). Further I was not notified in any way about my account being frozen or the fact that they are going to hold my employer based direct deposit and all other accessible funds on my account, which has placed my family in dire financial constraints even for basic necessities. All of this was without knowledge to me of what the bank was doing with my account/ my funds. All of which violations of Regulation E, Graham Leach Bliley Act, Dodd-Frank Act and financial acts relative to full disclosure given on actions taken by financial accounts to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX listed multiple 30/60/90/120 day late payment on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX and XXXX. Please remove the 30/60/90/120 day late payments from my credit reports.
Product: Debt collection

Debt is from 19 years ago I have written them letters told them repeatedly not to call me they call me daily very rude and abusive
Product: Debt collection

After contacting XXXX XXXX Issue still is not resolved! THIS ACCOUNT WAS OPENED FRAUDULENTLY! 
THEY HAVE YET TO PROVIDE ME WITH DOCUMENTATIONS THAT HAS A SIGNATURE, PHONE NUMBERS, SOCIAL SECURITY NUMBER, OR DATE CONTRACT WAS FRAUDULENTLY HONORED!
Product: Credit card or prepaid card

Approximately 3 weeks ago I tried using my CITI card but it got declined? I called the company and was transferred to the Fraud department. Apparently some one had hacked into my card? I went over all the pending purchases with the representative to ascertain all my charges. There was only one fraud charge at a XXXX in XXXX, TX. A few days later my electrician called and said my payment had been denied for {$3000.00} and in addition he was charged {$150.00} in fees? I called the company talked to XXXX XXXX on XX/XX/XXXX. She informed me that 3 charges had been rejected by the fraud dept? {$150.00} to a restaurant and {$27.00} to a butcher and {$3000.00} to my electrician? She was going to look into it and call back. OnXX/XX/XXXXXX/XX/XXXX I messaged CITI online spoke to XXXX who suggested I contact the fraud dept. On XX/XX/XXXX I  called the fraud dept and was transferred to a lady in XXXX who advised me the charges would be reversed in 3 to 5 days. On XX/XX/XXXX I called CITI and requested to speak to a supervisor, nobody was available and I was told some one would call me back? No one did! On XX/XX/XXXX I called the fraud dept talked to XXXX # XXXX  he advised me the charges were NOT going to be paid and I had to call customer service about the {$150.00} fee charged to my electrician? On XX/XX/XXXX I talked to XXXX a supervisor and was told it could take 45 days to pay the electrician? I reside in Texas its in the high 90s and the electrician who was installing a new unit refuses to come out till he gets paid in full as the {$3000.00} was only a half payment down. PLEASE HELP!
Product: Debt collection

I was reviewing my credit report and I notice Credit Collection Service XXXX agency was reporting a debt of {$160.00} on my credit report. On XX/XX/2021, XXXX issued a credit to me in the amount of {$210.00} because I canceled my policy. I have never given Credit Collection Service XXXX permission to send my personal information to this collector. Thereby, I would like to request signed validation of debt documentation approving my release of records to this third-party entity.

1. ) Please provide a breakdown of the debt and give an explanation as to why I was refunded.

2. ) Please provide a copy of my signature with the provider of service to release my information to an unknown entity.

3. ) Cease any credit bureau reporting until the debt has been verified through me.

4. ) Please send this information to my address listed above, which should be XXXX XXXX CT XXXX, NC XXXX. 
* Also, this is my formal debt validation request which I am allowed to submit which is substantiated by the FDCPA ( Fair Debt Collection Practices Act ). Please note that the falsification of the information you received from this provider is in violation of the FDCPA because you will be deceiving me after my written request for debt validation. Having that being said, I request full documentation of what you received from this provider of service in connection with this alleged debt. 
Additionally, any reporting of the debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek punitive damages from this collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter to XXXX, TransUnion, and XXXX  to dispute to 2 public record accounts XXXX XXXX XXXX, 2 collection accounts from XXXX XXXX and 16 inquiries in total which is in violation of FCRA 15 USC 1681b ( a ) ( 2 ) : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

This is also a violation of FCRA 15 USC 1681a ( 2 ) ( A ) ( i ) : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1681a ( b ) defines person as : ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

I am the consumer in fact and I never gave anyone permission to furnish my information. No consent is identity theft.

The person or persons who invaded my privacy are fault via FCRA 15 USC 1681 ( a ) ( 4 ).
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you VERIFIED the above, so that I may follow up.
Product: Credit reporting or other personal consumer reports

XXXX is reporting my credit card accounts wrong. The amounts owed are all wrong and need to be corrected. 

Also they need to remove old paid off accounts.
Product: Bank account or service

My name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX, OH XXXX. Phone # XXXX XXXX XXXX. I have account with PNC Bank. Last three month, I am getting charge for {$3.00} each month for " check images in statement fee ''. This service I never authorized or signed up for. They signed me up without my consent. Now I have been calling them each month to take this service off and give me the credit, but they refuse to do that. This is a bad business practice. Please help me resolve this issue. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been several unknown credit inquiries on my XXXX Report that started XX/XX/XXXX up until most recent XX/XX/XXXX. Below are the list of companies, dates of inquiry and the outcome deemed by the companies. 

XXXX XXXX, XXXX- Continental Finance - A letter was sent to me by mail stating, a XXXX XXXX application opened by unknown person and outcome from company was that the account opened from an unknown source was fraudulent. A fraud investigation was initiated, but there have been no updates of the outcome. 

XXXX XXXX, XXXX XXXX XXXX XXXX- A letter was sent to me by mail stating, a fraudulent application was submitted using your name. I called the company to confirm that the application was not open by me. The credit bureau agencies were notified by XXXX and they requested that the inquiry be removed from my credit report. 

XX/XX/XXXX- XXXX XXXX XXXX  XXXX XXXX A letter was sent to me by mail, stating that an application was opened and was unapproved due to elements associated with fraud. 

XXXX  XXXX XXXX XXXX received on XX/XX/XXXX stating to please call them right away because they detected suspicious activity on your credit card and the account has been suspended. I have never applied for a credit card with XXXX  XXXX XXXX. I contacted the company and they gave additional information on how to report fraud alerts to the credit bureaus and the Federal Trade Commission.
Product: Credit card or prepaid card

Chase back has raised the interest rate for my account from 22 % APR to an astonishing 25 % APR. In my current situation, the 22 % APR was barely manageable. Chase failed to disclose this interest by means of notification. I log into my account to budget payments and saw the change. I called chase and they offered to send me a letter stating the increase. I stated the letter should have been sent before the increase, a letter now is useless since they made the change. I spoke with a supervisor and request a lower interest rate since the 25 % is ludicrous. He said that the rate was tied to the fed increase in interest rate. I find this to be faulty logic since my account is with Chase not with the Fed. I understand that the Fed increase will hurt their business but that does not mean that can raise my interest rate with out any notification. 

My next steps is to transfer the balance to a low interest rate credit card that will be manageable. I would for Chase to admit their mistake, stop this practice, and offer a monetary compensation for my frustration. For nearly 8 years I was their customer and made all payments on times. I accepted the interest fee on my accounts as part of the agreement I made. It is unacceptable for them to raise my fees with out so much of the courtesy to notify me, yet they always send emails for me to transfer balance at 0 % or to use the card at certain stores.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XX/XX/year> XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX fXXXX XXXX XXXX ALL unfamiliar and unauthorized by me..I have made attempts to call these establishments but have been unsuccessful.
Product: Debt collection

I fell behind during a financial issue on debts, as I was catching up everything XXXX sold my debt before I could recover. XXXX XXXX XXXX bought the debt and issued a letter threatening to sue me in XXXX. I responded in XXXX with " first request ' requesting to have a payment arrangement sent to me. A month later I got a second notice threatening to sue me. I again responded with 'second request ' for repayment schedule. In XXXX I was notified that XXXX XXXX XXXX and their attorney XXXX XXXX had filed a lawsuit in court against me. I have attempted to obtain a repayment schedule form them again, this time by certified letter to XXXX XXXX, XXXX XXXX XXXX and copied all to XXXX County Court. They have deceptive practices and I will not make a non-binding verbal agreement over the phone to only have them continue with the lawsuit to garnish my wages/property. I am attaching copies of the most recent letters and USPS tracking numbers. In addition a screen print from their web page showing I can not set up payments. I was able to work with all of my other creditors to catch up and have one additional in collections that have allowed me to set up payment arrangements. It seems MCM is only interested in deceptive and threatening practices, not in actually working with the debtor to get the debt paid. I still would like to opportunity to set up payments on this account and have the lawsuit removed.
Product: Credit reporting

I paid my student loans to XXXX in full, then closed my account. My spouse, who passed away, also had student loans with XXXX. After she died, XXXX tacked her charges to my account -- -even though my account was closed. 
I submitted a complaint with the XXXX about it. XXXX XXXX, XXXX '' & lt ; XXXXXXXXXXXX & gt ; contacted me as my advocate at XXXX. 
He told me that the charge had been incorrectly added to my account. Moreover, he told me that the balance would be removed, and the credit bureaus notified. It 's been over month and a half since he gave me this update, and XXXX has not updated the bureaus. 
XXXX XXXX also has not returned my follow-up email or my call after I inquired about the lack of change. Please help me.