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

XX/XX/2022, my attorney deposited a check into my account. The funds are in my account but someone has place a hold on my account and will not remove it. I do not have any garnishments nor do I owe the bank. The hold should have been removed on XX/XX/2022. They will not tell me why the hold is placed. Everyone I've spoken to says they don't know why.
Product: Debt collection

Midwest Recovery Systems placed an account in collections under all three of my credit bureau reports XXXX as of XX/XX/XXXX in the amount of {$810.00}. I have not received any written or verbal communication from this company regarding this collection nor have they allowed me the chance to validate this debt prior to placing it into collections on my reports. My credit reports state this account went unpaid as of XXXX which is not true! I have not had any unpaid accounts in more than 7 years as I have watched my credit reports vigorously. Therefore, this can not be correct. The account number listed on the reports for this collection is # XXXX. If this company can not validate or verify this debt they are not allowed to collect it. Also, an account can not be reported if the ORIGINAL DATE OF DELINQUENCY is more than seven years. Midwest Recovery Systems will need to provide proof of the original delinquency date which is the date the account first became delinquent ( with original debtor ) and after which it was never again brought current in order to continue reporting. 
Address on file : XXXX, MO XXXX or XXXX XXXX MO XXXX.
Product: Credit reporting or other personal consumer reports

After I reviewed my credit report, I noticed that there were a few accounts listed that didn't belong to me. I've never given these companies reporting or anyone for that matter my personal information. Below are the accounts listed : XXXX XXXX XXXX Bal- {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Bal- {$0.00} XXXX XX/XX/XXXX
Product: Debt collection

Company not following FCRA guideline when it comes to reporting and validation. I sent this company 5 letters for a validation of debt over a 6 month period. Received no response. In legal terms meaning you have 30 days to respond in which Ive yet to receive anything. They continuously keep re-aging the account and keep reporting negatively to the 3 credit bureaus. They even have the account set as open when its closed which from my understanding is in fact ANOTHER error. This company is violating my consumer right to privacy pursuant to 15 USC 168 1b2. Company also has No permission to report ANYTHING using my info.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 major credit bureaus are PURPOSELY refusing to report my credit utilization. They only will report fraud negative things to reflect my credit.Also, XXXX claimed to have no record of me having a credit card ( XXXX to boost credit ), XXXX had nerve to email me to leave a review of the same card they told the cfpb they have no record of. Ever since equifax went up, only a inquiry updated, never my positive payment history for 3 months.also on the day my credit updates on XXXX, it just says period and won't updte.even if my score wont move, report that its on time the same way a fraudulent account is revolving ..this is not by mistake that positive history takes so long to get on record. Not a score increase, just report properly. If I miss a month, all 3 scores will drop, why not at least report when its on time..transunion had my score in the 500s fro a fraudulent cable bill, when it got removed, they dropped my score to XXXX.they also have no record of my 2 secured cards
Product: Credit reporting or other personal consumer reports

A utility account has been fraudulently applied to my credit profile. The account is dated for XXXX XXXX XXXX in the amount of {$190.00}. The company refuses to listen to reasoning that the account is fraudulent.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I submitted an application for a personal loan for {$5000.00} from Upstart. On the same day, they denied the {$5000.00} but said they would approve {$3300.00}. On XX/XX/2022, I received an email stating that I qualify for a loan and asking me to complete my application, which consisted of submitting a picture ID, a statement from my bank and a picture of my degree from XXXX, which I provided. On XX/XX/XXXX, I received a request for a quick call/interview, and was asked to provide another form of identification and my pay stub, which I provided on XX/XX/XXXX. XX/XX/XXXX, received an email that my loan was being processed and the processing time may be slow. XX/XX/XXXX, I received an email stating the loan had been approved, instructed to log into my account to review and accept the final terms. Upon logging in, I signed the promissory note and checked the boxes, and then it states your credit report will be pulled. Upon hitting enter, a message comes up that and says we are unable to approve your loan. My concern is what was done with my personal information during the timeframe designated as " processing ''? Why wasn't the credit report pulled initially to verify loan eligibility. This company misleads and is not truthful in its lending process ; they did not do their due diligence and present false information to the consumer.
Product: Mortgage

This is my second complaint with Wells Fargo. I have tried countless times to get resolution on my home mortgage and escrow balance due to a new assessment ( lowered ) via the city. I submitted the certified docs in XXXX which the bank ignored. My mortgage payment has been escalated and balance in the negative bc of what the city sent them for the previous year. 2019. They have been charging me the wrong amount from XX/XX/2019 until Now. They still have not adjusted my Mortgage amount and it shows to date an advance to my escrow of XXXX dollars. I am tired of dealing with this incompetent crooks. I sent a new certificate from another city official even whole closed due to COvid. They did nothing. 

I want this resolved ASAP and I want a refund for the money they took per month aT XXXX dollars which was designed to make up for the negative balance escrow based on the wrong or higher assessment originally given by the city. I hired a lawyer and fought it My assessment for XXXX XXXX XXXX is now XXXX. They wanted taxes for XXXX and didnr honor my homestead exemption either. Help me
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX SS # XXXX ADDRESS XXXX XXXX XXXX XXXX CA XXXX Todays date XX/XX/XXXX I have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAME XXXX XXXX ACCOUNT # : XXXX i ask for the companies involved to do a PROPER INVESTIGATION AND DELETE THIS ACCOUNT PLEASE THANK YOU.

THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE/ACCOUNT STATUS/ BALANCE / PAYMENT HISTORY LAST DATE REPORTED IS INACCURATE AND ACCOUNT NUMBER IS INCOMPLETE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. I filed an IDENTITY THEFT CLAIM I WILL ATTACH THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) DELETE THIS FRAUD ACCOUNT THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are really affecting my Credit standing and a chance of getting a card approval. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

-XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX -XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX -XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX called me a couple of weeks ago to ask me to make a payment. I explained that I had never applied for a loan there, and that all three of my credit reports have been frozen for several years, so no one should be able to establish any new credit in my name without my knowing about it, so I assumed that the call was fake. 
Then, on Thursday XX/XX/2022 I received a Past Due Notice from the same company -- XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, IN XXXX ) -- that showed a principal balance of {$22000.00} that had become past due on XX/XX/2022. I checked my credit reports online immediately, and it appears that the loan was taken out on XX/XX/2022. I believe this loan was done fraudulently without my knowledge. I have no idea how this company was able to create a loan in my name when I have freezes in place with all three credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX  Balance : {$8300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called Loan Depot to ask about loan questions. I was asked my name, address, ss # and telephone number. I was then asked did I want a 30 year loan. I then asked if you ( Loan Depot ) did commercial loans. I was told no. Loan Depot received a credit report from XXXX without my authorization. 

I called Loan Depot on Thursday XX/XX/XXXX, and asked as to why you ( Loan Depot ) ran my credit report. I talked to a female that read the file that was established with my name on it and she repeated the information that is the above mentioned. I was then told that since a file was opened with the stated information that a deletion letter could not be issued. I then asked for a copy of the recorded conversation of XX/XX/XXXX. I was told that the recording could not be found. I then asked why would a credit report be warranted if you ( Loan Depot ) didn't do commercial loans. I received no response. 

On the same day XXXX ran my credit report from XXXX. I have never spoken to XXXX before XXXX. I tried to talk to their serving department, however all I was able to do was to interface with XXXX XXXX auto attendant and received no option to talk to a live person in their servicing department. As far as XXXX goes I could not even request a deletion letter for the hard inquiry. As a result of the XXXX hard inquiries on the same day that were unauthorized my credit score dropped more that XXXX points.
Product: Checking or savings account

On XX/XX/2020 my account was hacked where the hacker initiated a {$5000.00} funds transfer from my outside XXXX account to my USAA checking account which USAA made available immediately. As I had USAA on the phone, the hacker then did a wire transfer of {$4600.00} from the USAA account to their bank. In real time, USAA initiated an investigation into the wire transfer. I stopped payment on the transfer from XXXX ( there was not enough funds in that account to even cover such a transfer ) which caused an overdraft in my USAA account. Rather than crediting this fraudulent amount back to my USAA account, they left it overdrawn. Fast forward to now ... I have tried several times to follow up on this investigation and can't get anyone on the phone. I have been told on three separate occasions that they have put in for a call back and that it could take up to 3 business days. Still, NO CALL BACK. In addition, the bank has called me two times to collect this " debt '' I have explained each time that it was fraud and being investigated ... this didn't seem to make a difference. They told me that if I didn't make it current they would close the account and charge it off. As of XX/XX/2020, the account has been removed from my access, closed and charged off. this is not acceptable. In addition, they owe me money that was already in the account when this occurred and the profit sharing that we were awarded and was put into this overdrawn account.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and seen a charge off reported for a XXXX back in XX/XX/XXXX, and I never recieved a 1099 c. I disputed threw Experian 's website XX/XX/XXXX, and was told it was updated and verified.
Product: Debt collection

This deceptive company is pursuing me using harassment and unfair collection practices. I have no contract with this company and the bill they are claiming I owe to them has already been paid in full with the original creditor, XXXX. I did not hear from this company until I found an entry from them on my credit report. Once I found the entry, I contacted them to attempt a settlement. From the start of the conversation, this company has been unpleasant to deal with. The representative that I spoke with was rude, combative, and deceptive. After contacting this company and refusing to provide the demanded payment ( {$660.00} ) to them on that call, they proceeded to illegally harass me by filing weekly credit report updates with derogatory information saying the account was past due and I have the reports to prove it. I was told by their representative that I must make a payment with them and not XXXX, however, they also told me that XXXX had not given them any settlement authority so they could not accept anything other than the full balance. Given this information and my complete frustration and disgust dealing with this company, I contacted XXXX directly on XX/XX/2019 and returned the equipment and paid the remaining outstanding balance ( {$460.00} ) in full with XXXX. I have dealt with collection agencies before, which the majority were pleasant and NONE behaved in the manner of this company.
Product: Checking or savings account

My card was charged fraudulently by a company on XX/XX/2022 for XXXX from XXXX. Ronbinhood failed to rectify the fraudulent charges and did not send the documents related to their decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both First Interstate Bank and XXXX to remove errors in my credit report many times and they will not remove this account from my credit report. First Interstate Bank has verified this as being correct. 

This account is Account Number as it appears on my XXXX Credit File dated XX/XX/XXXX Confirmation # XXXX, XXXX FIBANK XXXX XXXX XXXXXXXX XXXX MT XXXX : XXXX. 

The Opening Date on this report shows XX/XX/XXXX. I filed XXXX XXXX XX/XX/XXXX. I did not open this account. ( Error 1 ) Date of Last Reported Update was XX/XX/XXXX ( Error 2 ). There was no loan made with First Interstate Bank ( Error 3 ). This was 24 days after the XXXX  XXXX was filed. FIB claims this was charged off ( Error 4 ). Months Revd XXXX This was not a 6 years loan ( Error 5 ) .Activity Designator Paid and Closed, If this was Paid off was was it a charge off ( Error 6 ) Account History shows payments starting XX/XX/XXXX to XX/XX/XXXX Date of last payment was XX/XX/XXXX - 4 months of difference?????? ( Error 7 ). Date of 1st Delinquency XX/XX/XXXX - Date Maj Del. 1st Reported XXXX/XXXX This is 6 years LATER ( Error 8 ).

High Credit Limit - Missing Information ( Error 9 ) Credit Limit - Missing Information ( Error 10 ) Terms Duration - Missing Information ( Error 11 ) Actual Payment Amount - Missing Information ( Error 12 ) Balance Amount - Missing Information {$0.00} ( Error 13 ) Scheduled Payment Amount - Missing Information ( Error 14 ) Date of Last activity - XXXX Incorrect - ( Error 15 ) Charge off Amount {$0.00} - If this account was multiple years old and charged off why is this amount {$0.00}? ( Error 16 ). 
This account has been verified by First Interstate Bank. By law FCRA section 609 and 611 requires First Interstate Bank and XXXX to report information accurately or remove the account from my credit report. 16 Errors are visible.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX : {$24000.00}
Product: Payday loan

I do n't know how much they are charging in fees because the debt collector wo n't mail me a statement. He says he needs a payment arrangement before he sends me anything in the mail. When he called me, for the second time at work, and I answered him for the first time, he accused me of having a blaze ' attitude and shamed me for ignoring him. He was very unprofessional. When I requested he mail a statement, he said he could n't do that unless I gave him a debit card. I just want something to be sent to me in the mail. He scolded me for not calling him, and I told him I only respond to letters when collections are involved, but no one has ever sent me anything from his company.
Product: Consumer Loan

XXXX XXXX in XXXX reposed a vehicle from me. The loan was through XXXX XXXX. XXXX XXXX sold the automobile after repossession from their car lot instead of auctioning it. XXXX XXXX then sent me to collections saying I owed them {$5000.00} and Proficio Financial in XXXX XXXX Washington reported the debt on my XXXX report as owing over {$14000.00}. After receiving notice of my complaint, Proficio reported to the Washington State attorney general that they had made an " input '' error. I disputed the debt with Proficio and they have mailed me nothing to show the debt is valid. XXXX XXXX is acting like hteye are a lender not a car dealer and this is harassment from them. They also illegally repossessed the car in the first month I owned it because they " forgot to take it of the repo list '' At that time I was current on my contract.
Product: Mortgage

Impounded property taxes for the loan have not been paid. I notified the mortgage servicer on XX/XX/2019 that the wrong property tax account was listed XXXX ( please find attached response ). They went ahead and paid property taxes to the wrong property tax account. I followed up by phone after seeing this and received no response, followed up by phone again on XX/XX/XXXX after seeing the taxes still haven't been paid with no luck, just the same run around I received before. I don't have time to spend XXXX minutes on the phone over and over to chase these people down and get no resolution. I have had nothing but problems with this mortgage servicer. Horrible service, no accountability and no resolution. At this point, the county tax assesor shows that I am delinquent in my property taxes on the impounded account attached to this mortgage XXXX!! Taxes are impounded with my payment, and of course, I am current on my payments. I have attached both property tax bills, the one that was paid incorrectly and the one that should be paid but has not.
Product: Credit card

I signed up and was approved on XX/XX/XXXX for an American Express Gold card with the sign up bonus or XXXX points awarded after {$6000.00} spend within 6 months. When I contacted Amex to confirm my welcome offer, they told me that when I had applied for it, sometime in XXXX, the offer was XXXX points and so I would not be receiving XXXX points. 

The terms in fine print explicitly states that if someone were to be ineligible for the welcome offer, then they would be notified so they can cancel the application. I was never notified and would not have signed up without the extra XXXX points. 

The XXXX offer is still going on now.
Product: Checking or savings account

The response from chase on complaint XXXX is incorrect. 
They show changes to the accounts in XXXX and XXXX, The address changes on my accounts that show XXXX XXXX Washington where not valid at that time. The addresses that they show have only been valid for approximately 1 year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.

Please see attached copy of my letters sent to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly DISTURBED about the credit bureaus have not responding back to me in regarding my investigation. This is a matter that I take serious. I need these accounts that aren't mine to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 


This is my 2nd time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a REAL person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Please do your job!!!! I have attached my ID and utility bill to show who i am!
Product: Debt collection

I am receiving continuous phone calls from a creditor ( Gugliemo & Associates ) despite I am XXXX, receiving Social Security XXXX, and informed this creditor. They continue to call and harass me, and cease to stop. 

Section 207 of the Social Security Act ( 42 U.S.C. 407 ) protects Social Security benefits from garnishment, levy or other withholdings by the federal government, except : To enforce child support and alimony obligations under Section 459 of the Social Security Act ( 42 U.S.C. 659 ) ; For certain civil penalties under the Mandatory Victim Restitution Act ( 18 U.S.C. 3613 ) ; With a Notice of Levy to collect overdue federal taxes under Section 6334 ( c ) of the Internal Revenue Code ; Through the Federal Payment Levy Program to collect overdue federal taxes by levying up to XXXX percent of each monthly payment until the debt is paid under Section 1024 of the Taxpayer Relief Act of XX/XX/XXXX ( Public Law 105-34 ) ; To withhold and pay another federal agency for a non-tax debt you owe to that agency according to the Debt Collection Improvement Act of XX/XX/XXXX ( Public Law 104-134 )