23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have called XXXX multiple times throughout this process, then disputed with not one but two collection agencies, AFNI and XXXX XXXX so far after months of attempting to resolve this dispute they have just changed hands with who I am dealing with in an attempt to force me into paying this debt that they are responsible for. 

My phone was stolen on XXXX  XXXX  XXXX XXXX this year. On XXXX second I had reported my phone as stolen to XXXX on my account online, then received an email on XX/XX/XXXX about high usage on my account. I called XXXX immediately upon receiving this email, and l I told the operator that my phone was stolen as I had marked online ( as viewable from the text proof from XXXX that I had them send me later for a stolen phone insurance claim ) and told them to pause the account, and that I would be moving that number over to Visible. He told me that there would be no issue with that and I would not have to worry about future charges and that the current charges would be marked as fraudulent and set to {$0.00} for me. Proceeding from there more charges occurred with a foreign contact in XXXX during which after each warning email I received I called XXXX and told them these were again fraudulent and to confirm that I would not be responsible for the charges since they continued to grow. From this point forward I was told varying information each time. After the final dispute, I told them that they should send the charges to dispute as they were not me and I had been transparent and honest with each representative. the appropriate phone/service balance with XXXX has been paid off as has the last account/contract charge. The only charge left is the international fraudulent charges. I do not have any specific names of the three representatives I spoke with, just that the contacts started on XX/XX/XXXX, but that I had marked my phone as stolen on XX/XX/XXXX as is verified by the XXXX text message I received after trying to look into my trail of communication. 

The real issue which I would like the CFCB to look into is that I have sent this information to XXXX, AFNI, and XXXX XXXX, all three of which asked for the info and for me to call, then have proceeded to move the debt to another company for me to deal with. I am currently in the process of trying to get a mortgage and this has significantly impacted my ability to do so. This debt should be removed and if further action is needed against XXXX/AFNI/XXXX  XXXX about harassment of customers I would be willing to testify and take this to court as there needs to be clearer protection from this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning This complaint is about experian, Because this company can no longer make money off of my credit file they lower my credit score negative XXXX points, Which places me in a high risk category where I will have to get 18 % loan or a high interest loan on anything that I purchase, When I try to contact them and ask them why they deducted XXXX points from my credit bureau score they really didn't have much to say, Then when I try to use their credit boost over XXXX XXXX try to help me put back my XXXX points, Their system would not allow me to use the boost it kept telling me to try back tomorrow try back tomorrow to I'll try back tomorrow there's an era try back tomorrow but it never worked these companies should not have the legal right to deduct points from you once you pay your bills on time and the credit is off, Just because they can no longer make money off of your file with that creditor, When I went to purchase something I was offered a 18 % in a 24 % because I was in the XXXX hundreds I just want experience to fix their credit system and stop placing us in harms way into staying in debt with high interest rates
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : UNKNOWN XXXX there is some inaccurate information reporting. 
XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX 'S Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Auto Finance- Inquiry XX/XX/2021 This is a fraudulent inquiry on my credit report Ive been trying to get it off for months now I reached out to all 3 credit bureaus and the company already about this
Product: Mortgage

XX/XX/2016, I tried to obtain a loan for an affordable housing property. This is my first time purchasing a home, so the process is new to me. In short, the loan with the first lender I was working with fell through because of the condominium association 's coverage on their XXXX bond was not high enough and therefore the loan was denied during the underwriting process. I was then told to re-apply at Wells Fargo XX/XX/XXXX. The branch manager, XXXX XXXX, passed my file to XXXX XXXX. Before I started the process with them, I explained exactly why my loan was denied with the previous lender as well as forwarding them the emails which contained exact figures regarding the associations coverage. I made it perfectly clear that I do not want to pay any more up front fees unless they were sure that the loan would be approved and the XXXX bond coverage would not be an issue ( since I had lost all of the money I had paid upfront with the initial lender and that Wells Fargo was not able to reuse the appraisals or credit checks that I had already paid for ). They assured me it would not be an issue because of the particular mortgage program they were going to use for the loan. Afterwards, I gave them my credit card info to once again pay for an appraisal and a credit check and was charged both fees on XX/XX/2016 and XX/XX/2016. On XX/XX/XXXX during the underwriting process, I come to find out that my loan would once again be denied due to the coverage on the condominiums XXXX bond ( the same reason I had warned them about before applying ). I emailed my representative at Wells Fargo to ask for them to refund the fees that I had paid since they gave me insurance that this same problem would not be an issue. They refuse to refund me.
Product: Money transfer, virtual currency, or money service

My account was hacked or scammed with my money taken and never returned i tried to reach out but there was nothing i can do and nobody to speak with
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX  and Experian about bankruptcy showing up on my credit report several times. They state that it was verified with the Court. However, in XX/XX/2018 I receive letters from the Court stating they did not verify the bankruptcy with any credit company. I did send them the letter and the bankruptcy are still on my credit report to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding XXXXXXXX XXXX  XXXX Failure to Investigate Fraudulent Accounts and Reporting of Inaccurate Information Dear Sir/Madam, I am writing to file a formal complaint against XXXXXXXX XXXX XXXXXXXX for their failure to properly investigate fraudulent accounts attributed to my name and their continued reporting of inaccurate information to credit reporting agencies. 

The fraudulent accounts in question are as follows : Account XXXX ; Amount/Value : {$5400.00} The details of my complaint are as follows : These accounts are not mine, and I have no knowledge of their origin. Despite this, they have been reported as closed or charged-off with balances, causing severe harm to my credit report. 

To address this matter, I provided XXXXXXXX XXXX  XXXX with all necessary documentation to prove my identity and substantiate the fraud claim, including my FTC Identity Theft Report, a police report, and an affidavit of identity. 

I was informed that the issue was being handled by their legal department ; however, no meaningful investigation has been conducted, and the fraudulent accounts remain unresolved. 

This ongoing inaction is a violation of the Fair Credit Reporting Act ( FCRA ) and has caused me considerable financial and emotional distress. 

I am requesting the CFPB 's assistance to ensure that XXXX XXXX  : Thoroughly investigates these fraudulent accounts. 

Removes the inaccurate information from my credit reports. 

Resolves this matter promptly and prevents any future harm to my creditworthiness. 

Enclosed with this letter are copies of all supporting documents, including : FTC Identity Theft Report Police Report Affidavit of Identity Correspondence with XXXX XXXX Thank you for your attention to this matter. Please do not hesitate to contact me if additional information is required. I look forward to your prompt assistance in resolving this issue. 

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

Date of item being disputed : Late payment for XX/XX/2019 and XX/XX/2019 Description of dispute : There are two late payments on my Elan Financial Services Account. 
Enclosure : XX/XX/2019 statement. The open date is XX/XX/2019 and the closing date is XX/XX/2019. On page 3 (  where it is highlighted ) it shows the two late fees were reversed ( {$39.00} each ) and credited for XX/XX/2019 and XX/XX/2019, because their system made a mistake by not taking out the payments that were set up for autopay. The bank reversed the late payment fees and they will not remove it off of my credit report. I have disputed it to all three credit bureaus and have gotten results back indicating no change, so the late two late payments of 30 and 60 days are still on my credit report severely ruining my credit. 

I have contacted the company several times and they said they have removed it on their end and that's all they can do ; meaning they won't report the removal to the three credit bureaus
Product: Checking or savings account

Bank of America closed all my business accounts and my merchant account without any warning. closer to end of XX/XX/2018 they called me and told they closed my merchant account and do not charge anymore, then few days later I received a letter from Bank of America that my back accounts are closed and That I to go to the bank and withdraw my money from my accounts. I called Bank of America twice and was on the phone for hours and was transferred from department to department and no body is giving any answers what happened or why this decision was maid or what I can do to clear my business reputation and my good name. Bank of America ruined my reputation and refusing to clear my good name and I can not recover from that because they refusing to tell me why and what happened. I have also filed a complained with FTC Federal Trade Commission. If there is anything else that I can do please help me to clear my good name and my business reputation.
Product: Credit reporting or other personal consumer reports

I enrolled online in XXXX auto payment. I signed up to pay the monthly minimum but not to exceed {$300.00} with any one payment. My monthly payment amount was around {$150.00}. XXXX did NOT withdraw payment because the XXXX XXXX MONTHLY PAYMENT amount I set was not sufficient to pay THE ENTIRE BALANCE!!! They said, " this e-Bill wasn't paid because the amount due exceeds the maximum amount you set for AutoPay. '' This happened twice and resulted in a XXXX point drop in my credit score. After contacting them repeatedly they CLAIM they have re-enrolled my in aoutpay but there is NO indication of this on my online account and they ARE LYING!!!!. THEY ARE A PREDATORY BANK LOOKING TO CHARGE UNWARRANTED LATE FEES AND PENALTIES
Product: Credit card or prepaid card

I applied for a CitiBusiness platinum credit card which offered XXXX XXXX XXXX bonus points if you charged {$3000.00} in the first 90 days. I did fulfill this requirement but Citi said I had opened or closed a credit card within the past 24 months which disqualified me from the bonus points. They stated that I closed my last CitiBusiness card in XXXX of XXXX, which is not true. 

My final payment on my previous card was XX/XX/XXXX, and I called and cancelled the card on XX/XX/XXXX and at the same time confirmed a XXXX balance. Citi has no recording or any verification whatsoever that documents their XX/XX/XXXX date. 

I have made 3 calls to Citi with this information and they still send me a form letter stating that I had opened the present card in less than 24 months. I spoke to a supervisor by the name of XXXX in my last conversation on XXXX XXXX who stated she would contact the department involved ( I would not be able to talk to them directly ) and would call me back the next day ( XX/XX/XXXX ). I authorized her to leave a complete message on my message machine if she did not reach me. She never called.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

There was this promo when I open the account Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account.

Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days Its been more than 90 days since I completed the requirement but didn't receive the bonus.

I asked customer service through chat and secure message, they always said it being investigated
Product: Credit reporting or other personal consumer reports

I did not provide written consent for my accounts to be reported to consumer reporting agencies ; the information on these accounts is inaccurate.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Social Security Number : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened At : ACCOUNTS : XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX, XXXX  XXXX opened on XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX  opened on XX/XX/XXXX, XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) opened on XX/XX/XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX, inquiries : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I received a call today about a 10-year-old Walls Fargo account. To my knowledge, this account has been closed for years. I got a call and am getting sued for XXXX in overdraft fees. I didn't withdraw any money from this account. Also, there is another name linked to this account. Is it possible she took the money out of my account? Is there any way I can see when and where these transactions were taking place? Why now am just hearing about this?
Product: Credit card

On XXXX XXXX XXXX credit card company named XXXX XXXX ( milestone ) took the amount of XXXX and made a payment to another collects agency XXXX XXXX without my authorization and without me knowing. I have tried to contact them several times to complain and tell them they cant just take money out of my account on their own. 
and they arent giving me an answer or return my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE INQUIRIES ON MY FILE. THESE INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THESE INQUIRIES. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE INQUIRIES OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX  : {$6000.00} ; XXXX  XXXX XXXX  : {$1000.00} ; XXXX XXXX XXXX XXXX  : {$810.00} ; XXXX  XXXX XXXX XXXX  : {$590.00} ; XXXX XXXX XXXX  : {$2300.00} XXXX XXXX XXXX XXXX  : {$670.00} ; XXXX  XXXX XXXX  : {$220.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX  : {$190.00} ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kindly be sure with the accuracy and precision with this customer record account. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate. 
XXXX XXXX XXXX  XXXX XXXX XXXX {$6300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle through XXXX XXXX XXXX in XXXX. I authorized them to run my credit once. I now have several hard inquiries XXXX XXXX, XXXX and in XXXX XXXX, XXXX. The XXXX called me in XXXX to notify me that I needed to call the lender because the lender needed to conduct a survey because XXXX XXXX XXXX is having issues with the lender until I do the survey. I contacted the lender and did the survey, however now I see that XXXX XXXX XXXX ran my credit through XXXX more times without my authorization. I have my loan through XXXX XXXX. The unauthorized inquiries that are reflected on my credit report are through TD Auto Financing, XXXX XXXX, XXXX Bank, XXXX XXXX, XXXX XXXX, and COAF.
Product: Mortgage

I was trying to purchase the house I've been currently living in from my landlord which is a realtor ( XXXX XXXX ). He has a friend that's a loan officer ( XXXX XXXX ) ( Florida pro mortgage LLC ) our agreement was that my landlord was going to pay for the closing on both sides. One week before the closing he backs out and cancels everything with XXXX. I told him it was not legal what he's doing, so I got a mortgage lawyer. She spoke with him he went along with his friend and started procedure again. I signed 2 DOC ... Then was given a rejection I didn't qualify for the loan the Monday before closing on Friday. Mind you it's a FHA loan ... .. XXXX send me an email saying that I didn't qualify for the loan because of because I didn't make enough money for the loan which is false my credit which is also false it also says that I didn't have enough money for the closing which was also false because they had {$5000.00} in escrow earnest money and what was in my bank account was more than enough. I was asked by both parties to pay off my truck which was {$15000.00} and I did that exactly. I also didn't qualify because I had too much debt also false I have zero debt .... I have a mortgage attorney. I plan to proceed with charges against all parties involved. At this point XXXX XXXX ( my landlord ) is now threatening me with eviction.