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

When I checked my credit report this morning, I was completely blindsided to see inaccurate accounts showing up. Im at a loss as to how this could have happened. I review my credit report regularly, and this time, these discrepancies appeared out of nowhere. I even refreshed the page, thinking maybe it was a glitch, but it wasnt. The incorrect accounts stayed on my report. Im desperately asking for the documents Ive submitted to be reviewed with care, so I never have to worry about this again.
Product: Debt collection

We lost our home due to non-payment of VA loan and when we.sold it we barely had time to move out. The previous owner refused to allow us to re-enter the home to collect equipment so that we could get our {$470.00} back. Our records are in storage, but when we realized that we were never going to get the equipment back, we believe that we did call to pay for it. It would take forever to find proof.
Product: Debt collection

Express Collections, LLC has my soon to be ex-husbands non medical bills on my account and will not remove them from my end. I had nothing to do with those debts and have asked them t remove them and they will not. I do not owe that money to XXXX XXXX XXXX XXXX XXXX or XXXX XXXX, that is my husbands debt and I want it removed off my end of collections.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for and purpose.
Product: Debt collection

So I was staying with a family for sometime and while trying to get back on to my feet my social security card and information was used with out me knowing and took out a couple of credit cards I believe one for kohls and capital one I had already had these disputed but for some reason they keep showing up on my credit how can I make sure that this account that was opened fraudulently is closed and not used against me?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time disputing these address on my credit file. I have never lived in NEW YORK in my life and I and a victim of fraud and I want these fraudulent addresses removed from my credit reports. My name should appear as XXXX XXXX XXXX XXXX XXXX SS XXXX my only address should be XXXX XXXX XXXX XXXX OH XXXX. Please delete the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. 
I am disputing the unknown account on my credit file : 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 XXXXXXXX  # XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX # XXXX. PLEASE DELETE THESE ACCOUNT THEY ARE NOT MINE. I am unable to locate documentation that they complied with the of federal and state laws requirement, which is a violation of the FCRA & FDCPA. Also, XXXX  XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express does NOT report anything positive on the credit report since it is considered a business card but the ssn was used in order to obtain a credit card. When called, both times, the representative stated that the accounts are reported to XXXX & XXXX. However, American Express reported an inquiry on the personal report without consent. 

A letter was sent to the XXXX, XXXX XXXX, demanding the removal of such inquiry and they denied it, stating it was done according to the contract. 

This is untrue because according to the Credit Reporting Act XXXX XXXX Code XXXX, it unlawful to obtain a credit report/inquiry from XXXX, XXXX, XXXX, XXXX without authorized and permissible purpose under the FCRA. 

A letter was sent demanding they remove the inquiry and pay {$1000.00} fine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1681 SECTION 604 A. Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 




I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and XXXX, XXXX and Experian have yet to correct the following issues. Please I need help as this is affecting and holding me back from purchasing a new home. report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference
Product: Debt collection

I am a victim of identity theft. I had not checked my credit report in years, however I recently obtained a copy of my credit report and found several accounts that had been opened in my name without my knowledge, authorization or approval. I have never had XXXX insurance nor have I ever given authorization for any third party to open a XXXX account in my name. Whatever services XXXX previously opened in my name was a direct result of identity theft. I did not open or use this account.
Product: Debt collection

I have been disputing this account for some time now with NATIONWIDE RECOVERY. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, I have made two reports in the FTC department notifying each of the credit agencies EXPERIAN, XXXX, XXXX, sending all my information about the accounts that do not belong to me, my identity and the number report that the FTC agency provided me, refusing to remove them from my cut in each of these bureaus, also request each of these creditors to send me a proof of the contract signed by me in each of the accounts that They are reporting in my credit report through certified mail which certifies that they received it, which was not answered by any of them, then I opened a new dispute request to each of the bureaus, add the proof of my request test by these creditors who never responded, receiving the same response that they had already verified the accounts and that the accounts were still in my credit report, taking this a process of more than 6 months having an erroneous result since these accounts They do not belong to me and these agencies are not doing the proper verification and violating my fair credit rights as established by law. The accounts in dispute and that have not complied with the correct verification are the following XXXX XXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX  XXXX # XXXX. BALANCE {$4900.00} XXXX XXXX XXXXXXXX # XXXX. BALANCE {$11000.00} XXXX XXXX # XXXX BALANCE {$9300.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$7300.00} XXXX XXXX # XXXX BALANCE {$2400.00}. XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX XXXX XXXX # XXXX BALANCE {$11000.00} XXXX  XXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX  XXXX # XXXX. BALANCE {$11000.00} XXXX XXXX  XXXX # XXXX. BALANCE {$4900.00} XXXX XXXX XXXX XXXXXXXX # XXXX BALANCE {$16000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX XXXX # XXXX. BALANCE {$16000.00} XXXX XXXX XXXX  XXXX # XXXX. BALANCE {$15000.00} XXXX XXXX XXXX XXXX # XXXX. BALANCE {$16000.00} I have complied with all the requirements and regulations to identify that these accounts are not mine, my right to remove them is being violated and these agencies are not doing the verification well since all these accounts do not present accuracy in any of the bureaus and additionally I was not I am the one who opened them, not even the creditors have presented the proof that these accounts belong to me, I ask you to intervene as the agency that regulates these bureaus since it is a process that they do not want to take measures to correct this thank you
Product: Credit card or prepaid card

This is my 2nd complaint with the company and for the same issue - the first one was resolved satisfactorily but they have made the same error again.

I recently used a promotional check with a 0 % rate for 12 months. The charge appears on the statement with a 24.99 % rate, which is the after-promo rate. I called them and they said that the promo rate was 24.99 %, which is again not correct.

I am asking the to correct their mistake and honor the 0 % rate for 12-months that was promoted on the check that was used.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their is an account being reported to my credit and it does not belong to me. This account is stopping me from buying a home. The account is listed below. 


Name on account XXXX XXXX XXXXXXXX XXXX Opened XX/XX/2017 Account number # XXXX Balance {$24000.00}
Product: Credit card

they had a hack into their credit card system, I was n't informed that my card and all the cards who got hacked would be of no use. I went to pay my credit card and it said my balance was XXXX dollars, I thought my husband had paid off the remaining debt, so I thought nothing of it only for me to see that I 'm getting calls from the creditor saying I was late etc and threatening to go after my credit rating. immediately I said my end of it and instead of apologizing they said well you 'll still have to pay the late fees however we wont charge for the over the phone payment and that they would be sending out my new credit card to the new address that I currently live at and that I should throw away the old credit card. so I wait and wait all the while making payments only for the new card to never arrive. 3 months of making payments without any access to my funds or online access then after this I very helpful supervisor saw me make a payment and asked me had I received my card, to which I replied no I had not. she was outraged she said none of your information here has been updated, and they have me down under the same info. so she mails out to me finally the new card only for it to only be activated by .... ( get this ) my old phone number which I had issued when I applied a number that I do n't have anymore I lost that along with the info as I relocated to tn from Michigan. as she goes to try and activate via phone she says its been put on here that you requested to not be phoned about your credit card XXXX I said what???? why would It say that I never asked for that so obviously I 'm being discriminated against by one of the supervisors there who at one point did give her name and its said to be XXXX, however this has just been draining, and more closer to emotional damage. as well as it can interfere with me being able to provide a good XXXX for my children. they once again gave me the same fax number that I had tried to call for 3 weeks in a row that remained ( busy ) ... .. I believe I 'm being discriminated because of my race, and my funds and my credit have been unjustly withheld from me. at this point I will try and do the fax number again, however ... .. I am tired of swimming against the stream of this corporate giant and its workers who think that they can just walk all over people and make life harder than it already is, I do n't know what else to do but to file a complaint. at this point it just seems useless. I remain hopeful that you and your company will be able to help remedy me of this problem thank you .the credit agency in question is continental finance and the card is the verve card.
Product: Checking or savings account

Several months back I opened a Citibank , N.A . Accelerate Savings Account. This morning I received an email saying that my account was being closed. I was also locked out of my online banking portal I called the number provided in the email and was routed to the fraud department. I verified my information and they informed me the account was being closed because of a check that was deposited - but they would not tell me the problem with the check that I deposited. I asked the representative if the closing of my bank account would affect my Citi credit card. He said something non-committal like " we are no longer servicing your account. '' I explained that I understood they were closing my savings account but that I was asking about my credit card account. He repeated " we are no longer servicing our account '' like he was on a script. I repeated my question about the credit card. We went around like this several times, and I asked him to please listen to and answer the question I was asking about my CREDIT CARD. Then the representative hung up. 

I then called the number on my credit card. That representative referred me back to the Citibank fraud department. This representative was only marginally more helpful. Specifically, this representative at least had the decency to explain that the reason my account was closed was that I deposited a check with an " unverified address. '' I explained that the check was written out to the address of another home I own where I used to reside. The representative said that the account had already been investigated and closed. I asked when I would receive my money back ( I believe the balance was around {$38000.00} ), and he said I would receive a check in 30-60 days. I asked what right Citibank had to hold my money hostage, and he said it was under the customer agreement. It is inconceivable to me that they can close the account for such petty reasons and refuse to return the funds immediately.
Product: Credit reporting or other personal consumer reports

I did not authorize these company to pull my credit report
Product: Debt collection

2ND COMPLAINT ABOUT CAWLEY & BERGMANN : AFTER HARRASSING PHONE CALLS, NOW I AM RECEIVING MAIL FROM THIS UNKNOWN COMPANY!

WHERE IS PROOF FROM CAWLEY & BERGMANN THAT THEY HAVE THE LEGAL RIGHT TO COLLECT ON THIS ALLEGED DEBT???

WHERE ARE ANY SIGNED CONTRACTS FROM ANY ALLEGED ORIGINAL CREDITORS? WHERE IS PROOF OR LEGALLY SIGNED CONTRACTS THAT ANY OF THIS ALLEGED DEBT IS MINE AND THAT THERE WAS ANY CONSENT FROM ME TO SELL THIS ALLEGED DEBT TO A 3RD PARTY?? SENDING ME A BILL OR SOME MADE UP STATEMENT IS NO PR
OOF OF ANY LEGAL RIGHT TO COLLECT ON ANY ALLEGED DEBT.

CAWLEY AND BERGMANN is in clear violation of 15 USC 1692. ( c ) ( a ) of the FTC - Fair Debt Collection practices.

CAWLEY & BERGMANN NEED TO STOP CONTACTING ME!!
Product: Credit reporting, credit repair services, or other personal consumer reports

It's not my account. i never had this credit card, never applied for it!
Product: Checking or savings account

They wait late to send my money to companys while in the positive and once Im in the negative they then start to attach over draft fees
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Despite submitting multiple written requests with complete attachments of my personal information and credit reports, the requests I have sent out to Transunion were consciously denied andneglected which I considered being unprofessional on their end.This is my 6th attempt to request all documents to be provided and issued to me. Notfulfillingmy request should result in immediate removal of the unauthorized inquiry listed below : XXXX Inquiry Date XXXX
Product: Debt collection

On XX/XX/2018 I discovered HUNTER WARFIELD INC # XXXX had been re-inserted onto my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately as you are in violation of FRCA regulation.
Product: Debt collection

On XX/XX/2023 United Collection Bureau , INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX sent a letter to my bank, XXXX XXXX XXXX, with the heading " CLAIM OF LEVY ''. Telling my XXXX XXXX XXXX to place a ( 60 ) day hold or restriction on all withdrawals on the account. The problem is that this letter is a Fraudulent Collection letter. Its not signed by a judge or court ordered. XXXX XXXX XXXX still put a hold on my account because of this letter. As of XX/XX/2023 my account is still being restricted even after talking a Manager at XXXX XXXX XXXX several times.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$5100.00} Late/Closed XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9000.00} -Late/closed XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$17000.00} - Open
Product: Mortgage

I had submitted a complaint a couple of weeks ago about SunTrust Mortgage, that pertained to misapplication of mortgage payments. This is a second type of complaint. I received a letter over this past weekend, dated XXXX XXXX, XXXX, informing me that my mortgage payment for XXXX was short by {$44.00}. It states that my mortgage payment is {$1300.00}. This was not true for the XXXX payment. Because of a need to increase the amount in my escrow, SunTrust had notified me that EFFECTIVE XXXX XXXX, XXXX, my mortgage payments would increase from {$1200.00} to {$1300.00}. I paid my XXXX payment of {$1200.00} ( that was misapplied to principle and this information appears in my previous complaint ) and paid my XXXX payment of {$1300.00}. In addition, I was informed that SunTrust has taken {$44.00} out of my escrow to cover the " XXXX shortage. '' So, now my escrow account is affected. I can not imagine that I have had so many issues regarding my XXXX account within the past couple of weeks. I have owned homes since XXXX in XXXX different states and have never encountered issues with my mortgage payments. I would like to know how SunTrust calculates anything pertaining to Finance. How can they even be in existence as a financial organization?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX  my former employer have reported to Equifax a  XXXX  alert & reported identity theft. They 've amended & restated my tax returns from  XXXX  & made themselves my conservator. The  XXXX   XXXX  have made copies of my birth certificate, social security card & driver 's license. They 've filed my  XXXX  tax return & added the refund to an account I once had with  XXXX  Bank in  XXXX . In  XXXX  I filed Bankruptcy before I knew my credit had been changed. Equifax shows a car purchased in  XXXX , an income. I do n't have an income, they 've taken my home. I am homeless, I do n't have a credit card or a bank card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer report and I noticed the following accounts are reporting inaccurate and incomplete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This dispute communication is being made under the Fair Debt Collection Practices Act, to notify XXXX of the fraudulent information added to my credit report. 
Transworld Systems Inc./ Account Number XXXX in the amount of {$170.00} has been falsely added to my credit report without my prior knowledge. I do not and have not ever had an account with Transworld Systems Inc. 
I spoke with XXXX Representative XXXX on the morning of XX/XX/XXXX, concerning this matter. Following a conversation with XXXX, it appears XXXX purposely sold this account information Transworld Systems , Inc on XX/XX/XXXX because this account would have dropped from my credit report on XX/XX/XXXX. Transworld Systems Inc. reported to XXXX on XX/XX/XXXX. 
I did have a 2-year promo Internet/Cable account with XXXX from XX/XX/XXXX. The XXXX equipment was personally returned to the XXXX XXXX, MD store on the evening of Thursday, XX/XX/XXXX. I spoke with the young gentlemen working at the store who received the returned equipment and closed my XXXX account. The store clerk assured me at that time, the return would be recorded accurately in an effort to avoid the price increase monthly charge from {$100.00} to {$170.00} following the promo. I admittedly had concerns when I returned the equipment, it appeared the staff had already begun the XX/XX/XXXX celebration and work was not the foremost in their purview. 
Going forward it appears the equipment was not logged back into the system until XX/XX/XXXX, consequently generating an additional month of billing at the rate of {$170.00}. I reached out to XXXX in XXXX to have the error corrected ; conveying I personally hand delivered the returned equipment verses mailing the equipment to avoid generating another months bill. The explanation by XXXX for the delay in recording the returned equipment into the system was due to the XX/XX/XXXX, holiday. The situation resurfaced again in XXXX, which I addressed once again.