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

I had a negative balance prior to getting the 3 rd stimulus. It went in via direct deposit so did my paycheck. I noticed a yellow triangle on my online banking at top. I clicked and its all jargon that a non banking person can not understand, so I called customer service. I spoke to a lady who I asked what this yellow triangle is for and why theres another credit in my account. She proceeds to tell me its Covid 19 relief from bank for overdraft fees I had. So I said ok thanks so much thats great! So I got that on the XXXX th into my account and contacted the PNC branch about this few days afterwards. Fast forward to XX/XX/21. My check at XXXX was declined. I called XXXX XXXX and that place is terribly wrong on many levels. Long hold times, unable to understand person on other end due to language barrier. They told me my bank did this. And to contact yet another third party so I did it was XXXX XXXX XXXX who stated also it was my bank. I reached out to PNC via online chat. And the girl told me my account was negative XXXX!! And it actually shows on my end XXXX and some change was in there left! So I then asked for a manager who told me they automatically did this for everyone who had a negative balance for stimulus! I never was informed, thats why I called when I saw yellow triangle caution thing on my account! So as a consumer, without my permission they did this and now Im out and flipped XXXX down again because of the bank. They did this I called to make sure got wrong information obviously and was basically told so sorry we will train staff more! Bull XXXX this was done without my knowledge, permission and this is unfair banking practices. Im now right back where I was prior to getting stimulus because of pnc bank and what they did without my permission and knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This morning, XX/XX/2022, I requested a {$1000.00} credit limit increase on my Citibank Best Buy card via their website. After submitting this request, I was notified by my credit monitoring app that they had done a hard inquiry on my credit report. I was never notified prior requesting the limit increase that a hard pull would be done, nor have I ever seen a hard pull done for a limit increase request. 
I messaged Citibak/Best Buy via the customer service portal on their website and requested that they remove the hard inquiry from my credit report. Their response was, " Our system is programmed to facilitate a fair and accurate credit report review. Until you apply, we are unable to anticipate whether the resulting credit check will be a soft pull which does not impact your credit, or a hard pull which may impact your credit. '' This response is unacceptable since they did not notify me in any way that any pull would be done, particularly a hard pull. Had I known they " may '' do a hard pull, I would not have requested an increase and would instead have applied for a new card with a different agency.
Product: Debt collection

UNITED REVENUE CORP Potentially negative Date opened XX/XX/XXXX Balance {$860.00} Status Collection account. {$860.00} past due as of XX/XX/XXXX. 

UNITED REVENUE CORP Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
UNITED REVENUE CORP Potentially negative Date opened XX/XX/XXXX Balance {$580.00} Status Collection account. {$580.00} past due as of XX/XX/XXXX. 

all accounts never properly communicated nor gave proper options to settle account. 
never reported to my insurance before reporting to my credit por verifying myself. 
i have disputed all negative items with all creditors collection agent continues to report until XX/XX/XXXX i find that very unfair if no one tried to actually file or report to my insurance at the time of XXXX when accounts were opened.
Product: Debt collection

I have never heard of this company until XXXX XXXX yesterday when I received my first voicemail on my personal cell phone from them. Then voicemail said they were from a law office attempting to collect a debt. I can not take personal calls at work, so I decided I would call them when I got off work to see what they wanted. 
They called my place of employment ( where I have only been working for 3 days ) and informed myself colleagues they were trying to collect a debt from me. The caller asked me for my social security number and my date of birth. I told them I would not be giving that over the phone, and that it is not ok to be calling my place of employment and I demanded that they stop and I hung up the phone. 
They called back immediately after I hung up on them and demanded to speak with my boss, and my boss boss about this. That is absurd and I informed them that they would not be getting through to my boss and to stop these calls to my work number, and I hung up on them again. 
They called my work a third time, and spoke with another one of my colleagues asking for my SSN and DOB and asking for my boss phone number. My colleague of course did not give it to them and hung up. 
The caller then somehow found my boss number and left him a voicemail. 
The caller ALSO called my sister and informed her that he was trying to collect a debt and asked how I can be reached. 
All of this occurred within a 45 minute period, and I have never hear of this company until XXXX XXXX yesterday. 
They refuse to tell me what kind of debt they want to collect, or from whom, until I give them my ssn and dob, and they have repeatedly called my place of employment, advertising to colleagues that I have known for 3 days total that they are trying to collect debt from me, even after I demanded that they stop.
Product: Debt collection

I have a debt collector reported in my experian account ( ABILITY RECOVERY SERVIce ). It says that that original creditor is XXXX XXXX XXXX XXXX XXXXXXXX with the amount of {$1100.00}. I have never heard of this LLC before nor ever borrowed money from XXXXhe said LLC. I had to idea a creditor was even there until I checked my experian account. Last year my personal information was exposed by a person who posed to be a job recruiter which I reported to ID.me since they use that website to verify my information. It couldve been a result of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my XXXX XXXX. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am putting Equifax, XXXX and XXXX up under notice for potential Fraud and bad business practices for Harboring Negative personal information on my consumer report that I have already opted out of reporting from equifax, XXXX and XXXX All the following collections are negative experiences and Accounts in accordance to 15 us code 1681A I If all collections are not removed I will escalate this case to the federal level where Equifax, XXXX and XXXX will have to answer for The reporting of such information without my written authorization, Without ever disclosing and documentation for me to opt out of Information reporting Remove all collection accounts XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Opened XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice for Proof of Claim Account : XXXX XXXX XXXX Service # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Mortgage

I understand that I can not file a second complaint about the same problem, but I was told to contact XXXX XXXX to explain the two documents that were filed one in XX/XX/2001 when I added XXXX XXXX as a Joint Tenant. The Recorders Office of XXXX XXXX XXXX County claimed that XXXX XXXX would have a record showing I received {$75000.00} from XXXX XXXX when he became a Joint Tenant. Escrow No. XXXX XXXX Order No. XXXX. Also as I stated before my property XXXX XXXX XXXX XXXX. in XXXX, CA. was refinanced for {$170000.00}. That Deed was for the refinance in XX/XX/2001 to purchase a second property. The XXXX Recorders Office claims thats the amount I was paid and that XXXX XXXX would have a record of that. This was not a gift, nowhere does any document state that I sold my property. I was lead to believe that I was removing my name at the request of the loan company. I fully understand that XXXX XXXX is not responsible for this fraudulant act against me but does XXXX XXXX have a record that I received the amount of money that is claimed by the Recorders Office. Please help me, my partner XXXX XXXX passed away with out a will and the down payment for the second property came from the refinancing of my home
Product: Mortgage

Citi Mortgage reported my mortgage payments late to the credit bureaus while I was making my trial payments after I was told they would n't. Here are the late payment payments I am disputing and I also I have my bank statements showing when the drafts took place if needed as evidence. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I called there client support on several occasions kindly request a correction but never received a resolution on getting my late payment removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of XXXX credit card not mine
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found inaccurate inquiries not authorized by my self. I have no knowledge of these inquiries. Inquiries are from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

My father added me to the house deed. My XXXX  took out a loan and we thought the debt was paid off XXXX years after her death, because of a letter stating your mortgage has been paid thinking she had paid for the debt forgiveness after death. My father had refinanced the house not long before we received the letter We waited for around a few months and received nothing about a loan payment and checked recorders wesbite and no debt was owed on the house. He put me on the deed to the house, thinking he was able to give my family the house. My father took ill from XXXX and entered hospice at the house. I received a letter from freedom mortgage stating the loan was in delinquency. Apparently the incorrect address was put into their system. At the time I didn't have a job that payed well. After his death, calls from some company started on his phone, they wouldn't say who they were nor speak to me and would hang up when i told them he wasnt around. A few months went by and they started calling me, once again not telling me who they were or what they wanted. Not sure how they received my number. After the house has been in delinquency for many months they finally told me they were XXXX XXXX, by then the amount was far more that I could afford to bring the mortgage up to date. The debt went through many companies. XXXX XXXX, Mr. Cooper, XXXX XXXX, XXXX and now resides with XXXX servicing. I received a summons to remove my XXXX, XXXX kids, XXXX XXXX  and myself from the property with XXXX bank as the trustee. I have nothing to do with this mortgage and the only options they give my family are, refinance from XXXX to XXXX. XXXX XXXX to bring the mortgage up to date, or get out. XXXX is what the principal was, now it is around XXXX with delinquency, which they expect me to pay to keep the home. Everyone I have spoken to has told me something is not right with this and I have to agree, including my bank when I tried to get a load to bring the loan to date. I tried to and got pre-approved for a home loan in order to move away from this house, seeing how my options here were not financially feasible, having to pay XXXX on a house valued at XXXX, not to mention the absurd amount I would need to spend to do repairs to the home. I received a call around an hour after being pre-approved. Apparently because of the debt on the house I am not able to get a loan to move my family away. Because of the actions I have no way of getting a loan, i was informed by the loan company i spoke with, to get a normal loan would take XXXX  months to get an FHA loan would take XXXX years after my name is no longer on the deed, over a loan that is not my responsibility. From the information I have gathered and the timeliness in which these actions happened from the loan companies I feel like some things were procrastinated with the intent of this specific outcome.
Product: Credit reporting

I found a `` XXXX '' account on my credit report in the amount of {$170.00}, Account No. XXXX. It was opened XXXX/XXXX/XXXX and reported to my credit XXXX/XXXX/XXXX. 

I did not go to XXXX XXXX XXXX XXXX or take my adult son there in XXXX or XXXX. I also never signed anything giving anyone permission to take my son there so this could not be my bill. 

I have repeatedly requested verification of this account being mine from XXXX, Equfax and XXXX XXXX XXXX XXXX. I have never received any verification from them because this account does NOT belong to me. They either entered information incorrectly or someone used my name. I dispute this information. This is NOT my bill. 

I am also unable to find out exactly who I supposedly owe this too. I live in XXXX and have googled this place in XXXX and sent letters to any addresses I could find.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wish to file a complaint to CFPB AGAIN as my rights have been violated under the FCRA Law and fair credit and billing Act and HIPPA Privacy law. I have been trying to resove these issues with Equifax and have not heard back. I have continued to receive unwanted call from these companies especially from XXXX XXXX disclosing my medical procedures which is a violation of the HIPPA Law. I have requsted Equifx to disclose what right the companies have under the fair credit and billing act to collection. I have not heard back. On XX/XX/2015, I contacted the credit bureaus to request a full validation of these accounts the person was rude and not helpful so I decided to file a complaint with CFPB. I have no knowledge of these accounts. ( XXXX XXXX Opened XXXX {$74.00} ) and XXXX XXXX XXXX Opened XXXX {$240.00} ) I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. Based on my research these accounts have been sold to 3rd party collection at a much lower rate. I need to see this contract too. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable. Please do what is necessary to validate these accounts in a timely manner.
Product: Debt or credit management

Tried disputing a few items on my credit report. It seems Experian didn't follow through with it.
Product: Credit card

In 2012, I believe that I became a victim of a phishing scheme and credit card fraud. I also believe that I am wrongfully being held to blame for the charge-offs on my credit report because Bank of America refused to accept my disputes against the fraudulent charges to my credit card and they failed and refused to protect me from fraud as implied in their Visa protection policies, after I did file my disputes " on time '' with them. // After a " no settlement '' with them, I filed a complaint letter to the Consumer Financial Protection Bureau and received a return letter without the said " attachments ''. // A request for the attachments has been submitted to the CFPB. // Once I had spoken with XXXX XXXX and the credit card account was closed, I was never notified that any charge offs were being placed on my credit report. I had never even heard of a " charge off '' and had known nothing about what it was " ever ''. I feel that I 'm being deliberately " set up '' for some sort of further damage to me by Bank of America. // I 've always been told that any credit card purchases have guarenteed protection and money back protection against " any '' fraudulent transactions. // Only until now, I accidentally found that I could file a complaint about this matter to the Federal Trade Commission . // When the bank closed my credit card account, via XXXX XXXX actions, I believed that the matter was settled and over with. Nothing was said to me about it, no mail notification, no phone calls, no emails, so I believed that I was cleared by their " fraud protection policy ''. ( Now, a double fraud against me ). // I now wish to demand that this matter is to be cleared and erased from my credit report history and my normal credit score restored, ( about XXXX ) with all of the credit score companies. // To me, in 2012, as a normal and un-informed person, I considered that a closed account was now null and void. // Any damaging information being added to my credit report without my " consent or knowledge '' is what I would call " illegally withholding damaging information against an innocent person '' ( by Bank of America ). // I wish to demand justice. // I had no idea that this was going on against me, whatsoever. // End.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've placed fraud alert on my credit report due to identity thief I 've reached out to, XXXX Experian and XXXX informing them this XXXX XXXX XXXX Acct # XXXX acct does n't belong to me. I 've even asked for acct verification with my signature, I have n't yet received this information. I 've called numerous time and have talked to customer service. 

XXXX : Dispute # XXXX, XXXX, XXXX, XXXX Experian Dispute # XXXX, XXXX, XXXX, XXXX, XXXX XXXX File # XXXX - I 've sent XXXX disputes and 4 pone calls
Product: Credit reporting or other personal consumer reports

Recently I've sent a dispute letter to Transunion regarding inaccurate information and accounts thats reporting to my consumer report. They are reporting that I live at multiple addresses when in reality I only have one address which is on my ID. They responded that the accounts were verified but never provided me any documentation that verifies them. The proper documentation should include signed agreements, contracts, receipts, etc. I received a copy of my consumer report and I've noticed several accounts that's reporting to my report that's unauthorized and under multiple violations. There are collections accounts reporting to my consumer report but I never gave them permission to report anything without my consent which violates my privacy rights pursuant 15 U.S. Code 6801 - Protection of nonpublic personal information. How do I owe a debt if there was never an agreement between me and the creditor reporting the account? There was never an agreement in order for a debt to occur. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account must be removed in which they cant be verified nor does they belong to me. How can these accounts report if by law they're not verified nor have documents with agreements? Violations committed by Transunion. 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1681i - Procedure in case of disputed accuracy