23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXE XXXX Balance {$770.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX : {$2400.00} XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 bureaus are reporting this account as debt still being owed. This account was promised to be removed from my credit BUT HAS UPDATED TO 50 % PAID. I SETTLED THIS ACCOUNT WITH XXXX XXXX  AND IT WAS PROMISED TO BE REMOVED. SEE DOCUMENT ATTACHED. THE LAST UPDATE SHOWS I PAID THE XXXX AND XXXX IS STILL OWED. THIS IS INACCURATE
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AWA COLLECT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( AWA COLLECT XXXX )
Product: Credit reporting or other personal consumer reports

CITIBANK is Not showing up in my XXXX and XXXX and XXXX Aren't showing my Citibank card failing to disclose the revolving credit, Failing to provide Length of credit history and perfect payment history, XXXX and XXXX Keep claiming its citibanks fault for not reporting and when I call citibank they Claim that they Are reporting my citicard and that is not true as my credit report reflects missing my citicard in XXXX and XXXX. When I called citibank they told me that I requested my citicard be removed and that is just not true why on earth would I want my oldest CreditCard Citibank to be taken off my credit history!? CITIBANK claimed they don't report to XXXX qhich is also a Lie and this has caused my scores to be significantly Manipulated down from perfect XXXX to XXXX at one point and there is ABSOLUTELY NO REASO. for this chaos in my reports ad I have PERFECT PAYMENT HISTORY WILL ALL XXXX OF MY CREDIT CARDS. I keep all my usages below 10 % and pay my cc off to XXXX  every months. still citibank is refusing to cooperate with me in regards to their lack of Reporting my PERFECT credit history to XXXX And XXXX is Refusing to disclose all XXXX of my creditcards and the revolving credit is only showing 1 credit card. I have been CONSTANTLY REQUESTING THIS GET RESOLVED and NOTHING IS BEING DONE AT THIS POINT.
Product: Debt collection

On XX/XX/XXXX via their chat service, I informed Midland Credit Management that I did not owe a debt and that I was not, nor was I associated with, the person they were looking for. This was after they continuously called me from AT LEAST 13 different numbers over the course of several months. I blocked all 13 numbers. In the XX/XX/XXXX chat, I also asked them to stop calling me, to remove me from their list and notified them that my number is registered on the National Do Not Call Registry. I can provide proof of the chat on XX/XX/XXXX, if needed. I also filed complaints with the FTC each time they called me from a different number starting from about call # 5. Beginning on XX/XX/XXXXXXXX they have called me 2 days in a row from 2 different numbers, which I have again blocked.
Product: Credit reporting or other personal consumer reports

FCRA Section 605B Unauthorized, my permission nor consent was not given to place this account on my credit report.

15 U.S.Code 1692a ( 3 ) 15 U.S.Code 1692c ( a ) 15 U.S. Code 1681
Product: Money transfer, virtual currency, or money service

I spoke to a representative with Coinbase and they notice the fraud or scam on the account. They said that the account has reported of fraud and that I will need to file an investigative complaint in order for Coinbase to reverse the transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

You can clearly see they took 68 points off my score and there is no reasoning behind it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to send messages, have had multiple long attempts on the phone, and talking to Equifax people, I Still can not get logged in to make disputes with them on my credit report. I have done XXXX  Report on equifax and have heard nothing back.
Product: Debt collection

I received notification from credit reporting that a collections account from LJ Ross Associates had been placed on my credit. I did not receive any notification from the company to investigate or dispute nor do I have any notifications of the debt from my healthcare provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 or other personal consumer reports

This is my second attempt to have this removed from my credit report. Celtic Bank/ Contfinco XXXX Acct XXXX XXXX This account has been sold to third parties at least three times. I disapproved of doing so. According to FCRA, I can request that my account not be sold or transferred to any third party without my explicit consent. According to FCRA, I have the right to control how my personal information is shared. Selling or transferring my account without my consent constitutes a violation of my rights under this federal law. 

I was sent several papers from Celtic Bank as of yesterday, XX/XX/2024. However, it does not show that I have ever received this information. They said that it was mailed to me, but it is funny that I never got it. Also, it shows the wrong telephone number. 

This is showing up negative on my credit report and it is hindering me.
Product: Checking or savings account

A couple of weeks ago I received a personalized checks from Merrill Lynch. I was puzzled as I never had any dealing with XXXX  XXXX XXXX, so I decided to visit one of their branches in DC close to my work to inquire about the account details. There I was directed to speak to a XXXX  XXXX  Advisor, XXXX XXXX XXXX who informed that XXXX accounts had been opened on my name, one in Florida and another one in Mississippi in the month of XXXX. I inquired about how the accounts were opened, and what kind of information the person who opened the accounts had provided to them to make it possible to open the accounts. He then proceeded to contact the central office and got in touch with someone who informed him that they have had a surge of fraudulent online account openings recently, and they had already closed the accounts. When I asked about the ID presented to open the accounts, they informed me that because the accounts were opened online, they did not required IDs. This I know is a clear violation of the XXXX XXXX XXXX XXXX XXXX ) rules and regulations. Even if the account were opened online, they should have requested appropriate identification before proceeding with the openings. I was told that they were going to take the necessary measures to clarify the situation, and they were going to contact me later with updates. XXXX weeks later, I never received any communication from them. Just yesterday I received a debit card associated with that account, and today I got an email notifying me that I have been enrolled in mobile banking. I strongly believe that XXXX  XXXX XXXX should comply with the XXXX regulations before allowing fraudsters to easily open accounts, and take over the identity of hard-working consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( Equifax ) credit report, and I noticed that you are still reporting a medical collection under the {$500.00} threshold. Starting in 2023, XXXX XXXX XXXX less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting. 

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

Earlier this year, I noticed I had an adverse account that I did not recognize from XXXX. On XX/XX/2018, I immediately contacted them for validation of the account. Initially I received nothing in response. Since then, I have requested the same information on 3 different occasions. What I received on my 2nd ( XX/XX/2018 ) and 3rd ( XX/XX/2018 ) occasion was a copy of a final bill from XXXX XXXX, a company Ive not done business with. What I was expecting in return was a package including contracts and signatures validating my ownership of the account and my agreement to repay said account. It was at this time that I realized XXXX XXXX AND XXXX were both negatively reporting on my credit reports simultaneously for the same account. 
Please delete this account from my XXXX XXXX and XXXX reports as this company has violated multiple FCRA laws in this inaccurate reporting.
Product: Checking or savings account

I went in at XXXX to Navy Federal Credit Union to deposit my paycheck so I could pay bills. After depositing through their ATM, there was no pending check in my account and no funds. So I reached out to their corporate number and was told that because the check was over {$1000.00} that part of the check ( {$250.00} ) would be deposited into my account on XXXX  and the rest would be in my account by XXXX morning. 

Fast forward to today- no money and no pending check. So I call the number back. The associate helping accuses me of depositing the check too late to get any funds before tomorrow. When I quoted direct timing to him of speaking to his coworker at XXXX after depositing it at XXXX, he said oh well thats XXXX time not XXXX. And he made it clear that he could do nothing. So I asked to be transferred to a supervisor. 

Now when XXXX got on the phone he basically told me straight out nothing could be done for me. When I pointed out that his employee made false promises and lied because of the time zone, he agreed that it shouldnt have been said and said he would talk to the employee. However I pointed out talking doesnt fix the fact that I have bills due today and XXXX going to get charged fees because of their employees lies. He said that theres nothing they can do. So now on top of holding my money XXXX, they are causing me to get fees that should have been avoided. 

If you work in XXXX time and its already past the time of deposits needing to be in, that should be stated. But as it wasnt, now theyve wasted my time, money, and have completely lost my trust in this company. As soon as my funds are in my account I am closing my account. And if anyone reading this also has Navy Federal accounts, I suggest you do the same.
Product: Credit card or prepaid card

Capital One closed my XXXX account without notice due to inactivity. I was not able to use the account because the card expired XX/XX/17 and was never sent a new card. I called after receiving the email but they would not reopen the account.
Product: Debt collection

Firstsource Advantage , LLC sent me a letter in the mail stating that I owed a debt to XXXX XXXX. I then responded asking for them to verify The amount you claim the Respondent owes you * An explanation showing how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * The original lawful contract/ promissory note * Affidavit from a representative of the company that has first-hand-knowledge and was present during the alleged debt swearing under penalty and perjury that there is a valid debt. 

A representative XXXX XXXX then responded with transaction statements from another company claiming I owed them because of the debt from a different bank. 

I then responded with each violation that they committed under the FDCPA which was a total of XXXX and then sent them an invoice for each violation which added up to {$10000.00}.
Product: Debt collection

I paid this account more than 45 days ago Directly with SANTANDER FINANCIAL Im sending the letter Santander Sent me as a prove. ( Attached ) I did A dispute with XXXX : no solution, no changes Im really frustrated paying everything trying to do the best I can to raise my credit score please I need assistance to delete or change this in my credit report. 

Thank you. XXXX XXXX
Product: Checking or savings account

I already filed a complaint and the company claimed I did not attempt to reach out. The attached photos show the NUMEROUS ATTEMPTS! In todays call, the representative stated a balance that was NOT ACCURATE! I have screenshots showing such. He stated yesterday morning I had a balance of approx {$54.00}. As shown in the photo which shows the time, it was {$47.00}. Had the rewards been credited it WOULD HAVE been that amount. However, it was not credited. Additionally, prior to working I had {$28.00} before spending {$20.00} on gas. I earned {$9.00} which should have raised my balance accordingly. It did NOT! A simple review would show this company is lying not only about me contacting them, but about the missing money! These calls are recoded and will show the complete careless accounting and interest in rectifying the situation.
Product: Credit card or prepaid card

I have been getting many, many solicitation phone calls from the XXXX, CA area. The most recent was on XX/XX/2018 at XXXX XXXX It showed on my cell phone from XXXX. When I replied to the call to tell them to take me off their list, the person told me to " shut my bloody mouth and then hung up on me ''. Although I pressed reply thinking it would go to the same number it was connected to XXXX. 

The other XXXX calls I have received are XXXX on XX/XX/18 ; XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my dispute is XXXX XXXX # XXXX, XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX, XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 )  XXXX XXXX, XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX, XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX, XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX, XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Chex Systems , Inc. 
Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX Subject : Request for Correction of Credit Report XXXX XXXX XXXX XXXX  Account Dear ChexSystems Team, I am writing to formally dispute the information reported regarding my account with XXXX XXXX XXXX. I have settled this account, and it has been paid in full. However, the current report does not reflect this status. 

For your reference, I have attached a copy of the receipt confirming that the account has been settled. I'm kindly requesting that you correct the information on my credit report accordingly. 

Please confirm receipt of this letter and inform me of any updates regarding my dispute. I look forward to your prompt attention to this matter. 

Thank you for your assistance. 

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

My credit report with equifax is inaccurately being reported. My credit report dropped XXXX points due to loans not being reported such as my mortgage, and installment loans such as my car and all credit cards are missing. When I called Equifax they stated my all my accounts were being reported, but I explained to them that my accounts were not being reported from what I could see. I mentioned to the representative this has happened before. I had to ask to have this escalated to next level because of inaccurate reporting and the effects it can have to my daily life. I asked to speak to someone else. I was told someone call me and that they would send me my credit report in the mail.
Product: Mortgage

Today XX/XX/XXXX I talked with Arvest Central Mortgage Co. Supervisor XXXX XXXX. 
Phone # XXXX X XXXX about the paid off Loans- Escrow Refund to me with the check # XXXX the amount of {$1.00}, XXXX The problem that they placed the order of the payee with my ex-husband & my name on it. I could not deposit the check. Because my ex-husband and I had borrowing the loan and both our name on the note since XX/XX/XXXX and the note had been bought by Arvest Central Mortgage Co. in XX/XX/XXXX. In XX/XX/XXXX, we divorced and the court ordered I kept the property and responsible for the note.
XX/XX/XXXX, I have refinanced to the new loan from XXXX XXXX  XXXX and the XXXX XXXX XXXX XXXX overpaid off the Arvest Central Mortgage Co. {$1.00}, XXXX. 

I called Arvest Central Mortgage Co. Representative many times and explained the situation that my refinance new money paid off the loan NOT my ex-husband money. I suggested to provide them the divorce decree court order in XX/XX/XXXX. But they still kept their opinion that my ex-husband on the note and they have refund my new refinance money with his name on it.
My ex-husband and I on the borrowed note back in XX/XX/XXXX but he is not responsible to pay for the note. The court ordered me to pay and I refinanced the new money paying off the loan, how come Arvest Central mortgage takes my money and goes against the court order to pay for my ex-husband?
My ex-husband and I divorced, we do not have the same account with two names on it, we can not deposit the check.
Arvest Central Mortgage does not refund my money under my name, I have no way to get my money back under my name. This is a big amount of money for a single mother working under minimum wage to have the money for my living expenses. This is unfair for me, Arvest Central Mortgage Co. did not obey the divorce court order and tries to keep my money longer in their bank. 

I hope that CFPB can help me to get my refunded mortgage check, under my name only, which had been overpaid off by my new loan. Arvest Central Mortgage should follow the divorce court order to pay for me only. 

I appreciate for your time and help me to solve this problem.
Product: Debt collection

On XX/XX/XXXX I received a notice that XXXX XXXX XXXX received a default judgment against me through attorney XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, KY XXXX Phones : Business ( Fax ) : XXXX Business ( Phone ) : XXXX Case # XXXX-XXXX-XXXX-XXXX  I received a notice for interrogatories for XX/XX/XXXX. I have never received any correspondence from this attorney nor was I served for this judgment. The judgment lists an address of XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX. I have never resided at that address. My ex husband lived at that address but moved out of town in XX/XX/XXXX. I have lived at my current residence since XXXX. 

I never received the required notice that an attorney was handling this debt as required by the FDCPA and was not properly served for the judgment. This attorneys practices are unlawful and unethical to represent to the court that this was done.
Product: Mortgage

JPMorgan Chase keeps sending bogus letters with no information on them. They say they are working on the issue. I don't know what issue they are talking about since I have not contacted them. They assign a different executive specialist ever time. I called XXXX XXXX close to twenty times today. The executive specialist never answer their phone.
Product: Debt collection

please see my previous cfpb closed complaint XXXX for details and attached proof. 
XX/XX/XXXX I received an attempt to collect from XXXX XXXX, XXXX saying the amount owed is {$790.00} from XXXX XXXX XXXX. 
1. This is a FRAUDULENT claim from a collection agency. 
a. statute of medical bill collection limitations for BOTH Florida and Alabama is WAY over the statute of limitations. This medical bill was done in XX/XX/XXXX. It was written off due to indigency in XX/XX/XXXX. ( please see attachments from previous cfpb complaint regarding this same issue and you will see both hospital and XXXX XXXX XXXX written off confirmation numbers ).

b. It is ILLEGAL for this agency to continue to pursue after statute of limitations ( x 2 Florida and Alabama ) is over c. It is ILLEGAL for XXXX XXXX to cross state lines to collect-yet this is my second time this year dealing with this issue. 
d. Amount they say is due is FRAUDULENT and ILLEGAL. See previous cfpb complaint for attachments. Correct amount is {$0.00} e. THIS is FRAUDULENT because it has been reported on my credit report 4 times now and I suspect when I do not pay this time it will be reported a FIFTH TIME.

I am asking that you enforce my request that they stop seeking to collect. Im XXXX and can not pay this bill anyway. I will not pay this bill as it is fraudulent and illegal.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system