23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX I entered into a contract with XXXX for two years with 12 months of promotional price and 3 months of free prime channels. It was also explained to me that If I would move and not be able to receive their services I could terminate with no fee. This was important information to me due to the fact I was a renter. I also was told at 12 months I could enter into a new promotion. I was also suppose to receive some football package which I never did get. I moved in XX/XX/XXXX and kept the services at the home I was in prior until mid XX/XX/XXXX I believe. At that time I contacted XXXX and explained that I moved to a new place where I was not able to have XXXX. I was told that I could enter into a " hibernate '' which I would pay {$15.00} I believe to keep my account active and they pulled this out of my account without my knowledge using my card that was on file. They stopped pulling it out of my account and that " hibranate '' period ended. I told them again that it was told to me multiple times that I would be able to cancel my service with no fee due to not being able to have their services. It went to collections a year later and I contacted them again and called their corporate office in California. I talked to numerous people non of which I remember names. I thought it was resolved until recently it was at a new collection agency and no on my credit report. I also found that the federal trade commision charged XXXX in XX/XX/XXXX for deceptive advertisement. This situation is very similar to mine. I do n't honestly remember all the specifics because I really thought this was resolved. I can not have XXXX where I live and I was told by XXXX before signing up that If this situation were to happened I would no longer be bound to the contract terms and would be able to cancel with no fees. I expect that they would stand by thier word or I would not have entered into this agreement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has the account has paid off and as charged off but will not update or remove the lien from the property and update the report on all 3 reports.
Product: Checking or savings account

COMPLAINT ID XXXX CFPB. I filed against Wells Fargo need to be amended to reflect Wells Fargo Claim number XXXX. I mistakenly put Wells Fargo Claim XXXX which is wrong. I further request information as to why my Wells Fargo account Clear Access account is overdrawn when the Wells Fargo Clear Access accounts DO NOT allow overdrafts. I further seek clarification as to why Wells Fargo Claim XXXX I have not received documentation thru mail or electronic as to its outcome. 
I properly reported the fraud. If the account was being monitored why was I not notified by text, email or call? Only by email when my account reached zero and over {$5000.00} was taken. Wells Fargo states Zero Liability if timely reported. I reported when Wells Fargo emailed me my account was at zero. Time line shows I was headed to XXXX XXXX, then California, Arizona yet that same card was used in two separate states at the same time. My Wells Fargo Clear Access account is over drawn yet that particular account does not allow overdrafts.

Wells Fargo can not advertise Zero Liability if reported timely, and then turn around and deny based on IP addresses, and login information, which are subject to be compromised fraudulently.
Product: Credit reporting or other personal consumer reports

other credit bureaus is not reporting this information delete XXXX XXXX XXXXXXXX from my account XXXX EVIDENCE IS ATTACHED BELOW
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that have appeared on my credit report, which I believe to be fraudulent. Below are the details of the accounts in question : XXXX XXXX Account Number : XXXX Status : Late payments reported to all three credit bureaus. 

XXXX Account Number : XXXX Status : XXXX XXXX  reported to Equifax. 

XXXX  Account Number : XXXX Status : XXXX reported to XXXX and XXXX. 

XXXX XXXX  Account Number : XXXX Status : Collection reported to XXXX and XXXX. 

XXXX XXXX Account Number : XXXX Status : Collection reported to XXXX and XXXX. 

XXXX XXXX XXXX Account Number : XXXX Status : Collection reported to XXXX only. 

I believe these accounts are fraudulent, as I have not authorized any transactions or agreements related to them. I request an investigation into these accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit reporting or other personal consumer reports

TransUnion wont take off a old account thats for a XXXX account off my credit its from 2017
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX account # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX have all violated my rights. 

15 USC 1681 section 201 : States I have the right to privacy.

15 USC 1681 Section 604 A section XXXX : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( XXXX ) States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 sXXXX ( A ) ( XXXX ) 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 the information is inaccurate
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXXXXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 a hard inquiry from XXXX XXXXXXXX appeared on my credit report. I do not recognize this inquiry and I have no knowledge of any attempt made by anyone to accrue this debt. Someone has fraudulently attempted to receive a card in my name and I am disputing this
Product: Credit reporting or other personal consumer reports

Please remove the incorrect and unauthorized inquiries damaging my credit report.
Product: Debt collection

I am reaching out to request an update to the address listed on my credit report to ensure that my records accurately reflect my correct information. SEE ATTACHED DOCUMENT.
Product: Debt collection

I unfortunately can not view the records of my TCF account because they closed my account without warning after I reported my account balance was incorrect. I was overdrawn in my checking account and that was inaccurate. I was in a store over the summer on XXXX and XXXX in XXXX and was making a purchase he had my card and charged me the wrong amount. I did tell the business owner and he said he voided the transaction. Well it still showed up on my account. I was then charged numerous over draft fees because that XXXX dollars never was returned to my account. So actually TCF bank owes me {$40.00} and I tried to get them to dispute that charge and was never given any help. I never received anything for the XXXX that was taken and I am not paying an additional {$260.00} for TCFs negligence. I tried they didn't listen then they took access away from my account so I can not even straighten it out with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

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 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

15 USC 6802 ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt In addition to the other accounts, XXXX XXXX XXXX admitted to NOT having a contract with me ( please see attached docs ) via the XXXX so they need to be removed ASAP. Also posting personal information of the said consumer online via the XXXX complaint for anyone to access.
Product: Debt collection

XX/XX/XXXXXXXX took for ever to disconnect the power as sending out a closing bill. 
Nevada power rep kept telling me that some one get back to me and never did. 
XX/XX/XXXX first bill was disputed being no one was living at the said address. 
I disputed the first bill in which took nevada power to mail out. 
There was no notice mail to me by Nevada power as the dispute was going on and XXXX XXXX Collections for XX/XX/XXXXXXXX never mail me to letter to dispute the claim byXX/XX/XXXXXXXX being it took them forever to resolve the issue. 

XXXXXX/XX/XXXXreps was not following up to correct anything and every time you call you get someone total lost to the problem. 

Nevada power never mail me no finale notice during the time I had an issue with the bill. 

The bill was resolve withXX/XX/XXXXXXXX not XXXX XXXX Collections and the finale bill was Paid to XX/XX/XXXXXXXX. 

XXXX XXXX Collections had no right to place no collections while dispute was going on nor was i notified by any letter while in dispute.
Product: Credit reporting or other personal consumer reports

Ive noticed that my credit report contains incorrect personal information, which is leading to the appearance of unknown and inaccurate accounts. These accounts are not mine, and I have no connection to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account several times with all three bureaus and according to FCRA violations, this item should be removed immediately.
Product: Prepaid card

The state of California in 2022 issued the Middle Class Tax Refund as a debit card. This service was contracted with the Money Network, apparently. The Money Network has been unable to help customers either 1 ) transfer money out of their activated online accounts or 2 ) receive help getting a new card. Every public phone number leads to automated help. This automates system is also broken, and gives messages about " technical difficulties '' before hanging up on the caller. I fall into both categories, I have an online account with the Money Network, but am unable to transfer my funds out. I also no longer have the prepaid card, so I can not use an ATM to receive my funds. 

These self-help numbers are : XXXX ( general automated help ) and XXXX ( for card activation, and lost or stolen cards ) I have called for four weeks and tried to get to the end of the automated help tree, but have been hung up on by the automate system every time, for every phone option. I was finally able to talk to a human through their online chat system, but they were unable to help as well. They also refused to connect me to a supervisor or any form of additional help. That transcript is included as a email file that I saved. 

I am also including a screen shot of the home page of the online account for the MCTR, serviced through XXXX XXXX XXXX, itself a a service of XXXX XXXX XXXX XXXX, which it itself inactive. The screen shot shows I have money within the account, but no option under " Money Out '' to transfer the amount to my personal account. There is also no option to send a secure message or contact any help. XXXX XXXX  XXXX also has a phone number, but it is completely automated and can not find an account by SSN and DOB.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I received I received a phone call from XXXX XXXX XXXX stating that I owe on a {$25000.00} unsecured personal loan as of XX/XX/XXXX. They also said that monthly payments were made against this loan from XX/XX/XXXX to XX/XX/XXXX. I never received any money from XXXX XXXX and I did not make any payments to this SCAM LOAN. In XX/XX/XXXX. XX/XX/XXXX. or XX/XX/XXXX I had received an unsolicited letter from XXXX XXXX that I was preapproved to receive {$25000.00} from them. I did not want to borrow any money from them. I did not fill out any paperwork from them. I then forgot about tnid identity theft loan until the XXXX XXXX phone call.
Product: Checking or savings account

On XX/XX/2021, XXXX dollars were taken out of my checkings account inside my local Bank of America branch with a teller. My account was a shared account with my father XXXX XXXX XXXX. This account is used by me to put my XXXX XXXX money. I did not authorize or make this withdrawal, neither did my dad. Two days later, on XX/XX/XXXX, I called BofA and made a fraud claim. The fraud department took three months with their investigation and replied to me on XX/XX/2021, denying my claim to refund me my money. The reason, as stated on their letter, was because my pin was used. I appealed this decision and asked them to re-open the case and investigate. On XX/XX/2021, they denied my case once again. Having no other option to appeal since my case was denied twice, I went to my local branch and spoke with the branch manager named XXXX. She told me the branch would start a branch investigation. This process took long as well, about 2 months, with me always checking on the status of the investigation. On one of my checkups she told me the fraud department had sent her some footage and it looked like neither me or my father on the footage. I later checked in with her again and she told me that their case was closed for the same reason, that they found my pin was used. I am now with my arms crossed since I need those XXXX dollars to pay my XXXX. Someone stole XXXX dollars out of my tuition funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe these companies.. I don't acknowledge the creditor. In relation to the debt, I do not own it, I've been denied credit because of this erroneous information. All I ask is that you delete this information from my credit report right away XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX   XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continuously failed to report payments made on time to XXXX, however they will promptly report a late payment. 

This is the second time I have had this issue with them. 

They either need to report monthly or remove my account from the credit bureaus
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017. I settled a collection debt with XXXX on behalf of XXXX XXXX for {$1800.00}. First, the collection company informed me doing this will be considered paid in full, and they will contact XXXX to update their system. I contacted XXXX corporate many times but seen nobody knows how to handle this issue, also provide Equifax proof that their reporting is wrong that this account should show no balance and they should stop reporting that I am late every month since I took care this issue in XX/XX/2017. I called XXXX many times to see what was the deal, why was taking so long to update XXXX XXXX systems, their answer at the beginning was We are taking care of that, after We more phone call they did not answer me anymore. Right now Equifax  is saying the verify the account, even I supplied a letter from the collection office, also more back XXXX sold this already paid the debt to another collection office, thank God I keep the record of the payment, that I supplied to that office and they let me alone.
Product: Mortgage

Hello, I am contacting you regarding Synovus bank. We have had issue after issue with them. We refinanced our loan on XXXX XXXX, 2022, and agreed that we would have a XXXX grace period for payments. They wanted a definite date. I told them the XXXX. Of the following month would work, so they were to move the payment forward to the XXXX. When we made a payment on XX/XX/XXXX, they sent us a finance charge for missed payment for XX/XX/2022, when we still did not have a loan with them. After numerous phone calls and emails, we resolved that problem in XXXX 2022. They also made us open an account in their bank in order to get the loan process going of XXXX. 
New current issue : When we refinanced, they provided a list of insurance requirements they wanted for the loan. Before signing the docs, it was fine, and we were ok. Then in XXXX, they contacted us to add flood insurance. Although we are not in a flood zone, I agreed as the cost was minimal. Then in XXXX, they contacted us again and requested we buy wind insurance. The cost is almost XXXX a year. I told them that we were not asked for this closing, and it is an additional cost as we have a concrete building. When costs come down, we would purchase the insurance and cancel the insurance policy they had taken out. This is a very deceptive practice. As if we had known this, we would have stayed with the old lender. I explained to them the state of Florida does not require wind insurance in loans. They are forcing us to buy insurance we were never told that was a requirement. If we had been aware of this, we would not have refinanced. 
We sent them a letter requesting to cancel the insurance and to wait as we would make an effort to find better-priced insurance with no response from them.
Product: Credit card or prepaid card

DISCOVER failed to zero out my balance. On XX/XX/2022, Promissory Note No. XXXX made out to DISCOVER to discharge the entire balance of the the credit card, was remitted for settlement and closure. The Negotiable Instrument was presented under the authority of UCC-2-104 ( c ) and other precedent ( see attachment ).

Instructions were given to DISCOVER that unless the Negotiable Instrument is DISHONORED in writing within 10 days of receipt, by the SECRETARY OF THE TREASURY, Claimant 's financial institution was to release the credit on hold to the payee ( claimant ) with the time stipulated by Regulation " Z '' Truth in Lending Act. The amount of this accepted draft was to be ledgered by DISCOVER, XXXX Department, to the designated account for the redemption of this claim ( Regulation Z ). This statement constituted Drawer 's order to pay this instrument upon presentment and endorsement. DISCOVER failed to zero out my account. DISCOVER engaged in unlawful, illegal, and predatory banking policies and procedures. I have attached all the letters and copy of promissory note sent to DISCOVER in good faith attempts to zero and close this account, all of which have been ignored and have gone unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Central loan servicing was reporting the impossible. they reported my mortgage payments on time, then the next month they reported me 90 days late ( you go from on time to 90 days late in one month? ) the the following month on time again. But instead of them correcting the 90 day late or removing the account all together they post 'NO DATA ' before and after the 90 day late. so now the account shows that it is possible that I was 90 days late which I wasn't. I HAVE A RIGHT UNDER THE FCRA TO HAVE AN ACCURATE CREDIT REPORT!!. THIS IS obviously credit rep [ orting to cover their butts. all of the sudden there is " no data '' before and after the 90 day error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 My name is XXXX XXXX i was checking my credit report and this name company was listed on my report i called bout the lady said couldn't find any information or anything bout me on file not my phone number ss # address nothing..need to know what its bout or who tried to use my information