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

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX || Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXX || Account # : XXXX - XXXXXXXX XXXX || Account # XXXX XXXX
Product: Debt collection

I am writing to request verification of a debt that your company claims I owe. I received a notice from you on XXXX XXXX XXXX regarding this debt, but I need more information to confirm its validity. 

Please provide the following information : 1. The name and address of the original creditor.

2. The amount of the debt, including a breakdown of any fees or interest.

3. Documentation proving that I owe this debt.

4. Proof that your company is authorized to collect this debt.

5. Was there an insurance claim on this debt from original creditor.

6. Was this debt written of as a loss on taxes from original creditor?

If you are unable to provide this information, I request that you cease all collection efforts and remove this debt from my credit report.
Product: Debt collection

This was a debt that was settled through XXXX and associates from XXXX for the amount of {$1100.00}. Years later my wife and I unknowingly or ( ignorantly as we didn't know what we were signing ) signed a document from a law office. Next thing, they garnish my wife 's wages in XXXX for almost {$700.00} for this outstanding debt that was supposed to be settled in XXXX. So, the wages were garnished, and no communication was made after. This was a XXXX XXXX XXXX debt that should have been closed. Now in XXXX, a company called pharus funding llc is harassing us over the same account threating to garnish wages again!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are still inaccurate items found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to be corrected immediately : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX*** ; XXXXXXXX XXXX XXXXccount Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Student loan

American education services keeps calling me regarding my brother, who apparently used me for a reference about 15 years ago. I do not even have a loan with these people! I have told them to stop calling, but they continue to do so almost every day.
Product: Credit card

I had stated to the debt collector I am refusing to pay the {$530.00} td bank usa/target debt so by law they are to cease all communications including to the 3 credit bureaus which they have failed to do thus far. The debt dates back to XXXX XXXX claiming to have closed on XX/XX/year>.
Product: Debt collection

XX/XX/2023 : I notified collector Williams & Fudge not to contact me at work. 
XX/XX/2023 : Followed up with a written request to cease contact at my workplace. 
XX/XX/2023 : Received a call during a critical work meeting, causing disruption. I have received multiple calls during my working hours, and each time I have reminded them not to contact me during my work hours each time and then disconnected. These calls violated FDCPA section 805. 

In addition to these calls, I requested debt verification on XX/XX/2023, but received it on XX/XX/2023, violating the 30-day time limit in FDCPA 809 ( b ). 

Three of the required statements in FDCPA section 809 ( a ) have ever been provided to me by Williams & Fudge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a fraud alert at TransUnion online per instructions from the FTC in relation to the XXXX  breach. Upon completing security questions, I was told I was unable to verify my identity. I answered all questions correctly, however for the one asking which one of the four credit cards I use, was forced to pick only one, even though I have three of those credit cards. I was able to add the alert by phone but had to go through two sales messages which was a waste of my time, for something I should have been able to do online when I answered all questions truthfully. The phone number provided was a recorded line, thus I could add the fraud alert successfully, however could not tell them my security question data was inaccurate.
Product: Credit reporting or other personal consumer reports

I am disputing incorrect information listed on my Equifax credit report. The first issue I would like to address is the inaccurate reporting of a bankruptcy. I have never filed for bankruptcy, and this information is completely false. 

On XX/XX/XXXX, I spoke with a representative named XXXX ( Employee ID : XXXX ) to obtain more information regarding this matter. Unfortunately, she was extremely unhelpful and unprofessional. When I asked for the source of the bankruptcy information, she was unable to provide it and repeatedly spoke over me, refusing to answer my questions. Despite my attempts to clarify the matter, she told me I could call back if I didnt want to listen to what she had to say. I even requested to speak with a supervisor or team lead and she stated Equifax didn't have supervisors or leads, which I don't think is true. 

Returning to the issues I am disputing : 1. Bankruptcy : As stated, I have never filed for bankruptcy, and I am requesting that all records of bankruptcy, along with any accounts associated or affiliated with it, be removed from my credit report immediately. I have attached supporting documentation, including a letter from XXXX and a letter from the court, confirming that no record of bankruptcy exists for me. 

2. Contact Information : My only phone number is XXXX. Please remove any other phone numbers listed, as they are incorrect.

3. Hard Inquiries : I am requesting the removal of the following unauthorized hard inquiries from my credit report I contacted the creditors directly and they have no records : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. Name Variations : Please correct any name variations listed on my credit report to match the exact spelling on my drivers license and Social Security card : XXXX XXXX. Remove the following incorrect variations : XXXX XXXX XXXX If you claim this information is verified, I request that you provide the source of verification, including the name, address, and phone number of the verifying party.

Lastly, I am requesting a complete, updated copy of my credit report be sent to me via U.S. mail once these corrections have been made.

Thank you for addressing these inaccuracies promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain toquestion specific records in my document coming about because of the wrongdoing. Therecords I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, blockthe noteworthy of any information in my credit record that came about due to an allegedfraud or extortion. XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX : {$2000.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$720.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX : {$210.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX .I have a few items of personal information on my file that is inaccurate First I would like to request a opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX XXXX XXXX XXXX EXPERIAN inquires regarding all personal information. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I am a business owner my company is XXXX XXXX XXXX XXXX XXXX XXXX. I have had issues with addresses on my credit report that do no belong to me. The following addresses are not accurate please delete them : XXXX XXXX XXXX, XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX
Product: Debt collection

On XX/XX/XXXX I contacted your office to settle an account. On XX/XX/XXXX I received a settlement offer letter from you company with XXXX different payment options. At that time I did not have the money to take advantage of either option. I'm a single mother and only have XXXX income. I've now saved enough money to take advantage of the first offer on the letter I received in XX/XX/XXXX. The offer stated a single payment of {$410.00} by XX/XX/XXXX. I called your office today to see if they would allow me to take advantage of the offer even though it's has expired. Like I explained earlier I did not have the money at the time of the offer. I spoke with a young lady in your and explained what I was calling about. She stated she would have speak with the operation manager to see if the offer could still be accepted. A young lady by the name of XXXX XXXX returned to the and explained that I wanted to settle an account and that I could pay the {$410.00} today, XX/XX/XXXX. She said she would attach a letter stating that your company would agree to accept the offer of {$410.00} and settle the account. I stayed on hold while the letter was being prepared. Once I received the email with the letter attached, it stated an incorrect balance and stated that I was agreeing to a payment plan. I never stated that I want to make an arrangement for a payment plan. At this time I was place on hold. I again held the phone for 10 minutes waiting for XXXX XXXX to return. Finally I was told that XXXX XXXX would return my call. My call was not returned. I also attempted to contact XXXX XXXX via email. I have not gotten a response yet. I was very disappointed that we discussed a payment of {$410.00} to settle the account and received a letter stating something completely different. I felt like I was being made a fool. No matter the circumstances, I don't feel customers should be treat in this fashion.
Product: Debt collection

I applied for an apartment and was denied for a balance that was on my credit report. I pulled my credit and I called IQOR. The Iqor representative would not take an amount less than what was due. I was told I had to pay in full in order for this to show a paid balance. IQOR would not take anything less than the full balance. I called twice and told them I could pay a percentage and was told I could only pay the total balance and was only able to talk with one representative. I asked for a manager call back and no one has called.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has refused to put a freeze on my credit report! 
XXXX XXXX Transunion are committing fraud I have never filed a chapter XXXX bankruptcy! These 3 credit bureaus are hostile when you call them they are refusing to remove the false fraudulent report of a chapter XXXX! The court papers state THERE WAS NEVER A MEETING OF THE CREDITORS MEANING NO MEETING WITH THE CREDITORS NO BANKRUPTCY! In order for a bankruptcy to proceed you have to meet with the creditors The court papers from the judge that was mailed to all 3 companies says clearly THERE WAS NO MEETING OF CREDITORS! Remove the report of chapter 7 bankruptcy immediately this is fraud, slandering lies intimidation! If all 3 credit bureaus continue this fraudulent report all XXXX companies are agreeing to pay me XXXX XXXX XXXX dollars! Cease and desist the credit bureaus report of a chapter XXXX bankruptcy! I do not owe medical bills I have XXXX & XXXX I never get bills and the credit bureaus continue committing fraud by allowing report without verification! Remove the collection allegations if you do not discontinue this non verification reporting you are agreeing to pay me XXXX XXXX dollars for slander fraud intimidation damages cease and desist reporting as of XX/XX/2021
Product: Mortgage

Mr Cooper received the mortgage from XXXX of which my payment was approx XXXX. They immediately raised my payment to XXXX because they put forced place insurance on the house eventhough I have insurance from XXXX for the previous 2 years. I have called them twice over the past 3 months and have gone online a couple of times also.
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/XXXX I had a Credit Score of XXXX. On XXXX XX/XX/XXXX my score dropped XXXX points to XXXX. Today XXXX XXXX XXXX my score dropped another XXXX points to XXXX. This is ridiculous, I pay off my credit cards every month. I called Experian on XXXX XX/XX/XXXX at XXXX and spoke to XXXX. He said the decrease in scores is because I pay off my credit cards every month so this does not leave a history payment trail. Therefore they considered my rating as XXXX usage and I am penalized. This is unfair reporting. It penalized responsible consumers. I request CFPB investigate and return the XXXX points to my credit score. Thank you
Product: Checking or savings account

I was on correctly charged on my account, many tines, overdraft fees. My account was also frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax wrote me stated they are unable to verify my identity. All the right information except the last employer before I was unemployed since 2016 and that employer is not on the Equifax file. They state they are unable to identify but the correct information is in the system. I believe someone is trying to use my information to do something fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following items are one my credit report i didn't apply for none of these accounts i didn't use none of these accounts Account XXXX statusClosedDate openedXX/XX/XXXX loan amount XXXX XXXX XXXX XXXX XXXX XXXXccount number XXXX Account status Open Date opened XX/XX/XXXX loan amount XXXX $ Original creditor : Account number XXXX Collection opened XX/XX/XXXX XXXX $ Account type XXXX XXXX XXXX XXXX XXXX XXXX Collection AccountAccount number XXXX Collection opened XXXX XXXX, XXXX XXXX $ XXXX XXXXXXXX XXXX XXXX XXXX  Account number XXXX Collection opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account number XXXX Collection opened XXXX XXXX, XXXX XXXX $ XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account number XXXX Collection opened Indicates the date the collection account was opened XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Collection opened XXXX XXXX, XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX $ XXXX Account number XXXX Account status Open Date opened XX/XX/XXXX loan amount XXXX
Product: Debt collection

I was moving out of my apartment in XXXX of 2022, and I was not going to continue using XXXX XXXX XXXX services, including XXXX which they bill separately. So, XXXX XXXX XXXX told me the amount that I owe and they took it out of my account since I have autopay. I even took the equipment back and they still charged me {$160.00} on my account. They charged me in XXXX of 2022. Several months later they sent a bill stating that I owe them, but they already took it out of my account. A year later I get a statement from the collection agency for {$160.00} and I tried to tell them that I already paid XXXX XXXX XXXX. Now this charge that I already paid is showing on my credit report. Credence Resource Management , LLC is the debt collection agency. XXXX is their phone number.
Product: Consumer Loan

One main put a hard inquiry on my credit report that I didno consent to
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all inaccurate information on my credit report with experian. checking my file ive noticed alot of mislead data that is hindering me. please delete an correct the information listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am having some problems with inaccurate information that has been on my report for several years. variations of my name and misspelling the correct spelling is. My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX. Please delete the following addresses : XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX 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 XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have never had these numbers at all please delete these cellphone numbers that do not belong to me : ( 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 card

I paid my entire Citi Bank credit card balance of {$7000.00} via XXXX XXXX ACH transfer on XX/XX/23 to Citi Bank. I was told there would only be 24-48 hours posting time, which meant I could not us my Citi credit card because I had reached my limit of {$7000.00}. After XXXX business hours, my credit card limit was still freezing the use of my card. When I inquired about why, customer service personnel said because my {$7000.00} payment via ACH was so large, it was considered a suspicious transaction & therefore my card had a credit limit imposed for XXXX business days, even though Citi acknowledged that they had received my XXXXXXXX XXXX transfer of {$7000.00} after XXXX hours of receipt. I was trying to make another purchase of deck materials to install my new porch, but was held up by 7 days, which I felt was punitive. My credit score is XXXX, which is excellent, but I assumed to be a suspicious credit risk by Citi Bank, which any written rules or guidelines in the credit card agreement to outline their internal policy. My Citi Bank credit card was finally unfrozen on XX/XX/23 at XXXX XXXX. 
I feel that Citi Bank owes me a written apology & {$100.00} credit reward on my card for my inconvenience. I was insulted by their customer service representatives with their " suspicious transaction '' language, when they could clearly see my credit score was XXXX. 
Thanks for reviewing my complaint. 
XXXX
Product: Checking or savings account

I deposited three ( 3 ) checks at the Bank of America ATM. Because the teller told me that the lines were too long inside, so I had to go use the ATM. So, I used my ATM card and tried to deposit the checks. The ATM " ate '' my checks and then just shut down. No receipt, no confirmation, no nothing. I immediately called the number on the ATM machine. The service agent who assisted me seemed to be understanding and helpful. She said that she would credit me the amount of the checks immediately while the worked on getting the checks from the ATM. Imagine my surprise when 2 months later, I get a notice from BofA saying basically, " Too bad, you lied about the checks, we couldn't find anything to support your claim, so we're taking the credit back from you. '' And so they took back my money!!! 

This is poor banking, to say nothing of customer service. Bank of America needs to take responsibility of its ATM machines and technicians. Especially if they don't want to help the customers inside the branches and are making customers go and use the ATM 's.
Product: Debt collection

XXXX XXXX XXXX, who used XXXX XXXX, and then is using Law Offices Blatt, Hasenmiller, Leibsker & Moore - who continue collection actions after a debt has been discharged by the XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX # XXXX ). My husband received a community discharge from the court in XXXX 2017 -- - As you may know, XXXX is where my husband lives and works and XXXX where I reside they are both community property states. In these states, property, and debt acquired during the marriage is considered the joint property of both spouses. As a result, in community property states, we each are entitled to a one half-share of all marital property and equally responsible for all community debts, also known as marital debts. When the Federal Judge closed my husbands bankruptcy case, and since we both reside in XXXX and XXXX, we are automatically protected by what is known as a community discharge. Which means that if we received a community discharge, even if my husband filed alone. The debt that was acquired during our marriage either in our names or my name or his name that discharge extends to me as well. Creditors such as XXXX XXXX are prohibited from attempting to collect the debt from me since I share 50 of the marital property, both presently and acquired in the future. Even after XXXX has received many notices, and a notice from XXXX and the FDIC - they continued to send me invoices during the bankruptcy automatic stay. This community discharge only lasts for the life of the marriage. Please see section 524 of the Bankruptcy Code.
Product: Checking or savings account

I filed a complaint through you already. You all forced the cashapp to reopen the case. I responded to this so called XXXX. I have heard NOTHING. Not a response from her, NOTHING. You all closed the case thinking they were going to handle the complaint. They are not. Meanwhile I am still homeless. I am still without means to rent a place. They are not investigating anything and I'm sure they fully intend to deny my claim. Please help me. They prey on people just like me thinking they will get away with it.