23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

When I received my pay check on XX/XX/XXXX there was a garnishment so I called my payroll department to find out where it came from and how much it was for and the only information they could provide me with was to contact the general session court and provided me with a phone number to call. I called and was told it was from XX/XX/XXXX and was told I could contact XXXX so I called XXXX and the rep stated she could not help me and I needed to contact Garner and Conner so I called Garner and Conner and spoke with someone name XXXX and I asked her what this was pertaining to and at first she stated it was XXXX and XXXX and XXXX and that there was several things on there and I told her there was no way that XXXX and XXXX could be on there as I currently have XXXX and my vehicle is paid for that was financed through XXXX and she then asked if she place me on hold while she researched the account and then she stated it was for XXXX/XXXX. I asked her what was the original amount of this so called loan/credit card as I have never taken out a loan with this bank and said she did not know what the original amount was but stated they received a judgement in the amount of {$12000.00} back in XX/XX/XXXX. She went on to tell me that they had re-filled the garnishment 6 months later as they had not received a payment but stated that they received a garnishment in the amount of {$87.00} on XX/XX/XXXX, she stated that I made two {$50.00} payments via money orders in XX/XX/XXXX and that I had paid a total of {$3200.00} and I asked her how could that be if I only made 2 {$50.00} payments plus the one garnishment for {$87.00} plus the one the just took for {$330.00} clearly that does n't equal out to be {$3200.00}. XXXX stated that I had faxed them a copy of my pay stub and car payment and a medical bill as well as my cable bill back in XX/XX/XXXX and had agreed to pay {$50.00} a month. I think that something needs to be done about all of these debt collection agency 's that go around buying up old debts and harassing consumers over time barred debts and on top of it can not even provide you with the original amount needless to say I thought you can not be sued on a time barred debt. Something needs to be done to protect the consumer especially when they go in and obtain a garnishment on a time barred debt. I would like my money returned and the garnishment STOPPED!! Otherwise I will have to seek the advise of an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

After applying for a loan, my credit report stated that Capitalone had issued a 30 day and 60 day late payment for my credit card. After first reaching out on chat, the employee agreed with me and stated that this was a mistake and he was not sure why this happened. They submitted a dispute but got back to me saying the information was correct and I missed those payments. I called and asked a supervisor to verify the information which she could not. She looked over my accounts and I asked if she say any late payments or fees associated with my card which she replied to with " hmm no, but lets file another dispute and see what happens. '' Weeks go by and I file another dispute where I send in all my statements that accurately show a credit to my account in full every month for the so called " late payment '' In total it has been almost 2 months where I still have not gotten a resolution or a clear answer as to why they reported to the credit bureaus that I was delinquent on payments for up to 60 days.
Product: Debt collection

I moved out of my apartment on XXXX/XXXX/2016. I received a final statement by mail dated XXXX/XXXX/2016 which states that I have 30 days from the date of my move-out to pay my final statement. On XXXX/XXXX/2016 I start receiving automated calls on my cell phone from Hunter Warfield leaving messages that they are a debt collector attempting to collect a debt. Today, XXXX/XXXX/2016, I receive a letter via presorted first-class mail US Postage Paid XXXX bulk mail envelope with what appears to be a postmark of XXXX. This letter says that I am deliquent on my debt to my apartment complex which is not true. Their automated phone calls happen repeatedly, multiple times a day and at all hours, including outside of the XXXX and XXXX boundaries. They are predatory in their debt collection efforts and need to be stopped.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> I mailed certified letters to Discover, XXXX and XXXX proving I was not the account owner nor joint account owner via an affidavit from my father who is the actual account owner along with XXXX XXXX XXXX XXXX. I also demanded Discover to send me the joint application form to which they returned a form asking me for all my information! Total XXXX  if they thought I was sending them that information. In addition I have requested disputes with the credit reporting agencies and sent them all required documentation and they said Discover Bank said it was a joint account. So yes, XXXX and XXXX XXXX XXXX XXXX is a joint account NOT with my name XXXX XXXX XXXX. 
I have not missed a payment on my accounts in XXXX plus years and the reason I caught this was because my father quit paying and it pinged my credit score. 
Kindly remove this from my credit report and remove the XXXX XXXX plus liability because it has greatly reduced and harmed my personal credit! Please see attached records.
Product: Credit reporting or other personal consumer reports

, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dear Experian XXXX XXXX, I have been reaching out for some time regarding issues with my credit report, and resolving this has been quite a challenge. While I appreciate that progress has been made, I want to emphasize the importance of this issue and the urgency of fixing it. 

My XXXX credit report shows an account from XXXX XXXX that does not belong to me. This situation is a case of fraud and identity theft. I have previously sent multiple letters to you regarding this matter, requesting the removal of this account from my credit report. I have attached several of those letters from XXXX for your reference, and I hope you can finally remove this invalid account. 

This appears to be the last erroneous account on my XXXX credit report. Once it is removed, I will return to a more average credit standing. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Bank account or service

During a previous complaint ( " Complaint '' ), I received communications from J.P. Morgan ( " Complainee '' ) asking me to contact an agent with Chase Executive Office to obtain additional information in order to continue the research. Complainee then closed the complaint. Unfortunately, after several, several unsuccessful phone calls attempting to reach out to the designated agent and leaving numerous voice messages with my contact information, I never received any response. It 's patent that Complainee is not taking the necessary steps to address my concern.
Product: Credit reporting

On XXXX/XXXX/2016, I attempted to purchase my credit report from Experian. After several failed attempts, I made a call to their customer service line. I was told that because my " old account had expired ... I would have to create a new profile account to purchase the report '' I followed those directions and was again blocked by their system ... yet, they charged my XXXX XXXX XXXX XXXX for purchase price of the reports at an amount of {$19.00}. I again called customer service and got the response that " your account is expired '' ... but with a slightly different twist ... '' because my account has expired, my payment liked to an expired account ... but the system is unable to give me a credit report. '' Experian charged my credit card twice ... but is unable to produce a report for the charges. The Experian customer service rep said she would send a " ticket to have my charge refunded to my XXXX XXXX account ... in 2 - 3 business days. '' But, they could n't tell me how to get a credit report because while I used a different user name, at least according to their system, my info somehow continues to link to an older expired account which means I ca n't get a report. Experian is one of the major credit reporting agencies. I 'm stuck as a consumer when I need to check my credit report and I ca n't get a copy because their system is n't working properly. What should have taken me about 5 minutes has consumed the better part of an hour of my time. Your assistance with this would be greatly appreciated. I 've already gotten my free report for the year ... so that 's not an option. I just wanted to check my credit before making a change in credit cards ... this is quite frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my MANY plea that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm contesting have nothing to do with any transactions I've carried out or given the go-ahead for in order to obtain goods, services, or money. Please take away the following THINGS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$1100.00}.
Product: Checking or savings account

On XX/XX/2022, I deposited a check in my Wells Fargo Checking account. This check was sent to me as a payment for a job, with some additional money to pay to some vendors of the company who was hiring me, the total amount for the check was {$6000.00}. 
The check was immediately placed on Hold by the bank and was released on XX/XX/2022. Since the check was placed on hold I trust the bank that everything was ok when the money was made available on my account 5 days later. 

On XX/XX/2022, I went to my nearest Wells Fargo and purchased a cashier 's check for {$3000.00} and made it deposit to another Wells Fargo account and a XXXX transfer for {$600.00} as I was instructed. A few hours later I tried to make a personal purchase but my card was declined so I checked my Bank App and it show that my account was overdrawn. 
I called the bank to see what was happening and I was told that the check was being returned unpaid even though it was placed on hold and made available to me. 

After this, I went to the Bank to try to stop the payments and show my unconformity with the check being made available in my account when it was clear that it needed more time to verify, but they couldn't cancel them. 

The bank started to charge me fees for the overdraw and every other transaction that was being declined, I ask to talk with someone who could helped me and explain to me why the check was made available without making the pertinent revisions since this was the main reason to place a check on hold. 

When I had a response from the bank I was told that I was a victim of a scam but the check was my responsibility, that I had to verify it by myself before I deposited it into my account, when I am not an expert in it nor do I have the tools to do it, but they do. There was negligence on the part of the bank in the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 UNKNOWN INQUIRY
Product: Mortgage

I setup a bi-weekly payment with Greentree financial and was required to be 1 payment ahead ( prepay 1 payment to establish ), payments were applied every 2 weeks as they were suppose to be when Ditech took over service account, they showed account past due and are putting the payment in suspense account stating payments are not applied until the full payment is received I then had a large insurance claim check that was overnighted XXXX they received XXXX, deposited XXXX and as of XXXX still not applied to my account. I have made weekly call inquiring as to the status to get a canned response that they are backed up and it would be 7-10 days before they could process
Product: Credit reporting, credit repair services, or other personal consumer reports

Upgrade Inc is reporting late payments for XX/XX/XXXX, XXXX, and XX/XX/XXXX in which they received payments and this account has never been late. I requested several times via phone and by mail and nothing has changed.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like these items immediately re-investigated. The inaccuracies are highly injurious to my credit score. 


1. account name : XXXX XXXX XXXX XXXX account number : XXXX XXXX account name : XXXX XXXX XXXX  account number : XXXX XXXX account name : XXXX XXXX XXXX XXXX account number : XXXX XXXX account name : XXXX XXXX XXXX account number : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Please provide the names and business addresses of each individual with whom you verified above so that I may follow up, please send an updated copy of my credit report after your re-investigation.
Product: Credit reporting

Equifax Information Services , LLC is purposely violating FDCPA, section 809 and FCRA 611 ( a ) rule and illegally reporting inaccurate and incorrect negative information on my credit report damaging my credit score. The company fails to delete a debt and fails to not report a debt that is not mine. I responded with a deletion of debt request and sent in personal verification information to verify I am not the individual whom owns the debt. Despite the removal of incorrect account information. The company continues to damage my credit score and profile by reporting the same negative information. Furthermore, Equifax is in violation of 611 ( a ) ( 5 ) ( A ) ( 1 ) by not having the original paperwork to verify the validity and accuracy before reporting negative information on my credit profile knowing the negative impact it would cause. These illegal practices are n't acceptable.
Product: Checking or savings account

Company : Citizen 's Bank Date : XX/XX/XXXX Incident : Citizen 's Bank closed my checking account on XX/XX/XXXX of 2019. The closure of this account left me unable to pay my bills, and even resulted in XXXX of my personal loans going into collections. They did not give me a reason for the account closure other than a personal deposit agreement that was mailed to me. Citizen 's Bank claims that I signed this agreement, but has not provided any documentation of my signature to verify this information. 

According to the Citizen 's Bank Personal Deposit Account Agreement : " We may close an account at any time, without prior notice, such as where we, in our sole discretion, note any unusual or excessive patterns or activities including, without limitation, the use of the account in an illicit, exploitative, or abusive manner. '' I did not take part in unusual or excessive patterns of behavior. I did not use my account in an illicit, exploitative, or abusive manner. All of the representatives that knew me at Citizen 's Bank knew that I would regularly deposit cash and wire money to buy cryptocurrency, such as XXXX for personal investment. I used my account to do this from late 2018 until the closure of my account. Citizen 's Bank sent me a letter that my account was suspended during a period of when I was on vacation and unable to reply to them. 

Citizen 's Bank also claims that they made attempts to call me, but they have not shown any evidence that they tried to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's incompetence led to my social security number being exposed via a security breach and they now ask for money from me to put a security freeze, literally profiting from putting me at risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

BANK OF AMERICA XXXX XX/XX/XXXX {$6300.00} XX/XX/XXXX {$6300.00} CHARGE-OFF {$0.00} This account dates back to XXXX and was charged off more than 5 years ago. Yet, it just got reported on XX/XX/XXXX. There is no reason for this being reported now. Also, when I worked this out with this company they advised me that there would be NO negative credit reporting as I paid a portion of the balance ( see attachment ). This negative entry should be removed immediately. I previously filed a Complaint in connection with this ( Complaint No. XXXX ), and the company responded. However, I just received the attached correspondence and settlement check for a lawsuit against the settling agent dated XX/XX/XXXX.  Clearly I was the victim of a fraudulent scheme by this company and I would ask that XXXX correct my credit report to state that I settled this debt, as it was my understanding that I had done so. This is a negative item on my report through no fault of my own. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific records in my credit file that do not belong to me, or thatI have signed any agreement. The items I'm challenging have nothing to do with anytransactions I've done or authorized to gain products, services, or money. Please remove thefollowing items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX  ( Original CreditoXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$790.00} ; XXXX Balance : {$28.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$310.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$320.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX  XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$57.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have contacted your department about the fraudulent accounts that are being reported on my credit. I believe this started in XXXX XXXX time period. I discovered it around XXXX when I had to dispute items the first time, and now it is happening again on my credit report. I have had identity theft Report filed with a XXXX XXXX XXXXXXXX around XX/XX/XXXX due to a break in of my property. Also, I have not supplied proof under doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX, XXXX. I Presume that no proof of the alleged debt, nor therefore exists under my identity.
Product: Credit reporting or other personal consumer reports

When signing up for electronic statements on my XXXX XXXX card with XXXX I inadvertently made an error on my email address ( inputting XXXX XXXX XXXX instead of XXXX XXXX XXXX' ). A charge of {$5.00} was then made to XXXX XXXX on the card which I forgotten was used as a default payment. As I did not receive email or written notification of the charge and subsequent delinquencies I was unaware of the balance. It was not brought to my attention until a credit reporting agency sent a notification of a decrease in my once excellent credit score, showing that XXXX reported a 30 day and 60 day delinquency. I immediately paid the {$5.00} and although XXXX waived the late fee and interest they refuse to remove the late payments from my credit report. I understand that XXXX is required to report late payments however, I am truly not a credit risk and under these circumstances ( the nominal {$5.00} amount and the typographical error ) I am hoping that they will make one time courtesy adjustment. I also hope that XXXX would do as some other banking institutions do and verify emails when they are input into their system and also send out written notifications of delinquencies, so as to avoid issues like this in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has repeatedly failed to update my credit report monthly and incorrectly shows inaccurate balances. I have repeatedly contacted them in which I have been ignored.
Product: Debt collection

I XXXX XXXX called first premier about a charge off account on my credit for the amount of {$610.00} i advised them that this account does not belongs to me. I was advised by a XXXX by the name of XXXX employee number XXXX. She said I cant ask to recall the account and that they cant do anything about it. Well i feel as a consumer my rights is not protected please help.I also sent a letter to verify this debt 30 days ago with no response
Product: Debt collection

I received a notification on my credit report about collections. I do not know the company nor the debt they are asking for. Someone was able to use my name and information for an account somewhere. I have never lived nor visited the place where the said collections is coming from.
Product: Student loan

I've had a student loan for over 10 years now. This loan has been moved multiple times with different companies. The loan is currently with Navient and even though I have never missed a payment my balance has not improved or decreased.