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

I CHECKED MY CREDIT REPORTS AND NOTICE THAT MY IDENTITY HAS BEEN STOLEN AND MY BANK ACCOUNTS WERE HIJACKED AND ALSO ABUSED AND SHUT DOWN FROM FRAUDULENT BOUNCED CHECKS THE FOLLOWING BANKS WERE AFFECTED XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello. This is not sent in error. I am a consumer and information furnished to your agency regarding my credit history was provided without my written consent. This violates my rights as a federally protected consumer. 

XXXXXXXX XXXX XXXXXXXX XXXX I have reviewed my credit report and found no evidence that I have authorized the furnishing of my personal information to your agency. I have never provided written consent for any creditor or other entity to report information about me to your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

two days ago a significant, unknown negative item appeared on my credit report. Experian made no attempt to verify the debt. I filed a complaint and they've done nothing. I confirmed that the alleged debt - reported by XXXX XXXX - was purchased from XXXX XXXX XXXX and is allegedly from 2013 - well past the time I could do anything about it. I have no records and neither XXXX or XXXX can provide any. No effort has been made to collect this alleged debt until now.
Product: Debt collection

On XX/XX/XXXX, I spoke with a woman who stated her name was XXXX and represented herself as a manger. I gave her a verbal cease and desist and stated any further communication should be conducted by US mail. 

Today, XX/XX/XXXX, I received 3 phone calls from this company in a little over an hour. 

On numerous occasions I have attempted to give this company the numerous adjusters and claim information to pursue the insurance for these bills. I have occupational hazard insurance, personal medical insurance, medical payments coverage, as well as third party liability insurance in relation to these bills. I was told the company would not submit bills to the insurance and I needed to pay them.
Product: Debt collection

Collection agency is still in violation and using tactics to keep collection on my credit file. Agency closed out the account but did not remove account from my credit file. Agency is already in violation for not being licensed in florida were i reside therefore they should have never reported the collection account to my report. I request CFPB get involved. i am giving this matter 4 business days to be removed. attached is proof of what jefferson did.
Product: Credit reporting, credit repair services, or other personal consumer reports

AES slash p h e a and XXXX XXXX XXXX reporting that I was making payments to them and then I stop making payments for 10 months showing 30 late payments on three different loans that are duplicates from three other different Loan Servicing Company which are all paid off including the ones held by these people who say that I made 30 payments. The loans were in deferment during this time and there's no way that I wasn't making the payments because they were in deferment. I wasn't making any payments so therefore there couldn't have been any late payments before or after the loans have been paid in full. I've disputed the loans with XXXX  and XXXX and they're still showing up on three of the XXXX XXXX XXXX has 10 late payments on each loan totaling 30 late payments which is hurting my chance to rent an apartment and buy a car because of the late payments. I had a loan of XXXX one for XXXX and one for XXXX  and they've all been paid off satisfactorily through XXXX. I never made a late payment!
Product: Mortgage

On XX/XX/2020, I checked my credit scores on XXXX XXXX and was excited because my XXXX  and XXXX  scores had risen by 30+ points. My husband and I had been working to improve our scores so we could get our mortgage refinanced through a traditional bank instead of our escrow services. Quicken loans was contacted about this a few years previously and told us that we needed to have a FICO score of XXXX. So, we kind of gave up. Well, not watching our credit scores, they rose more. Again we tried to refinance through Quicken Loans and was told this time that we had to have a FICO score of at least XXXX. So, we paid off a whole bunch of debt and worked hard to get over that XXXX mark and finally did on XX/XX/2020. I called Quicken loans to see if we could finally refinance. We were surprised to find out that they went off of our highest scores. It was strange that my XXXX  score, checked that morning was below XXXX. XXXX  and XXXX  reported my scores well above XXXX. But Quicken Loans informed us that my XXXX  score was the highest at XXXX. How can there be this much of a discrepancy when I look at my credit report and when they look at my credit report? And why do I have to pay a monthly fee to any credit bureau to raise a number that I am judged by? Looking at my three free credit reports once a year doesn't even include my credit score. So how can someone just pull up my credit score and I, whom this number belongs to, not have that privilege? And don't you think if I had the money to pay these companies, my credit score would be higher so that I wouldn't have to pay to get this number? This credit bureau system that's in place is so flawed, ridiculous, and so extremely frustrating. Telling me I'm using 100 % of my credit and lenders see me as a poor choice to borrow money. My debt to income ratio is 8 % and I should open a credit card account to raise this magic number. But don't use your credit card over 30 % of the credit line or this will lower your number. I guess what I'm trying to convey is, why are we judged by a number? Everyone makes mistakes in their life. How can Quicken Loans tell me to do all of this stuff to raise my credit score and when I do, they don't hold up their end of the deal with no consequences for them, but another inquiry goes on my report? And their website that says you are qualified to refinance or buy a home but when they call you the second your phone number is entered, you are not qualified because of some new excuse. This is false advertising, bait and switch, and very deceptive. It's pitiful how businesses, financial institutions, landlords, and even potential employers can base their decisions on a number rather than looking at someone and asking them questions.
Product: Debt collection

I keep repeatedly receiving calls from XXXX that are coming up as potential spam through XXXX XXXX XXXX XXXX XXXX. They keep leaving voicemails stating that they are XXXX XXXX XXXX and that they are a debt collector and to contact them. I do not currently have any debts nor have I received any correspondence by mail from this company stating what this debt is relating to.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I had some suspicious activity happen to my online banking. So bank if America decided they would no longer access to. My online banking until I showed up in person to a branch to prove my identity. Now this is after I've had my account for 4 years never had an issue never overdrawn never bounced a check. So the problem with this is, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I've been calling begging proving my identity over the phone the phone for over a year and half. You'd think to there would be notes in my account. Also I like using cash app and gave been for about 11 months every transaction has been a cash app transfer or bill pay ect. Well every month on the 3rd every transaction which is done by me they flag it and force me to sit on my phone for 6 hours some times longer to calm the security of suspicious activity alert and revoke my transaction. This has been going on the past 3 months now. So I would love to link my account by providing my log in credentials to other app such as XXXX XXXX  XXXX but since I have no online access I'm limited and forced to call at least 1 once a day if I choose to pay a bill or send money to my landlord to stop any and all flagged transactions. I feel like because I'm unable to get to a branch there punishing me because of my XXXX, all I want is full access to my money like everyone else. There have been emergencies were I couldn to get medicine or even help my grandbabies with hospital bills because they've locked my account once again due to my transactions
Product: Checking or savings account

The company is Chase ( JPMorgan Chase Bank )... the problem is that the bank cashed my check from the us treasury department and I did not receive the funds... the deposit was made on XX/XX/XXXX then withdrawn on XX/XX/XXXX of the year XXXX. Please note on XX/XX/XXXX they withdrew the same amount from deposit after notifiying me that the check was on hold ... XXXX is the amount of error in question... they convinced me that they would investigate this matter... not so on XX/XX/XXXX there was a Debit DDA-check charge XXXX Ive since been placed through various hoops, and phone calls, waiting, waisting days and hours for a helpful response... nothing... just attitudes from my efforts of trying to recieve my funds. Its making me sick... I can not belive these XXXX are getting away with this..I need help to o btain my funds ... The bank, i feel, just robbed me themselves... I can not believe they are allowed to continue to get away with this. Can you help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency will not remove this fraudulent account ( XXXX   XXXX  XXXX  $ ) This was a fraudulent account. I do not have XXXX, this has been wiped off my report and continues to reappear even though I provide evidence that this was ID Theft. I will upload my report with the CFPB. I have disputed it a couple times each time submitted the pertinent information to prove it is ID Theft. The credit Bureaus will not remove it and continue to update the derogatory each month along with keeping the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

First National Bank of PA is a bank that I have a line of credit with. My payments are on time and I have a co-borrower who is in bad straits with FNB of PA. He signed as a co-borrower when I needed help. That was 7 years ago and the account has been paid as agreed. 

Now I find out that my credit is suffering because they are reporting this as an adverse account with late payments when are are none. This is because the co-borrower is in trouble with the same bank. 

I asked them to remove the co-borrower to get rid of the bad reporting on my credit and they are ignoring me.
Product: Debt collection

Resurgent Capital Services XXXX. XXXX  XXXX XXXX, MI XXXX Original Creditor XXXX XXXX XXXX Current Owner LVNV Funding LLC On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Unless I notify within 30 days of receiving letter, they will assume debt is valid and obtain judgement. 

I responded each time requesting a copy of the original " Bill of Sale ''. 
They respond by sending a " Account Summary Report '' that any one could make up in an XXXX  Spreadsheet. 

To date they fail to send what is requested. Odd that after replying in XXXX, I have not heard anything until this year.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed several inquiries that I did not authorize. On my XXXX report I see 2 inquiries from XXXX XXXX and 1 from XXXX XXXX on On XXXX. On my XXXX report I see there is an inquiry from XXXX XXXX XXXX on XXXX that I did not authorize
Product: Credit card or prepaid card

I used my Citi Dividend card only for my XXXX subscription and I typically end up paying the amount due and the upcoming charge at the same time, so it is not unusual to only get a statement every other month. I didn't think much of it when I didn't get any emails from company for a while. It was a big problem however because I did not get a statement for months, and so was unaware that they charged me late fees on a balance I didn't even know I had. Last email I received from Citi prior to suddenly learning on XX/XX/XXXX have a balance of {$90.00} plus including {$70.00} or so of late charges, was XX/XX/XXXX. I checked every email folder I have any I have no emails from Citi in this range. The company says that they tried to call me ... while I was at work and not able to answer the phone, and left me no messages. They stated that they are barred from leaving messages due to privacy requirements. Called the company, and they refuse to take any responsibility for their failure to communicate with customers on a basic level. After over a half hour, I just had them cancel the account. I can't trust them to not charge me without notifying me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed tha t Stellar Recovery   Inc a re reporting negative information to the reporting agencies. This company is not licensed and bonded to do business in the state of Texas and should be removed immediately from my credit files with the credit bureaus. I have contacted them with no resolution. I am requesting this information be deleted immediately due to affecting my credit.
Product: Payday loan, title loan, or personal loan

I continue to receive no response and incomplete and erroneous processing of my loan application from XXXX XXXX at Essex-bank of the west. I already have a boat loan with them since XX/XX/XXXX.I was in a boating accident and the boat which they currently hold the loan for was totaled. That loan is in process of being paid off. I found a replacement boat and reapplied for a loan through Essex for this. I was approved for the loan on XX/XX/XXXX. But since then I have had nothing but problems and delays. XXXX XXXX asked for some signed documentation on XX/XX/XXXX which we sent over right away. XXXX however never even confirmed he received our documentation until XX/XX/XXXX. Even after repeated emails. Then on XX/XX/XXXX only after I continued to email him several times and left a voicemail did he call me. I was sent a follow up email the following day stating he needed current bank lienholder information per the payoff letter. However XXXX doesnt even know the rules of who holds the title. We responded to him with the following : In New York the owner holds the title not the bank ] There are only nine title-holding states : Kentucky, Maryland, Michigan, Minnesota, Missouri, Montana, New York , Oklahoma, Wisconsin. In the other 41 states, titles are issued to the lien holder of your vehicle until the loan is fully paid off. He wanted an updated title with bank name not owners name?? We also resent he title that shows two lien holders one being XXXX XXXX  XXXX ( The name is spelled out. XXXX XXXX XXXX XXXX XXXX ) We did send a satisfaction of lien from the additional lienholder. This was sent on XX/XX/XXXX. Since then no response even though I have emailed him 3 times and left a vm. And he is out for the second time since I have been dealing with him until XX/XX/XXXX. And was told when I spoke to him on XX/XX/XXXX that this process could take an additional 3 weeks. I am in danger of losing the boat we found if this can not be expedited.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. This is my second and final attempt to resolve this matter amicably. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  XXXX Balance Owed  : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX  XXXX Balance Owed : {$1500.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX/XXXX  XXXX Balance Owed : {$22000.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

WELLS FARGO XXXX Balance Owed : {$4200.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

WF/PREFERR XXXX Balance Owed : {$8200.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX  XXXX  XXXX Balance Owed : {$2400.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX  XXXX Balance Owed : {$3600.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 



XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} - Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act. 

XXXX  XXXX  & XXXX  XXXX Balance Owed : {$4700.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX  XXXX  I XXXX Balance Owed : {$3400.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau.
Product: Payday loan, title loan, personal loan, or advance loan

Checked the bank automated system for payoff information in XXXX, AND XXXX of XXXX, for payoff balance also statement balance reflected sum total of : ( XXXX ) However, Payment was made in full on XX/XX/year> to Santander Branch. PAYMENT WAS MADE IN FULL However SANTANDER BANK is mischievously trying to implement a unknow fee of interest, which is very misleading from the automated system payoff BALANCE.
Product: Mortgage

Refinance from Flagstar bank through XXXX  XXXX. XXXX XXXX and XXXX XXXX told us that we had refund coming back in amount of {$1300.00} and some. All we received from them was around like {$190.00} Our understanding was this was for interest credit they refused to pay us our money back. say something and was back from XXXX or XXXX we dont understand what it is and we feel that we have been missed informed we just did our closing agreement that we will get {$1300.00} and some back and we dont understand or agree that we deserve the customer service that we received. All of this is from our escrow account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Bankruptcy Case Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

On multiple occasions I reached out to XXXX about the debt that they claim I owe. I told them that Im not understanding why am I receiving a bill from you all when I never received the phones. She said that they had to do an investigation with XXXX to see what happened. She said from what she was seeing that the package got lost in transit. She did an follow up call with me On Wednesday, XXXX XXXX XXXX and said that they had no record of it, the XXXX number for the phone no nothing because after so long its removed from their system. So thats when she came back and said that my information was sent over to a debt collection agency called Diversified Adjustment Services. She gave me their contact information and I called them. When I spoke with the agent with the company on XXXX XXXX she rudely told me that I owe the debt. I was like can yall look into it because Ive never received the phones, she said that my information was sent over by XXXX and they was supposed to do the investigation. I was like its with you all now so are you able to do it, all of a sudden the phone hangs up. Every since then they been harassing me with text messages. I sent a debt verification letter to Diversified Adjustment Services and have yet to here anything back as of XXXX XXXX.
Product: Debt collection

To whom it may concern, I have a complaint I need to file against Macys. I have disputed this account  XXXX  times and all  XXXX  times Macys has verified the information to be accurate per the credit bureaus. I have been trying to get in contact with the creditor who is verifying this information for three days and everyone including Macys is saying they dont have the account anymore.   XXXX   XXXX  , 2017 I looked at my credit report I received in the mail from disputing information on my credit report and called Macys (   XXXX   ) to settle the account. They informed me that they dont own the account anymore and for me to call Citibank (   XXXX   ) which is also known as Macys recovery department. I called Citibank and spoke with a collection agent named   XXXX   ; she informed me that they dont own the account anymore.   XXXX   told me to call   XXXX   XXXX   (   XXXX   ) ;   XXXX   XXXX   told me they dont have the account anymore.   XXXX   XXXX   then gave me an invalid number   XXXX   which they said belong to  XXXX .   XXXX   XXXX  , 2017, the exact same thing happened. I ask to speak to a supervisor or a Manager for all  XXXX  agencies and nobody could tell me any information regarding this account. Macys manager refused to get on the phone.   XXXX   XXXX  , 2017 the same runaround happened again, but I was on a three way call with my realtor because they couldnt believe what was going on. She witnessed the exact same thing happen live on the phone. Could you please look into this situation because I am trying to close on a house and it is blocking me from doing so. I believe this account should be deleted because I tried to settle it but no one wanted to take my money because they dont have any information on the matter!