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

XXXX  XXXX XXXX reported a past due balance without previously informing me of the past due balance. They do not mail me account statements and revoked/refuse to grant me a access to my online account and app so monitor any balances myself ( coercing me into an past due balance that I was uninformed about ). I only learned of the past due balance once it was reported to the credit bureaus and cured it same day. I disputed the adverse reporting and the bank refuses to remove it from my reporting though they failed to properly validate debt. This occurred during a car purchase and I now have a much higher auto loan interest rate and payments plus mutliple credit inquires as I struggled to obtain credit due to this malicious reporting. XXXX  XXXX XXXX 's failure to oblige by the FCRA has resulted in immense monetary damages and a XXXX point dip in my credit score that they refuse to rectify.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX. I told them they have erroneous information on my credit report. I said my balance should be no more than {$150.00} on my XXXX XXXX XXXX account ending in XXXX regarding XXXX XXXX, XXXX. Here is the information I told XXXX XXXX that I gave XXXX XXXX. 
I received a letter from XXXX XXXX about a XXXX XXXX account opened by XXXX XXXX, a XXXX, where he overcharged me for services I did not receive. I talked to XXXX, a Manager, at XXXX XXXX on XX/XX/XXXX that I did not receive the XXXX  XXXX treatment XXXX XXXX is showing on the ledger. In addition, XXXX XXXX said I would be pay for one treatment and get the next one free. I had asked XXXX XXXX for a copy of the billing for each of my six visits and to show what he is billing Medicare. He never sent me the information I requested. I stopped going there because I feel this is fraudulent activity perpetrated against me, a senior. I went over the amount I was disputing with XXXX from XXXX XXXX which is {$1200.00} which leaves me with a balance of approximately {$150.00}. I paid XXXX about {$60.00} on this account this month. XXXX never went over the information in the letter they sent to me prior to sending it. I could have told them at that point what I was still disputing. They should communicate properly with their customers, especially seniors, when they are being taken advantage of. XXXX has all this negative information reflected on my credit reports. I need this resolved right away.
Product: Debt collection

XXXX XXXX XXXX sold a " debt '' to GLA Collections in XXXX. The debt is being reported as being from XXXX. Charges are from XXXX, that coincidentally were not billed to insurance and billed at higher rates than insurance. There are also multiple charges for same services. Also, this provider requires payment every visit in order to be seen. This was paid and the statements event show a XXXX patient balance after last visit. 
A debt validation letter was sent to GLA on XX/XX/XXXX. Delivered XXXX XXXX. Nearly 2 months have passed with no response from GLA validating the " debt '' of {$1600.00}. The drs office admits the " debt is from XX/XX/XXXX and questions why I am disputing it '' when I ask for XXXX XXXX XXXX assistance in the matter. 
GLA has not validated the debt. The drs office admits its from XXXX, but its reported to all 3 credit bureaus from XXXX. This can't be legal
Product: Credit reporting or other personal consumer reports

XXXX XXXX Reported XX/XX/XXXX I moved from XXXXXXXX XXXX XXXX to XXXXXXXX XXXX end of XXXX in XX/XX/XXXX i receive a bill from my old electric company stating that i owed XXXX dollars, I immediately call the company, and let them know that my services were stopped, before i left in XXXX, so how was i still being billed. i was told by the company to go back to XXXXXXXX XXXX XXXX and fille a police complaint, because it's possible the person that lived there after me was still using my electric account and that they didnt cut the electric even after i requested it. I then stated that's impossible, because i once own this same company XXXX dollars and they cut my electric off, so how can someone owed them this much without them cutting the electric, i didn't get an answer to that, so i demanded for them to send me all the bills that totaled to XXXX dollars an itemize bill, and they couldn't send me this bill, they sent me a summary of just XXXX dollars, i asked for an itemize bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my accounts was properly investigated, but how is that possible if the open dates are inaccurate, the dates last active are inaccurate, accounts that are in collection are also being reported as late payments, and the dates last reported is not accurate. This is grounds for removal. 

Inaccurate Accounts : All dates are inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : My information was shared with these companies without my permission or consent 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 THEY ALSO VIOLATED my rights under 15 U.S.C 1681 sections 602 A. States I have a right to privacy 15 U.S.C 1681 sections 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions The Credit Bureaus are in direct violation of Federal Law under the Fair Credit Reporting Act ( FCRA ) 1681a ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I, the consumer and natural person, am filing this complaint about my consumer report in its entirety. The Credit Bureaus have assumed this role without my PERMISSION OR CONSENT! They did not exercise their grave responsibilities, they were unfair, they were partial, and they did not RESPECT my RIGHT TO PRIVACY! They NEVER had a permissible purpose! And I NEVER INSTRUCTED Them to furnish or create this report and I NEVER CONSENTED to this report in the first place. I have disputed these reports in their entirety as well as other accounts time and time again for years. I have asked them to remove ALL items from my consumer reports AS SOON AS POSSIBLE! And since they have failed to make reasonable procedures to resolve my requests to remove this report in its entirety, I am now being misrepresented by each Credit Bureau because these corporations have chosen to continue making fraudulent statements in my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I went on XXXX  platform and XXXX of theyre merchants called XXXX was advertising a pair of XXXX XXXX XXXX XXXX said came no original box because they were from a outlet store and had red slash marks on inside boots tags for same reason well I had no idea that was a lie until I received the counterfeit XXXX  I took them to XXXX  outlet in person who confirmed they never sell theyre boots no original box or with red slashes on inside tags they also compared the boots I received to same exact ones they sell and showed me the ones I received have no serial numbers on inside tags and said all original XXXX  will have serial numbers on inside tags I tried returning these to merchant they said within XXXX days but I am XXXX XXXX I needed time to go to outlet store to confirm they were counterfeit I chatted with merchant explained I had confirmed them to be counterfeit and wanted loan cancelled and my payment made refunded and wanted to return them not at my shipping cost at theyre shipping cost since theyre fake they refused so I contacted XXXX  multiple times about this they refuse to cancel this loan also and let me return them they expect me to pay XXXX for fake boots tteyre are multiple other complaints on XXXX  from other customers who purchased boots from this merchant about them selling counterfeit XXXX  to my knowledge this is against the law I can not afford to pay fur counterfeit XXXX  if I knew they were knock offs I would certainly never made purchase and now XXXX  out theyre loan on my credit report telling me I still have to pay for them they and theyre merchant broke the law selling fake merchandise this is completely unfair to me as a innocent buyer
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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: Mortgage

i requested for Loan Modification on XX/XX/XXXX and XX/XX/XXXX Mr. Cooper declined Loan Modification. Now they based this application on my Deceased grandparents. 

I inherited property through a Trust and yes they have had copies of both Death Certificates, Trust and Title back in XXXX. 

I am only on Title and XX/XX/XXXX I sent over via fax a XXXX XXXX Modification Application and all supporting documents such as tax returns, XXXX, etc ( 25 pages XXXX. 

On XX/XX/XXXX called Mr. Cooper to confirm receipt of faxed documents ( 25 pages ) spoke to XXXX who stated they received all 25 pages. So when I asked about this letter dated on XX/XX/XXXX showing Items still needed ( /income, tax returns, etc. ) she placed me on hold to ask underwriter. The underwriter had told her that they needed my grandfathers death certificate. 

I do Not feel comfortable knowing that they have all the documentation needed for myself and yet there asking for information on deceased people. 
Now there telling me to check back within 5 business days.
Product: Checking or savings account

Someone created a USAA account under my name, email & ssn. They then tried to send a message as USAA to my " usaa '' inbox that had a number to call ( XXXX XXXX XXXX ). I called their fraud department and she had filled out some fraud form and was told USAA will contact me later.
Product: Debt collection

i had gold key credit inc removed from my credit report they are lieng to the credit brues and saying i owe some type of medical debt. they where rude and biligerent when i talk to them and they have broken so much laws its not even funny. i would like them to remove them selfs from my credit report
Product: Mortgage

My wife and I are senior citizens and we were told incorrect information by Wells Fargo Bank branch XXXX XXXX XXXX Florida. My wife and I went into the bank to have them adjust a monthly service charge to my business account.. At that time, we asked the service representative XXXX if Wells Fargo had an interest only home equity loan. She said they did and sent me to XXXX XXXX who is the financial advisor for that branch. We talked with XXXX at length about the interest only home equity. We stated that our present home equity with XXXX XXXX XXXX was expiring in a year and XXXX XXXX XXXX did not offer an interest only loan. He said we could start the process with Wells Fargo since Wells Fargo had an interest only home equity loan.. At no point were we told that Wells Fargo did not offer an interest only loan. A form that I was asked to sign stated that the line of credit at XXXX XXXX XXXX would be closed. I was told last week that I should have signed a form that stated that the loan at the other bank would only be closed after the new loan was in place. Unfortunately the financial advisor gave me this form to sign because he stated it would only be used after the new loan was in place. It looks like that after he closed my old home equity, I would be forced to use the home equity that was offered by Wells Fargo. I have contacted the financial department of Wells Fargo. I got a nice form letter from XXXX XXXX which stated I would get a result of the inquiry by XXXX XXXX .On XXXX XXXX I received another form letter from XXXX XXXX which stated that I would get the result by XXXX XXXX. On XXXX XXXX, I called XXXX and she never called me back. I supposedly got her boss, XXXX XXXX, who stated I would hear from XXXX by Friday this week and I should get a final decision in several weeks. Meanwhile I have had to borrow money from my savings account to cover a bill that was due last month. I paid back the money to my savings account this month. Basically I was misinformed by Wells Fargo and it looks very suspicious since I was told at another branch that Wells Fargo had not had an interest only loan since XX/XX/XXXX and this financial advisor had me sign that form to close my home equity at XXXX XXXX XXXX before my new loan was in place. 
It looks like the customer service department is used to send form letters to customers and never really solves the problems that the bank creates. 
Not once did any person in Wells Fargo address the problem. All they stated was that they would tell their personnel that they did not offer that product and that is scarry that a branch does not know the products that the bank offers. I do not know what to do and it seems like Wells Fargo washed their hands of the problem. I really hope the banking department can look into this practice by Wells Fargo and see if Senior Citizens are easy prey for the bank. 
I also would like to know what other organizations that I can inform about Wells Fargo approach to dealing with senior citizens
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE ATTACHED. THIRD LETTER TO EACH AGENCY. IM TIRED OF THE RUN AROUND AND BEING TOLD MY DISPUTES AND CLAIMS HAVEN'T BEEN RECEIVED. IM TIRED OF SPEAKING TO REPS IN XXXX WHO I HAVE TO EXPLAIN EVERYTHING FROM SCRATCH EVERY TIME IM TRANSFERRED. THIS PERSONAL AND SENSITIVE INFORMATION SHOULDNT BE OUTSOURCED SO FREELY.
Product: Credit card or prepaid card

On XX/XX/2019, I made a call to Capital One to try to resolve a fraud issue. They told me that they took the claim information and told me I would be credited back the amount I talked to them about. It is as follows : XX/XX/2019 for {$640.00}. 
On XX/XX/2019 they credited my account {$640.00}. They told me it was available for use. I tried to use my card and it was declined. I called back on XX/XX/2019, and the credit was removed from the account. They told me I have to wait 30 to 90 days now for them to credit my card back. They told me they took the credit back because it was still under review. I said, how do you credit someone and take the credit back right away? That makes no sense. They told me they are still investigating and gave me no valid reason for putting the credit on and removing it right away. They have been rude to me and hung up on me several times. They basically told me I have to wait. 
The card number I am giving you on the next page is the new card that they just issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 card or prepaid card

HSBC do not want to increase my credit limit for my XXXX ending under the pretext I would have " returned checks ''. However, and to the best of my knowledge, I never ever had any NSF check in my life. ( NSF = non-sufficient-fund ) If the bank got a wrong information it must disclose its sources for giving us a chance to correct it and unlock the credit limit in a fair manner. Attached is the HSBC letter showing they have an erroneous information in their data bases.
Product: Credit card

Bank America closed a Credit Card saying that I had applied for some sort of debt relief or government benefits and because of that they closed an account on which I had not ever missed a payment and could easily payoff. I ask for the source of information and they just said it came from my social security number- i have checked all three credit reports and there is no adverse information or information regarding this and my XXXX score are good to high. There are no public reports indicating such action.They also refused to provide the benefits I had earned on that card through accumulation of points. They provided no help just gave me the run around sending me to different phone numbers.
Product: Debt collection

I continue to receive unsolicited/unwelcomed threatening phone calls from a company only known as R.P.M. collection agency ( phone # ( XXXX ) XXXX ) who refuse to share any information with me as to the nature of their business or who it is they are representing, instead I 'm asked personal questions or they simply hang up the phone, I have been extremely patient in this matter but I have reached my level of tolerance with these unwanted disturbances
Product: Debt collection

You are inaccurately and incompletely furnishing information regarding the referenced account # XXXX to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA , Section 623, Responsibilities of Furnishers of Information, and for which you are responsible. 

PLEASE TAKE THIS NOTICE that this letter constitutes notice under the California Consumer Legal Remedies Act, ( hereinafter referred to as " CLRA '' ) California Civil Code section 1750, et seq., ( hereinafter referred to as the " ACT '' ) and pursuant specifically to Civil Code section 1782. I am hereby notifying that you are inaccurately and falsely reporting the following Account : XXXX which constitutes violations of the Act and of my demand that you remedy such violation within five ( 05 ) calendar days from your receipt of this letter. 

I am disputing your information in its entirety and request evidentiary documentation that substantiates the information you have furnished and its reporting. 

I have previously disputed this information with the credit bureaus and the result of that investigation was verified as " accurate '' according to your XXXX program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see two accounts that Equifax is reporting on my credit report. I do not have a contract to do business with either of the companies listed below. I have the same name as my son. I don't think the bureau did any sort of verification before listing these items on my report. Therefore, I must request a copy of the signed contact to do business with the parties listed : XXXX XXXX XXXX opened on XX/XX/2018 {$890.00} XXXX XXXX XXXX opened XX/XX/2018 {$1300.00} According to FCRA, its possible for Equifax to have mistakenly mixed credit information of people with similar information, which violates the FCRA if not remedied Creditors should not give information they know ( or should know ) is untrue or inaccurate to Equifax and Equifax should be making sure what they're reporting is true and accurate before listing these accounts on my report. 

Please provide requested info and not just say the items were verified without providing me of PROOF in the form of my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX, Equifax, and XXXX credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$10000.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Checking or savings account

On XX/XX/2023 I used my Citibank online banking services to request a stop payment on a check to pay credit card bill. I had sent the check in the mail 3-4 weeks earlier and the Citibank credit card company hadn't received it.

The system communicated twice that once I requested the stop payment on the check, I could not undo the action. I acknowledged this. 
Then AFTER I completed the request, I got a message saying that I would be charged {$30.00} for this action. 
While I think {$30.00} is a lot for a stop payment on a check, I am not asking for the money back. I'm requesting that customers be informed, BEFORE completing the transaction that there is a {$30.00} fee involved. 

I also called Citibank customer service to register my complaint, though I am not certain anything will be done about it.