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

After years of dealing with ultra low credit scores I have tried multiple different types of communication paths to get the correct information reported after having a credit account reporting that I was over due for payments and never reported any positive impact from any real accounts such as that show on time payments only information reported by trans union services reflected terrible credit history so much that I have not been able to find a single payday loan or anything after XXXX  years of paying with cash and only having paid bills for shelter and electricity and to receive only negative effects from the fact that all funding from my life can only come from myself as I am not awarded the luxury or right to have a opportunity to receive a loan to purchase a home for my family due to the inaccurate information depecting my family as untrustworthy to pay back or such a high risk that no such lender dare touch me
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report was accessed without my permission. Bank was instructed to run credit report only once at starting of credit. Credit was accessed and decisions was made to close account without my permission.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$64000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$930.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$210000.00} XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

They were claiming to check my medical bill, I asked why they were calling and they replied theyre just debt collectors for this medical bill Im paying off, they didnt even know I already had a payment plan. The first six digits of the number always start off the same and the last 4 are different. I also called the hospital just to reaffirm if this was typical or if it was something else, they said they only call from one number thats completely different. I did my best to not give out too much information because its my first time paying off a hospital bill and Im not sure how these things really go. The information I did give was my DOB and the amount Im paying off monthly, they asked for a receipt number or a verification but I said I wasnt able to provide one ( which wasnt true ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX*Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity. 
LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXX XXXXXXXX {$1800.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$1100.00} XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXXXXXX {$1500.00} XXXX XXXX XXXXXXXX {$220.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX {$390.00} XXXXXXXX XXXX XXXX XXXX {$580.00} XXXXXXXX XXXX XXXX XXXXXXXX {$1500.00}
Product: Credit reporting or other personal consumer reports

This is actually a series of events. The first one 's resolution led to the second, which hasn't been resolved yet. On XX/XX/XXXX, a fraudulent charge of {$10.00} was placed on my credit card. I contacted Wells Fargo fraud department, they reverted the charge, and issued a new credit card to me. On XX/XX/XXXX, Wells Fargo started incorrectly reporting the old closed account as " charged off '' to XXXX and later XXXX. They reported that I owed Wells Fargo {$10.00} in overdue payments and the debt was written off, assigning me the responsibility and negatively impacting my credit score, while the whole time it was a fraudulent change I reported almost immediately. A representative told me that Wells Fargo tried to get the money from the merchant but failed, and so decided to put it back on my account. 

I contacted Wells Fargo, XXXX, as well as XXXX. In about a month 's time, the closed account was removed from my credit reports and my credit score was back to normal. I thought all is resolved, but this is only half the trouble. 

While the closed account was removed, my new account ( the one that was reissued after the fraud ) was also removed from my XXXX account. XXXX told me on XX/XX/XXXX that the " reporting member '' is not providing information for this account. I contacted Wells Fargo on XX/XX/XXXX but it has been unresponsive since.
Product: Credit card or prepaid card

XXXX XXXX, Office of the President of Barclays provided a response on XX/XX/XXXX that my XXXX Business Card has been resolved, I have also received a verbal phone call from Mr. XXXX saying the " Review '' for XXXX card has been resolved. I have not attempted to use the card until today XX/XX/XXXX and it continued to decline. I called XXXX XXXX Customer service at XXXX at XXXX XXXX and spoke with a rep who then transferred me to another rep in " Business Review Department '' at XXXX but transferred me to that number and despite explaining my letter and them selectively approving my XXXX XXXX  Business Mastercard, they said, " Review team still has your XXXX Business Card under review. There is no time-frame when they will call you, expect a call from them. '' Despite explaining my other Barclays account ( XXXX ) was removed of the hold and able to use card, they said XXXX is still under review. XXXX XXXX responded in the previous attachment that " we were able to remove the security holds on both accounts. '' Clearly one of the accounts still has a security hold. I have faxed over my Social Security Card, California Driver 's License, and my XXXX Federal and State tax return to Barclays Review Team on XX/XX/XXXX at Date : XX/XX/XXXX XXXX XXXX   PDT Receiver Name : Barclays Review Team Receiver Fax # : XXXX Subject : Review Team Page Count : 74 ( including cover page ) There has not been 1 attempt of phone call from the Review Team at this time, I didn't expect a call as I did receive this official letter and a direct phone call from XXXX XXXX saying both my accounts hold are removed. I would like a follow-up and expedition as it has taken quite some time and it is HIGHLY inconvenient every time I call it will take over 45 minutes of my time deferred to another rep that holds no accountability and says conflicting reports. I have left a voicemail to Mr. XXXX XXXX ext XXXX on XX/XX/XXXX at XXXX and his office should be open until XXXX but nobody answered at this time. Mr. XXXX, may I request a resolve for this situation? I thought this was already cleared and I do appreciate your professionalism and follow-up calls but if you verbally and indicate on paper that both accounts are cleared, it should be cleared. I should not spend any more time on this yet I have already spent a total of 2.5 hours already! I ended work early to enjoy my extra 4 hours off but spent most of it on this matter! I am sorry for the frustration but I am so upset about this.  It's already been about 1 month since the XXXX XXXX XXXX has been opened and I am unable to use it despite sending in personal and quite dangerous security documents to you nearing 3 weeks. Please help I am tired of calling customer service reps that provide false reassurances and no follow-ups.e )
Product: Credit card or prepaid card

Two years ago, my wife made a reservation on XXXX XXXX XXXX. While taking the reservation, the clerk persuaded my wife to apply for the XXXX XXXX XXXX Visa credit card, telling her that possession of the XXXX XXXX XXXX Visa credit card would entitle her to check one piece of luggage at no charge. My wife received the credit card, never used it once and was surprised last month to receive a bill in the mail from XXXX XXXX XXXX Visa Credit Card for {$69.00}, payable by XX/XX/XXXX. She called and learned that the fine print for the credit card stipulated that after 1 year there is an annual fee of {$69.00}. This was never mentioned by the reservation clerk when she was selling her the airlines credit card. My wife promptly canceled the card. When we called XX/XX/XXXX XXXX XXXX, they directed her to complain to the credit card company [ XXXX XXXX / XXXX XXXX XXXX / XXXX, XXXX XXXX/ telephone : XXXX ]. Not surprising, the credit card in turn directed her to complain to XX/XX/XXXX XXXX XXXX. Both companies were in agreement that they were not responsible. 
We strongly protest these sales tactics. My wife would never have signed up for the card if she had been warned up front of an annual fee. We are currently using a credit card that gives us reward points. I assure you that we would never have signed up for a card with a {$69.00} annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

My positive XXXX credit card payment history is not being reported by experian
Product: Checking or savings account

After I made a complaint. XXXX and XXXX XXXX had a party where they don't live in the house anymore. They had XXXX cars. XXXX was pretending to have a kids birthday party at night on a school night. They were turning on their car alarms through out the night. But their friends didn't like it cause I done it back to them. They had their friends park in front my house defacing my property with tire marks. I have it all recorded on my door bell camera. This was done in retaliation of my complaint. Somebody at Wells Fargo said the reason my account was closed was because I harassed XXXX XXXX. 

Well I have proof now they are harassing me. The time was recording when they started hitting their car alarm. I wasn't doing nothing for them to act like grammar school kids. 

If they had looked at the Bank security footage or spoke with the banker I was working with. They would see I wasn't harassing XXXX XXXX. The police didn't arrest me either. The harassment charges has been dropped because I got a lawyer. XXXX XXXX tried to set me up to get me arrested. 

I have no interest or car to go around XXXX XXXX. But she intentionally comes around me to falsely accused me of harassing her because she got away with it once. I never harassed XXXX XXXX. I don't care what Wells Fargo managers if they think I have. 

XXXX XXXX was giving car loans to her friends but wanted to financially ruined me and trying to make me homeless. 

XXXX XXXX had no right to have people over to harass me and my son. Then XXXX of their friends road raged out of the neighborhood. I have all the footage of the harassment recorded. With them harassing me and my son and disturbing the peace with them Turing on their car alarms. This is the type of employees they have working for them. And why customer service is so bad. 

As soon when it got dark. They started showing up. I had a right to file a complaint against XXXX XXXX for her trying to financially ruined me and have me falsely arrested even after the charges were dropped. 

Then causing me trouble at the bank. Where I can't have a checking account anymore. I want to inform Wells Fargo. There is no restraining order against me. XXXX and XXXX XXXX are not the victims. 

I and my son are the victims.
Product: Credit card or prepaid card

I have a visa credit card through my bank, Bank Of America, I had a charge that I disputed and they took it off, that was what I wanted. I had them negate that card and issue me a new card, which they did. The previous card was no longer valid. I now have a charge on my new card that I did not authorize. A year ago I bought a computer from XXXX XXXX along with a warranty, for one year, which I paid for at the time of purchase in XXXX of 2019, that was on the old credit card that I destroyed. Somehow Visa has given them my new credit card number which I have not authorized them to do and XXXX XXXX has charged my new card, which I did not use with them for that purchase. I tried contacting XXXX XXXX and got nowhere, I have spent almost the entire day making calls and E mails to no avail. I think Visa should be held accountable for disclosing that information, it sounds to me that they took best buys word for that charge and did not bother consulting myself Your organization needs to look into this kind of dealings, please let me know if I can get this issue resolved. XXXX XXXX XXXX mail : XXXX cell XXXX Thank You Very Much for your time
Product: Credit reporting or other personal consumer reports

I was reported to the credit agencies for a late payment on the XXXX XXXX XXXX card, after repeated requests from XXXX  card to send bills to either my home address, or another ( actually functional ) email address. Their customer service representatives were not fully clear on this policy. Despite the fact that they said they were unable to do either, when the payment was late ( 30 days ), they reported me to all three agencies. Even after I paid off the account in full, they continued reporting me to the agencies, even after a dispute I filed. When I called XXXX they said they 1. did not provide mailed statements, and you had to call in every month to get one, and 2. it was impossible for them to send emailed statements to an account that was not the XXXX  account, even if the XXXX  email address was inaccessible. 
Basically they were deeply unhelpful, and said everything that happened was my own fault, even though the account was paid off in full.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which h ch violate the Customer Financial Protection Act ( CFPA ). specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account needs you be removed off my credit report IMMEDIATELY. You have not done a THROUGH investigation. Loans that were supposed taken out to purchase a new car were proven to be false. XXXX is not licensed in the state of VA or NC to do Consumer Loans, Small Loans or anything with Motor Vehicle Sales. I asked for the credit bureau to verify and validate all data for this account, every notation, dates and balances, whether reported or not this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed immediately!
Product: Mortgage

The end of XX/XX/XXXX I submitted a payment for XXXX to NationStar, they received the check-they had a scanned copy, however they did not apply it to our account. I received the XXXX statement from them and was then made aware of the problem. This went back and forth calling, them not responding and calling, leaving messages until XXXX. I finally spoke with a live person-XXXX on XXXX XXXX. She said she did see the check, but it was not applied to our account, so she was going to investigate and I was to call her back the following Thursday. She said if they did not 'find ' the check we would have to do a stop payment, but would be reimbursed all fees from our bank, because it was their error. Also, she said they would remove all penalties and fees we had added to our account. I was going to make XX/XX/XXXX payment to next day, but she said she would do a check by phone, at NO CHARGE because of the problems we had been having, she said that way we knew starting with XXXX we would be ok. The following Thursday, XXXX XXXX I tried calling her, I left numerous messages as did my husband. No one EVER returned any of our calls. 
On XXXX XXXX I did a stop payment on the check for XXXX. My husband talked with XXXX in Customer Service XXXX XXXX and did a check by phone to clear XXXX. 
However, when I went online to check the account it was still in arrears! 
Since XX/XX/XXXX they are taking the payment, then reversing it back out! 
So, the fees/penalties continue to add up. We have called almost daily and no one will return our calls or do anything to help us. All they say is they will investigate, then send a letter saying we are behind, when are we going to get the account current????
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX a federally protected consumer under the FCRA has recently reviews Equifax my consumer report and I've noticed 25 unauthorized inquires that was not authorize by me the consumer. Pursuant to the FCRA 15 U.S. Code 1681a credit reporting agencies report 100 % accurate and verifiable information. I never authorize the inquiries and this Constitutes a violation of my federally protected consumer rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy under the 4th amendment rights.
Product: Money transfer, virtual currency, or money service

I matched on tinder with this person, and we started talking and exchanging messages and then got XXXX XXXXXXXX. I made the mistake of sending him an explicit photo of me, which he is using to blackmail me. Now he is blackmailing me into sending him more money after I sent him XXXX on XX/XX/year> through Zelle to these numbers XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information has been compromised and I am a victim of Identity Theft. 

There have been accounts that have been opened using my name without my authorization. I have contacted the credit bureaus to fix their mistakes and they are not taking this seriously. 

My attorney is advising me to contact all the creditors and let them know of my position. 

The following accounts need to be removed from my credit report immediately! 

XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$76.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$120.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$91.00} XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX {$93.00} XXXX. XXXX, XXXX
Product: Checking or savings account

I was contacted by a representative ( XXXX XXXX XXXX ) from Bank of America on XX/XX/2023 at XXXX. I confirmed that the number of the caller matched the number on the back of my debit card. I was told that an account was set up in my name and 2 transactions were done on XXXX. One transfer was in the amount of {$1200.00} and the other transaction was for {$1500.00}. Once I confirmed that I did not open up an account online ; nor did I authorize 2 XXXX transactions, the representative then told me that they would flag the account that was opened and the 2 transactions as fraud. I was provided a cancellation number and then the representative said that they would connect me with XXXX so that the transaction could be documented and voided. 

I then spoke with a XXXX customer service representative that identified himself as XXXX XXXX ( identification number XXXX ) who then recited previous XXXX activities with a XXXX XXXX account. I confirmed that those activities were not fraud. By this point I was extremely concerned because the mere fact that the representative had told me with accuracy about previous transactions confirmed in my mind there was a security breach. I was provided codes to reset my XXXX account for both my Bank of America and XXXX XXXX accounts by the XXXX customer service representative. However over the next 24 hours, I watched as my checking accounts were debited of {$4900.00} from my Bank of America account and {$2400.00} in my XXXX XXXX account. After hours of the representative trying to reset my XXXX accounts, nothing changed. I had to terminate the call due to a family emergency. When I called Bank of America back to see if the situation had been resolved I was told that they never contacted me.
Product: Debt collection

I have collections that I didn't do and I know this identity theft one collections is XXXX XXXX the account number is XXXX the second collection is spring oaks capital LLC account number XXXX. The third collections is springoakcap the account number is XXXX