23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX QUOTES RULES AND THIER PURPOSE WHICH I HAVE NO OBLIGATION TO PERFORM, XXXX OPERATES ON A PRESUMPTION, I DONT HAVE ANY CONTRACT WITH THESE DECEPTIVE MISCREANTS, XXXX  COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX  XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF XXXX WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX BISNESS, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO ROUNDY ROUND WHILE THIER XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE MISCREANTS
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, All the mayors credit reporting agencies still have one of my account on derogatory for over 7 years and they dont take it out. I am not able to build or get any type of personal credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$4600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$3200.00} ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.
Product: Debt collection

Over the past week, I have been contacted by two different companies claiming that I owe Check-n-Go money for a past due loan. I was first contacted by XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX, XXXX, and she said that she was offering me a deal to pay back a loan with Check n go for {$500.00} back in XXXX. She said the debt has accrued to {$2100.00}, willing to settle for {$810.00}, then she went down to {$610.00}, then she said if we settle today, then the number is {$500.00}. I did not do anything. Then this morning, I get a call from XXXX XXXX, XXXX, same story about Check-n-go, this time much more threatening and demanding, and the lady was rude, and hung up on me. So, I call Check-n-go corporate office, 3 different times, to ask if they show any records for me taking out a loan and not paying it back? Everytime I had someone check, they don't even have me in their system, so there's no way to see if these callers are accurate with their information. If Check-n-go doesn't even have me in their system, then how could any of this lawsuit be true? It can't be. I asked Check-n-go if I settled a debt would I be in the system, and they said yes absolutley ... they checked my last four numbers of my social security along with my name, and nothing came up for them. Why is this happening to me? If these collection agencies can't deliver me any documentation for this debt, isn't that a red flag? I asked them, and they gave me every excuse in the book as to why they couldn't discuss the " details of this case '' ... I don't want this to effect my credit or have a judgment placed on me, what can I do to stop this and check on them?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit file and I found out that I have a few fraudulent accounts reporting that I never opened up. My full name and current address are XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine : ( 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

To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) by re-reporting a previously deleted account on my credit report without proper notification or certification of accuracy. 

Details of the Violation : Account Information : XXXX XXXX XXXX ( Account # XXXX ) Previous Status : This account was deleted from my credit report, as shown in my Experian credit report ( see attached screenshot ). 
Current Issue : Despite being removed, the account has been reinserted without proper notification to me, as required under FCRA 611 ( a ) ( XXXX ) ( B ). 
Lack of Notification : Per the FCRA, if a previously deleted account is reinserted, the credit bureau must notify me within five business days. I have not received any such notification, which indicates a failure to comply with this requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called multiple times about the way the account is reporting. They are reporting it as a new charge off every month and the balance increases every month also they report every month. If it isna charge off it should be a charge off not a new account every month. This is wrong and has harmed my credit every month they need to remove this account or fix it to where ot reports as charged off when it was charged off not a new charge off every month. 
I callee corporate they said it is the Store that does the reporting XXXX at the store said no it is corporate that does the reporting. Come on this is a pretty large company get it right.
Product: Bank account or service

XXXX XXXX XXXX XXXX. Denied A Fraud Claim Of {$14000.00} From Wells Fargo Bank Who Allowed Money To Be Laundered In The XXXX, XXXX Branch Wants Money Returned. 
On XXXX XXXX, 2016, I, XXXX. XXXX XXXX became a victim to an IRS Scam ( XXXX ), was instructed to pay {$14000.00} ( {$6200.00} Taxes Owed + {$8000.00} IRS Processing Fees ), and to deposit it in IRS Accounts ( Acct : XXXX and XXXX ) at Wells Fargo Bank, in XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX / XXXX ). A XXXX XXXX ( XXXX XXXXXXXXXXXX ) stayed on the phone with me ( inside the bank as well ) until the deposits were completed. 
On XXXX XXXX, 2016, I filed a XXXX Police Department Report ( Incident # XXXX / XXXX ) as instructed by XXXX XXXX ( Asst. Branch Manager of Wells Fargo Bank in XXXX, XXXX XXXX ) to start the IRS Scam investigation. The Branch Manager ( XXXX XXXX XXXX / Wells Fargo Bank in XXXX, XXXX ) told me to come into the bank on XX/XX/2016 to start the Fraud Claim investigation. On XX/XX/2016, XXXX XXXX ( of Wells Fargo Fraud Prevention XXXX XXXX, XXXX ) informed me that she was the fraud XXXX for my case. I called XXXX XXXX weekly to find out the status of the case, and she ignored my calls for more than 30 days. Then I contacted the Branch XXXX again on XXXX for a case status update, XXXX XXXX laughed and said he had about XXXX other fraud cases, but would email / call XXXX XXXX and let me know within two days his findings. XXXX XXXX never called back. XXXX XXXX called me on XX/XX/2016 and said that she had closed the case on XX/XX/2016 ( More than 30 days ago ), refused to give a case number, and said to contact the XXXX XXXX XXXX XXXX for answers. 
On XXXX XXXX, 2016, Wells Fargo Bank 's executive office ( in XXXX XXXX XXXX ) contacted me, gave a new Case Number ( XXXX ), and said XXXX XXXX XXXX would be investigating the case. XXXX XXXX called me, concluded his investigation ( on XX/XX/2016 ) stating that my {$14000.00} would not be returned ( because I walked into the branch and deposited the money into the accounts ), and no letter would be sent to me regarding the findings of the case. 
XXXX XXXX XXXX XXXX. XXXX XXXX wants the case to be settled as follows : Full payment with a Cashier 's Check of his {$14000.00}. 
Letter of with both Case Numbers and investigation findings.
Product: Student loan

About 6 months or 7 months ago i received a called, from A company called GCS Services.Its regarding my student loan.And they said, this is a debt collector, they asked me for my name : And i said, why? what is this is about. They told me, they would help me to get out of Default, after 6 consecutive payments.And i agreed, even set up a payment plan for {$84.00} every 28 monrhts of the month.The last payment was on the XX/XX/XXXX of XX/XX/2017, next payment is the XX/XX/XXXX {$84.00} On XX/XX/2017 US DEPARTMENT OF EDUCATION , sent me debt collection Bill for {$84.00} i decided to contact them regarding my bill.They said, they we n't sure or what i was referring too. And also all the money i was paying GC Services, they are not Aware of anything. I was so devastated by the news. After all of my effort, and hard work to have the Funds on my, account on time. This generate alot of stress and frustration on my behalf.
Product: Mortgage

THIS IS NOT A DUPLICATE I am going through a divorce and trying to refi my current home. While waiting for my divorce agreement, I made my XXXX payment to Caliber Home Loans. After a few days, I had noticed that the funds were not withdrawn from my account as they had always been in the past. I called a few day later only to be told that with the holiday ( XX/XX/XXXX ) and Covid, it could take up to 10 days to get the funds transferred. I was told to call back after that. I did. Worried about the transaction, I went ahead and made ANOTHER payment to my mortgage to make sure that the XXXX payment would NOT be counted against my credit. That 2nd payment was applied to my XXXX payment ( while leaving my XXXX payment still " unpaid ''. ) I then get a notification that my XXXX payment did not go through because I had changed bank accounts ( an old to new ) to take my soon to be ex wife off of the checking account. The bank, XXXX XXXX XXXX, mistakenly did NOT forward the mortgage payment over thus resulting to the " late payment ''. 
I AM INCLUDING THE EVIDENCE ( LETTER FROM MY BANK ) that was sent to Caliber, upon the request of " XXXX '' and " XXXX ''. Both stated that IF my bank ( XXXX XXXX XXXX ) would admit the error, that the blemish would be REMOVED from my credit report. 
I have tried to resolve this NUMEROUS TIMES and I keep getting one person after the other, at Caliber, who basically says, there's nothing they can do. 

I need help ... I did everything correct and I'm still being penalized. 

Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted Experian today XX/XX/year> and was advised that they cant see why my score was lowered and advised that I contact a credit analyst at any bank. I am writing to report unexplained decreases in my FICO score that occurred on [ XX/XX/year> ] ( XXXX XXXX  ) and [ XX/XX/year> ] ( XXXX XXXX  ). These changes occurred without any negative information being added to my credit reports. On the contrary, recent updates, such as XXXX XXXX reporting my loan as Paid, reflect positive financial activity. 

I have thoroughly reviewed my credit reports from Experian, XXXX, and XXXX and found no adverse changes that justify these score reductions. I respectfully request that you investigate this matter to confirm the accuracy of the FICO score calculations and correct any errors that may have occurred.
Product: Credit reporting or other personal consumer reports

THIS WILL BE THE THIRD REQUEST FOR XXXX TO REMOVE THE FOLLOWING UNAUTHORIZED INQUIRIES. THE PREVIOUS ATTEMPTS EXCEEDED 30-DAYS BEFORE RECEIVING A RESPONSE, WHICH VIOLATES MY RIGHTS UNDER FCRA. 

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, credit repair services, or other personal consumer reports

Last Month I file a complaint against Ally - CFPB Number : XXXX XXXX who is the XXXX Customer Relations of Ally Bank stated In Ally Bank response and I quote " We have asked the credit reporting agencies note your account information as being disputed. But on XXXX Ally Bank reported another missed payment. This is deceptive and unfair tactic from Ally Bank! As of right now I am currently in litigation against Ally Bank. Ally Bank shouldn't be reporting nothing until our dispute is settle in court! On XXXX I file for a " Notice of Removal " and mail the copies to their lawyer and Ally Bank the next day " XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing, because I disputed the following information that is fraudulently reporting on my credit bureau to Equifax ONLY. I did not authorize anyone to open an account in my name and respectfully asked for the information being reported by XXXX be removed and blocked immediately. 

According to the FAIR CREDIT REPORTING ACT FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.

1. Block, Except as o
therwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer I have provided all of the above listed four ( 4 ) items to Equifax. Therefore, I expect the listed account to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting that XXXX account public records item, and inquiries be permanently block and deleted.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : - XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$25.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$400.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$70.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$150.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX : {$2300.00} XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I closed all my accounts with bank of america on XX/XX/2019, by visiting the branch near XXXX XXXX, XXXX CA, and requested to settle all the credit cards and to close them, also to close my checking account which had balance at that time. In that visit they called the credit card center and we were informed what are the amounts we need to pay and we agreed to take the existing balance and pay what is left cash. After the settlement, we delivered the bank our debit and credit cards which were destroyed immediately. After leaving that day the bank, I checked my online banking account and found that I can't login use it. So I thought I ended the process of closing our relationship with the bank. 

After 4 months in XX/XX/2019, I received a letter ( attached ) telling me that my account is past due with a payment of {$53.00}, without any details from where this amount appeared, noting that I always received online statements for all my accounts but were stooped after closing the account in XX/XX/2019 until XX/XX/2019 when the collection department requested my approval by phone to change to paper statements to send me the credit card and bank statements I requested to see what was the problem why the card was not closed. Then, I went to the bank by end of XX/XX/2019 to understand the matter and settle it, but the bank didn't provide me with how and why this happened. then I requested my previous bank statements, but I received only the credit card statements without the checking account statements which should show how my checking account and credit cards were settled. The bank didn't do any effort to investigate what happened and didn't provide me with the reason and told me that I paid by cheque the day I closed the account which was returned. This is was not true! When I requested to show me a copy of the cheque they said they can't. But they made me speak with the collection department. I proposed to the collection to pay any amount was on the card until my request to close the credit card without late fees or interests, but they refused, after that I visited the bank trying to close the matter because it was affecting badly my credit score, although I never had any payment default problems before with any party! I dealt with the same bank for 5 years without any issues. On the XXXX of XX/XX/2019, I called the collection department ( the phone that the branch manager gave me ), then the representative told me that she has instructions to help solve this problem, if I paid the original default amount {$520.00} based on the agreement with the representative to pay the card 's balance used until the day I requested to close the account, then she would be able to submit a request to wave the charges and interests and she was confident that this would be approved, then the account could be closed ( This was a recorded call ). But until today I keep receiving harassment calls requesting to pay the interests and late fees or they will keep on-going! What can I do to stop the bank from keep taking my money and destroying my credit score and financial stability!
Product: Credit reporting

Reported date incorrect original disputed with XXXX XXXX for reporting to Trans Union Credit Agency twice XX/XX/XXXX and XX/XX/XXXX. With this reporting I was unable to obtain an apartment due to the two yr rule here in XXXX Texas and asked to pay an extra deposit of {$800.00} for an apartment. This debt was scheduled to be removed off my credit XX/XX/XXXX, then the XX/XX/XXXX date showed up and prolonged it. I do n't feel it 's fair I would like to have this debt removed from my credit.
Product: Credit reporting or other personal consumer reports

I want to inform you of the fraudulent account on my report which are causing me stress and I want to dispute this fraudulent information. I informed the company about this matter, talked to them via phone call and they said they have already removed the accounts from the other bureaus after I submitted the required FTC report I filed. Also both XXXX and XXXX have removed the accounts from their records indicating an inconsistency in your reporting. Im not sure why are the accounts still reporting under your bureau? The presence of this fraudulent account negatively impacts my credit history and could have serious consequences for my financial future. Please have this account DELETED once and for all. 

XXXX XXXXXXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I XXXX  a {$470.00} by Well Fargo bank on XX/XX/2022 to a seller name XXXX XXXX but turn out he never ship or send me the order. And I have tried to contact the bank but they cant do anything about it
Product: Checking or savings account

On Tuesday, XX/XX/XXXX, there were 11 pending charges for {$90.00} ( totaling {$990.00} ) that were charged using one of the debit accounts associated with our Ally Bank checking account. We immediately called the bank and they closed out the debit card associated with those charges. We were then told to wait until the charges had posted to the account. After the charges were posted to the account ( resulting in an overdraft ), we were told to dispute the charges using Ally 's online banking website. We have an automatic transfer of funds set up from a money market account and so we had a transfer of funds out of our money market account to cover the associated overdraft in the checking account. We disputed the 11 charges on Wednesday, XX/XX/XXXX and signed an affidavit that these charges were not legitimate. It was very easy to determine they were not legitimate : The charges had a legitimate company website associated but a bogus # XXXX that was not in service. I called the company and they confirmed that they did not run 11 charges via POS on my husband 's card. It is now Wednesday, XX/XX/XXXX and Ally Bank has indicated that they are still doing their investigation. Ally Bank indicated they would provide conditional credit but they have not and our {$990.00} is out of our money market account- costing us interest earned. In researching, it appears in 2021, Ally Bank had a hack that resulted in the release of their customer 's information so I can only assume that the information for our account was purchased as a result of that hack.