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

I HAVE A FEW ACCOUNTS ON MY CREDIT REPORT THAT I DON'T RECOGNIZE. SOMEONE STOLE MY IDENTITY AND OPENED SOME ACCOUNTS. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Syncb Amazon XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. If you can please look into this and delete these immediately. Thanks
Product: Debt collection

They call several times a day ( 3-6 ). When I answer, I hear music and I hang up. On the one occasion I spoke with someone, I asked for the address and account number so I could set up a monthly payment with my bank. They told me they could n't give me an account number until debt was paid off. I told them I refuse to give my banking information but would be more than happy to set up payments via my bank. They insisted they only accept debit or credit card information. I thanked them for their time and hung up.They continue to call several times a day. They left a message 1 time with a different number to call. I Googled the company and neither number I have for them matches the ones on their website.
Product: Credit reporting or other personal consumer reports

My credit report is not reflecting the same information. The XXXX XXXX auto account is showing that the last payment update was on XX/XX/XXXX on Experian and XXXX XXXX is showing XX/XX/XXXX, and XXXX doesn't have a XXXX  auto account showing at all. This issue is hindering me from proceeding in future consumer credit transactions and i will love help to resolve this matter as soon as possible. If possible i would like this account removed due to inaccuracy through my credit report ( FairCreditReportingAct ). Thank you.
Product: Money transfer, virtual currency, or money service

I attempted to cash a check through PayPal and I took a picture of the front and the back. They then approved the check and then I wrote void across the check as I normally do. I then submitted the check with void wrote across it and was then told they would not cash the check. I now have a check with void wrote across it. I made XXXX different calls to them and was told to wait XXXX minutes the first time, XXXX the second and my account was still locked. I then called the XXXX time to be hung up on and the XXXX call I was told there was nothing they could do.
Product: Vehicle loan or lease

My car was repossessed back in XXXX. I had to pay {$2100.00} to get it back. I was told that some of the past due would be put at the end of the loan. Its still showing {$1200.00} past due. CarMax didnt keep the promise that was made to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I am filing this complaint to inform your agency that I am a victim of ID Theft. I have tried to fix the issues several times with each company and there is still fraudulent addresses showing on my report. My name is XXXX XXXX XXXX please delete any other name other than what I listed. Please delete the following addresses : XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX 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 XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Please remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. I am complaining under FCRA 15U.S.C. 1681 ( 8.17.3 NOTICE OF ADDRESS DISCREAPANCY )
Product: Credit card

I had closed my account ( Barlcay XXXX  ) some months ago. I set up autopayments for I think the XXXX  of the month. The payments were done on a regular basis until XXXX, XXXX. They were stopped. I did not find out until I was informed by email that I was behind. I have tried on multiple occasions to find out. I have tried to sign into my account which I could do until XXXX, XXXX. I am now told that the payment plan only runs for 12 months. I was told recently that when I closed the account I could sign in for only 6 months. I was never told this. I am one payment behind. Two payments are due tomorrow. I have not seen what is happening on the account since XXXX, XXXX. I have made multiple attempts to sign in or working with customer service to find out what is happening with my account. I was told that I would receive a statement via mail last week. I have not received it. I was told today if I do not make at least one month 's payment tomorrow that the account will be in default. The woman 's ID is XXXX. I told her that I will make a payment for one month tomorrow. I was told that the account will not enter default if I do. XXXX Bank has been very deceptive.
Product: Debt collection

Received a letter stating that I owed a parking ticket from an XXXX XXXX XXXX. Gave an account number of XXXX ( nice LONG number! ) Said that it was owed on XX/XX/23 ; doesn't say where this is located ; no tag number or description of the automobile. I am assuming this was in Texas which is a state that I have NEVER been to. I am assuming this is a scam to get my information. This needs to be reported. This is the second time I have been sent a letter stating I owe a parking violation from a place I have NEVER been.
Product: Credit reporting or other personal consumer reports

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

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: Money transfer, virtual currency, or money service

The problem is Bremer Bank blocked my access to online banking for nearly a year because I use a VPN as personal XXXX XXXX. Every time I tried to log into online banking the website would tell me I had entered the wrong password, a lie. This would require I call the bank have them unlock my account, which was automatically locked when their trackers couldn't see my IP address, to get a temporary password and get the balance for the account in order to reset the password and access online banking. Once in the website times out and I have to go through the whole routine again. here 's the main issue, Bremer bank refused to admit they were causing the issue because they were blocking me from logging in. They never once mentioned it was because they block customers using VPN from accessing online banking
and insisted XXXX  times the problem was I had entered the wrong password although I told them I had cut and pasted the password from the last time I was forced to reset it, they'd just parrot I had entered the wrong password. 

In addition they absolutely refused to contact their IT people about it. I assume that was because they knew exactly what was happening and were refusing to tell me. Eventually they decided to close my account because I was a problem customer. They caused nearly a year of grief and much more when they closed the account rather than admit they were penalizing me for having personal security, destroying my only means of banking. 

Bremer Bank is guilty of withholding critical information from a customer, deliberately lying and trying to blame the customer for a situation they created, Also repeatedly insulting me by insisting the problem was caused because I was too XXXX  to be capable of typing a correct password a hundred times. This is the worst customer experience I have ever had dealing with any business in my XXXX XXXX. I finally discovered what was really happening doing online research after they closed my account and threw my finances into chaos I have yet to recover from. Had they simply told me the truth I could have turned the VPN off when accessing online banking, but they lied deliberately making things difficult for many months for a XXXXXXXX XXXX, long-time customer. 
My account number was XXXX.
Product: Checking or savings account

The events happened on XX/XX/XXXX and XX/XX/XXXX. At that time I had four separate. accounts with the XXXX XXXX XXXX Branch of SunTrust Bank. Sometime on or before! XX/XX/XXXX at  least three of my accounts were accessed and plundered by an outside entity, and money was moved between those accounts in the amount of {$2000.00} to help perpetrate a Scam. When I contacted SunTrust Fraud Department they promised to look into the matter and report back. My main contatct at Suntrust was XXXX XXXX XXXX, Senior Fraud Investigator. XXXX XXXX spoke with me personally, but subsequent attempts to speak with him were blocked by his staff. I waited patiently for some resolution until XX/XX/XXXX when I wrote to XXXX XXXX complaining of lack of progress or contact. Soon after that I was contacted by one of his staff who said that the Bank could accept no responsibility for not protecting my accounts and blamed the incident on the earlier XXXX hack.!! 
I find that response to be totally unacceptable, and surprisingly irresponsible for an institution based upon the premise of safe keeping of its ' clients money. I also find that the only contact I had with the the bank on this unfortunate matter was entirely verbal with not even an e-mail from the Bank. 
To me the issue is quite clear - the Bank failed in their frequently pledged basic task of keeping my money safe. My accounts were plundered, irrespective to what happened to the money, and as such they should be held responsible, and repay me the funds that were lost as a result of unlawful access to my accounts by an outside party.
Product: Debt collection

I got a phone call from Bull City Financial. I answered the call, and the man proceeded to tell me that I owed them {$1000.00} and how I would pay it. Well, I told him that already disputed this bill, because I have financial sid with XXXX at 100 %. I was told that my bill was forgiven. I sent them the corresponding notice that I received from the company that filed on my behalf. ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The man I spoke to was so rude, he began talking to me, and I told him that I wasn't going to pay it because I could not afford, It began to yell and say, '' Are you refusing to pay '', and at that point, It got confusing and stressful because we were just going back and forth, it was horrible experience of harassment to the highest degree. Can the debt collectors treat you this way? I was so shocked, I said, goodbye and hung up on him.
Product: Mortgage

I 've made several attempts to reach XXXX XXXX at Wells Fargo who was assigned to assist me in getting assistance to modify my loan. These calls began on XXXX 2017. After becoming frustrated I was finally transferred to a supervisor XXXX XXXX XXXX. At that time I was only 6 payments behind. XXXX XXXX then advised me that Wells Fargo had filed a notice of default on my home. I mentioned to XXXX XXXX I need help with a modification and I asked for a reinstatement quote. On XXXX XXXX, I had notice of sale posted on my home. No one from Wells Fargo has tried to assist me in bringing my payments current.
Product: Mortgage

An assignment of deed of trust was filed in XXXX County land records office in XXXX XXXX. The document was signed by XXXX XXXX as Assistant Secretary of XXXX XXXX XXXX, formally known as Option One Mortgage Corporation. Since XX/XX/XXXX, we have been asking American Home Mortgage Servicing XXXX Inc, now known as Homeward Residential, to provide evidence that XXXX XXXX XXXX, NA as trustee for Option One Mortgage Loan Trust XXXX was the owner of the note. Each time they sent us a copy of the note, it never included an allonge. But in XXXX, AHMSI presented an allonge that was blank and a later allonge that was stamped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with transunion, experian and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my account for not reporting paid in full months afterwards. It was then deleted off of my records and my name was removed from the joint account that was removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry for a company called Barclays on XX/XX/2022 that was not made by me. I have no idea who or what that company is.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I'VE CALLED JPMCB SEVERAL TIMES AND TALKED TO THE FRAUD TEAM AND TOLD THEM I HAVE TWO ACCOUNTS ON MY CREDIT FILE THATS NOT MINE AND ITS FRAUD. THEY VERIFIED I WASN'T MINE AND THEY STATED THEY WOULD REMOVE THE ACCOUNTS FROM ALL THREE CREDIT REPORTING COMPANIES. THEN I DISPUTED THE ACCOUNTS AND NO RESPONSE SO NOW IM FILING A COMPLAINT WITH THE CFPB LIKE XXXX  TOLD ME TO DO.
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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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 XX/XX/XXXX XXXXXXXX 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 XX/XX/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: Checking or savings account

Hello Chime Bank closed my account didnt give me a reason or anything. I found out my account was closed when I was at XXXX XX/XX/XXXX. My card was declined and I have XXXX dollars in my account. So I went home tried to log in my account and couldn't said account is closed. Ao I called the customer care number couldn't get through. So Monday XX/XX/XXXX I called again finally got an agent I told him my issue he looked up my account and he said I dont know y ur account is closed he asked me to hold on which I did. Then he got back on the phone and said his computer is not loading he wanted to look further into my problem. So he put me on hold again for about XXXX mins came back to the phone and said hold on again then phone hung up. So I called back got another agent told them my situation again his name was XXXX he said he dont know why my account is closed. I said I need answers and my XXXX dollars. I then told him I needed to speak to a supervisor he said hold on and transferred me back to main menu. Since then I haven t had an option to talk to a live agent says go through email. Im not getting anything done thru email either I need help with this issue I need my money thats it. They are also partnered with XXXX XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To Whom It May Concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

( Incorrect Addresses ) There should only be XXXX address listed on my report, which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 


Once you have deleted the inaccurate addresses from my credit report, please send me a copy of my updated report. 

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

I am writing to formally report the non-compliance of the credit bureaus in addressing my repeated requests for the removal of inquiries from my credit report. Despite multiple attempts to contact them and provide the necessary documentation, I have not received any response or action from their end. 
The lack of response and action is concerning and adversely affects my credit standing. I urge the Consumer Finance Agency to take immediate action to ensure that the credit bureaus comply with their obligations under the Fair Credit Reporting Act ( FCRA ) and promptly address and rectify the inaccuracies in my credit report.
Product: Debt collection

Regions Bank took money out of my savings account to cover an overdraft fee which my daughter incurred. The company stated because I am listed on her account that they can go into my account and take any fees due if she does not pay for them. I am not happy because I was made aware of this after the fact of Regions Collection going into my savings account and taking money out without my authorization. I feel like a victim of Identity Theft. This is a policy that should be changed. No one including Regions Bank should go into my accounts and take money out without MY AUTHORIZATION,
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid several credit cards before it went into collections. Also the ending amount was inaccurate. I have told all credit agencies to update or remove from my credit report. I would need validation, not the same comment this is true from the company. They never reach out to the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ).

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft. 

XXXX XXXX XXXX XXXX Credit Account : XXXX Reason : Identity Theft This account has been previously been disputed and you did not deleted required under FCRA XXXX 


THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above. 


Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : - Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX XXXX XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent method of verification for all accounts listed and the bureaus have yet to send any documentation verifying any of the accounts listed. It has now been over 30days. My intial letter was XX/XX/2021. 
This is not following FCRA guidelines. After 30 days of investigation all accounts should be removed immediately. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Debt collection

I called and negotiated over several months to pay the Balance in full. The original loan amount was with XXXX XXXX XXXX in the amount of {$2000.00}. I was XXXX and have been struggling the last couple of years and through Covid to get my finances in order. We mutually agreed on {$1800.00} as payment in full. I asked for confirmation of the agreement before I made the payment and they advised me that they did not have a way to send me a confirmation of the agreement but that I would recieve a reciept stating a XXXX bal due and that payment had been received for payment in full. I recieved a Receipt in the mail dated for XX/XX/2020 with a remaining balance of {$1300.00}. It did not have the amount of my payment listed. 

The letter said : For : XXXX XXXX XXXX Bal XXXX Agency Accnt # : XXXX Creditor Accnt # XXXX Thank you for your payment. You will find your current balance above. 

This company said that if I made the payment of {$1800.00} I would be released from any further liability of the debt and that collection efforts would stop and my credit report would be updated accordingly to reflect the debt was settled for less than the amount owed. This company did not live up to their end of the bargain. They committed Fraud to entice me to make a large payment that took up all of my accumulated savings to settle this account.
Product: Debt collection

Ive paid my past due XXXX XXXX bill in full after agreeing to a for deletion with the collection agency RPM. Ive tried countless time for someone from their company to rectify this matter but no one will hear me out. They purchased this debt in XX/XX/2014 from XXXX XXXX.