23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

RECEIVABLES MANAGEMENT Damaged me credit reports and added an account doesn't belong to me on XX/XX/XXXX of 2017 for {$770.00}. 

I tried to get hold of them and they threat me they will damage my score more if I don't pay them something I'm not aware of it. 

Please help me to remove this account and make them stop threatening to damage my credit. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX of XXXX, I have been sending letters to XXXX XXXX and Equifax to let them know that I'm a victim of identity theft and I've noticed fraudulent accounts on my credit report. XXXX  is the only credit bureau that actually deleted the fraudulent account with XXXX XXXX XXXX XXXX for my credit report but it still remains on my experience and Equifax credit report so now I'm filing this complaint against Equifax and XXXX  so they can remove this fraudulent account on my credit report with XXXX XXXX XXXX XXXX.
Product: Debt collection

One Main has violated 15 USC 1692 by continuing collection after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
Product: Debt collection

I had an account with Dell XXXX that I opened up sometime in XXXX. Never had an issue and my payments was always on time. Comenity bank took over all Dell XXXX accounts back in XX/XX/2023. This bank never sent out letters nor did Dell XXXX about Comenity bank taking over all Dell accounts. I started to get phone calls towards the end of XXXX from Comenity bank about delinquent payments on my account on which I was puzzled because I've never had an account with Comenity bank. So, I asked why I was not informed of the switch ( from Dell to Comenity ) and the agent for Comenity bank said that I wasn't the only person to have this issue. I shrugged it off and made my payment and ask the Comenity bank employee about the late fees and if I was able to set up automatic payments through him and he said yes but its only good for 3 months that I would have to go online and set up my account and I would be able to do it online. After setting up the automatic payments with the Comenity bank employee, I started to get phone calls at the beginning of XXXX saying that I have a past due balance. I talked to the supervisor wondering why I had an overdue balance since I set up automatic payments around the last week of XXXX. The supervisor told me that the employee only set the payments to take out 60 ( which was not enough for the monthly payments ) instead of the minimum payment per month for three months. I've lost about 100 points on my credit through XXXX ever since they took over Dell XXXX accounts. I would like to think I've done my fair share on trying to make right with this bank back in XXXX with the account I have but at the end, all they've done is harass called me on blocked robot callers until I told them to stop. This bank is the definition of Malpractice when it comes to dealing with their employees. After reading stories about this bank from other people that have posted online and to me all it seems like is that this is common practice with this bank. Late fees and damaging your credit seem like a practice at Comenity bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

PUBLIC RECORDS HAS XXXX ITEMS, XXXX YRS IS HERE AND SHOULD BE REMOVED FROM EQUIFAX CREDIT REPORT Reported on XX/XX/XXXXDischarged XXXX SECONDLY,, XXXX XXXX Account Info ERRONEOUS INFO, NO ONE WILL LET ME KNOW WHAT THIS IS.. 
Reported onXX/XX/XXXX BALANCE {$520.00} XXXX Date Filed Reported onXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.
Product: Checking or savings account

First Horizon Bank in XXXX Tennessee confiscated over {$1.00} XXXX of our XXXX XXXX XXXX  ( XXXX ) funds without communication. ( XXXX is a XXXX XXXX XXXX XXXX serving XXXX Tennessee since XX/XX/XXXX). Months later we learned that XXXX XXXX  falsely claimed our XXXX XXXX XXXX XXXX  had not used PPP funds properly. After we proved that we used the PPP funds correctly, XXXX XXXX  has failed to put our money back into the account and closed the account. 

This amounts to bank fraud and negligence and has caused our XXXX XXXX to close while 36 employees and workers to lose their jobs all during the Covid pandemic. XXXX operates 4 locations XXXX XXXX XXXX XXXX XXXX. This illegal action by First Horizon Bank has caused a delay in XXXX XXXX to 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This action by the XXXX XXXX  has caused irreputable financial damage to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  failed the " know your customer rule '' and never looked in the other XXXX bank account " operating account '' where most of the activity occurred and where the payroll was made.
Product: Checking or savings account

XX/XX/XXXX : Opened a US Bank XXXX Checking account with a {$250.00} deposit using promo code XXXX from the link attached to the below advertisement ** Open your checking account online through this page, in a branch or over the phone by XXXX with an opening deposit of {$25.00}. Then within 90 days of account opening, enroll in the U.S.Bank Mobile App or online banking and make at least two direct deposits. 
Earn {$300.00} when the combined total of your direct deposits is between {$5000.00} and {$9900.00}. 
Earn {$500.00} when the combined total of your direct deposits is {$10000.00} or more. 
** XX/XX/XXXX : Called US Bank support to confirm the above promotion was attached to my account and that I was eligible. 

XX/XX/XXXX : Received first direct deposit totaling {$5000.00} XX/XX/XXXX : Received second direct deposit totaling {$5000.00} XX/XX/XXXX : Called US Bank at XXXX ( XXXX ) XXXX to check on the status of my bonus and was told that since I did meet the requirements a request to post my bonus would be sent and that it should appear in my account within 3-5 business days. 

XXXX XXXX, XXXX : Called US Bank back since the bonus had not posted and I was told that I was ineligible because I had an open checking account with US Bank before. After mentioning that Id never gotten a US bank promotion or ever had an account I was told that they did open two for me back in 2022 that made me ineligible even though I could never access these alleged accounts. 

I attempted to open a checking account with US Bank for the first time in XX/XX/XXXX. However, I encountered issues during the process. Despite receiving requests to fund an account, I couldn't proceed as the funding page consistently resulted in errors, prompting me to call customer support. 

Upon contacting customer support, I was informed that my application was on hold pending an address verification. I complied with their request to fax a picture of my ID, but after a week of no response, I followed up. I was then told that my application was under review. When I asked to simply create a login since I was being prompted to set up funding information, I was informed that I had to wait as there was nothing to attach a login to. 

Now, more than a year later, after meeting the requirements and being assured of my eligibility, I'm being informed that I don't qualify due to having two accounts in the past. This information would have been crucial to know before being told I qualified and before meeting the requirements. As evidence that I never had an active US Bank checking account, I'm attaching two emails from 2022 stating that my account could not be opened.
Product: Credit reporting or other personal consumer reports

I am writing to report an identity theft incident and request assistance in addressing fraudulent accounts that have been wrongly added to my credit report. I recently discovered that my personal information has been compromised and used without my authorization to open credit accounts. I am taking immediate action to rectify this situation and request your help in resolving these issues. 
Below are the details of the fraudulent accounts : XXXX XXXX XXXXXXXX, Bankruptcy XXXX  XXXXdischarged Reference XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I ', really tired and sick with these XXXX. Should be there be any updates on my inquires, I " gon na go to court. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Bank account or service

I have called Wells Fargo 3 times about closing a secured Visa card that I had with them for {$500.00} for about 2 years. 
I called in XXXX, XXXX, and XXXX. 
They refused to close this account, by their actions the account remained opened until I called in XXXX XXXX, 2016 and spoke with a Supervisor, XXXX XXXX. 
He told me that He would close the account but I needed to pay {$39.00} to balance the collateral amount to {$500.00} and that that I owed XXXX, which he took over the phone and he said your money will be back in your account immediately. 
XXXX XXXX, my checking account was debited for {$450.00}. 
Today XXXX XXXX, 2016, I called again concerning the amount that was suppoe to be credited to my checking account. I spoke with XXXX, supposing to be a Supervisor, and asked him when will my money arrive in my account. He told me another XXXX to XXXX Well, it should have been in my account by now, but Wells Fargo, refuse to close my secured card and now I have to wait another 45-60 days. This is not right. And I will be moving my accounts as soon as I can.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report and noticing that it has been past XXXX years since this account has been opened and it still reflects late payments that are inaccurate, I am requesting removal of this account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

I am contacting you because Equifax claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. 
However, these accounts is STILL inaccurate and their companies is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my accounts was property investigation but how is that possible if the credit bureaus are reporting different information.

Us Dept of Ed/account number XXXX Amount {$3900.00} Date opened is inaccurate, High balance is inaccurate, last verified date is inaccurate, the closed date is false, and date of last activity is not accurate. This account is also XXXX years old. That is past the status of limitation. 

Us Dept of Ed/ account number XXXX Amount {$3500.00} Last verified date is not accurate, date of late activity is incorrect, date reported is not correct, and the closed date is false. Also, this account is XXXX years old. That is past the status of limitation. 

Us Dept of Ed/account number XXXX Amount {$7100.00} This account is XXXX years old. That is past the statue of limitation. 

Us Dept of Ed/account number XXXX Amount {$5500.00} This account is XXXX years old. That is past the statue of limitation. 

XXXX XXXX XXXXaccount number XXXX Amount {$480.00} Last verified date is not accurate, date of last activity is inaccurate, date reported is not correct, the closed date is falsified, and high balance is missing. 

XXXX XXXX XXXX account number XXXX Amount {$960.00} Last verified date is inaccurate, date of last activity is incorrect, closed date is false, date reported is invalid, and high balance is missing. 

XXXX XXXX XXXX account XXXX Date of last activity is inaccurate, the close date is false, and date last verified is missing. 

I have provided XXXX XXXX XXXX credit report along with Equifax credit report to prove my case.
Product: Mortgage

Asking for documentation at separate times taking a long time to process real problems with the underwriter not requesting documents in a timely fashion then once present documents then asking for more documents was taking more time in order to get processed I really believe this is really unnecessary and like to have some answers while all the paperwork was not asked for at one time in order to make this a smooth transition
Product: Mortgage

The mortgage company is Sierra Pacific. The servicing company is XXXX. 

XX/XX/2023... monthly mortgage payment increase from {$930.00} to {$960.00}. 

XX/XX/2023... I was able to reach customer service at XXXX who blamed the increase on my insurance company. Contacted XXXX XXXX insurance company and together determined the insurance rate increase only accounted for {$43.00} yearly. ( {$3.00} mo ) I then contacted XXXX XXXX rep XXXX XXXX who provided me with escrow analysis. It showed a " shortage adjustment '' of {$660.00}! XXXX put me in touch with another XXXX rep who explained that this charge was due to the escrow being paid in a different month than before. His solution to return my mortgage payment to where it was before was either pay the additional XXXX, or just wait 2 years and it will be paid. Unacceptable. I did my part paying the mortgage on time every month, someone over there made the error. What is to prevent another " shortage adjustment '' later on? 

XX/XX/XXXX ... Contacted XXXX XXXX at Sierra Pacific expressing my dissatisfaction. He emailed back saying that XXXX would have someone else contact me. More waiting. 

XX/XX/XXXX... No contact from XXXX, emailed XXXX XXXX again. 
XX/XX/XXXX ... No XXXX agent has contacted me to date. No follow up from Sierra Pacific.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity bank is reporting a wrong last name linked to my social security. I tried to resolve through their website to no avail. I called and the operator refused to allow me to talk to a manager.
Product: Debt collection

The company identifies themselves as XXXXXXXX XXXX XXXX  They made claims that I will be served through my county sheriffs office a letter to be taken to court. They have harassed me and my family for a year ( possibly more ). The debt was paid off in a bankruptcy over 10 years ago. It is not listed in my credit report. There are multiple people that have called and left messages. I asked for a letter, preferably certified that can show me any information relating to their accusations. I have received nothing. When asked to identify themselves, they tell me things like Im the one that is free of debt, thats my name, just rude and harassing. I receive text messages on a consistent basis to call them, when I do, I always have the same conversation that ends in them degrading me and my family. I am an XXXX XXXX service member in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sychrony Financial has placed an unauthorized hard inquiry on my XXXX Credit Report. The inquiry was placed on XX/XX/2020. I didn't authorize this inquiry. I previously complained regarding this matter and they claimed they couldn't locate the inquiry so I emailed them the screenshot of their hard inquiry on my XXXX Credit Report as a response to their email from the office of the president. They still have yet to respond or remove the inquiry although a screenshot of the inquiry has been provided to them.
Product: Credit reporting

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Transunion listed on file of the accounts : XXXX # XXXX XXXX # XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several DEPTOF XXXX accounts that are reporting inaccurate information. They are reporting 90 and 120 days. On-time XX/XX/XXXX, 90 days late XX/XX/XXXX and 120 days late XX/XX/XXXX. There are 30 or 31 days in a month. I sent to proof and instead of correcting the error or deleting the account. 

Thy continue to update now 120 days late is reporting XX/XX/XXXX when the account was closed/transferred XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX around XXXX an individual with my card info was used at a location in XXXX, GA at a Bank Of America ATM. That same individual went back to the ATM to disburse more money out of my account at XXXX. My account was wiped cleaned and that individual took XXXX out of my account. I did not see the notifications on my phone that unusual activity was taking place until that morning. As soon as I saw that my money was taken I called Bank of America to report fraud. My card was in my possession at the time and I was at my residence in XXXX XXXX, TN. I did not authorize any of those transactions and I certainly was not the person taking the money out of the ATM. I did not authorize any of this and I told the person whom I was speaking to all of this. During the process of the claims I found out that the first person filed my claim incorrectly and said that the lady went back the next day in the afternoon to get more money out. Bank of America denied my claim. I appealed the claim and sent in all of this documentation of where I was at the time that it happened and that it was not me in XXXX, XXXX Bank of America once again denied my claim and said I authorized it. I have appealed the decision again. I have no idea why this is happening and why I am not able to get my XXXX back. If you look back of my history at Bank Of America since 2007 I have never gotten that much money out of my account and I only pay bills with this is account. I never carry cash with me and why in the world would I need that much in cash at midnight???? I am now going to file a police report and have the police pull the surveillance cameras and I'm looking into getting an attorney as well. I did not drive to GA for a day to get that much money out of an ATM when I live in Tennessee. I did not authorize any of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute with XXXX about 5 XXXX XXXX XXXX   accounts that are showing on my report. The amounts of the 5 accounts are {$2200.00}, {$3500.00}, {$3700.00}, {$4500.00} and {$5100.00}. I requested for them to send me a signed contract ( proof ) of these and was only told they have been verified but nothing was sent to me in my file to show me a signed contract. On XX/XX/XXXX I submitted another dispute with XXXX about 5 XXXX XXXX. XXXX    XXXX accounts that are also showing on my report. These amounts are {$4500.00}, {$3500.00}, {$5800.00}, {$7500.00} and {$3600.00}. I requested the same for these accounts, a signed contract ( proof ) and was told the same, they have been verified but NO proof was sent to me in my file. All 10 of  my disputes were updated on XX/XX/XXXX. These also show on my XXXX and Equifax report as well.
Product: Credit reporting or other personal consumer reports

I was automobile shopping in XXXX of XXXX  and I was under the understanding that I could have credit pulled and it would only have XXXX  inquiry within a 15-45 day spand, i was hit with about XXXX inquiries from one car lot and I believe these should be removed from my credit report. 
From XX/XX/year> to XX/XX/year> I went to XXXX dealership and had XXXX inquires, all for auto finance
Product: Debt collection

National Credit Systems XXXX XXXX XXXX XXXX GA XXXX Account XXXX submitted a false and frivilous account based on misleading information from Creditor -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I terminated application process with apartment mgr XX/XX/2018. I never signed actual leasing papers and never submitted a deposit because XXXX who was acting on behalf of the properly verbally terminated the application process. At that time, she instructed me that the process was complete and nothing else was required on my part. I have several voice mails from her indicating all of the above actions. To add I never had keys nor did I ever take physical possession of any units because XXXX was acting on behalf of the leasing agent and again terminated all associated actions. I have reached out to XXXX XXXX XXXX  and phonetically and thru certified mail and they have purposely refused to communicate with me. However, National Credit Systems have and they are aware that they made have been misled when they assummed the account as there never should have been an account from the start.