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

I HAVE DISPUTED THIS ACCOUNT WITH EXPERIAN OVER 15 TIMES AND THEY KEEP BLOCKING THE ACCOUNT DUE TO THE POLICE REPORTS I HAVE ON FILE. EXPERIAN KEEPS ALLOWING XXXX XXXX XXXX TO UNBLOCK IT AND REPORT THE FRAUD ACCOUNT BACK ON MY TRADE LINE WITH EXPERIAN. THE ADDRESS OF XXXX XXXX XXXX XXXX NC XXXX IS A FRAUD ADDRESS AND THEY POLICE REPORT I SHOW TO EXPERIAN SHOWS I WASN'T EVEN IN THE COUNTRY WHEN THE ACCOUNT WAS OPENED. THEN A SUPERVISOR FROM EXPERIAN STATED I XXXX XXXX SUBMITTED A DISPUTED BACK IN XXXX OF 2019 MINUTES AFTER THE XXXX XXXX INQUIRE CAME THROUGH IT WAS FRAUD AND EXPERIAN SENT THE FRAUD INQUIRE DISPUTE BACK TO XX/XX/XXXX TO HAVE IT REMOVE. XXXX REMOVED THE FRAUD INQUIRE AND PLACED A FRAUD ALERT ON MY CREDIT FILE. 
EXPERIAN HAS ALL THIS KNOWLEDGE CONCERNING THIS FRAUD ACCOUNT AND EVEN HAS HISTORY BACK TO XX/XX/scrub> 2019 WERE I DISPUTED THE FRAUD INQUIRE FROM XXXX AND XXXX XXXX AND STILL ALLOWS XXXX TO PLACE THE FRAUD ACCOUNT AND ADDRESS BACK ON MY CREDIT FILE OR TRADE LINE. 
XXXX AND XXXX BOTH HAVE BLOCKED THE ACCOUNT AND HAS TOLDXX/XX/XXXXTHEY HAVE LOST FULL CONTROL OVER THIS TRADE LINE DUE TO CREDIT REPRORTING ABUSE. I DON'T UNDERSTAND WHY EXPERIAN DOES'NT DO THAT. ALLXX/XX/XXXXDOES IS SAY LOOK YOU SIGNIED THE CONTRACTS IN GA IN RESPONSE, I HAVE FILLED CLASS A LAWSUIT AGAINST XXXX AND LADY IN THE I.D . DEPARTMENT NAMED XXXX CONCERNING ABUSE AND TRADE LINE FRAUD AND I WILL ADD EXPERIAN TO THE CLASS ACTION IF THEY DON'T STOP THIS ABUSE ONCE AND FOR ALL. THEY HAVE ALL THE PROOF FROM FTC IDENTITY THEFT REPORTS AND POLICE REPORTS AND HOMELAND PASSPORT THROUGH XXXX XXXX I WASN'T EVEN IN THE U.S.A. WHEN THIS ALL TOOK PLACE, FRAUD INQUIRE DISPUTE TO XXXX AND XXXX XXXX AND STILL EXPERIAN ALLOWS THEM TO PLACE A FRAUD ACCOUNT BACK ON MY CREDIT FILE WITH EXPERIAN. I WANT THIS PROBLEM HANDLE ASAP OR LEGAL ACTIONS WILL TAKE PLACE. I HAD A MEETING WITH A FIELD AGENT WITH FTC AND CFPB LAST WEEK AND THEY WANT ME AND ARE TELLING ME TO FILE LAWSUIT NOW AGAINT EXPERIAN FOR HAVING KNOWLEDGE THAT WAS REPORTING A FRAUD ACCOUNT ON YOUR TRADE LINE. FIX IT NOW, THE LADY XXXX IS MY EX WIFE AUNT AND SHE IS THE ONE ASKING FOR IT TO BE UNBLOCKED AND CHANGING THE ACCOUNT NUMBERS AND AMOUNTS AND ADDRESS TO HURT ME SO SHES BEENING SUED NOW NEXT TO XXXX. EXPERIAN YOU HAVE KNOWLEDGE FROM DAY ONE OF THE INQUIRE TO SET THIS ACCOUNT UP ITS FRAUD. I HAVE DONE EVERYTHING RIGHT AND EXPERIAN IS ALLOWING XX/XX/XXXX TO DO FINANCIAL RUINS ON ME, I JUST LOST {$480000.00} IS DEPOSIT FOR MY HOUSE BECAUSE NOW I DO NOT QUALIFY BECAUSE OF THE FRAUD TRADE. NOW SOMEONE IS GOING TO PAY ME BACK. IVE DONE EVERYTHING RIGHT FROM DAY ONE BUT EXPERIAN HASNT. ITS A SHAME I CAN SAY XXXX FIXED THE PROBLEM ASAP AND EXPERIAN HASN'T AND IS ALLOWING FMCC TO ABUSE SOMEONE UNDER THERE NAME. REMOVE AND BLOCK FMCC PERMANENTLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought the new car XXXX XXXX XXXX at Toyota Motor Credit Corpcompany, phone number XXXXand apply apply financial auto car loan on this company at XX/XX/XXXX. The total auto car loan l borrow around $ XXXX plus. And l pay the down payment $ XXXX or $ 3k.l need pay {$360.00} each months in totally 60 months. The first payment l pay is on XX/XX/XXXX. When l continue pay to nine months payment, l have my financial problem. l can't continue to pay the car loan. The financial loan company taken away the car and sales the car. After that they need me pay the balances around $ XXXX. l can't understand why the need me to pay the balance l not long owne the car? l try communication to the financial company, but problem not solve. They report me to credit report bureau. This report is fault.
Product: Debt collection

Earlier in the year I had made a verbal request to the company ( Hunter Warfield ) to cease calling me. On XX/XX/2021 the company called me twice back to back ( from phone number XXXX ). Once at XXXX and then again at XXXX XXXX  eastern time zone. I called the company back at XXXX and requested that they stopped calling me. A male answered the phone and proceeded to ask me questions. I advised the representative that I just wanted them to stop calling my phone number and the representative rudely disconnected the call without honoring my request. On XX/XX/2021 at XXXX eastern, I received another phone call.
Product: Credit reporting or other personal consumer reports

I disputed this collection in XXXX via the CFPB portal and it was marked as verified, and yet despite my efforts this account is showing Account not Disputed. In the remarks, it shows dispute resolved My efforts have not been taken serious and I am demanding this account be removed. Transunion has failed to update to reflect their so called investigation and did not conduct a fair an accurate investigation. 

This is a major violation that I will be reporting to the FTC if this is not removed. I have been disputing this since XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the 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 is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

They refuse money orders, harass me daily via phone you to open a checking account, and refuse to mail statements showing money is going towards account. 
I was contacted about three accounts I have with Portfolio, I made arrangements to send {$50.00} per month towards the accounts via money order and sent it in the mail and now I 'm told that apparently money orders are n't good enough and I must open a checking account. I do not have a checking account and I will never get one because I do not need one and I know they will just automatically take money out without authorization and overdraw any accounts, you would think they would n't care how you get the money and just be happy to get it at all. 
I also asked was for a paper bill, so I can verify that this is not a scam company and see the balance going down, but I 'm being told that I ca n't get a paper statement unless I open a checking account. I absolutely will not open a checking account and now since my money orders are n't good enough, I guess they prefer to just get nothing then? 
They are committing fraud by taking my {$50.00} and not providing me any statement that it went towards anything or to verify who they are.
Product: Debt collection

I have a medical bill that was supposed to be paid by the VA from 4 years ago. I received two threatening phone calls within 1 minute from Profit Services Group ( XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ). I explained to the extremely rude woman that the VA was supposed to take care of that bill and that I would contact them again to find out why it was n't paid. She told me that it was too late and that I better have it paid by Friday or I was not going to like the end result and she hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is reporting an open account on my Equifax and XXXX  in the amount of {$2000.00} that does not belong to me. 

On my credit report XXXX XXXX shows this alleged debt was sold to a collection agency and both XXXX XXXX and the collection agency are both trying to collect double on what appears to be fraud. 


I do not have any open accounts with XXXX XXXX and this needs to be removed from all 3 Credit reporting agencies immediately, XXXX XXXX is sending the credit bureaus inaccurate information which has caused me to be denied loans and job employment
Product: Debt collection

Their collection company have created their own their own file trying to collect fraudulently pretending to be someone else are representing a company that have given them or have sold them a debt and now they are administrating it like if it's been held in 18 Code U.S. 1581-Peonage obstructing if though they own a slave now. they are also violating the fair debt collection practice act by sending misleading and threatening male do the post office system.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX Balance XXXX ; XXXXXXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX , CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXXXXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX , XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Checking or savings account

I XXXX XXXX XXXX opened a bank account to begin receiving social security in XXXX XXXX at Wells Fargo XXXX XXXX XXXX, XXXX XXXX, CA. I used the very first deposit to move to the XXXX XXXX to look for housing. I spent quite some time in XXXX homeless and used the branch on XXXX and XXXX XXXX, ( across the street from the library ) My payment was there on east coast time. However, when I got housing and moved to XXXX PA, My money would bounce to California first and I could not use the funds until noon or later on some paydays. The Wells Fargo has been using two different account numbers for my money. I am poor and only opened one account. The XXXX stimulus check hit a different account number than I have in PA, but I could use the funds late. But now, Wells Fargo notified me of closing my account several months ago, because I disagreed with them, I changed my direct deposit to XXXX XXXX. Now social security has been paying me through XXXX XXXX. But Get My Payment from the IRS shows that the second stimulus check of {$600.00}. went to the same account of Wells Fargo as the first one. An account number that is not the account number I had in PA. I have no bank statements from this account number ending in XXXX. Also I do not know of any monies in that account or activity of that account. My phone no. is XXXX. 
I would appreciate all attention given to this matter. Wells Fargo is often in the news for fraudulent accounts and activities. My back pay from Social Security according to the Administrative Law Judge may have been compromised or stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion have incorrect information reporting on my credit reports. By law, I have the right to sue and I will do so if this information hasn't been blocked or removed from my credit report asap. I have provided copies of my drivers license and my mortgage statement showing my address. They say that the companies have verified this information. How? By what means? What was provided? I have the right to know and see that information. This information can not be proven because it doesn't belong to me. I have never lived at another address. I only have one mortgage with my name on it. I don't live anywhere else and I haven't lived anywhere else. XXXX XXXX, XXXX XXXX, nor XXXX XXXX XXXX XXXX does not belong to me. I have already consulted with an attorney. If this information isn't removed from my credit report asap that is a refusal on behalf of XXXX  and Transunion to remove these items. I have already sent this certified mail as well. I will sue for the maximum that the law allows if this information isn't deleted or blocked from my credit report asap. No information matches. Also, all address that are not on my mortgage statement and drivers license need to be removed asap. The ONLY valid address is XXXX XXXX XXXX XXXX, GA XXXX. 

Lastly, this is not a credit repair agency sending this. This is me ... .XXXX XXXX XXXX XXXX sending this from my computer. You have 2 weeks to remove these items before I file suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started asking for reinvestigation on accounts in XX/XX/XXXX and I received a letter on XX/XX/XXXX that XXXX of the accounts that I told was not my accounts was deleted. I spoke with a consumer law professor and he told me to send it again and i did but nothing changed. I have been reporting these same accounts since XXXX and it is now XX/XX/XXXX and they are still reporting the accounts. I also filed an identity theft report with the FTC and also sent the XXXX a signed FTC report which was notarized and mailed first class mail, certified return receipt. The company then sent me a letter saying that I need a police report but XXXX XXXX ( A ) states provide FTC Identity XXXX Report, Identification, and confirmation from the consumer that said accounts resulted from identity theft and that one doesn't assume or accept responsibility. So now it's clear that they are continuously violating my consumer rights. In XXXX they sent a letter that said that they would not reinvestigate the alleged accounts again for me after they still have not sent me a copy of the information used to verify me The Consumer, natural breathing person, and Original Creditor. That alone makes no sense, being that they need to talk to me to verify any credit that I granted as the Original Credit. They are not abiding by the laws that are hear to protect me, the consumer
Product: Checking or savings account

XX/XX/2021- Received a promotional card offering {$150.00} bonus to open an account with Arvest Bank. My dad has an account at Arvest, and I thought this new account would make our monthly business easier. The one internal recurring ACH to my dad 's account will cover the bonus account activity requirements for the promotion, it said. I opened the account, and set about using Arvest 's online banking feature to setup the recurring ACH 's from my local bank account to my new Arvest account, and also the subsequent transfer to dad. I tried to be mindful of the transaction dates, knowing that my local bank 's system still relies on paper instructions to a certain extent. 

Late XXXX, 2021 - because the scheduled date of my recurring Arvest transfer fell on an upcoming weekend, I inquired as to when the bank would process it. I was told XX/XX/XXXX, the following Monday. What has happened over the last 39 days can not be documented in this text box. 

XX/XX/2021 - after closing my account and removing all visibility to it ; after a full month of threatening notices, being treated like a criminal, and a refusal from over a dozen Arvest Bank employees to discuss the matter with me, and finally, after almost calling an XXXX  during a XXXX XXXX because of my XXXX  for which I receive XXXX XXXXXXXX payments, Arvest Bank took another {$1200.00} out of my local bank account. And this week, I have watched my account dwindle down because of the automatic payments for utilities, etc. are posting. Yesterday, my balance in the local account was {$3.00}. Today I am over-drawn. I was told yesterday by Arvest that my money would be returned this week. I don't know what else to do. Thank you in advance. 
XXXX XXXX
Product: Debt collection

Case # XXXX XXXX XXXX XXXX Re : Billing Error Notice - Account Number : Do not give the account number supposal I debt Re : Collection Practices of : XXXX XXXX XXXX AS SUCCESSOR IN INTEREST TO XXXX XXXX. 
XXXX XXXX XXXX XXXX FL XXXX To Whom it May Concern : I would like to file a formal complaint against XXXX XXXX XXXX AS SUCCESSOR IN INTEREST TO XXXX XXXX. for actions taken while trying to collect a debt. And submit garnishment against salary or wages and another situation is as follows : I have received your CALLS regarding an overdue amount for {$8000.00} and try to contact you, but nobody helps me because my info does not match with your file and it is impossible give more information. A request in Court file GARNISGMENT against me. 
You are charging the wrong person in your file you do not have my correct name My social security does not correspond. 
My date of birth corresponds to a person much older than me. 
Filing lawsuits that are fraudulent and inaccurate. 
Filing lawsuits against me who are not the owners of the debt. 
Filing lawsuits that are past the statute of limitations for Florida. 
Not having proper documentation for the debt, say I owe. 


Please investigate this matter and have these practices stopped. You can contact me at XXXX or email me at XXXX or fax at XXXX. 
Sincerely,
Product: Checking or savings account

Today, XXXX XXXX XXXX is my pay day. My pay check was not delivered through direct deposit into my Capital One Checking account as usual.
Product: Checking or savings account

I filed a dispute on XX/XX/year> ; Wells Fargo denied my claim with little to no investigation done considering the short time period and the amount of transactions. They never asked for further documentation or proof. I would like to appeal this dispute as well as receive the supporting documentation for their supposed investigation.
Product: Debt collection

ISPC is committing FRAUD. I noticed that ISPC redeemed the remittance coupons/instrument as a non cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to US Code 1691 ( C ) you assume civil liability pursuant to 15 USC 1691 ( k ). ISPC Has violated my federally protected rights.

The debt shows as a charge off- this is a certificate of indebtedness. ISPC filed a 1099C but I did not receive any income from this debt, this is FRAUD.

The company has violated my rights under the Privacy Act of 1974.

It is illegal to report transaction history and credit utilization 10 % or lower.

15 USC 6802 15 USC 6805 Additionally, it is my understanding that you are selling my securities on the secondary market. I will be forced to report my findings to the SEC for securities fraud alongside a financial securitization audit of my account.

See Report Number XXXX
Product: Mortgage

First, there was no option for me to choose that fit the issue we are having so I chose to the best of my ability in hopes this will get to the right person/department. 
We have received several certified letters from Caliber Home Loans telling us that we have missed payments and we are now going to collections. The problem is that Caliber isn't our home loan company anymore. We paid off our home last year and our loan wasn't owned by Caliber at that time. We called the company and they said those letters were sent out by mistake and to disregard them. Meanwhile, we received a check for {$120.00} and we have no idea why. When we asked for the company to at least send us a letter clarifying and verifying that the letters were sent out by mistake, they told us, " No ''. They will not even put it on their website letting everyone know who received these letters that they were sent out by mistake. The company has spent quite a bit of money given the number of Certified letters we received, yet they can not send a simple letter out to us so we have proof that we were told it was a mistake. We have not cashed the check they sent because we don't want that to backfire on us. We have tried 2 times to get to the bottom of the issue, but they are not willing to tell us anything, other than it was a mistake. These letters really freaked us out since we know we do not owe anything. We have filed the Deed and have received confirmation back that it was filed and we own our home outright. 
We would love to know what further action we can take. If this somehow ruins our credit or our house is in danger of being taken away because of this mistake, we need to know how to handle that. We are also concerned about how many other people may have actually paid Caliber because of these letters. 
Please let us know if any other information is needed. 
Thank you! 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am the executor of my mother 's estate. She was living with my brother in XXXX XXXX Louisiana when she passed away on XX/XX/XXXX. Her bank ( Hancock Whitney ) provided me with copies of her checking account statements from XXXX through XXXX, including copies of all checks EXCEPT XXXX XXXXXXXX for {$3600.00}, a check written to the funeral home AFTER my mother passed away. I inquired with the funeral home, but they could not help me. 
XX/XX/XXXX : I sent e-mail to bank contact at Hancock Whitney requesting a copy of the check ( which had been converted to ACH payment ). 
XX/XX/XXXX : bank replied they would send it as soon as they got it. 
XX/XX/XXXX : bank forwarded me documentation between HW & XXXX XXXX, basically saying they could not get a copy of the check. 
XX/XX/XXXX : I e-mailed bank contact at HW to clarify information in documents. I did not receive a response. 
XX/XX/XXXX : I e-mailed contact at XXXX XXXX ( got name from documents ). No response. 
XX/XX/XXXX : e-mailed contact at XXXX XXXX again. No response. 
XX/XX/XXXX : e-mailed contact at HW. She called me immediately and told me that I absolutely should not be contacting them and they could be sued and she almost lost her job. I explained I was trying to investigate possible fraud on my mother 's account. 
I just want an answer. Thank you.
Product: Credit reporting

Experian continues to report XXXX inaccurate late pay of my student loan account on my credit file. They are overlooking that it was not a late pay as my account was in FORBEARANCE from XXXX with my credit furnisher. Further more the FCRA State that they must report my account accurately. The FTC also states that under the FCRA laws is must report to accurate information regardless of the fact that it was reported correctly before. SEC. XXXX of the XXXX states that information must be corrected to reportedly accurately because my account was in forbearance within the period that is showing a late pay. NO PAYMENT WAS DUE THEREFORE ENSURING THAT MY ACCOUNT WAS NEVER LATE. I was in forbearance and my account has been current from then on. It must be changed immediately as it is negatively affecting my credit report. I have talked to both the CRA and the furnisher and they seem to point the finger at XXXX another and I need this to be deleted immediately or i will be forced to take Experian to small claims court for unspecified damages because they are inaccurately reporting on my credit report. They are also reporting incorrect personal information about me on my report. I have told them that is not me and that is not my information and they refuse to update my personal information which again is a violation of the FCRA.