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

DEAR XXXX XXXX XXXX FOR MY LEASE : I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2022 FOR 30 DAYS? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, and being hospitalized with COVID, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed in XXXX i disputed unauthorized inquiries and multiple accounts that are not mine and several others that I was never late on. Also one account that is marked chapter XXXX which is wrong. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.
Product: Debt collection

Diversified Consultants has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. Diversified Consultants provided no initial communication within the five days of any collection attempts regarding this debt. In addition, Diversified Consultants has failed to provide any original copies of verification obligating myself to this debt. Since Diversified Consultants has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies
Product: Vehicle loan or lease

I had a loan with XXXX XXXX XXXX, car got repossessed, but now XXXX sold debt to a company called XXXX XXXX, but XXXX  is reporting a balance of XXXX and they sold the debt to XXXX XXXX   and it shows I owe them {$15000.00} open date XX/XX/2018 so I dont understand how I can have 2 bad items for one charge off repo, I want XXXX to fix this or I want XXXX XXXX to remove collection from experian and XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered fraudulent accounts listed. Please take the necessary steps to remove these accounts as they are negatively impacting my creditworthiness. 
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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I placed an order for wigs to mostly human hair. I received a email state the wigs had been shipped. When trying to track the PKG thru the email that was sent. It comes back undeliverable. When trying to contact the company I found out that they are in the XXXX. And charged my card under ping pong fantastic connect. I called American express. Who sent me an email stating they were disputing my charge? Not they say they need more proof. I can not get an email from American express to respond to. I have been on hold more than,2 hours to no avail
Product: Debt collection

Identity was stolen in the year XXXX  have discovered since then several accounts and loans were taken out in my name without my knowledgeM Also discovered that someone committed identity theft in my name and check fraud in my name. A thorough police investigation was done and I have been cleared all in any charges. Now Im trying to clear all the debts that were and loans that were taken out in my name.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15USC 1681 ( a ) accuracy and fairness of credit reporting Experian is governed by 15USC 1681and they have violated my rights by furnishing unauthorized inquiries to my credit report, also pursuant to 15USC 1681 ( n ) civil liability for willful noncompliance- 15USC 1681 ( n ) ( a ) is liable to that consumer in the amount of any actual damages sustained by the consumer not less than {$100.00} dollars and not more than {$1000.00} dollars. I demand that the accounts listed below removed from my report. XXXX XXXX XXXX  - XX/XX/2022 - XXXX XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 - Police & Fire XX/XX/2022 -- I demand these hard inquiries removed from my XXXX credit report/file, XXXX XXXX XXXXXXXX XX/XX/2022, - XXXX XXXX XXXX, - XXXX  XXXX XX/XX/2022, - XXXX XXXX  XX/XX/2022, - XXXX XXXX XXXX  XXXX XXXX, - XXXX XX/XX/202XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2018 I received a promo email offer from Chase to sign up for a UnitedAirlines credit card and that I would receive XXXX air miles and XXXX extra miles, if I applied for two cards and spent more than {$3000.00} in the first 90 days. I clicked on the " apply here '' tab and filled it out. I received my credit cards for me and my wife and we spent well over {$3000.00} in the first 30 days. Chase only gave me XXXX miles to XXXX. I contacted Chase and sent them copies of their original email and I spoke to 3 customer service and 2 supervisors. The last supervisor " XXXX '' stated on XX/XX/2018 that only XXXX miles were sent to XXXX because they set me up on the wrong promo. She stated this on the phone to me, and my wife was listening. We could not believe that she admitted they made a mistake but that they were not going to give me the advertised promo because it was already done and she said that was the end of it. I have the original email promo to prove my complaint.
Product: Credit card or prepaid card

On XX/XX/2021, I purchased jewelry from XXXX that was advertised as XXXX XXXX XXXX. It was not. I have a letter from XXXX XXXX stating so. I started a claim with Bank of America ( the credit card issuing company ) for the return of my {$63.00} spent on this counterfeit product. After submitting some documents to the bank they issued me a credit for the above amount. Then the merchant submitted documents showing proof of delivery and the bank reversed my credit. The merchant 's submittal discussed nothing about the heart of the problem -- counterfeit product. The bank then sent correspondence to me asking for additional info. I did not respond to this request because the case numbers on their correspondence did not match up, so I concluded that the left hand of the bank did not know what the right hand of the bank had done. Then I got a letter from the bank saying the case was closed because of time and deadline issues. I have since sent documentation to the bank as well as discussing the matter on the phone but have received no satisfaction. I have tried to explain to them that the timelines imposed by the Fair Credit Reporting Act do no apply because this is not a billing error but rather an issue about quality of product. The people I have dealt with do not understand the legal significance of this. Please help
Product: Checking or savings account

Saturday XXXX 2021 I entered the Wells Fargo branch in XXXX, FL to withdraw funds from my account exactly {$4500.00}. I was told by the teller and branch manager that couldn't withdraw the funds and gave me absolutely no reason and told me to contact customer service. I asked the branch manager to explain the reason why because I provided the proper identification, and all my funds were available and my account had no issues. She told me she can only give me $ XXXX {$200.00} out of my account with no explanation. I eventually called Wells Fargo customer support and the support agent notified me that there were no issues with my account and no reason I should've been denied my funds. After speaking with the Wells Fargo support agent I was transferred to their complaint department while driving back to the bank branch so I can let the branch manager speak to the complaint department agent and explain why my funds were denied to me in the first place. I eventually was allowed to withdraw some of my funds after almost an hour of back and forth and still absolutely no explanation from the Wells Fargo branch to why I was denied my funds. I FEEL DISCRIMINATED AGAINST FOR ABSOLUTELY NO REASON AS WELL AS EMBARRASSED. I do have documents from the Wells Fargo complaint department and Wells Fargo executive office supporting the whole matter. I am seeking legal representation to this matter.
Product: Debt collection

A couple of months ago I tried to dispute a debt that was reported on my credit by Alco collections. The debt is a debt that is not owed by me. Me and my fianc at the time were renting a house things didnt work out we both agreed to split. We both talked with the property manager and she agreed to remove my name off of the lease and to change the locks. I didnt have a key to the property. He still lived there. He had an unpaid balance when he left the house and it reported on my credit also. Last year in XXXX I contacted the property and the manager wrote me a letter stating this debt does not belong to me. It still reports on my credit. I contacted the collection agency sent in the document that the property manager typed for me. He was very rude and unprofessional. He was supposed to get back with me and never did. My ex fianc even tried to contact him to explain that this was his debt. Hes hung on him several times. Today I called again and he returned my call a couple hours later. I explained to him that its been a month and he still hasnt gotten back with me after the investigation. He rudely says its your debt! I tried explaining to him again the situation he cuts me off says Ill send you the paperwork and hangs up on me. I called back several times and left messages. No one from the company will even return my call. I even offered to give him my ex fianc number to call and he hangs up on me. This is over bearing simply because I can not rent or buy with this debt of XXXX $ on my credit that doesnt belong to me. XXXX XXXX XXXX is one of the rudest and inconsiderate people Ive came in contact with and he should not be employed there.
Product: Bank account or service

I use Navy Federal Credit Union. They claim to offer fraud protection and to monitor accounts. I rarely use my debit card and pay for most things by my credit card. They have had excellent monitoring of my credit card. I was planning a trip XXXX and notified them of my travel dates. While XXXX, I kept my debit card in an XXXX blocking sleeve and used it only three times. Although my debit card was never stolen, there were somehow ATM withdrawals from my checking account outside of my travel dates. These amounts totaled to over {$4000.00} in withdrawals I did not authorize. When I contacted my bank to report the fraud, they rejected my claim. They stated that since I used the mobile application, I should have noticed the fraud earlier. The investigator, XXXX, refused to speak to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I provided notice of a compromised XXXX account. The investigation has taken over 30 days and has not fixed the error in my report. My notices were not " frivolous or irrelevant '' ; the error is now causing hardship - AI, algorithms, and predictive analytics are biased, inaccurate and a systematic issue. My credit score goes up and down by 10+ points when I dispute out of retaliation or just plain old bias and ignorance. The investigation did not comply with the statute and CRA did not ensure the accuracy of the information transmitted for inclusion in the report. ( 15 U.S. Code 1681n. Civil liability for willful noncompliance. )
Product: Money transfers

My friend transfers fund to me according to my mobile number and I got a text from BOA saying that my account will be credited. However, I actually did not get the fund. The BOA said that the fund was transferred to the person who had this phone number before me because the phone number is bounded with his/her account, not mine. The BOA has tried to contact the person who received the fund, but got no response. The only solution BOA provided is to suggest me to call a lawyer to sue that person who received the money. XXXX reasons that I wan na make a complaints to BOA : ( 1 ) My friend is required to input the phone number and the recipient 's name ( My name ), but the fund actually went into a person with different name. The BOA did not match all the information. ( 2 ) I got the text from BOA saying that " xxx sent you xxx. Your account will be credited ''. " Your '' here should refer to the person who currently have this phone number, who should be me.
Product: Credit reporting or other personal consumer reports

EXPERIAN HAS REPORTED THIS INFORMATION ON MY CREDIT REPORT. THER ARE DISCREPANCIES AND THE COURTS HAS ADVISED THEY HAVE NOT REPORTED ANY INFORMATION AND IM DEMANDING IT BE REMOVED!
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, "
Product: Credit card or prepaid card

My credit card statement for XX/XX/XXXX stated my total balance due was {$1800.00}, which I paid by check and sent it in well before the XX/XX/2017 deadline. My credit card last four are XXXX. Recently I received another bill stating I owed additional money. When I called the company, Friday XX/XX/17 at XXXX XXXX EST I spoke with XXXX and then a supervisor named XXXX who both stated I owed interest after my payment. They refused to remove the charges. This is clearly misleading billing. 

Please find attached a copy of the disputed monthly bill from FNBO. My point is the bill clearly states the total balance ( New Balance ) due. If I call Customer Service to make a payment by phone, the voice prompt asks if Id like to pay the bill in full ( Statement Balance or Current Balance ), which is identical to the amount shown on the statement. There is not an option on the paper bill or by phone to pay the now claimed higher total amount due. 

It is very unclear where FNBO claims they disclose the total amount due is NOT the balance due on the paper statement or by voice prompt via Customer Service dial in telephone. How, where and why do they disclose that a future payment will be added. I am stating the billing practice is not fairly disclosed and they should not have the right to bill me more after I pay the Amount Due/Statement Balance/Current Balance. In every portal to communicate with the company ( website, paper statement, voice call to recorded machine ), the expected amount due is not listed, but rather the amount due that I paid. 

Lastly, it is not true that the company could not or was unable to post the expected amount due as my balance was very, very predictable and so was my interest charges. 

It is extremely misleading and I feel very unfair. This is fifth grade algebra. Please help me to ensure this misleading billing practice is discontinued.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACS/XXXX XXXX XXXX, is also reporting multiple loans as XXXX XXXX past due and these loans are older than XXXX  years. At no time, have I ever had any written correspondence ACSXXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Transunion, XXXX, and XXXX on numerous occasions to remove personal information errors off my credit report, they either do not respond or the falsely verify with no grounds. These things need to be removed off my credit report at once. 


XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX
Product: Credit card

I called on XX/XX/XXXX, to express a security concern regarding an interaction that I had with an American Express process. I then advised that It will make me feel safe if my card was replaced and with expedited shipping. I was promised that it will be done. On XX/XX/XXXX, I was notified via email that the card is shipped using XXXX XXXX regular shipping service. That does not define express shipping. I expressed my concern numerous times to agents on the phone and supervisors. None wanted to help me. Instead of complying with my request and expedite a shipment of a replacement card to me, I was cited policy and procedure every time I spoke to somebody else. I also received an email replying to my inquiry which was escalated informing me that a replacement card if needed faster, the one being shipped could be expedited or cancelled and a new one shipped using faster shipping. Since XX/XX/XXXX, it is now XX/XX/XXXX and I still don't have a replacement card shipped. I had to apply for a new card with another credit card provider in order to pay my bills and renew my subscriptions. American Express chose to escalate my issue to level 2 and waste my time instead of help me.
Product: Money transfer, virtual currency, or money service

While attending college in XXXX, I received a number of scholarship, the amount of money I received was more than needed to take care of expenses, so on XX/XX/XXXX, I purchased approximately {$8000.00} worth of money Orders to have funds available and for a rainy day. Recently, I started restoring my 1972 XXXX and wanted to use the remaining Money Orders to finance the needed repairs and body work. 
At the time of purchase, I banked with XXXX XXXX XXXX. XXXX XXXX used Integrated Payment Systems Incorporated ( XXXX XXXX ) XXXX Colorado a third party vendor to issue their Money Orders ; however XXXX XXXX XXXX was the payer for NA and XXXX XXXX California. 
When I deposited the checks into my XXXX XXXX XXXX checking account, they were returned on the grounds : 1 closed account, 2 unable to locate account, and 3 Non-Negotiable. 
I was advise to go to XXXX XXXX which I did. The XXXX XXXX XXXX in XXXX XXXX, told me the checks needed to be presented to XXXX XXXX, because they took over XXXX   XXXX XXXX in XXXX. 
When I went to XXXX XXXX, I was told they acquired XXXX XXXX assets and liabilities. However, because the money was sent to a third party vendor Integrated Payment Systems, and XXXX XXXX was their affiliated Bank in XXXX XXXX ; XXXX XXXX had to negotiate them. 
When I returned to XXXX XXXX, I was told the Money Orders had to be authenticated. After they had authenticated them, XXXX XXXX said it had to make a claim for lost or unclaimed funds with the XXXX of XXXX 's XXXX. 
Two weeks later, I was told to contact Integrated Service. When I did, I was told by Integrated Service XXXX XXXX was the payer. 
Shortly thereafter XXXX XXXX Sent back their copies of the Money Orders stating they were too old to process. This in my opinion is not a valid explanation, because there is no expiration date on the Money Orders and I paid for them with cash.
Product: Debt collection

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  National Credit Systems  for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in proof from a credit card company that they closed my account in XXXX of XXXX, with no balance or amount due. It's been negatively reported as late payments in XXXX even though it's closed. I have sent proof to Equifax and XXXX but they haven't corrected the mistake. XXXX did correctly update their records.
Product: Credit reporting or other personal consumer reports

Leafly financial is reporting an account. Dont know what leafly is or why they are reporting this account. Not mine my credit was compromised multiple times this year.
Product: Debt collection

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act.XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX is stating that I in which I have no acknowlegement of this collection.