23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Hello, this is in adittion to a complaint I made before under # XXXX for the same reason. I just contact the bank to check on another charge on the account for {$35.00} that wasnt supossed to came through as i requested an stop payment on XX/XX/XXXX and again on XX/XX/XXXX, beside the stops that i requested since XX/XX/XXXX. The dispute that i asked to be cancelled still open as of today. The result of this is that now I have to pay {$35.00} on money that I havent spend and have to wait 5   more days for the transaction to be posted. I told the representative that I will not pay any more charges cause I already payed XXXX on money that wasnt mine. The representaive told me that the account will be charge off and may affect my credit if I decided not to pay the amount of $ XXXX told the representative that practices are completly illegal, but he just agreed with me and told me that his hands are tied. This bank has been abusive with me and have taking advantage of the passing of my mother, that Im a XXXX person who defend himself with the little english that I know, that I will do everything to protect my credit score, so they just keep making promises that they cant fulfill.I feel trap in this endless loop that I have to keep paying money for things that wasnt mine.
Product: Checking or savings account

XXXX the XXXX and the XXXX. This company took money out of my acct. After pay purchase. XXXX. XXXX times a month. I am on XXXX XXXXXXXX And count my pennies. XXXX XXXX XXXX says I have to close my acct and issued another one. All my Bill 's are paid with the one I have Please help me
Product: Credit card or prepaid card

Discover Financial is fabricating documents to support their position that I opened an account with them vs. the account being opened because of identity theft. 

Last summer, I asked them to provide me a copy of the application ; they denied stating that it was on a proprietary system. Earlier this year, I retained legal counsel to address and resolve this matter and my attorney requested several items, including a copy of the application. 

While Discover was stalling my attorney ( and continues to do so ), they mailed me a copy of the application on XX/XX/XXXX ( attached below ). 

On the surface, the text within the text boxes is hard to read ; when enhanced, you can see that they have altered the email field - it looks as if Discover Card attempted to superimpose the email address " XXXX '' over the email address that was originally in the email field. 

If you recall, Discover, as part of their " chain of proof '', claimed that my email address " XXXX '' was used to apply for this account. This deliberate attempt to falsify the application shows that they know this account was opened fraudulently and places their entire claim in doubt. 

This is not the first time they've been made aware of this ; my attorney has provided them with the same images I've provided you. 

This is clear evidence of Discover Card 's fraudulent attempts to defame me. I'm submitting this complaint as the first step to putting their actions on an official public record.
Product: Credit reporting or other personal consumer reports

This is identity theft occurring on my credit report. These are the accounts that are identity theft : Account Name : XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX Account Number : XXXX Reason : Identity Theft I have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is a valid debt. 

I have enclosed copies of my requests to the collection agency, asking them to validate my debts. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

If you can not verify the item under the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX and Transunion Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$4800.00} XXXX  XXXX XXXX Balance : {$4100.00} XXXX  XXXX XXXX Balance : {$4800.00} XXXX  XXXX XXXX Balance : {$4100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrect information regarding an outstanding balance due on XXXX  - account number XXXX. This account does not belong to me. I have contacted all 3 bureaus and XXXX has removed this item from my credit report, however XXXX and Transunion have not removed this item. This inaccurate reporting is harming my credit score.
Product: Credit card

This week, I received a credit card from a company called " CURRENT '' ( https : //current.com/ ). My lines of credit are usually frozen, but this card was opened while we had a temporary lift on our lines of credit while going through a mortgage process. 

I have no idea who this company is or how they got my information. CURRENT has no phone number on their website, only the option to talk with them by submitting a request ( which I have done ) or downloading their app. Since I'm not familiar with this company, I will not be downloading an app. I submitted a request today requesting they tell me how they got my information and how the account was opened, to provide me with all data they have on me, and to remove that data and close the account. 

Overall, I'm still questioning if this company is a legitimate one as their company name makes it difficult to research anything about them online ( It's hard to get XXXX  results for things like " Current credit card scam '' etc ). And then to not have a phone number to call on their website also adds to that speculation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following late payment remarks placed onto my credit report without my verbal or written consent to do so, is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative remarks on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit in the future. Due to these facts given the following closed accounts must be removed : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )
Product: Mortgage

My attorney, XXXX XXXX, XXXX. has offered Wells Fargo a short payoff amount of {$1.00} XXXX of {$1.00} XXXX owed. She has presented proof of funds from the buyer whom I am selling to. More than one year later, XXXX has not presented a payoff letter. The representatives have been hateful to Attorney XXXX and her paralegals. The Wells Fargo representatives are hanging up on her staff rather than giving Attorney XXXX  an answer on the status of a decision. Secondly, Wells Fargo has requested the same paperwork over and over again for more than a year. Usually after 90 days, Wells Fargo will send me a letter claiming that the submitted documentation is insufficient to decide on a decision. Note : Wells Fargo is requesting the same documents I had already provided months before. But, I do provide them. Next, I am always receiving letters saying that Wells Fargo will have an answer on or before XX/XX/2021, for example. But, the deadline will pass and there is no response. I need to know from the Consumer Financial Protection Bureau why Wells Fargo continues to delay providing a short pay off letter to that I can sell this property to an approved buyer who has provided proof of funds.
Product: Checking or savings account

On XX/XX/2021 I used a service on XXXX to paint my wheels and calipers. After the work is completed as the service performer indicated, I paid him {$700.00} via XXXX. 

After removing the masking off my rims, I saw the damage that was done to my vehicle which includes damage to brake rotors, overspray to multiple areas of the car ( paint damage ) and the service itself was defective and not as agreed on before. 

I tried to contact the service provider but he did not come back nor answered my text until this date. Therefore, I tried to dispute the charge with my bank ( Chase bank ) along with : 1- colored pictures of the defective service which shows the damage done plus the defective service. 
2- a letter with a second opinion from a business that offers same type of services performed on my vehicle by the provider And, today Chase declined my dispute because it doesnt fall within XXXX guidelines for a dispute. Although all the proof and evidence submitted qualifies for a dispute under defective or not as described service.
Product: Debt collection

My name is XXXX XXXX and I am inquiring about an account thats noted on my XXXX  Credit Report. I have called XXXX  to inquire about that account and they gave me your info to contact you. I then contacted your bank and they have no info on the account and what it pertains to. It is critical that I obtain written confirmation saying that account isnt mine or whatnot from you in order to removed it from my credit report. May you please respond back as soon as conveniently possible. My XXXX XXXX husband is getting XXXX soon and its vital that we close on this pending house for our children and I so that he can be at peace while hes XXXX. We have been calling around to find out more about that account thats opened under my name because I have no recollection of ever opening an account with XXXX XXXX XXXX  Thank you so much for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Discover Bank Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Bank account or service

I contacted customer service via phone to inquire about a promotion of getting XXXX XXXX miles upon opening the Citi Gold checking and meeting certain requirements. They told me I would qualify so I signed up online. After my account was opened and I received all my documents I sent a secure message asking about the promotion on my Citi Gold checking account. There was a promotion for XXXX XXXX miles or XXXX thank you points and I thought I signed up for the thank you points so I wanted to clarify with an agent. The agent replied via secure message that it was n't the XXXX TYP points that was attached to my account but the XXXX XXXX miles promotion was attached to my account. So, I continued to meet all the requirements set forth in the message the agent sent me and I never got the miles. Now when I inquire about it, they say I was n't meant to get it. They mislead me into signing up for their account with an offer they withdrew.
Product: Credit card

It seems that banks like Chase who offer deals with their XXXX XXXX XXXX  are very discretely performing fraud with their customers. My husband recently experienced this same issue with XXXX XXXX. These banks request customers to sign up for " paperless '' billing and then claim to send notification via U.S. mail that they will be closing customer accounts due to prolonged inactivity. The fraud in each all of these cases more so appears to involve the customer 's unspent cash rewards balances. Once these banks very discretely close these accounts against their customer 's knowledge, they then claim that their cash rewards balances have been automatically forfeited. It is obvious at this moment that these banks are financially gaining from each of these events, and this can only be interpreted as intentional and unethical. In my case with this card, it was a " back up '' card I seldom used ; however, I religiously tracked the remaining rewards balance I had gradually accrued on the account. Today, I attempted to log into my account and now there is absolutely NO RECORD OR EVIDENCE of my card on my account- as if it never existed. Chase will falsely claim that they send forenotice of this, but this blatantly untrue in my case! I was never given ANY forewarning or advance notice regardless of what they claim they did in their systems. I truly believe these banks intentionally do not want customers to notice, as their true intent is to financially gain. As my family has now had this recently occur twice with two separate banks, I am fully convinced that banks are fully capitalizing on a " loophole '' the feel they've discovered. In this regard, I am certain banks such as Chase and XXXX  XXXX are knowingly, intentionally, and fraudulently performing these unethical acts and it CAN NOT be allowed to continue! I am hopeful that the XXXX can investigate how often this is happening, determine the revenue gain these banks are recouping at the direct expense of their customers, and ensure these banks reap the consequences they deserve for the exhibiting this ongoing, unethical behavior!
Product: Credit reporting or other personal consumer reports

I am composing this to formally dispute any inaccuracies that might have surfaced on my credit record. Upon meticulous examination of the data, I have discovered some significant errors in the account specifics. The fact that these mistakes can negatively impact my prospects and financial status makes me concerned. 

These anomalies need to be promptly resolved in order for my credit profile to continue being accurate and legitimate. As required by the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation into the disputed items and their immediate correction. 

I've attached supporting documentation that outlines the distinctions for your review and thought. Your timely attention to this matter is greatly appreciated, since it is essential to maintaining my financial stability.
Product: Checking or savings account

To start of I am a XXXX XXXX  undergoing XXXX XXXX so every XXXX helps towards my bills since my health insurance doesnt cover everything. I revived an alarming text that my accounts were pending closures I have never bounce a check with them or kept the account negative more than a few days now my direct deposit is coming in and I have no access to my funds. I am so stressed out
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account GMFNANCIAL which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that GMFNANCIAL was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

Hello, I noticed some late payments were charged in my account from XXXX 2023. I attempted to pay every time on time and I would receive a message telling me it was accepted. A few days later, the payments did not go through, but instead of letting me know immediately, I was sent a notice the next month saying it was late and I had incurred interest. After attempting to pay twice with incurred interest each time, I called the third month I received a message and paid everything using the same bank account and it went through this last time. Now, I see the reports have been sent the credit bureau despite the late payments not being my fault and me receiving no communication that payments were blocked/stopped/or in any way unable to go through after I attempted to complete them and receiving a confirmation message from the store every time. In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

There are 2 entities reporting a past-due account in collections for XXXX XXXX. The entities Convergent Outsourcing and XXXX  XXXX are both reporting a past due amount of {$350.00} to {$400.00} owed to XXXX XXXX 

These are both fraudulent accounts and not authorized by myself. I have never opened any personal accounts with XXXX and currently have a business XXXX account that's current since XXXX. 

Attached items are .... 
Proof of ownership of my current Business Account, Business Articles of Incorporation, Convergent Outsourcing Letter dated XX/XX/XXXX Verifying Fraudulent Account, Proof of Fraud/Identity Theft reports .

Thank you
Product: Credit reporting or other personal consumer reports

Called in multiple times for company to update the credit reporting, company refuses. I paid off my XXXX  loan with XXXX XXXX XXXX  months ago. The company is still reporting that I have an auto loan with them. On my credit profile because of this it looks as though I have XXXX  auto loans. Im disputed information with all XXXX credit bureaus and XXXX advised all XXXX  bureaus that the information is correct. I have proof of the XXXX balance
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) 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.
Product: Mortgage

Freedom Mortgage company has engaged in fraudulent activity in relation to my existing home mortgage, sent documents that could not be completed for a mortgage refinance and repeatedly did not respond to my inquiries. I am a XXXX and XXXX of a XXXX XXXX XXXX, have a 750+ credit score and have never missed a mortgage payment before the cancelled an autopay I had on file without notice and sent notice to an address not on file. I believe that they are discriminating against me on the basis of my gender, martial status, and ethnicity. Can share timeline and share emails to corroborate their systematic harassment, errors, unresponsiveness, and discriminatory practices.
Product: Debt collection

After agreeing on a settlement, satisfied my end of the agreement. I returned the requested equipment to XXXX for the debt, and called XXXX and provided a receipt number. A couple weeks later, I called to get a letter saying I paid the debt, but they said they did not get a receipt number and I still owe money. They would not bother to look up the earlier notes, and said I have to dispute the debt. After making the agreements, they are refusing to honor their side. It still remains on my credit score with the balance on full.
Product: Credit reporting or other personal consumer reports

I am forwarding this notice with the intent to resolve this matter of Alleged debt.
Product: Vehicle loan or lease

DEAR SIR OR MADAM : TOYOTA MTR ISSUED AN AUTO LOAN ON XX/XX/ IT WAS SUPPOSED TO BE CATEGORIZED UNDER MY BUSINESS CREDIT. XXXX XXXXXXXX XXXX. HOWEVER, AS NOTED IN MY CREDIT REPORT, IT WAS FILED UNDER MY PERSONAL CREDIT BUREAU. 

IT HAS PREVENTED ME FROM GAINING EMPLOYMENT, RENTING A NEW PLACE, EVEN GETTING A SECURED CREDIT CARD. PLEASE HELP