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

I have tried on multiple occasions to access my equifax online and each time was directed to call their toll free number, as I was not allowed access online for some reason. I called and the woman would not give me the reason, she did however tell me she could mail me my credit report to my XXXX address. I am not currently living in the XXXX and she claimed I was unable to have it sent to me here in XXXX. She did go over my credit report with me on the phone but said she could not give me my credit score over the phone that she could mail it to me. I once again reminded her that I was not in XXXX and that mailing it to an address in XXXX did me absolutely no good. She also would not specify why I was blocked access online to my free credit report. I was under the impression that everyone was able to access either directly or through XXXX. My question is this ... is it legal to deny me access to information that impacts my financial situation and yet give me no good reason for this, nor any solutions so that this could be fixed. I have worked hard to improve my credit and this seems absolutely unacceptable, and I am not even sure if it is legal. Please let me know if this is within my legal rights to access my OWN credit information and score despite the fact that I am overseas.
Product: Credit card or prepaid card

On XX/XX/2022, I paid off my account balance in full and requested for my card to be closed. On XX/XX/2022, Continental Finance assessed the monthly service fee. On XX/XX/XXXX, Continental Finance assessed the annual fee. On XX/XX/2022, Continental Finance sent billing statement stating that the card was not closed, and that the fees were assessed. On XX/XX/2022, I reached out to the company to no avail with no resolution.
Product: Debt collection

I've contacted Online Information Services by mailed letter on two occasions to resolve my issue. Both times the company disregarded my concerns and stated that they have no legal mandate to investigate my concerns any further than what they did. I sent my first letter by mail on XX/XX/2021, advising that the information contained in the account that is on my credit report is incorrect, and contains errors. The company 's response to my letter was a bill, that also contained errors. I reached back out to the company advising that a photocopy of a bill was not debt validation and does not prove that I owe the said debt. The company then responded again stating that they are not required to validate the debt any further, even with the errors it contained, proving I am not the account holder. MY rights as a consumer are for the debt collection company to provide actual PROOF that I am the account holder and that all areas of the account must be true and accurate, free from errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account 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 NY XXXX, XXXX XXXX  Date Opened : XX/XX/2014 Balance : {$31000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there are possibility this account belong to me I 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 ). 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. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Checking or savings account

Wells fargo took my claim on a {$1000.00} XXXX charge in XX/XX/2022 but XXXX never delivered. I called XXXX countless times they claim they have my signature but definitely do not. XXXX told me to make a claim with my bank but my bank wells fargo denied it and I don't even live at ghat address or have access to it. I spent weeks fighting with both companies I feel completely robbed and amazed they can get away with this. What does zero liability mean exactly.
Product: Credit reporting or other personal consumer reports

I have sent several notices to the company about fraudulent and inaccurate information on my consumer report. They have yet be fixed and/or be removed even after they have done an investigation. This following account have interfered with my rights and must be removed in accordance with the fair credit reporting act. XXXXXXXX XXXX. I have also filed an identity theft report with the ftc. 15 USC 1681 section 6028 states that I have the right to privacy. 15 USC 1681 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions I require said accounts to be removed.
Product: Debt collection

In XXXX of 2024, I noticed an alert on my credit report of a collection account. 

The account creditor is : MONTEREY COLLECTION SVCS XXXX info Phone number ( XXXX ) XXXX Address XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX I have reached out to this company for information on this account and no one ever returns my calls. 

I called the original creditor that this account was referred to this creditor and they just referred back to the collection agency : Monterey Collection Svc. 

Historical info Original creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX I feel under the protection of FDCPA, these rules do not apply to this company. They place an item on your credit report and does nothing to validate their claim. 

9 months later, nothing has happened. I hope to get some resolution on this matter because this is not right for anyone to go through.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt in the fact therefore exists
Product: Mortgage

I bought my home with 15 % down. I paid additional principal payments to get to 22 % equity at 38 months after closing. 

I contacted my lender, PHH to remove the PMI requirement PHH refused to remove PMI and offered the following : I could pay them a fee to " re-appraise '' my house and then they might remove PMI at their discretion. The explanation given that the investors didn't want to. When I pointed out there is zero incentive for investors to remove PMI ever and maybe we should follow the federal threshold instead my request was still rebuffed. 

I do not know if I should pay them the fee and hope they do the correct thing or just continue to pay the unneeded PMI
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Wells Fargo along with their counter partners XXXX XXXX, XXXX, and other sister companies have conducted an illegal campaign against me. The banking system has prevented me from being able to obtain adequate housing, had individuals intentionally vandalize and run into my vehicle, and have even prevented me from obtaining work. This has been going on for almost XXXX  years, and they have had several of their merchants and partners engage in the campaign, and utilized civilians in the campaign as well. They have been staging car accidents and giving everyone I work with a bank loan and a vehicle, they have been had everyone I work with in admin stage a car accident and given them a new vehicle for the amount of {$5000.00} or more. They utilized college athletes to harass me by giving them students loans of {$5000.00} or more for the participation in the campaign. Wells Fargo began a harassment campaign against me because of past claims I have made with them. They also began stealing money out of my account and making my bank lock up my account without reason. They would continuously lock up my account when I had them as my bank and prevent me from traveling. They would make excuses and say they didn't know why my account was locked up. They began this campaign against me because in XXXX  I made a complaint against one of their bankers who put extra accounts in my name. Now Wells Fargo is attacking, blacklisting, and coming after anyone who participated in the lawsuit. They have also began gentrification in all areas that I have lived in. It began in New Mexico, they followed me to XXXX, Alabama who does not have a Wells Fargo but they acquired all of the area, and now they have come to XXXX, KS began buying up all the area under different names, and gentrifying the areas. Wells Fargo is the banking system for every housing company I have applied for in the last XXXX years, and they are preventing me from obtaining housing or attempting to hike the prices up to where it is unaffordable. I filed a complaint before and Wells Fargo never reached out to me. I attempted to reach them almost XXXX times and they refused to call me back, but had a third party company reach out to hack my phone.
Product: Credit card

I placed a order for XXXX at XXXXXXXX XXXX XXXXXXXX. The system duplicated the order and i called them to correct and they advised it would have to be cancelled and re-entered. They set a cancellation of the order, but the amount is still on my Wells Fargo CC and I can not get Wells Fargo to start a claim to pursue this issue. Wells Fargo has not issued a provisional credit on my account or made contact with the vendor. Attached is the written confirmation from XXXXXXXX XXXX my order was cancelled, this has been sent to Wells Fargo also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Account XXXX : XXXX
Product: Credit card or prepaid card

I would like to formally withdrawal my complaint dated XX/XX/2022, against Bank of America submitted through your portal on or around XX/XX/2022, Bank of America has agreed to look into and resolve this matter with out XXXX involvement. Please remove said complaint from your database and notified BOA the complaint was withdrawn.
Product: Credit card

Cometity Bank is charging me to much interest. The interest is over the amount of my balance. It is charged on a larger amount. The account has been closed for 2 years.
Product: Debt collection

Jefferson Capital Systems XXXX continues to allege I owe a debt I do not. Under the Fair Debt Collection Practice Act Jefferson Capital Systems should have sent me a notice of my right to dispute this debt before the information was sold to credit bureau to be placed on my consumer report. I have received no such notice and I dispute this debt as belonging to me and have no contractual obligation to XXXX XXXX and refuse to pay this debt.
Product: Debt collection

Every weekday, sinceXX/XX/XXXXuntilXX/XX/XXXXI have received persistent, aggressive calls and voicemails from XXXX I do not know who this caller is, or what they want. I do not answer unknown callers or their voicemails -- too many robo-scams out there. I have reported this number to XXXX, FCC, FTC, and the Do Not Call Registry ; I have put anti-spyware and call- blocking apps on my phone, bot the calls & voicemails still come thru. I added another call-block app on Monday, XX/XX/XXXX. It failed to block the call/voicemail ; but it showed the name : XXXX XXXX I " XXXX '' the name and found the address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX PLEASE STOP THESE PEOPLE FROM BOTHERING ME. I DO NOT KNOW WHO THEY ARE OR WHAT THEY WANT.

Thank you ever so kindly.
Product: Checking or savings account

XXXX XXXX, 2017 approximately XXXX XXXX I entered Citibank on XXXX XXXX XXXX XXXX NY XXXX. I came in the bank to close the account and open another account in which I have power of attorney. The account was blocked by the fraud department because someone had access to the account and routing number ( fake check was made ). I spoke with XXXX XXXX XXXX and he immediately went to get his branch manager XXXX XXXX. They informed me that they have to go to the back to call the fraud department. They need to call the bank that issued the POA and they need to get in contact with the bank that originally opened the account 12 years ago. After waiting for 2.0 hours ( they never came back to check to me ) I decided to call customer service. I called customer service and spoke with a supervisor. The supervisor said the Fraud department released the account over to the Bank Manager and that they should be closing and opening me a new account. While I ha the supervisor on the phone I went to look for XXXX and XXXX because the customer service representative wanted to speak to them. XXXX stated we are not allowed to speak on your cell phone the customer service representative must call the branch. While waiting on the phone ... the customer service supervisor called the branch. They were on the phone for quite some time. She came back to and asked can she call me back because the branch manager wants to speak to the fraud department to see if the account was released to the branch manager. XXXX XXXX I received a call from XXXX. She explained to me that the fraud department confirmed with the branch manager that the account was released to the branch. The customer service supervisor stated that the branch manager at the bank is suppose to close the account and open a new one ... .she was confused on why the branch manager was giving me a hard time. The customer service supervisor stated the branch manager was checking on the guidelines to open and close the account. She said the account was good to go to close and open new one. After waiting another hour  I looked for XXXX XXXX ( XXXX also told customer service she was not the branch manager ) ... ..when I found her she said she was still on hold for the fraud department. Meanwhile customer service stated that they spoke with her already. I explained that to XXXX XXXX she stated customer service is external and for the customers. She said that 's not internal so she have to speak with someone internally. I explained that I been waiting 3.5 hours will anyone help me. XXXX XXXX explained theres nothing we can do for you until the fraud department lift the block. The most they can do for me is open a new account. But before opening the new account ... they had to get the original Power of Attorney from the XXXX XXXX location ... ..I just left with nothing resolved. I felt discriminated against. I felt that they did everything in their power to ignore me. They went to the back office and never came back. I had to go seek for them.
Product: Credit card or prepaid card

BOA Closed my account without any warning and now they wo n't let me redeem any of the total rewards points that I 've earned.
Product: Credit reporting or other personal consumer reports

I requested my personal information to be updated and nothing has changed and I want this off of my report. 

I want the employer to be removed- XXXX of the month I want that removed off my report. 

I want XX/XX/XXXX put on my report and remove XXXX XXXX XXXX XXXX id not my name never used that name. I want that removed XX/XX/XXXX I want that removed XXXX XXXX XXXX XXXX TX XXXX non mailable address pls remove XXXX XXXX XXXX XXXX XXXX TX XXXX non mailable address pls remove
Product: Debt collection

On XX/XX/2019 I sent a notarized letter to the credit bureau called XXXX via certified mail. The letter requested the physical verification of two particular debts in accordance with my rights and laws under the FCRA. The letter was delivered to XXXX on XX/XX/2019. In response to my letters, I received a letter from XXXX dated XX/XX/2019 stating that both of these accounts have been verified as accurate. I received two letters from the collection company - Receivables Management Systems, both dated XX/XX/2019 trying to collect a balance on both of the accounts. The only way for XXXX to have verified these accounts with Receivable Management Systems would have been for them to have sent my personal medical records that are protected by HIPAA laws to XXXX. If that is the case - this is a huge violation of the laws and require very large fines against Receivables Management Systems. For Receivables Management Systems to have my personal medical history related to the accounts would be a huge violation of the laws and require very large fines again. In accordance with FCRA and HIPAA laws, either these debts can not be verified and need to be removed from my credit report immediately or they need to be investigated for sharing my personal medical history. At no time did I contest or dispute the debts and accounts in question.
Product: Checking or savings account

Ive noticed that someone is using my ssn and personal information to open and banking account, applied for unemployment benefits, and COVID 19 mortgage solution. The address is somewhere in WA.
Product: Money transfer, virtual currency, or money service

Reference ID : XXXX Company Name : PayPal Inc Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX On the XXXX of XXXXpapal limited my account the second timeBefore all these, I contacted PayPal that week informing them Ill be expecting more than mu usual money that particular week. I remembered talking to a lady though..I told her my account has been limited before and i asked her whether is it possible it might get limited the second time? and her response Yeah..Buh since you can provide the requested documents again then hope that wont be a problem. She explain things to me and assured me my account will be safe.But before that, i already have an accumulated money in my account already. 

Days later, I attempted to withdraw {$2000.00} which was placed on hold for 24hrs. 
Transaction type : Withdrawal Date : XXXX XX/XX/2020 Amount : {$2000.00} Status : denied Transaction ID : XXXX During that awaiting 24hrs, I received {$500.00} from a business partner which was also place on hold for further review by PayPals security system.. 
Date Received : XXXX XX/XX/2020 Amount : {$500.00} Transaction id : XXXX Later that day, I received an email from PayPal indicating my account been limited permanently due to suspicious activity. PayPal will not even provide me with evidence showing me what this " suspicious activity was. '' When It happened, thought the system made an error because I received 2 emails with the same limitation messages ... I contacted PayPal via email -- it took them three days to reply. When I did get the reply, it had NOTHING to do with what I had written. Their response was sorry your account remains limited for 180 days ... I've tried contacting them on both phone and email but all to no avail..
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for a CITI XXXX XXXX XXXX XXXX Card on the Same day I was declined for my limit increase with another Credit Card. I recently paid off a considerable amount of credit card debt the previous month. I've received numerous offers in the mail from CITI for that card as recent as XX/XX/XXXX with a personal invitation number. I applied online and was also declined. I received my letter in the mail and the reason for decline was " Too many recent inquiries are recorded on your credit bureau report ''. The adverse letter failed to include my XXXX Credit Score at the time of inquiry, which Financial/Credit Institutions are required to do. After being declined for the XXXX XXXX XXXX XXXX Credit Card, the following month ( XXXX ) I am now being solicited by CITI to apply for their XXXX  Card, which offer no rewards other than ( {$0.00} Late Fees and {$0.00} Penalty Rate ).