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

I have alot of credit inquiries on my account that i did not apply for and i put a 90 day fraud alert on the 3 credit bureaus. I recently noticed a XXXX  and im not applyiny for nothing.
Product: Debt collection

Out of the blue, I received a letter 10 months ago from a collection company, XXXX XXXX XXXX XXXX XXXX, NY. The letter was dated XX/XX/XXXX, and it was alerting me that XXXX was collecting a past-due balance of {$350.00} from me on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY. I was baffled and stunned to receive this notice because I had paid my cable bill in total to XXXX XXXX before cancelling service with them in XX/XX/XXXX and returning the cable box and equipment. I never received any further communication from XXXX after paying my bill in total, canceling service because I moved to another residence and returning equipment. Immediately after receiving this notice about a bogus bill in my name, I contacted XXXX XXXX XXXX XXXX and filed a complaint against XXXX XXXX and XXXX XXXX  for trying to collect a bill that was not mine and failing to communicate with me the details of the alleged bill : what were the dates of services, what kind of services, what were the original charges, when did the bill become past-due? In a timely manner, XXXX XXXX sent me a letter notifying me that they will never contact me again or hire any third-party to contact me on the company 's behalf about this bogus past-due claim for {$350.00}. Additionally, I never again heard from XXXX XXXX XXXX. I was satisfied with the responses and considered the matter closed. However, nine months later, I received an annoying letter from IC System, of XXXX XXXX, MN, advising me that they are collecting the same alleged past-due amount of {$350.00} from me on behalf of XXXX XXXX  XXXX for unspecified service charges. Again, this was out of the blue, no earlier letters or phone calls. Further, IC System, reported this bogus past-due allegation in the amount of {$350.00} as an unpaid collection to XXXX credit reporting services, which lowered my near-perfect credit score by XXXX points from a near-perfect XXXX to a paltry XXXX. Immediately, I filed a complaint against IC System, XXXX and XXXX with tXXXX XXXX XXXX XXXX. I am awaiting a XXXX  response. XXXX XXXX is the parent company of XXXX. XXXX should have abided by the decision of XXXX to stop any further actions against me for an alleged debt that they could not confirm as mine and could not specify, qualify or quantify or provide specific details of any kind to me because the charges were not made by me. Instead of ceasing and desisting actions against me based on fraudulent and flawed information, this bogus past-due collection was sold to another collection company to pursue actions against me after I was told by the initial alleged creditor, XXXX XXXX XXXX that all attempts to pursue this bogus collection would be stopped. # # #
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my free annual credit report from XXXX but it never verifies my information. None of the questions they ask pertain to me. None of the information is mine and it doesnt matches anything. I need my XXXX, experian and XXXX updated reports.
Product: Debt collection

On XXXX XXXX I called XXXX XXXX Bank to inquire about a debt that I had. My call was re-routed a customer service representative at Resurgent Capital Services who stated that the debt owed to XXXX XXXX Bank was not handled by that financial entity. She proceeded to tell me ; however, that I owe {$1100.00} to XXXX XXXX Bank, an account that had been opened in the year XXXX. 

I proceeded the tell the customer service representative that I had already paid the debt to XXXX XXXX Bank approximately 10 years ago and that I had closed the account. Furthermore, I told her that the deb to XXXX Bank showed as Paid on my credit report. She told me that it did not matter and that I still had to pay the debt. 

On XXXX XXXX I received a letter from Resurgent Capital Services stating that I have a current balance of {$1100.00} which is not accurate. I spoke with XXXX at XXXX Bank today and she confirmed that my previous balances were paid and that I do not owe any thing. I checked my credit report today and it states that XXXX accounts with XXXX XXXX, each for {$250.00}, were satisfactorily paid in the year XXXX. Upon completion of the payments, I closed both accounts. 

XXXX also mentioned that former and current XXXX XXXX card holders have complained about Resurgent Capital Services mailing them letters regarding erroneous outstanding debt.
Product: Debt collection

On XX/XX/2020 I received a letter from National Enterprise Systems stating that it was an attempt to collect a debt and if I didn't notify them in 30 days there office will assume that the debt is valid. I never received services nor products from National Enterprise Systems. I sent National Enterprise Systems a disputed letter and in that same letter I also asked for them to send me an Instrument of Indebtedness which they have yet to produce, but yet continue to try to collect on a debt in which I do not have with National Enterprise Services.
Product: Debt collection

I had a collection account at XXXX XXXX XXXX that I owed to Capital One for XXXX. They reported the account on my credit bureau the same day they received the account. I did n't find out about it until months later when I pulled my free credit report. Before I paid it I called XXXX and asked them when it would be reported to the bureau as paid. A lady told me if they received it before the end of the month if would take no less than XXXX days. I paid the account in full on XXXX XXXX. I called cavalry today ( XXXX/XXXX/2015 ) to make sure they were going to show it as paid in full and now they are telling me its going to take XXXX days????? Why does it take XXXX days?? They did n't take XXXX days before reporting it. I paid with a debit card and the money had cleared my bank. It should be reported immediately. I felt that they were deceptive, they just wanted the money before the end of the month and so they lied about when it was going to be reported to the bureau. They want the money right away, but they drag their feet when its on them to update it to the bureau!
Product: Checking or savings account

Arvest Bank is selling the branch in my town to another financial institution and I no longer wish to bank with them, because the new institution does not have branches in the locations I frequently stay. I.e. in my college town, I am currently a student. I went to the Arvest Bank in XXXX, AR on XX/XX/2022 to close my account and while I was at the bank I noticed there was an unauthorized charge on my account. I asked to dispute this charge and was told that I could not dispute the charge since I was closing my account. My family works in XXXX  and I know this to be factually incorrect. I can not be denied the chance to dispute an unauthorized charge, per Regulation E. When I brought this up to the branch, they continued to deny filing my dispute and told me that the only way I can dispute the charge is if I chose not to close my account and continued banking with them. I am extremely dissatisfied with the service Arvest Bank has provided over the time I have had an account with them. If they have done this to me with such disregard for the law, then I can only imagine how many other customers they've done this to.
Product: Checking or savings account

I recently applied for an account with XXXX XXXX, that account was denied due to a alleged charge off account disputed before and I was informed that I am not responsible for the balance in that account. 
I called the applications department to check on my pending recent application and I was told that I have to contact charge off, I contacted them and they informed that I am not responsible for unauthorized use of that account and even that, the account still showing a negative balance and affecting my record. 
My recent application was denied due to that account that I am not responsible for. 
See attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

FALSE/INACCURATE INFORMATION I reviewed my credit report today and noticed there is some incomplete and inaccurate information being furnished by XXXX XXXX XXXX. On my consumer report, you are describing this account type as a loan when in fact, this alleged arrangement is acknowledged by the governing laws as a credit sale. There is not now, or have never, been a loan agreement in place. Under any premise were goods or money loaned to me, the alleged debtor. It is a direct violation of FCRA to knowingly furnish or report false and incomplete information. Please delete this item within the allowing timeframe pursuant FCRA. ACCOUNT NUMBER XXXX Failure to comply with these demands will result in a formal civil and/or criminal complaint being initiated. Please mail an updated copy of my credit report to the above listed address upon removal of violating information.
Product: Credit reporting or other personal consumer reports

I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

It's disheartening to note that these companies have failed in their legal obligation to address these disputes, as required by law. 

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
Product: Checking or savings account

Around the middle of XXXX I received a large direct deposit from the Florida unemployment office, I signed up for a PayPal account under the guise that they have direct deposit and the debit cards and all that stuff that goes with that everyday bill paying. I paid some bills, I paid some people of whom I owed money to, I used XXXX  a couple times and I got a hotel room. I received a an email from them saying that they had permanently limited my account and that they're going to withhold my funds of close to {$4000.00} for 180 days with no explanation of any agreement that I broke, just saying that they felt unsafe with some of my transactions. Now, you have to remember that some of these transactions were made after four months of not getting paid so I can only add {$300.00} to the temporary debit card a day so that was being done for a couple days, so I can get bills paid. Anyway I can't wait 180 days for the money to be returned. Paypal 's user agreement is flawed in, outdated and probably criminal. I have read several online post about people having the same problem, having their accounts permanently limited which means they shut your account down, they don't close it because if they close it, then they have to return the money and I can't even close it and there's a lot of talk of class action suits against PayPal on this topic but as of right now my issue is getting that money back as soon as possible so I don't end up almost I need that money it just came in and now it's it's frozen.
Product: Credit reporting or other personal consumer reports

There are several charge-off accounts listed on my credit reports that do not belong to me. I have been trying to get the credit bureaus to properly investigate these accounts and remove them from my reports but I have gotten no response. The accounts in question are listed on my FTC report. There is also an account XXXX Account Number : XXXX That is also reporting on my report that is not mine.
Product: Checking or savings account

I was made aware of an incident that occurred about beginning of XX/XX/year> at the Huntington Bank located in XXXX XXXX, MN. An individual came into the bank, approached the teller line stated wanted to close an account due to a death. The perpetrator produced a fake death certificate along with a fake ID, impersonating me ( XXXX XXXX ) The individual was trying to close the account in which I am a primary owner along with my mother XXXX XXXX XXXX XXXX ), therefore I had authority to conduct transactions on the account. The Personal Banker stated she knew my sister XXXX XXXX XXXX ) and was going to call her. At that point the perpetrator left the premises. When my sister was contacted she informed the Banker my mother is still alive and that she was calling the police over the matter. XXXX Police Department was called, which they visited my mother since her name was on the account also. The matter is still being investigated. I am filing the complaint that the Bank Personnel did not take proper procedure to handle the matter when the person came in with documentation to properly verify without alerting the individual of their intention to call the sister for verification. There were multiple red flags the banker ( s ) should have seen : ( 1 ) I am a primary account owner and the person produced a death certificate stating wanted to close an account. Why would I need to do that if I am a primary owner. ( 2 ) Instead of calling my sister why didn't they call the police from a phone located away from the teller line ( 3 ) Why didn't they call my mother to verify if she was alive or not verses calling my sister. The bank failed to protect my mother, myself and the accounts in which we hold in joint ownership. From what I understand the banker told my sister it was your brother that came in and did this, indicating that it was me ( XXXX XXXX ). I have not been to the bank since XX/XX/year>. This has affected my life, my credibility and my job. I would like camera footage pulled when this incident occurred and shared with law enforcement to assist the investigation as to who under false pretenses came into the bank with the intent to commit fraud utilizing false identification.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove 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 BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$310.00} XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

We applied for a hardship program during COVID, to our Mortgage Lender, and were told that we qualified for the forbearance program, We accepted the terms we were told over the phone, which was that all payments would be deferred to the end of or mortgage life. After the 6 months, the company even called again and offered to extend the hardship program. So, again, clarifying that the terms were still the same that the payments not being made would be added on to the back end of our original mortgage terms. 

We NEVER missed ONE PAYMENT before we agreed to this hardship program, and once the program reached its final date, we have NOT MISSED a PAYMENT since. In this last year, we have not received one notification, or one note on our existing monthly bill that we are delinquent on our payments. Until a month ago, we were contacted that we owed the 10 months that had been missed during the hardship back IMMEDIATELY in FULL or we were going to be placed in foreclosure. We have not been able to get a straight answer about how to proceed, we have not been given a payment option or given the original stipulations that were FULLY explained by a person over the phone, not ONCE, but both times we " DEFERRED ''. This would have been in the spring of XXXX, I will have to research the dates to be exact. But we are JUST NOW, in XXXX being told for the past year that we have owed for 10 missed months and facing foreclosure. Mind you, have not missed one payment since the program ended. This is horrific.
Product: Credit card

I was guarantee XXXX XXXX  cash back after spending over XXXXXXXX XXXX  in 3 months I did this and now they are refusing my promotion every time I call they give me a different reason.
Product: Checking or savings account

On XX/XX/2020, I attempted to withdraw {$5000.00} dollars from Robinhood to my bank account at XXXX. Robinhood indicated in the failure email I was eligible to withdraw up to {$5000.00} to this account. Please refer to document A1. 

Through the next 2 months I attempted to withdraw the funds to my XXXX XXXX XXXX XXXX  ( XXXX  ) account and XXXX account resulting in a handful of failures. Document A2 includes one of the failures to XXXX. 

On XX/XX/2020 After going back and forth with support and getting them some documents to verify my identify Robinhood agrees to send me my money in 8-9 trading days. Document A3. As of  XX/XX/2020 I can see the money has not left robinhood. Document A4. Robinhood has ass
igned me this Case Number : XXXX. 

Please help me recover this money I have a wedding coming up and don't want to go into debt.
Product: Credit card

XXXX BANKXXXX BANK INSTEAD OF ACTIVATING XXXX INSURANCE ACCT AS I AM XXXX AS THE INSURANCE SHOULKD BE ACTIVATING! INSTEAD THIS SOLD THE ACCT SO A COLLECTION AGENCY! 
CAVALRY ; XXXX XXXX XXXX, NY XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX and XXXX credit report. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a VICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception within my Transunion report XXXX This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts appearing on my credit report that are fraudulent. I filed a police report and reported these account to the FTC. I also reached out to Equifax directly to dispute these accounts. I provided them with my police report and identity theft report. I received an email from Equifax stating that my dispute has been completed, however nothing has changed. 

I called them last week and was told by a representative that the accounts are still under investigation, however their website says that the dispute has been completed. 

1.XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX All these accounts are fraudulent, I have attached my police report and identity theft report.
Product: Checking or savings account

Today XXXX I attempted to deposit 2 checks into my usaa checking account via the mobile app. I was shocked as for the first time ever USAA is only allowing me to deposit {$1000.00}. I called in to speak to someone wasting tons of time out of my day only to find out they did not know the reason as to why. The Represenative said that she could only raise my daily deposit limit to {$2500.00}, which is pure garbage. Additionally, USAA is now only allowing me to withdraw {$600.00} per day from my checking account, which is also pure garbage. I feel very alienated by USAA. I am requesting that the CFPB investigate this matter. I do not want USAA to call me on the phone as I am represented by an attorney. Any phone calls will result in an instant filing. In the event USAA does call me I do not want to be recorded at all.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$27000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}