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

XXXX I downloaded the Experian credit app and notified my credit was significantly different from my other two reporting agencies. After further investigation, I noticed there was an open account for a loan for the amount of {$5000.00} open in XXXX of XXXX. I have never applied for the loan nor have I ever been made aware of this loan. All of my loans I have taken out for college have been through XXXX XXXX and have been paid on time 100 % of the time. I also noticed that my credit score recently went down 121 points due to the account being 180 days delinquent. I have tried disputing this through Experian and have not had any luck. Theres no phone number to reach this company at, or I would have called to try and dispute on my own. As stated before, I never applied for this loan and have never received a notice that I have ever taken out this loan.
Product: Checking or savings account

Three fraudulent actions occurred on my account XX/XX/2023. I contacted the fraud division at PNC. They started an investigation. I also went to my branch bank and spoke with the manager. We decided to put a hold on the account to prevent further fraud attempts. The next day I noticed a hold on another account as well. I have three. But they said the holds are now being placed by someone with greater power and they can't release it. I can not access my money. On XXXX XXXX I received letters stating the investigation was over and my money was restored. So why are the two accounts frozen and I can't do anything, and the branch manager can't either. The bank has called whoever they are suppose to call several times, but they will not respond. My social security check was deposited and they won't let me have it. I almost got my life insurance policy cancelled because automatic withdrawal did not work. PNC is punishing us for someone else 's crime.
Product: Mortgage

Wells Fargo failed to mention that there was a balloon note in my mortgage in XXXX. When I did the modification in XXXX I again only signed one page and sent it back not seeing a full disclosure. I received a letter in XX/XX/XXXX stating they failed to include, in a written document, a reminder of balloon note. This was my first indication of it and I had no previous knowledge about it. I believe I was taken advantage of as a senior citizen. I wrote letters and called the Presidents office. I received a letter stating they would investigate. 
In XX/XX/XXXX, I went to the Wells Fargo Mortgage Center in XXXX California to retain a full copy of my loan papers and check with what I had been previously given. In those documents I did not receive a truth in lending disclosure or pages 16-19 & page 22 were not in my papers or copies I received initally at Wells Fargo Home Mortgage. And I realized they had deceived me in this process. I 've been paying mortgage but with the outrages balloon payment and outrages rate I am at risk of foreclosure, although my loan is up to date.
Product: Credit card

I have had a Barclays card for more than a decade. Around 3 years ago I put a freeze on the card and tried to close the account. Around 2 years ago I noticed on a credit check that the account had not closed and I went to close it again. Today I get a notice that they put a charge on my card and are asking for a past due balance. I went to figure out what's going on and to again try to close the account. The number listed on their site was for an apartment complex in New Hampshire. I messaged their service on their site to no response. The apartment complex gave me the correct number and I called multiple times however anytime the automated prompt asked for me to say representative it just hung up, similarly it hung up if I said " account closure '' after repeated attempts. I JUST WANT THISA ACCOUNT CLOSED!
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2022 I attempted to purchase a XXXX XXXXXXXX kitten from what I believed to be a breeder for {$850.00}, which seemed reasonable at first. Once the transaction completed, I expected to be able to pick her up, but received a notification that I would not be allowed to pick her up and that I needed to I pay an exorbitant fee, some {$1600.00}, to have her flown to me first class. That seemed wrong, but I was mourning the recent loss of our former, beloved cat and was not thinking straight ; I was also already {$850.00} into the transaction. I was told most of the payment would be refunded as part of a rental service, so I attempted to complete the transaction. It was blocked by Cash App, so I tried a few other methods, all of which were blocked, which lead the party requiring additional payment to request it in terms of XXXX or XXXX gift cards sent via XXXX XXXX. That was a resounding red flag, and I immediately contacted my bank and Cash App to recover my money. Despite many attempts to recover my money, Cash App has persistently refused to refund it claiming they are a peer-to-peer cash transfer service and not a payment service, and thus can not be held accountable for fraud on their platform. Such policies have allowed these scams to run rampant on their platform, wreaking havoc on families such as my own. {$850.00} is a significant amount of money to me. They said all I could do was request a refund from the seller, which a scammer would clearly ignore, but to play their game I requested one and was unsurprisingly rejected. Cash App has refused all further attempts to recover my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each credit agency with regards to the XXXX account. I have informed them that this account does not belong to me. However, they continue to report this account on my credit file. Please assist me in getting this matter resolved. 

Incorrect Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are several inquiries that are reporting that does not belong to me : 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 AXXXX 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  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/AXXXX XXXX/XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was scammed on XXXX XXXX XXXX using Zelle. It was {$100.00} payment is still pending. Zelle I sent them an email they are currently closed and I contacted XXXX but they cant do anything about it
Product: Credit reporting or other personal consumer reports

I was a victim of ID Theft, I pulled my credit report and noticed accounts that were not mine. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I have been requesting a replacement card since XXXX. I have been told 7-10 business days several times with no card still XXXX have requested expedition twice. First time received a tracking # immediately and never received card. Second expedition was told 1 business day and was told to call back in 1 hour and then told call back Monday for tracking number. I have had no justice in this matter and it is very concerning. Please and thank you for your time concerning this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with 3 fraudulent accounts and fraudulent inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is inaccurately reporting on my credit report 30 day late in XXXX and then a 60 day late in XXXX and a 30 day late again. When this car was stolen and it was paid out by the insurance in XXXX of XXXX. I was then informed in XXXX of XXXX  that there was an outstanding balance due to fees and charges that I needed to make payments on which I did. Now they are telling me that those were back payments and that they have reported them as late on my credit when the XXXX XXXX I thought prohibited them from doing so but also they never notified me of this.. The loan is paid off and has been for quite some time and they never even notified me that I was late because of their junk fees and charges when I was told by my insurance company that they paid off the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm demanding that these accounts be removed from my credit files. The following accounts are not mines nor have I ever did any type of business with these companies. If the credit reporting agencies do not remove these unauthorized accounts then I may be forced to take suit, however hopefully it can be resolved here. 

1. XXXX {$1700.00} 2. XXXX XXXX {$780.00}
Product: Credit reporting or other personal consumer reports

Upon cheking my condumer report I received alerts of attempt inquiries made to my name. 
XXXX. XXXX XXXX XXXX I am not liable for this inquiry please remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two medical debts for XXXX XXXX  that is being reported incorrectly by XXXX  XXXX XXXX  XXXX, they transfer them between themselves and another collection agency they own, the Debts are more than Seven years old but they are reporting them from they day they switchEd them from the other collection agency instead of the actual delinquency date! I have disputed these several times and the collection agencies will not remove them!
Product: Mortgage

I have a loan from my house with UWM. On closing day everything was fine, the house insurance was fine and everything seemed perfect. They never called me to tell me something was up. Then I received a check from the home insurer and called. I was notified that the insurance had been canceled. then call UWM and notify me that the insurance if it was active it had an amount but it was for the taxes that I paid them through the page and everything should be fine. I trusted what they told me but then here in my direction there was an ice rain and my roof was damaged and I called the house insurance to repair it and they told me that we don't have insurance. It is irresponsible I trusted the word of the representative who attended me. and it turns out my house is uninsured.
Product: Mortgage

For the 2nd time, JGW has reported a deliquency on my credit report due to the fact they did not post my 1st payment to the correct account.
Product: Money transfer, virtual currency, or money service

My husband sent me money via zelle through his bank XXXX XXXX to my bank XXXX XXXX. It was sent XX/XX/XXXX. It is in limbo. Zelle blames the banks, both banks told me to contact zelle, zelle told me it's on the bank. Meanwhile I am out XXXX dollars and am overdrawn at XXXX XXXX. Where is my money? Who is responsible? Evidently no one. Can anyone find this money?
Product: Credit card

I just got my first credit card ever in the mail from XXXX. I looked at the free credit scanning program included with my card, and saw that I had a Sears Credit card with a balance of {$1400.00}. I have never owned a credit card from Sears. This charge needs to be removed immediately. I suspect my identity has been stolen.
Product: Checking or savings account

JP MORGAN CHASE XX/XX/XXXX-XX/XX/XXXX ACCOUNT WAS CLOSED AND IS BEING REPORTED AS A CLOSED FOR CAUSE-PURGE ACCOUNT WAS REOPENED XX/XX/ ACCOUNT WAS CLOSED IN A POSITIVE ASPECT ACCOUNT WAS CLOSED WITH PAYMENT TO PREVENT DEROGATORY MARKS, YET STILL REFLECTS NEGATIVE REMARKS.
Product: Checking or savings account

I was trying to transfer money out of my Citi Savings account on XX/XX/XXXX. I was calling to talk to someone. They wanted to know what I was calling about, so I said I was calling about a transfer. The automated system automatically transferred {$21000.00} from my Citi Savings to my Citi Credit Card. I called immediately and was told they would expedite it back to my savings. I've called numerous times to check on this. I've been told a different story every time I call. I'm now today XXXX being told that it was approved and I have to wait 3-5 business days. 
Every time I call, they tell me something different. I'm getting a check, expediting back immediately, can only be a transfer back to where it came from, it takes 3-5 days, it takes 5-7 days, it takes 10-14 days, it was started on XX/XX/XXXX and approved on XX/XX/XXXX, it was called on XX/XX/XXXX and started on XX/XX/XXXX then approved on XX/XX/XXXX. 
I still don't have my money and now it will take another 3-5 business days. Then when it gets transferred to my Citi Savings, I'm going to have the same issue trying to get my money out. Now on the same phone call, I'm being told that I am getting a paper check and it will take XXXX days.
Product: Credit card or prepaid card

My card had unusual activity on it and Bank of America texted me questioning the activity. I confirmed back to them that the activity was not made by anyone with appropriate access to the card. I also went online and disputed several other transactions. It said the card would be locked. They called but I did not see the call, so I got a voicemail asking me to call back. I have tried to call back several times only to be placed on an endless hold ( over 30 min each time ) before I have to hang up due to other commitments. I told my wife not to use the card anymore as it would be locked. Today she said she accidentally used it and it went through this morning to my surprise. I went out and looked and we are continuing to get fraudulent charges! I again called. Again I was on hold for over 30 min with no answer. I tried to lock the card myself with their online system but that is no longer available either on my mobile or through my computer. They are literally making it impossible for me to get this stopped or fixed. I would be happy to close all accounts with them at this point if I could even do that online or get ahold of them!
Product: Debt collection

I was hospitalized on XX/XX/2017, I XXXX XXXX XXXX and had to have XXXX XXXX. As a XXXX XXXX I am aware of the policies in a hospital. I was brought in via ambulance and was sat in the waiting room for over an hour while my XXXX XXXX XXXX XXXX and I was XXXX. This is a direction violation of federal law EMTALA The Emergency Medical Treatment and Active Labor Act. I immediately notified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   and that I was unable to sit up, this was also conveyed to the nurses, yet I was placed in a wheelchair and sat beside a trashcan in the waiting room because " their XXXX XXXX patients were occupying the ER rooms '' After waiting for an hour in immense pain I asked for a cotton swab and band-aid to remove IV so that I could be taken to receive proper care before I XXXX XXXX XXXX XXXX.   Per their ER MD, had I not raised sand and gotten back there, I could have possibly lost my life. As a XXXX XXXX I was truly disgusted & appalled at the behaviors of the medical staff at this facility. I feel extremely saddened that there are patients that receive this type of care and no one is there to advocate for them. The hospital was paid by my employer & insurance company XXXX and I had to pay a XXXX co-pay. Due to the services received, the negligence of careless, insensitive staff, the violation of federal law, I am not obligated to honor this debt they insist I owe. 
Please take these factors into consideration as I am unable to pay this debt. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX / XXXX XXXX Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

REVVI/MRVBANKS/VT XX/XX/XXXX XXXX CARD XX/XX/XXXX CAP XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX DC XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX BLUEWORLDPOOLS XXXX XX/XX/XXXX SPEEDY CASH/CURO XX/XX/XXXX XXXX CASH/CURO XX/XX/XXXX KLARNA/WEBBANK XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 
The Consumer Reporting Agency states my account was properly investigated however how is that possible if the open date is inaccurate, the date past active is inaccurate, inaccurate balances, reporting late payments, not reflecting on all accounts. 

My rights were violated under 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2 States A Consumer Reporting Agency can not furnish an account without my written instructions. 

This is grounds for removal and I would appreciate it if these accounts are deleted : 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
Product: Debt or credit management

I entered in to a contract with National Debt Relief XX/XX/XXXX to reduce my debt. I paid them {$150.00} per month to negotiate lower payments with my creditors. I was advised to stop paying my bills and ignore creditor calls. I was told that it would take between 120-180 days to negotiate settlements and to forward all creditor correspondence to them. What they didnt explain is that they negotiate lower payments, but dont apply any of the money that you send them until you reach a certain amount. I was told this later in the process. Meanwhile, your credit score is getting worse. On XX/XX/XXXX absolutely nothing was done with the creditors and all of my accounts were in collection status. I was told that the payments that I was sending was being put into a dedicated savings account. Ultimately, I cancelled my account with National Debt Relief. My credit got so bad as a result of dealing with them, that I had to file for bankruptcy, making me worse off than when I secured heir services. I constantly see their ads on social media and I know I can be the only person that was scammed. My credit and my ability to live has been greatly affected by dealing with this unethical company.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Prepaid card

I use a prepaid American Express bluebird card. The card I have is a replacement for the previous card that " had been exposed to a hacker at a retailer I shop at '' ( according to AMEX XXXX. I made a purchase at XXXX and AMEX failed to pay, so the order was cancelled. This happened a second time, but I caught it before the order was cancelled and called AMEX, who in turn, immediately released the money to XXXX. XXXX XXXX, I placed {$20.00} on my card and placed an order at XXXX for ink ( for {$25.00} XXXX, but cancelled it because I needed to order more than just the one. XXXX XXXX, I placed another {$20.00} on the card for a total {$40.00} reload in 2-days time, and what should have been a balance of {$41.00} on the card. Then, on XXXX XXXX, I ordered an ink value pack ( for {$25.00} XXXX. That payment was never paid out to XXXX by AMEX, when requested, even though the money was on the card, and my order was cancelled by XXXX. I called AMEX and they are telling me that they have no idea why the money was n't paid, since it was sitting there on the card and available. Well, before I realized this, I placed another {$20.00} on the card so that I could order the ink again. Then I realized, after placing the order, that there was in the span of this time, between the money placed on the card and money used to purchase items, there is around {$41.00} unaccounted for by AMEX. The case number with them is XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX # has violated my rights. 

15 USC 1681 Section 602 A 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 a account without written consent.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING ACCOUNTS ARE AN ERROR XXXX, XXXXXXXXMISSINGINFORMATION. THIS ACCOUNT WAS NEVER VERIFIED ERRORFRCA 623VIOLATION PLEASE DELETE UNRECOGNIZED ACCOUNT.S : 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 XXXXXXXXI can not find any reocords of doing business with the above companies.
Product: Credit reporting

Since XX/XX/2016 ( almost 6 months ) I have been submitting disputes with Experian regarding XXXX on my credit report. 
Experian keeps sending me letters that they are investigating and reinvestigating these disputes. 
The company ( XXXX ) has failed to provide a verification of debt, failed to provide a Statement of Debt charge off statement. Yet Experian does nothing except keep " investigating the investigation ''. 
In the meantime I am humiliated by credit denials.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I never opened up an account with XXXX XXXX XXXX .. On XX/XX/year> I never opened up an account with XXXXXXXX XXXX  These accounts was fraudulently opened and sold too XXXX XXXX Which is also fraud
Product: Credit reporting or other personal consumer reports

i told them the late payment is not accurate dXXXX also XXXX XXXX
Product: Mortgage

I have had automatic {$1600.00} withdrawals from my bank account for my Bank of America mortgage since inception. Bank of America unilaterally ( supposedly ) shut-off automatic withdrawals effective with the XX/XX/XXXX Mortgage billing statement. All prior statements clearly stated, Scheduled payments ( PayPlan/12 ) - Your next payment of {$1600.00} is posting on XXXX. The XX/XX/XXXX statement ( and all earlier statements XXXX had this note, but the XX/XX/XXXX statement did not. It only stated that I must pay my mortgage before XX/XX/XXXX. <copies attached>. Further, when I went online on XX/XX/XXXX to verify the automatic withdrawal, the online status indicated automatic withdrawals were not active. 

On XX/XX/XXXX I paid my invoice which was due on XX/XX/XXXX. Then Bank of America made an automatic withdrawal on XX/XX/XXXX. To make matters worse, the 2nd payment unlawfully withdrawn by Bank of America, was not applied 100 % to Principal.