23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advisedI have every intention of following through with this to protect my rights as a consumer. I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiries in question so that you may do as you are governed by the FCRA. I have tried to contact these companies on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. The companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have NO record of me? 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE REACHED OUT TO EXPERIAN, XXXX XXXX XXXX TO NOTIFY THEM OF UNAUTHORIZED ACTIVITY AND IDENTITY THEFT. I HAVE ALSO SUBMITTED AN IDENTITY THEFT REPORT ALONG WITH COPIES OF ID AND SOCIAL AND OTHER VERIFIABLE IDENTITY DOCUMENTS THAT FUTHER SUPPORTS MY COMPLAINT. MY IDENTITY WAS COMPROMISED A TIME BEFORE AND YET HAS NOT BEEN PROTECTED BY BUREAUS NOR HAVE THEY CORRECTED THIS ISSUE. 

EXPERIAN : XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016 ambulance ride to XXXX XXXX XXXX hospital in XXXX XXXX. XXXX XXXX XXXX XXXX XXXX keeps putting on my credit 2 XXXX $ charges. The whole problem with this is that I keep telling them to contact the Louisiana Medicaid office for their payment due to being insured then and continue to be still to this day. They should have long been paid that off. I have disputed a few times but it always randomly comes back but with a more current start date. It is really affecting my life and the ability to make progress in this regressing society with these minute Ill-advised fabricated collections accts/charges. XXXX XXXXl is the collection company that keeps hArassing me about the XXXX XXXX charges. Idk what is so difficult about contacting the dept of Health n hospital or whoever is responsible for paying Medicaid covered patients expenses.I thought our tax dollars also went towards Such. Guess were lied to about that too
Product: Credit reporting or other personal consumer reports

I contacted LexisNexis yesterday at XXXX XXXX  and XXXX XXXX XXXX. I was instructed to contact each one, as many times before concerning information about Bankruptcy reporting. Bankruptcies dont report to the credit bureaus. LexisNexis said they have removed from XXXX XXXX. Then XXXX said LexisNexis is not responding to none of there messages. It is just a back and forth issue between the two companies. XXXX said I did not know what I am talking about. Also, saying no information was received from me. I sent paperwork to them by certified mail and sent by regular mail. These two companies has crooks working for them not knowing what they are doing. Person should not have to keep contacting them so many times. My next step is to contact attorney concerning these two companies.XXXX  sent me paperwork saying they cant verify who I am I sent all that information to them to. Even two bankruptcies.
Product: Checking or savings account

I had my check that was mailed to my utility company stolen out of a US mail box in XXXX XXXX, NY back in XX/XX/2018 and the check was fraudulently altered by someone and was deposited in that persons account into a XXXX  XXXX XXXX. I found out about this incident a month later and immediately notified my bank Citi Bank and they filled a report with there fraud department and they told me that they will investigate and credit me the amount that was taken within 90 days. It is now over 120 days and I have been calling them on a weekly basis and they are not giving me my credit because they are claiming that they are still waiting on XXXX  XXXX XXXX to respond to them, and until they don't respond they can not give me any kind of credit not even a provisional credit. I would like to get this credit from my bank Citi Bank. A copy of the cashed check is attached here for your review. 
My case number with Citi bank is XXXX
Product: Payday loan, title loan, or personal loan

Account number : XXXX. I have previously disputed this loan and it was closed unsatisfactorily. I do not have any legal document binding between myself and the loan company yet they keep calling me and trying to forcefully debit my bank account. I attached the loan agreement they used in closing my previous complaint and on top of the sales invoice it says " XXXX XXXX '' as the seller. XXXX XXXX ( XXXX XXXX XXXX ) is the surgeon that operated on me in XXXX of 2015 and not a loan company. I am not obligated to keep paying Special Financing since I do not have any legal signed document between myself and special financing. I have not received any statement of account from them showing itemized payments that were made in the past. Here are a few other complains that I have about this rip-offs : They have been constantly harassing myself and my relatives with several phone calls. This phone calls are embarrassing and should stop. The company in question is special financing company and they are ripping me off every dollar I get with outrageous interest and fees. I received a medical loan of {$3000.00} on XXXX/2015 and they heaped up additional fee of {$2000.00} and the loan keeps going up every day because of their greed. I have proof that the company paid less than {$3000.00} to the surgeons office ( XXXX XXXX XXXX ). I am drowning in financial crises because they have refused to give me an accurate written breakdown of my payments nor did they inform me that my loan of {$3000.00} was going to be bumped up to {$5000.00}. There are also additional hidden fees and late payment charges attached to the {$5000.00}. This is more like a rip off and no one should be subjected to such trauma. I am tired of living in debt to fulfill their outrageous monthly obligations. Please look into this complaint on the fraudulent actions.
Product: Mortgage

Upon the of sale our home in the state of XXXX and intent to move and purchase another home in the state of XXXX. We asked our lender at the time, Flagstar Bank, to help us with this new purchase since they were 1 ) servicing our current mortgage in XXXX and 2 ) approved us for a re-finance in XXXX. I believed it would be an easy process seeing that they had all of my financial information in their system. XXXX XXXX XXXX, a Loan Originator at Flagstar, did prepare a pre-approval letter for my new home purchase in XXXX on XX/XX/21. On XX/XX/21 I began the search for a home in XXXX On XX/XX/21 I wrote an offer on a home and that offer was accepted on XX/XX/21. The offer was accepted based on the proof of funds from the sale of my home in XXXX, 1 % earnest deposit of {$4800.00} and updated pre-approval letter dated XX/XX/21. The updated pre-approval letter was provided by XXXX XXXX with a new loan amount from Flagstar that reflected the purchase price of the new home. Escrow was opened on XX/XX/21 and XXXX XXXX XXXX, Loan Processor at Flagstar began to ask for financial documents and for me to prove my legal citizenship and other personal documents from my son also due to his student loan. XXXX XXXX continued to ask for these types of documents and letters of explanation throughout the entire time, leading me to believe I was going to secure a loan. I was the Realtor representing myself and my husband in the transaction and was observant of the contingency time lines, as contingencies are set in place to protect the buyer 's best interest during the transaction. I did my best to communicate with XXXX XXXX and XXXX XXXX of Flagstar and continually provided them with the personal and financial documents they requested. This led me to believe that we would be able to secure this loan. They did not inform me that our loan with Flagstar had been denied on XX/XX/21. The last date to withdrawal my offer due to a loan contingency and not lose my earnest deposit of {$4800.00} was on XX/XX/21. I was finally informed that I was not able to secure a loan from Flagstar on XX/XX/21, the day before we were to close on the purchase and well past the loan contingency date. This then resulted in a direct violation of the contract and I was forced to forfeit my earnest deposit of {$4800.00} to the seller solely due to Flagstar 's negligence and failure to inform me to withdraw my offer. Flagstar had 13 days to inform me that our loan was denied. I believe that Flagstar is responsible for giving mw my earnest deposit that I lost in the amount of {$4800.00}.
Product: Credit reporting

Equifax takes ONLY the corrupt institutions ' word for whether or not an account is mine or not.
Product: Money transfer, virtual currency, or money service

On XXXX the XXXX I went to my local XXXX and did a cash load to my PayPal balance in the amount of {$400.00} I was only credited XXXX to my PayPal balance I disputed this with my local XXXX XXXX never gave me a resolution so I started a dispute with PayPal PayPal has given me the runaround for 25 days now I have provided PayPal with my receipt showing proof of my {$400.00} cash load and showing proof of that only XXXX was credited my account PayPal 's customer service is misleading information deceptive information that I've received on multiple occasions there is no justification for the neglectful treatment that I've received from PayPal I provided PayPal with the receipt with conversations that I had with XXXX and I continuously get nowhere with them .. PayPal has also charged me for this claim {$15.00} why am I going to be charged {$15.00} when I'm disputing my missing money does that make sense
Product: Checking or savings account

first off this was from a paypal buisness account debit card i had for several years. 
i am an american, so have an american account, but the issue was due to a charge in XXXX. 
i rented a storage unit for 1 month $ XXXXusd, they had an ad that said they will move your stuff in free, after i rented it i asked when can the truck come for my stuff, they said it was busy for 6-8 weeks. then they closed for the day. 
i called paypal to explain the situation, i even sent in photos of the add stating they would move your stuff in, paypal said no problem, they would reverse the transaction, and gave me access to the XXXX again. approx 6 weeks later i learned they reviewed the transaction and reversed it because they have different rules for online transactions and in person card transactions-yet no one can provide me with those rules. 
they said i needed to go into the store i purchased my product from, and request a refund 1st. i gladly would have done that had it been in the month i paid for, no business would refund you for a period of time you paid for, a month after that has expired. 
i have called, every person on the phone agrees with me, but says i will never win my appeals ( i didnt ) they offered to eat XXXX if i payed the other XXXX, but they didnt credit my account with the money. 
considering i used to sell on XXXX, this has been a huge hit to my income as i am no longer allowed to have a paypal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section XXXX ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Product: Credit card

In XXXX XXXX XXXX there were 2 Fraudulent Charges on my Chase XXXX Credit Card from the Company named " XXXX  ''. I did not notice these charges immediately, and I admit I wasn't managing my account like I needed to. I had no purchase Alerts or Fraud Alerts set on my account, but was just paying monthly bills and trying to build business credit. In XXXX of 2023 I noticed the 2 Fraudulent Charges in the amount of XXXX, and XXXX totaling XXXX. I called Chase and said these charges were fraudulent, and Chase later told me that I did not report these in the correct number of months, so they assumed I had a previous relationship with this Client. I have contacted my Local Police Department at XXXX, and they will be giving me a Report # once Chase has given me a final decision. The case has been opened up again per a representative that I talked with this morning from Chase Bank. I would please like the XXXX reversed back into my Card account as a Credit and not a purchase. I would like original documentation and signatures provided for proof.
Product: Credit card

I was charged {$1.00} from " XXXX XXXX '' on my Macy 's credit card. I never enrolled in life insurance with them, and have n't seen this charge before. It is considered a " credit life insurance fee ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

the XXXX bank account # XXXX that's reporting on my credit report has inaccuracies that makes this report invalid ... date last active XXXX XX/XX/XXXX XXXX XX/XX/XXXX / equifax XX/XX/XXXX... 
DELETE THIS INACCURATE DERAGATORY REPORT THATS HURTING MY CREDIT REPORT...
Product: Mortgage

In XX/XX/2019 I opened a new mortgage with Guaranteed Rate Affinity, which was later transferred to Guaranteed Rate. 

I received my first billing statement, dated XX/XX/2019, for XX/XX/XXXX, for the amount of {$1600.00}. The company address was listed as XXXX XXXX XXXX XXXX XXXX, IL XXXX. I paid this amount over the phone ( XXXX ) and received a receipt for the payment on XX/XX/2019. I received my second billing statement, dated XX/XX/2019, for XX/XX/XXXX, for the amount of {$1600.00}, which I paid over the phone and received a receipt for on XX/XX/2019. Same company address, same phone number. This second billing statement showed a new loan number, and also reflected my previous payment. 

On XX/XX/2019 I received a third billing statement dated XX/XX/2019 and debt collection notice. The company address was listed as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX. The third statement said my account was delinquent and overdue by {$3200.00}. It also referenced yet another new loan number. All billing statements were titled as originating from Guaranteed Rate. 

On Thursday morning, XX/XX/2019, I called the number on the third billing statement ( XXXX ) and was transferred to their debt collections department. The person on the phone indicated that they were a sub-servicer and had just received the mortgage with no prior payment information, and that my account was delinquent {$3200.00}. I was asked to fax over " Source of Receipt '' documents from my bank showing the payments, which I did Thursday night. 

I also contacted the original loan officer at Guaranteed Rate Affinity and emailed her all billing statements and receipts. On Saturday, XX/XX/2019, that loan officer said she forwarded the information to a manger in her servicing department. 

On XX/XX/2019, I called the phone number from the third billing statement and was immediately connected with the debt collections department. The person on the phone confirmed receipt of the Source of Receipt documents via fax, and said she forwarded the documents to her research department. She still showed my account as delinquent by {$3200.00}. While on the phone, I made a third payment for the month of XX/XX/XXXX, for the amount of {$1600.00}. I was then transferred to customer service representative. This representative told me that they would look into the matter, but it may take some time to apply the prior payments to my account. She said that the payment I just made was applied as a XX/XX/XXXX payment. She also said that unless I made another payment by XX/XX/XXXX to cover for XX/XX/XXXX, late payment remarks would be published to the credit bureaus. 

Over the last few days, I've received daily letters of threats of foreclosure.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX, Transunion, and XXXX via dispute by mail to only receive a response stating that the dispute was not done by me, which is false. I notified all 3 bureaus that I never had credit before and that I always paid cash for everything and now that I am older and most things/creditors require you to have credit, after obtaining a copy of my copy report only to find out that someone has been fraudulently using my credit already. I requested that the bureaus remove the fraudulent information from my report which is XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX which has been has been assigned to 2 different collections ( XXXX XXXX and XXXX XXXX, XXXX ) that are not authorized to collect debts in the state of Tennessee. I filed a Identity Theft report with the Federal Trade Commission which is attached along with proof of the collections company that are not licensed in the state of Tennessee.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my previous attempt to address the presence of fraudulent items on my credit report. 

Despite my initial request, the fraudulent items remain unresolved, posing a significant threat to my financial credibility and well-being. It is imperative to remove these unauthorized entries promptly to ensure the accuracy and integrity of my credit report. 

I kindly urge you to prioritize this matter and take immediate action to remove the fraudulent items from my credit report. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I received a letter today, dated XXXX XXXX, 2016, from Chase bank saying that I had applied for an Amazon.com visa signature credit card. This is totally incorrect and someone is trying to fraudulently apply for a credit card in my name. I would like Chase bank to investigate how this happened, and REMOVE this request from my credit history immediately, as I wish to apply for a loan from another bank. 

I would like a confirmation email that this request has been complied with.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. The account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. The account that I am asking to have verified for accuracy is : XXXX XXXX XXXX with an open date of XX/XX/year>. Account # is not listed on ANY of my credit reports.
Product: Checking or savings account

About a year ago, I opened a joint checking account for my son when he was XXXX XXXX XXXX. A couple of months ago, some suspicious checks were deposited into his account, which neither of us were aware of. We decided to wait and see if the issue would resolve itself. However, the checks did not clear, and instead, the bank closed and froze my son 's account. 

When I contacted the bank, they informed me that my son is permanently banned from reopening an account with them under his name. My son has done nothing wrong, and I dont understand why he is being held responsible for this suspicious online/mobile activity. 

We need assistance in resolving this issue, unfreezing his name and Social Security number with this bank, and clearing any negative impact from his credit history. Please help.
Product: Mortgage

It appears in the concern regarding my professional license, Wells Fargo did not confirm that the check sent to the Virginia Board of Nursing XXXX Treasurer of Virginia had been cashed as stated by my personal bank but instead asked me for the account number. I, XXXX XXXX XXXX ( XXXX XXXX ) does not have anyone 's banking information other than my own and I specifically stated my personal bank confirmed the check had been cashed but the Virginia Board of Nursing has not provided me with a license or scheduled a hearing, updated orders, etc. I, XXXX XXXX XXXX ( XXXX XXXX ) further stated that the revocation of my license is due to my refusal to give up property ; specifically my property in XXXX XXXX XXXX XXXX, VA as well as heirship property in XXXX XXXX, VA. In regards to the XXXX XXXX XXXX, Wells Fargo asked for an address that has been updated to match the name of XXXX XXXX and XXXX XXXX but again tried to place blame that XXXX XXXX XXXX did not disclose this information. However, XXXX XXXX XXXX did disclose during the application process that lasted months that she had heirship property in XXXX XXXX, VA and that was her original site to build. Even if she didn't disclose this, it is the responsibility of Wells Fargo and others to do a title search at their expense to determine ownership. Wells Fargo concluded that they were not going to help get the license of XXXX XXXX XXXX XXXX XXXX back and that is the reason for the initial complaint in the first place due to the use of force by agencies to take property and license when XXXX XXXX XXXX refused to give them up. XXXX XXXX XXXX ( XXXX XXXX ) filed an insurance claim against her homeowner 's insurance policy to recover both her land and money as well as loss wages that Wells Fargo is either denying she has a right to or that they allegedly did not receive pre-petition, during petition, and post petition bankruptcy.