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

please delete the following accounts and inquiries. I tried to fixed it so many times. but I never recieved any response from you please delete them all now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 collection

" TrueAccord '' emailed my ex-wife, whom I have been separated from for over eight years regarding a debt that I do not owe. My ex-wife sent screenshots of the email on XXXX XX/XX/XXXX. This was the first time I have been contacted regarding this debt. 

I contacted the company promptly on XXXX XX/XX/XXXX, and they would not speak to me unless I gave them my phone number. I reluctantly gave the operator my phone number, and then she stated that she " could not verify that phone number. '' The number I gave her, my current phone number has been used by me for over three years. Since she could not verify my phone number, she then tried to get me, " verify my address, '' and I refused. The operator would not give me any information, other than agreeing to, " removing us from the contact list. '' The email my ex-wife received states, " This was originally a check written to the XXXX XXXX. This check was presented for payment but dishonored by the bank. XXXX XXXX XXXX, XXXX purchased this debt and has hired our company, TrueAccord to collect the balance due of {$60.00}, plus a returned check fee of {$25.00}. '' I have not used checks in stores since around XXXX. I do not have any outstanding debts that I owe to any businesses. TrueAccord was attempting to fraudulently make pay/responsible for a fake debt.
Product: Checking or savings account

Please refer all my complaints about Keybank. I have a checking and savings bank account with Laurel road bank. It's Keybank. I have my salary direct deposit in this account. Since XXXX XX/XX/2023 I am not able to access this account. 

Whenever i tried to login I am getting this message : This is the message I am getting Your Online Banking account is restricted. To verify your identity and gain access, please call us at XXXX or XXXX XXXXXXXX that i need to call the bank. 

As I have two bank account with Laurel Road - Keybank. Checking ending in XXXX and saving ending in XXXX As per the statements ( attached ) -they charged me {$20.00} overdraft fees on XXXX XX/XX/2023 for no good reasons. 

I asked them to provide me all the statements as I am not able to access it online. Keybank hasnt provided me the statements till this point of time.
Product: Checking or savings account

I AM A VICTIM OF IDENTITY THEFT AND FRAUD BY WELLS FARGO. 
I FILED ON XX/XX/year>, IN WELLS FARGO BANK BRANCH A LEGITIMATE {$65.00} debit card transaction for NO XXXX XXXX XXXX XXXX CELL SERVICE COMPLAINT. 

Wells Fargo send me a SCAM letter on XX/XX/year> and rest SCAM letters with wrong dispute claim numbers is FRAUD. 

No legal response from Merchant from Wells Fargo and XXXX as it is a FORGERY and says cash 3 days later XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account does not belong to me! Account number XXXX and the balance is XXXX. 

XXXX account does not belong to me! Account number XXXX and the balance is XXXX. 

Inquires are fraud as well. Someone attempted to apply for things in my name while I was incarcerated. 

XXXX XXXX Mortgage XXXX XXXX XXXX Small Bus Admin XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one account with Affirm that had five purchases for XXXX to be paid on different days with Affirm. I was recently unemployed-Laid off from my job, I spoke to a representative at Affirm and advised him that I obtained a job and I was going to pay on the loans when I received my first paycheck on XX/XX/2023 and could not make my payments for XXXX, XXXX and XXXX until then. I eventually paid three of the purchases and brought the account to current on XX/XX/2023 and paid the other two purchases to current on XX/XX/2023. However, Affirm reported to credit reporting bureaus on XX/XX/2023 that I owed on all five of these purchases and listed this as five different loans on my credit and bought my credit score down XXXX points. I received no good credit when I was paying Affirm on time, however, when I got behind 90 days, they reported the account five times as five different negative entries instead of just reporting to my credit for one total accumulative balance of all XXXX purchases. They just destroyed 20 years of building good credit over five small increments of XXXX purchases for one bad account. I can't believe the credit bureaus allowed this and I feel this has violated the fair credit reporting act. And the amounts they reported do not even match what was owed. Three of the purchases was paid before they even reported it five times. If anything, there should only have been one reporting for two loans. The three credit bureaus are a for-profit company and is allowing companies like Affirm to destroy people lives and credit score by allowing them to list one Affirm account five times. This has to be illegal, and I will be seeking legal action because I believe Affirm violated my fair credit rights. I want these entries removed off my credit and my score back to current status. This one company took my credit down from good to poor after 15 years of building when they know how difficult it is for XXXX Americans to gain a good credit score with all the systematic laws against us to keep our credit poor to pay high interest rates. This would not have happened to someone else of another race. This was done intentionally to destroy my credit worthiness at such an financially hardship point in my life. The account wasn't even past due 120 days which is the time listed that they will report to credit bureaus through a third part collection agency. Affirm violated FCRA and I seeking resolution asap.
Product: Debt collection

I left XXXX to XXXXXXXX XXXX did not own them any money but they sent me to collection agency.
Product: Credit card or prepaid card

I signed up for the XXXX XXXX XXXX card through Chase when they were advertising a {$300.00} bill credit on your first flight purchase. When we received the card, I called to a live person to activate the card, and I asked the gentleman twice on the phone to confirm that I was receiving the {$300.00} bill credit for the card I was activating, and twice he said yes. Based on that confirmation and in good faith, I booked a XXXX flight to XXXX. When the bill arrived and I noticed the {$300.00} credit was not applied, I called Chase on XXXX at XXXX to inquire, where I was informed I had a different promotion all together. I explained that I signed up for a different promotion, and I followed up when activating the card by asking specifically if I was getting the promotion of the {$300.00} bill credit and purchased the flight on that assurance I was, and she said she would have to send a marketing escalation request ( XXXX ). 

I called Chase again today and and spoke with XXXX XXXX out of the XXXX MO call center, and he advised they closed my claim and mailed me letter. I asked if they had listened to the recorded call when I first activated the card where the person confirmed my offer, and XXXX said they notes he could see indicate that someone did and confirmed my account, and despite that claim was still closed. I advised him the due date of the bill is the XXXX and I am still disputing the offer. He said he can only add a temporary credit of {$300.00} which will allow me to pay the diffrence without penalty, but it could very likely come back at a later time as the credit being rejected and me owing it on the the next bill. He did reopen another escalation.
Product: Debt collection

I previously filed a complaint regarding this matter and received a response from XXXX XXXX that included a COMPLETE FABRICATION. XXXX XXXX asserted that bills were sent to the address verified on my complaint in XX/XX/2020 with no response. That is a complete and bold faced lie. NO COMMUNICATION has been sent to my valid legal address of 7+years in KENTUCKY. I know this because you did not even have my address until I provided it on the complaint in XX/XX/2020, BECAUSE THIS IS NOT MY ACCOUNT, nor did I authorize the use of my personal information to establish it. I am happy to provide an electronic copy of an FTC report ; however, you are not legally permitted to cause me to incur the costs of printing and having the document notarized as IT IS THE RESULT OF IDENTITY THEFT. I will also provide a police report ; however, you should be ashamed of yourselves for requiring me to utilize our first responders time in such a wasteful way as they have much greater concerns to focus on at this time. I alsp have not recieved notice that you have placed a disputed by the consumer comment on my credit reports as a result of my WRITTEN dispute of this debt, another violation of law.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries on my credit report under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I have been a victim of a data breach and identity theft, which resulted in the unauthorized addition of the following accounts and inquiries to my credit file : Accounts to Be Blocked and Deleted : XXXX. 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX XXXX XXXX have been disputed several times to remove inaccuracy where it shows two 60day late payments for XXXX and XXXX. Letter from XXXX was provided and uploaded to credit bureaus website to reflect accurate payment history, and shows there were NO 60 day late payments in XXXX, yet the inaccuracy remained. XXXX XXXX is pointing the finger at the credit bureaus saying its their fault, and credit bureaus are pointing fingers back at XXXX - meanwhile Im stuck with inaccurate information on my report. If official letters and documents are provided to the bureaus from the lender XXXX XXXX XXXX to support my dispute, its the credit bureaus responsibility to use that document and update my report accurately! 
Im now attaching the response letter from XXXX XXXX XXXX from CFPB complaint case XXXX as well as letter that was provided to the bureaus from XXXX XXXX XXXX that will confirm there were NEVER 60 day late payments made in XXXX for my account. Letter also states XXXX never report such information to the credit bureaus. Hopefully this complaint would help resolve the issue.
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A.

States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

XX/XX/XXXX - Applied for Amex Platinum Card with a XXXX point welcome offer ( subject to minimum spend requirements ) XXXX/XXXX/XXXX  - Approved for Amex Platinum Card XX/XX/XXXX - Met minimum spend requirements, however only received XXXX points, XXXX/XXXX/XXXX - Called agent and was asked to submit proof of original offer to agent 's email XXXX/XXXX/XXXXXXXX - Followed up with agent via email ( having received no response ) XX/XX/XXXX - Called again and was told that it was being investigated, however have received no follow up Current status - Still have yet to receive any follow up, and still am missing XXXX points. Have called Amex several times since and have been told that the issue is still 'being investigated ', however this process has been going on for six months with no resolution
Product: Credit card or prepaid card

I was double charged for a purchase on my credit card after also paying for the item with a XXXX gift card. The total amount of the purchase was {$160.00} and paid with {$150.00} gift card and the remaining {$12.00} on my credit card. However, XXXX took the money off the gift card and charged my credit card. 

I contacted XXXX and they said they would reverse the extra credit card charges, but didn't reverse them. Then I submitted a dispute to Citi Cards sending all the receipts and correspondence with XXXX to the credit card company. This includes e-mails from XXXX stating the charges were in error. Citi cards denied my dispute even though XXXX didn't provide any evidence to them about the double charges ( only shipping information on the purchase ). Citi cards said could continue escalate the dispute if I sent them all the information I already sent them again, which I have escalated but shouldn't have had to resend.
Product: Credit reporting or other personal consumer reports

Here is a list of the unauthorized inquiries : XXXX XXXX ( XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian are reporting inaccurately on XXXX XXXX XXXX  account XXXX.After repossession of a car in or aboutXX/XX/XXXX, the account was charged off for {$5800.00} in XX/XX/XXXXThe car had an auction value to reduce the loan indebtedness, yet it is not depicted in the balance histories.The charge off indebtedness increases from {$5800.00} in XX/XX/XXXX to {$9000.00}, the following month in XX/XX/XXXX.After dispute with all 3 bureaus Experian says on the report, {$7100.00} past due inXX/XX/XXXX.In XX/XX/XXXX, the reports of all 3 bureaus say {$9900.00} past due.The Fair Credit Reporting act entitles me and is required by law to be accurate, complete and clearly depicted on my credit report.All 3 bureaus are inaccurate and incomplete in the reporting of the XXXX   account and are required to correct or delete the reporting.That has not been done in any of the previous recent disputes with all 3 bureaus.
Product: Money transfer, virtual currency, or money service

Western Union ( WU ) allowed for my information to be stolen and used online to transfer a vast amount of funds from my CC to a person located in XXXX, the first attempt was successful, the immediate second attempt was rejected by my bank. 

I disputed the transaction using the Chat system WU provides and was told by " XXXX  XXXX. '' that since the funds were already picked up, that there was probably nothing they could do about the incident. 

I was directed by the same person to place a fraud complain online at WU.com, when I did, I continuously received the message that the " MTCN Number '' was a duplicate thus not allowing for me to make the fraud report/complaint online. 

It is not the first time one of WU 's IT suppliers is hacked which causes much suffering on us victims. I have officially lost all of my faith and trust I had in Western Union.
Product: Mortgage

This is a follow up to complaint number XXXX with Bayview Loan Servicing, loan number XXXX. I have filed a appeal of theri decision not to extend me a loan mondification. Explaining in this appeal the reason I had financial issues with the first modification that was out of my control due to employment. I submitted documentation of the changes of employment, and the differences in income ( from a loss of income of almost 8k a year, to rebounding back to the income levels that I had before the modification was in effect. I have been denied by BayView, with conflicting reasoning, on letter stating that they did not have the documentation needed to make a determination by the date stating in the denial letter. And a second letter stating that I was denied for being late on the last payment ( which I did call and attempted to make, and was told by the representative on the XX/XX/XXXX that I could not make the payment, and they would not except a payment. Even though I made the first two payments on time, and one of them 2 weeks early. 

I am submitting the two details letters that was sent within a week of each other giving different reasons for denial. All documentation was givin showing the change in work, and my health issues that cause all of this to take place.
Product: Mortgage

Caliber Home Loans holds my mortgage. In XXXX 2015, they overpaid my state and local property taxes, resulting in an account deficit, and have for months refused to issue the appropriate refund. Due to Caliber 's error I have lost accrued interest and now my escrow amount due was recently increased to my detriment and through no fault of my own. See this e-mail thread for a summary of the problem : Thanks, XXXX. I greatly appreciate your time. Please find a full accounting attached. Please note, that I pay taxes on the unit and the parking space separately, hence the XXXX line items. Respectfully, XXXX and the involved Caliber folks are mistaken. Please escalate this as you see fit. 
At closing, the following payments were made ( see attached HUD-1 ) : Closing - {$1700.00} of {$2500.00} annual tax assessment ( {$1200.00} due XXXX XXXX and {$1200.00} due XXXX XXXX ) Closing - {$190.00} of {$330.00} annual tax assessment ( {$160.00} due XXXX XXXX and {$160.00} due XXXX XXXX ) After closing, in total, I owed the county {$780.00} ( {$2500.00} - {$1700.00} ) and {$140.00} ( {$330.00} - {$190.00} ). 

Please note, that had I not paid taxes at settlement, Caliber 's payments would have been proper. Unfortunately, Caliber overpaid as follows ( see attached Caliber Escrow Report ). 

XXXX - {$1200.00} XXXX - {$160.00} Therefore, exclusive of lost earned interest, I am owed a refund of : {$480.00} ( {$1200.00} - {$780.00} ) and {$21.00} ( {$160.00} - {$140.00} ) Moreover, according to the online Caliber portal, Caliber intends to distribute even more funds in XXXX ( see attached Caliber Escrow Report ). 
Thanks XXXX, XXXX
Product: Debt collection

Morning : A gentleman called and asked for a manager. I replied what is this pertaining to? He stated I am looking for " my name '' then he said a woman that is not me. I said no. Then he says is this " my name '' and I said yes. He continued to say he was a XXXX Processor and I need to deliver papers to you. I asked again what is this regarding? He states I am not able to discuss this with you, I am just the processor. I stated Please send me documentation to this address and I will contact them from there. He stated that they don't send mail. I proceed to say, but you will deliver it? He stated are you at " place of work ''? I said this is a business, do not come here and stop calling. I also said if you show up I will call the police. 

Afternoon : A women called and again asked for a supervisor. I asked yes, what is this regarding? She began to speak aggressively and said is this " my name ''? I said yes and she stated that we need to serve papers to you and I need to get your location to serve you. I stated well what is this pertaining to? She said I can not talk about it that is why I need your location and the processor will serve them to you. I stated that well the gentleman that called said he was just a processor and that you, NCO Financial | Debt Collection Agencies | XXXX, would be able to tell me details. I also stated that I would like this in paper and ail it to me and I would be happy to look over it and go from there. She messed up on her script and said we never send mail because of covid. I said so you personally deliver papers because of covid? I believe she was surprised that I knew what this was about because it isn't the first time someone confused me as the other person. She then started yelling uncontrollably and said that I was ridiculous and said that she will go to the CEO and she would not stop calling. I said you will stop calling and if you or anyone from your business I will call the police. I hung up.
Product: Credit card or prepaid card

Capital One allowed someone else to open this Credit Card in my name Ive contacted them directly, also have contacted all 3 credit bureaus & Capital One has responded to them saying this card belongs to me & it definitely doesnt I never opened this Card.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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