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

I was looking at my credit report on XX/XX/XXXX where I had noticed inaccurate Information. They are saying a XXXX XXXX  I had applied for 2 things. I did not do anything with anything with XXXX XXXX. I never signed anything. Have No idea what they are talking about. 

They are giving me hard inquires on XX/XX/XXXX and XX/XX/XXXX. This Is totally Inaccurate and fraud. I never signed anything and this was never authorized by me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX Equifax Information Services , LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Dear Equifax I see that you verified the account listed below : XXXX XXXX : Account number : XXXX, Inaccurate. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX  XXXX : Account number : XXXX, Inaccurate. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Inaccurate. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX : Account number : XXXX, Inaccurate. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Prepaid card

I signed up to have my Social Security check deposited onto the Direct Express card with my first deposit on XXXX XXXX 2015. I had received no card in the mail and on XX/XX/XXXX called them and found out that my information had been used fraudulently. Someone had ordered a card and it was caught shortly after by their fraud dept and cancelled and my account frozen. They never contacted me and admitted that they were at fault for not doing so. I was told I needed to go the Social Security office and file an MOU. I did, and was helped by XXXX XXXX who contacted Direct Express. She spoke with XXXX who agreed to send me a new card via XXXX expedited and that I would n't be charged for the shipping. I was told to call them back later that day and answer the security questions again to remove the freeze. I had already done the questions two times earlier that day and passed but did it again when I got home. I did get the card in two days and was able to pay my bills however, I was charged the shipping. I called back on XXXX XXXX and was told they were requesting a refund. As of today, it was not posted. I called again and was told that they had called me and I answered but hung up therefore they closed the ticket and I would n't receive the refund. That is a lie. If they had called me I would not have hung up. It is possible that a call came through where they were completely silent and I hung up after saying Hello, Hello with no response. I do n't remember that happening in past week but it 's possible. But, why would that cancel my refund for something that was never to be charged in the first place? Preposterous! I asked to speak to a supervisor and she told me I was wasting her time and being argumentative. I asked to speak to someone above her, she said NO. I asked to file an official complaint, she said NO. She was the antithesis of helpful. There are no other avenues for me to file a complaint. I have found out since XX/XX/XXXX, that there are a huge number of people who have had the exact same thing happen. Online, there are XXXX complaints of people having their information stolen, cards requested fraudulently and the maddening response from Direct Express who seem to find glee in treating us terribly. They never gave me a concrete answer if they were going to investigate the criminals who were attempting to steal my identity and money. From the number and similarity of stories of people just like me along with the comments from Social Security that this card has had a massive surge in fraud complaints, I think a thorough investigation of Direct Express needs to be done as there seems to be a high probability of an inside job. I also want a refund of the shipping charges. I also want to know what is being done to find the perpetrators of my fraud. I told them multiple times that the phone number and email address they had on file for me prior to XXXX XXXX belonged to the criminals. I verified my information and passed all security tests several times. This entire situation is beyond a nightmare!
Product: Checking or savings account

on XXXX XXXX the bank charged my account two times which was not authorized by me and alleged sent to my gas company no r was it sent to my gas company in XXXX they charged my account two times as mortgage payment which was already paid my a mortgage payment i did not authorize the double payment they did the same for XXXX XXXX XXXX XXXX
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further I certify that XXXX XXXX permitted by FEDERAL and STATE law to file this dispute. I also understand that knowing and willful MISSTATEMENTS or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods services or money, and was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX  ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Credit reporting or other personal consumer reports

My Trust has informed EXPERIAN PLC that they are not authorized to report any transactions on my report pursuant to 15 U.S.C. 1681b ( 2 ). I never gave written consent. They have no permissible purpose! I also have requested that they follow all instructions that were issued by my Trust immediately! EXPERIAN has a copy of my Trusts Form 56, and Durable power of Attorney. EXPERIAN must provide the signed Affidavit along with an original Form SSA-89 with wetted signatures that authorize the release of information.
Product: Consumer Loan

I have an auto loan with Santander Consumer USA. I have a XX/XX/XXXX XXXX XXXX I made and it was taken out on XX/XX/XXXX ( I Have my proof to show that a payment was made ) However they saying the las payment was posted on XXXX XXXX. A really nice rep helped me out and informed me that it was thier mistake because they applied it to the wrong account. Now it seems like I 'm paying for thier mistake and no one is contacting me back and to make matters worst they reported it late to the credit bureau. I 'm asking if someone can please call my asap in regards to this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX
Product: Debt collection

I sent a certified letter to national credit systems inc. on  XX/XX/2018 the letter demanding the information below ; : Your reference number : National Credit Systems # XXXX To Whom It May Concern : Per the FDCPA I demand validation of any debt you claim I owe your company and demand you provide me with all of the following ; 1. You have purchased or were assigned the debt and provide full chain of assignment.

2. The amount you paid for the debt 3. The full accounting of the transaction history ; every charge, every interest charge and any other charges and fees, and the date ( s ) on which they occurred, for the entire life of the alleged debt.

4. That the debt is not time barred 5. Original Contract between myself and the Original creditor with my signature and an authorized signature from an employee of National Credit Systems, all pages, both sides, or a certified copy 6. Original Contract between myself and National Credit Systems with my signature and an authorized signature from the employee of National Credit Systems, all pages, both sides, or a certified copy.

I do not believe I owe your company anything and dispute I owe your company anything. Pursuant to the FDCPA, you are immediately stop all collection activity and delete ant reference of this alleged debt from my credit report ( s ).

Under no circumstances do I authorized you or give your company consent to furnish any information to my credit report ( s ) nor take any action that would result in an inquiry on my credit report ( s ) from your company.

Provide to me, in writing, the demanded validation information listed above. If you can not provide everything you are to immediately and permanently delete all reference of this account from all of my credit report ( s ) and send me confirmation this has been done.

They responded with a lease that was auto signature Which is not my signature. They did not provide all 6 documentation that I needed. I sent them a fraud packet along with my lease, drivers license and police report and they still stating that its verified without showing any proof that I owe National Credit Statems. I am demanding for this to be deleted right away
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX & XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, has violated my rights. 15 USC 1681 a ( 2 ) A ( i ) states that transactions are not included in the consumer report. 15 USC 1681 Section 602 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 my written instructions. 15 USC 1666B : A creditor may not treat a payment on credit card account under an open ended consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I have three late payments that were reported the three credit bureaus on XXXX, 2014 and XXXX, 2014 and XXXX, 2014 that I am sincerely begging to be removed, besides those three payments that was sent out the the Bureaus I've been on time ever since and have continue to work extremely hard to pay off this credit card in which is almost paid off. I have contacted them via email and certified mail with a goodwill letter and they weren't willing to change the status nor help me. During that time, I was on a field op in XXXX, AZ while in the XXXX XXXX. I was unable to make payments at that time due to not having internet service or cell phone reception. I have not been late since and have continued to pay on time since then and of course I will continue to do so.
Product: Credit reporting or other personal consumer reports

I am a known victim of identity theft. I recently learned this because I checked my credit and there is a few accounts that did not being to or were opened by me and are fraudulent. I sent all of the information to the credit bureaus and they have done absolutely nothing to help me. It has been over XXXX days now and they have not even responded to me at all. Please assist me. I know this is illegal and it not right.
Product: Mortgage

I applied for a mortgage refinance with AmeriSave in XXXX and paid the application fee of {$500.00} on XX/XX/2020. For the next several months, I provided all of the information requested to AmeriSave, often providing the same information multiple times as they repeatedly asked for the same information. At the beginning of the process, I asked if the interest rate and points were locked and Ms. XXXX told me they could not " technically '' lock those rates at that time but that they would not increase prior to closing. Throughout the process, I repeatedly asked for a closing date and Ms. XXXX never responded. Finally, on XX/XX/2020, I complained about the length of time that the process had taken and demanded that they make a decision by XX/XX/2020 or close the application and refund our application fee. I received no response from Ms. XXXX or anyone at AmeriSave. On XX/XX/2020, I advised AmeriSave that our application should be considered withdrawn and asked for a refund of the application fee. That same day Ms. XXXX responded and claimed they were overworked and that the fee was not refundable and gave no date for closing. On XX/XX/XXXX, we responded that AmeriSave did not appear to be acting in good faith but that we would wait until XX/XX/2020 to close the loan but if they did not perform by that date, we demanded that they return our application fee. There was no response to that email. On XX/XX/2020, Ms. XXXX sent an email indicating AmeriSave had updated disclosures. The disclosures reflected an additional 2 points that were not part of the original proposal. This disclosure of new fees was buried in the new disclosure documents. It appears that Ms. XXXX and AmeriSave are engaging in a bait and switch process and likely never intended to make the loan to us that they had proposed in XXXX.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX  XX/XX/year>
Product: Credit card or prepaid card

On XX/XX/XXXX my bill for account SYNCB/WALMART ( XXXX XXXX. XXXX, XXXX ) did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Debt collection

I XXXX XXXX, a federally protected consumer, and I am making this complaint against Windham professionals INC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. On XXXX XXXX Windham professionals INC sent two letter stating an alleged debt was owed to them a total of {$3000.00}. In a conspiracy with XXXX XXXX XXXX XXXX to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. Windham professionals INC has violated my rights under HIPPA in the attempt to collect and alleged debt they have illegally received my health Information with disregards for my rights to privacy. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. On XXXX 2022 request for validation & verification was demanded and ignored. An XXXX attempt was sent on XXXX XX/XX/2022 certified mail and was confirmed delivered XXXX XXXX. Windham professionals INC has failed to rebutt the affidavit. Please provide me with documentary evidence of the obligors consent given to be contacted or Hippa Information to be attained. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently alleging this debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Windham professionals INC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Windham professionals INC, continues its collection efforts, I will file for litigation for actual damages caused and Windham professionals INC, shall be liable for violations of XXXX, FCRA, XXXX, XXXX, the XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX FTC XXXX and XXXX XXXX. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Checking or savings account

Incident Report # XXXX Bank of America Claim # XXXX This issue is simple. {$2000.00} was wrongfully and illegally withdrawn from my account via two separate ATM transactions, each for {$1000.00}. The first on XX/XX/2020, the second on XX/XX/2020. 

On XX/XX/2020, I spoke with Bank of America in regards to this incident, informing them the transactions were not authorized, and were fraudulent. 

On XX/XX/2020, I spoke with XXXX, a Bank of America representative. She informed me that the two transactions I had complained about where made at the following locations listed below. I was never in those locations and in fact not even in XXXX XXXX on those dates. These withdrawals occurred in the city of XXXX XXXX, in XXXX XXXX County, State of California. I live in XXXX County, and have not traveled to the city of XXXX XXXX at any time during this entire year. 

Nothing was done for me from that point. 

I faxed an Appeal to Bank of America on XX/XX/2020. Attached to this complaint as Exhibit A is the Appeal I faxed on XX/XX/2020 XXXX XXXX. 

I filed an official complaint with the XXXX County Sheriffs Department. Officer XXXX ( XXXX ) took my incident report on XX/XX/2020, at XXXX. 

I followed up on this official police report via email on XX/XX/2020 XXXX. Again I requested Officer XXXX to update me. No update was provided. 

On claimed they have sent my file to escalations on XX/XX/2020. I have not received any updated information from BofA on this. 

On the last call on XX/XX/2020 to Bank of America, their representative claimed they no longer even recognize the incident as existing. 

I have researched the law, and obtained assistance with addressing some of the legal portions of this situation. The Electronic Fund Transfer Act ( EFTA ), protects electronic funds transfers ( EFTs ) in bank accounts. My debit card is protected because it pulls directly from my checking account. Under the EFTA, Bank of America, N.A., had 10 days to investigate my claim and make or temporarily credit my account ( known as a provisional credit. ) They did not do so, and they have since literally erased my claim. 

In compliance with 12 C.F.R. 1026.13, I drafted and mailed a letter so that it reaches the creditor within 60 days after the first bill showing the unauthorized charge. 

The only way Bank of America, N.A. could have reasonably dropped my claim and refused to reimburse me is if I had failed to notify the bank within 60 days after my bank statement was mailed me you listing the unauthorized withdrawals. ( 15 U.S. Code 1693g ). 

IT HAS NOT EVEN BEEN 60 DAYS SINCE THE TWO FRAUDULENT WITHDRAWALS FROM MY ACCOUNT. THUS, BANK OF AMERICA, N.A., HAS NO LEGAL BASIS UPON WHICH TO SIMPLY CEASE RECOGNIZING MY CLAIM AND REFUSING TO PROCEED ACCORDING TO ESTABLISHED PROCESSES AND PROCEDURES WHEN A CUSTOMER REPORTS FRAUD ON THEIR ACCOUNT WHICH HAS OCCURRED THROUGH ONE OR MORE ATMS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent Accounts/ Inquires 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 -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -US DEPT OF ED/XXXX XXXX