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

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are still reporting on my Credit Reports and need to delete immediately. 
Wrong Name : XXXX XXXX XXXX XXXX XXXX Wrong Addcress : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report indicates accounts and car loans/leases that do not belong to me. Addresses an names. personal information that is incorrect an misleading used to obtain credit, please start a re-investigation an update the incorrect information thats on my credit report! This is causing undie XXXX XXXX  to me and my family in a global pandemic.
Product: Credit reporting

I have disputed with TransunionXXXX, about their practices of putting stuff on my credit report. I wanted proof from all on how they verified that these accounts belong to me. I have instances where XXXX of the accounts stated they only verified that XXXX digits of my SS # and the debt was listed on all XXXX of my accounts. I only proof that I will accept from all XXXX of these credit bureaus is a signature showing my name where I requested credit from each of these debtors. Using the XXXX digits of my social security is not enough. If they ca n't or have not verified with a copy of my signature on the original loan, credit card or whatever I want the charges removed from all three credit bureaus. I have attached the accounts in questions, XXXX ( XXXX credit cards ), XXXX XXXX ( XXXX credit cards ). As you can tell XXXX XXXX shows that I made a payment on XXXX and I do n't even have a credit card with them.
Product: Debt collection

ACE XXXX XXXX To : ACE XXXX Thu, XX/XX/XXXX at XXXX XXXX  CUSTOMER ID : XXXX CASE FILE # : XXXX LOAN INFORMATION PAST DUE AMOUNT - {$930.00} CREDITOR - ACE CASH SERVICE This is to inform you that Legal Proceedings have been issued on your Docket Number XXXX with one of Cash Advance Company in order to notify you that after making calls to you on your phone number we were unable to get hold of you. That is the main reason the Accounting Department of XXXX XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 

You are going to be legally prosecuted in the Courthouse within a couple of days. Your S.S.N is to be put on hold by the US Government, so before it happens we would like to notify you about this matter. 

Consider it is a final warning from our side. And we will be Emailing/ Fax this issue to your current employer to make sure that they take strict action against you. Your salary wages will be garnished too.

THERE ARE 3 SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Right Now We must have to proceed legally against you and your SSN, once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and then, the lawsuit will be the next step which will be cost to you {$4000.00} and will be totally levied upon you. If you want to take care of this out of the court then we will release the clearance certificate from the court and we will make sure that no one will contact you in the future. 

Let us know what is your intention towards this matter so we can put this case on hold else we will submit the paperwork to your local sheriff department and you will get court summons at your doorstep. 

WE ARE GOING TO REPORT ALL INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. DELAYED PAYMENTS, FAILED PAYMENTS, OR OTHER FAULTS IN YOUR ACCOUNT WILL BE REFLECTED IN YOUR CREDIT REPORT. 

TERMS & CONDITIONS YOU AGREED. 

If you want to resolve this matter then direct contact us thru email or call at ( XXXX ) -XXXX-XXXX  between working hours XXXX XXXX  to XXXX XXXX  ( EST ). 



In order to resolve this you can contact us at XXXX or E-mail us back onto the same email. 

Best Wishes ACE CASH SERVICES Phone ( XXXX ) -XXXX-XXXX  Department of Law & Enforcement ( XXXX ) Terms of use | Privacy Statement Note : This Communication is from Debt collector. This is an attempt to collect debt. Any Information obtained will be subjected to that Purpose only.
Product: Debt collection

I moved in XXXX and disconnected my cable service with XXXX. There was a last bill and my daughter was still in XXXX and said she was going to pay the bill. She forgot to pay it and I finally learned of this a couple of months after the fact and I then began making payments to resolve this matter. XXXX has been paid in full and this can easily be verified.
Product: Debt collection

I have received repeated missed calls from this phone number. I was able to call them back but they wouldn't tell me anything yet only give me a name that is similar to mine. They will not tell me what or who the debt is from to verify they are a real company or not. I specified that they need to send me something in the mail because of fraud these days. I am not willing to provide any personal information to someone I do not know what it is in regards to simply for them to tell me it's the correct info and save it to use it. I specified that it is my right by federal law to request that they send me something in the mail because I have not received anything in the mail that I owe I haven't paid and check my credit daily and have no debts in collections. The supervisor refused to cooperate in communicating whether or not they would send communication out to whatever address they have on file and refused to give me any information to prove this was legitimate. I looked up the company which they said was credit management control and the supervisors name was XXXX. I spoke with him twice as I specified that if I do not receive proper assistance according to the Fair Debt Collection Practices Act and that, if necessary I would file a complaint of them not being compliant in providing me with proper information for my safety. I was told to do whatever I felt I needed to do so, here I am. My credit report does not reflect any collections nor do I allow things to get that far as I am employed and so is my husband. I told them this doesn't sound right and they refused assistance.
Product: Debt collection

I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists. This account remains on my credit file but needs to be removed at once.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX high yield interest savings accounts. Capital One misrepresented the XXXX XXXX accounts as having XXXX of the nations highest rates, yet failed to notify account holders about the superior rates offered by XXXX XXXX XXXXXXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer financial protection act and the truth in savings act. I seek to redress for the misleading practices and failure to fulfill their advertised promises.
Product: Mortgage

XXXX # XXXX Name XXXX XXXX XXXX. 
I had a loan modification with XXXX XXXX. AT the time XXXX  XXXX was collecting escrow for real estate taxes and Insurance. After the modification was approved the loan was sold to XXXX XXXX XXXX and I is currently being serviced by XXXX XXXX. 
I have 3 main issues ( besides the fact that their customer service is terrible and I can never get a straight answer from anyone I speak to ) 1. Where is the money that XXXX  XXXX collected for escrow ( insurance and taxes )? It has not been applied to my loan ( or reimbursed to me ) and I paid the insurance and taxes for XXXX and the XXXX taxes have not been paid ( I paid the XXXX insurance ) 2. XXXX agreed to waive my insurance escrow ( since I paid the insurance ) and they were suppose to reduce the escrow for the insurance from my monthly payment ( they did it for one month and then charged me escrow the next ). Now I paid the Insurance and they are still collecting escrow for both insurance and taxes. 
3. I signed up for their electronic payment and they charged me two mortgage payments in one month ( even though I was not behind ) then had the audacity to charge me late fees. I finally got it resolved ( through multiple letters and phone calls ) but now they charge me different amounts every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

We moved out of our apartment on XX/XX/2017 and were protected from shutoff due to an ill family member who is XXXX and her XXXX needed to be refrigerated and we were experiencing financial difficulties. We provided our doctor 's certification and were protected from shutoff off since we moved in. At the time of move out our balance was {$1200.00}. We spoke to XXXX XXXX and they informed us that if we began to make payments of {$100.00} or more, we would not be sent to collections. We began to pay more than {$100.00} or more every month after move out. However, I noticed on my credit report that XXXX XXXX although receiving monthly payments directly from me, sent our account to collections and reported it the account as write off damaging my perfect credit affecting my chances of obtaining a home. We have never dealt with any collection agency and have been making payments before this account was written off.
Product: Mortgage

My mortgage was originated in XXXX of XXXX at SecurityNational Mortgage. Shortly after that my family had a hardship that qualified for forbearance. The only reason we entered into the forbearance with the servicer at that time was because we were told on multiple occasions that at the end of my program we would be given 3 different options for repayment. The one i had chosen was to have my past payments pushed to the end of my loan and begin making updated monthly payments that would include the increased escrow shortage amount. 3 days prior to the expiration of my program i was informed while calling in to set this up for reinstatement that my loan had been sold to another servicer ( back to SecurityNational Mortgage ) and they were completely unwilling to help me. I was BAIT AND SWITCHED and forced into a forbearance with options and then all of that was taken away from me and now foreclosure has been threatened. As you will see i have made multiple pleas and attempts to work this out with the company and even emailed the President and CEO and still can not get understanding for the BAIT AND SWITCH hardship they have caused me by their deceit and lies with the forbearance practice.
Product: Credit card or prepaid card

In XX/XX/2020 I contacted BofA to report unfamiliar charges on my credit card for the total sum of {$500.00} dollars all from a company called XXXX  and all in consumable takeout food. I am XXXX years old and have been a client of BoA for 11 years and never have I charged {$500.00} dollars in takeout food or any food services. I reported the FRAUD to BoA right away and charges were initially reviewed. BofA Fraud claimed that the charges were valid only because XXXX dispensed the food to someone ( not me ), They did not investigate where the deliveries were made to or signatures or anything else. The investigation was poor at best. Never was I called texted, emailed, or letter received to reflect the decision. I called BoA and foud. out that way. Reopened the second complaint of XXXX  and to this date have never had I received a phone call from BofA to express their decision of accusing me of committing this fraud. I was devasted, and it was affecting my credit. In an effort to save y credit I have been paying minimum amounts just to save my credit. BoA is at fault for not removing these charges and leaving my account at its maximum credit limit of XXXX when I never charged those charges and after 11 years they rather believe and side with the merchant than with me as the victim.
Product: Credit reporting

I have a monthly payment agreement with social security, not a third party collection agency, to pay the full amount of their overpayment. I have been making monthly payments since XXXX of 2014. Experian shows failure to pay every month despite these payments resulting in a very low credit score. I disputed this with Experian in XXXX ( spoke with XXXX ) and provided proof of the monthly payments. I received XXXX reports XXXX XXXX stating Experian is not able to make changes to my credit report until they contact Social Security. I called Experian today and spoke with XXXX again. She said that social security responded to their dispute inquiries on XXXX XXXX, told them my most recent payment was XXXX XXXX, but is still reporting that it is a collection account and that it was sent to collections for non-payment. So I called Social Security today and spoke with XXXX. She said that on their end, once it is reported is stays on her record until it is paid or for seven years, but she does not know how the credit agency reports it. She also stated it was not up to social security how it gets reported by Experian, but she would have thought it would show payments for the months I made payments. She also said I might want to try talking to someone else at Experian. I do n't understand how Experian can continue to report non-payments every month when I am making payments every month to social security directly and paying the full amount owed. This has had a huge negative affect on my credit score. I am attaching the documents I sent to Experian when I filed the initial dispute. I am also including a screen shot of my Experian report that shows when you hover over XXXX of the months it shows " failure to pay. '' This is for XXXX of the months included in the statements I provided to Experian verifying payment which I also attached.
Product: Credit card

Somebody with the same name as mine but a different SS # & different Date of birth applied for a credit card from Kohl 's. For some reason, Kohl 's opened the account under my SS # & DOB. I noticed this when I received some mails from Kohl 's. I immediately contacted Kohl 's & requested them to close the account. I followed up a month later & they assured me the account was closed. However, one year later ( About XX/XX/2016 ) I received a notice of privacy practice from Kohl 's & also it came up while applying for a mortgage loan that I have an open account with Kohl 's. 
I come to find out that Kohl 's did not close the account as they indicated one year earlier. I contacted them again & it became a running battle for them to close the account they had illegally opened under my SS #. At this point, my credit was negatively impacted & I got less favourable mortgage terms than I would otherwise have gotten. I believe Kohl 's owes me some compensation for the harm they did to my credit & the grief they caused me.
Product: Credit reporting or other personal consumer reports

I discovered this morning that there are unauthorized inquiries on my credit report, and I have no idea how they got there. This isn't something I expected, as my usual check showed these out-of-nowhere discrepancies. I even refreshed my browser, hoping it was just a glitch, but the inquiries are still there. I am frustrated by this and ask that the documents Ive submitted be reviewed closely so that I can finally stop worrying about my credit report.
Product: Checking or savings account

I want to close my checking account with TD Bank. I have tried numerous times to get my money out of the account. The latest instance, I called the bank to reactivate the account. After a lengthy time on the phone, the representative told me they reactivated the account and that I must make a transaction in order to keep it active. 

Afterwards, when I logged into my account to make a transaction I discovered I was restricted from making any transactions including bill payments and transfers to my other bank accounts. 

I emailed the bank, asking them to close my account and send me a check for the account balance. They sent me a message directing me to send them a signed and notarized letter. I am not going to do that. I want my money returned to me immediately! This bank 's actions are outrageous. They do not have the right to keep my money.
Product: Credit card or prepaid card

My wife and I have a XXXX XXXXXXXX XXXX XXXXXXXX, account ending in XXXX. This is a card reissued as a replacement card for the previous account ending in XXXX. In XX/XX/XXXX, we began placing charges with XXXX XXXX XXXX XXXX, XXXX for a XXXX XXXX XXXX Cruise on the XXXX XXXX originally planned in XX/XX/XXXX. That cruise was delayed due to the XXXX pandemic until XX/XX/XXXX. Once again, the cruise was cancelled and the charges were applied to a XXXX XXXX XXXX. Unfortunately, XXXX XXXX and their parent company has ceased operations and is currently in bankruptcy proceedings. We became aware of the XXXX bankruptcy in XX/XX/XXXX and contacted Citi by phone on XXXX XXXX. We were asked to mail all available documentation to Citi as a billing dispute and did so on XXXX XXXX. Numerous follow-up calls demonstrated Citi had not reviewed the case until recently ; we were even asked to resubmit everything via email which we did on XX/XX/XXXX. Today we received an email from Citi indicating that failure to notify Citi within 60 days of the " error '' meant they could do nothing in this case. We did notify Citi within 60 days of the XXXX XXXX XXXX notice XXXX XXXX 's bankruptcy. Cruises are typically long-lead items, often in years. Citi is basically non-responsive to this travel-related credit card non-delivery billing dispute. We would appreciate CFPB 's review of the case. 

The charges made to reserve the cruises follow : XX/XX/XXXX XXXX Cruises {$200.00} XX/XX/XXXX XXXX Cruises {$200.00} XX/XX/XXXX XXXX Cruises {$1900.00} XX/XX/XXXX XXXX Cruises {$5600.00} Total Charges {$7900.00} To substantiate the claim, we provided Citi the following documents. 
XXXX. XXXX XXXX XXXX XXXX for billing period XX/XX/XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX statement for billing period XX/XX/XXXX XX/XX/XXXX XXXX. Initial XXXX Cruises booking confirmation for the XXXX cruise dates issued XX/XX/XXXX. Please note that the cruise fare at that time was {$8700.00} XXXX. XXXX XXXX booking confirmation dated XX/XX/XXXX for XXXX cruise change showing new cruise fare of {$7700.00} ( discounted due to changes prior to XXXX final payment ). 
5. Payment confirmation email dated XX/XX/XXXX showing confirmation of payments in full of {$6700.00} aligned to XXXX charges for the new cruise date of XXXX. Please note that the {$1100.00} charge marked as transfer from the XXXX is the original {$1900.00} charge of XX/XX/XXXX with XXXX  stated intention of refunding the {$800.00} difference ( which never occurred ). Ultimately, XXXX  records were updated to show the total of {$7900.00} which corresponds to the total charges made against the Citi XXXX card. 
6. XXXX XXXX booking confirmation dated XX/XX/XXXX for the rescheduled XXXX XXXX XXXX XXXXXXXX cruise with the cruise fare of {$7700.00}. 
7. XXXX XXXX payment confirmation dated XX/XX/XXXX of the cruise fare showing total payments of {$7700.00}. 
8. XXXX XXXX Commission notice dated XX/XX/XXXX noting that XXXX XXXX, XXXX has ceased operations and recommending passengers place a claim immediately with the credit card issuer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint to alert you that I was the victim of identity theft. I looked into how to delete the bogus entries from my report and discovered that I needed to file a report with the FEDERAL TRADE COMMISSION or https : //www.ftc.gov. Credit reporting agencies are required by FCRA section 605b to remove/block any items reported on an id theft report. Please see the ATTACHED documents to help you stop the incorrect information that is being uploaded on my report. 

The following is a list of items that do not belong to me and were opened without my consent. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$960.00} ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$120.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; 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.
Product: Debt collection

I've tried disputing this account but they are still contacting me through email. The debt was sold and there should be nothing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm a victim of the breach and also been a victim of identity theft before the breach. I need these hard inquiries removed because I have no knowledge of these. I did n't inquiry for accounts with them. I would like for these to be removed from my reports. 
XXXX XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXXl - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX SXXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX : XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX/XXXX/XXXX XXXX of XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX  XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX FXXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX - ID - XXXX/XXXX/XXXX