23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX, I co signed on a car. Later I had to file bankruptcy. Credit acceptance was still sending me letters while I was under bankruptcy. My bankruptcy was n't dismissed until XX/XX/XXXX. I stop working XX/XX/XXXX. I received a citation from the sheriff XX/XX/XXXX. I immediately called the number on the paper to let them know I was not working. I was told when I start working I could set up a payment arrangement. For three years I have been unemployed. I just started working two months ago. I called to set up a payment arrangement, I was told I was garnished and that 's it. I went to the court house they told me credit acceptance never sent me a court date to appear in court. They also lied and told the court I ignored the citation. I have my phone records to prove I called them right after the sheriff served the papers. The citation paper have XX/XX/XXXX for XXXX. The papers that were sent to my job says XX/XX/XXXX for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with Pronto finance. ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) back in XXXX the car was repossessed, my wages were garnished for the balance, and the account was closed. The loan company continues to report this account as a new account, owing to a balance. This is not true, and the account should have been removed from my profile several months ago. They are using this tactic to interfere with my ability to get approved on other things. This is an unfair practice and is impacting me tremendously. They reported it as close to one credit bureau but will not send the information to all three.
Product: Prepaid card

Direct Express is not letting me use my money. They say it's XXXX. XXXX says they have nothing to do with it. When I try to call Direct Express they hang up.
Product: Checking or savings account

On approximately XX/XX/year>, XXXX dollars was frozen in my XXXX account with Wells Fargo XXXX I am presently going through a XXXX  and my account is exempt. Wells Fargo are in direct violation of the automatic stay provision. My bills and other obligations are paid out of that account. If the hold is not released, i will not be able to honor my obligations, and I will not be able to take care of any type an emergency if one cones to pass.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 14 and 15 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit card

On XXXX occasions, XXXX XXXX 2016, XXXX XXXX 2016 and XXXX XXXX 2016, Chase Sapphire Credit card customer service agent confirmed that the Annual fee of {$95.00} will be refunded if I close the account within 180 days from the date the fee was charged. The fee was charged on XXXX XXXX 2016 and the account was closed on XXXX XXXX 2016 while declining their offer of XXXX points to keep the account active. When the last statement was generated, there was no refund and when I called them to inquire about the refund on XXXX XXXX 2016, they say that the policy has changed to only refund if the account is closed within 30 days and they say the policy change occurred on XXXX XXXX 2016 and they are not required to notify me of that change.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ).

I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed from my credit report. 
Account name : XXXX Account XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account XXXX
Product: Checking or savings account

Bank of America Advantage SafeBalance checking account opened in my name on XX/XX/23. Called the bank to report it and the account was closed by the fraud department and recorded. Also, filed a police report and reported identity theft to the credit bureaus. On XX/XX/23 another Bank of America SafeBalance checking account was again opened in my name. With both openings, I was notified by email of the application and seconds later of the approval. Bank of America stated they could not give me any information on the checking account opened in my name because I did not open it and there was nothing they could do to block future accounts being opened in my name.
Product: Student loan

The program was collecting funds from me, approximately {$2500.00} over a period of several years. I left XXXX, due to XXXX. XXXX XXXX XXXX XXXX office convinced them to review this matter. Before, I kept getting under review for 12+ months. 
The review says that they are not giving my funds back to me due to the funds were collected before the TDD. 
The issue mentioned by myself that was ignored, was that XXXX knew that I would not be returning, and failed to protect my rights via the U.S. Education Department by providing an exit interview. An exit interview would have given me insight, and recommendations into repayments, and TDD. 
The department acknowledges that I was XXXX when the funds were collected.
Product: Credit reporting

A company name of XXXX XXXX charge a XXXX debt of {$640.00} on credit report. This does not belong to me and did not have this service.
Product: Checking or savings account

Wells Fargo Branch - XXXX XXXX, Fl. 
Unauthorized transactions to my checking account. Small withdrawals but all the same amount ( {$42.00} - 31 times ) over the course of a year. Bank agreed to reimburse me {$580.00} but will not credit back the balance {$790.00}. I asked the Bank to forward to me their policy statement and my agreement and signature - details stating that they are responsible only for 60 days following notification. They will not forward to me ( they do not answer my e mails ) and I am sure that I had never seen this policy or signed my approval to comply. I am a senior and this money is needed,
Product: Credit reporting or other personal consumer reports

These inquiries below are fraudulent and dose not belong to me I did not authorize anyone to pull My credit for any credit application XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This dispute involves XXXX XXXX and an inaccurate reporting of my account status to XXXX, Experian, and XXXX. After challenging the validity of the account I received feedback from XXXX, Experian, and XXXX which stated that the account was being reported as verified as accurate and updated. After several attempts to get them to verify this information I went through some olf files and was able to find a settlement letter dated XX/XX/2016 stating that the account had in fact been settled. I also found a cancellation of debt which was provided by the company in 2016. After the bureaus continued to report the status of this debt as negative, I sent all of this information to them and reached out directly to XXXX XXXX. Their response was that theyd reported all of the information in question correctly and since the bureaus had already reached out that they would not reinvestigate the matter. After receiving the letters Experian then changed the account status to paid, but allowed all negative payments to that point to remain with the status being FP or " failed to pay ''. This again impacts my ability to purchase a new home, apply for business credit, etc.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Im writing this statement because of inaccurate information on my credit profile thats need to be removed deleted from my profile. The accounts will be listed in my ftc identity theft report. 

Transusion hard inquires XXXX XXXX  XXXX XXXX XXXXal XXXXXXXX XXXXk XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX / XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hi DISCOVER FINANCIAL SERVICES ; Im confused stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Checking or savings account

XX/XX/19 to XX/XX/19 XXXX XXXX. I deposited money I won at the casino. In the amount of {$2600.00} atm malfunctioned. Did not confirm the total. Jammed with XXXX XXXX dollar bill torn. ATMs should be balanced the next day with totals off and I should be returned my money. Now I have overdraft fees and facing eviction. I have read several reviews of this happening to other people and they have not gotten their money back. If I need to hire and attorney.
Product: Credit reporting or other personal consumer reports

In accordance with the XXXX XXXX XXXX XXXX XXXX XXXX of accounis below nas violated. my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX for {$490.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX reported inaccurate late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

i made hotel reservations at XXXX XXXX live and was given an initial rate of XXXX and was informed that there would be an initial hold for incidentals of approximately XXXX which would be released, however the hold has not b een released in timely manner an d the bank Truist refused to assist but placed the trans action in pending status for an extended time with no set date to relinquish fuds being held
Product: Credit card or prepaid card

I've logged into my bank of America EDD account numerous times,  suddenly passwords, username info etc doesn't get me into my account, nothing works period
Product: Credit card or prepaid card

On or about XX/XX/XXXX I received a direct deposit of XXXX and change from XXXX 2 Days later the card company CHIME which is who I used to receive my benefits took the remaining balance of {$12000.00} after going back and forth with very disrespectful and unprofessional customer service agents for over a year I still receive no relief they sent me back and forth between their XXXX XXXX XXXX and their customer service for several months they refused to close my account and they just pretty much drag me along after everything was said and done they sent me an email stating that the money will be segregated into XXXX parts they sent {$190.00} back to the proper remitter which was the state of Illinois they sent {$10000.00} to New York for whatever reason. They also sent {$1800.00} to Georgia I received {$190.00} from Ides immediately CHIME would not help me get the remaining money that, They, not me wrongfully segregated. Finally, after reaching out to New York I was referred to New York state Attorney General. In XXXX of XXXX I was forwarded the {$10000.00} from the state of New York. I reached back out to CHIME about these results asking them to forward me the money the {$1800.00} that they sent to Georgia as well. Again, no help. I'm reaching out to you to ask that you please help me receive my funds that were wrongfully sent to the state of Georgia. CHIME really needs to be stopped. Thank you
Product: Mortgage

CLASSIC BAIT AND SWITCH BY CALIBER HOME LOANS, XXXX, TX. 

XXXX - THE BAIT : Completed mortgage application with Caliber Home Loans located in XXXX, TX ( XXXX XXXX, XXXX ). Agreed loan terms ( see attached ) are the following : -Loan amount : $ XXXX XXXXInterest rate : 2.875 % -Closing costs : $ XXXX XXXX - THE SUNKEN INVESTMENT IN TIME AND MONEY : Appraisal ( {$800.00} ) completed. Property valued at XXXX. No changes to credit. Little to no contact with Caliber Homes Loans. Attempted to contact Caliber Home Loan consultants at XXXX, TX office on multiple occasions ( XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX ). They are screening phone calls. 

XXXX - THE SWITCH : Received new loan terms ( see attached ) : -Loan amount : $ XXXX XXXXInterest rate : 2.90 % -Closing costs : $ XXXX In 3 months, the price of the loan increased by 2X without reason. No changes to credit, no new loan, no changes in loan product. No financial changes in circumstances. Just plain greed and unscrupulous individuals at Caliber Home Loans.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute Department TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Late Payment Entry on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute a late payment entry that appears on my credit report. According to 15 U.S.C. 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including late payment entries, must be removed from a consumers credit report after a specific period of time. 

The late payment in question may be outdated or inaccurately reported. Therefore, I am requesting that you investigate and, if necessary, remove this entry from my credit report.

Under 15 U.S.C. 1681c ( a ), consumer reporting agencies are prohibited from reporting certain types of adverse information after the following timeframes : Late payments and other delinquencies must be removed after 7 years from the date of the original delinquency. 
Other adverse information, such as collections or charge-offs, must also be removed after 7 years. 
The presence of this late payment on my credit report is damaging to my creditworthiness. If it can not be verified or if it exceeds the permissible reporting period, I request that it be promptly removed. 

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Late payments and other delinquencies must be removed from the credit report after 7 years from the date of the original delinquency. 
Bankruptcy cases under XXXX XXXX must be removed after 10 years from the date of filing. 
XXXX  XXXX bankruptcies must be removed after 7 years from the date of discharge. 
This law ensures that outdated and damaging information does not remain on a consumers credit report indefinitely, protecting consumers from undue harm to their creditworthiness.
Product: Credit reporting or other personal consumer reports

Recently, I opened a new credit card account, with XXXX XXXX XXXX which was done with the expectation that my credit report would reflect accurate and truthful information. However, I discovered that XXXX had falsely placed a fraud alert on this newly opened account without my consent. This action was taken in spite of my multiple disputes submitted to XXXX regarding inaccuracies in my credit report most recently XX/XX/year>. Where I disputed inaccurate harmful accounts : XXXX XXXXXXXX - This account is incorrectly listed with an outstanding balance or payment history that does not accurately reflect my financial obligations post-bankruptcy. 
XXXXXXXX XXXX XXXXXXXX This account is incorrectly listed with an outstanding balance or payment history that does not accurately reflect my financial obligations post-bankruptcy. 
XXXX XXXX XXXXXXXX This account is incorrectly listed with an outstanding balance or payment history that does not accurately reflect my financial obligations post-bankruptcy. 

NO WHERE DID I DISPUTR MY NEWLY OPEN CREDIT CARD WITH XXXX XXXX XXXX  The consequences of XXXX 's negligence have been severe. My credit score has significantly decreased due to these erroneous entries, and as a direct result, my new credit card account has been closed. This situation has not only affected my creditworthiness but has also caused me extreme distress and confusion as I attempt to manage my financial responsibilities. 

I have made numerous attempts to resolve these issues with XXXX, Transunion and XXXX as well as XXXX XXXX including submitting disputes and providing documentation to support my claims. However, my efforts have been met with inadequate responses and no meaningful resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 havent signed up for any loans or credit card I have inquirie and its identity fraud
Product: Debt collection

Rushmore Financial has continued to contact me on my cell and my employer releasing personal information. Not verifying employment. They have threatened to garnish wages as well as serve me documents to my job. I 've already contacted the company and just hung up on or told this is legal. I know it 's not and they have shared information with my HR department. I 'm not sure what else to do.