23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

IQ Data called me today XX/XX/2020. The representative did not properly verify who I was before going into detail or give a balance for the account in there office. I was confused. Then when I asked to set a payment arrangement I was told no because I wouldnt qualify and need to pay in full. The collector told me this would negatively impact my credit report. Also I tried to dispute a portion of the balance which show refused and said to have the original creditor refund me after I paid them? I asked for a manager who did nothing but threaten me the whole time. I offered XXXX a month on the balance of XXXX he refused and said I would be sued if I dont pay in full now. I tried to make a payment today of XXXX and then XXXX starting next month until the balance is paid other then a small amount I wanted to dispute. He told me no and told me to mail in a payment. The manager flat out told me they were coming after me if this debt wasnt paid in full today or this month. These are abusive and aggressive collection tactics and I told them that. They didnt care. I requested no more calls and valuation of debt. They are impossible to talk to and I have no idea how I will begin to pay this because they refuse to work with me in any way beside XXXX in full. Please help!
Product: Credit reporting or other personal consumer reports

American Express reported that I am over my limit. My attachments below show that not only am I not currently over my limit, but I have not been over my limit in this reporting period ( or ever ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include : XXXX XXXX XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX CT XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, are a blatant violation of my rights and have severely impacted my financial standing. I demand that the Credit Bureaus take immediate action to investigate and remove these fraudulent items from my credit report without delay. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is the XXXX XXXX legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from the Credit Bureaus detailing the results of the XXXX XXXX investigation and the actions the Credit Bureaus have taken to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 30 day late payments on my credit report and have tried to dispute it but. I keep getting blown off. I sent the first letter requesting back up for the bad information that was on my report and waited 30 days no reply then I sent a second registered letter waited anouther 30 days for a response they sent me some letters that had nothing to do with what I asked for. they ca n't do what ever they want they need to abide and required by law, under the FCRA, to have properly verified the accuracy of an account listed on my credit report. they recently replied and said in the results of your first re-investigation, that you verified that these items are being reported correctly.
formally requesting the following : 1 ) Where are the documents that you used to verify these accounts?
2 ) What is the name of the person in your company who verified these accounts?
3 ) What documents did they use to verify them?
4 ) Please provide me with the name of that individual, their business address, and telephone number.
no responce
Product: Credit card or prepaid card

There was a fraudulent transaction done using my discover credit card. I have submitted proof to the company showing that it was impossible for me to have done the transaction. The purchase was made in a different state at a store that I had never been to before and the store was a jeweler for an exorbitant amount of money that I would have never paid for jewelry. 

Discover has said that I am responsible for the transaction but has failed to provide any proof or reason as to why I was liable.
Product: Checking or savings account

On XX/XX/XXXX someone used my debit card info to make several purchases at at least 7 or 8 different XXXX locations across the country, all in states where I do not live. I live in NH and all these purchases were no where near NH. Not only did Bank of America not flag the first fraudulent activity and contact me, they proceeded to let this person continue to make several purchases, all totally over {$700.00}. I had to call them to tell them to close my card immediately and I submitted a claim. They gave me my money back but It took them three months to address the claim and now they are denying the claim and charging me the {$770.00} dollars that never should have been stolen from me to begin with. Now my account is negative because I dont have these funds to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am filling this complaint against all three credit reporting bureau ; EXPERIAN, XXXX, AND XXXX for willfully furnishing inaccurate information to my consumer report. According to Congress, the banking system is dependent upon my consumer report being fair and accurate, and it is not. I have been in correspondence with XXXX XXXX XXXX regarding an account in collections. As of XX/XX/2022, XXXX XXXX XXXX has notified me that they have notified the credit bureaus to delete their tradeline ( SEE EXHIBIT B ). It is XX/XX/2022, and these collections are still reporting across all three credit reporting agencies ( SEE EXHIBIT A ). This is unacceptable and this grave error has undermined my confidence in these companies ' procedures. Not only is this inaccurate information cause my credit score to be decreased, it is INACCURATE!!! This is hindering me from acquiring property and services. This is extremely stressful during this COVID 19 pandemic. As a result of this, I will no longer be extending credit and if this negative information is not removed IMMEDIATELY, I no longer want my information reported in these companies ' databases. And I am fully aware that I have the right to opt out, which disclosure was never given to me ; another violation of my federally protected rights as a consumer. These companies did not exercise their grave responsibilities with fairness and impartiality. Congress has also made it abundantly clear that consumer reports should not include transactions between the consumer and the person making the report and the FTC defines collections on consumer reports as DEBT PARKING. This account should have never been reported to my consumer report in the first place. At this point it's WILLFUL NONCOMPLIANCE. Attached are also my utility bill and drivers license for identification purposes. Prompt response to this grave matter is requested and required.
Product: Debt collection

XXXX to XXXX phones calls a day and sometimes using a number modulation to change their phone number saying different states
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called PNC to inform them that the account they have reporting to my credit report was opened fraudulently. I spoke with someone named XXXX and she gave me an address to send my police report and FTC affidavit. I did so the next day but haven't heard back. I am attaching it here because I need this issue resolved and the account removed from my credit reports immediately because it is both fraudulent and affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX {$0.00} Closed. {$1700.00} written off. 

XXXX XXXX XXXX- {$7700.00} XXXX XXXX XXXXXXXX XXXX - {$2300.00} XXXX XXXX XXXX - {$1700.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXXXXXX XXXX {$10000.00} XXXX XXXX XXXX {$2700.00} These are all negative accounts on my credit that are not mine and have never been verified that are mine either. I have disputed all these 7 accounts several times and they keep coming back as verified without any proof. I have disputed all these accounts with XXXX, XXXX and Also Equifax and they refuse to remove them from my credit report.
Product: Debt collection

I told them that I've never lived at this address and also sent a copy of my ID for them to verify that it's not my account. I also requested that they send me the original contract with my signature that's listed on my ID and they have failed to do so. Please remove account. It doesn't belong to me. Thanks In advance!
Product: Credit card or prepaid card

Hello my na is XXXX XXXX I have a way to go prepaid card for my unemployment benefits and I made a purchase and they blocked my card for no reason at all. I called and was told to send my ID and SSC I explained that my ID was expired and was told to sent my SSC and birth certificate which I sent and they are holding my account hostage. 
This is clearly the way us older XXXX Americans are disenfranchised because we cant keep our ID up to date and the company probably keep my money forever
Product: Credit reporting or other personal consumer reports

, there is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be BLOCKED and DELETED. My request to block is not being made in error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 

Based on 15 U.S Code 1681c-2 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 not later than 4 business days after the date of the receipt It has been 30 days and you are in violation of this law because I am a victim of identity theft! please delete these items as soon as possible! 

These accounts and inquiries should not be furnished on my consumer report as they are in violation!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 
I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PLEASE DELETE THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX PLEASE FCRA law 15 USC 1681 I have not given written permission to put anything on my credit profile have violated me pursuant to 15 USC 1681 B the permissible purpose of Consumer Reports you have no permissible purpose by law to contact third parties with my private and personal information your offenses amount to aggravated identity theft pursuant to title 18 USC felony punishable 1028A in addition to civil liability up to {$1000.00} per violation you are also in violation of XXXX5 USC 1692 my instructions are for you to delete these accounts immediately. 
PLEASE AND THANK YOU.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

In accordance with the laws, everything must be accurate and verified. XXXX and TRANSUNION and continually inputing the same account with a different number. 
I havee contacted the bureaus back XXXX and had put a fraud alert on my reports and filed FTC AFFIDAVIT to show prooof of the accounts being a different numbers, they deleted and inputted again with another number. 

XXXX reported XXXX XXXX XXXX and TRansunion XXXX XXXX  XXXX. 

Two different numbers for the same account! This is fraud and illegal. 
Not just accounts are in accurate but it is also, illegal to list dates of LAST DATE oF ACTIVITY two different dates and made it newer, reaging is illegal. 

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 agency 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. 

I want the account deleted or pay me for my time and continual headache from the laziness and fraudualant practices of your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX, XXXXXXXX XXXX XXXX XXXX : {$19000.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$380.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$240.00}, XXXX 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
Product: Mortgage

Loan Purpose : Purchase of primary residence for home in XXXX XXXX, California. 

Complaint : Wells Fargo mortgage staff, XXXX XXXX and XXXX XXXX, misled applicants ( us ) regarding the terms of a XXXX ARM loan. We were quoted a rate with no mention of a reserve requirement. Only after signing loan disclosures and submitting an offer, were we informed of a {$1.00} XXXX reserve requirement, making the ARM unobtainable. 

Impact : Due to misinformation, applicants were forced to accept a higher interest rate on a 30-year fixed loan with Wells Fargo instead of the desired ARM to avoid losing the house purchase XXXX 

Request : Compensation for closing costs to refinance the Wells Fargo loan with another lender ( XXXX was the lender applicants were working with prior to switching to Wells Fargo ) that offered a competitive ARM rate. 

Timeline of Events : 1. Applicants received pre-approval for a loan from another bank ( XXXX ) in XX/XX/year>. Rates provided by XXXX were XXXX ARM at 6.775 % and 30-year fixed at 7.135 %. 

XXXX. XXXX XXXX, mortgage consultant with Wells Fargo, quoted a competitive rate for a XXXX ARM of 6.375 % in XX/XX/year> and 30-year fixed at 6.75 % via email. 

XXXX. Based on these quotes, applicants chose Wells Fargo and submitted a loan application in XX/XX/year>. 

XXXX. Loan disclosures with a higher ARM rate ( 6.625 % with rate lock ) were provided, but no mention of a reserve requirement. We signed the rate lock for XXXX ARM at 6.625 % with Wells Fargo. XXXX XXXX communicated that the ARM product for us requires approval by Wells Fargo, but that he and XXXX were highly confident it would be approved based on our long-term customer status with Wells Fargo XXXX We relied on this information to proceed with the loan process and there was no explanation about what the exception entails ( which we later learned involved a reserve requirement that we could not meet ). 

XXXX. We ultimately received a higher-rate 30-year fixed loan at 7.25 % because the ARM product was not approved for us. We were informed of the undisclosed {$1.00} XXXX reserve requirement for the ARM. This information came too late to secure the desired ARM rate with another lender ( XXXX ) and as a result we were forced to close, not only with a XXXX fixed mortgage, but at a higher rate with Wells Fargo than with XXXX. 

Allegations : XXXX XXXX and XXXX XXXX provided misleading information and lacked transparency regarding the reserve requirement, causing financial harm to us. We discussed the issue with them and the Wells Fargo Branch Manager who said they could not do anything besides escalate the issue to their executive team for internal review. We have submitted a letter with supporting documentation of emails, seeking remediation in the form of Wells Fargo honoring the ARM rate that was offered or compensating us for refinance costs with another lender. They said it typically takes 10 days, usually less, to receive a response. We have not received a response after 10 days so I am now filing with CFPB.
Product: Debt collection

Portfolio Recovery Associates ( XXXX ) called looking to collect a debt from my now ex-wife. I have absolutely no debt so I have no doubt that the calls are not for me. 

They have called me from local numbers and the one listed above. 

I have told all 3 callers who I am and to remove me from the call list. Today was the 3rd call. 

I do not associate with my ex-wife at all. None of this debt is mine. The number they call me on is one I had gotten after the divorce. 

This has to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST

REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDE R 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHO
UT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$10000.00}, {$13000.00}, {$13000.00}, {$4500.00}, {$6200.00}, {$14000.00}, {$8700.00}, {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- PERSONAL LOAN 4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

7. XXXX XXXX I with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account.
Product: Credit card or prepaid card

In  XXXX , I made a room reservation at a  XXXX   XXXX . A credit card offer popped up with a visual depiction of a {$50.00} discount if i opened their credit card  ( Barclay ). I figur ed ... sure, i 'll save {$50.00} on the room. The visual credit card statement showed my room rate {$200.00} - {$50.00} credit for opening card = price of room {$150.00}. I then proceeded to accept the card offer and make my reservation. The gentlemen at the hotel said the {$50.00} would come off the credit card bill, not the reservation.     I received the bill with no discount.     Come to find out, you had to spend {$2000.00} to get that {$50.00} discount.     I inquired with  Barclay  on  XXXX / XXXX /  XXXX   and provided them with a screen shot reflecting the $  XXXX  = {$150.00} deal. I received confirmation that  Barclay  received my documentation.     They are now saying its going to be another  7-10 day s for a response.     As of today, it 's been 20 days of me jumping through hoops. During tha t 7-10 day window, my Barclay bill  will be due. I 've repeated asked them for an expedited response because i do not want to be hit with interest or late fees waiting for resolution ... however, they never address that concern of mine.     I 'm at my wits end dealing with Barclay.
Product: Credit card

I had a credit card with Kohls, I was making monthly payments on my account that had a low balance strictly for the purpose of failing my credit scores, I got an alert on my FICO app saying my score dropped XXXX points because of a 30 day late payment, I had paid the balance the day before, apparently they were adding a {$37.00} a month fee because I was not paying on the exact dat, they did this for XX/XX/XXXX,XX/XX/XXXX, making my minimum payment not enough, not telling me this. I called an Kohls said there was nothing they could do, I canceled my card after paying a {$1.00} balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX the consumer,, have new and updated information in regards of a previous complaint. Pursuant to 15 USC 1681, I have 30 days to a completion of a reinvestigation. Experian, XXXX, XXXX have violated my rights by not responding within the 30 days nor have I received information of the procedure used to determine the accuracy of the reported information on my consumer report. I am submitting this complaint to ensure I have my rights protected to a proper investigation under 15 USC 1681i.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, have violated my rights. 

15 U.S.C 1681 Section 602 A states : I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states : A consumer reporting agency can not furnish an account without my written instruction.