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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Today I checked my credit report and I seen fraudulent inquiries and inaccurate addresses that I want removed from TransUnion such as, XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, And XXXX XX/XX/XXXX XXXX there are also two addresses reporting to TransUnion sthat I have never lied or have no connection to, that I would like to remove and have updated to my current address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX.
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX XXXX xxxxxxxxxxx XXXX I dont remember ever being late with a payment on this account. 
Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX Bank xxxxxxxxxxxx XXXX I dont remember ever being late with a payment on this account. 
Please provide statements and records of all payments made and missed since I opened this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

To whom it may concern:
I am reaching out to you because of my concern for the accuracy and honesty of your
company's data. As per FCRA section 611, it is imperative that we have accurate records on file
with those who rely upon them most- which includes not just customers but also potential lenders
or employers! After doing some research into Metro 2 compliance standards as well (since they
are rather new), I've found there may be some inaccuracies in reporting going forward if these
issues aren't promptly resolved; would love any feedback possible before taking action against us
later down this road togetherMy credit report is a representation of my financial standing and I
take pride in keeping it up-to date. With that said, you have the responsibility to keep my credit
profile and report accurate, authentic, complete! Therefore I need you to provide me with
verification of everything within my credit report in a TIMELY manner. The information in my credit
report and below is inaccurate. It never had any verification, compliance with reporting laws by
means or even credibility--so now I'm going through the process of correcting this oversight
permanently!The inaccuracies that are currently on my report are having a serious negative
impact to my quality of life! The data on my credit report is of high importance and is currently
not a representation of who I am financially because its inaccurate. I'm demanding accurate
documentation so you can document me - the person who deserves status in societycorrectly!!Please make sure that all inaccuracies are removed immediately and that I am
furnished with a new credit report upon the completion of your investigations into the details of
my credit records. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Capital One is ripping people off they say you were email letting you know when your new credit card statement is available what so imagine about making the payment but that wants to let you know that your card maybe over the limit because they give me to charge you the finance fee would interest rates which is cause my car to be over credit limit but they reported to the credit agency over my limit but it 's no fun of my own I was under my limit but because they charge the final three in interest right now let me know which caused my card to be over the limit
Product: Student loan

I signed up with Premier Student Loan to Pay on My loan and refinance it to a lower interest rate. They told me that they had paid off the bulk of it and that I only owed {$8000.00}. I paid {$30.00} per month for over a year and a half. Now they are out of business and I just got a bill for XXXX
Product: Credit card

I did not receive my XXXX 2016 statement from Citibank. I was charged a late fee and interest by Citibank. I called Citibank to resolve this issue only to given a run around. I would like this matter to be resolved immediately. Thank you.
Product: Vehicle loan or lease

In XXXX of XXXX we paid off the balance on our Hyundai Finance loan for a car purchased in XXXX. In XX/XX/XXXX, due to a failed automatic payment from our bank, we paid an additional {$700.00} to Hyundai Finance. We contacted Hyundai in late XXXX to inform them of the problem. We were told a check would be sent to us and to expect it in up to 3 weeks. The check never arrived and we called Hyundai again the week of XX/XX/XXXX to indicate the check had not been received. The new agents seemed to indicate no check had ever been sent. Hyundai now insists a check has been sent to us, but as of XX/XX/XXXX, no check has been received.
Product: Debt collection

XXXX calls me multiple ( more than 3 ) times per day from different phone numbers. I answered the phone today ( XX/XX/2016 at XXXX ) and I explained to the collector, " Your company calls me repeatedly and I am at work, I am unable to receive calls. '' The woman on the phone stated, " No we do n't, you 're making that up. '' I informed the woman that I would be filing a complaint and calling her supervisor, to which she became increasingly volatile and condescending. I left a message for the collector 's supervisor, XXXX, around XXXX. I have not received a call back.
Product: Checking or savings account

Ive been banking with Chase bank for almost 9 years with no problems. My business account was hacked XX/XX/XXXX/XX/XX/2018 with over {$70000.00} taken from my account. I gave them a list of the unauthorised transactions, they recovered most of the funds but also returned tax payments that were not on my list which I ended up getting late fees that I feel they should be responsible for. There Is also almost {$4000.00} that hasnt been returned to my account and they say the claim is closed. It has been 4 months and I cant get answers.
Product: Credit reporting

This is not my account. I have never dealt with this company that they are reporting to my credit report and they did not prove this was me. They simply said that they verified it. How? I never gave my information to this company XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Person use my social security for opened bank account under my name result fraud identity I need fixed problems List bank account opened XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am set up on AutoPay on the XXXX of every month. Somehow, every time Avant processes my autopay, they say I have insufficient funds and they return my payment and charge a {$15.00} fee so I have stopped allowing autopay to draft. On XX/XX/year>, I made a {$180.00} payment via debit card and selected to have it applied to the upcoming installment, so the autopay on the XXXX didnt draft. They drafted on the XXXX anyways and notified me a couple days later of again another returned payment and a {$15.00} fee. I contacted them when they processed the payment on the XXXX and I was told to call back to have the fee waived as the payment shouldnt have been processed. I called on XX/XX/year> and was told they wouldnt waive the fee because it was MY error. How is it my error when I made the payment early and for more than what was owed? This company is criminal and I expect there will be class action lawsuits about the way they process payments and charge fees.
Product: Debt collection

XX/XX/XXXX Received a call at home phone insisting we pay a Discover credit card debt from XX/XX/XXXX for {$4100.00} which he would reduce to {$1700.00} if we paid today. We asked to mail us proof said it would be {$7.00} per page at XXXX pages. He said he did not have to prove we owed the debt, we had to prove we did n't and if we did not pay before today he would have my husband served papers indicating Docket # XXXX. Threatened judgement with a lien against my husband 's XXXX Ford Thunderbird. Represented himself from XXXX XXXX XXXX XXXX Attorney Firm in Florida. His name XXXX XXXX XXXX and XXXX. Called the next day and gave all the same information to my ill sister we just recently moved in with us and a message to give to me saying if I did n't call back today with {$1700.00} it would be too late and legal action would be filed. I went home from work to call him back because I did not want him having my work number or cell number. I asked him to notify us by us mail. He asked for my email, to which I replied US mail only please. He said " so you want to play that game. '' Tried to talk over me and would not have a professional respectful conversation. I asked him to not call my home again. I told him he broke the law by sharing debt collection information with my sister. I told him as a third party collector he could not call my home everyday. He stated he was not a third party collector, he was with an Attorney Firm. He said " You just blew it because your sister was going to pay this for you ; '' He lied. I told him I called the Ohio Attorney General 's office today to file a compliant. He stated the Attorney General could not do anything to him because they do n't know anything about his business and they had no jurisdiction over him. He told me my new husband was going to ruin my credit because in Ohio I was responsible for this debt even though it was before we were married. I told him to never call our home again. He refused to disclose verification of the debt. He made false statements. He threaten legal action. He refused to give me his address for written communication. He clearly made it known he was above the law and no respect or fear of violating it. I am taking this step because I am a reasonably smart business woman and he was able rattle me. He could easily scam or cause a weaker person dangerous physical stress. Here 's the bottom line. We have good credit. The debt is not reported on my husband 's credit bureau. If he owes it we would pay it but we are not going to give a random person any personal information over the phone. Please advise to what steps I can take to stop this harassment.
Product: Credit reporting or other personal consumer reports

I have asked on several instances for my credit report to be rectified, I have ask for verification and reverification of the information on my report which I was informed but all that they had verified and after doing my own research found this to be inaccurate. I have found the information on my report to be fraud and Per FCRA 605B ( 15 U.S.C. 1681c-2 ) it requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. This information continue to be detrimental to my personal credit, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
My Identity was fraudulently utilized to try and obtain credit, Obtain 2 apartment for rent and to buy into a ponzi scheme see attached : Court docket number XXXX refers to the case United States v. XXXX XXXX in the U.S. District Court for the District of Nebraska. Charge : Wire fraud in violation of 18 U.S.C. 1343. Outcome : XXXX pled guilty and admitted to misappropriating at least {>= $1,000,000} of investor funds. On XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. United States v. XXXX XXXX ; United States v. XXXX XXXX ; United States XXXX XXXX XXXX XXXX Department of Justice
Product: Checking or savings account

So last year XXXX XXXX ( owned by Bank of America ) locked my brokerage account with no notice for any reason. I have contacted customer service multiple times and the customer service assured me they would reach out to the team who handles then contact me with an update. All three times I have not received any followup communication nor any status regarding my account. Would like to resume using my account but no information on the reason for the limited access nor a solution on how to fix.
Product: Mortgage

Wells Fargo has a history of refusing payments or processing them late, as in a couple of weeks. This results in foreclosure notices about every other month which WF says to disregard because they have the payment. 
On XX/XX/XXXX I attempted to pay WF through both the mobile app and their website. Both were down, so I used the automated pay by phone and received a confirmation number. I watched my bank account all month and it never came out. During that time, I called them weekly, to which they could only tell me their systems were down and they couldn't access my account information each time. 
On XX/XX/XXXX I mailed them a check in the agreed amount. They never cashed it. 
Having been through this in XXXX, I retained legal counsel. 
The XXXX incident began in or around XXXX XXXX when three payments were attempted to be withdrawn from my account. Looking at my credit score, they marked me nearly 90 days delinquent on an auto-payment account. I was threatened when I removed the auto-payment from my account and then WF refused to accept any further payment. Although checks were sent each month up until the notice of sale three months later. The account was reinstated through legal counsel and a large sum of money. However not even two months after reinstatement, they began with the late  acceptance of payment measured in weeks after payment in which I have written in a journal to document the absurdity. Not documented was when it began the fall of XXXX when the lapse between payment and processing is around 20 days. The aforementioned journal is attached, XX/XX/XXXX - XXXX to serve as historical reference of how my account is serviced and I am harassed each month. 

WF has marked me 30 days late for 3 years and my credit has been ruined from this one creditor. They've trapped me with no option to refinance with another provider. I no longer wish to be their customer. 

Due to current litigation, I am not attaching any current discovery items besides those proving payment was made in good faith on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX XXXX XXXX XXXX that starts with XXXX ) I requested for the credit bureau to Please validate information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. In response they stated the company that reported the information has certified to that the information is accurate. IM REQUESTING TO SEE THE CERTIFIED INFORMATION THAT WAS RECEIVED BY THE CREDIT BUREAU, IN ADDITION, THE i Method of Verification. I do not consent to XXXX or any means of automated verification.
Product: Mortgage

On XX/XX/XXXX I forwarded a tax bill to Lakeview loan servicing, XXXX XXXX XXXXXXXX XXXX XXXX  Va. XXXX for this to be paid out of escrow per instructions at closing. On XX/XX/XXXX over ONE year later I received the same tax bill again, as it remained unpaid. During this year I never received any communication from Lakeview. On XX/XX/XXXX I sent the bill again, this time via certified/signature required. It arrived and the signature on this receipt is COVID-19, date of delivery is XXXX XXXX, XXXX. Apparently they either don't want to identify who picks up mail and signs, or they think the virus is a joke. No professionalism here. It has been 14 days since they signed, I have not received any correspondence once again. I think this extremely incompetent, and I am doubtful that I will receive a reply. Because they did not respond the tax bill has added fees. They have changed my mortgage payment already on two occasions, so if necessary to pay the tax bill I am sure that would not be a problem, as I indicated in my letter to them. I have copies of all documents mentioned. They need to pay the bill!!!
Product: Credit card

My credit card with Barclay 's has been on automatic draft for several years with no problems until XX/XX/ when the bank double drafted my bank account. They took XXXX weeks before returning the {$190.00} monthly payment. Subsequently, I called and asked to be removed from the automatic draft payment program. Barclay 's sent me a letter stating my removal from the program, however they still drafted my account in XXXX. In addition, I paid the {$190.00} directly. So, once again they were double paid. After calling numerous times to no avail. Barclay 's refuses to return the extra {$190.00} or put the extra payment towards the balance. As I am typing this complaint, I am on the phone again with them. The representative stated the case number for Barclay 's is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$310.00} XXXX XXXX {$510.00} XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies have violated my rights as a consumer. 
XXXX XXXX XXXX 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 XXXXXXXX 15 USC 1681 section 602A states I have the right to privacy as a consumer.

15 USC 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave authorization for that.
Product: Bank account or service

This is a complaint involving the Amtrust Bank, XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. My brother XXXX XXXX passed away in XXXX XX/XX/2016. He left a small bank account without a beneficiary. The account was left in Queens Counry Bank which is affiliated with the Amtrust Bank. I am his sister XXXX XXXX, his closest relative. When I spoke to XXXX XXXX in the bank regarding withdrawing XXXX remaining savings account I was told that I did not have the proper documentation. I presented XXXX death certificate and my ID. XXXX was XXXX before the age of XXXX and was receiving benefits under my fathers Social Security number. My fathers SS number appears on my brothers death certificate because he is considered a child under federal law. I went to the social security office and got a signed document stated XXXX own SS number and presented it to the bank. This number was the number that XXXX used to open the account but it is not the number that the Federal Government has as his official identification number which is why his death certificate uses his fathers number as XXXX 's ID. I presented my fathers SS card and death certificate which shows the link between my father and brother but the banks legal department still will not allow me to withdraw the account. Even with the SS official letter and all the above ID the bank still insists that I change XXXX SS number on his death certificate to his personal number. When XXXX took out his SS number at the age of XXXX he used his nickname of XXXX XXXX which his not his legal name therefore his SS number is not even legal. When I went to the SS office they could not pull up his number and had to manually type it in to the letter. When they have put my brothers information into the computer my fathers number comes up under his name. Being the Federal Government recognizes this number as my brothers because he is a XXXX under my fathers number and because the bank has allowed XXXX benefits to be deposited into his account every month for many years using my fathers SS number, I believe they should release his bank account. I hope you will help me to resolve this issue. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a year ago I reported to transunuion that a company I had a loan with reported a late payment incorrectly I submitted to both my bank info showing pmt. The loan was pain in full XX/XX/XXXX. Again this month they reported another late pmt XX/XX/XXXX I made 2 pmts that month so far from late. They have wrecked my credit score its dropped over 100 points Ive had credit limits lowered bc of this incident they failed to investigate after I requested by certified mail as well as the company that reported it being wreck less and careless and I want to sue both companies now XXXX XXXX and transunion. They have carelessly changed their minds 4 times over this first it was XXXX then XXXX then XXXX now XXXX again so there is no way at all transunion investigated anything I sent them certified mail.
Product: Mortgage

I have been trying to get my Mortgage company starts reporting my payment history to all credit bureaus for a long time. I was told to send in a letter stating that I want them to start reporting to all credit bureaus, I did that on XX/XX/XXXX. Prior to that I have been calling and asking them. I didn't think I have to do that. My loan was sold to them on XX/XX/XXXX. When my old mortgage company closed due to a new company, my score dropped XXXX points. I did not ask for this sale but it happened. I have been calling to see why they have not reported. I was told they did but they have not. I do not like getting the runaround. I received a call from one of the managers for two days ago, I was told that I have to call all credit bureaus to do an investigation, only XXXX  did that and not the other two. I was told that my mortgage have to start reporting because they have no record of this account. When I apply for something I tell they I pay a Mortgage and it is not on my credit report, They think that I am lying. I think a business should conduct themselves as a respectable business when this type of situation happens. I did not ask for this sale anyway. Why do I have to suffer because of them not reporting? If they are reporting, why any of the bureaus have this information. That is pretty strange. Please start reporting my payment history. Please and thank you.