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

This not a duplicate and I have never used this site before to make a complaint!! I also am submitting this complaint on my OWN behalf and not any 3rd party because I know my rights I have been a XXXX  for over 35yrs.The fraudulent accounts. inquiries, and addresses found within my consumer report are not related to any transactions that I made. I am alleging that a person or company WITHOUT my AUTHORIZATION used my personal information to apply for goods, services, or money and was successful in creating some accounts. Im elderly XXXX XXXX  my wallet stolen I think from some students as a result I am victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. I swear under penalty and perjury it is a result of identity theft. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX- XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX Account # XXXX AD XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX FRAUDULENT ADDRESSES REMOVE ALL ADDRESSES EXCEPT CURRENT ADDRESS
Product: Checking or savings account

On XXXX XXXX I received a check from a company called XXXX XXXX XXXX to participate in a paid adverting program. The program was to pay me weekly to advertise their company on my car for 3 months. I was to receive the check ( in amount of {$1900.00} ),  deposit it, keep my portion of {$450.00}, and pay the remaining to the company that will was my car. On the day of XX/XX/2020 I called my bank XXXX XXXX to speak with the fraud department to see if they can check to make sure the check is legit and not fraudulent. The employee I spoke with advised me they are not able to check but informed me that at the worst the check would be deducted back out my account it is not a legit check. He also informed me to contact the bank on the check ( Fifth Third Bank ) to confirm funds and to give myself peace. On XX/XX/2020 I called Fifth Third Bank ( listed on the check ), to confirm the check is not fraudulent and to make sure funds for the amount were available. The employee I spoke with confirmed that it was a legitimate check and the amount of funds in the account would cover the check. As the check continued to show as " pending '' in my account I stayed in contact with the XXXX XXXX to keep them updated on the process. On XX/XX/XXXX, I received a return check for the check amount in addition to a {$15.00} return check fee. I received another return check on XX/XX/2020 for the check amount and additional {$15.00} return check fee again. On XX/XX/2020 I reached out to my bank XXXX again to ask fo clarity and was treated as to I was trying to deposit the check over and over. Which I was not, hint the reason of me calling. I was later transferred to the fraud department that treated me as if I did something wrong. My account with the check deposited in and my personal account I share with my husband was then froze and currently still is by XXXX XXXX. That is why I asked both banks in the beginning was everything ok not fraudulent with the check. On XX/XX/2020 XXXX XXXX deducted {$1800.00} out of my joint account I share with my husband ( which is not the account the check was deposited in ) and deduction {$170.00} out of the account the check WAS deposited in.
Product: Debt collection

There is no deb!! Attorney letter dated XX/XX/XXXX from attorney on behalf of XXXX XXXX claims I owe {$45.00} demands immediate payment. This is supposed to be from XXXX. I do not owe, however do take these threats very seriously. Letter instructed me to go to XXXX to pay. Online payment.. by citation and tag # no such ticket found. Speak with XXXX XXXX. They can not locate either. The clerk said swaped with similar calls but has no answers and directs me to lawyer. Lawyer says no details, no record, contact XXXX. I advised already have and there is no such ticket owed. She says they swamped with calls as well. I advised her this is my verbal demand for documentation and dispute claim. She said call XXXX. I call XXXX & ask why they doing this to people? She said they don't know but call the collection agency. The number she provided was disconnected. A XXXX search found the number listed under the lawyer as media number. 

Please advise
Product: Checking or savings account

I opened my account on or around XX/XX/XXXX. The promotional offer ( XXXX ) was successfully attached to my account. I received the requisite {$500.00} payroll deposits ( 2 of them ). However, when I withdrew my balance entirely to cover a bill, it seems that deemed me ineligible for the offer and that my account can't be checked for re-eligibility even though I now have a positive balance of {$500.00}.

In the offer details, it does not state anywhere that an account can not be checked for eligibility. It simply states : Earn {$400.00} for opening a new Truist One Checking account from XX/XX/XXXX through XX/XX/XXXX and completing at least 2 qualifying Direct Deposits* totaling {$1000.00} or more within 90 days of account opening.

I have also not met any of the qualifications for account forfeiture as deemed in the offer : Reward forfeiture will occur if : ( 1 ) the checking account is changed to an account type not included in this client offer, ( 2 ) the checking account is closed prior to the reward being processed, or ( 3 ) the new checking account has a negative available balance at the time of qualification validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting my info inaccurately.
Product: Credit reporting or other personal consumer reports

I have a checking account with XXXX XXXX, and they use XXXX as an option for us to check our credit score and changes on our reports. 

On XX/XX/XXXX I received XXXX alerts on my credit wise that my SSN was associated with an address and name that Im completely unaware of. 

The report made to XXXX it says was on XX/XX/2023, both of them, but I received the alert on XX/XX/2023. 

Kindly advice
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent all 3 credit reporting agencies ( TransUnion, XXXX, and XXXX  ) letters notifying them that I'm a victim of identity theft. Neither company has removed any of the accounts from my Consumer report I've Sent in all documents pertaining to the case including a police report. I want all accounts removed from my Consumer report immediately. 

Also, TransUnion, XXXX, and XXXX  are in violation of the FCRA. 
15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information reporting on my Experian credit report. I have submitted several disputes online and by mail in regards to this inaccuracy, but Experian has refused to completely correct the problem, and it seems the company is playing with or " trolling '' my credit score, changing it every couple of weeks by almost XXXX points. A company called XXXX XXXX is continuing to report late payments and affects my credit score as if it is an open account. The account is not my responsibility the account was open at a time when I was in college, living with multiple people who may have had access to my information. I have contacted XXXX XXXX to obtain the documentation that would allow me to figure out who may have opened this account, but XXXX refused to provide me with any documents that show I did legitimate business with them, and refused to stop reporting this false information. The account is so old its status should be a closed account in collections. 

On my Experian credit report it says : Account status : Closed Date opened : XXXX XXXX, XXXX Account type : Unsecured Loan Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor & XXXX ; XXXX internal collection department Status date : XXXX XXXX Past due amount : {$390.00} Original loan amount : $ XXXX Monthly payment : - Late payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The calendar chart on my credit report has marked C for collection since XX/XX/XXXX. Although details of the account clearly show it should be categorized as a Collections account, XXXX has continually sent new late payment notifications, despite my numerous attempts to contact them. Experian still treats the account as open, even though the contract has clearly closed and is supposed to be in collections. I have disputed this issue with Experian and XXXX numerous times, to no avail. Just in the past 2 months, Experian has used this account to drastically change my credit score multiple times. Most recently, on XX/XX/XXXX, Experian raised my credit score to a XXXX and completely took the account off of my credit summary. However, when I viewed my entire report, the account still inaccurately appeared. On XX/XX/XXXX I contacted Experian by phone to begin a new dispute, but rather than properly erase the information, Experian deducted XXXX points, notified me I had a " new late payment '' and my " payment history rating dropped '' the very same day. I have dealt with the same issue several times since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection Services is attempting to collect a debt that is 1 ) Possible identity theft and 2 ) Possibly past the statue of limitations for collection. 
XXXX also keeps reporting this debt as validated and verified, even though no proof of such has ever been provided by the creditor or the credit reporting agency. 
I am now demanding proof proving this debt belongs to me, including proof of my identifying information that connects this debt to me. 
I am also demanding proof of the original date of delinquency on this debt. It is believed this debt is over 6 years old, which is past the statue of limitations for collection, which would take away the right of the creditor to collect and report this debt to the CRA 's
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity theft and the inquiries reported on my Credit Report were the result of such crime. I have been disputing for the removal of the unauthorized inquiries and yet the Credir Bureaus became ignorant of the letters I have been seding. I have read that under the FCRA sectrion 605b, The Credit reporting agencies are required to remove any account and information that resulted due to identity theft. I need the folloeing disputed unauthorized inquiried to be removed from my Credit report as soon as possible : 1. XXXX XXXX Inquired on XXXX XXXX, XXXX 2. XXXX Inquired XXXX XXXX, XXXX 3. XXXX XXXX XXXX, XXXX 4XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX 5. XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items listed need to be disputed : XXXX XXXX XXXX  XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$8900.00} XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$3200.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never ever had any XXXX wireless accounts! Im police reports were filed and turned over to XXXX over a year ago. They refuse to fix the issues. If not removed my attorney will be taking legal action as all documentation was provided.
Product: Mortgage

On XX/XX/XXXX I applied for a loan modification with Wells Fargo. On XX/XX/XXXX I was informed that Wells Fargo was not going to move forward with my loan modification. I don't understand how in the course of 4 days Wells Fargo was able to review all the documents that was submitted to them. I feel like Wells Fargo didn't give me a fair chance to review my documents, I felt like they rushed to make a decision just so they can kick me out of my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of this information came to light to me in XXXX when I attempted to get per-approved for a home loan. 
In XXXX of 2019 I was charged XXXX by XXXX XXXX XXXX. 
In XXXX upon receipt of the statement I discarded it as I thought I had cancelled the card and additionally I knew I did not owe them anything. 

In both XXXX and XXXX the same ... 

In XXXX I applied for pre-approval for a home loan. Upon the process discussion with the loan specialist, I was shocked as I regularly check my credit and I know 3 months ago it was well over 750! As the loan company stated, my credit was in the mid 650s due to the issue with XXXX XXXX XXXX, XXXX. The amount that XXXX  XXXX billed my account was {$6.00}!!!??? In addition XXXX  charged two months of late fees! I immediately called them and of course got a bull XXXX statement about the Wuhan Virus and blah, blah ... we're swamped and you have to hold ... In addition to the calls I sent a note summarizing the experience which was returned by the bank as UN-deliverable which I resent a second time. After 10plus calls and randomly pressing numbers I actually got a hold of someone. I asked to speak to a supervisor and was told there weren't any available. So I explained my issues. I thought I DQ 'd the card and tossed the bills and as a solution I suggested letting me pay the entire bill and correct my credit score. They said they would take off all the charges but nothing that they could do about the credit. I said that they are preventing me from the opportunity to buy a home and what makes it worse is it is over {$6.00}!!! I continue to contact the credit agencies and XXXX XXXX XXXX.
Product: Debt collection

I have received numerous written attempts to have me pay a debt already paid with the XXXX XXXX XXXX, TX. I have requested they stop calling me, have complied with their request for proof of payment, have contacted the XXXX XXXX XXXX, have gone online to ascertain if the debt is real. The XXXX XXXX XXXX assures me that I owe them nothing, even though the collection agency asserts that they have been hired by the XXXX XXXX XXXX XXXX Courts to collect the debt. I have gone online to the site the collection letter refers me to, an official XXXX Government site, and there is no record of any outstanding debt there, either. Now the collection firm is telling me a warrant will be issued and my drivers license will be revoked or suspended.
Product: Credit card

USSA has a CD in the amount of {$3000.00}. Which secures an XXXX XXXX Credit Card. Once again I have made a payment of {$2300.00} which cleared the account that on XXXX XXXX, 2016, posted to the USAA account on XXXX XXXX, 2016 but still not showing in the available credit. The reasons stated for payments to be held by USAA are account bring over the limit, account being delinquent, account receiving multiple payments, account delinquent, account over the limit, payment amount history over the limit and or payment returned. I wanted to know which category this account falls into and I was told multiple payments in a short period of time. So my question was you do not want the payment, but prefer that the account goes over the limit, or become delinquent? XXXX then told me that the payment would post at midnight tonight. I asked to speak to someone in the XXXX. I was transferred to XXXX who told me that over the last 6 months the payments have been held. I explained to XXXX that I had filed a complaint with the Consumer Financial Protection Bureau and in fact that the payments had posted to the account in XXXX and XXXX of 2016. In addition, the same office he sits in placed a call to the XXXX XXXX XXXX XXXX and confirmed the XXXX payment had in fact cleared the account. That day it was stated the additional payments would clear for three months. But we are here again. A payment of {$270.00} and {$500.00} plus was credited to this account during this very time period. 
When a financial institution can hold payments for all the reasons listed above but none apply to the account in question, and the person reading the notes on the account can disavow the actual transactions in which have taken place leaves questions as to the validity of the account payments being held. I am questioning that validity. 
Additionally, I also have auto insurance with this same company but in the last 6 months, I have had to call XXXX and had to wait for 3 hours each time. I pay the insurance but could not obtain the services in the initial time told ( 30 minutes ) to be towed. 
This is a company that projects its services to Veterans, but to what extent are they providing the services they advertise?
Product: Debt collection

I sent the the attorneys, XXXX, the firm that is representing Portfolio Recovery Associates LLC requesting verification of the debt, the original agreement signed by the alleged debtor and other information since this is a debt buyer and not the original creditor. I have not received the original contract but have received unverified billing statements. This is in violation of the FDCPA. They have failed to provide sufficient evidence of the validity of this debt or that I owe Portfolio Recovery Associates LLC. I sent the first request via certified mail and have sent a second request the same way. Instead, I have received a letter indicating they plan to sue me but have not as of this complaint.
Product: Credit card or prepaid card

XX/XX/2017, {$350.00}, the ladie in a XXXX XXXX ask me about if i want a credit store and i said NO i have to much credit cards to pay and she told me it 's not a credit card it just a application to see if you qualified for purchases and i filed thinking this do n't go to affect my credit report so then some days later I 'm receiving a credit card from that store " XXXX XXXX ''! 
The point is she told me to much lies to make me apply for that card and now I 'm no sure if trying to close this account this going to affect my credit and I want to report the store and the " lier lady ''
Product: Credit card or prepaid card

I had applied for a balance transfer to lower my interest rates. I transferred my XXXX  XXXX credit card to my XXXX credit card. XXXX says that the transfer went through and the balance transferred on XX/XX/18. Yet, my XXXX  XXXX balance never shows a transactions so I was stuck paying two balances on both cards. XXXX hasn't been helpful in telling me what is going on and who actually cashed the check. They keep opening claims but I get nowhere and have been accruing late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 usc 1681s-2 ( a ) ( 1 ) ( a ) it states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows it has any reason to believe the information is inaccurate. Experian is reporting this account as a charge off. By law a charge off is considered income ; Therefore income is not supposed to be be reported on a consumer report. This is invading privacy. Experian Remove this account listed under XXXX XXXX XXXX immediately. I am demanding you to do so.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiry in Question : XXXX  XXXX : XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution. 
Sectio

n 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information. Section 604 ( 15 U.S.C. 1681b )
defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 
Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiry. 

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Payday loan, title loan, personal loan, or advance loan

I made several payments to my loan and they were reversed by WellsFargo. I contacted Wells they said they would put in a request to have the funds re-applied but it would take 7 Business days. Meanwhile I am accruing interest which I shouldnt be. They are holding my money and have not reapplied my funds
Product: Debt collection

This will serve as a notice to cease all communication through all mediums including my credit report pursuant to 15 U.S. Code 1692c i as the consumer do not validate this alleged debt and is refusing to pay this debt until you can provide Me documentary evidence. 
I have never done business with your company and have no legal obligation to pay you for any services. 
I demand that you cease all communications. Unless you can provide any documentary evidence pursuant to 15 U.S Code 44 with all books of account, tax documents, and the ORIGIANAL contract with my wet signature in blue ink i am demanding you delete this account from my credit report or i will have no other choice to file a complaint with my attorney general within 3 days of receipt of this notice.
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 XXXX XXXX Account # XXXX - Experian XXXX XXXX XXXX Account # XXXX - XXXX, XXXXXXXX XXXX  Account # XXXX - XXXX XXXXXXXX XXXX  Account # XXXX - Experian XXXXXXXX XXXX  Account # XXXX - XXXX XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX USDEPTOFED/XXXX Account XXXX XXXX XXXX Experian USDEPTOFED/XXXX  Account # XXXX - Experian XXXX Account XXXX XXXX - XXXX DP OF EDUC Account # XXXX - XXXX DP OF EDUC Account # XXXX - XXXX XXXX Account # XXXX - XXXX XXXX Account # XXXX - XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX - Experian XXXX Account XXXX XXXX - XXXX XXXX XXXX XXXX Account # XXXX - Experian XXXX Account # XXXX - XXXX XXXX XXXX XXXX Account # XXXX - Experian XXXX Account # XXXX - XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States : I have the right to privacy 15 U.S.C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.