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

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.
Product: Debt collection

This company RR Resource Recovery LLC is trying to attempt to collect a debt that was NEVER owed! Account XXXX I am reporting this company for fraudulent charges made upon me. This bill is NOT due and was never due!
Product: Debt collection

We received a call on our business line confirming that XXXX XXXX was employed at our company. We were given the name XXXXXXXX XXXX XXXXXXXX and the phone number XXXX and the case number XXXX. 

I called the number given on our recorded business line and asked for the case details. I was told that it was for a car loan from HSBC from XXXX  that was repossessed and that they would be filing a lein against our property. They gave me an original amount of {$11000.00} and told me that the court fees would double that. I asked what I needed to do now and they told me I could settle now for {$7500.00}. They urged me that I had to move quickly before the lein was filed because then there was nothing I could do. 

I reached out to the Virginia State Bar and could not confirm they were a law firm. I called their number back and asked what state they were registered in, and they told me they had jurisdiction in all XXXX states and that they were based in California. 

I did some research and found that the statute of limitations in Virginia is four years, and this loan was from XXXX. I called them back to confirm they were a law firm, ask what their state bar number was, and was denied all of that information. They proceeded to threaten again legal action and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I have requested XXXX XXXX to remove old accounts from my credit reports. 

History : In XXXX I purchased 2 properties through XXXX XXXX. Those loans were transferred to XXXX then to XXXX XXXX. Payments were made to XXXX and XXXX reported them late or not made at all. Then XXXX XXXX created new accounts and posted those to my credit without removing the old. Late payments were no longer reported. My insurance and other records were showing I have a first and a second loan on both my properties which is incorrect. There is no second loan, only the two accounts for each property. 

XXXX : In a 5 hour phone conversation with 8 XXXX XXXX mortgage people I was able to get the second mortgage removed with my insurance company. The nice lady I finally spoke to at XXXX XXXX said my loans were in two different XXXX XXXX data bases. 

Anytime I applied for credit the issue of having a first and a second were coming up resulting in higher interest rates for credit. 

This is a XXXX XXXX problem the credit bureaus should have the permission from XXXX XXXX to fix or change. 

I believe there would be no consequence to XXXX XXXX to remove the old accounts since the duplicate reporting was due to them having my loans in two different data bases. 

I will appreciate any effort to resolve this. 

Thank you sincerely.
Product: Checking or savings account

I had a promotional rate savings account with TDBank. 
The rate was to be 2.50 % for 12 months from account opening. 
As I approached the end of the promotion period I began asking when exactly would my promotion period actually end ( what date ) and what would the new, non-promotional rate be. I sent secure messages to TD via the internet portal, called the retail bank offices, and asked the reps on the XXXX number customer service. I got nowhere. AWFUL CUSTOMER SERVICE. 

Finally, I decided after NUMEROUS inquiries, to close the account by transferring most of the remaining balance to another TD account, leaving just a small balance. 

At that point, with just a few cents remaining in the account, I sent secure multiple messages to TD Bank thru the internet portal asking that my ACCOUNT BE CLOSED and to transfer the remaining balance to my checking account. 

I sent this request on the following dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

In two cases I got a non-responsive response from TD ( a canned response ) basically saying nothing. 

In one response from a " XXXX '' on XX/XX/XXXX I was actually told that she could not close my account because it had a balance. So I withdrew the last few cents and repeated my request on XX/XX/XXXX. 

Today I checked my accounts on online and I see that TD Bank assessed me two ( 2 )  {$15.00} service charges on the savings account totaling {$30.00}. 

Now, of course, during all this time, their branches are closed so u can not walk in. 

I called the branch several times, left my name, no one bothered to call me back. 

When you try to call the XXXX number you are put on a long hold to talk to a person. 

Actually, as I type this complain I am on hold now with TD Bank awaiting a live person. 
I've been on hold now for 30 minutes.
Product: Checking or savings account

On XX/XX/XXXX I was sent an email from Chime bank stating that they closed my account due to fraudulent activity. They gave me a list of information that they needed in order to open the account back up. When I called to ask why did they close my account, I was told that I needed to turn in that information and that the account cant be opened up without it. They wouldnt even answer my question. They close my account over a refund that I received from a finance company called XXXX where I finance a mattress from a company called XXXX. Between XXXX and XXXX I got all of the information they asked for and Chime still will not open my account. Also what they need to open the account keeps changing with each email that I send in proof. So they basically want proof that I was the intended recipient of {$1600.00} from XXXX ( thats the name that shows up as their merchant ) and why did they give me that amount of money and the Original receipt. So I ended up returning the mattress I financed back to XXXX and XXXX refunded me {$1700.00} to my account. That included the fees I paid and the interest I paid to XXXX. But Chime wants proof of only {$1.00} for some reason from XXXX. I told them if they look at my transactions that they would see that I had automatic payments set up with XXXX to take {$82.00} every two weeks since last XX/XX/XXXX. And when I returned the mattress in XX/XX/XXXX they Reversed all the payments made to them back to my account on XX/XX/XXXX. Ive had XXXX send them an email, they also sent me an email with all the information they asked for along with me sending receipts and the original receipt from XXXX. They are now saying they need A receipt for each reversed payment that they put in my account which was the total of 33 transactions. And that wasnt something they asked for in the beginning. I again told them to look in my transaction history so they can see those payments coming out my account and all they did was reverse them. The company has explained to them that I was to have received {$1700.00} for the refund and return of the mattress I brought from them and they still wont open my account.
Product: Money transfer, virtual currency, or money service

I went to my closet BMO bank branch to do a wire transfer to one of my brokerage accounts. This was the fastest ways to fund that external account, and timing was imperative. I had all of the pertinent information outlined precisely. The bank representative hurried me in and rushed through the process. I repeatedly stated the account numbers and the correct areas in wich they needed to be placed in. My funds are in limbo due to the gross negligence of the banking representative. I'm a volatile stock investor and this situation has cost me $ XXXX potentially more. I have a copy of the " Domestic Consumer Wire Transfer Request ". This individual NEVER ENTERED MY NAME OR ACCOUNT NUMBER TO THE BROKERAGE COMPANY!!! My lively hood depends on those funds being accessible. Now, my money is lost in space. Again, the miss handling of this wire transfer has put me in a bad position...
Product: Debt collection

I recevied a letter dated XX/XX/2020 from TCF Bank referencing a loan I never took out. They state payment was due on XX/XX/2020 but don't include the amount due. Just a " $ '' When I called the # on the letter it was for a TCF Bank collections department. I did not wait to speak to a representative because this appears to be a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received alerts and a letter dated XX/XX/2021 that a credit inquiry had been placed on my account regarding a denied request for a credit line increase from XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, SD XXXX. I did not solicit a credit line increase nor did I provide my information to such XXXX XXXX provider in order to have an inquiry into my credit report. I called the company and was told that it must be an error and I would have to dispute it with the credit agencies for the inquiry to be deleted. 

I hereby solicit that the inquiry be removed for it was not authorized nor did permissible purpose exist in any way for my credit to be affected or revised.
Product: Student loan

I have tried desperately just to get a billing statement from MOHELA for my taxes. I called the customer service number that MOHELA lists XXXX times on XX/XX/13, in addition to all of the other numbers that are listed. 

Customer service : XXXX XXXX XXXX XXXX - 4 times I got a message from my phone carrier that the call simply can't be completed - 1 times I was hung up on mid prerecorded message. 
- The last time I magically managed to get through. They kept me on hold to XXXXhe point where I couldn't wait any longer because I had to go back to a meeting. I repeat- I spent XXXX hours trying to get in contact. 

International numbers listed, among others : XXXX times the call simply would not connect. 

It is nearly impossible to be transferred to a person. When you do, there are astronomical wait times. 

All times that the call just wasn't outright denied, there were XXXX minutes of prerecorded, unhelpful XXXX to listen to. I'm disgusted with their customer service. Something needs to be rectified immediately, or the company should be shut down entirely. 

All I wanted was a billing statement that should have been provided on the website to begin with.
Product: Credit reporting or other personal consumer reports

XXXX submitting today a complaint to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information that are being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

equifax hippa and privacy rights violation, you state you will not investigate at this time, this is a serious matter doc 's enclosed
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. The inquiry was not authorized XXXX XXXX XXXX  FIN Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  FIN Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit card or prepaid card

It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.
Product: Credit reporting or other personal consumer reports

about 2 months ago i recived a copy of my credit report and i noticed severals accounts that listed of my report that i never apllied for never used
Product: Debt collection

I contact American Collections Enterprise , Inc. the same day I received an invoice for a XXXX medical invoice for my daughter. 

The invoice had an address to mail checks to but no payee information. 

I had overlooked the invoice and was calling to request to whom I should make the check out. They immediately started giving me the run around even though I was saying that I would pay them in full immediately. They wanted to send me to a web site ( I do n't think they have one ) to find out. The person on the phone got combative when I pointedly asked for the answer to a simple so that I would not have to waste time looking through a web site. Further it was not a confidential piece of information ( my daughter is over XXXX. ). She then hung up on me. I called again and got the same behavior from someone else although not quite as combative but combative still the same. She avoided answering the question, claiming that my daughter would have to call, but eventually did provide the information. 

Given the conduct, the many previous complaints about this company in your database, I am extremely concerned about identity theft or some other kind of fraud. I have never heard of trying to collect money and then refusing to tell you how to make out the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry from CBNAOFDEC of XXXX XXXX XXXXXXXX XXXX, TN XXXX, was placed on my XXXX   credit report on XX/XX/2019 that I did not authorize, and did not approve, I have no open account with this company or any prior dealings with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

ERC : Enhanced Recovery Company Account # XXXX {$730.00} Opened : XX/XX/2020 ( FALSE ) Status is Open and reported on XXXX  and XXXX   ACCOUNT HAS BEEN DELETED BEFORE Reported account is reporting false information. I never opened an account with XXXX XXXX XXXX or ERC on XX/XX/2020. Account was deleted before as inaccurate but has been reported again. Predatory reporting by means of false dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Product: Prepaid card

On XX/XX/year> I check into the XXXX XXXX XXXX  at the XXXX fairgrounds in XXXX Florida. The hotel charged my card for a new deposit which they were supposed to return within 3 days of check out. They didnt and despite many phone calls, I got absolutely no where, so I went onto the cash app website and disputed the charge as it was for a deposit and not a room charge or a fee. I was very surprised when they almost instantly turned my dispute down with little reason other than saying that they checked to make sure there was no error and that no error orccured dispute denied. I was shocked its not like they even read my the dispute or had time to send it to the merchant ( the clearly are playing by their own rules and violating their agreement with XXXX on how the dispute process is supposed to work and even if in a dispute they remained neutral and evaluated charges and disputes objectively that would be fine but the company whom I am their customer seems to have it in for their clients and simply rejects things out of hand.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report and request its deletion in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant laws. This letter pertains to my rights under the following statutes : This inaccurate information has never been updated nor corrected from XXXX, Equifax both agencies updated Fraudulent information on my credit report without notification by mail. I submitted my FTC reporting and also proof of documentation of the following account XXXX is inaccurate and I've submitted proof of the contract with original creditor. 
Legislation : 15 U.S.C. 1681 : General provisions and definitions 15 U.S.C. 1681e ( b ) : Compliance procedures 15 U.S.C. 1681s-2 : Responsibilities of furnishers of information 15 U.S.C. 1681i ( a ) ( 5 ) : Reinvestigations of disputed information Disputed Information : Upon reviewing my credit report, I found the following inaccurate and potentially fraudulent information : Credit Reporting agency : XXXX, Equifax Reasons for Dispute : Inaccurate Reporting : Under 15 U.S.C. 1681e ( b ), it is required that credit reporting agencies maintain maximum possible accuracy. The listed items do not meet this criterion.

Obligations of Furnishers : As per 15 U.S.C. 1681s-2, the furnishers of this information are required to report accurate data. Their failure to do so necessitates the deletion of these entries.

Reinvestigation Requirement : In accordance with 15 U.S.C. 1681i ( a ) ( 5 ), I am requesting a reinvestigation of these entries and their subsequent deletion. 
Supporting Documentation : I have enclosed copies of the following documents to support my dispute Action Requested : I formally request that you : Ensure that all inaccurate information is permanently corrected and removed.

Provide me with a corrected copy of my credit report reflecting these changes.

Refrain from re-inserting any incorrect information unless it is verified as accurate.

Legal Rights : Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to investigate my dispute and correct any inaccuracies within 30 days. Additionally, under 15 U.S.C. 1681e ( b ), you must ensure the maximum possible accuracy of the information reported. I've submitted documents of the contract agreement with XXXX showing the correct account number and balance. XXXX and Equifax are reporting inaccurate reporting. These accounts need to be deleted due to fraudulent reporting.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
1. XXXX XXXX XXXX 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 is XXXX XXXX, and I appreciate you taking the time to delete some of the information in my credit file ; however, there are still accounts that need to be corrected or deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are deleted immediately. 
XXXX XXXX Balance : {$0.00} XXXXDOFED XXXXBalance : {$0.00} XXXXDOFED XXXXBalance : {$0.00} U S DEPT OF EDXXXX XXXX Balance : {$2100.00} U S DEPT OF EDXXXX XXXX Balance : {$3600.00} XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$3500.00} DP OF EDUC XXXX Balance : {$2100.00} DP OF EDUC XXXXBalance : {$3600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice that I had a late payment on my credit report. I looked up the account and it is one I do not recognize. I filed a police report and reported the account as fraud to the Credit bureaus as well as the financing company. The company Instead of investigating or ceasing reporting of the information they updated their file with the information from my complaint. Where they had my previous name they updated to my married name where they had an Incorrect address they update it to my current address and any other false information provided by the person committing the time its updated as though they were updating a debt owed by me. The credit bureaus refused to update it saying that they had to remain in compliance for the creditors account and not my credit reporting even though they are reporting false information
Product: Credit card or prepaid card

I made a payment to First Progress by phone on XXXX/XXXX/2020. The only other way to pay is via XXXX  XXXX  or through my online banking. There is no way to pay directly online. This means that in order to prevent the payments from arriving late, I have to make the payment 2-3 weeks prior to the due date. That is not always possible for me because of cash availability and should not be a requirement. When I called to make the payment, I told the representative to collect the {$10.00} fee that they charge to make payments over the phone. I believe that {$10.00} to allow me to make a payment is excessive, but I didn't want to pay any late fees or have a late payment reported to my credit report. The representative did not take add the {$10.00} fee to the payment I made which left a {$10.00} balance that I was not aware of until I had a 30 late payment. I called to have the issue resolved, and they required me to send a letter. I sent a letter via us mail and they replied via us mail that the information is correct and they will not be making any changes to my account or to the reporting of my account. 

I don't understand why I am being punished for the error of the representative I paid {$10.00} to take my payment. I never checked because I believed I had a {$0.00} balance and had not used the card again. This inaccurate reporting is directly negatively impacting my quality of life. I talked to a friend of mine that told me a lot of people are suffering because of what first progress is reporting and the neglectful customer service we are receiving.
Product: Credit reporting, credit repair services, or other personal consumer reports

Waiting on the removal of last item on my Transunion credit report