23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was seen a couple of times in XXXX  and needed testing. They had gathered my XXXX information which was also already in their system but failed to bill my insurance and instead sold 4 separate bills to the same collection agency Financial Data Systems.

Debts : 1. {$1000.00} 2. {$750.00} 3. {$750.00} 4. {$420.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account from XXXX XXXX CREDIT CARD that was not reporting accurately, I had a late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint on this date ( XX/XX/year> ) I'm now requesting you Investigate this account and update this payment to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully evaluating items on my report, I discovered multiple fraudulent items listed on my report. I am a victim of recent identity fraud and need the fraudulent items blocked immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a certified letter to Experian requesting an investigation of the inquiry thats on my credit report. The inquiry date was : XX/XX/2019 from Company : " XXXX XXXX ''. I never applied or authorized this company to check my credit. Furthermore, I currently do not have any account with this company. Experian failed to re-investigate. I also sent a letter to XXXX XXXX requesting for proof of this authorization, yet I received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX {$330.00} XXXX/XXXX  XXXX {$310.00}
Product: Money transfer, virtual currency, or money service

Two were sold on XXXX  and the transactions were paid for on PayPal. Item number XXXX was paid on XX/XX/XXXX in the amount of {$140.00}. The second item number is XXXX was paid on XX/XX/XXXX in the amount of {$100.00}. The total amount that was paid to PayPal was {$240.00}. Paypal is refusing to make payment on the items that i sold on XXXX, but was more than happy to accept the shipping fees that I paid them to ship the items sold to the purchasers. 

Trying to rectify this situation ihas been a complete nightmare. Despite numerous attempts, I have NEVER been able to speak with an actual representative, just a computer generated dolt.
Product: Checking or savings account

On XX/XX/2022 I was a victim of bank fraud in the amount of {$500.00}. Someone conducted an unauthorized wire transfer of funds from my checking account. Once I discovered what had taken place, I immediately contacted my bank to report the matter. 
The ironic and unfortunate circumstances included a person impersonating a rep. from my bank conducting a security call. 
My bank is denying responsibility and has denied my claim.
Product: Checking or savings account

It has been over 5 months since my account has been closed bank has not released my remaining funds.. I have been calling every week for 5 months and every time they tell me that my funds will be sent out within a week. They inform me that my account is closed and should be sent out a check but after numerous attempts to resolve issue I have not received my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my report and I do not recognize these inquiries as mine nor the information being reported as mine. I am aware that they have violated several of my rights! My name is XXXX XXXX and I am submitting this complaint without any influence from a third party or agency. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please see attached documents as well my identification as it contains my full complaint and my request.
Product: Credit reporting or other personal consumer reports

I have been in contact with Selene Finance LLC regarding this matter, but unfortunately, they have not been helpful, particularly with facilitating payments and maintaining clear communication. Additionally, the credit report contains errors, showing late payments from XX/XX/XXXXXXXX  through XX/XX/XXXX. To make matters worse, the first late payment was incorrectly reported as a 60-day late, which is a clear violation of FCRA.
Product: Prepaid card

The card can not be used online anywhere and I need a replacement card for in store purchase and the company told me it would be XXXX XXXX XXXX  before a replacement can be sent. Today is XXXX They have {$170.00} of my money that I cant access. This is what the customer service rep told me when I called today. XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dept of education was deleted off my credit XXXX. 
Then all of sudden it re appeared back on my credit? My credit was very healthy untill they keep reporting this.. Im trying to see how the deleted it for it to re appear on my credit im confused
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a request to remove unauthorized hard inquiries from my credit report. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have a balance of XXXX in Google Pay Wallet  Balance ( Payments Profile id : XXXX ). Google discontinued the product in XX/XX/year>. I have been unable to access, withdraw, or send the money in the account as a result. I have a linked bank account ending in XXXX and XXXX, as verified through wallet.google.com. I am unable to transfer my remaining funds to either of those accounts. I contacted Google regarding the issue in XXXXXXXX XXXX XXXX XXXXXXXX ] but still have not been able to access the funds.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, have contacted the companies to confirm the information on the credit report and confirmed that the information is correct. by doing a deep look through my credit report I noticed that some of the information was not accurate. Also, I'm on social security and I'm on state insurance. 

medical payment Data Account number # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX amount of {$500.00} In accordance with the Fair credit reporting act acct # XXXX has violated my rights.

15 U.S.C 1681 section 604 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it's also stating a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Employer - XXXX XXXX XXXX  Incorrect CurrentAddress : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, IL, XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Mortgage

In late XXXX, XXXX, I have receive a mail letter ( first mail letter ) from TD bank saying their recorder showing I don't have any current insurance, thus asking me to provide my property insurance information like insurance policy number, the name, mailing address and phone number of the insurance company or insurance agent. Otherwise, the bank will buy the insurance for me, and I will be liable for the period I do not have insurance. However the fax number provided in the letter never work out, thus I went to TD Bank Branch to fax the documents in early XXXX, XXXX. The document I faxed is the Insurance Binder which contain all the information the first mail letter asking for. I didn't receive any mail regarding the issue and my monthly mortgage payment didn't change. Later in earlier XXXX, XXXX, I received another mail letter, saying my monthly mortgage payment is going up because they have purchase the insurance for me. So I called the TD bank several time between XX/XX/XXXX to XX/XX/XXXX, I got different answers from different agents about what has happened. But they all said they have received the fax from me in XXXX, but they want the " Declaration Page '' not the " Insurance binder '', thus they bought the insurance for me without any notice before or after. However, I didn't find anything about " declaration page '' on the first mail letter I received. Then I contacted my insurance agent to get the declaration page that cover both XXXX and XXXX  year, and faxed those document together and received a fax confirmation that has page count. However when I contact the TD Bank today XX/XX/XXXX, the agent said they only receive the document for XXXX not XXXX. In addition, they are asking me to provide other additional documents, a statement from my insurance company saying I was full covered. The agent is very mean, rude and unprofessional. Didn't show any of respect! I have provide all the documents they have been asking, but they keep asking for more. I don't know if the TD Bank really want to resolve my issue, but just keep teasing me. I don't think this is right and fair.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
XXXX XXXX : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This XXXX include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This XXXX include emails, letters, or notes documenting your interactions with the creditor. 
XXXX Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
XXXX XXXX : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This XXXX include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I noticed that my credit score was improving. I looked into Equifax for 1 dispute. For {$2800.00} it was my dentist ( XXXX. ) who was paid in full through my insurance so I sent all my info to equifax. I looked a couple of months later to see if my dispute was resolved and noticed my score dropped 80-90 points. A couple of weeks ago I heard equifax was hacked, and last night I looked into it. With some hesitation I checked with equifax to see if my credit was compromised because of being hacked and they told me Yes. This is so unfair I was working to build my credit, after a long illness and now all they can do is monitor it. In XXXX I owed {$500.00}. That 's all. All my student loans where paid and now I do n't know what to do. I wanted to buy a home and due to the fact that equifax, my credit score is terrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX
Product: Vehicle loan or lease

I am writing to formally dispute a loan that has been mistakenly attributed to my name. The loan account in question listed with account number # XXXX, was issued by Chrysler Capital for an amount of {$63000.00} in XXXX XXXX.

I have never applied for or authorized this loan, and I believe this may be an error in your records. I discovered this issue on XXXX XXXX while reviewing my credit report
Product: Debt collection

ERC ( enhanced recovery company ) has been calling me from spoofed numbers. They are trying to collect a debt from XXXX that I Incurred in XXXX and that was discharged in bankruptcy in XXXX. The collections agent named XXXX told me that it was impossible for the debt to be discharged in bankruptcy because it went delinquent in XXXX. 

He threatened to put the item on my credit report. Again the debt was discharged in bankruptcy. I have since opened an account with XXXX for cell service that is in good standing. If I had bad debt with att I would not have been able to open cell service with them on XX/XX/XXXX.
Product: Debt collection

Rented XXXX Paid for one day, paid in full. Company ran credit card twice, two separate days and kept attempting to charge credit card for different amounts in different days. Sent emails of random different receipts that were not when or what we rented. Dates, times and amounts all different. Stole credit card info. Had to cancel credit card to get them to stop charging my card and after got a collection letter then for another different amount. After several attempts to stop the harassment, we keep continuing to get harassed. This was found and proved to be fraudulent activity.
Product: Debt collection

I am currently disputing this account and transunion recently completed their investigation and deleted it of my report. I am waiting for XXXX and XXXX to finish their reinvestigation because the balance is incorrect. It has been deleted on all XXXX of my reports but XXXX and XXXX are not done with their investigation. 

Here is the full story : This collection agency company is very unprofessional and are scammers. They bought my old XXXX retail account when my account was closed because i was unemployed. My XXXX account was opened on XXXX XXXX, XXXX and closed on XXXX XXXX, XXXX. My credit limit was {$2700.00} dollars and my ending balance was {$2400.00} dollars. My last payment date through XXXX was in the amount of {$20.00} dollars on XXXX XXXX, XXXX. Midland bought this account XXXX XXXX and first reported it to the credit bureaus on XX/XX/XXXX. I received couple of calls from midland around XX/XX/XXXX when they purchased it informing me that they are now the new owners of this account and to set up a payment plan to prevent them from reporting it on my credit report but i couldnt do it because i was still unemployed. The charge off amount was {$2400.00} dollars. Fast forward to XXXX XXXX when i contacted Midland funding to try and settle this account and things became a nightmare. I asked them if i could pay the entire debt amount in exchange for a deletion and was informed that they do not do that which was find. At first, they offered me XXXX % and when i called for payment couple of days later i was told that the offer no longer existed and i must pay the full amount or set up payment to prevent a lawsuit. I asked them to send me a debt validation letter since I had moved out and have not received any letters from them. When I received the letter, it was very brief and they increased my balance up to {$2800.00} dollars. On the same letter which i still have, Midland funding stated that they have not charged me any interest since the charge off which is strange given the fact that the charge off amount was XXXX dollars. On the next couple of days, whenever i called I always speak to a different representative who tells me a different story. They would tell me how they have a offer for that day only and to make a payment and when i asked for a mail stating the new terms before i can make any payments, they become rude. I disputed the balance through their consumer department and when i spoke to someone in that department, she actually asked me to tell her my original balance. In other words, they illegally increased my balance and have no record of my original data. I have no problem paying for what i owned but i have a problem with how Midland funding is so dishonest and unprofessional. Their representatives need more training when it comes to dealing with the public.
Product: Debt collection

I have some adverse information on my credit report from a dentist office that did work for me and my insurance company and I paid what was owed back in XXXX. I was just made aware of the adverse info on the report on XXXX XXXX, XXXX and immediately called the company Capital Accounts ( collection agency ) to dispute, spoke with supervisor, XXXX and started the dispute process. On XXXX XXXX, XXXX I called to follow up and XXXX said the dispute had been filed a couple of weeks ago and they were waiting for the dentist office to respond and he could n't help me further, I needed to wait for XXXX to call me back in 2 hours to answer any other questions. XXXX never called me back. I called back 24 hours later and XXXX said this has been going on since XXXX I do n't need to discuss anything with you and immediately hung up on me. I called back an hour later and was told by XXXX that I needed to speak with XXXX and he 'd call me back, still have n't heard from XXXX. I called today, XXXX XXXX, XXXX and spoke with XXXX again and he said if XXXX did n't call me back then he does n't know what to tell me. I immediately ended the call because this does not seem legit. In addition, I sent a letter overnight to the address I received from XXXX on XXXX XXXX, XXXX asking to resolve this matter, address P.O. XXXX XXXX XXXX, TN XXXX. Please help me resolve this matter so I can move on. 
Thank you, XXXX XXXX XXXX
Product: Credit card

We had been saving Credit Card ( Thank You ) points with CitiBank for years in anticipation of a XXXX trip. When we went to utilize the points through CitiBank 's phone app, it flagged the transaction as " suspicious '' and froze the account. We called to have the fraud alert lifted and the transaction verified. Just about an hour on the phone later, we were assured that the problem was fixed and that we would be able to make the purchase. This same cycle has repeated now XXXX times. This last time, we were so frustrated that we asked to speak to a manager. The customer service associate hung up on us. We called a second time today and asked to speak to a supervisor, and then again a manger above them. They were unwilling and unable to verify our account and close it. CitiBank was happy to let their automated system allow a point transfer to pay down a small balance on the card without limiting the transaction. They were also willing to even take and process a payment ( both of which I did and now the account has a XXXX dollar balance ). The company is not even at risk for loss now, and yet still, they refuse to close the account, This is not just poor customer service, by refusing to close the account, they are setting us up for a liability since we do not have control over our account now but are instead required to keep it open. This creates an unacceptable level of risk for us.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I review my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these reported accounts. It is not acceptable to treat these reporting accounts as unverified information without producing proof. Please reinvestigate the unverifiable accounts listed below : XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$500.00}