23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This inquiry is with respect to my Macy 's XXXX XXXX XXXX ( " XXXX '' ) serviced by Citibank ( " the Bank '' ). On XX/XX/XXXX, I contacted the Bank concerning a number of fees assessed to my account erroneously. After nearly an hour the representative had not resolved my concern or indicated why I was charged the fees. Eventually, I would request a supervisor. The representative refused to connect me with a supervisor. My instructor to the representative was if we could not resolve the issues related to the fees amicably, I would institute proceedings to close my account. The representative then disconnected the line. In the minutes that followed, I received an email from Macy 's confirming my account 's closure. Not only was no disclosure read or given notice ( a requirement of the Truth in Lending Act of XXXX ), the representative refused to amicably resolve the fee issue or escalate the matter to someone capable. In follow-up on the same day, I reached a Manager at the Bank who credited the fees incorrectly assessed to my XXXX. The issue remains however that my account was closed without my full consent and the Bank violated the Truth in Lending Act. I have attempt to cure this issue with the Bank directly unsuccessfully and this action will inevitably affect my credit.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX Balance : {$5200.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have 2 hard inquiries about XXXX XXXX XXXX XXXX on my file and the credit bureaus are telling me they cant be removed because I have to contact them directly. So when I contact them directly I get the run around they tell me to contact the credit bureaus and 15 usc 1681 tells us that anyone who fails to comply with any requirement imposed under that certain sub chapter is liable to the consumer and my credit and living has been affected its inaccurate and it states I could get from {$100.00} - {$1000.00} for false pretenses. 

I also have a police report which the bureaus keep requesting of me so with all I'm doing I'm requesting these things be removed.
Product: Credit reporting or other personal consumer reports

Under XXXX USC XXXX ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX
Product: Debt collection

Account for XXXX XXXX ( XXXX ) which i do not/never had. Previously talked with someone and they told me another account was opened at another address in same neighborhood. Which i never lived there so idk how my info is keep being used even tho i have my ssn blocked. Tired to them doing to me. I don't wan na result taking it to the attorney general. But if not fixed and taken off i will use them.
Product: Debt collection

There is a collection on my report I don't recognize I have not applied for no service through this company or do i know this company Southwest credit systems lp {$410.00} XX/XX/scrub> XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was extremely upset to see unauthorized inquiries on my credit report this evening, with no clear reason why. I always check my report regularly, but this time there were discrepancies that caught me off guard. Even after refreshing my browser, the unauthorized inquiries didnt disappear. I am asking for a detailed review of the documents I sent so that I can finally be free from this constant worry.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 2 months, starting XX/XX/2022, I, XXXX XXXX have been contacting this credit reporting agency requesting proof of verification of the items they have listed on my credit report. I have sent multiple letters through certified mail, I have a tracking number to verify these letters were received by this agency. However I still have not received any updates or proof of how these items were verified to be accurately listed on my credit report from this credit reporting agency. I have requested verification for the following items : XXXX. XXXX XXXX XXXX XXXX - XXXX {$7100.00} XXXX XXXX XXXX XXXX XXXX Bal {$640.00} According to the Fair Credit Reporting Act, 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( A ) reporting agencies are required by law to verify through physical verification of the original signed consumer contract any and all accounts posted on a credit report. Otherwise anyone can give wrongful or worse fraudulent information. I have asked this agency to provide proof for these above items on my credit report but have yet to hear from them about these items and it has been more than 45 days.
Product: Credit card or prepaid card

Monthly payment was with drawn from my account by Citi totaling XXXX and they cashed a check of XXXX. Altogether XXXX. And change. XX/XX/XXXX and they have refused make the credit balance available or credit it back to me in a timely fashion. 

Every time I would speak to a supervisor ( XXXX, XXXX and XXXX  ) the hold date would be extended by a day first it was the twelfth then the XXXX now its the XXXX. 
Checks are coming through and they are going to be turned away because the fund are not there. XXXX every check. 

I have talked to my bank, they were more then happy to send an email fax or transmitting of the cleared fund XX/XX/XXXX. Still Citi wanted only verbal verifications Making available all my security questions and answer known, so my bank respectfully refused the third party verify by phone. ( Makes Sense ) for my protection. 

I called the attorney general of RI, they confirmed what has happened to me is not lawful and is unreasonable then gave me direction to contact the Consumer Financial Protect Bureau I called one more time today XX/XX/XXXX to see if it had been credited, that is when I was informed of the XXXX date change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian, XXXX  and XXXX  to let them now that they continue to report inaccurate information on my Credit Report and they refuse to update the information. I called the collection XXXX XXXX XXXX XXXX who stated that the information they reported was inaccurate information and the will remove the inaccurate information immediately through e-oscar. They gave me a AUD # ( XXXX ) but Experian, XXXX  and XXXX  still refuse to update the information. Experian, XXXX  and XXXX  has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at Experian, XXXX  and XXXX  infliction of emotional distress and at the other diminishes of the quality of my life. I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX  Experian, and XXXX XXXX ). As I am currently attempting to apply for a place to live, and time is of the essence. Please understand that I am extremely concerned about the consequences of the actions Experian, XXXX  and XXXX  is having on my life. Please be advised that, if this matter is not resolved by immediately, I will take any and all necessary steps to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXXBalance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

NewRez began servicing this loan on XX/XX/XXXX, assuming this role from XXXX. In this process NewRez has been negligent in transferring information financial associated with this loan. 

Documentation for current Homeowners Insurance was not reflected on my account. This resulted in NewRez purchasing a policy on my behalf.Escrow analysis is incorrect and NewRez is lax is having it corrected. The result of this is a {$220.00} increase in my monthly payment. 

I have completed my due diligence in correcting these issues : Proof of policy was uploaded to the proper website.The escrow miscalculation was reported on XX/XX/XXXX. 

Despite my attempts to rectify the manners NewRez has been slow to respond and has yet to attempt to correct the problems. According to my XX/XX/XXXX phone call, NewRez personnel didn't initiate the repair process until XX/XX/XXXX ( 5 days after my initial report ). Personnel were unable to tell me when these problems would be corrected, only that a letter had been sent to me. 

Currently, I have received 2 generic form-letters stating that they are working to gather information. 

I made a XXXX mortgage payment by standard check in the amount I calculated to be correct. This payment has cleared the bank but as of XX/XX/XXXX is not reflected online. I have made several phone calls, waiting on hold in excess of 20 minutes. 

I emailed NewRez on XX/XX/XXXX with no response and then faxed them the same correspondence on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX there was a hard inquiry on my credit from XXXX XXXX XXXXXXXX. It was not from me, I didnt authorize any credit checks or open any accounts/credit cards. 

On XX/XX/XXXX there was a hard inquiry on my credit from Jpmcb Card. It was not from me, I didnt authorize any credit checks or open any accounts/credit cards. 

On XX/XX/XXXX there was a hard inquiry on my credit from XXXX XXXX XXXX. It was not from me, I didnt authorize any credit checks or open any accounts/credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

On XXXX XXXX, 2017, I wrote to the company asking them to validate debt as I did not have a contract with Portfolio Recovery ever. They sent me ( 4 ) bills to validate debt which was from ( 4 ) different companies, for 4 different accounts. I have never opened any account with Portfolio Recovery. I have tried disputing this debt on numerous occasions as I did not have any contractual agreement with this company. Sending a bill is not validating an account with said company. I have asked them to show i actually signed and agreed upon said debt. The amounts on the bill does not attach what has been reported to my credit report. 

Accounts : 1 ) XXXX XXXX {$680.00} 2 ) XXXX XXXX {$490.00} 3 ) XXXX XXXX  {$440.00} 4 ) XXXX XXXX {$380.00}
Product: Debt collection

Credence resource management sent written notifications with insufficient information about the debt after failing to inform me that a debt was owed. My credit report was flagged for collections XX/XX/2023 by Credence resource management for a debt to XXXX of {$500.00}. I wasnt aware of this until checking my credit report in XXXX. I sent a written letter to XXXX  resource management XXXX requesting proof and documentation of debt that would have my personal information, or other identifying information that proves that I am the owner of the account. Credence resource management responded with a letter saying that they have validated the charges on my account, but failed to provide me any documentation that proves that I am the owner of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the validity of the following accounts listed on my credit report : XXXX XXXX, XXXX XXXX, XXXX XXXX CO XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX. 

I have reason to believe that these accounts have been incorrectly reported to the credit bureaus and are in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, I would like to remind you that it is the responsibility of the reporting agency to ensure that all information on a credit report is accurate, complete, and up to date. 
In accordance with the FCRA, I am requesting that you conduct an investigation into these accounts and provide me with documentation of their validity. Furthermore, I would like to request that you remove any negative information associated with these accounts until their validity has been established. 
I believe that my rights as a consumer have been violated by the inaccurate reporting of these accounts, and I would appreciate your prompt attention to this matter. I am confident that with your assistance, we can resolve this issue in a timely and satisfactory manner. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX filed a Notice of Cease and Desist letter to all 3 credit bureaus. It's what I've been sending and no response. No original contract with wet ink signature hasn't been delivered to my attention. Have no right to collect a debt without the original wet ink signature contract.
Product: Credit reporting

XXXX we sent a letter to the credit bureau asking them for assistance on numerous problems we saw on our credit reports. It is almost 90 days later and no response. I just read an article that said they are supposed to answer in 30 days. So this is breaking the law.
Product: Credit reporting or other personal consumer reports

Around XXXX, 2023 Equifax placed a fraud alert on my credit file. I never requested this in any way. I am trying to purchase a car, and I am being denied credit from out of state lenders because of this fraud alert. Many require me to verify my identity inside their ( only out of state ) branch. I am not able to do so, so the application is denied. On XXXX I followed their instructions to remove the fraud alert by mailing a letter along with a copy of my driver 's license and social security card. The required time has elapsed to remove the alert, but this has not happened yet. On XXXX I contacted them at XXXX to follow up on the status. They said they could not help me because they could not verify my identity. I provided the same information the other credit agencies use to very my identity. I asked for a supervisor, and I was placed on hold for an hour. No one called me back. I have cleared the fraud alert from XXXX and XXXX, but Equifax is still reporting an active fraud alert to them. So, the other agencies keep re-adding a fraud alert.
Product: Credit reporting or other personal consumer reports

I have been paying for a subscription for XXXX, plus trying to get an updated credit score and information on XXXX, but it is not giving me the information I need. Inaccurate information from all 3 credit bureaus.
Product: Debt collection

USCB America has called me multiple times per day from multiple 855 area code phone numbers. If I answer, I get a robocaller message. If I don't I get the same automated message with the only option to call some 800 number. I actively monitor my credit report and owe no debt that is in arrears. I would like this harrasment to stop.
Product: Credit reporting

I am filing this complaint against Equifax , because Equifax has ignored my repeated requests to provide me with the documents that their company has on file that was used to verify the account I disputed. It has been over 30 days. So this account is supposed to be removed from my credit report according to the FCRA. 

Also Equifax put back an unauthorized inquiry that was deleted off my credit report in XXXX 2016. I have proof that it was deleted XXXX 2016. The included attachment shows it was deleted XXXX XXXX, 2016. It is item # XXXX on the enclosed attached, XXXX.They re inserted it back on my credit report the next day. I have been writing them since XXXX 2016 and sending them the proof that it was deleted. But they ignore me and continue to list it on my credit report. I had read somewhere that they must send you a written letter giving you 5 days notice that a deleted account will be placed back on your credit report. This was not an account, but an unauthorized inquiry due to identity theft. Please help me get these issues fixed. Thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXX. FCRA violations : Credit reporting agencies or furnishers can violate the FCRA by failing to correct inaccurate information on a consumer 's credit report, failing to respond to disputes within the required timeframe, or reporting outdated negative information. 

XXXX. TILA violations : Lenders can violate TILA by failing to provide clear and conspicuous disclosures regarding loan terms, not providing proper notice of the right to cancel, or advertising credit products without disclosing necessary information. 

XXXX. FDCPA violations : Debt collectors can violate the FDCPA by engaging in harassing behavior, providing false or misleading information, communicating with third parties about a debt, or continuing to contact a consumer who has requested in writing that they stop.
Product: Credit reporting or other personal consumer reports

I disputed inaccurate accounts to XXXX, XXXX and Transunion and they did not follow up with verification of debts or removed the inaccurate accounts as required.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has my loanpal acocunt under the name XXXX XXXX XXXX while using my Social Security nuimber. My legal name is XXXX XXXX XXXX. Equifax still has not allowed me to dispute this and they refuse to provide any support on this. This needs to be fixed so the name on my account matches the name on my Social Security Number
Product: Mortgage

On XX/XX/XXXX, a representative from Prime Choice Funding sent an email asking for " documents '' to obtain mortgage rates in order to refinance my current loan. I forwarded documents such as Pay stubs, W-2 's, and current mortgage statement, however, I did not sign or send an authorization or consent to run mine or my wife 's credit report. 
On XX/XX/XXXX, this representative sent an email with both my wife and my credit scores, which he obtained from the credit bureau. I was outraged and furious that my credit was obtained without the express written consent of myself, or my wife. 
This was a blatant disregard for my personal information, and illegal as I did NOT give consent. This representative stated in an email that since I gave my DOB, that was the same as consent.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern, Hello, my name is XXXX XXXX XXXX, Consumer, who currently reside at XXXX  XXXX XXXX XXXX XXXX, FL XXXX, which is in XXXX County . I am writing this complaint because Experian Information Solutions , Inc., is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX, Consumer, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the Experian credit file of XXXX XXXX XXXX , Consumer.