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

I checked my credit report XXXX of XXXX because I did not agree with a collection that was on my report the original creditor is " XXXX XXXX XXXX '' and the debt collector is " XXXX '' The debt collector informed me that I owe {$2000.00} ( I have a copy of what they sent me ) Equifax, However, was reporting that I owe {$2000.00}, So I asked Equifax to re-investigate this matter because they weren't reporting the same amount ( after it came back " validated '' ) It has now been over a month and I have not heard back from Equifax. 

My next complaint is for the same account but this time with XXXX the same process from above was followed. XXXX, also was reporting that the balance owed was {$2000.00} I then sent them a letter its been well over a month not only have I not heard back from them- they UPDATED the balance owed to {$2000.00} another incorrect balance if these are the SAME ACCOUNT I don't understand why I'm being told 3 different balances. 

I'd like for this all to be removed from my credit file. 

In my possession I have the invoice from the original creditor, debt collector & the letters save that I sent to both credit bureaus.
Product: Debt collection

AN Account has been reported onto my credit profile under a name in which I have never entered an agreement with. As you can see on my report I have never lived in this complex /rental property. I requested the debt collector to send debt verification and they did not do so and now they have illegally reporting this on my credit profile.
Product: Mortgage

This is a second complaint against this bank. previous XXXX OnXX/XX/XXXXI sent a check to Bank of America at their XXXX Post office box for XXXX for myXX/XX/XXXXmortgage payment with a note attached that said " do not deposit this if you have already drafted my payment '' as they usually do. I was concerned they would charge me with another late charge of {$40.00}. Well they did draft {$830.00} on XX/XX/XXXXWhen I called customer service they said that check recipients do not read anything attached to a check. They just deposit it. To get my overpayment back I was told I would have to send a copy of my bank statement to verify the check was paid. I complained that I do my banking on line and do not receive bank statements. I'm XXXX years old and do not have time for this nonsense and need my money back to pay other bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I find out that my information has been used fraudulent by a phone call the last call I received was on XX/XX/XXXX, I check my credit I had the issue before in XXXX, I dispute the fraudulent account, I did not received any money to go to school in XXXX, or XXXX, The Company Nanvient, ask me to send some papers with my identification, I been sending the same information, for 9 years now, They and XXXX refuse to remove it from my credit report, and is affecting me know, I have to move to another place the Landlord got so sick and has to sell the property, due to the negative of the student loan my score is low, I submit a request to XXXX with a police report, they refuse to delete it from my credit report, I submit the same request to XXXX and XXXX XXXX, they work well with me and help me to resolve the Issue, I been calling and sending proofs to XXXX  and Nanvient, but they refuse to remove those accounts from my credit. 
I request please for them to remove those student loans that I did not apply for or get any money from any one.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF DEFUALT THIS COMAPNY HAS NOT REPSONDED TO MY CORRESPODENTS CONCERING MY CONSUMER RIGHTS BEING VIOLATED. 
THIS COMPANY HAS IGNORED THEIR DUTY TO PAY CONSUMER FOR ALL CONSUMER VIOLATIONS PURSUANT TO FCRA. 
THIS COMAPNY CONTINUES TO WILLFULLY WITH NELGIENCE HINDER MY LIFE BY NOT FOLLWING CONSUMERS DEMAND FOR THE VIOLATIONS THAT HINDERD MY LIFE AND WELL BEING. THIS IS BECOMING A STRESSFUL SITUATION WHEN IT SHOULDNT BE. MY XXXX XXXX AS A XXXX  SHOULD NOT BE AFFECTED BY VIOLATING COMAPNIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue. Bankruptcy is a public record I contacted the courts myself and was advised that they do not " REPORT/ VERIFY '' any public records for credit bureaus because the information that is on my credit report is invalid which is a violation of new public record law stating that if public record includes invalid information it must be removed.
Product: Credit reporting or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT. The List of accounts below have violated my federally protected CONSUMER RIGHTS to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A. Section 2, States a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I submitted a fraud dispute directly to XXXX, and they contacted me on XX/XX/2024 that the account is in fact fraudulent but the credit buearus have yet to update the information on my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

PROSPERXXXX advertised on XXXX XXXX that it would do a soft pull to my credit. They did a hard pull to my XXXX credit report. However, they did a hard pull and did not approve the loan. I would like to have this inquiry remove from my credit report ASAP. They are false advertising that it would be a soft pull.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, Enclosures Proof of identity
Product: Checking or savings account

I had 3 accounts at Bank of America ( 1 checking, 2 savings ) that all used to be free accounts. At some point, the fee rules supposedly changed and I was not notified. Fees continued to accrue on my accounts for 18 months, totaling about {$280.00} in fees. I called Bank of America and they acknowledged that all of the fee rules changed for my accounts at some point and I was told that the information was included " on a small line on one of my statements ''. This should have been sent out as a big bank notification, like they send me an email every time my account is low. They also could have sent out a second obvious mailer. I  believe that they did not want consumers to notice all the new fees. I also believe that have a suspicious practice of giving a free account and then at some point that transitions to having fees. So basically they are trying to hook you and then trick you into accruing a bunch of fees on your accounts. Bank of America only returned {$8.00} I believe, which was one fee on one of my accounts. I closed 2 of those accounts that day but need to stop a direct deposit on the third before closing. I believe Bank of America should be closely investigated for this practice and penalized.
Product: Credit card

On XX/XX/, I was notified via an XXXX credit alert that a credit card had been opened in my name. I called the credit card company ( Bank of America ) and they cancelled the credit card. I was told that the account was opened with my social security number and email. At the same time, I have been signed up for email notifications from the following : U.S. Department of Labor ( XXXX ), Library of Congress ( XXXX ), Securities and Exchange ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Health ( XXXX )
Product: Mortgage

XX/XX/XXXX - We received an escrow analysis as our mortgage was coming up on a year old. The escrow analysis identified that we would be be receiving a check as we had a surplus of over {$3000.00}. Additionally, the new ( same ) escrow payment was based off of an estimated tax payment that was nearly double our current tax payment that we paid in XXXX of XXXX. Due to this, the loan servicing company was going to incorrectly hold an additional {$3000.00} or so again, which is way over the XXXX escrow cushion allowed by law. 

XX/XX/XXXX - After identifying the issue above, I reached out to notify the loan servicing company of this issue. The agent initially denied that there was any issue with the payment and I was incorrect, however after 10 minutes or so agreed to submit a request to have a re-analysis performed. I do not remember the date they mentioned the analysis was going to be completed, but I believe it was somewhere around the XXXX of XXXX. 

XX/XX/XXXX - When the XXXX of XXXX came, no new escrow analysis was available on my account and the payment remained the same. I called the loan servicing company again and spoke to a different agent this time. They informed me that the escrow analysis was completed and no changes were made. Upon the agent 's review of the escrow document however, they did note that an incorrect tax amount was being used and again requested a new escrow analysis. The agent also identified notes were placed in the file that a new tax amount needs to be used. The new analysis for this call was to be completed no later than XX/XX/XXXX. 

XX/XX/XXXX - No new escrow analysis was available so I called once more. A different agent from the first two answered, and proceeded to read the case notes after I described what was going on. They saw the issue and agreed with the second agent, and were not sure why a new analysis was not issued. They mentioned that they could submit another request, and I asked if there was any way to escalate this issue since we had tried two times before with no success. The representative mentioned that they would talk to their supervisor and told me they would call me back by the end of the day. As of the time of writing this ( XXXX ) no call has been made to me in regards to this issue. It does not appear they are interested in fixing this issue which is why I am making this report.
Product: Money transfer, virtual currency, or money service

XXXX contact multiple times on phone the customer service reps were horrible! 
Ask to speak to manager multiple times couldn't get one. 
got tired of the garbage ask for corporate office information they wouldnt get it to me My account was closed without my permission. 
they said i violated there terms of service. 
They wouldnt give me the information. 
A manager emailed me back she blew me off. 
she said she couldnt give me the information why and she wouldnt give me the corporate office email or phone number.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX {$920.00} XXXX XXXX XXXX with opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX with opened on XX/XX/XXXX and a balance of {$0.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report, there are XXXX late payments are being reported. 
XXXX XXXX XXXX XXXX with opened on XX/XX/XXXX and a balance of {$670.00}. 
This account is incorrectly reported as a charged-off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$2500.00}. 
This account is reporting the wrong balance owed. 
The collection account from XXXX XXXX XXXX has a balance of {$220.00}. The original creditor is XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof of the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Collection account from XXXX XXXX XXXX and a balance of {$1900.00}. The original creditor is XXXX XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof of the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Payday loan, title loan, or personal loan

This place is a scam. They offered me a XXXX loan and said I had to buy XXXX XXXX   because of problems with my credit. They took the logo and name, XXXX XXXX XXXX, from a machine finance company in XXXX which when confronted with they denied. He then asked me to go get a XXXX XXXX card to pay the XXXX XXXX which sent up red flags. The guy I was talking to was named XXXX XXXX and his number is XXXX. I'm sure it's not his real name as he had a thick XXXX accent. They are preying on people like me who are in financial straights.
Product: Credit reporting, credit repair services, or other personal consumer reports

By law, you can not report to a credit reporting agency if you have not reported to the consumer therefor XXXX XXXX XXXX, what ever that is for needs to come off my credit report as I have no idea and received nothing from no one.
Product: Credit reporting or other personal consumer reports

I have an installment loan from SHEFFIELD, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SHEFFIELD and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and SHEFFIELD with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2023. There was an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

We fell behind on making payments with the company since I am only paid once a month now. We have informed the company that we can only make payments once a month and will eventually get caught up. The have called my husband 's work multiple times even after he told them to stop calling because he can not take personal calls at work. The woman he spoke with today threatened him and said she would call his work everyday until we are " caught up on our bills ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from XXXX XXXX that I got a inquiry from some place I am not familiar with. I then reviewed everything on my XXXX XXXX and there are several accounts that had been open under my name. I believe someone has been trying to purchase something using my name for sometime because there is several accounts that do not belong to me. I have taken action to prevent anyone from opening anything else under my name. Please remove all these fraudulent accounts from my credit report. 

XXXX XXXX XXXX {$510.00} XXXX XXXXXXXX XXXX XXXX {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently unable to access my Equifax credit report. 

I have been using XXXX credit monitoring service for a few years and was notified that my Equifax data could no longer be accessed. I validated that my report was inaccessible by attempting to pull it using the free annual credit report, purchasing from Equifax, XXXX XXXX and other services. I am also unable to lock, freeze or dispute information on my report. 

There has been over 20 attempts since XX/XX/XXXX to rectify with Equifax who's agents either transfer me back into the que or simply hang up. I have attempted to purchase my report from Equifax to no avail 15 times now. 

My lenders are unable to access the report as well and it is preventing me from closing on my mortgage. My closing date has now been delayed from XX/XX/XXXX to XX/XX/XXXX while we await remedy from Equifax who is not actively trying to fix the issue. 

To date no agents I have spoke to have been able or willing to assist or open a trouble ticket with their IT departments.
Product: Debt collection

We disputed the charge with XXXX XXXX XXXX. We understand from the insurance carrier that XXXX XXXX denied the claim as provider responsibility back in XXXX for no prior authorization per their contract. We were not billed services in XX/XX/XXXX. In addition, XXXX XXXX somehow got someone to reprocess this claim on XX/XX/XXXX which resulted in the {$2300.00} charge to us. XXXX XXXX submitted the claim outside of the allowed 120-day period pursuant to the XXXX contract XXXX As a result, an audit was done, and XXXX reprocessed the claim on XX/XX/XXXX again denying the claim as provider responsibility. 

Because XXXX XXXX did not follow proper procedures and its actions, or lack thereof, breached claim submission requirements, we do not owe this charge. Our XXXX XXXX states that the claim is the responsibility of the provider, XXXX XXXX. Since we are a party to the contract with XXXX, their determination also applies to us. 

We requested proof that XXXX XXXX had obtained prior authorization and they XXXX had invoiced XXXX in the prescribed time period. No response. 

We communicated this situation to XXXX XXXX which has chosen to ignore the facts and wrongfully pursues this collection through Wakefield & Associates , LLC a collection agency. We perceive this action as a tactic to intimidate and harass. We consider this matter closed. 

We communicated with Wakefield & Assoc in writing with the information above via Certified Mail # XXXX. The USPS confirmed delivery on XX/XX/XXXX at XXXX. We requested that Wakefield not contact us again. They have ignore the request. We continue to incessantly receive phone calls. Such conduct is considered harassment.
Product: Money transfer, virtual currency, or money service

Initiated a request by phone on XX/XX/2020 to stop the preauthorized electronic draft to pay my XXXX mortgage payment. Was told that I needed to stop this 6 days prior to XX/XX/XXXX draft date ( XX/XX/XXXX is Sunday, draft would go out on Monday ). 

From my reading of the EFTA, I can give this revocation orally 3 days prior to the electronic draft. On follow-up with the company, I was told that oral requests are not taken and I would need to send an email which may or may not stop the funds transfer. 

In speaking with a supervisor, I was told their policy was not to accept oral requests to stop payment, which is also not compliant. 

Electronic Funds Transfer Act 1005.10 ( c ) Consumer 's right to stop payment ( 1 ) Notice. A  consumer may stop payment of a preauthorized electronic fund transfer from the consumer 's account by notifying the financial institution orally or in writing at least three business days before the scheduled date of the transfer. 

( 2 ) Written confirmation. The financial institution may require the consumer to give written confirmation of a stop-payment order within 14 days of an oral notification. An institution that requires written confirmation shall inform the consumer of the requirement and provide the address where confirmation must be sent when the consumer gives the oral notification. An oral stop-payment order ceases to be binding after 14 days if the consumer fails to provide the required written confirmation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempting to dispute inaccuracies with TransUnion, but TransUnion is not allowing me access to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion displaying innacurrate employer on credit report. I do not work for XXXX
Product: Credit card or prepaid card

I have got multiple offers from American Express but after filling up applications and applying I have got denial and they were asking additional informations in order to issue a card. Additional informations questions suppose to be included in the application 's questioner and not asking them separately after the application submission.