23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/2020 I was sent a letter from Capital Accounts that indicating that I owed XX/XX/XXXX for unpaid dental bills that totaled about {$1000.00}. I asked for a detail of the bills that were not paid. What I received back from Capital Accounts was a statement with approximately 20 pages of 5 years of billing. The statement did not match payments to bills and did not indicate which bill ( s ) was/were unpaid. By reading the statement, I have no idea which bill ( s ) are unpaid, if any. I can not research any unpaid bills, if any, for the signed authorization for the service, the EOB and the amount paid. To this date, I do not have copies of any unpaid bills. I sent a letter to Capital Accounts which I have attached letting them know all of the issues I have mentioned. I also directed them to FCRA section 623 which states the following : 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

And also states : ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.

And finally : ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

Since the statement does not match payments to the bills, there is substantial doubt about the accuracy of the information because good bookkeeping policies were not in place.

Capital Accounts reported the amount presumed owed to credit agencies which decreased my credit score by about 100 points. Not only did Capital Accounts report the amount as unpaid the the collection agency, but I have to assume they did not indicate that it was disputed because my credit score dropped by 100 points. 

I am asking that Capital Accounts withdraw the reporting to the credit agencies. 

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

I noticed an account on my credit report reported by Jefferson Capital system. I did not authorize this entity to report any account under my name, nor do I have a contract with them that would provide them with a permissible purpose under the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681b ).
Product: Checking or savings account

Hello, I had one checking account with Citibank and I opened another checking account last XXXX. The account started charging {$25.00} service fees starting in XXXX, but I didn't notice that till today. Total a {$100.00} service fees were charged. I called the citibank, and they found a mistake on their end that they did not link the two citibank accounts. The service fee would not be charged if the two accounts were linked. However, the rep could only refund one service fee of {$25.00}. The rep said it was the policy and could only suggest the management changing the policy in the future. 

I consider that unacceptable as it is clearly a mistake on their side, but refuse to correct their mistake. I would like you to help me get the rest of the charged fees. Also, I'd like citi to change the policy so that the mistakes on the citibank side could be corrected. 

Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy is dismissed and no longer active. Report is reporting incorrectly that case is still active. Needs to be immediately updated.
Product: Debt collection

On XX/XX/2020 a collection account appeared on my credit reports from PHOENIX FINANCIAL SERVICES for a supposed debt of {$1900.00} to XXXX  XXXX XXXX. This account states it was placed for collection on XX/XX/2020. I have no recollection of this account. I have not been to that particular hospital in over 4 years. At that visit my services were covered by my health insurance.
Product: Mortgage

A disbursement was made from my escrow account for homeowners insurance when it was not due. Then another disbursement was made when the premium was due 4 months later. When mortgage company was contacted about duplicate payments with in the time period, they sent work order for research and investigation. When I called back about findings on this work order-there are no answers on where the 1st disbursement went, check number or reference number. Numerous phone calls have been made to mortgage company as to where the monies are. Insurance company did not receive the payment that the mortgage company said they sent on the first disbursement. The mortgage company clearly did not send the monies for insurance or even taxes, but did withdraw it from my escrow. This has caused my escrow to be behind for three years now. Each year my payments go up due to the missing amount of escrow.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I asked you to investigate and remove inaccurate accounts on my credit report. You have violated laws and my rights by failing to provide the necessary documentation within the 30-day period and because of this, a fraudulent claim sits on my credit report amongst others. 

This one in particular : XX/XX/XXXX XXXX XXXX XXXX XXXX received a complaint about a fraudulent claim to my name for {$1900.00}. 
XX/XX/XXXX XXXX XXXX XXXX responded that their claim was canceled and removed from their office and a notice has been sent to all three Credit Bureaus to remove it from my credit report. 

XXXX : XXXX XXXX XXXX XXXX reports {$2600.00} and was asked on XX/XX/XXXX to Validate or delete its reporting to all three Credit Bureaus XXXX 
I have not received any response as of XX/XX/XXXX. You have not responded since XX/XX/XXXX. 

XXXX : XXXX XXXX XXXX XXXX reports a charge-off {$0.00} balance as paid off in full, I am not liable to XXXX XXXX XXXX in any way. Especially based on the case The State of Connecticut vs. Santander Consumer USA INC. 

XXXX XXXX XXXX claims that I owe XXXX XXXX XXXX and attempts to collect for XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX in an agreement of a debt and appears to me to be double jeopardy. 

I believe if you would have investigated within the 30-day time frame. I would not have to continue to suffer.
Product: Credit reporting or other personal consumer reports

They Have things on there that i have never own, bought or have i asked them to removed it i showed all proof and still nothing.
Product: Debt or credit management

Cash app allowed unauthorized charges and would not refund the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted documentation to all 3 credit bureaus on XXXX XXXX XXXX, bureaus did not respond within the 30 days granted by law and all listed accounts are in direct violation of the law. 15 U.S.C. 1681 section 604 STATES THAT Consumer Reporting Agencies such as XXXX, XXXX and Transunion can not furnish and account without my written permission. 15 U.S.C. 1681 section 602 States that I have the RIGHT TO PRIVACY. A consumer report means any written or oral communication bearing a consumers credit worthiness. A consumer report excludes or does not include transactions or experiences soley based on information between the consumer and the person making the report. The accounts listed below are fraudulent and should be removed immediately. The bureaus have not responded in the time allowed by law and they are blatantly breaking the laws set forth. 

XXXX XXXX Account # XXXX Bankruptcy XXXX  XXXX Ref # XXXX all credit inquiries should be removed because I haven't applied for any new credit.
Product: Debt collection

RESURGENT Capital Services sent me a letter Dated XX/XX/2019, attempting to collect a debt that, I do not owe in the amount of {$1000.00}, which is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX 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 deletion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

FCRA Violation : address not mine XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : credit card not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : collections not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The following are copies of messages so sdnt to Best Buys Citi Credit Card company after they, without warning, lower my credit limit thus maxing my utilization percentage, damaging by credit rating in reports to the credit bureaus. 


https : //citiretailservices.citibankonline.com/ - 1. My payment record is perfect, never late. However, XXXX has notified me you have chosen to lower my credit limit from {$2000.00} where it has always been, to {$1600.00}, thereby damaging my credit by increasing the usage rate. Thanks for rewarding my perfect payment record in this way. 

In light of such capricious and unwarranted action, my goal is now to quickly pay off my balance snd not use this card again. Thanks. 

Citis Response was essentially a non-response. 

2. 
Please know that I have used this card for the last time, and will be forever telling my friends and why. Damaging my credit by arbitrarily maxing my utilization percentage without cause is a slap in a loyal customers face. No company who does this can be trusted. 

Additionally, your customer feedback email yields content in French, not English. XXXX
Product: Credit reporting or other personal consumer reports

Now and then, I go to XXXX XXXX XXXX to obtain my credit report from all three credit bureaus : Equifax, XXXX, and XXXX. In the past, I never had an issue getting my credit report from all three, and the last time I was successful at getting all three was on XX/XX/year>. 

On XX/XX/year>, I attempted to get these three credit reports again. I successfully received my credit report from XXXX and XXXX, but when trying to get my Equifax credit report I received the following message, We've experienced an issue processing your request. We're sorry, we are unable to process your request at this time. You can try again later or call XXXX for automated assistance. You can also write to us at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I tried numerous times, including today, XX/XX/year>, but I always get the same message. 

I then went to my portal directly at Equifax, XXXX XXXX XXXX XXXX XXXX While I can see my credit score, if I try to see anything about my credit report, I always receive a message that says, We are temporarily unable to complete this request. Please try again later. 

I have contacted Equifax about this at XXXX numerous times starting on XX/XX/year>. I called them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am told each time that nothing on my credit report had changed so they will escalate my issue to the technical support team. 

It is important to note that on XX/XX/XXXX, I spoke with a gentleman who said he saw a pending item on my file that should not be there. He said it was a phone number that was in the wrong field. He did not say if it was my phone number or not. After speaking with his manager, the phone number was removed and there were no more pending items. I was told that would fix the issue, but it did not. 

While Equifax has offered to mail me my credit report, I should be able to access it online immediately like everyone else. I should not have to wait for snail mail every time I want to make sure the information Equifax has on my credit report is accurate. 

When I researched this issue online, many others had and continue to have this same issue. Some claim it is a split file issue, others say if they remove and put the credit freeze back on it corrects itself, and others give different suggestions. Overall, many have complained they brought this issue up to Equifax, but it has been 3 months, 6 months, 8 months, etc. with no resolution. Nobody knows the true way to fix this issue. 

A bigger problem is, which many have claimed, that lenders will now have trouble accessing ones Equifax credit file because of this issue and that will make it so one can not get additional credit, refinance their mortgage, etc. because of the lack of access to their Equifax credit file. 

I consider this to be a high priority, so if this may please be addressed and fixed ASAP, that would be appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XXXX / XXXX / 2017  Date sent to company :  XXXX / XXXX / 2017  Product : Credit reporting, credit repair services, or other personal consumer reports Issue : Problem with a company 's investigation into an existing issue They have not fixed or rectified this and it has been o ver 3 weks since they said tehy ha ve
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested a copy of my credit report online and discovered that a Collection agency is reporting to my credit file by the name of AmeriCollect in the amount of {$72.00} I do not recall this account nor the origin of the alleged debt. Simply sending me a Statement claiming I owe this alleged debt is not proof of a valid claim. I would need to receive a true bill in order to respond in kind to this alleged claim. 

Meanwhile, this account created in my name and reported to my credit by AmeriCollect is causing me financial distress and undue XXXX
Product: Credit card or prepaid card

On XXXX XXXX I applied for a capital one secured XXXX with a credit limit of 200.00 when i make my security deposit of 99.00 before XX/XX/2022 in which I made that one payment came out on the XXXX of XX/XX/2022 the other one came out XX/XX/2022 one was for 50.00 the other one for 49.00. today XX/XX/2022 I get an email saying that I have been denied so I call them up to ask why and they told me I would have to wait to get my answers in the mail. I asked them for my money back and for them to fix my credit score they told me they would not fix my credit score and they did not say anything about my money. 

PS I JUST WANT MY MONEY BACK AND MY CREDIT SCORE FIXED PLEASE
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 



XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Florida, XXXX. 


XXXX. Wrong Date of Birth : XXXX  My Date of Birth is : XX/XX/year> Wrong Employers : - Wrong Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I used a nail salon with a Cash App account XXXX. I mistakenly sent cash to XXXX. The owner immediately let me know it was the wrong account and I cancelled the payment and received a confirmation from Cash App that the transaction was cancelled ( see attached ). I then sent the cash to the correct account XXXX which Cash App also confirmed. When i looked at my bank account Cash App paid the correct person twice which is not what i did. I have emailed Cash App back and forth for a week. They kept trying to tell me that I made the second transaction which I didn't and have documents to prove it. When I ask them to show me any documentation that proves I made the second transaction, I haven't heard from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/17, my personal information and credit information is listed as potentially impacted by the EquiFax security breach on : https XXXX XXXX. I am currently in the process of reviewing my banking and credit information and placing fraud alerts with all 3 credit bureaus to be proactive regarding the protection of my personal information. 

My complaint is that the effort I normally take to protect my finances and ensure accurate information was not matched by EquiFax, a company trusted to securely and truthfully report my credit information. It is unacceptable that this breach took weeks to announce without any attempt to first contact the affected consumers and announce what resolution they were seeking to rectify the situation. It is equally unacceptable that at this point, because the data announced as stolen is so vague and widespread, I am forced to assume that my entire credit history and personal identity is at risk. 

As of the time of this complaint, I have not encountered any fraudulent activity, but this situation is one that will require close monitoring for years to come. If even one piece of my PII is used to engage in fraudulent activity, it will be directly due to EquiFax 's actions and inactions regarding this breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2023, to remove these items : XXXX XXXX XXXX XXXXXXXX XXXX : {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$19.00} XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1700.00} XXXXXXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$9200.00} Which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/2023. Ive already included this in my previous Complaint & I am including it again.,
Product: Bank account or service

I opened a checking account with Citibank under the impression that I would earn frequent flyer miles as part of a marketing campaign. After completing all the written requirements as explicitly written in Citbank 's terms and receiving further written confirmation that these requirements were complete, Citibank 's representatives are now contending that I am ineligible after all and refuse to award the promised promotional bonus as originally advertised. I fear I have fallen victim to an egregious bait-and-switch marketing trap.
Product: Credit reporting or other personal consumer reports

I am REWRITING to complaint OPPITY FIN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Federal Service Desk Request and as it pertains to inaccurate public record information surrounding the address of XXXX XXXX XXXX XXXX, VA XXXX. This address is registered to XXXX XXXX XXXX and the only business that should be identified with this address is " XXXX XXXX by XXXX '' from XX/XX/XXXX-XX/XX/XXXX.