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

My problem is with XXXX XXXXXXXX. I do not owe them any money. But after I closed my account, they " claimed '' I still had some of their cable boxes. During the pandemic, they closed all of their offices so you can't deal with anyone in person. You have to return everything in a drop box or mail it to them. After I returned everything, I starting getting these bills saying I owed them for their returned equipment. I call numerous time and told them I had nothing that belong to them. This went back and forth for a couple of months and I assumed everything had been worked out. Then one day out of the blue I was notified by credit monitoring service that I had an account that was now in collection. I checked my credit report and discovered that some company called Eastern Account System had placed this collection on my report. I had NEVER spoken to anyone at this company. My excellent credit score dropped by XXXX points. After disputing the charge, one of the three credit bureaus ( XXXX ) removed it. The other two did not. 

Then I discovered something else last week. I discovered that one of the local Homeowner Associations has now issued a warning to its members. Everyone in theier association that had dropped XXXX was being hit with this same bogus claim of not turning in their cable boxes and being threatened with collection. This is quite an extortion scheme this company has going. Either pay up or we will turn you over to collections. I did some checking with others and discovered the same thing. This needs to stop and I want my excellent credit restored. This company should also be hit with a class action lawsuit for their business practices.
Product: Mortgage

I am currently being XXXX XXXX from the XXXX XXXX XXXX after 11 years of service. I have been paying on my mortgage with Fifth-Third Bank for over 4 years, but because they never contacted me that my payments were XXXX dollars short, they claim that I never made payments for XX/XX/XXXX or XX/XX/XXXX. The company had my phone number and my email address ; however, these modes of communication were never used. Somehow they had an incorrect address for me. The payment of XXXX was made on the XX/XX/XXXX and the XX/XX/XXXX. They took these payments and sent them to the incorrect address. They could have sent them to the property address, emailed, or called me, but they chose to report it to the credit bureaus. I am asking that this negative mark on my credit be removed because of the miscommunication, the fact that I immediately resolved the matter once I realized what had happened, the nature of my XXXX, which contributed to the situation, and my consistent record of making on-time payments in the past.
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries discovered on credit report on the morning of XX/XX/XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type XXXX  XXXX XXXX XXXX info Address XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Phone number By mail only XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type XXXX  XXXX XXXX XXXX info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, it is showing that I owe XXXX XXXX for two past due accounts in the amounts of {$360.00} and {$160.00} - see information below. I know I paid both of these off to collection agencies that would not stop calling. I am wondering why they are still showing as open on my credit report. The calls have stopped since I paid them off. They have not contacted me about this since I paid it. 

ACCOUNT NAME ACCOUNT NUMBER ACCOUNT TYPE XXXX XXXX/XXXX XXXX Revolving BUREAU BUREAU CODE DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE Equifax I XX/XX/XXXX {$0.00} {$0.00} {$360.00} XX/XX/XXXX COLLECTION ACCOUNT $ XXXX ACCOUNT NAME ACCOUNT NUMBER ACCOUNT TYPE XXXX XXXX/XXXX XXXX Revolving BUREAU BUREAU CODE DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE Equifax I XX/XX/XXXX {$0.00} {$0.00} {$160.00} XX/XX/XXXX COLLECTION ACCOUNT {$160.00}
Product: Debt collection

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX  / {$2800.00} / XX/XX/2021 XXXX XXXX XXXX/ {$280.00} / XX/XX/2021 XXXX XXXX {$0.00} / XX/XX/2021 XXXX  / {$0.00} XXXX
Product: Checking or savings account

I had a personal checking account with Chase bank since XXXX, on XXXX they closed my checking account with no reason provided. 
After that couple times I have tried open new account but they denied with no reason. 
I never recived any letter about the denied open checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of id theft so i wrote the credit bureau. Its been over two months and I have not heard from them. I addition the fradulant accounts are still reporting on my credit
Product: Payday loan, title loan, or personal loan

I have been trying to pay multiple times with the card I have ALWAYS used and now they have blocked me from making payments. The card has been on file in their system. Just says the card is invalid everytime Ive tried to pay.
Product: Debt collection

I am writing to inform you that if the situation regarding the erroneous account is not rectified within XXXX ( XXXX ) days, I will file a complaint with the Federal Trade Commission ( FTC ) against your company. You are legally obligated to respond within XXXX ( XXXX  ) days, failing which could result in fines up to {$1000.00}. Please provide the detailed procedures for the investigation results of the following account within XXXX ( XXXX ) days to avoid the filing of a complaint. 
XXXX XXXX
Product: Credit card

Self financial INC/LEA I have disputed because Ive never heard of this company etc : and XXXX says its accurate which is a lie someone must have signed up under my information now Im paying the repercussions on my credit score! Im very anyry
Product: Credit card or prepaid card

I have several accounts with Discover Card. I made an extra principal payment and the check bounced because the bank did not release the funds on time. However I still made the necessary payment to Discover Card. XXXX XXXX then decided to close all ( 5 accounts ) of my Discover Card accounts with no reason provided. All accounts were in good standing with no defaults. I then received a letter saying " WE ARE NO LONGER ABLE TO MEET YOUR SERVICING NEEDS ''.
Product: Credit reporting or other personal consumer reports

Please review letters attached below delete all inaccurate information
Product: Debt collection

ERC bought my 5 year old debt from XXXX XXXX XXXX around XX/XX/XXXX. The debt was from XXXX XXXX XXXX around XXXX. ERC started reporting the debt as it was a new debt on my credit report as if it was a new debt which dropped my score by 50 points. ERC also changed the amount owed on my credit report. This is unfair because I am trying to repair my credit at this time to buy a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tranunion is in contempt and violation of my consumer right by reporting a fraudulent inquires on my credit report. Below are the list of fraudulent inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TRANS UNION XX/XX/XXXX i need all these fraudulent inquiry removed from my report.
Product: Credit reporting or other personal consumer reports

I want to refile this please as my formal complaint to TRANSUNION for still allowing the fraudulent accounts on my credit report. I filed an identity theft with the FTC report number XXXX. As I rechecked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports but they seems to neglect the responsibilities to provide accurate information to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/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 XX/XX/XXXX I never gave permission for the companies to run my credit report please have the credit bureaus to provide me proof of the inquires
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to appear on my credit report despite several written requests, which constitutes a violation of federal law. In my previous letter to the XXXX credit bureaus, I did not receive a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated. Should you fail to authenticate these accounts, I will have no choice but to pursue legal action. I urge you to comply with the law so that this matter can be resolved promptly. 
XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/year> XXXX XXXX Balance : {$7700.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

On XXXX XXXX, 2016 I called Wells Fargo Bank to inquire about refinancing my mortgage to get a better interest rate. I initially contacted Wells Fargo because they have a special program for teachers as listed on the teachers ' union website. I wanted to get a loan estimate that I could use to compare and shop around with other refinancing offers. After talking to a Wells Fargo representative for over an hour and reviewing costs, he offered to send me a loan estimate. But in order to proceed, he said that I had to pay {$510.00} for a credit report and appraisal. I told him that I did not feel comfortable paying the money without having time to review the loan estimate first. It was early evening and he told me that the rate would not be guaranteed and that we would have to start all over if I waited until the morning to review the loan estimate. Against my better judgement, I gave him my credit card information for payment. I had more trust in the company since they were recommended by the union. In addition, my XXXX year old daughter had been crying about eating dinner and I needed to end the call, but did n't want to have to start all over again. The next day I still felt uncomfortable about the fact that they demanded so much money upfront without giving me the opportunity to review the loan estimate. I decided to call another bank just to compare numbers and they ended up giving me a loan estimate without any upfront payments and ended up being significantly cheaper. I realized at that point I had been lied to about having to pay the money upfront since the other bank made no such requirement to review the loan estimate. I went on the Consumer Finance Bureau 's website and it says, " You can be charged a credit report fee before receiving a GFE. But, you ca n't be charged any other fees until you get the GFE and indicate that you want to proceed with the mortgage loan. '' Wells Fargo did charge me additional fees -- the cost of the appraisal -- before giving me the opportunity of reviewing the loan estimate. By saying I had to give them money at that moment or else the loan estimate would be void, was deceptive and used to get me to go with them after paying such a large down payment. 

They also had the appraiser call me immediately to schedule an appraisal, which is another tactic used to prevent me from shopping around. I realize I made a mistake by not trusting my instinct, but these practices are deceptive and should be banned. 
As a result, I was charged {$510.00} even though I am not using Wells Fargo to refinance my loan.
Product: Checking or savings account

XXXX restricted my account and is trying to say there is suspicious activity on my account. I made several deposit attempts earlier today, but kept getting an error message, and now they are holding my funds hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was investigated by XXXX and determined the account was closed and to be removed from credit report. Credit Collection Services still report account on report effect XX/XX/19 as having an open account with a {$270.00} balance. I contacted Credit Collection who informed me that there was an error and account was being removed.

Account still appearing on report and should have never been report on credit report. Credit Collection and XXXX has caused a hardship on my closing for a home and decrease my credit score. Credit Collection stated it will take 30-60 to correct their mistake. I request for a letter to submit to loan office and they are unable to do so. Causing me to seek additional housing before closing
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXXhree credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts 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
Product: Credit reporting or other personal consumer reports

When I log in to my Experian account, I am immediately presented with a {$0.00} ( free ) bill in order to upgrade and continue to my account page. One could easily mistake this for a free upgrade, but paying the {$0.00} bill actually triggers the start of a 1 week trial after what they automatically charge $ XXXX. This information is buried in the fine print and can be easily missed. Over time, this interstitial has become more and more obfuscated, and I wouldn't be surprised if a lot of users accidentally sign up for membership due to this. I am also receiving multiple emails a day from Experian to which I can not unsubscribe easily ( as they claim it's not marketing material )..
Product: Credit card or prepaid card

I recently paid off an XXXX credit card. My previous balance in XXXX was XXXX which was due by XX/XX/21. 
I made two more final purchases. One for {$10.00} on XX/XX/21 and another for XXXX on XX/XX/21. 
I mailed a payment of {$1400.00} on XX/XX/21, which did not include the {$10.00} purchase. The {$1400.00} check was received on XX/XX/21. I called XXXX and asked if my payment was received. They told me yes and that my new balance was {$11.00} but I will be charged a late fee. I accepted the late fee charge of {$40.00}. I received my XXXX statement and there is a balance due of {$83.00}. This statement is showing that I made a purchase of {$62.00} AFTER the payment of {$1400.00} was made. THIS IS INCORRECT. My XXXX statement shows the {$40.00} late fee and an additional {$31.00} interest charge on a balance that was only {$11.00}. I'm being charged way too much interest on an {$11.00} dollar balance. I should have only been charged the late fee of {$40.00}. On XX/XX/21, I called XXXX and I spoke to a customer service rep AND a senior manager and nothing was resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 all certified mail. 
According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through physical verification of the original signed consumer contract - any and all accounts you post on a credit report. otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of these accounts listed below. Your fail to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Verify or remove accounts listed below. Thank You for your prompt assistance in this matter. 
XXXX XXXX XXXX ...., XXXX XXXX bank XXXX ...., XXXX bank XXXX ...., XXXX XXXX bank XXXX ... .., XXXX XXXX XXXX ....
Product: Debt collection

XXXX refuses to send me statements for what is owed, they purchased the dept from sears financial. The dept was incurred when we purchased an over priced air conditioning system for the house seven years ago. When I have called and asked for statements I am told I have to sign up for and automatic payment plan. They do not call and do not communicate by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$130000.00} XXXX XXXX XXXXXXXX Balance : {$37000.00} XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX. ( Opened XXXX. XXXX, XXXX, XXXX XXXX {$75000.00} ), XXXX  XXXX ( Opened XXXX. XXXX, XXXX, XXXX {$350.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Service is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed this debt, I immediatley called and settled the debt. I was unaware about this as I hadn't received any letters which violates my 30 day right to dispute. Either way I settled the debt and am now asking that they remove this from my credit file as it has been satisfied. If this is not removed, I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this account.
Product: Checking or savings account

I am XXXX XXXX. My card was locked or cancelled.I have no access to my money.when I called I can't access my old email.they would not speak to me.I list my ID card and only have my social security income statement and medicare card.I was always able to verify my account before without that Now I have no food or money for rent this month.my phone number on file with social security is XXXX recieved no letter in the mail, or reason.please help. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Iowa XXXX please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello navy federal credit union will not help me any way someone tried to open an account using my name and information
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted a dispute to Experian, XXXX, as well as XXXX about the child support information being incorrect. The information has not been updated in the system since 2021. It does not show payment history and now that its been paid in full, it doesn't show that information and that its been paid in full and closed.
Product: Credit reporting or other personal consumer reports

I have complained in the past. About my credit report tool to notice my accounts notice errors on how every month. I noticed there is a Glitch on the that there usein on my credit report which keeps copy records accounts paid showin my account. Credit specialist lhired notice this problem. Credit report company which also agreed ..it started XXXX. Equifax doesn't have no accounts. Shows I'm behind. my score from XXXX. Decrease XXXX. I have. Paid accounts off. EquifaxI have noticed they have. Removed. Pointtd 3x. From my credit scores with isn't fair which keeps me in the range under XXXX a month I ordered my credit report every month. Equifax account all Payments paid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/year> Attn : Trans Union On XX/XX/year>, I, XXXX XXXX, assert that I have fallen victim to identity theft, elucidated by a series of events, and do hereby state the following is true. 

I have a history of being a victim of fraud, as evidenced by my previous FTC complaint # XXXX. Currently, I am a victim of fraud again and have filed a new complaint # XXXX involving the following accounts and inquiries that were fraudulently obtained under my name. I am seeking to have this information removed from my identity. 

Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> My current address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. 

Thank you for your prompt attention to this matter. 

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

I pulled my credit to myself for the firstime in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY FILED {$0.00} CHAPTER XXXX DISMISSED {$0.00} DEPTEDXXXX XXXXXXXX {$2000.00} DEPTEDXXXX  XXXX {$620.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$19000.00} XXXX  XXXX {$790.00}