23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have an outstanding debt with XXXX XXXX and I am working to resolve the debt and have explained this to Mr XXXX. 

I have received multiple calls at my place of business from XXXX XXXX XXXX, XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX, XXXX TX XXXX, Phone XXXX, Ext XXXX. I have explained to Mr. XXXX that he is calling me at my work and we are not allowed personal phone calls. Yesterday XX/XX/19 Mr. XXXX called and yelled at me. He keeps tell me he will come to my place of business and have me served with lawsuit papers. 

Mr. XXXX has called me 5 times and every time I have told him this is my work number and have asked him not to call me at this number. Mr XXXX has my email, cell number and my home number but continues to call my work number He called me on the following dates and times XX/XX/19 @ XXXX XX/XX/19 @ XXXX XXXX XX/XX/19 @ XXXX
Product: Credit card or prepaid card

HSA Bank provided me with a credit card with which to pay for medical expenses. I used the card to pay for medical expenses that were allowed according to my insurance plan and HSA rules, but HSA Bank reported the payments as an unqualified distribution to the IRS, so the IRS says I have underreported income. The thing is, I used my card at a doctor 's OFFICE, not at a store or an ATM machine. HSA Bank knows where the cards are used and they choose how the distribution is reported electronically to the IRS. Even though I submitted the correct paperwork to prove my distribution was qualified according to XXXX XXXX XXXX XXXX, the IRS doesn't believe it because their computers have the information from HSA Bank that contradicts the paperwork. It's up to HSA Bank to report these things correctly because I as the consumer have no choice in how it is reported. If a person uses the card at a doctor 's office, HSA Bank should be required to report it as such. HSA Bank should be audited to make sure they are reporting expenses correctly so that people are not accused of underreporting income to the IRS, which is a serious offense.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX has failed to provide me with the original contracts from the following companies listed on this report below. They have failed to remove inaccurate information on my report such as address and phone numbers that I am not associated with. They tell me my accounts were verified however they never even sent me confirmation of the verification. These XXXX accounts is listed on XXXX XXXXXXXX XXXX Account # XXXX This account is reporting closed but status is stating 120 days late XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  XXXX account # XXXX XXXX is reporting an address of XXXX XXXX XXXX XXXX that is not my address My updated address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Reporting wrong balance and late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

tower loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are the unauthorized and unverified inquiries made on my credit profile under experian these are a defamation to my character i am trying to buy a house. Accrording to the fcra these unverified and unauthorized items must be removed as soon as possible. XXXX unauthorized and unverified inquiries are XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, these are a defamation to my character as well and must be removed as they are unauthorized and unverified per the ncra. Law 15 usc 1681 ; The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

LVNV Funding, LLC has not provided me with any information, the original creditor XXXXXXXX XXXX XXXX sent me 2 written letters stating they have written off both of the accounts in question XXXX and XXXX. I never signed any agreement with LVNV Funding, LLC c/o Resurgent Capital Services and they are not able to show me a signed copy of the agreement with them. The company keeps pulling my credit report instead of doing the investigation to see that LVNV Funding, LLC c/o Resurgent Capital Services and XXXX have no signed agreement. XXXX XXXX XXXX sent me 2 letters confirming both account were written off XX/XX/2024. I need this inaccurate/ incorrect reporting removed from my credit report effect immediately whichin 10 calendar days, due to this erroneous inaccurate reporting that is damaging my character, and my family and I livelihood.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX : {$290.00} XXXX XXXXXXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$120.00} XXXX  XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which I remember I paid in time. I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I found that under section 605b of the FCRA you are required by law to correct & update any accounts or information which is found to be late due to negligence. The dispute items were paid in time. Please correct/update these files. XXXX XXXX Date opened : XX/XX/XXXX Balance : {$850000.00} and XXXX BANK XXXX MORTGAGE XXXX Date opened : XX/XX/XXXX Balance : {$560000.00}. According to FCRA, the 3 CREDIT REPORTING AGENCIES shall update any information in the file of a consumer that the consumer identifies as information that resulted from blunder of the creditor, not later than 4 business days after the date of receipt. If you feel there is a possibility these accounts were paid in late I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a Citibank web transfer of {$70000.00} from XXXX checking account XXXX to a Citibank savings account XXXX was initiated. On the same day, I received a Citibank email indicating that Citibank received the transfer request and I should expect to see funds in destination account within 3 business days. On XX/XX/XXXX I received a Citibank email indicating that the funds could not be deposited into XXXX XXXX account XXXX. Between XX/XX/XXXX and XX/XX/XXXX I contacted XXXX 5 times and Citibank 6 times trying to get the funds either deposited into my Citibank savings account or returned to my XXXX checking account. With Citibank unwilling to resolve the issue and blaming XXXX and XXXX, I contacted CFPB who recommended opening a complaint. On XX/XX/XXXX I opened a CFPB complaint ( XXXX ref. for further details ). Then a miracle!! The very next day I received a Citibank Email ( see attachment ) indicating the funds will be deposited back into my XXXX  checking account. On XX/XX/XXXX {$70000.00} was deposited into by checking account. 
Thanks CFPB!!
Product: Debt collection

Collections account are still being reported on my credit report that havent been properly reviewed and verified
Product: Credit reporting or other personal consumer reports

I am writing to report unauthorized credit inquiries on my credit report that I do not recognize. I have previously requested the credit bureaus to remove these inquiries, but they fail to do so.I am now providing an XXXX XXXX report ( will be attached to this compliant ). I kindly request that these inquiries be removed from my credit report as soon as possible for these inquiries are not mine and are inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CPFA ). Specifically, Cash App failed to take timely and effective measures to prevent andaddress fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

Have not received the XXXX pay, Reliacard
Product: Credit reporting or other personal consumer reports

I am writing to express my sincere appreciation for TransUnion 's prompt action in addressing the fraudulent accounts on my credit report. While several accounts have been successfully removed, XXXX remains : an XXXX XXXX XXXX account that was subsequently sold to XXXX XXXX XXXX. 

Both XXXX and XXXX XXXX are aware of the fraudulent nature of this account. I have filed a report with the Federal Trade Commission ( FTC ) regarding this instance of identity theft and am requesting TransUnion 's assistance in resolving this issue. 

I have provided substantial evidence to TransUnion supporting my claim of identity theft. To ensure the accuracy of my credit report, I request the immediate removal of the fraudulent account. 

Thank you for your time and attention to this urgent matter. I trust you will prioritize its resolution.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened At : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello this is a formal complaint to request all credit reporting agencies including XXXX, XXXX, and Equifax to stop reporting invalid information in my name. Listed account information XXXX XXXX XXXXI # XXXX, XXXX  # XXXX, XXXX  XXXX BANKRUPTCY # XXXX, that are in no way mine. There is a public record for XXXX  XXXX Bankruptcy on my report and I DO NOT file for bankruptcy. That is false and misleading and has stopped me from getting a approved for a home and much more. The credit reporting agencies have taken fraud to a whole new level all while violated the federal law.
Product: Debt collection

Debt collection agency 'Dyke O Neal ' has pulled my credit file without my permission. The debt was supposed to be paid by XXXX XXXX XXXX when home was foreclosed/short sale in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

many inaccurate accounts such as ( XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) are reporting under my equifax credit reports, i have been disputing these many fraud and inaccurate accounts for the longest times, but equifax has not been helpful at all, they either do not dispute it or they provide a false confirmation numbers, please as consumer i need your help in order to have these accounts removed from my equifax credit reports thank you
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Account name XXXX XXXX Account number XXXX .... 
Recent balance {$2800.00} Date opened XX/XX/XXXX Account name XXXX XXXX Account number XXXX .... 
Date opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm contacting CFPB to get assistance with several hard checks by the same company over a few months and also an unrecognized hard check. These hard checks occurred last year, however, they have tremendously effected my credit rating/score and needs to be addressed because of the multiple hard checks done. Please assist and advise. 
Thank you for your time. Following is a copyt and paste of the companies involved. 
Alaska XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX + Finance XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX Inquiry from XXXX XXXX, XXXX + XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found an erroneous information reporting on my XXXX Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to XXXX to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXX XXXXXXXX Balance : {$200000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to apply with a bank and was denied because of chex systems reporting. I've tried submitting a request disputing the negative items be it still remains on my report.
Product: Debt collection

I have sent do not contact me letters. 
I refused mail. 
This also looks to be old. 
I do not know Radius Global Solutions LLC. 
I also DO NOT OWE THEM ANYTHING. 
They also DO NOT EVEN HAVE THE CORRECT NAME.
Product: Checking or savings account

On XX/XX/year> a teller at PNC deposited XXXX into my account in error. This deposit consisted of several checks that where incorrectly placed in my account. One of these checks was returned in the amount of XXXX. PNC charged the return check to my account. I called and disputed these transactions, both the deposit of XXXX and the returned check of XXXX. PNC adjusted the deposit of XXXX out of my account. PNC has failed to return the XXXX to my account. 

I have spoken with several representatives. I have been lied to with false promises of having my account credited. I have also been subjected to very rude behavior from the employee that greets you as you walk in.

I have had my account with PNC for 15 years. This error needs to be resolved immediately. I also deserve compensation for the pain and suffering this has caused. Not to mention the hit this has caused to be budget.
Product: Debt collection

Every time they call, I explain I can not afford it at the moment and I will call when I can. I told them 3 times to not contact me and they said they would not. Yet they keep calling me.
Product: Checking or savings account

Good evening, My name is XXXX XXXX. In XXXX of XXXX, I had my bag stolen with my wallet and phone. It seems the person was following me all night and saw when I inputted my pin code because the person did numerous fraudulent activities to my Bank of America account. The person stole XXXX from me and I have been trying to get help from Bank of America and they just refuse to help me. In fact, they barely even believe me. Every time I call, the agent makes me go through so many obstacles just to get the status of the claims. They're rude, they mock me, they even call me a woman and when I correct them, they giggle. It's extremely disrespectful. Bank of America wants me to go into a branch every single time I speak to them over the phone. I have verified my identity numerous times and have given mountains of evidence. It isn't fair that I am not being heard or respected.
Product: Consumer Loan

My husband and I took out a 4 year loan back in XXXX with Benefical. We fell behind early on in our payments. In XXXX roughly we settled the loan. This is still reporting on our credit reports as a negative account. I contacted XXXX today because I disputed it and it came back verified. They told me that Beneficial reported our first late payment in XXXX XXXX so it would come off of the credit report until XXXX. Ive tried contacting the company with no response. This is absolutely obsurd! How could I make my first late payment in XXXX when it was a 4 year loan taken out in XXXX, According to XXXX they re-aged our account in XXXX so it would keep reporting.