23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After co-habitant moved out I received a bill from XXXXXXXX XXXX. I called them and informed them that i had never opened an account with them. I have since received a letter where they seam to be telling me I'm going to be held responsible for charges i never made. I sent a letter asking for a copy of my signature and documents verifying that it was me opening the account when I sent back their fraud investigation forms. I have not received any confirmation back from them.
Product: Credit card or prepaid card

To Whom It May Concern : On XX/XX/XXXX I signed up for the XXXX  XXXX Mileage Card after speaking with an XXXX XXXX representative. The representative told me about the credit card and the rewards, but failed to mention there were two different versions of the credit card ( " Signature '' and " Platinum ). The rewards I was told about, and sold on, were for the " Signature '' card, where as the " Platinum '' card has only a fraction of the rewards. After she informed me only about the " Signature '' rewards, I wanted to sign up, so she walked me through the process of applying for the card. 

Upon approval, I was told I would be receiving the " Platinum '' card, at which time I was unaware of the difference, or the existence of the " Signature '' card. Today, XX/XX/XXXX I finally learned about the difference between the cards after speaking with another XXXX XXXX representative. Had I been told upfront about both cards and the process for approving each of the cards, I would have either not applied, or if I had applied and gotten the same approval for only the " Platinum '' card, I would have called the credit card reconsideration line to speak with someone about getting approved for the " Signature '' card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, and XX/XX/2021, I sent letters by USPS certified mail to Credit Bureau Systems requesting validation of 4 medical accounts from original creditor XXXX, which CBS is reporting to XXXX and XXXX. In CBS 's response to my first letter, they failed to validate this debt. However, in a bold attempt to falsely validate, they in fact did clearly violate my HIPAA rights. I have yet to receive a response from CBS to my second letter. I mailed certified letters to both XXXX  and XXXX making them aware of these HIPAA violations by CBS. In my letters, I included copies of CBS 's response letter to me in full-color copies which show clearly XXXX XXXX letterhead billing with detailed information of specific services rendered. No HIPAA release was included in any response from CBS, XXXX, or XXXX after me having requested such. These accounts are still to date being illegally reported on my credit reports causing drastic damage to my credit score, despite having requested validation, and deletion from XXXX  and XXXX  on 2 separate occasions. 
1st and 2nd letters to XXXX and XXXX were sent certified mail on XX/XX/2021 and XX/XX/2021, with the second letters addressing the HIPAA violations and requesting immediate deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mother is trying to get my Credit Reports online. She has a XXXX  computer XXXX XXXX XXXX and she used XXXX XXXX. All XXXX  credit reporting agencies stated can not get this online right now! I live a house with XXXX room mates and do not want this sent by mail for that reason. How can all XXXX agencies claim UNAVAILABLE at the exact same time, unless they do n't work with XXXX computers, which would be discriminatory.
Because of XXXX XXXX from a XXXX XXXX, off on XXXX since XXXX XXXX, 2017 ( which had stopped twice so far ) she thinks it a good idea to keep an eye on my credit reports.
HOW CAN I?
Can you PLEASE make these tax payor agencies serve EVERYONE in a manner that is best protecting THEIR identity?
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$300.00} XXXX XXXX {$270.00} XXXX XXXX   XXXX {$560.00} XXXX XXXX {$410.00} XXXX XXXX   XXXX {$3400.00} XXXX XXXX   XXXX {$2400.00} XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX {$8000.00} XXXX   XXXX {$17000.00} XXXX XXXX {$1300.00} US DEP ED XXXX {$2000.00} XXXX XXXX   XXXX {$110.00} USDOE/XXXX XXXX {$1400.00} XXXX XXXX {$93.00} XXXX XXXX   XXXX {$570.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex spouse took a lease and i had nothingTo do with and XXXX already deleted the loan from their report and my TransUnion and XXXX to follow suit.  I need this deleted rom all reports.
Product: Credit card

In beginning of XX/XX/XXXX I was served with a small claims lawsuit from Discover Bank Credit Card representing them was XXXX XXXX XXXX a debt collection firm. I was in current negotiations with Discover about optional payment resolutions, when in XX/XX/XXXX they stopped trying to help me and sued me for a non secured credit card. Discover locked me out of my account and I could not get my financial statements and disclosures. 
I asked Discover and their debt collector XXXX XXXX XXXX. to send me a copy of my financial statements and disclosures and neither of them have sent me copies of my financial statements and disclosures. I asked Discover and XXXX for a debt collection validation notice in XX/XX/XXXX and neither of them have sent me anything. 
From XX/XX/XXXX to XX/XX/XXXX I received 3 to 4 phone calls per day, sometimes from a person, most of the time from a robot from Discover calling himself XXXX. I asked Discover to stop the repetitive phone calls and they did not. Discover annoyed and harassed me from XX/XX/XXXX to XX/XX/XXXX, the calls did not stop till they filed a law suit against me on XX/XX/XXXX. 
The credit card disclosures require to go through arbitration, mediation, or other alternative disputes before going to court and, this process was skipped and Discover filed a lawsuit against me without even providing a debt validation notice.
Product: Credit reporting or other personal consumer reports

The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my wtten instructons. 
I haven't given these accounts written permission to furnish these accounts on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the fraud department of experian on XX/XX/2020 to have Fraudulent addresses removed from my Credit report I told them that I noticed fraudulent addresses on my credit report and According to the FCRA this or these unauthorized and unverified account must be removed immediately. Experian did not comply and sent me an email wanting more information instead of complying with my request
Product: Credit card or prepaid card

My problem is multi-faceted. I have two existing credit cards. HSBC and XXXX XXXX XXXX. On XX/XX/XXXX or XX/XX/XXXX I initiated a balance transfer with HSBC to pay off {$5100.00} on my XXXX card. I initiated this on-line. I thought I had a valid 0 % interest offer. I called after I did this to inquire how long it would take and at that point I found out the offer had expired. I asked to cancel and was told I had called/requested to cancel within the cancellation window and it would not go through. It went through. HSBC told me I was responsible for working with XXXX  to have the money returned. I feel that is really was not my responsibility, but I tried. I am now at the point where XXXX returned {$5000.00}, NOT the full {$5100.00}. I was told this is because I had a payment due and I would have been late on the payment. At no point was I talked with about this, if I had been I would have made the payment ( the difference between the two amounts. ) At this point, the check is in the mail to HSBC for {$5000.00}. My stance is this ... XXXX should have returned the full amount to HSBC because the money is not mine and it is not XXXX 's, it is HSBC 's. I look at it as XXXX making an unauthorized charge to my HSBC account ... illegal, in my mind. I have been told contradictory things from XXXX throughout this process and at this point, depending on who I spoke with, they have issued up to 3 checks at this point ... one to HSBC which they say I asked to have cancelled. One that I was told was being sent to me ( it was already in the mail ) which I DID request to be cancelled ( after two weeks, I still have not received that check ). And now this latest. At one point XXXX   told me NOT to make payments until this was resolved. More recently I was told by XXXX to make payments to BOTH until things got settled. I have more examples. The resolution : XXXX returns ALL {$5100.00} to HSBC and HSBC removes all finance and transfer fees as I otherwise have a {$0.00} balance on the HSBC card. As of yesterday, I made a {$2000.00} payment to XXXX on the balance with them, which should be {$5100.00}. I also feel this should be referred to regulatory agencies, especially because of the XXXX actions.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address 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 reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a natural man submitting this complaint on my behalf and without any third-party involvement. This is a request for a correction of the inaccurate, erroneous, and unverified information on my consumer report. Please conduct a reasonable investigation and take appropriate action and promptly correct the information in accordance with FCRA section 611-15 USC 1681i ( a ) ( 1 ) ( A ) ) upon receipt of the attached dispute to prevent further invasion of my privacy and damage to my consumer credit reputation. Attached is a copy of the dispute submitted to Experian, 2 forms of identification ( Driver 's License, Electric bill for proof of address ).
Product: Mortgage

Wells Fargo has delayed the review of our re-finance of house. Application was submitted in XXXX and we just found out they denied. They constantly asked for the same info over and over again. 
I was constantly calling them with no response. The manager said she was sitting at different desk that 's why she never replied!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off on my credit report. These are disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off accounts, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Debt collection

I got two credit cards through XXXX XXXX {$500.00} limit on each one I use them both for some time and then decided to close my accounts I paid off One credit card close to that account I pay off the other credit card down to a final payment and I was told inside of the bank they would not accept my payment that my account was frozen and that there was nothing I can do about it they sold my debt and since then the collection agency has harassed me this collection agency has changed their name because of their harassment of me and it still continues I have a letter here which just arrived this debt is over 15 years old and I have not made contact with this company and at least 10 years probably longer this debt still shows up on my credit report because this collection agency is breaking the law and the information I collected personally from XXXX XXXX which I still have my complete Financial record with them I made them print it out and send it to me so that I can prove this happened
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We refinacned on XXXX XXXX, XXXX and paid off our mortgage with Seterus, Inc. We received an escrow statement dated XX/XX/XXXX stating that they owe us {$2000.00} for an escrow overage. As of today ( XXXX/XXXX/XXXX ) we have not received it. I have called numerous times ( XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ). Everytime I call I get some one else and they state to wait anouth 7 to 10 business days. Seterus has obviously held entirely too much escrow and now will not return it. By law they should have returned it by XXXX/XXXX/XXXX. It is now XXXX/XXXX/XXXX! Seterus, Inc. is a shady company. They are not honest. I beleive they lie to the consumer about returning funds. And they are obviously holding too much escrow for the motgages they hold. I have attached the final escrow account statement dated XXXX/XXXX/XXXX with my notes.
Product: Credit reporting or other personal consumer reports

Under section 15 USC Section 1681 my information was compromised from multiple data breaches causing false and inaccurate reports on my credit. I would like this information removed immediately. After items were removed they were also reentered. Thanks. Have a blessed evening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw on my XXXX  Credit Report back in early XX/XX/2021 that my mortgage company, XXXX XXXX, said that my mortgage was 30 days past due for the month of XX/XX/2021. I submitted a dispute to XXXX using their website complaint process on XX/XX/2021. I got an email response saying they need to further investigate the issue on XX/XX/2021. They have incorrectly reported to XXXX  that I was late 30 days on my mortgage payments for both the months of XXXX and XX/XX/2021. I had autopay turned on with their company on XX/XX/2021 after they became my new mortgage company so that this would not happen. When I called XXXX customer service they said they had no record of me being late and I was never charged a late fee, so I don't know why this information was relayed to XXXX. My credit score has taken a drastic drop since these two errors occurred. I used to have a 780+ score and now it shows XXXX, which is very depressing to me as I have always been very careful with paying my bills and using credit responsibly. 

I have also disputed the error with XXXX, who didn't change anything on my credit report to correct the errors. Worse yet, they say they are not required to look at the issue again unless I have new information because that is all the Fair Credit Reporting Act requires.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

By accordance with the fair credit reporting XXXX  accounts XXXX, & XXXX has violated my rights 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 section 604 A it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies American Express did not provide a detailed report of investigation practices and failed to include the attachment with explanation of results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASKED XXXX TO SHOW ME PROOF THAT I HAVE A BANKRUPTCY OR REMOVE IT FROM MY REPORT. THEY ALSO HAVE INCORRECT AND INACCURATE INFORMATION. FURTHERMORE I DEMAND THEY REMOVE ALL THE INFORMATION IMMEDIATELY OR I WILLL FILE A GRIVANCE WITH THE COURT, INCLUDING DEFAMATION DAMAGES.
Product: Credit reporting or other personal consumer reports

I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.
Product: Consumer Loan

i received a reply from HSBC on case # XXXX, here is my loan # i had with them XXXX, they didnt have enough information to process my loan, yet i called and was given my own account # hmmmmm. I PAID this loan off, it was NOT transferred. Also they show my last payment late XX/XX/XXXX when loan was paid, my last late payment XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX AT XXXX XXXX XXXX XXXX XXXX at XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish and account without my written instructions.
Product: Checking or savings account

unauthorized transaction.PNC claims that if I have used the card at merchant in the past, then the transaction is a historical pattern of use this is ridiculous. the transaction is UN authorized, irregardless if I have used my card before or after at the major retailer.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX credit report it is saying that the balance on my Marcus by Goldman Sachs credit card is XXXX $ and this is false. The balance is XXXX  dollars. When the account closed on XX/XX/2022 the balance was XXXX  dollars and the balance is still XXXX  dollars. 
Kindly update account balance on my Marcus by Goldman Sachs credit card to XXXX  dollars owed
Product: Debt collection

This is a XXXX debt that has circulated among collection agencies. I have sent dispute letters each time that I do not owe this debt. I have never subscribed to have XXXX service nor have I ever authorized anyone to open an account in my name. I have requested proof that I opened the account and that I have ever made payments on the account but all they do is switch to another collections agency. Then the new agency puts it on my credit report. This is really annoying. I should not have to keep disputing a debt I do not owe. If there was an account started in my name, they should figure out who was paying it and go after them. I DO NOT OWE THIS DEBT. I will greatly appreciate any assistance you can give me to stop this madness. The current collections company is ERC ( Enhanced Recovery Corp ). I have disputed this with XXXX because it is showing on my credit report.
Product: Credit reporting or other personal consumer reports

I am not associated with the creditors mentioned, and I did not authorize these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with Experian, XXXX and XXXX. I am unable to review my transunion report on XXXX XXXX XXXX I will be attaching copies of disputes submitted through certified mail and my attached FTC affidavit to dispute fraudulent or inaccurate reporting to my credit report. Thank you
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 XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$720.00} XXXX XXXX Balance : {$200.00}