23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have XXXX credit cars with XXXX, XXXX is a XXXX, the other a XXXX. Both are current. Equifax is now showing that I have a card with XXXX numbered XXXX ( it does not list the last XXXX digits ) with a balance of {$720.00} that is over 120 days past due. This is not my card. I have notified Equifax. I called XXXX XXXX to notify them, as well. XXXX XXXX says they will need 90 days to investigate, and that I need to deal with it through Equifax , as it is their error, not XXXX. The XXXX employees speak XXXX very poorly, and communicating verbally with them is difficult. They provide no email address to which one may send electronic correspondence. The entire thing reeks of a scam. I had this same problem with XXXX and this same card. These people are ruining my credit in an attempt to extort payment from me for a debt which is not mine. They actually suggested that I just pay it, even though it is n't my debt, in order to have it removed quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reason to believe your company is violating federal law by knowingly furnishing false credit information on my consumer report. These accounts are in direct result of identity theft. I have on several attempts requested that the consumer reporting agencies provide verifiable proof to why these accounts have not been deleted. I am also a part of the Equifax Breach which has caused a significant amount of damages to my consumer report. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

These accounts are now in process of litigation and are to be immediately removed from my reports, I have not been supplied any proof under the doctrine of estoppel by silence, Engelhardt v graves ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have also attached a letter Please consider this your final opportunity to cure before this becomes a litigation matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account XXXX XXXX XXXX XXXX XXXX in inaccurate. The status should be paid as agreed for XX/XX/2020.
Product: Credit card

I was notified in XX/XX/XXXX of a new credit card opened in my name which I immediately reported as fraud and the account was close. XXXX months later I received a bill from the bank for {$490.00} on the closed account. This account was opened fraudulently under my maiden name which has not been my legal name for XXXX years. I have not been able to speak with the bank directly as I have no account information because I did not open the account. I have disputed the account with all credit agencies and reported the identity theft to the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts listed here were reported on my credit report without any authorization, review dentity Theft AMER HONDA Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine.
Product: Bank account or service

I had a money market account with HSBC.. I closed it on XXXX/XXXX/2016. I only received interest through XXXX. I was owed 9 days interest totalling about {$11.00}, which I know is a very small amount. I still have a checking account & credit card ( both mostly inactive ) at that bank. They could easily credit the interest to those accounts but wo n't. Their customer service department is a nightmare. After marathon waits on hold enduring music which seems designed to be annoying, you speak to a series of exquisitely polite human automatons who keep connecting you to someone else until eventually you either get disconnected or speak to a supervisor who tells you to call back later or says someone will call you back ( they never do ). I 'm tempted to just let them keep the {$11.00} but I do n't want to let them get away with it & I can not handle another session w/the customer service dept. Please make them pay me the interest which they do n't even dispute they owe me.
Product: Debt collection

I.C. Systems, Inc. sent a letter indicating a debt for {$560.00} for " XXXX XXXX '' as of XX/XX/2023. 
This is not my debt, I have never ordered from or used the service of XXXX XXXX. 
XXXX months ago I found out my " social security number was discovered on the dark web. '' In XX/XX/2023 I locked my credit ratings info with XXXX, XXXX, and XXXX. I believe someone used my info to incur this debt.
Product: Mortgage

Hello, The past four ( 4 ) years I have been making pre-payments on property taxes so that my mortgage payment won't increase. 

Please see attached pdf files where I have been communicating with M & T Bank this year that I made a pre-payment of {$1300.00} and to only pay {$1400.00} from Escrow. 

My mortgage payment should not be increasing. 

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

XXXX XXXX XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiry XXXX XXXXInquiry XXXX XXXXInquiry XXXX XXXXInquiry XXXX XXXXInquiry XXXX  XXXX Inquiry XXXX  XXXX Inquiry XXXX  XXXX Inquiry XXXX Inquiry XXXX  Inquiry XXXX  Inquiry XXXX  Inquiry XXXX  Inquiry XXXX  Inquiry XXXX  Inquiry XXXX XXXX Inquiry XXXX XXXX XXXXXXXXInquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Incorrect Personal XXXX XXXX Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed they were some things that was not correct. I sent two letters to Experian on XX/XX/2023 and XX/XX/XXXX XXXX Mail here is my tacking numbers XXXX. ) XXXX XXXX. ) XXXX But it has been more than 35 days since the credit bureaus haven't responded. That's a violation of 15USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and accept as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer smile at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is incorrect and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter. )
Product: Credit card or prepaid card

Hired merchant for house work XX/XX/XXXX. Paid 50 % ( {$1500.00} ) deposit and 50 % ( {$1500.00} ) after completion of work with XXXX anywhere Citi visa. Few weeks later ( early XXXX ) we noticed the merchant did not resolve the issue they were hired to do and in fact worsened the condition of our home. Went back to merchant and asked for money back so they we could hire another company to re-do the work. Company offered only a 50 % refund for the issue and would only make monthly installment payments over the course of 1 year. As we didnt feel this was a fair solution to the consumer, we contacted Citibank to dispute the initial charges. 

Citi initially issued conditional credit for both the charges. They reached out to merchant, weeks later the merchant provided response and Citi immediately reversed the credit they had granted on our account. When I contacted Citi,  they stated that whenever merchant provides response, they consider the issue resolved but will go back to merchant again if you provide additional paperwork. I then submitted their requested information ( XX/XX/XXXX ) and waited a few weeks to hear back again. Eventually, the merchant responded back again and Citi agreed to credit back one of the charges. I then again reached out to Citi to ask about the status of the secondary charge since it looks like they agreed that funds were due back to consumer as the merchant didnt perform hired service ; and I asked if any additional information was needed from my end to close the dispute. Citi agent stated they had everything and that they were waiting to hear back from visa. I called a second time and said that a resolution should be issued soon. About a week letter I received email that the second claim was denied due to not receiving requested documents. I called Citi once again and asked about it. The agent confirmed they had the documents in file and then noted that one document was missing a signature. She suggested that I scan get document to Citi immediately and explain the situation. I sent the email as requested that same day ( XX/XX/XXXX ). A week later, I got another email that the claim was still denied and that they couldnt do anything because the date had passed. 

The reason for this complaint is for the following reasons : 1 ) the merchant didnt perform job as hired which entitles consumer the funds back 2 ) Citi acknowledges that they agree with this states in that they credited back half of the charge but failed to credit back the second half 3 ) consumer ( myself ) provided documents as requested and followed up with Citi several times and was assured that they had everything they needed in order to process dispute and wasnt made aware of missing signature until after Citis documentation deadline 4 ) overall Citi failed to protect consumer against dishonorable company. 

**images, email communications with Citi and merchant can all be provided upon request.
Product: Debt collection

Constant calls..Threats of apprehension..Calling relatives..Discussing details..Trying to get personal info..
Product: Debt collection

I received an alert on my XXXX Credit report only to find out this this company Credit Control Services is on my credit report for XXXX which is a company that i have never done business with. I have not received any letters pertaining to this debt and they did not validate this debt. It states on my credit report that the debt was opened XXXX which is false because I have been with the same insurance company for auto for over 10 years. This was put on my credit report illegally and without contacting me. if they do not take this off of my credit report I will be forced to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In mid XXXX, I filed a dispute with Transunion for a negative item on my credit report. The negative item was from a collection company called XXXX. I mailed in documents from the original creditor showing that the debt did not belong to me. It shows someone with the same name, but different middle initial and a different mailing/residence address. 

I have previously disputed this item with Transunion 6 months ago and it took them well over 45 days, which by law they would automatically have to delete the negative item, which they did not. On top of that, I asked them to send me documentation on how they verified the item showing it belongs to me and they stated they do not have any evidence that the debt belongs to me, but that the collection agency stated it did, so they take their word for it. I find this very disturbing as anyone can state that you or I owe a debt without any proof and Transunion will just take their word for it and report negative information on our credit reports.
Product: Debt collection

I received a letter in the mail dated XX/XX/XXXX from Rent Recovery Solutions Llc stating I owed a debt to an apartment complex XXXX XXXX where I previously lived XX/XX/XXXX. This was the second company contacting me about this debt. The first company sent a letter on XX/XX/XXXX. My attorney called Rent Recovery Solutions to verify what was being collected. The operations manager forwarded a few documents which show to be doctored or fraudulently produced due to my attorney and myself already having the original documents that were sent to us by the original collection company. Also, we verified that Rent Recovery Solutions llc was hired by XXXX XXXX. We explained to them that the debt they were trying to collect on was paid to XXXX XXXX XX/XX/XXXX by XXXX ( XXXX XXXX ) the insurance company and this account has to be recalled ( cancelled ) and further collection is considered fraud. We have made several attempts to reach the operations manager to verify collection on this paid debt has ceased but she has not returned any calls nor has she stopped collection activity. Also, XXXX XXXX did not notify me about anything owed. The first notice I received was from the first collection company XX/XX/XXXX. According to the property code of Tx an itemized notice of debt owed should be sent within 30 days. No such notice was received. A walkthrough was done with the office manager and she declared everything was fine. The Apartment complex submitted a fraudelent claim to the insurance company XXXX and was paid. 
Moved out : XX/XX/XXXX Claim submitted : XX/XX/XXXX Claim Paid : XX/XX/XXXX Insurance Collection : XX/XX/XXXX XXXX XXXX fraudelent debt to RRS llc : XX/XX/XXXX Notice sent XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from my credit card company today to alert me that someone has tried to open a new credit card account in my name and the inquiry is a hard inquiry on my credit report that was not my doing. I did not open the account. Someone else has stolen my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this CFPB Complaint in accordance with the FCRA 's guidelines to ask that the following accounts, which I believe to be erroneous and incomplete, be looked into right away and updated on my credit report. Billing mistakes are any arithmetic errors or other accounting mistakes on a statement, as well as the creditor 's inability to accurately reflect a statement, a payment received by the debtor, or a credit line given to the debtor, according to U.S. Code 1666 ( b ). In my opinion, the creditor did not send me a statement 21 days prior, hence there shouldn't be any late payments on these accounts. The list of the contested accounts is provided below : XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$95.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX - XXXX XXXX XXXX ( XXXX ) Account Number : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I responded to a XXXX ad for a studio apartment, texted the number that was listed and was shown a virtual tour. Afterwards was sent an online application from what I believed to be a legitimate property company. Was then approved and sent a link to reserve the unit through the leasing process. I paid what I thought was a reservation fee of XXXX dollars through Chimes pay anyone feature. Then they sent the leasing agreement and I started to suspect the legitimacy of the whole process. I backed out of the whole thing telling them to refund my reservation fee of XXXX dollars and I havent heard back from them since. Ive tried requesting the money but the recipient has me blocked from requesting They had links, numbers, virtual tours and an entire property management company website to go to. The whole thing seemed legitimate
Product: Debt collection

I dispute this account information that XXXX has on my created report and they refused to take it off I have not had any insure with XXXX. they say I do. my son with the same name as mine had progressive. they keep saying it's mine. I called them and asked for the paperwork with the signature page they told me they don't have it and refused to send me what they have You have 100 % left to pay on this collection. I am XXXX XXXX XXXX not XXXX XXXX XXXX or the 1st Balance {$170.00} Highest Balance {$170.00} Opened XX/XX/2019 ( 2 yrs, 6 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Original Creditor Name XXXX
Product: Credit card or prepaid card

I've been looking to make a big purchase ( engagement ring ) recently so I signed up for Bank of America 's Unlimited Cash Rewards credit card. 

I was approved on XX/XX/23 with a credit limit of {$16000.00}. I chose this card specifically because of the cards features listed here advertised to anyone by Bank of America {$200.00} in rewards for meeting a certain spending amount in 3 months 1.5 % unlimited cash back 18 months 0 % APR My card was shipped on XX/XX/23. I received the card and made a purchase for {$16000.00} ( the limit they gave me ) on XX/XX/23. I placed another {$5000.00} on another Bank of America card ( Customized Cash Rewards ). 

Then on XX/XX/23, I received a letter saying Bank of America was closing both my accounts for the following reasons ( Recent transaction activity on the accounts ) + ( Number of trades on my credit report ). 

As the only transaction that occured on my Unlimited Cash Rewards card was for my engagement ring that must have been what triggered the closure. 

The problem is they essentially pulled a {$600.00} bait and switch with their advertising. They promised the rewards as described for making certain purchases, approved my application and credit line, and now closed my accounts and refuse to provide the {$450.00} in rewards for me to use for the Unlimited Rewards Card. In addition they closed my Customized Cash Rewards card and refuse to let me use the $ XXXX rewards that I earned from using their card for this purchase and previous purchases. 

I contacted Bank of America on XX/XX/23 to log my complaint and a customer service manager named XXXX from Texas, requested reconsideration as he deemed it credible and reasonable. All I have from this complaint log is a ticket number from that date that I saved as a draft in my gmail account ( attached ). 

This can't be seen as gaming the system as I am accepting their advertised offer. I pay all my balances on time. I know Bank of America collects card swiping fees so how can they accept my purchases and bill me the balance without keeping their end of the bargain to provide the rewards as they offered? 

You can't have it both ways... profit off my choice to bank with Bank of America but refuse to provide rewards promised. I'd happily take my purchase elsewhere to another card company who honors their rewards as advertised.