23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I received a letter dated XXXX XXXX, 2016 from Citizens Bank in regards to a deposit discrepancy. The letter stated that Citizens Bank credited my account {$49.00} to correct the discrepancy, however, no details, date, or specific information was provided as an explanation. In fact, the letter was very elusive as to why, when and how the discrepancy was caused or detected at an unnamed later date. I called the number on the letter XXXX asking for an accounting or date and reason for the discrepancy - the issue was escaladed to a supervisor, but no one had any specifics as to why, when or how the discrepancy occurred. I would ask that the CFPB inquire and investigate this discrepancy at Citizens Bank to see if any additional discrepancies are in need of crediting to my and other account and / or other account holders at Citizens Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a complaint to CFPB on XX/XX/23 about inaccuracies on my credit report with Transunion under Complaint ID XXXX. They have yet to respond to the complaint that has been issued. They are now in violation according to the Fair Credit Reporting Act. In accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau , I request that you immediately delete this information from my credit reports. 

US DEPT. OF Education / XXXX  / Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX / Account # XXXX Please send me a copy of my updated credit report as soon as the above has been completed.
Product: Mortgage

On XX/XX/2017, PNC Mortgage received a copy of the correspondence sent to me advising me that my annual homeowners insurance premium was due on or before XX/XX/2017. I DO NOT escrow anything other than the Flood Insurance. I escrow that because, according to the bank, it 's required by Federal Statute. The policy bill ( again, they were copied on the document and it showed that I was the responsible party for payment via direct bill ) was for {$2200.00} and the insurance department paid it even though I do n't escrow for it. They then increased our payment from {$1000.00} to {$1400.00} to cover the shortage. It ; 's been 35 days, today, of them promising to fix their mistake.
Product: Credit reporting or other personal consumer reports

I file XXXX XXXX XXXX XXXX XX/XX/year> and was XXXX XX/XX/year>. At the time, I had an account with XXXX XXXX XXXX located in XXXX, XXXX Up until the time of filing XXXX all my payments were paid on-time. Every creditor that I listed on my XXXX schedule has been updated on my credit report as " IXXXX XXXX XXXX '' except for XXXX XXXX XXXX. They continue to illegally report my XXXX account with them as a XXXX with an outstanding balance of over {$10000.00}. I have disputed this account several times over the past year with all XXXX of the major creditors but XXXX XXXX XXXX keeps verifying this account as accurate. Additionally, I continue to be denied credit because of the " XXXX  '' that is reporting on my credit report. At this point, I am ready to file a lawsuit for damages. This is my FINAL attempt to hopefully resolve this matter as the credit bureaus and the creditor are obligated to report correct and accurate information on m y credit profile.
Product: Debt collection

i have sent letters and letters to the companies and i havent had no response yet and they are in violation of the FCRA VIOLATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed the copy of my credit reports and I noticed inaccurate public information that is not mine. 

I have listed the inaccurate in PDF and sent it to the Bureaus. Please see the attached file on this complaint
Product: Debt collection

I've attempted numerous times to get this account taken care of. Its past the XXXX, it's reporting incorrectly and needs to be deleted immediately. You guys are on a recorded call violating all types of laws and I am not going to stop disputing this inaccurate and unverifiable account. Please send the Archive File. Do not respond in any way other than through this CFPB portal. If you respond in ANY way other than through here, I will consider that harassment. Also, while the tradeline is under investigation, it needs to be deleted. Please do so. TIA
Product: Debt collection

Calls every day, once every hour, to my workplace without leaving messages. I had to do reverse lookup.   This harassment could get me fired.   My debts are being handled by a debt resolution service and I provided that contact information to all debtors.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : XXXX Main Date : XX/XX/XXXX I never made this inquire, this is not mine, this is fraud. This account is not mine. 

Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account not mine, inquiry removal. 

Company Name : XXXX XXXXXXXX XXXX Date : XXXX XXXX, XXXX Account not mine, inquiry removal. 


Company Name : XXXX Date : XX/XX/XXXX, XXXX Details : I did not approve of this, promotional inquiry Company Name : XXXXXXXX XXXX Date : XX/XX/XXXX Details : Credit report, I did not authorized this on my file. 

Company Name : XXXXXXXX XXXX Account number : XXXX Details : Not correct : The balance on this account is way to outstanding and high it's not correct. Last payment date/Closed Date incorrect. 

Company Name XXXX XXXX Date : XX/XX/XXXX Details : Account not mine, I never been in XXXX this is fraud inquire, I would like this t be removed ( fraud ). 

Company Name : XXXXXXXX XXXX Date ; XX/XX/XXXX Details : I did not make this inquire this needs to be removed! XXXX XXXX. 

Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX Details : This needs to removed information is incorrect.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX Balance : {$14000.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc, ) due timo inadequate service and unfair practices which have violated the CFPA. Cash app failed to take timely and effective measures to prevent and address fraud which was done on their platform. I sent over a payment for a class i was supposed to partake in but then realized i have gotten scammed. I never received anything in value from this person. I tried to request refund and was block by the individual after advising them i had caught on yo them, i immediately reported this to cash app which i was unable to speak to anyone and never given an update besides they couldn't assist me further, no one was ever available to contact me regarding this issue! Their dispute resolution process was unfair and deceptive as they did nit comply with error and resolution requirement under EFTA. Cash app actions have caused me significant stress and financial loss and i am seeking an appropriate investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to call these companies and they forward me to calling XXXX, Equifax and XXXX. XXXX has removed them all as per according to law if they are due to fraud, unauthorized they must be removed as soon as possible. 

See below the inquires that I have never applied to. 

XXXX XXXX XXXX : XX/XX/XXXX + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX + XXXX  ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + XXXX ( XXXX ) XXXX XXXX  XXXX XXXX  Inquiry : XX/XX/XXXX + XXXX  ( XXXX ) XXXX XXXX  XXXX  Inquiry : XX/XX/XXXX + XXXX ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX  Inquiry : XX/XX/XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX + Credit Union XXXX XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX
Product: Debt collection

My problem actually involves XXXX separate issues with the debt collector, Greeneville Collection Service Inc., in XXXX, TN. 1 ) they contacted my employer, 2 ) the caller who identified herself as XXXX XXXX falsely represented herself to my supervisor, acting as though she was personally acquainted with me claiming she had not 'spoken ' to me in awhile, and inquired as to my employment there 3 ) the agency is trying to force me to pay a medical debt from XX/XX/XXXX that I have already paid off in full, through a lawyers office, XX/XX/XXXX. 

It was only AFTER I paid off the medical debt through the lawyers office, that this collection agency began contacting me saying that I owe them money for a medical bill from the same hospital, same date of service ( XX/XX/XXXX ) and same exact dollar amount. They claim that the money I owe them, is for separate hospital charges. However the documentation that I have proves otherwise. 

It is my belief, that this is a fraudulent attempt on behalf of the collection agency to collect money from me, that I do not owe. The dead give-away of their attempts to fraud me is the fact that this collection agency, NOT ONE TIME, ever tried to contact me prior to XX/XX/XXXX regarding the medical debt in question. The fact that they waited until after I paid the same medical debt off XX/XX/XXXX is what makes me highly suspicious of their motive. This agency is well known for doing this!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent in several dispute letters dating back to XX/XX/XXXX to have items that were incorrect removed from my credit report. My last set of letters were mailed out in XX/XX/XXXX. I sent in proof that the following debts had either been closed and settled, not validated or no longer my financial responsibility and were to be removed from my credit report : 1. XXXX XXXX,  Closed and Settled for {$710.00}, with a letterhead from the company. 

2. XXXX XXXX, I was taken to court by them and the judge dismissed the case because the company could not prove that I never made payments on the account after several requests from the judge. I attached a certified disposition from XXXX County, GA courthouse. 

3. Multiple credit inquiries, I have a fraud alert statement that states that any company attempting to offer credit will need to call me at a specific phone number to verifyu identity. No company has called me to verify any inquiries made in my credit report. 

4. XXXX XXXX has not been validated per my request to have this item validated with the information of whom the CRA spoke to or received in writing. 

5. XXXX XXXX company has not been validated per my request to have this item validated with the information of whom the CRA spoke to or received in writing. 

6. XXXX XXXX XXXX XXXX XXXX has yet to validate their account. I explained that I never had an account with this company or are aware whom they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$270.00} Balance updated XX/XX/XXXX Original balance {$0.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your FICO Score XXXX. 
Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Open Account Payment summary XXXX XXXX XXXX XXXX XXXX XXXX - - - - XXXX XXXX - - - XXXX C - - - XXXX XXXX - - - XXXX - - - - XXXX - - - - XXXX - - - - XXXX - - - - XXXX - - - - XXXX - C - - - XXXX - XXXX - - - XXXX - C - - - PAYMENT HISTORY LEGEND Status - Status updated XX/XX/XXXX Past due amount {$270.00} Original balance $ XXXX  Monthly payment - Additional XXXX XXXX XXXX Account Terms - Company sold - Original creditor - Comments COLLECTION ACCOUNT Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency sthall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN FAILED TO INVESTIGATE MY DISPUTE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending transunion letters information on the last few months regarding inconsistent information show on my report from metrics. Ive informed them countless times of my rights as a consumer. And that information per the fcra must report with a 100 % they in return indicated the account is updated but the report remains the same. In the event that information is not corrected this agency has a duty to delete my account. Please assist me with this matter. Below Ive included copies off certified receipts and letters
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give my consent to run my credit for the following companies. 

1. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX, CA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

2. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

3. 
CAPITAL ONE FINANCIAL Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

4. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

5. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

6. 
CAPITAL ONE FINANCIAL Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

7. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Debt collection

XXXX   XXXX  sent me a letter dated  XX/XX/XXXX  asking me to pay a balance of {$140.00} that was a total surprise to me since I do not use their services at all.     I called the  XXXX   XXXX  the last week of   XXXX   XXXX   and spoke with  XXXX  from Customer Care. She advised that the bill was for purchasing 2 phones from them in   XXXX   XXXX   and returning them the same week. I explained to her that I returned the phones the same day I received them in the original boxes because the phones did not pick any  XXXX  signal in my house to be activated. I told her that I called them the week I returned the phones and made sure that I did not need to pay activation fees or restocking fees. Indeed  XXXX  refunded my credit card the activation fees that week.     After some time,  XXXX  told me that she was able to delete the activation fees of {$71.00} but was not able to delete the restocking fees. She told me to wait at leas t 72 bus iness hour for my account to update.     No further communication did I receive from  XXXX  until today. I received a debt collection notice from Convergent asking me to pay the total debt I owe to  XXXX  which is {$140.00}.     I am extremely disappointed and am unable to pay these fees. My credit report can not withstand a collection. I have no funds to hire a lawyer. I do not owe  XXXX  any debt and never received any services from them to pay for. The phones failed to activate because there is no  XXXX  signal where I live. I returned their phones intact immediately after speaking with them and documenting that I was not able to activate the new phones. I paid for their shipment back.      XXXX  Account Number :  XXXX  Convergent Account Number :  XXXX
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. 

XXXX XXXX XXXX : # 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 instructio

ns 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 card or prepaid card

I called Macys Executive Office-on XX/XX/XXXX about a Macys.com purchase. I was told called would be returned same day. Its XX/XX/XXXX XXXX XXXX. no one has reached out. I drove 30-40 miles to a Macys to make returns. Only to learn the value was {$0.00} incorrectly enter by. Customer service but had charged me for the item.Rather than wait for a return label be sent I tried to exchange wouldnt do. I had gone to the store because I was told this item was sold at local Macys that was not true. I returned shoes and didnt receive full credit my paper {$10.00} card for rewards I used was not given but its showing on my return receipt but I dont have. They need to see if it has been used. If so it wasnt by me. 
The item I want to exchange I am asking for the sale price. When I originally tried to exchange the item was on sale but is no longer. I tried to get help from Macys executives office without taking this step. Sorry Order # XXXX
Product: Mortgage

My interest rate is 5.875 and my balance is {$380000.00}. My payment should be {$2200.00}. They are charging me {$2900.00} per month. I called my mortgage company and they can not explain, I have to request explanation in writing.
Product: Credit card or prepaid card

After applying for business credit with American Express in XX/XX/XXXX  American Express gave me 2 business credit cards with 10,000 balances. They then went back and lowered my personal Amex card from 10,000 to 1,000 which is a drastic and unfair decrease and in return also caused my utilization to go up and my credit score to drop.
Product: Credit reporting or other personal consumer reports

Despite having an extended security freeze between XXXX and XXXX, XXXX XXXX XXXX acted in a predatory manner by ignoring the freeze on my account and allowing an unknown person to take out a loan in my name. The company never contacted me to obtain my consent or requested a copy of my identification, something even libraries typically require. I contacted XXXX XXXX XXXX and, following guidance from the Federal Trade Commission, asked them to close or remove me from the fraudulent account. On XXXX, XX/XX/XXXX, I spoke with a representative named XXXX. She was combative and refused to assist me. When I asked to speak with her supervisor, she claimed the supervisor was in a meeting, took my number, and stated that I would receive a call back within XXXX hours. I never heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is the same as described in complaint # XXXX in your complaint database. ( I can not see how this complaint was resolved, unfortunately ). Equifax refuses flatly to give me or my wife our free credit report on line. Per my phone conversation on XX/XX/XXXX with at least two different representatives, one of which was supposedly a supervisor, they require that additional identification be submitted on-line or faxed to an Equifax office in XXXX, both of which are unnecessarily burdensome, less secure, costly, and time-consuming. Additionally, the Equifax representatives refused to tell me why this was necessary, and refused to make any attempts at verification over the phone. They would not even tell me what would be in my credit report that would require extra verification. 

Additionally, attempts were made with Equifax on-line to freeze my credit and my wife 's credit last month, and again this week, after it became legally possible to do this ( XXXX and XXXX allowed us to freeze our credit on-line ), and it was not possible to complete the freeze ( the error message on screen said " Website unavailable, try again later '' ), probably for the same bogus reason of having to send in additional documentation to verify our identities. 

Neither XXXX or XXXX have similar practices, thankfully. 

I am pretty sure that Equifax would still sell me my credit report for money, without any additional verification process, but I am not able to obtain it for free. 

I would appreciate your efforts to stop this practice once and for all by Equifax and to make them sign a consent decree to give consumers their own credit report on-line for free, as required by law, without additional requirements for verification other than what has been standard industry practice. Please note, this has been going on since at least XX/XX/XXXX ( reference the following URL for a story in XXXX XXXX XXXX   regarding this ) : https : XXXX Sincerely, An irate consumer