23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX, I was alerted by mail that my account with XXXX XXXX Hospital was turned over to XXXX. I contacted XXXX on XX/XX/XXXX, regarding the transfer of the account. I learned that XXXX had two accounts from XXXX XXXX Hospital. The first account was {$1100.00}. The second account was {$670.00}. I disputed the second account, because I thought I had paid it completely. I setup a payment arrangement for the first account for the monthly payments to be automatically deducted from my credit card. In XX/XX/XXXX, I discovered that I paid a XXXX bill in full, which was different from the second account that XXXX had. Therefore, I call XXXX on XX/XX/XXXX to ask them to add the second account to my existing payment plan. XXXX added the second account to the first account and told me that my monthly payments would continue to be {$120.00} per month. The representative agree. XXXX reported the second account as being delinquent to the Credit Bureaus on XX/XX/XXXX. I call XXXX, in XX/XX/XXXX, and asked them to correct and remove the error that was reported to the Credit Bureaus, because I had not missed a single payment. The representative said the error would be corrected in two weeks. Now, XXXX refuse to correct the erroneous reporting. In addition, XXXX did not communicate with me that they were going to report the second account as delinquent. Therefore, I did not have the opportunity to remedy the situation, before they made the injurious report to the Credit Bureaus. As of XX/XX/XXXX, XXXX XXXX bonds with Texas Secretary of State has be cancelled and has not been renewed, since XX/XX/XXXX.
Product: Debt collection

I have received 1 call a day from portfoliorecov every day except weekends for the past 3 weeks always from different numbers. I never received a written notice of a debt owed prior to them calling me and I do not owe any debts to my knowledge.
Product: Credit reporting or other personal consumer reports

I'm extremely distressed by the credit report I recently received! This situation is completely unacceptable. It's baffling that the government allows such blatant errors that have such a severe impact on people. I'm fully prepared to hold you accountable for your poor reporting practices if you don't promptly and accurately address this issue. To my knowledge, these accounts shouldn't even be on my file, and I have no idea where you obtained them from. 

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 
Your dissemination of this inaccurate and incomplete information constitutes a serious breach of credit reporting laws. I require that you expunge this misleading information and furnish corrected credit profiles to all creditors who have received a copy within the last 6 months, or within the last 2 years for employment purposes. Additionally, I request the disclosure of the name, address, and telephone number of each credit grantor or other subscriber.
Product: Credit reporting or other personal consumer reports

According to Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to request that credit reporting agencies ( CRAs ) block the reporting information on their credit report that was the result of identity THEFT. Because my information was disclosed on the Data Breach : I have several fraudulent accounts that should be removed. 
XXXX. ) XXXX XXXX {$570.00} XXXX. ) XXXX XXXX {$850.00} These Accounts are due to the Data Breach, therefore they should be removed immediately from my consumer report. 15 U.S.C 1681... PROMOTES THE ACCURACY, FAIRNESS, AND PRIVACY OF PERSONAL INFORMATION...
Product: Credit reporting or other personal consumer reports

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XX/XX/2023
Product: Bank account or service

The Honorable XXXX XXXX XXXX XXXX and Chase Bank - CEO ( TOP MAN ) ; I write in XXXX filing XXXX charging complaint against Chase Bank in XXXX, TX Headquarters - all unresolved new checking, debit, and credit card are all declined that I do not want fill out for XXXX time it will be declined again that I am escalated afraid of declined,. I was not happy with XXXX XXXX in very bad rude against me with unresolved banking issues. I do not allow female worker with me in formal escalated requests. as I am not happy alone fill out in new opening account of debit & checking, and credit card applications. I complain with unresolved with Chase Bank situation bringing up the report to U.S. Senators and Speaker XXXX. I escalated complaint against XXXX XXXX in Chase Bank in XXXX, TX, that she/he hated me as he/she is in bad employee rude against XXXX XXXX XXXX as she/he used bad judge against XXXX XXXX. I am not happy with XXXX XXXX tough periods.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identity fraud alert on my credit reports and I'm having a hardest time having the items removed. I was an victim of identity theft back in 2015. I sent all three credit bureau a copy of the police report, stating that someone used my Social security number for their personal access. I have been fighting this for almost four years and they issue is still not getting resolved. I have a lot of hard inquiries that have not been removed, accounts that are not mines and etc. I was thinking about getting a lawyer to have this issue resolved. It is hurting me a lot, because I can not get approved for loans. Every time I dispute an inquiry or an account, the credit bureau always send a letter stating that the account was validate. I don't know what information they are using to validate that it is me. I know that they have an alert on my credit report stating that they suppose to be calling me when someone is using my information, but the creditors are not calling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This needs to be sent to Experian, XXXX, XXXX. 

XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 62 % of this account is paid off Balance on XXXX XXXX, XXXX {$3600.00} Original loan amount {$9600.00} Account info Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan In Washington, the statute of limitations on debt collection lawsuits is six years after the date of default or last payment on the debt account. Once a debt is past the statute of limitations, debt collectors can still attempt to collect on these debts, but they can not file a collection lawsuit .XXXX XXXX, XXXX. If a collection agency calls about an old debt that you think is past these limits. This account is past these limits and also this was reported without my knowledge. This is bringing down my credit and should be removed from my credit report this reported to all three credit agencies and should be removed from all of them. This needs to be sent to Experian, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I applied for a loan and I was denied because there is a repossession on my credit report I tried calling XXXX XXXX XXXX XXXX and they keep disconnecting the call when I am asking questions. I did find that the account is for a XXXX XXXX XXXX and the pay off amount is {$10000.00}. This information was supposed to be removed off of my account in " XXXX ''. This is old information that keeps reappearing on my credit report. I need the system to be updated with this information removed. I was told to send a CBR report to have information removed Sent that letter back and the information is still reporting on my credit report I have called XXXX XXXX XXXX XXXX numerous times and have received no help with this matter
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports
Product: Checking or savings account

My funds ( {$1700.00} ) in my Checking account have been held XXXX by Charles Schwab & Co, Charles Schwab Bank ( SSB )!!!! 
According to a letter I received via mail to my address at XXXX XXXX XXXX from Charles Schwab on XX/XX/year>, The restrictions on my checking account have been removed after the XXXX XXXX XXXX completed their review. In reality, I still could not log in to my account and the screen still said restricted fast forward a month now at XX/XX/year>!!! The agent placed as the contact person to my case XXXX XXXX has been insufferable and very unprofessional with handling my case of my account review, my funds transfer to my external XXXX XXXX account and the XXXX of my account. The agent XXXX XXXX has not been responsive and has changed his contact number without informing me which made it so I was left unanswered for over XXXX weeks on the status of my account. After finally getting a hold of XXXX XXXX on Friday, XX/XX/year>, and after answering all his security questions satisfactorily, he said that the funds in my account would be transferred to my external XXXX XXXX Account within the day or by the next business day and my account closure should happen XXXX business days! This DID NOT HAPPEN! He did not fulfill his fiduciary duties, promises or obligations and has had his phone unavailable for calls or even voicemail for the past XXXX weeks ( Try his number here XXXX XXXX and see that it is unavailable )! I have been left in the dark! I have been forgotten by XXXXharles Schwab & Co and by XXXX XXXX! The service has been horrible and caused me financial and psychological harm! 
This has stranded me especially financially and I am currently owing my landlord for back-rent due to the freezing of my funds by Charles Schwab !
Product: Credit reporting or other personal consumer reports

Notified at XXXX of another computer generated lie from this disgusting scamming company, PLOYS AND LIES SHOULD BE THIS COMPANY 'S BUSINESS MODEL AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Debt collection

I got a payday loan with XXXX XXXX XXXX back in XXXX or XXXX of 2016 - I could not make my payments due to me losing my job. Well, recently they started calling my 6 month XXXX  sister ( XXXX at XXXX XXXX ) and telling her she was going to press charges against me for some " bad checks ''. ( I have never written a bad check ). I had numerous numbers call me ( # 1. XXXX - called 9 times today- ( # 2. XXXX - called twice today ( # 3XXXX - Called me 6 times yesterday ( 4. XXXX - called twice yesterday ( # 4XXXX - called 3 times yesterday ) I called XXXX and spoke to her and besides the fact that the was very rude, she tells me I have a balance due and I have to pay something on it today, if not my paperwork will be sent in for " civil proceedings '' and I would go to jail, all while my children were in the car listening to this conversation ( which is why I tried to explain to her what the situation was ). I did explain to her that the reason I had not paid it was bc I lost my job that time and could not pay anything. I now have medical bills arising for something I was diagnosed with last month and I can not pay the balance and she refused that I I told her I can make a payment on Friday and she said I have to pay today. She said to find someone who will let me borrow the money, so I told her I would call her back so I can speak to someone who would lend me the money - She got upset and said that that was the problem, that I needed to pay then. I told her I would need to let my boyfriend know what was going on and she hung up on me. I ended up calling my boyfriend ( who is a XXXX XXXXXXXX in town ) and he told me not to verify or give any bank/card information. So, I call XXXX back and tell her I had just spoke to my boyfriend, who is a XXXX XXXXXXXX, and he told me not to give out any personal information until I knew who these people were and before I could get another word out, she said she did not care if who he was and right when I was going to say something, she hung up on me ( she said hanging up was noted as " refusal '' ). 
I'm at a standstill because I don't want to go to jail for a payday loan and I can't get anything done with these people
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 address on my credit file that I have never been associated with I would like them removed from my credit profile, XXXX XXXX XXXX XXXX XXXX va XXXX and XXXX XXXX XXXX XXXX XXXX XXXX va XXXX and XXXX XXXX XXXX XXXX va XXXX, And I will like my Report to be updated with my current address XXXX XXXX XXXX XXXX XXXX va XXXX, I have provided a current bill and a copy of my driver license Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX. To remove XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX those are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Credit Bureaus XXXX XXXX XXXX TransUnion, XXXX Dear CFPB, I am writing to formally file a complaint against the credit bureaus XXXX, TransUnion, and XXXX regarding inaccurate reporting on my credit file. 

I in fact have a active account with XXXX, which is associated with the following details : - 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 Despite having this account, I have been informed that my credit report inaccurately reflects that I do not have any credit card accounts. This discrepancy is affecting my credit score and my ability to secure credit. 

I kindly request that the CFPB investigate this matter and assist in ensuring that my credit report is corrected to reflect the accurate information regarding my XXXX account. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Debt collection

XXXX keeps calling here for the person who previously had this number. I have told them several times to stop calling ( on the phone and sent emails to the company through their website ), the person they want is not here, and they can research to find her new phone number on the internet and then call her like I did. 

They wo n't stop. Can you do anything to help. I 'm sick of this and my next step is to get an attorney to file a cease and desist claim with a lawsuit for harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX, XXXX, XXXX Dear XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. makes this complaint on the issue of forged checks that were approved for the payments by Sterling National Bank XXXX Bank XXXX on XX/XX/XXXX. 
It should be noted that our Law Office keeps accounts and issues checks from our accounts in Sterling National Bank for 15 years already! Copies of authorized signatures and samples of our checks are on records in the Bank. Bank is fully informed that our checks are always hand written and only two people are authorized to sign checks. Sample of the signatures as was stated are in the banks system. 
However four checks that look absolutely different on its face from those checks that XXXX XXXX XXXX makes payable to its clients were withdrawn from the account # XXXX with the approval of Sterling National Bank on XX/XX/XXXX without any attempts to verify said checks with our office. Specifically, check # XXXX in the amount of {$4600.00} ; check XXXX in the amount of {$4800.00} ; check # XXXX in the amount of XXXX ; check # XXXX in the amount of {$4800.00} were approved by the Bank for payment on XX/XX/XXXX. Total amount of {$19000.00} have been withdrawn from our bank account # XXXX. ( Checks are attached hereto ). It takes one glimpse to realize that these checks are crude forgery as they look completely different from those that our Law Office gives to the clients. 
On XX/XX/XXXX upon receipt of the Bank statements we reported the fraudulent transactions right away to XXXX XXXX, regional manager. On XX/XX/XXXX an Affidavit of Unauthorized Transactions along with the Questionnaire were filled in and submitted to XXXX XXXX, Bank Manager of the branch located at XXXX XXXX XXXX, XXXX, NY XXXX. ( Copy of the XXXX and XXXX is attached hereto XXXX. 
Since XX/XX/XXXX this Office did not hear from the Bank. I spoke with XXXX XXXX, regional branch manager ; XXXX XXXX, local branch XXXX on multiple occasions all to no avail. XXXX XXXX tried to get in touch with the Bank fraud department but nobody could provide him with any viable information or response. Up today Bank did not present to us investigation report following our complaint. Needless to say our office was not credited with {$19000.00}. 
It goes without saying that it was Banks overlook to allow cashing of the checks that are fraudulent on its face. For 15 years that we are doing business with the Bank, it should have known how our checks look like, who and how signs the checks. It is so obvious that if the Bank was diligent and prudent it should have prevented fraudulent checks from cashing. It is my deep belief that XXXX XXXX neglected XXXX XXXX XXXX XXXX XXXX XXXX as a Client by not reimbursing us with the money that was fraudulently withdrawn from our account. 

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

TO WHOM it may concern I am writing to report that I am a victim of identity theft. An unknown individual has fraudulently opened a XXXX XXXX XXXX XXXX credit card account and a XXXX account in my name. These unauthorized accounts have been reported to the three major credit bureaus : XXXX, TransUnion, and XXXX. Details of Fraudulent Activity : 1. XXXX XXXX XXXX XXXX Credit Card Account : - This account was opened without my knowledge or consent. ON XX/XX/XXXX under the account number XXXX - I have not authorized any transactions or actions related to this account. I HAVE TRIED to communicate with you guys but i haven't seen any positive results in the matter, Impact on My Credit Report : These unauthorized accounts have negatively impacted my credit reports with XXXX, TransUnion, and XXXX. As a victim of identity theft, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), particularly Section 605B, which allows for the blocking of information that is the result of identity theft. Under FCRA Section 605B, I am requesting that the fraudulent accounts be blocked from my credit reports. This provision mandates that credit reporting agencies must block the reporting of information that resulted from identity theft within FOUR business days upon receipt of proof of identity, an identity theft report, and an official request to block the fraudulent information., and if for some reason this item doesn't getting deleted or blocked, you guys are violating my right under FCRA XXXX this are fraudulent account in my name that wasn't opened by ME I REPEAT SOMEONE IS USING MY NAME I am requesting your assistance in this reinvestigating this matter and taking the appropriate actions to prevent further harm DESIRED OUTCOME : PLEASE REMOVE ACCOUNTS FROM CONSUMER FICO CREDIT REPORTS VICTIM INFO : NAME : XXXX XXXX XXXX Of Birth : XX/XX/XXXX Contact info : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXX Arizona XXXX XXXX
Product: Credit reporting or other personal consumer reports

transunion is reporting inaccurate information to my credit profile.
Product: Credit reporting or other personal consumer reports

I have reached out to the credit bureaus and attempted to send certified letters to the US Department of Education. Unfortunately, the letters consistently show as in " transit, '' and I have been unable to confirm delivery. Despite using the contact information from my credit report, I have not received any verification of successful delivery. This lack of confirmation has raised serious concerns about the inaccuracies in my credit report related to this account. I worry that my concerns have not been properly investigated, especially as I have not received any response. These inaccuracies are significantly impacting my credit, and I am seeking assistance to ensure that this matter is resolved.