23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$250.00} on the XXXX XXXX partial account number XXXX. ( Please see pages 11 and 12 of the attached credit report. ) I never received any service from XXXX and I was told by the representative that there would not no charge however, shortly thereafter I received a huge bill in the mail. I immediately called and told the representative that this bill was submitted in error and I again asked why I was I being charged to pay for a service I never received. Because they apparently still had me in their billing system I requested they cancel the account. After cancelling the account I received a letter from XXXX stating if I didnt make payment arrangement to them they would be sending this account to collections. I called and told them this account should NOT go to collections because I never had service and therefore never had an account. They would not honor their previous commitment to not send this account to collections so I had no choice but to make payments to XXXX to avoid any collection. I set up payments of {$25.00} per month to be automatically withdrawn from my account until this was paid-in-full. I was making the scheduled payments and ( 90 ) days later I received the collection paperwork in the mail. I called the collection company and told them about the payment arrangements I had made with XXXX. They told me to turn around and call XXXX, which I did. XXXX told me that the account wasnt resolved and paid-in-full within the ( 90 ) day time frame, so consequently they sent the account to collections. I informed XXXX  that I was never told about the ( 90 ) day time frame and that we had made arrangements to pay this account off at {$25.00} per month until paid in full and that the account would NOT go to collections. XXXX did not honor their agreement and sent the account to collections regardless. XXXX never provided me any service however, they still were able to force me into paying them money they were never intitled to by threatening to send me to collections if I didnt pay them. I agreed on the terms of the monthly payments and they lied and sent me to collections anyway. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 )  bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX Credit Bureaus are violating my rights as a consumer. In accordance with the Fair Credit Reporting Act, the list of accounts below are in violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 The above-mentioned accounts have all 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. section ( a ) ( 5 ) states : ( a ) Information excluded from consumer reports ( 5 ) 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 or other personal consumer reports

Under the FCRA, I dispute the reported late payment on my account as inaccurate. The Act requires all reported information to be accurate and verifiable. I request an investigation and evidence supporting the claim. If unverified, please correct or remove it from my credit report as required by law.
Product: Mortgage

In XX/XX/XXXX, I started contacting home owner 's insurance companies for quotes because I wanted to change insurance companies. My premium was set to auto-pay from my escrow account in XXXX. With all of the hurricane fiasco, the insurance companies were slow at quoting and by the time I got the quotes, my premium had already been deducted from my escrow account from the existing insurance company. So I never signed any new insurance paperwork and told the new company that I would wait until next year. 
In XXXX, my mortgage company mailed me an Escrow Account History. It shows they paid out funds from my escrow account to 2 home owner 's insurance policies. I contacted them immediately and told them I never authorized payment to the second company and that money needed to be put back into my escrow account. I was promised it would be refunded into my account. I asked for an updated Escrow transaction history to show that it had been refunded. 
In XXXX I called again asking for the same information. I received a notice of a shortage on my Escrow account stating that my payment amount would increase due to the shortage. I again asked that they correct the mistake and refund my money and send me a corrected analysis. 
In XXXX I got a notice for the new payment amount but still no correction. I called again and was told that they reviewed the account and found no errors so they weren't sending a new analysis. I again requested the information and the correction. I asked for a supervisor but was told no one was available to answer my call. 
Last week- XX/XX/XXXX, I called again and spoke to XXXX and explained the situation. She told me that she would order a new analysis and it should be available after the XX/XX/XXXX and I could call back after that and ask for it to be mailed to me. I asked why they couldn't just mail it. She said she had no way to do that. 
I can't get the mortgage company to correct this issue and refund the money to my Escrow Account. The mortgage company is a servicing company that is a subsidiary of XXXX XXXX. The name of that company is Specialized Loan Servicing. Their contact information is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, CO XXXX Their mailing address is : SLS XXXX. XXXX XXXX, CO XXXX Their phone # is:XXXX
Product: Credit card

I am writing to address a concern regarding a late payment entry on my Macy 's credit card account, specifically related to the period during the COVID-19 pandemic. I believe that this late payment is subject to the protections outlined in the CARES Act.It has come to my attention that a late payment entry has been reported on my credit report, and I would like to request the removal of this entry. My understanding is that, under the CARES Act, if a consumer makes an arrangement with the creditor and fulfills that agreement, the creditor is generally not supposed to report the account as delinquent. 

I kindly request Macy 's consideration in removing the late payment entry as a gesture of goodwill. I am committed to maintaining a positive credit history, and the circumstances surrounding this late payment were beyond my control. 

The creditor has refused to remove the late payment after contacting them several times.Uploaded is the bank statement that shows payment.
Product: Debt collection

2 years ago, I was paying off debt. Paid off everything I owed with XXXX hospital and XXXX hospital. I recently saw on my credit report that a collection agency is biengreported on my credit report saying I owe medical bills to XXXX and XXXX Hospital. So I called the hospitals and again they said I owed nothing. I have never received any notification from this collection company nice the hospitals which is the original creditor posted on this collection. I found out about this by viewing muy credit report. The collection company is XXXX XXXX for the amounts of {$770.00}, {$68.00}, {$150.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Product: Credit reporting or other personal consumer reports

Credit information is bringing given even when there is to be a freeze on my Credit report. Information also on my account is not correct information is being added by companies that are doing skip traces. When stating this is wrong information it still hasn't been removed from my report. Also due to date breaches my personal information has been leaking on many times. My life has been put in danger due to these data breaches.
Product: Money transfers

XX/XX/XXXX one of my sons asked me to pay his XXXX cellphone bill for him. I did this with him by using the XXXX online bill pay on his account. I paid the bill by giving XXXX a bank sort code and bank account number for one of my bank accounts, and authorizing them to make a single deduction to pay a single bill. The transaction was successful and this should have been the end of the story. However.. 
I made the mistake of using a bank account which I do n't track closely. Then XX/XX/XXXX I noticed an unusual debit on that account. Upon investigation I discovered that XXXX had used the bank information which I provided in order to make an additional XXXX unauthorized debits over the 6 month period between XX/XX/XXXX and XX/XX/XXXX. I immediately notified my bank and disputed the transactions. They were only obligated to refund fraudulent transactions up to 60 days prior to the transaction and they have now refunded XXXX of the XXXX transactions and put a permanent stop on future debits from XXXX. 

I have of course tried to fix this with XXXX. My son canceled service with XXXX XX/XX/XXXX, and XX/XX/XXXX I have spent hours on the phone with XXXX customer service agents who claim that they are not even able to find my son 's telephone number in their system, and in any event they would not talk to me about it because it is not my account. Yet they have my money. 
On XX/XX/XXXX I sent a very detailed letter to the office of the President of XXXX. They responded to say they have received the letter but have not resolved the issue, nor have they responded to repeated telephone calls to follow up. 
XXXX have, either fraudulently or mistakenly, debited my bank account 4 times and seem totally incapable of resolving this. I do n't where else I can go to resolve this and am hoping that CFPB can assist.
Product: Money transfer, virtual currency, or money service

I 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 fraund on their platform, leaving my account vulnerable and unprotected Futhermore, 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 seek appropriate redress for these violations
Product: Money transfer, virtual currency, or money service

I was contacted by a person stating he was from " XXXXXXXX XXXX '' a group I belong to and is very reputable. He said he had an opportunity to show me how to invest in XXXX and make quite a bit of money. This was in XXXX of XXXX. After learning what he was going to do I reluctantly invested {$1000.00} from my Golden1 account. I watched it grow in the trading platform called XXXX. I then deposited another {$1200.00} from my XXXX XXXX business account on XX/XX/XXXX. Then another {$1000.00} on XX/XX/XXXX for a total of {$3200.00}. I was then told I c Ould join their {$10000.00} club and make {$60000.00} in three weeks. I was excited because I saw how much my money was growing. So, I deposited another {$7000.00} on XX/XX/XXXX to join the club. I was told at this time that it had to be all in one deposit in order to join. I told them to for get it I will take my money back. He called a little while later and said he worked it out with the company and if I just deposit {$5000.00} more, they would let me in. I told him I only had {$4000.00}. A bit later he called and said that would do and he was doing me a huge favor. He said I could make {$75000.00} in three weeks. I deposited it on XXXX. I watched it grow and grow. Finally it was time to withdraw my funds and I could invest again. I was told to look for an email with instructions. The email said I had to pay their fee upfront to be able to retrieve my funds. {$24000.00}!!!!! This is why I knew I got scammed. He disappeared and so did my money.
Product: Credit reporting or other personal consumer reports

I had been a victim of fraud and someone started a new phone line with XXXX in my name. So, I froze all my accounts. Equifax can not unfreeze my account, I offered to verify information and needed this to be a simple process. They are saying it will take XXXX business days AFTER they receive my verification documents and people can not purchase and do things if it's this difficult to get access to your own credit. I called and tried to get access or determine why I could not access my previously set up account and they could not provide any information. Also, they disabled my online account because I did not use it enough. Sorry I am not applying for credit every month, but it is not a website I would visit unless I need to access my credit. They did not notify me they were disabling my account.
Product: Money transfer, virtual currency, or money service

XX/XX/18. I bank with American Express I have been an honorable customer for years now, and Im not able to receive my direct deposit from AMERICAN EXPRESS SERVE. I get my direct deposit every two weeks on Tuesday around XXXX XXXX and now the company dont know why ANYBODY is not getting their direct deposit there are ppl out there who havent had a direct deposit in a week. Its a national crisis Im not the only one and you will be hearing more of US soon about US not receiving our direct deposit.
Product: Debt collection

The purpose of this letter is to formally request a settlement for the medical bills I owe your hospital. I regret that I am unable to pay the bill in full at this time because my monthly income has been greatly reduced.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I didn't give written or verbal consent to these credit transactions to report to my credit report. XXXX XXXX, XXXX XXXX Bankruptcy, XXXX XXXX XXXX and XXXX XXXX and Equifax have violated my consumer rights and refuse to remove these items. I am a victim of identity theft and didn't give or authorize XXXX XXXXXXXX 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 and XXXX XXXX to access my consumer report XXXX 

SEE ATTACHMENTS
Product: Checking or savings account

I'm trying to link my checking account with another institution but the bank system do not allow me to.
Product: Credit card

This involves a Chase XXXX XXXX ) credit card. On the XX/XX/XXXX cc statement I saw a charge in the amount of {$2200.00} made at XXXX XXXX. I do not know the exact date that I called Chase in XXXX to report the fraud. They sent me a new card and took the charge off my statement. I thought the matter was settled. I dont use that credit card often and just make the monthly payments. On XX/XX/XXXX, I noticed that my balance was high. Chase had reinstated the charge from XXXX XXXX in XX/XX/XXXX! I have been paying high finance charges for this fraudulent charge since XXXX. I called XX/XX/XXXX and was told to call back on XX/XX/XXXX, which I did. The person I spoke with told me that they found that no fraud occurred. I was told that the purchase was made in person at the XXXX XXXX in XXXX West Virginia. He said they made that determination due to charges occurring after the XXXX purchase and that the card was not reported lost or stolen. I explained that I did not know Chase NEVER notified me that their determination was " no fraud occurred. '' I asked if they have the receipt from the purchase so I could see the signature or did they see video of the person who made the purchase. I was told that " It is not our job to do that, retailers dont like to deal with banks. '' He told me to contact the store myself. I called XXXX. They said that I would have to file a report at my local police department. I called XXXX XXXX Police and spoke to XXXX XXXX. He filed a report on my behalf.
Product: Debt collection

This company is trying to collect {$850.00} from me for a medical bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 All has clearly 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 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

I am submitting another CFPB Complaint dedicated directly to Experian Credit Reporting Agency to kindly follow up the demand that they remove the remaining inquiries they are reporting on my Credit File. As much as I appreciate them removing a portion of the inquiries I previously disputed, I am a bit disappointed in seeing that my Credit file with Experian still indicates the unauthorized inquiries I previously requested for removal. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information, and I once again expect that my rights will be respected. I need Experian to remove the following inquiries completely from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX These Inquiries were not authorized by me nor anyone I gave authorization on my behalf and I am submitting this complaint to demand that the Experian Credit Bureau must remove these inquiries from my Credit File as soon as possible.
Product: Debt collection

To CFPB on XX/XX/2018 I received communication from XXXX XXXX that a company named XXXX XXXX  XXXX had reported to XXXX a debt they said I owe of XXXX That's strange because I never received a notice of any kind requesting payment of this bogus debt. 
FYI : I have had XXXX XXXX and everyone knows this therefore, because this company, Receivables Performance XXXX has violated my Federal rights to be notified of the bogus debt we, my attorneys and I are sending this information to the FTC, FCRA, the Texas Attorney Generals Office as well as filing a major law suit, and be it known, should something happen to me health-wise this company will be charged with XXXX XXXX   XXXX and gross negligence.
Product: Credit reporting

I write and question some things on me credit report. They fix some. But now I try to get mortgage for house and they leave some things in dispute. Experian needs to fix this. I never say I dispute. I agree with what they tell me. So no dispute for:1. XXXX # XXXX. XXXX # XXXX
Product: Debt collection

On XXXX XXXX, 2016, XXXX updated loan XXXX status to BANK ADJUSTMENT/DEED IN LIEU//BANK LIQUIDATION. 

This credit line should be deleted, the aforementioned update does not delete it. I have not been apprised of any change to validate this change
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This letter is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX XXXX XXXX