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

I think around XXXX of XXXX, I noticed my mortgage company, Cardinal Financial, was reporting me as a delinquent account on my credit report of my mortgage amount of {$88000.00}. 
When I called, they said I owed {$15.00} for escrow or something like that. I paid an extra {$9.00} or {$13.00} to get it taken care of on the phone that day because I wanted it to stop showing up on my credit report. 
However, it has not disappeared. Here 's the catch- I am in forebearance with Cardinal due to Covid hardship and we are in the process of getting a partial claim applied. In the meantime they continue to report on my credit. 
Currently the amount is for {$12000.00} which I am guessing is the amount I need applied to my partial claim {$8800.00} plus any payments I have made that they are not processing. That is another phone call to them. 

I have told them more than twice and had my agent with Cardinal, XXXX, tell them to STOP reporting me on a credit report but they have not complied. 

1.They should NOT be reporting me because I am in the process of a XXXX hardship forebearance. 

2. The amounts keep changing on my credit report- on XX/XX/XXXX $ XXXX ; on XX/XX/XXXX {$8800.00} ; on XX/XX/XXXX - {$88000.00} ; on XX/XX/XXXX - {$9700.00} ; on XX/XX/XXXX {$10000.00}- which is the difference of my CURRENT mortgage payment that I paid on time! They obviously are not applying my payments to my account, which is another phone call. 

3. I am paying my mortgage on time- they should NOT be reporting this on my credit report. 

How do I get them to STOP reporting my hardship forbearance on my credit report? Perhaps you could help? I am nervous and fed up with them and think they are playing games so they can take my house. But that's another phone call.
Product: Credit reporting or other personal consumer reports

I ordered phones from XXXX via a kiosk in XXXX. I asked that the account be created from my business EIN, but my personal SSN was used instead. I was told by the rep that i would get a XXXX XXXX, an XXXX XXXX XXXX, and a XXXX XXXX XXXX. The XXXX was stolen before activated, so I contacted customer support and they blacklisted the phone. I was told that I'd have to go inside of a store and get my new XXXX XXXX, but when I visited the XXXX store, I was told they couldn't understand my notes and that they could not help me, and that its nearly impossible to switch a personal acount to a business account. I called XXXX retail support to have the lines canceled and was told that I was too late to cancel. Yet, I never received the XXXX XXXX, nor was I remembered the taxes i paid ( {$110.00} ). i returned all phones back to the retail store only to find out that my account also didnt have insurance on any phone, which i was told i would receive for {$20.00} a month for all three lines. 

To add to the insult, I was told by the XXXX  kiosk rep and by XXXX XXXX XXXX XXXX XXXX XXXX Customer Service that I could pick up my XXXX XXXX  and my XXXX in store, but I was told by XXXX XXXX XXXX reps that they couldn't honor what customer service and the XXXX  rep said I can do.
Product: Credit card or prepaid card

I attempted to make a transaction on XX/XX/19 for furmniture, the purchase was declined due to incorrect zip code. I checked my account on XX/XX/19 and saw that they had put a hold on the {$1000.00} that I attempted my purchase on XX/XX/19 for. XXXX XXXX has no record of me and said I would have gotten an email as confirmation my order went through.I explained all of this to AMEX and was told I could not get my money back for 7-8 days which is unfair because an actual purchase WAS NEVER MADE. I have called them 3 times today XX/XX/19 in an attempt to get my money bck since today is the 7th day I have been told I will get it today but do not know when and then by another agent # XXXX   that I would not get it until the time I made the original transaction at XXXX, this is unacceptable and I continue to request to speak with a manager and have been told I would have to wait for one to call me when they are available. I am currently on hold as I am calling them yet again and I have been on hold for XXXX.I would like this resolved as soon as possible and for their policies and practices to change.
Product: Debt collection

this complaint is abount pnc is reportin the wrong information. 
the type of problem is tring to communicate with the wrong amount of monery- I owe them.when I complain to the company, they give me the around. 
I have talked to XXXX at XXXX.talked to XXXX at XXXX. 
I have sended them information.i also talked to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account - {$740.00} XXXX XXXX XXXX XXXX {$1000.00} 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 instructions
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Checking or savings account

I received two packages from a clothing store, XXXX. I am a regular customer of this store. I received these packages for two separate purchases that were not authorized. I did not place those orders. They were charged on my checking account through Chime. 
XXXX. The first order was places at XXXX on XX/XX/22. The purchase included a {$150.00} gift card and a pair of mens socks. 
XXXX. The second order was placed at XXXX on XX/XX/22. The purchase included a {$150.00} gift card and a pair of mens socks. 
* Both orders were identical. 
I had XXXX on Wednesday XX/XX/22. I was not able to make purchases or anything due to the process of preparing for XXXX, etc. 
I calked Chime banking and informed them on Thursday, XX/XX/22 in the evening. 
Their investigation dept instructed me to upload documents and copies if the information from the orders. I did that. After submitting my case that evening, I received a follow up update email notification on the case stating there was no error found. 
I proceeded to call the vendor ( XXXX ) on the morning of XX/XX/22. They recommended I close my dept store card with them and change my passwords and Would try to place a block on the gift cards purchased. They were able to freeze XXXX of the XXXX gift cards. They recommended reaching out to my bank and attempt to get my money back. I even asked XXXX if they heard from my bank and they stated there is no record from XXXX  reaching out to them. 

I suspect there was no investigation on Chimes behalf because they never called the vendor. 

Ive attempted to get my case opened and investigated 3 separate times with Chime and to no avail, Each attempt would only result in less than a XXXX hour response with a no error found outcome. 
The right thing to do is to return my money. I am turning to you to make this known. How can a banking service not have a proper investigation in place fir unauthorized charges? I also changed to another banking service fearing my funds lack security and proper security service.
Product: Debt collection

Listed as a fraud victim in XX/XX/XXXX due to in accurate unauthorized items on my credit report. 
I have disputed previously but still shows on my report.

NATIONAL CREDIT SYSTEMS   XXXX XXXX XXXX XXXX 
XXXX, GA XXXX(XXXX) XXXX 
Placed for collection:XX/XX/XXXXResponsibility:Individual AccountAccount Type:Open Account
Loan Type:	COLLECTION AGENCY/ATTORNEY
Balance: $XXXXDate Updated:XX/XX/XXXXOriginal Amount:$XXXX
Original Creditor:	XXXX XXXX XXXX  XXXX (Rental/Leasing)
Past Due: >$XXXX<	Pay Status:>In Collection<
Remarks: 
ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: 
XX/XX/XXXX
Product: Debt collection

Dear Sir/Madam, I am writing to formally lodge a complaint against XXXX managed XXXX XXXX XXXX XXXX XXXX TN XXXX concerning the erroneous move out charges that have been applied to my account. As a loyal and law abiding tenant, I am deeply disappointed by this oversight and the subsequent inconvenience it has caused me.

After apt move out. I was billed an amount of XXXX after deducting my security deposit of {$350.00}. This discrepancy was brought to my attention when I reviewed move out statement after 1 month. I have attached a copy of the statement for your reference. 
Upon discovering the incorrect charge, I immediately contacted XXXX customer service via email. Despite my efforts to resolve the matter amicably, I have not received a satisfactory response or rectification. Instead, I was informed that the charges were deemed accurate, which contradicts the terms of our agreement. 
I am seeking your assistance in addressing this matter. I request a thorough investigation into the charges and a prompt refund of my security deposit. Additionally, I urge the forum to ensure that XXXX reviews their apt move out billing practices to prevent such issues from recurring in the future.

Please note, in past I paid al my rent due on time. I trust that the Consumer Forum will treat this issue with the urgency and fairness it deserves.

Thank you for your attention to this matter. I look forward to a swift resolution. 
Yours sincerely, XXXX XXXX
Product: Checking or savings account

I placed XXXX into a cd at Huntington Bank in XXXX XXXX, Michigan that was supposed to be 5.18 % Apy for 14 months. According to every online CD calculator I should be getting {$110000.00} but the bank has it at {$110000.00}. Thats {$470.00} short of what it should be.
Product: Debt collection

Today I received notice via XXXX - XXXX XXXX and XXXX that there is an alert or collection from Ad Astra - Speedy Cash of a collection Acct in the amount of XXXX dated XX/XX/2021 - Ive reported this to Ad Astra - Speedy Cash - via email - registered mail and my attorney XXXX XXXX - No one could verify my info - I filed an FTC affidavit online today as well w My IDs I received NO NOTICE - no call - no mail or email of any type - I reported this to the XXXX XXXX PD Id theft unit today as well - Theres no Acct number or any other verifying data Delete this fraud Acct immediately
Product: Credit reporting or other personal consumer reports

Equifax, XXXX and XXXX XXXX are reporting is reporting XXXX accounts that Have a cease communication per 15 USC 1692c in order which the debt collector has been notified about, and has agreed to stop all forms of communicating through all mediums which include reporting on my consumer report. Further more XXXX XXXX, and XXXX, Equifax is still reporting the upgrade accounts inaccurately and has refused to remove the same accounts from my consumer report. 

Attached is proof from the debt collector they will no longer contact me, and close the accounts. I need to make sure Equifax, XXXX XXXX, and XXXX remove the XXXX accounts immediately from my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX, XXXX, XXXX all reporting in my report as per 15 USC 1681 These companies had no authority and/or permission to report my personal information. They are violating TILA, CROA, and FDCPA laws. I am requesting that my credit file is updated and removed.
Product: Credit card

I made a payment on my XXXX XXXX credit card of {$850.00} XXXX has my money but won't release it until 17 days from now, on XX/XX/XXXX. 
I asked why. They gave me no reason. 

I said, " so, you penalize people who pay their bills. '' The rep said no they don't, but that is EXACTLY what they are doing. 

My credit limit is {$900.00}. I need the {$850.00} to pay my internet bill and my cell phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want Equifax, Experian and XXXX XXXX to add my employer/employment information to my credit report. I want the following employer/employment added to my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CO XXXX, XXXX, Position : XXXX   XXXX XXXX ( XXXX XXXX Salary : {$300000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX The company above along with XXXX, Transunion, & XXXX has not validated this debt, XXXX has not provided methods of validation and the debt collection has not provided original contract with financial assistance with my wet signature. 


I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify this debt. But how is that possible? Under the laws of the FDCPA, I have contacted the collection agency myself, XXXX XXXX and they have failed to verify that this is indeed my debt. 
I was given no evidence of my obligation to pay this debt to this collection agency.. 
The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 
In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

I look forward to a swift and amicable resolution to this matter.
Product: Credit reporting or other personal consumer reports

Recently I was looking into my credit and what I saw caused me severe panic. When I saw the false and baseless claims that were being reported on my credit report it sent me into a tailspin of panic and XXXX and has been really affecting my life in a negative way ever since. It is clear that the time and effort was not taken to ensure that the information being reported on my credit was absolutely and 100 % accurate and I need this corrected at once.
Product: Debt collection

On XX/XX/2023, I mailed CKS Prime Investments LLC an initial letter requesting full debt validation of the alleged debt in question via Certified Mail. CKS Prime Investments LLC received my initial letter on XX/XX/2023. 

After 30+ days, I did not receive a response from their office, so I mailed my second letter requesting full validation for the alleged debt in question again via Certified Mail on XX/XX/2023. CKS Prime Investments LLC received my second letter on XX/XX/2023. 

After waiting for an additional 30+ days, CKS Prime Investments LLC failed to send their responses. 

I mailed my last letter, requesting CKS Prime Investments LLC to remove the alleged debts, # XXXX, # XXXX, in question due to their nonresponse and their negligence to validate the alleged debt on XX/XX/2023 via Certified Mail. 

As a consumer, it deeply concerns me that, despite my written disputes and the absence of proper debt validation, CKS PRIME INVESTMENTS LLC has continued to report this alleged debt on my credit reports as of XX/XX/2023, which is a collection activity. This persistent reporting constitutes a clear violation of the FDCPA and is causing me significant distress. 

I do not know who CKS Prime Investments LLC is, nor have I ever done business with them or been lent any money by this agency for me to owe such alleged debt nor do I agree with this alleged debt on my reports as I never signed anything with such agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following U S DEPT OFED/XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$3900.00} U S DEPT OF EDXXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$2300.00} U S DEPT OF ED/XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance : {$4100.00} XXXX  XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX car sales ran my credit 3 times, i only authorized them to run my credit one time. i spoke to the credit manager XXXX at XXXX car sales in at XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX XXXX XXXX several time and told him only to run my credit one time. 
He ran my credit 3 times. 2 times with XXXX for TD AUTO FINANCE, on XX/XX/2019 and XX/XX/2019. XXXX told me thereafter that XXXX XXXX HAD DECLINED THE LOAN, HE SPOKE UNTRUTH. 
TD AUTO FINANCE TOLD ME BOTH TIME THEY DID RUN THE CREDIT AND BOTH TIME THE LOAN WAS APPROVED. 

Then XXXX XXXX XXXX ran it again 1 more time with XXXX for XXXX XXXX on XX/XX/2019. 

2 TIME THEY RAN MY CREDIT UNNECESSARILY AND WITHOUT MY APPROVAL ANOTHER PROBLEM WITH TD AUTO FINANCE IS THAT THEY PAID XXXX FOR THE CAR BEFORE IT WAS DELIVERED TO ME AND I HAD A 45 DAYS BEFORE THE FIRST PAYMENT WAS DUE AND THE REFUSED TO ADJUST IT, TELLING ME I HAVE TO FIGURE THAT OUT WITH XXXX XXXX SALES IT MAKE NO SENSE. 

ANOTHER PROBLEM IS THE INTEREST RATE ON LOAN WAS 3.99 %, THE MANAGER SHOWED IT TO ME ON THE COMPUTER, AND WHEN THEY GAVE ME THE PAPER WORK ITS NOW 5.99 %, THIS IS FRAUD.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/year> To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 

XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX  XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit.Thank you for your immediate action to this issue. 

XXXX XXXX
Product: Debt collection

ALL 3 CRA AND 3 DIFFERENT COLLECTION COMPANIES ( " XXXX XXXX, XXXX AND XXXX XXXX '' ) DEMAND SAME PAYMENT OF DEBT THAT NOT MINES AND NEVER DONE BUSINESS WITH COMPANY " ... VIOLATES " FDCPA, FCRA AND FCBA '' AND REPORTING SAME ACCOUNT ON ALL CREDIT REPORTS
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned 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 XXXX XXXX