23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have ongoing issues with the credit bureau XXXX XXXX XXXX XXXX. Its an ongoing issue that the online dispute portal with XXXX XXXX always have an error message and never allows me to do disputes through the online portal system. Im always having to pay for stamps and having to mail out my dispute, which takes even longer, and every time I called to get help with the situation, my concerns are overlooked and then they want me to the dispute process over the phone with somebody usually in another country that is very rude. I want to be able to look at my credit report and dispute each item on my own like everybody else is allowed to. I dont know why Im singled out and I dont know why I cant get this issue fixed, I put a ticket in to receive an email to say the ticket was closed but yet no resolution was provided to me in the email which is further upset me. XXXX XXXX has gotten very lazy with her dispute process and they never take my concern. Seriously I have over 30 inquiries on my credit report that are all fraudulent and I dispute those and they dont get disputed thats a violation of the credit reporting act because theyre supposed to follow a protocol to disputing each item. Also, there is a collection report on my credit bureau that isnt mine that needs to be disputed. The account was a fraudulent account and I disputed it with a credit bureau and the merchant and done a identity report and try to dispute it again with XXXX XXXX but then they wont dispute it again. I need all negative items that are listed on my credit report disputed I dont know how much clearer I can be on that dispute each item whether its the bankruptcy inquiries negative accounts, I need all that stuff investigated and remove my credit report I meant Im getting tired of constantly having riding and begging to get somebody to help me and nobody wants to
Product: Credit card

XX/XX/XXXX, Macy 's replaced my existing Macy 's credit card with a new store branded American Express credit card issued by Department Store National Bank, a subsidiary of Citibank. The previous card was sending e-bills to my bank. I do n't shop at Macy 's often, but there was a charge on the credit card for a total of {$99.00} on XXXX/XXXX/XXXX. I never received a paper bill at my mailing address, an e-bill at my bank, or an e-mail bill at the e-mail address in their records. Suddenly, XX/XX/XXXX, I got a letter from their collection department. When I called, they said they could mail me a bill in 2 weeks, but they refused to e-mail me any information. There was no way to get any information on line with my Citibank accounts ( even though Department Store National Bank is owned by Citi ), and I could n't get online access to the Macy 's card account separately. Basically, my choice was to pay the bill without ever seeing it and verifying that I actually made the charge, or let my credit score deteriorate while I waited to see what they would send. I was able to get customer service to eliminate the late fees and I paid the {$99.00} because they said if I did n't pay it right then, they would add back the late fees. They closed the account, which is fine with me because I 'm so mad I would have closed it anyway. But, I am very concerned about their reporting to the credit bureaus and my credit score. I pay my bills every month in full and have a FICO score in the XXXX range. This company should be required to send a bill before sending an account to their collections department.
Product: Debt collection

I told the CEO I would pay the debt. ( XX/XX/2022 ) I paid the debt in full ( XX/XX/2022 ) They claim I didn't pay it ( XX/XX/2022 to XX/XX/2022 ) I asked for my payment coupon back. ( XX/XX/2022 ) They " lost '' it and/or " did not credit '' my account ( XX/XX/2022 ) I wrote them to send payment back to me or discharge the debt. ( XX/XX/2022 ) I received notice that because I didn't adhere to my " card member agreement '' they would " reserve the right to report the account as delinquent to all credit reporting agencies '' ( XX/XX/2022 ) On XX/XX/2022 I sent a certified mail letter demanding they either return the payment or discharge the debt. I have not heard from them except that they will report this account delinquent.
Product: Checking or savings account

On XX/XX/2022, my Chime account was hacked. My phone number, email address and pin number was changed. At XXXX XXXX, {$890.00} was stolen from my account and transferred to a XXXX XXXX account. I have contacted Chime and they refuse to give me a provisional credit while they process the dispute.
Product: Credit reporting 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 XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX VIA DEALER XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I had no indication or knowledge of these increase inaccurate by report, has violated my rights. 
I looked at my Equifax credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( eXb ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) n generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be venfied, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modity that item of information, as appropriate, based on the results of the reinvestigation ; and prompty XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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

We purchased a refrigerator from XXXX and used XXXX financing on XX/XX/XXXX. The refrigerator came with a bonus set of front door panels that were delivered a few days after the refrigerator arrived. The XXXX delivery employees damaged our refrigerator door frame and the original Tuscan Bronze door panels by using a screwdriver to remove the panels when they should have used XXXX a suction cup tool to properly remove the panels. I noted on the delivery order of the damage to my panels and refrigerator. We have spent 40-50 hours or our time trying to get XXXX to remedy the situation via calls and internet chat ( I have screenshots of the chat and I have call logs from my cell phone provider ). Their call center routed use to a customer service number XXXX, which is no longer in service. After countless calls we disputed the charge with XXXX XXXX on XX/XX/XXXX and payments were halted until the dispute was resolved. TD Bank handled the dispute and they sided with XXXX on XX/XX/XXXX because they supposedly tried to call me for clarification on what was damaged and I did not answer the call. They admittedly stated they never left a voicemail for me to call them back so the call was not returned. At that time payments were to resume even though I still have a damaged refrigerator and no resolution. I re-disputed the charge with XXXX XXXX on XX/XX/XXXX which is still unresolved. XXXX did contact me and asked about the panels XX/XX/XXXX and I told them to come and get the refrigerator or give me new panels and {$500.00} off the balance owed. On XX/XX/XXXX they send an email stating, " with E-Commerce previously is out of the return window. ". So now I am stuck paying for a refrigerator that has been damaged since delivery. I am no longer going to pay for this refrigerator and I am going to wreck my XXXX credit score over principle. I am being financially harmed by XXXX XXXX and TD Bank. Please help. XXXX XXXX - XXXX ( XXXX ) XXXX XXXX Account # XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

16. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

17. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

18. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Mortgage

Ive been working on getting a loan from QuickenLoans. They advertise 30-45 days to close a loan. I was and have proof that everything they asked for like loan documents pay stubs w2 letters and just everything was given to them super quick. They would ask for extension on top of extension. After going thru every possible channel i finely lost control and gave up on the loan. I have earnest money appraisal but the amount of stuff they kept asking for got so bad because was already given over and over and over my bank threw up their ya dx and they did not know what QuickenLoans wanted. The loan has taken over 3 months to close. Today I signed and I still feel like there is a way that QuickenLoans will XXXX it up. Thats how terrible they are. QuickenLoans has extended my loan so long that I almost lost the house we wanted. 
They XXXX and should not be in business because they cant to their one and only job. They made purchasing a home the most miserable process and I will never deal with them again.
Product: Mortgage

Since Wells Fargo took over servicing of my loan in XX/XX/XXXX, they did not perform due diligence to estimate my property taxes after the purchase of my loan, causing an immediate increase to my mortgage XXXX starting in XX/XX/XXXX. I did not call to complain about it at the time because this only represented a minor mistake based off the increase. Then in XX/XX/XXXX I was notified of another increase based off their miscalculation and adjustment to my property taxes. I did call them to complain at this point because I know they did not perform their due diligence when taking over servicing of the loan for estimation of taxes plus proper reserve requirements. They stated they were only able to forebare a nominal amount of {$100.00} that would not help at this point. I applied for a loan modification in XX/XX/XXXX to help with this and I was declined. Now I just received my escrow analysis for XXXX and now there is a shortage of over {$3000.00} l, adding {$200.00} more to my escrow impound payment. Since they took over servicing of my loan, my payment has now increased by XXXX XXXXXXXX due to their original error of not properly estimating taxes and setting appropriate reserves since taking over servicing of this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters to each credit reporting agency XXXX, XXXX, & TransUnion notifying them to update my personal information. There are many variations of my name, & outdated residential addresses. Despite me showing proof of my current address and my only legal name these agencies have failed to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau is showing an incorrect address as my previous address : XXXX XXXX XXXX XXXX, OR, XXXX I have never lived at this address, therefore please delete it.
Product: Payday loan, title loan, personal loan, or advance loan

I received a phone call from phone number.. ( XXXX ) XXXX, stating that they were working with a lawyer and they are notifying me that I was being sued for a personal loan from Bank of America in the amount of {$10000.00}. That this was them giving me notice that I have been served. They stated that they had gone to my residence multiple times and they were unsuccessful. I was given a number ( XXXX ) XXXX claiming they were an attorneys office. I called the number and I was told that they were willing to do a settlement for {$3000.00}. I stated that I was not able to pay that amount & they stated that they would hold it until tomorrow and take the payment then. 

When I hung up I pulled my credit report and I have addresses that I have never lived at. I also looked at all my accounts and I did not see anything with. I tried to call again and they did not answer.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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
Product: Debt collection

I rent office space in XXXX, MA from XXXX, and have used XXXX for approx 5 years. I recently received fraud-filled notices that I owed {$5300.00}. ( Email subject line, " Case File : XXXX XXXX XXXX XXXX. [ redacted ] Balance : {$5300.00} '' ) These emails surfaced twice when I owed no more than a single month 's rent -- approx {$500.00}. The emails are sent to me from a debt collection agency in XXXX, and the content of the emails is threatening and filled with fraudulent claims. Specifically, the collection agency states if I overnight a check for {$900.00} my debt will be forgiven, but I don't owe anything like {$900.00}, so demanding payment in this amount to alleviate the debt amounts to extortion. Furthermore no one has reached out to me to discuss this matter, as claimed in the email sent. I have called and emailed XXXX on numerous occasions and received NO RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with transunion to delete an remove all inaccurate information on my credit. checking my file ive noticed alot of invalid data that is hidnering my file an is not 100 % accurate. review all information submitted to clean my credit report to put it in good standing asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times contacting Prosperity Bank in trying to resolve a fraudulent credit pull from their company. I have spoken to several different departments within the company and they either have " no record of my name in their database '' or are unable to help me. This was pulled on XX/XX/2017. After calling their company several times, as well as calling the XXXX  number, and filing a report on XXXX XXXX   website, 9 months later and I am still unable to resolve this issue.
Product: Debt collection

Several years ago I started receiving notices from a debt collector for a {$9.00} charge to XXXX XXXX XXXX. I had never received a bill from XXXX XXXX XXXX for this amount. My first step, as is typical when the first notice I receive that I owe any amounts is from a debt collector, was to send a letter to the debt collector asking for proof that I owe the money. I indicated, as is true, that I was happy to pay the {$9.00} provided they could prove that I actually owed the debt. I also explained that this was the first notice I had received that I owned XXXX XXXX XXXX {$9.00}. 
Apparently this is for long distance service, which I have no recollection of ever having long distance with XXXX XXXX XXXX and, since I have had a cell phone for more than 15 years, it has been at least that long since I have needed long distance service. 
I received no response from that debt collector but in a few months I got another letter from a different debt collector for the same amounts. I did the same thing with this debt collector that I did with the first and sent a letter asking for proof, committing to pay the {$9.00} provided it was actually my debt and they could satisfactorily prove it was mine. That debt collector sent a response that only indicated that the amount I owed was some much larger amount. No copy of a statement from XXXX XXXX XXXX, no XXXX XXXX XXXX ledger indicating a total amount owed and a payment made that was {$9.00} short, nothing. 
After that I heard nothing for a long time. But now, I have recently gotten a bill from XXXX debt collector. Additionally, I have noticed on my credit report that they have reported to credit bureaus that I am behind on a payment. 
Apparently I am going to have to get the CFPB involved to get this resolved. I reiterate, I am happy to pay the {$9.00} if they can prove that I owe it. I wo n't pay any other fees since no one ever bothered to provide me with a bill that shows I actually owe the money. I also want my credit report cleaned up. I never neglected this payment or any request for payment. XXXX XXXX XXXX neglected to bill me for it and XXXX different debt collectors neglected to respond to my request for proof. That does n't make me behind in my payments. Please help.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of a fraudulent account from my credit report under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following account was not authorized by me : Fraudulent Account : Creditor : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

PLASE REMOVE FRAUDULENT INQUIRY XXXX  : XX/XX/year>
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered that my identity has been used without my permission, and accounts have been opened in my name fraudulently. I want to make it clear that I did not authorize these, and Im asking that these accounts be removed from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX I Discovered a fraudulent account on my credit profile From XXXX XXXX XXXX. The creditor that is reporting on my report is XXXX XXXX XXXX for the amount due of {$1600.00} ( Account # XXXX ) On XX/XX/XXXX I filed an identity theft report and a police report with my local department. I also filed a dispute with Experian and XXXX requesting this item be removed due to being fraudulently obtained in my name. This Dispute process has gone on way to long and i have yet to see any results being made. 

Today is XX/XX/XXXX Almost a year later and I am now reaching out to the CFPB to investigate more into this situation.
Product: Credit reporting

many credit companies that ware put in my credit report that ware never opened by me.
Product: Credit reporting or other personal consumer reports

am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXXXXXX XXXX  XXXXXXXX XXXX  XXXX Balance : {$2400.00} & XXXX XXXX XXXX, XXXX Balance {$1500.00}
Product: Money transfer, virtual currency, or money service

Paypal has been the absolute worse company I have ever had the pleasure of doing business with. I used paypal as a payment processor from selling on XXXX. They arbitrarily closed my account while I had active shipments and payments and are holding my money for 180days. This has caused me to suffer monetary loses as I only sell personal things. They also removed money out of my account while its was closed to pay someones elses debt which I did not or could not authorize! On top of that they have taken their fees and are getting interest from my money
Product: Credit reporting or other personal consumer reports

Upon obtaining a copy of my credit report, I was alarmed to discover inaccuracies with my personal information. I noticed additional names and addresses listed that are inaccurate.The fraudulent information on my credit report includes the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX