23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX provided a service after we moved from our home when the government shutdown in XXXX, 2018 located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX. However, we had a bill sent by the following months to that address then to collections. The bill was {$100.00} for the final service then when it went to collection was {$280.00} at PIF , Inc., Phone : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX Hours M-F XXXX XXXX Paid In Full , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX I need a surgery and can not get it because of this already paid for collection for a service where we had moved out of the home due to the end of the lease as well as a federal shutdown. Please help me, I am a XXXX veteran from two wars. Thank you! 

XXXX XXXX XXXX or XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal 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 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.

and according to 15 USC 1681eb they are supposed to ensure this 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I purchased an appliance package XX/XX/XXXX from XXXX XXXX XXXX. Total charge {$2500.00}. XXXX of the XXXX items were delivered- microwave, fridge, dishwasher. The stove was not delivered since it was on back order. I was unhappy with XXXX of the XXXX delivered appliances. I called XX/XX/XXXX to have XXXX of the XXXX delivered appliances- the microwave and fridge- returned. After spending a total of XXXX hours on the phone with both XXXX XXXX XXXX, where I ordered the appliances, and XXXX XXXX, who delivered the XXXX items, I spoke to a store XXXX and told them to cancel the order for the fourth undelivered item, the stove, since they could not provide an expected date of when the item would be in stock. The XXXX assured me the stove order {$670.00} was cancelled and would not be in my statement. The fridge and microwave were picked up the following Monday or Tuesday. That should have been a credit for {$1300.00} plus tax. The stove, since it was cancelled, was never delivered. The only appliance kept was the microwave {$460.00}. This cancelled stove has remained on my credit card. I disputed the charge XX/XX/XXXX to asynchrony bank. I did not receive a resolution. I instead got a credit card statement in XX/XX/XXXX that I owed XXXX for the stove. I called synchrony again XX/XX/XXXX. I again disputed the charge and the interest and late fees for a product that was cancelled and never delivered. I did not receive a resolution. XX/XX/XXXX I again receive a Lowes credit card statement that I owe {$930.00} for the stove, late charges, and interest. I called synchrony bank and disputed a third time XX/XX/XXXX. The matter remains unresolved. XXXX refuses to credit the cancelled undelivered item and continues to charge me late fees and interest.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from all of my credit reports from all agencies effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 



Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX, MI XXXX XX/XX/2022 ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$1000.00}
Product: Debt collection

The telecom company XXXX could not provide services agreed by contract ( and could not fix them ) on for 22 months and on top of it, made errors in billing that their financial division was unable to correct. So far, we have spent about XXXX hours trying to get fixed by them and trying to get help to make them do it. We have been customers of XXXX for XXXX years. The triggering point of these problems was when we moved to a nearby unit starting ( XX/XX/XXXX ). 

We worked with all levels of their company including simplest customer service phone number, technical teams, multiple people from the facade they call Office of the President ( OTP ) ( starting XX/XX/XXXX ) and even to one of their CEOs at the end before we decided we are not going to go through this anymore. We went through constant harassment of many kinds including disruption of service and finally ( force ) terminated service on XX/XX/XXXX as we refused to pay what XXXX claimed as we owe them. 
They will send email saying they are going to disrupt service with opportunity to send if we dispute any charge they claim as owed to some address ( probably their internal collection service address in Florida ) and that they will respond by getting verification, they did not respond a single of the XXXX times we wrote. They reported our account as collection in XX/XX/XXXX affecting my credit significantly. 

XXXX did not send any notice or opportunity to dispute prior to sending it to collection and reporting to credit bureaus in XXXX, XXXX, and we came to know of it through email from the credit reporting agencies. When we tried to handle ( remove the notation, because that is an incorrect information ) directly through the credit reporting agencies ( TransUnion and XXXX ) XXXX these agencies respond that XXXX says we owe them and not correct and not remove it. 

Subsequently well after the 30 days typically CFPB stipulates by when the consumer has to be informed, another company XXXX sent a notice of collection dated XX/XX/XXXX on behalf of XXXX that we received on XX/XX/XXXX and had a date of XX/XX/XXXX to file a dispute with XXXX. I called XXXX on XX/XX/XXXX ( as their online system once we did not pick the few options available and picked other did not let us submit and gave a message to call ) and provided the facts, they summarized the facts and said that given the facts that throughout we have been experiencing poor and often unusable services we should not be owing any balance though I did mention lot more of the errors and problems we faced ). Further, during that call I also found that XXXX is an arm of XXXX as they answered and mentioned several times, including thanking at the end to call and give them the facts, as XXXX XXXX 

I talked to one of CFPB team members and they suggested that I should name the financial companies in this complaint. 
More details in enclosures.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/PPC  Is on my credit report and has a 30 day late penalty. I have never seen this account on my credit report ever! I have look at my last 10 credit reports for the last 3 years and this was not up there. I havent applied for any new credit cards or loans. The total balance is {$9000.00}
Product: Checking or savings account

My mortgage from XXXX to XXXX on the XXXX of month. XXXX sends me notification XXXX XXXX California and levies charges. 
When I complained to XXXX, I was told that thats what it is. This also happens with my XXXX XXXX XXXX. 
I think these institutions should use California time because even though I make a deposit before banks close at XXXX they tell me they use XXXX. 
I think XXXX XXXX  should demand.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/2021 off my report with monetary relief for damaging my score and getting denied opening bank account
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : 1 XXXX 2 XXXX XXXX XXXXXXXX, MD XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

12. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

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

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

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

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

Please eliminate these inquiries. I have no knowledge of this, and the company proceeded without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXXXXXX XXXX XXXX  account # XXXX, has Violated my rights. 

XXXX XXXX XXXX # XXXX, has Violated my rights. 

XXXX # XXXX, has Violated my rights. 

XXXX XXXX XXXX # XXXX, has Violated my rights. 

XXXX XXXX # XXXX, has Violated my rights. 

XXXX XXXX XXXXXXXX XXXX # XXXX, has Violated my rights. 

XXXX Bank XXXX XXXX # XXXX, has Violated my rights. 


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

15 U.S.C 1681 section 604 A. 2 : It also states a consumer reporting agency can not furnish account without my written Instructions.
Product: Checking or savings account

Originally, I filed a complaint ( XXXX ) against Chase Bank on XX/XX/XXXX in response to the manner and method they used to close a checking account I opened in one of their branches! As a customer, I thought it was rather odd to close an account which had been open only a few days and without giving me a reason or chance to defend myself! 

XX/XX/XXXX, Chase Executive office replied to my complaint with a letter and sending me a copy of the, Deposit Account Agreement Privacy Notice, which was given when I opened this account. They went on to elaborate and say, " We are not required to give you a reason for our decision to close the account '' Moreover, they also pointed out, " Our decision to close your account will not change '' In my defense, I never said, they were " required '' to give a reason! Naturally, I requested a reason because I wanted to know what I did wrong so I could correct the problem. Additionally, I never said my account should n't have been closed nor did I asked for it to be reopened! 

Truthfully when I submitted my complaint, I was thinking an independent objective outside source would consider the facts from both parties then render a decision
Product: Debt collection

A woman who called herself XXXX XXXX ( not sure if that 's spelled correctly ) left a voicemail on my employers phone stating that she was with Weltman and Weinburg. She also said my name and stated that I should not listen to this message with anyone around as the information in the message contained personal and private information. Then she proceeded to say that she was with a debt collector and this was an attempt to collect a debt. Anyone in my agency could 've heard that message. It was not private. My privacy rights were violated.
Product: Debt collection

On approx date of XX/XX/2021, I mailed a letter certified to Midland Credit Management requesting validation of an alleged debt. The company received the letter on XX/XX/2021 at XXXX XXXX per usps tracking. I was seeking validation of this alleged debt of {$380.00} however, I never received any response from them. I allowed this company over 4 months to respond and they never did. On XX/XX/2021, I followed up with them on this alleged debt seeking answers. They received the letter on XX/XX/2021 per usps tracking. On XX/XX/2021, as dated on the response, Midland claim to have done an investigation to determine that this was indeed my debt therefore, they would not delete it. I have no contract nor have I done any business with this company that is reporting a collection on my consumer report. Midland has not and can not provide me with any adequate proof that this alleged debt is mine.
Product: Mortgage

My mortgage company is refusing to close an escrow account that is not required by the loan agreement. 

After speaking with them by telephone three times and submitting a request on their website requesting clarification and documentation as to why my request to close my escrow account was denied, Caliber has provided no proof that an escrow account is required for my loan. In summary, in a letter dated XX/XX/XXXX, Caliber denied my request to close my escrow account due to the reason " Your loan has lender placed insurance or an outstanding lapse of insurance coverage. '' My loan does not have lender placed insurance ( although it previously had ) and has never had a lapse in coverage. Caliber agents advised by telephone that, despite the denial letter 's reference to the current status of the loan, the denial is based on XXXX XXXX 's requirement that any loan that has EVER had lender placed insurance or a lapse in coverage have an escrow account. This directly contradicts the reason given in the denial letter. When I asked the Caliber agents to provide written documentation of guidelines used to deny my request and which supports their contention regarding XXXX XXXX requirements, they were both unable to so, directing me instead to do my own research on the XXXX XXXX website. When I made a written request via Caliber 's website for clarification and documentation, I received only a one-line response ( " Our records indicate due to a lapse in insurance coverage in XX/XX/XXXX there was a lender place insurance policy opened for your property. Due to this having occurred your request to remove the escrow account was denied due to the lender requirements. " ). This response failed to provide an explanation for the discrepancy with respect to the denial letter or proof of lender requirements.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXXXXXX XXXX XXXX ACCT # XXXX 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: Checking or savings account

First national bank purchased my accounts from XXXX XXXX XXXXXXXX in 2015 without my knowledge and transferred my XXXX accounts ( which at XXXX were non fee based ) into fee based accounts of which the balance didn't meet the minimum threshold to avoid fees. They then subsequently drafted the accounts down to nothing and closed them for insufficient funds. When contacted, they offered to move my miniscule remaining funds into non-fee based accounts. ( If that was an option, why weren't they transferred into those accounts to begin with? ) Regardless, they refused to make me whole and reimburse me for the funds stolen. In light of the news about the B of A finding and the trouble that XXXX has gone through with a very similar situation. I would like the CFPB to begin diligent investigation into FNB and realize they've stolen my money for no services rendered. I, not once, deposited, withdrew, or utilized any of their services. They simply transferred my money in, placed it in nonequivalent accounts, debited without my knowledge, and then closed my accounts, effectively stealing from me ... .all " legally '' of course. I reached out to many individuals giving them the ability to make it right, all, of course, falling on deaf ears. They acknowledge that they took the money in accordance with their fee schedules... .fee schedules that I never acknowledged or understood until it was too late... .I 'm still shocked this has been condoned by the company rather than apologies issues and restitutions paid... .simply stunning.
Product: Mortgage

On XX/XX/2023 we started the process to remove PMI on our account. We sent an email to PHH Mortgage requesting this and received a letter in the mail on XX/XX/2023 from them which states the requirements for PMI cancellation. The first stated requirements were to make a principal payment of {$88000.00} or request a property valuation which would need to be {$940000.00} and achieve a Loan to Value of XXXX XXXX. We decided to request a property valuation and mailed a check in the amount of {$190.00} for the valuation fee. On XX/XX/2023 an appraisal was completed on our property. The appraisal amount came in at {$980000.00}. This amount is {$38000.00} more than the required amount of {$940000.00} needed to cancel the PMI. We received a PMI denial letter on XX/XX/2023 stating that the BPO/Appraisal ordered does not support the property value necessary to meet a XXXX XXXX  Loan to Value ( LTV ) . These parameters do not reflect what the required appraisal amount needed to be or the listed requirements on their website. We called PHH mortgage on the week of XX/XX/2023 to express our concerns and raise these issues. We were told this would be escalated to their PMI removal committee. On XX/XX/2023 we received a denial phone call.
Product: Credit card or prepaid card

My name is XXXX XXXX, this morning a lady left a voice mail stating I used her credit card and please do not use her credit info. I never talked to this lady who called from ( XXXX  ) XXXX. Someone yesterday XX/XX/XXXX, tried to debit {$2000.00} from my bank account. Today I get a voice message from a unknown lady seems they must live somewhere in Pennsylvania, Who are these people?
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 fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their depute 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 l seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. For account # XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, was a victim of identity theft, and my FTC identity Theft Report is attached. This notice and compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. I have never approved or given my written authorization to any 3rd party affiliate CRA to share my information with the following firms ; please be advised that without consent, identity theft occurs, and I have a right to privacy : XXXX XXXX Dept. of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX
Product: Debt collection

I have never been contacted by the company claiming the debt and I have never requested or contracted any services from them. I saw them on my Credit report and they have never attempted to contact me and will not respond to my demands for proof of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed from all three credit bureaus immediately.