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

XXXX XXXX XXXXXXXX {$2900.00} - Date Opened - XX/XX/XXXX ) ( XXXX - Amount {$36000.00} Account Open XX/XX/XXXX ) ( XXXX XXXX - Account # XXXX - Date Opened XX/XX/XXXX Amount- {$70000.00} ) I XXXX XXXX am a victim of Identity Theft. I have experienced tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told " sorry '', we can not help you. I filed a police report this year on ( XX/XX/XXXX ) ( report XXXX XXXX ) with XXXX Police Department. I've also mailed in certified letters to XXXX. I received nothing. Im also sure my information was leaked due to the information breach with XXXX. I was instructed to go to XXXX. I was prompted to enter my last name and the last six digits of my social security number, at that point I saw that my information was compromised due to XXXX security breach. The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. I've faxed all XXXX bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter Consumer XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Crossing # XXXX, XXXX, IN XXXX. He notice several instances where XXXX are in non-compliance with the FCRA. I'm a victim but yet I'm treated as if I'm nothing. The following accounts are : XXXX XXXX XXXX  XXXX {$2900.00} - Date Opened - XX/XX/XXXX ) ( XXXX - Amount {$36000.00} Account Open XX/XX/XXXX ) ( XXXX XXXX - Account # XXXX - Date Opened XX/XX/XXXX Amount- {$70000.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute was initiated with Equifax in  XXXX / XXXX / 2017 . I received notification on  XXXX / XXXX / 2017  that the investigation had been completed. On  XXXX / XXXX / 2017  a weekly  XXXX   XXXX  update took place and it stated that  XXXX  derogatory marks were removed ( judgement & bankruptcy ) then it stated that a derogatory remark was added ( bankruptcy ). Per the notes it showed where Equifax had removed the bankruptcy that was previously disputed, but turned around and added it right back, which caused a negative impact on my credit score. I contacted Equifax on  XXXX / XXXX / 2017 , and was on the phone for over an hour with several different representatives and received no help and no resolution to my issue. I was continuously advised that their systems did not show where the bankruptcy was removed, and that they did not know how or why it was reporting as so on  XXXX   XXXX . At the end of the day the derogatory remark is still on my credit file and I have been penalized twice because when it initially hit my score went down then when they removed it and placed it back it received another hit.
Product: Debt collection

XXXX phone bill is past the 2 year time bar collection limit. XXXX charged my bill not correctly. It has not been in service since XXXX. Sold off to multiple collections after disputing amount owed and service did not work. Jefferson Capital Systems continues to reach out over my disputed phone bill that is not correct
Product: Checking or savings account

Wells Fargo overdraft fees over the many years I have been a customer of theirs
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX Experian XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX
Product: Credit card or prepaid card

Billed for XXXX XXXX {$160.00} because I booked a room with XXXX XXXX XXXX but there was no proper disclosures until upon arrival so the hotel canceled and returned the money to the 3rd party company XXXX 3rd party booking , so I filed a dispute with PayPal and instead of then returning my money, they erased the entire transaction and kept my money now they keep forwarding me to netspend and other companies. I was asked what the transaction ID was I only have the booking number to the room concerning the transaction that I did not stay in upon arrival. Now no one at paypal not even me knows what happened to my money.
Product: Debt collection

In a letter dated XXXX XXXX, XXXX, a Debt Collector by the name of NRA Group , LLC, stated that XXXX SCRIPTS, has indicated a delinquent debt of {$250.00} that is owed to them. EXPRESS SCRIPTS is the pharmacy provider for my employer 's private insurance provided through XXXX XXXX XXXX XXXX XXXX. The only phone number provided for XXXX XXXX was XXXX in which to make a payment. I contacted our XXXX XXXX XXXX XXXX XXXX XXXX, a service provided by my employer to assist with benefit resources. 

They were able to determine that the actual pharmacy involved was XXXX, a specialty pharmacy that is a subsidiary of XXXX SCRIPTS. XXXX was able to contact them and arranged a conference call with XXXX on XXXX/XXXX/XXXX. We spoke with XXXX of XXXX and asked for the date, medicine, and individual that this was prescribed for. XXXX indicated that this was a medicine that they had filled for my XXXX year old daughter, XXXX. 

I specifically told XXXX that we never were told by XXXX when they arranged the shipment to XXXX 's doctor that there would be a {$250.00} co-pay, they never sent us a bill, either XXXX nor XXXX SCRIPTS, and when asked, XXXX stated XXXX, you 're the primary insurance holder. '' I told her the debt was not mine and they should 've sent a bill. XXXX stated that it was probably sent to the doctor 's office. 

XXXX is supposed to send a bill but stated it XXXX take up to XXXX weeks before I will see it so that this can be submitted to my daughter 's secondary insurance ( which they never asked for XXXX. 

Complicating this issue is the fact that XXXX stated that this was for a Lupaneta XXXX, which was never prescribed by the doctor. In fact, XXXX attempted to send that out but we stated that it was never prescribed and contacted the doctor 's office to ensure that this had not been ordered by their office. The only medicine prescribed was a XXXX single pack.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized inquires on my credit report which I Did receive any lines of credit nor am I familiar with the companies. I have listed the dates and companies of the inquires below : Company : XXXX Date:XX/XX/XXXX : Company:XXXX XXXX XXXX Date:XX/XX/XXXXCompany : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX   XXXX  Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/2019 Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/2019 Company : XXXX  XXXX Date : XXXX Company : XXXX XXXX Date:XX/XX/XXXXCompany : XXXX XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXXThere are also different accounts on my credit report that I did not authorize. I have listed them below. 

Account # XXXX Amount : {$450.00} AccountXXXX Amount : {$430.00} Account : XXXX Amount : {$1900.00}
Product: Money transfer, virtual currency, or money service

I made a debit card transfer to Citibank on XX/XX/2022 at approximately XXXX pm cst. It did not inform me it would take 3 business days until the transfer was complete. I immediately contacted customer service via chat. The first representative first said 3 business days then changes his answer and said he already saw the money processing into my account and to give it several hours to show up. After an hour or so I got back on chat because the money still wasnt available. The second representative told me that he saw the money in the account and that it would be available within the next couple of hours. After another hour I chatted again. Rep number three said it was in the account and that my app just hadnt updated yet. I specifically asked if the money would be available before XXXX and was told Yes, XXXX. So I tried to use my debit card and it didnt go through. So I again got on chat. XXXX said that as he had previously stated the money was in the account. I told him it still wasnt available and he said it was. I told him I had tried to use the debit card and he said to call customer service. The first representative said the money would be available soon. She then put me on the phone with a supervisor who stated that because it was the weekend the funds would be available the next business day which would be Monday at opening hours. So I get up this morning and the money is still not available. I call customer service again and am told that the money wont be available for three business days. When I asked why five other people including a supervisor had told me differently and that I had been up all night waiting for the funds I was told that she could do nothing about this and I would have to wait it out. Im sorry but if you are told by four csrs and a supervisor that your money will be available your bank should have to hold to that. Any other financial institute I have dealt with is able to push a deposit through if the money is clearly in the account. Citibank refused to help me in any way even though I had been told wrong 5 times. This is unacceptable. If you have representatives working in your call center they should be properly trained. If you promote someone to supervisor they should definitely know what they are talking about. One rep giving misinformation I could see but 4 csrs and a supervisor!? I think not. I am now living with {$0.00} until my money, which is already in my account, is released. This was a direct transfer using a debit card. The money was with Citibank within seconds of my processing the transfer. This is poor business practice. This is also unethical when they can admittedly see the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all 3 bureaus after discovering some accounts that were not correct. I asked them to do an investigation and verify the information. I sent in a letter to XXXX, Equifax, and XXXX containing the accounts along with my verification of my identity a bill my id and my ss number card. The accounts came back verified, which is incorrect I never had any dealings with XXXX XXXX and the XXXX account was paid three years early in full, this is really affecting my credit score and it is inaccurate 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

XXXX XXXX is an account on my Equifax credit report. The account is closed, and paid off. Please remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

TransUnion has violated my rights under the FCRA. 

I have repeatedly reported incorrect information on the credit report regarding a closed account which TransUnion has consistently reported the closed account as opened. 

This misconduct for their financial gain has caused me great stress and loss of credit opportunities. 

TransUnion has claimed that they verified that XXXX XXXX XXXX account is currently opened as of XX/XX/XXXX. The account has been closed since XXXX. 

Please refer to the multiple complaints I have reported to CFPB regarding TransUnion irresponsibility in reporting outdated and incorrect information. The account is CLOSED. 

Thank you
Product: Debt collection

DYNAMIC RECOVERY SOLUTIONS ( DRS ) CONTACTED ME ABOUT AN EMERGENCY ROOM BILL THAT I DO NOT OWE. 

THEY SAY I OWE {$920.00} FROM AN ER VISIT IN 2014. I WAS AN XXXX XXXX IN THE XXXX AND ALL MEDICAL EXPENSES ARE PAID. 

THIS COMPANY IS A FRAUD AND IS HARASSING ME FOR A DEBT THAT I DON'T OWE. 

I RECIEVED A LETTER TODAY, XXXX XXXX, AND THE DRS REFERENCE NUMBER IS XXXX. 

DRS PHONE NUMBER IS XXXX. 

DRS IS WORKING WITH ANOTHER FRAUD AGENCY NAMED XXXX XXXX XXXX XXXX, XXXX. REFERNCE NUMBER : XXXX. PHONE NUMBER XXXX.
Product: Credit card or prepaid card

Every attempt to use any of my XXXX $ vanilla gift card visas is declined. 

Customer service agent says that every transaction requires manual authorization via a ~45 min phone call. 

I have made at least 10 attempts and none have processed, the customer help line offers different reasons and solutions but NONE has worked and I have never used the cards successfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX, GA XXXX and the other addressES that should be removed are XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX then we have XXXX XXXX XXXX XXXX XXXX, GA XXXX. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 verified, the consumer reporting agency shall ( XXXX  ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( XXXX  ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute the inaccuracies such as balance and account number, and dates reporting on my credit file with XXXX XXXX, Enhanced Recovery XXXX XXXX XXXX and XXXX. They have all failed to report accurate and complete information on my credit file after several disputes. I sent them a debt validation letter over 30 days ago with no response. Please help me investigate this matter, I am getting denied for a home loan because of this account and would like this matter resolved as soon as possible. I would like this account deleted while it is being properly investigated, as it has been approximately 90 days since the first and second dispute was submitted. They negligently and willfully violated the FCRA by failing to properly investigate the dispute or review the letters that were submitted. 

The case I have against them is that : The furnisher failed to conduct a proper investigation The furnisher failed to review all relevant information available and provided by me and the third party agencies and As a result I have suffered harm on my credit file and personal wellbeing. 

Thank you for your time.
Product: Debt collection

The debt collector repeatedly continues to contact me on my work phone at my work after I instructed them that my employer does not allow these types of phone calls to occur. I received another phone call today from XXXX while at work. She then threatened me by stating that since I had not sent a payment that the collection proceedings would need to continue. I have left repeated messages for the billing department at XXXX to set up a payment plan and no one has returned my call. XXXX called the main phone number today instead of my direct line like she used to do and spoke with our receptionist and was transferred to my phone, so I am unaware of how much she told the receptionist on if she was seeking to collect a debt. This is the third time I have asked them to stop calling my place of employment.
Product: Mortgage

This company lied to me about including my escrow in my mortgage despite verbal consent by the mortgage provider that I was not going to have the mortgage and property taxes included in escrow. When they said they were going to work on resolving the issue, instead they sold my mortgage to another bank with the escrow. Then XXXX said he would refinance me at no charge to remedy the situation, yet, after that, he stopped responding to any calls or attempts to communicate with him. This company is deceitful and misleading, and promises things that they do not hold up.
Product: Debt collection

Hello, I am writing to file a formal complaint regarding unauthorized charges and subsequent collection actions by XXXX XXXX and FirstCredit Service ( contact number : XXXX ). 

In XX/XX/2023 ( relocated ) I canceled my membership with XXXX XXXX, following their stated procedures. Despite this, XXXX XXXX renewed my membership without authorization and charged my account an amount of approximately {$73.00} to {$120.00}. 

Upon noticing the charge, I immediately contacted XXXX XXXX to rectify this matter. However, my calls went unreturned, and no action was taken to address my concerns. Consequently, I reported this charge as unauthorized to my bank, which marked it as potentially fraudulent. 

Shortly after, XXXX XXXX sent the charge to collections through FirstCredit Service. I attempted to resolve the matter by contacting FirstCredit Service, but my calls were automatically disconnected, and I was unable to reach any representative. This lack of response and transparency has left me with no other recourse but to escalate this matter to your office. 

This experience has caused undue stress and inconvenience. I am concerned about the potential impact this unauthorized charge may have on my credit, as well as the lack of response from both XXXX XXXX and FirstCredit Service.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter, facilitate the removal of this unauthorized charge from collections, and ensure that Crunch Fitness and FirstCredit Service adhere to lawful business and collection practices. Thank you for your attention to this ma
tter. I am hopeful for a timely resolution and am available for any further information you may require. 

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

I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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.