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

I am writing to file a complaint regarding unauthorized inquiries on my credit report. On XX/XX/XXXX, I submitted a complaint stating that I had unauthorized inquiries and demanded that they be removed immediately, citing a violation of my consumer rights under 15 USC 1681. However, I received a response without any proof of these inquiries being made by me, which is illegal. 

XXXX failure to act on this matter is also illegal. I have filed a complaint with the Office of the Comptroller of the Currency ( OCC ) and will proceed to small claims court to sue Equifax if I do not receive a remedy. Equifax has 15 days to respond and remove the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I expect immediate action to rectify this situation and the removal of these unauthorized inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company 's keep saying I'm apparently things the only place I applied was XXXX XXXX XXXXXXXX. The other i have no knowledge of
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my XXXX XXXX : XXXX XXXX {$0.00} XXXX {$3900.00} XXXX {$220.00} XXXX {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX : {$5700.00} XXXX XXXX XXXX : {$0.00}
Product: Vehicle loan or lease

Back on XXXX XXXX, XXXX I was informed by a mortgage lender that Flagship Credit was still showing a balance of {$10000.00} on a XXXX XXXX XXXX which was showing open on my credit report. I had surrendered the truck to them in XXXX and was informed to take my tags off which I did. On XXXX, XXXX I called Flagship Credit and I talked to a gentleman named XXXX ( which he never gave his last name ) about the truck loan. XXXX said that I have an unpaid balance of {$10000.00} but he could drop it down to {$7000.00} or as low as {$3500.00}. I asked how did you come up with those amounts. I asked if he could mail me proof of balance owed and to let me talk it over with my wife and I call him back. I later that day called back and spoke with another gentleman ( this never gave his first or last name ). He informed me that the loan would have to be paid off in 24 months at which he denied to except my {$50.00} a month payments. I then asked to speak back with XXXX and this gentleman said XXXX was at lunch but he would have him to call me back which he never has. I asked if he had my number and he replied its on the caller id. With no response I then emailed them on their website with this matter twice and still no response. I've since tried to access my account on XXXX XXXX which now says account is closed and log on is disabled.
Product: Debt collection

This is the 3rd time I am writing this, as it disappears as I click a link like the one below. 
Harris and Harris Ltd. calls every other day using a recorded message stating they are debt collectors. The 3rd week in XX/XX/XXXX I called them and asked why and how they collect using a recording. The woman became agitated and said that's what we're told to do. She said that she checked my phone number and I didn't owe any money. I asked if she was sure so she asked for my cell number. Immediately after I gave her my number she repeated that I didn't owe anything and was anxious to end the call. The calls stopped through the holidays, then resumed. For XX/XX/XXXX calls were received on the : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All other calls have deleted as they exceed the number of calls I ; m able to save on my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this company via XXXX because of an error on my report. The account is resolved but yet it is still reporte only to find The company is CLOSED and the agency XXXX will NOT release the error from my report. XXXX XXXX has confirm the amount as XXXX and should be removed however it is being being report by XXXX According to FCRA it is error and should be deleted from my report. They can verify the account because the business CLOSED and XXXX XXXX has not authorized the release because of the absence of receiving a response from a company whom is CLOSED for business confirmed via the XXXX. See below. ********************************************************************************************** RE : Complaint ID # XXXX Dear XXXX XXXX : Thank you for contacting XXXXXXXX XXXX XXXX serving the XXXX XXXX ( XXXX ) for assistance with resolving your dispute regarding XXXX XXXX XXXX XXXX. A copy of your correspondence was forwarded to the company ; however, XXXX was unsuccessful in reaching the company for a response due to one of the following reasons : The company has confirmed to be out of business The company is believed to be out of business The company can not be located At this time, XXXX regrets to inform you that we can be of no further assistance. If you wish to pursue this matter further, you may try contacting your local Attorney General 's office or the Bankruptcy Court. The company 's XXXX XXXX XXXX has been recently updated and is available online at XXXX, or by calling. XXXX appreciates that you took the time to contact us. Your experience with the company will be kept in XXXX files for three years as part of this company 's record. Regards, Your XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019 a criminal ( or group of criminals ) used my American Express Bluebird card number ( issued by American Express XXXX XXXX XXXX XXXX, XXXX ). These were 65 consecutive retail transactions done in the state of Missouri. I live and work in the state of Minnesota. 12 of the scams were done at different XXXX XXXX Stores around the XXXX XXXX, Missouri area. I've not been in that area for over 10 years nor have I ever shopped at a XXXX XXXX Store in my 55 years of life. I was told by the company when I called on XX/XX/XXXX that I had to wait until the 65 transactions settled. They all settled the next day XX/XX/2019. I then called back and issued a fraud report. I was told by the rude customer support person that I needed to complete their fraud form. I spent over an hour completing that form, detailing each of the 65 consecutive transactions. I told them I was shocked that their " fraud prevention system '' failed to flag this behavior and stop it before it gouged me for over {$8900.00}. I just received a very curt email from Amex today ( XXXX ) saying : " Hi XXXX XXXX, Recently you inquired about your charge ( s ) from your American Express Prepaid Card in the total amount of {$8900.00}. Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Therefore the transaction ( s ) is not eligible for credit to your Account. 

You have the right to review any documents we relied upon in making our determination. 

You may request this information by writing to us at the following address : Bluebird Customer Care XXXX. XXXX XXXX XXXX, GA XXXX Thanks, The Bluebird Team
Product: Credit reporting, credit repair services, or other personal consumer reports

The comments are inaccurate. This was NOT an " insurance or government claim '' and there's nothing even remotely true about that statement. This was in fact, PAID IN CASH XXXX of 2021. 

XXXX XXXX XXXXXXXX XXXX  Comments : Paid, was a collection account, insurance claim or government claim or was terminated for default
Product: Checking or savings account

I received " BASIC FORMATTED SECURE STATEMENT REPLY EMAIL TODAY ( XX/XX/XXXX ), TELLING ME THAT CITIBANK RECEIVED MY COMPLAINT { XXXX }, BUT " THERE WAS NO FURTHER INSTRUCTIONS / ACTIONS CAN I TAKE '' FROM MY DIRECT PHONE CALL ( XXXX ) TO CITIBANK XX/XX/2020. 

My problem with CITIBANK, is that I live in XXXX XXXX, TX and I am NOT CAPABLE OF not going to CITIBANK. I had to Mail-In a company check from XXXX XXXX XXXX when they closed my account ( {$740.00} - XX/XX/2020 ). [ through USPS ] I put in the SIGNED CHECK from XXXX  with my CITIBANK SAVINGS ACCOUNT NUMBER, ( WITH THE CHECK MADE OUT TO ME ), and " FOR DEPOSIT ONLY '', in a envelope that XXXX  provided me ; to THE MAIL-IN ADDRESS ASSOCIATED with TEXAS, [ Citibank, XXXX XXXX XXXX, XXXX XXXX, MO XXXX ] from the Citibank web-page Mail-In address. 

Since being a 1st time Citibank customer, I am UNABLE TO " ( COMMUNICATE CORRECTLY ) * WITH CITIBANK. ( either through Phone or Email ). 
On my CITI Accelerated Savings Account ( that I opened XX/XX/2020 ), I still got notified through automated phone service that I currently have {$0.00} balance as of XX/XX/2020. 


I COMPREHEND THAT CITIBANK KNOWS HOW TO CONTACT ME THROUGH MY EMAIL THAT I PROVIDED TO THEM WHEN I OPENED MY SAVINGS ACCOUNT IN XX/XX/2020, BECAUSE XX/XX/2020 ; I RECEIVED EMAIL FROM Citibank - Service XXXX, INFORMING ME THAT MY " APR '' ON CITI SAVINGS ACCOUNT DROPPED FROM 1.35 % TO 1.20 % .. 
I did access my Citi savings account from my apartment, approx 1 1/2 week ago and went to updated my Preferred Settings, so I just SELECTED EMAIL ME WHEN DEPOSIT HAS BEEN PROCESSED BY CITIBANK and CREDITED TO MY SAVINGS ACCOUNT. 

Since I just asked Post Office worker if I had correct postage on XX/XX/2020, to arriving correctly at Citibank, I DID NOT PAY MORE FOR CERTIFIED MAIL / RETURN RECEIPT. 
NOW, I don't " KNOW HOW I CAN RECOVER '' that check amount {$740.00}, that never arrived in my Citibank Savings Account., BECAUSE CITIBANK REFUSES " NOW '' TO HELP ME RESEARCH THIS PROBLEM and FIND OUT WHERE MY MONEY IS. 
( Customer Service just keeps on forwarding my calls to another representative, until the phone call hangs up from Citibank )
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

On XX/XX/XXXX my XXXX XXXX XXXX account was hit with a levy, initiated by a law firm that has aggressively sought to collect a credit card debt. The company, Tromberg , Morris & Poulin and its customer service agents demanded a lump sum in order to release the levy on my XXXX XXXX XXXX XXXX The company had previously looked into my XXXX account in XXXX to place a garnishment on my earnings. It has predatory practices to collect credit card debt. XXXX reviews of this law firm depict a law firm with predatory practices. 
My XXXXXXXX XXXX currently has a legal hold on a significant portion of the funds which are much larger than the actual amount of debt. 
These predatory practices must end once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a collection placed back on my credit report after being disputed last year and REMOVED. The collection was placed back on my report XXXX first. Now from I understand if a collection is removed and is being placed back on my reports I have to be notified by the credit bureaus. I was not notified of anything. XXXX  removed the account in XXXX and Experian and XXXX was removed in the summer of 2020. I have taken a nose dive in my scores because this account is inaccurately reporting. I called Experian and was told they never removed the account, its always been on my report. I sent the bureau all the report numbers that i received last year without that account in there. At this point I want everyone to follow the rules. The law is in placed for a reason.
Product: Checking or savings account

I have not received my work pay / direct deposit in the amount of {$1500.00}. It was to be deposited yesterday, XX/XX/year>. I have tried to call numerous times to report the issue, but when transferred, the call ends. I do not feel that my money is safe with this bank and will be changing banks, but need my deposit.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a formal notice through the Consumer Financial Protection Bureau ( CFPB ) regarding fraudulent accounts on my credit report. in complaint iD : ( XXXX ). According to 15 U.S.C. 1681c-2, your agency is required to block fraudulent information within four business days of receiving such notification. As of today, XX/XX/year>, more than four ( 4 ) business days have elapsed since my initial submission, yet this fraudulent information remains on my report. You have failed to comply, leaving this information on my report in violation of the Fair Credit Reporting Act ( FCRA ). This disregard for FCRA timelines constitutes willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o. Additionally, by failing to ensure the accuracy of my credit report, your agency has also violated 15 U.S.C. 1681 ( a ) ( 2 ), which mandates that consumer reporting agencies adopt procedures to assure maximum possible accuracy of the information they report. I have suffered significant harm as a result, including denial of credit, employment, and severe damage to my reputation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In light of these ongoing violations, I demand immediate deletion of these fraudulent accounts from my report and written confirmation of your compliance within 10 business days. I also reserve the right to pursue damages for the harm caused to my financial standing and reputation. Please be advised that if this matter is not resolved promptly, I will pursue legal action to enforce my rights under the FCRA.
Product: Mortgage

XX/XX/2022, I contacted XXXX XXXX about checking my credit report because I wanted to do some things. XXXX XXXX ran my credit and informed me that HSBC had reported that I was two payments behind and that I owe XXXX. I immediately contacted HSBC concerning the issue. The HSBC Representative pulled up my account and informed me that it might be due to errors. The HSBC Representative informed me to email The HSBC Research Dept about the errors. I emailed HSBC Research Dept and informed them of the errors on my credit report. I informed them that XXXX XXXX had reported that I was behind two mortgage payments and that I owe XXXX. I informed them that I was not two payments behind and the amount is incorrect. I owe way less than XXXX. HSBC never contacted me. XXXX XXXX contacted me and informed me that HSBC had made the correction. HSBC contacted me in the month of XXXX and stated that I was in default and cure letter.
Product: Vehicle loan or lease

The outstanding balance reported is inaccurate. BarnHall Financial Services states that I owe {$7700.00} on one document but on my credit report the balance is {$8700.00}. I request that you verify the balance with the original creditor, as discrepancies in the reported amount may adversely affect my creditworthiness. The reported date of repossession is inaccurate. The actual date of repossession was XX/XX/2022. I have attached supporting documentation, including repossession notices and correspondence from the lender, as evidence of the correct date.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has violated my privacy on multiple occasion by contacting third parties without my permission. They are in violation of 15 USC 1692e for using my name in vain and for false representation of my information without my permission. Inaccurate information must be corrected or deleted. A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. They are now trying to report a fraudulent address. 
Section 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). I HAVE NOT granted them access to report my information or discuss it with a third party yet they continue to do fraudulent and frivolous so called investigations. I am a victim of identity theft and CRAs are prohibited from reporting fraudulent information. 15 USC 1692F. 
They have been notified by certified mail : XXXX on XX/XX/XXXX and certified mail XXXX on XX/XX/XXXX. We are now prepared to take legal action if this is not resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank is reporting a late on my credit file that needs to be removed. I had my account on deferment for XXXX, XXXX, and XXXX. However, when I looked at my credit file I noticed that they reported me late for the month of XXXX in 2020. This is not my error, and it must be removed immediatley.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( 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 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX ) XXXX, XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Debt collection

I am receiving collection calls and letters from Medicredit , Inc regarding a debt that should not be owed. This is for account XXXX for XXXX XXXX XXXX XXXX. 

I am disputing this debt for the following reason. This was for the date of service of XX/XX/XXXX for XXXX XXXX who is my son and was a minor at the time. I did not receive a statement for this until XX/XX/XXXX which was over a year after the date of service. I believe it is Utah Admin. Code R612-300-7 that states, " The provider shall submit a bill for services with supporting documentation to the payor within XXXX year of the date of service. '' I believe these laws are put in place for the specific reason. My son was in and out of the hospital so I expected the hospital and doctors to send the invoices to my insurance to receive payment from them and then I would receive a statement for any amounts still owed. When that invoice doesn't come for a year, I assume my insurance paid the bill. Getting these surprise invoices is why there is law around this.
Product: Credit card

Synchrony Bank reported my Amazon.com retail card as 30-days delinquent to XXXX in XXXX 2013, even though the company has previously admitted fault via telephone that they may have made a mistake in sending the statement, which led to my missed payment. Synchrony has removed the delinquent mark on XXXX 's file, they should remove it on XXXX 's file as well.
Product: Credit reporting or other personal consumer reports

Equifax is reporting an incorrect and or false information that does not belong to me. The following inquiry on my credit file does not belong to me : XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have wellfargo cash wise card since XXXX, my card was damaged so I requested for replace my card in XX/XX/XXXX so I received new card in mail but I never activate this card till today. On dated XX/XX/XXXX I got a text msg from well Fargo fraud alert ( Verify Wells Fargo activity. Card XXXX {$110.00} @ XXXX XXXX # XXXX {$110.00} @ XXXX XXXX # XXXX Reply Y if recognized, or call XXXX. STOP to stop msgs ) .I called up wellfargo so the block this card and they said someone tried but transaction declined. I just want to investigate that how come my non active card use by other. How come this card data skimmed by fraud people.I have called up several time to their fraud department but not a favorable response.
Product: Credit card

I called XXXX XXXX on XX/XX/XXXX to confirm my payoff amount and to make sure my payment was received before the end of the billing cycle to avoid the interest charge. The CSR confirmed both questions but on XXXX, I was still charged {$56.00} in interest. I called again when I discovered this charge on XX/XX/XXXX. The CSR didn't have an answer, so I asked for a supervisor. The supervisor said I owed the interest charge from the previous month ( even though I'd paid it ). I asked why it wasn't included in the payoff amount, if I still owed it and she didn't have an answer other than sometimes there are discrepancies. I think they didn't post my payment in time and that's why I was charged {$56.00} despite my payoff of the balance ( {$2900.00} ). The supervisor refused to refund the interest charge.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX