23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have disputed the following item with the credit bureaus and creditor and have not received proper verification or validation to show this account belongs to me and that they are reporting accurately within guidelines of the FCRA, FCBA and FACTA.
Product: Mortgage

Im on loan modification for 1 year now, they stopped taking auto pay out I call monthly to pay so it isnt late. I believe they want to take my property. This month they report to credit bureau my balance went from XXXX to XXXX but my mortgage is paid on time no late fees. How would balance go up when I also pay additional XXXX XXXX monthly just towards principle
Product: Debt collection

We moved into XXXX XXXXXXXX at XXXX XXXX XXXX in XX/XX/XXXX. It became evident that there was mold in the plumbing including the toilets and HVAC. At first the leasing XXXX agreed to let us move after we paid to have the property inspected and found dangerous mold particles in the air. Through several emails at the end of XXXX, the leasing XXXX advised we could move out whenever was convient for us and they would refund our {$250.00} admin fee and the {$500.00} deposit once we moved. The leasing XXXX, after we had secured a new place to live, stated that before we leave we needed to sign a " XXXX XXXX '' that was not mentioned in the email stating we could move. This agreement released the company from any liability and restricted us from speaking about the property 's mold issues. We refused to sign that since there was never a mention of it and if it had been presented before would not have agreed and would have proceeded to have the health department inspect the home. We proceeded to move out XX/XX/XXXX since that had already been agreed to in emails. 
Around XX/XX/XXXX, we received a collection notice for {$3100.00} from XXXX XXXX XXXX. I inquired what the collection was for and they advised it was for Early Termination. They reported to all 3 credit reports. We should not have been charged anything since we were told we could leave and that we would receive a refund. The charge minus the {$500.00} deposit we paid is equal to 2 months rent. However, the Early Termination Fee stated in the lease is only 1 month which would be {$1800.00} minus the {$500.00} deposit. We would only be charged {$1300.00} if the fee were even valid. I have disputed the charges showing proof of the emails and lease and only XXXX XXXX XXXX XXXX has removed the information.
Product: Debt collection

XXXX is XXXX XXXX XXXX XXXX that tried to double dip with XXXX XXXX by issuing XXXX bills in the same amount. I spoke to them several times regarding Insurance and " NO PATIENT RESPONSABILITY '' and several months later I find collection attempts listed on my credit reports from TRANSWORLD SYSTEMS INC Collections in the amount of {$970.00} directly affecting my Credit Reports and Score. I call again and find that the accounts were recalled and deleted by the XXXX and the information removed in their systems. The recall did not reach TRANSWORLD SYSTEMS INC Collections and negitive information was placed on my credit report BEFORE the information was verified ( PRIOR TO RUINING MY NAME ). This is proof that this collections agentcy failed to validate a debt and is in violation of the FDCA. Validation is done before listing it on the XXXX credit reporting sites. This directly affected my interest rates and caused a denial of credit. My name has been smeared by TRANSWORLD SYS INC since they acted first and ask questions after the fact. If TRANSWORLD SYSTEMS had followed federal law the information would never have appeared on my credit reports. I want all ALL negitive information for ANY accounts removed from my credit reports since they do not validate debts before the ruin lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XX/XX/XXXX to make a payment on my car loan. I always pay the day I make the call. Their automated system messed up and didnt process my loan until XX/XX/XXXX, which put it 30 days past due. Instead of admitting to their mistake, which is simply proven by listening to the recording, they reported false information to the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fifth Third Bank is claiming I had a credit card that I never had. I'm XXXX. They are ruining my credit. I have repeatedly disputed it and they keep " verifying '' it. Furthermore, I called them to opt-out all the way in accordance with privacy laws and they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX continue to report a collection/chargeoff on the CITICARDS partial account number XXXX. ( Please see page attached from my credit report. ) This account has been transferred and therefore can no longer continue to show on my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and this line item needs to be removed. This false reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

I received a letter from IC Systems in XX/XX/XXXX. The letter is dated XX/XX/XXXX. The letter stated that I owed {$59.00} with an account number to XXXX. I was a current customer with XXXX  at the time. I called the agency and they stated they received the account 5 days ago and that is was from equipment from XXXX. I told them that there was a mistake that all equipment from me moving was returned. I then called XXXX and asked them why they did not reach out to me regarding a balance when I am still a customer, I receive a bill to my current address, and transferred services when I moved. XXXX  advised me that they mailed a bill to my old address by mistake. I informed them that I returned the equipment. A representative stated that she would research it and give me a call. I never received a call and called to follow up on the research. I received a notification that the collection agency reported the {$59.00} on my credit on XX/XX/XXXX. I disputed this with XXXX. XXXX  never or the collection agency called me back to validate the debt or provide me an option after I disputed the debt to make a payment to avoid any reporting to my credit. XXXX  clearly admitted to making a mistake. If I am still a customer and had an up to date account why wouldn't they mail it to my address that I provided and still used? Why did they wait over 2 years to report to collections and why did no one ever return my phone calls to state they are still collecting. This was extremely unfair to the consumer that is blind sided by a debt not owed.
Product: Checking or savings account

XXXX XXXX, 2017 amount {$1900.00} I was basely robbed by PNC bank. I had an accounts one with my son, and another with my daughter when she attended college a few years pass. In searching for a job this year she was caught up in scam, which sent her a check in the amount of {$1900.00} and told her she had to send back portion of the check because, another person needed to purchase stuff need for the operation, which she did. The bank took the check and gave her credit for the money and added it to her account. The next day PNC took all the money out of her account and the money from my son account but, her name were not on his account.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX of XXXX. It is also being reported on my report that the last payment was XX/XX/XXXX but the account was in good standing through XX/XX/XXXX. This account was also being updated and reporting as a charge off from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as if the account was still open and reporting inaccurately with EQUIFAX which is also inaccurate and a violation According to XXXX XXXX XXXX XXXX, XXXX, EQUIFAX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX EQUIFAX Account XXXX : XXXX XXXX Account Number : XXXX XXXX  Account name : XXXX Account Number : XXXX
Product: Debt collection

Please review my report. I noticed the creditors are not cooperating with my requests I need to remove these inaccurate items on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two labeled unpaid accounts affecting my credit score though I have already paid for them. Those two, XXXX XXXX and Amazon and sync/Amazon, are really affecting my score whereby hindering me from getting my VA loan benefit. I would like you to consider the possibility of helping clear those anomalies from my account. 

Thanks XXXX XXXX XXXX
Product: Debt collection

XX/XX/2013 My Mother-In-Law went to the doctor. She was XXXX yrs old at the time. She gave them her insurance. They were suppose to cover the whole bill. When we received the bill my wife spoke to them and said they needed to submit it to the insurance company as My mother in law was 100 % covered for this. I have Never spoken to this collection company. My Mother in law passed away 3.5 yrs ago. This collection company is attempting to damage my credit by putting it on as a recent non medical collection. They are misrepresenting the debt and who it belongs to. This needs to be removed from my credit report.
Product: Vehicle loan or lease

On XX/XX/XXXX vehicle was Repossessed with out a right to cure letter. XX/XX/XXXX spoke to a representative over the phone advises to pay online witch was a balance of {$1700.00} witch was what was showing ( screen shot was taken ). When looking at bank statement they charged {$2000.00} witch was not aurhorized. When calling back they said they dont know how it happend and dont want to credit back the difference.
Product: Checking or savings account

On XX/XX/XXXX I tried logging onto my mobile app for ally bank. An error message stating that " Sorry, our mobile app is not working right now. Please call us for further details. '' This happens multiple times a week unfortunately. When I call Ally bank when I have the time, they do not tell me why the mobile app is not working. They just tell me " no one has called today telling us the mobile app is not working. '' Even though there are several forums online and their reviews online stating that there mobile app is not reliable and not accessible. Sometimes it will say we " we are experiencing technical difficulties, please try again later. '' I
Product: Debt collection

Defendant : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXXXXXX, IL XXXX Ph : ( XXXX ) XXXX Website : XXXX XXXXXXXX XXXX XXXX XXXX, has wrongfully sent a bill for {$910.00} with my name on it to collections for debt that should be covered by my insurance. If he has waited beyond the service period of the insurance then thats not my concern. XXXX XXXX has to improve his back office billing. 

I found XXXX XXXX as a future XXXX XXXX while searching for XXXX  on the XXXX XXXX. He is a XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX XXXX, IL. Truthfully XXXX XXXX is a very good XXXX with excellent customer relations and bedside manners. I have no complaints about his medical practice. He's a great XXXX. 

However as a businessman I have reservations about his office operations. XXXX XXXX billing processes and procedures internally are all but efficient. My complaint is about a medical billing sent to collections. I had XXXX under my then wife and I now have XXXX under me. 

On my last visit with XXXX XXXX, he stated that his office person could not collect on my insurance. I thought this was odd considering that my previous XXXX and XXXX both were covered with a Copay that I have with the insurance company. So I thought no worries he will take care of it, besides why should I do his medical  billing? 

That was around XX/XX/2021 and now it is XX/XX/2021 and I see that XXXX XXXX has sent this balance to collections instead of dealing with the Insurance provider. I have seen ( XXXX ) XXXX since XXXX XXXX and their billing is just fine with my {$20.00} copay. XXXX XXXX has sent my bill for {$910.00} to XXXX XXXX XXXX a XXXX XXXX out of XXXX XXXX, PA. 

I want XXXX XXXX to take responsibility for this transaction and just because he has a medical practice or business service does not give him the right to generate a debt and charge it to the customer. Once the patient enters the office the payment arrangement is already made. Through the XXXX site the patient provides all their insurance information and it is reiterated once in the Docs office. 

XXXX XXXX did not have a secretary, office clerk or nurse in the office working with him and he was handling all the responsibilities. I saw the XXXX twice before he told me that I owe {$910.00}. I told him that couldnt be so because of the way I set my insurance up. He replied very defensive and said that his person has always done his billing. I replied that I dont believe that she is correct and he said she is and I said impossible and he said then I cant see you today. I said fine. 

I am not responsible for this debt at this time and should not be held liable for paying it. 

Best Regards,
Product: Checking or savings account

Few months back tried to open up a checking and savings at Wells Fargo bank. And at the last minute I had to cancel because they found an excuse by which they could refuse to make internal transfers For me. And it was something very specific to my situation. Too much automation My finances were a tailspin I couldnt get control I couldnt put out the money fire because of what XXXX bank did to me. And they prolonged it.
Product: Credit reporting

On XXXX XXXX 2016 i made a credit report for a mortage loan. In my credit history appear a XXXX verification twice XXXX on XXXX XXXX and the other appear on XXXX 2016. I never make a request for the mentionated company or any service for that company.
Product: Credit reporting or other personal consumer reports

Dispute of Fraudulent Account and inquiries on Credit Report I am writing to dispute a fraudulent account that appeared on my credit report. Upon reviewing my credit report, I discovered an account listed under my name that I did not authorize or open. The details of the fraudulent account are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX declined my application for financing the purchase of a new phone solely because I have another account with them. Earlier this year I purchased a XXXX phone using their promotional incentives Even though that account is many months ahead of current. I wish to file a complaint in that it precludes me from taking advantage of the offers otherwise available to XXXX customers including the trade in of my XXXX and the add-ons for the XXXX. 

Moreover, XXXX XXXX has been unresponsive in resolving this issue.
Product: Checking or savings account

Between the dates of XXXX unknown parties were able to access my Chase checking and savings accounts using a XXXX XXXX  XXXX Unknown at this time how they got access to my account. With that XXXXXXXX XXXX they made XXXX separate withdrawals ranging from $ XXXX {$3000.00} and took {$5700.00} from the checking account and {$10000.00} from the savings. On XX/XX/28 is when I found out about the fraudulent transactions and notified Chase. I terminated the debit card, changed username and password on digital accounts and let them know at this point that these transactions were fraudulent. I then filed a police report with the XXXX Police Department about the fraud. At the time I could only go based off of the information on my online account and it appeared that the transactions occurred in XXXX. With the help of a local branch it appears all of these withdrawals occurred in XXXX. Chase over the next month has denied reimbursement of the money taken on XXXX claims that they created about the transactions. They have stated that in their investigation that the transactions were consistent with my account activity. I have never been to XXXX, never used a XXXX XXXXXXXX XXXXt and in the last two years never taken more than {$200.00} from an ATM. They have also at times stated that they are not liable because my PIN was compromised which means I am in violation of the user agreement. I have had an active Chase account for over 10 years and have never had issues like this in the past. It is frustrating to prove my innocence when it should be the bank 's job to complete a thorough investigation and this appears to keep getting swept under the rug.
Product: Credit reporting or other personal consumer reports

I am not liable with this debt with XXXX XXXX XXXX I do not have the contract with XXXX XXXX XXXX they did not provide me with the original contract as requested. 


I have provided Experian with what it need to remove it because it inaccurate information over the last XXXXXXXX XXXX and they refused to remove it from my credit report Desire resolution : I demand this account be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Derogatory account alert from XXXX  through XXXX on XXXX XXXX on XX/XX/XXXX regarding an outstanding payment for {$600.00} to Commonwealth Financial. Another alert was received from XXXX  regarding same severely late payment Of {$600.00} and derogatory account again on XX/XX/XXXX. Credit rating has now dropped over 40 points from 780+. I have never had any accounts, interactions or dealings with this company, Commonwealth Financial Systems, and therefore have no outstanding or late payments. Have not received a single alert or notification from Commonwealth Financial Systems itself regarding any derogatory account prior to reporting it as such to XXXX  as I have no accounts or monetary dealings with this company. Fraudulent activity reported to XXXX  and disputed on XX/XX/XXXX. Credit alert placed on credit report through XXXX  at this time. Numerous consumers have reported these same fraudulent experiences with this company Commonwealth Financial Systems.
Product: Prepaid card

I got a gift card from my family : XXXX vanilla prepaid gift cards each card {$150.00} amount. Total {$300.00}. I tried to use both cards on groceries stores, purchase online and it's been declined everytime. After going to the vanilla card website, i discovered both cards had a balance of XXXX XXXX. The cards had both been used at target a few days after they were purchased, which was before I had even received them as gifts. After doing some research I found out that these type of cards are often susceptible to fraud, people will take a picture of the card and put it back in the package and wait for the card to be activated. Once it's activated the person will use it before the person who bought the card notices anything is wrong. There's no way to file a fraud claim on the Vanilla card website, they just tell you to take it up with the merchant where the card was used or it will give you an error message.
Product: Credit reporting or other personal consumer reports

XXXX evrthing seem good my cell phone my XXXX went beezerk and started acting funny didnt make much of it so I XXXX XXXX alone and it seemed to me I would have to nuy a anew XXXX XXXX XXXX  all my accounts my XXXX and other information was counterfitend and then use against my will here is the result of this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. 

I will provide proof of tracking # numbers sent certified mail XXXX XXXX XXXX equifax # XXXXXXXX XXXX XXXX XXXX along with the most recent credit report pulled highlighting all of the inaccurate accounts still reporting along with the previous credit report pulled prior requesting the bureaus to modify and or delete accounts that are not reporting accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

One of the three major credit bureaus is in my opinion overstepping their boundaries as it relates to what I believe is a conflict of interest. Experian is attempting to sell a product called " Credit Boost '' which I believe to be a conflict of interest as it relates to the Fair Credit Reporting Act. 

I am receiving solicitation emails daily from Experian and I see their commercials daily on television. They are attempting to do an end run around the act by enticing people with a potential higher credit score to get access to their utility payment history. Congress and the Fair Credit Reporting Act does not allow them to have access to this data as of yet. 

As an impartial credit reprting bureau I believe there is a conflict of interest where this bureau is offering to manipulate your credit score based on their products. It works the other way where they could  actually lower your score to make their product more enticing. 

I would like to see an immediate cease and desist and a public apology from Experian.
Product: Money transfer, virtual currency, or money service

I am writing to formally lodge a complaint regarding an unauthorized transaction on my Cash App account, which was charged without my consent and remains unresolved despite my immediate efforts to address the issue. My request for cancellation and a refund has been ignored, and I suspect fraudulent activity or scammers exploiting your platform, which raises serious concerns about your security measures and consumer protections. This mishandling appears to violate the Electronic Fund Transfer Act ( EFTA ), which mandates prompt investigation and resolution of unauthorized transactions, as well as the Fair Credit Billing Act ( FCBA ) and Federal Trade Commission ( FTC ) guidelines, both of which protect consumers from unauthorized charges and scams. Your failure to adequately safeguard users and resolve disputes may also violate state consumer protection laws, which prohibit deceptive practices and financial harm. I demand an immediate investigation into the unauthorized transaction, a full refund, and evidence of improved security measures to prevent future fraud. If this issue is not resolved within XXXX business days, I will escalate my complaint to the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and my State Attorney Generals Office for further legal and regulatory action. I expect a prompt and satisfactory resolution to this matter.