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

I disputed this with the company XXXX many of times and A FEW DAYS AGO with XXXX. XXXX 'S response is they " don't have an account number ''. It's listed on my report, ( ALL 3 CREDIT AGENCIES ) as ACCOUNT NUMBER XXXX with a {$3800.00} BALANCE. I've been reaching out to all three credit agencies and the collection agency since XX/XX/year> asking for 30day verification of this debt else removal. I asked them to provide me with the following information : 1. The amount of the debt : A detailed breakdown of the amount you claim I owe, including interest, fees, and any other charges. 2. Proof that the debt is mine : Documentation showing that I am legally obligated to pay this debt and the original creditors name. 3. Evidence that the agency has the right to collect this debt : Please provide proof that you are authorized to collect on behalf of the original creditor or that they have purchased the debt. 4. Details of the original transaction : A copy of the original contract or agreement showing my signature, and any supporting documentation to substantiate the claim. I filed a previous claims with XXXX at the FTC. My wallet was stolen in XX/XX/year> and a few years prior as well.
Product: Credit card

I have requested a limit increase for my home depot account with Citibank several times. I have been denied a limit increase every time requested. One of the reasons given was too much usage recently on the account. When did using a card frequently become a reason for not granting a limit increase? I'm even getting card recommendations for the home depot card based on credit rating. I have never been late or missed a single payment since account opening. Seems like discrimination is happening here for unknown reasons.
Product: Credit card

Denied me for a credit card with perfect credit score and history. Happened same thing with XXXX XXXX for years. Found out it was because I was XXXX after cfpb sued and won the lawsuit against XXXX for discrimination against XXXX for the last names ending in XXXX or XXXX. I believe same thing is happening here. I never get rejected for any credit cards. They sent me a letter saying we believe you would use this card for FRAUD.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

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

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXXXXXX XXXX XXXXXXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) Balance : {$310.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$540.00}
Product: Debt collection

Phone calls 4-5 times a day. 
From : XXXX to XXXX 2017 Amount for XXXX Discover Bank I have notified Discover Card on XXXX XXXX2017 to stop harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1682 Section 602 : stated I have the right to privacy.

15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency cant furnish an account without my written instructions.

15 USC 1666B : A Creditor May Not Treat A Payment On Credit Card Account Under An Open End Consumer Plan as Late For Purposes.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and am disputing all fraudulent accounts, inquiries, and transactions on my credit report. I did not authorize or open these accounts, and they are negatively impacting my credit. I am requesting the immediate removal of all fraudulent items. Please update my credit file accordingly and confirm once the corrections are made. Thank you.
Product: Debt collection

I 've continued to explain that this debt has been written off from XXXX XXXX XXXX back in 2008, and not to call me at everyday as this is harassment and to communicate everything through letters to me. I contact my attorney who said to contact the FTC and file a complain as he can only stop them if it 's through my cell phone. Spoke to XXXX XXXX on around XXXX and informed her to stop calling and to send all communications through the mail. Spoke to XXXX XXXX to continue all communications through and to stop calling me on the phone and to send through the mail from Portfolio Recovery Associates at XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX violated my rights In accordance with the Fair Credit Reporting Act, under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. XXXX has also violated the California Consumer Privacy Act ( CCPA ) by violating my right to delete, my right to opt out, and my right to limit. I provided XXXX XXXXwo ( 2 ) notices exercising my rights under FCRA, FDCPA, and CCPA and they continue to recklessly and negligently violate my rights. XXXX also has also violated my rights to privacy under the XXXX  privacy act by sharing my personal information with the credit reporting agencies ; namely, XXXX and TransUnion. XXXX has also committed securities fraud by using my personal information and the note attached to the installment agreement, as receivables to put into their trust and continue to make profit by continuously trading those notes on the primary and secondary markets. This is all according to their own company 's XXXX prospectus. However, XXXX failed to remit the equitable interest to me as a silent investor and bonafide purchaser into their company. They also fraudulently filed a UCC-1 in Placer County , in the state of California without proper notices being sent to me according to California law and their own contract and installment agreement. Lastly, I sent to XXXX a properly indorsed and endorsed note, giving it value, for XXXX to satisfy any outstanding financial obligations but remit to me the equity to which I am claiming all rights, titles, and interests and revoking the same from XXXX. XXXX is also in violation of 15 USC 1692g ( a ) as they have not communicated any debt owed in writing.
Product: Credit card

We bought chairs from XXXX XXXX over the phone because their online system wasnt working, which was communicated at the onset of the transaction in text. The chairs arrived scratched up and wobbling, but because the invoice reflects an in store purchase since it was completed over the phone, they claim we forfeit the right to a refund. 

We want to return them because they are plastic and not full wood as they describe on their website and their policy is that once its delivered we can not return them if bought in store but WE DID NOT buy in store. We attempted to buy online which then allows for a 3 day return window. 

Again, we did not buy them at the store, I tried to buy it online, but the site did not have an option to use the financing card I have with them so I had to give my card over the phone to the sales associate. I bought the chairs from my couch, so I was physically not at the store. 

In addition to this issue, I communicated to them that their delivery window no longer worked for my work schedule and they said it wouldnt be an issue, I would have 24 hours to file a complaint should there be any issues with the products received. Well, there were multiple issues and now they are claiming the accepted delivery forfeits my right to a refund, I can only exchange it for a product of equal or greater value. In short, I can not return these chairs and Im stuck with a shoddy product. 

By this logic I could walk into a XXXX XXXX, see a dresser I like, buy it online, but since I saw it in the store once prior to the online purchase, I dont qualify for the online return policy so I would be stuck with it if I had it delivered and accepted it. 

This is unacceptable obviously, we dont want a bad product and their refusal to help and the slimy ways theyre trying to get out of helping us is insulting. We provided screenshot evidence of the system not working and us communicating with a sales rep via text about the issue only to have that conveniently untraceable even though we provided it via a XXXX XXXX customer support chat. Weve reached out through the text chat and through phone calls multiple times. Weve asked to escalate the issue and are promised a call back from a manager only to not have the manager reach out. They are also claiming were 3 days into our delivery when in fact were only 2 days in. Every step of the way is them trying to get out of helping us.
Product: Money transfer, virtual currency, or money service

Robinhood locked my account when I tried to purchase XXXX crypto. This was around XX/XX/year>. After submitting the required documents they have not unlocked my account. They are also making it impossible to connect a bank account so that I may withdraw my funds. After reviewing the documents they have asked me to resubmit them 3 times. The information never changes and they refuse to let me access my funds. This seems like a scam by robinhood to keep funds tied into their accounts so they can keep floating funds to earn interest based income without actually improving their service. They ask you to submit a request for a call back in the app but there is not way to do so. And when you speak with someone in customer support they never unlock the account saying they need more time. Who needs 3 months to review XXXX documents?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and I noticed new accounts on my credit report. 
I have sent in a Federal Trade Commission Report to have the items removed direct to the credit reporting agency and they are still have not removed it from my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$3700.00}, Pref lease Account # XXXX date opened XX/XX/XXXX bal. {$2300.00}, XXXX XXXX XXXX XXXX Account # XXXX XXXX opened XX/XX/XXXX bal. {$1200.00}, XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$330.00}, XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX, XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$0.00} Inquiries : XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN DISPUTING INCORRECT LATE PAYMENTS ON MY CREDIT REPORTS FOR MONTHS NOW AND TO NO AVAIL THEY REMAIN IN ERROR. XXXX, XXXX, AND EXPERIAN FAILED TO PROPERLY DO AN INVESTIGATION TO HAVE THESE ERRONEOUS BILLING ERRORS CORRECTED. THE FIRST ACCOUNT IS REPORTING THAT I WAS 30 DAYS LATE FOR XXXX WHICH IS FALSE BECAUSE MY PAYMENT WAS DUE FOR XXXX ON THE XXXX OF XXXX I MADE MY PAYMENT ON XX/XX/XXXX IN THE AMOUNT OF {$400.00} WHICH MEANS THAT I WAS ONLY 3 DAYS LATE AND NOT XXXX DAYS LATE FOR THE MONTH OF XXXX. THE NAME AND ACCOUNT NUMBER ARE : XXXX XXXX XXXX XXXXXXXX. I WANT THIS ACCOUNT TO BE UPDATED FOR THE MONTH OF XXXX XXXX DUE TO AN ERRONEOUS BILLING ERROR. THE SECOND ACCOUNT THAT IS REPORTING INACCURATELY IS XXXX XXXX XXXX. THIS ACCOUNT IS REPORTING THAT I WAS 30 DAYS LATE FOR XXXX XXXX MY PAYMENT FOR THIS ACCOUNT IS DUE EVERY MONTH ON THE XXXX AND I PAID ON THE XXXX OF XX/XX/ WHICH IS ONLY XXXX DAYS PAST DUE ( NOT 30 DAYS ). THIS IS ALSO AN ERRONEOUS BILLING ERROR AND NEEDS TO BE CORRECTED TO PAID ON TIME. BOTH ACCOUNTS BEING REPORTED ARE A VIOLATION OF 12 CFR 1026.13. I HAVE ATTACHED PROOF FOR YOUR REVIEW.
Product: Credit card

I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started an investigation to dispute inquiries on my Equifax Credit Report. They initially sent me a confirmation email stated they started the investigation. Two days later, they deleted ALL of my inquiries ( which was exactly what I was expecting ). However, the next day, I called them because they also deleted over 30 of my paid accounts in good standing. The representative told me he would fix the problem and would add all of my accounts back on my report. The following day, I woke up to ALL the inquiries being reinserted back on my report. 

Its been 5 days and they have NOT notified me that they reinserted those inquiries back on my credit file and the reason behind it. If they had just removed ALL of the inquiries, why then AFTER I called because they made a mistake and removed positive accounts, did they reinsert the inquiries??? 

Per the FCRA 611 section B ii- the credit bureau must notify me within 5 days of a reinsertion of an inquiry to my credit report. They did not. I am submitting the proof of email, all deleted inquiries and reinserted inquiries, in addition to the FCRA guidelines.
Product: Mortgage

I had my loan servicer changed apparently which I discovered when my payment was returned. My old company very nicely helped me get the new company information which I input into my online XXXX XXXX billpay. 
That payment was sent out and recieved successfully several months. 
Then my XX/XX/XXXX payment was rejected by PHH Mortage and returned to XXXX XXXX creating a late payment and fees and so forth. My repeated calls to PHH resulted in being treated like a liar and an XXXX when i clearly had proof of successful payments and a rejection by PHH of my payment through XXXX XXXX. 
Now PHH refuses to work with me and has assessed fees of various kinds and i am sure has dinged my credit. 
I do not want to work with this company and feel they are a terrible company. 
I did not consent to have my loan servicer changed and want my old one back! 
I cant be looking forward to 30 years of this TERRIBLE customer service and deceptive practices. 
https : //www.phhmortgage.com
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days  XXXX , 30 days  XXXX ,  XXXX , 60 days  XXXX ,  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this inaccurate bankruptcy & items associated with bankruptcy since XXXX of 2020, and after each dispute the 3 credit bureaus, XXXX, XXXX, & Equifax stated that the information was verified and obtained accurate information from a third party vendor XXXX and that I should contact the vendor directly. I have contacted XXXX who sent me a response stating they are unable to locate a file sufficiently matching the data that the bureaus, XXXX, XXXX, & Equifax are reporting on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the provisions of FCRA 611 ( a ) ( 1 ), the bureaus are required to have conducted a reinvestigation of my dispute which was filed XXXX XXXX, and to have concluded that reinvestigation within 30 days of your date of receipt of my dispute. To date, I have received no response from all 3 bureaus.

Under the provisions of FCRA 611 ( a ) ( 6 ) ( A ), the bureaus are required to have provided me written notice of the results of the reinvestigation within 5 business days of the completion of your reinvestigation. To date, I have received no notice of results of the reinvestigation. Since the statutory periods have expired, I consider all 3 bureaus to be in violation of the cited sections of the FCRA. 

Please be advised there are not exceptions listed, when faced with extreme weather or health pandemics. If the bureaus are given exceptions on breaking the law, they need to go to congress and have the law changed.
Product: Credit reporting or other personal consumer reports

I check my credit report today and it says I have a account open with JPMCB - CARD SERVICE XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) XXXX I have never had a credit card with XXXX limit from them and it says it was open in XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Disputing Information in Credit Report Hi I have been a victim of identity theft I resubmitting my paper as a plead for help, I have not had a car note in 10 plus years I have had one fraudulent car note remove already before that was not mine. This alloy bank has been a nightmare I have told them someone has stolen my identity and got a car not they have been making the payments with a fraudulent business bank account to cover there tracks I have attached a police report with the names of the bank accounts from XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THIS fraudulent account. i have also reported the car and loan to the police. with those reports attached to XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1990
Product: Prepaid card

I received an unsolicited debit card in the mail on XX/XX/year>. I didn't open the mail until XX/XX/year>. It was a XXXXXXXX XXXX XXXX for a Cash App account, which was issued by XXXXXXXX XXXX 

I was immediately concerned because I have never used Cash App and found several accounts online of fraudulent Cash App debit cards being issued. I first contacted XXXX at their XXXX phone number, XXXX. After following the prompts and entering the debit card number, the XXXX phone system automatically transferred my call to XXXXXXXX XXXX  The XXXXXXXX XXXX  automated system stated that all inquiries for a Cash App debit card had to be handled by calling XXXX, which is the contact number on the back of the debit card. 

I called XXXX on XX/XX/year> at XXXXXXXX XXXX XXXX  and spoke to a Cash App representative named XXXX. I explained the situation to XXXX and requested to have the account deleted or closed and to receive confirmation of such. XXXX stated that the only way I could do this was by providing him my email address and that he would send me an email with a link which I could use to submit photos of the front and back of the card to have his security team look into it. 

I stated that I was reluctant to provide any more information, such as my email, and that I did not trust using a link to go about this. When I asked why I couldn't just provide the information from the front and back of the card over the phone, XXXX stated that, while the security team could receive phone calls, that this didn't rise to that level of importance since they receive so many calls about this situation. That comment really concerned me. 

After repeatedly refusing to have the account closed or transferring my call to someone who could, unless I gave him my email, XXXX eventually agreed to look up the Cash App account using the username on the front of the card. He confirmed that the Cash App account was started XXXX days prior but said that there wasn't a debit card requested. I told him that one was obviously requested since I had the debit card. He then said he could look up the card using the last XXXX digits of the card number, but could not give me any more information. 

XXXX was not helpful and said that I didn't need to worry since this Cash App account was suspended and that the card wasn't activated. I told him I wanted to confirm that the account was not only suspended but permanently closed, and that I wanted to ensure that the card could never be activated. He said I would just have to create a Cash App account to request that. After XXXX repeatedly thwarting all my attempts to have the situation resolved, I thanked him and ended the call.