23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX it may concern, I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty frustrating to be honest, but I know that mistakes happen. I trust you'll fix the situation. 
Here 's the wrong info : 1.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
2.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
7.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
8.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
9.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
10.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
11.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
12.This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Please remove it from my credit report. 
I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here. 
Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 
I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.
Product: Debt collection

I 'm am receiving phone calls from Intergrated Services trying to collect a debt that my son owes, I explained to the person that he was calling my cell phone number and that I was n't the person he was trying to contact, he asked if I knew the person and I told him yes but we have n't spoken in about two years and that I did n't have any contact with my son, After the third phone call I requested that they no longer contact me about a debt that I did n't owe, His reply was that since I would n't give him any contact information I just became " XXXX XXXX and that I could pay my sons debt or continue receiving the phone calls '', I requested to speak to a supervisor and was told that " if you want to speak to a supervisor then I suggest you get out your credit card and start making payments '', I told him i considered this to be harassment and to stop calling me, his response was that " We ignore the word harassment '' He then asked " if my son was a XXXX and then asked why I did n't just tell everyone that he was '',
Product: Checking or savings account

For several years TD Bank has refused to let me run my own account. They are deliberately over drafting me. My money is being automatically withdrawn. They are picking and choosing what they want to pay. They are refusing to pay my rent, electricity, and car insurance. They repeatedly refuse to stop pulling automatic payments out. For example, XXXX, XXXX XXXX I repeatedly asked for automatic payments to not go out. XXXX XXXX, an employee at the TD Bank at XXXX XXXX Rte XXXX, XXXX, NJ XXXX, lied to me about the bank holding my deposits, and erasing my deposits. An employee at the bank told me he was lying about the fact that the bank can hold my money for 6 days for bank fraud when my money was coming from the state government and federal government. XXXX XXXX, a TD Bank Corporate employee made sure that they were holding on to things like purchases at XXXX and other businesses, and putting them in all at one time to make sure I don't have any money. They know I want to legally pursue this, and have been sabotaging my funds so that I can't get a lawyer. They are actively trying to close the account to hide the evidence.
Product: Debt collection

Yorkshire Acquisitions Group has been leaving threatening voicemails, making false claims, and calling me, my family, and my employer at an excessive rate. Side note, they have XXXX separate addresses ; XXXX was given to me in a settlement letter and the XXXX was given to obtain my credit report. The XXXX address is a XXXX. The XXXX appears to be an empty office space. The original debtor does not have record of the debt and neither do I. This place claimed to have sent summons to my employer, but encouraged me to not obtain it and just directly settle with them. They were willing to settle for an amount they verified as an amount I had on a recently opened credit card, but demanded it in 24 hours. They spoke to my husband and said they 'd see us in court before hanging up on him. They implied I 'd lose my home and stated my address, but continually said they were taking documents to my employer. Today they 've called me 4 times today already, called my employer twice, my husband once, and my parents once. They requested information from my credit report as well. I 'm terrified these people wo n't stop harassing me or attempting to steal my identity.
Product: Vehicle loan or lease

I had a car loan with Ally bank. My loan was paid off by  XXXX  in relation to closing of a home loan. The payoff amount was more than my balance and now Ally Bank claims not to show any overpayment on my account. And they say that if there is an overpayment, they can hold it for 18 days before refunding me the amount. this is outrageous.     I paid of  XXXX  other loans with VA  XXXX   XXXX  and I was refunded the overpayments immediately.     Ally still wo n't admit there was an overpayment on my account and I have no idea when I will see my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Across all three credit reporting agencies all my info is different not matching I m requesting that they put the right information down ( 15usc 16181 ( b ) a2 as they suppose to All match. Also the addresses I disputed still on there and charge offs this is absurd
Product: Credit reporting, credit repair services, or other personal consumer reports

Can you clarify that your company complies with the Gramm Leach Bliley Act?
Product: Debt collection

Consumer Collection Management, Inc. | XXXX. XXXX  XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX toll free : XXXX | XXXX Trying to collect more then owned to original debtor Acc # XXXX Original {$1400.00} They trying to collect {$1800.00} My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Phone : ( XXXX ) XXXX Send me to collection after they offered to increase my monthly payment from {$150.00} to more right after I got unemployed furloughed due to Covid -19 .And they sold me to collection for {$400.00} more Shameful
Product: Vehicle loan or lease

In addition to my complaint on file XXXX, the town has responded via email. XXXX XXXX from the XXXX tax collector : " Good Morning XXXX, Per your request after our telephone conversation today, I am attaching all documents concerning the tax abatement and refund to the above tax account XXXX. 

This refund request will be submitted at the XX/XX/XXXX monthly City Council Meeting where it is most certainly will be approved. This will produce a physical refund check that will be mailed to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

The check should be mailed out of our office approximately the last week of XXXX or first week of XXXX. 

As you can imagine, XXXX is a tax collection month which keeps our office very busy and refunds of abatements and overpayment 's follow. 

If you have any questions, please feel free to contact me. " On numerous phone calls I was advised by XXXX XXXX that their abatement department would be reaching out to the town of XXXX but to this date they have not made any efforts. In addition, not sure if this matters but the vehicle was returned on XX/XX/XXXX which I have receipt of from the dealer. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law.. Please remove/block the following items as they are fraudulent & were opened without my consent or knowledge. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXXXXXX ....
Product: Credit reporting or other personal consumer reports

I have sent disputes for the last 3 months but have not received any updates or an investigation.
Product: Credit card or prepaid card

On XX/XX/2021 I was trying to complete a purchase online when CITI sent me a text alert that my card was frozen and I had to call their fraud department. On the first call the lady told me their system is down for maintenance and she can't unfreeze it which is ridiculous! How do you freeze a consumers card with no way to unfreeze it?! I asked to speak with a supervisor and she hung up on me! Called back in got another rude gentleman who did the same XXXX when I asked to speak with a supervisor, and tried to refuse to provide an employee ID # or reference for the phone call. Then instead of the supervisor taking the call she was just telling him what to say to call back at XXXX!!! For a card that charges an annual fee it's not worth the XXXX poor customer service. I will be canceling this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit agencies are reporting my home address as and XXXX XXXX.

They have my street number and name correct, the town and zip are correct but there is no XXXX XXXX.

They also list additional addresses which I've never lived at or paid and received bills for.

Despite repeated phone calls and letters refused to correct.
Product: Debt collection

Dispute of Nelnet Account # XXXX I am writing to formally dispute the accuracy of the information reported on my credit report concerning two accounts : Nelnet ( Account # XXXX ). Upon reviewing my credit report, I have identified several discrepancies and inaccuracies that I believe violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ).

Inaccuracies on My Credit Report : 1. Nelnet Account # XXXX * incorrect balance, dates, status of the account, payment history, etc Request for Resolution : In accordance with 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain accurate and up-to-date information. Under 15 U.S.C. 1681i ( a ), you are obligated to conduct a reasonable investigation into any disputed information and correct or remove any inaccuracies that can not be verified. 
Given that these accounts contain material inaccuracies, I request the following actions be taken immediately : * A full investigation into the inaccuracies I have outlined above. 
* Removal or correction of the inaccuracies from my credit report if they can not be verified. 
* A written response confirming that the discrepancies have been corrected, or if not, a detailed explanation of the findings of your investigation. 
Legal Considerations : Please be advised that if these inaccuracies are not rectified promptly, I will pursue legal remedies, including seeking monetary damages for the harm caused by the incorrect information under the FCRA. The law provides that I am entitled to damages for any willful or negligent violations, including but not limited to statutory damages, actual damages, and attorneys fees, should the inaccuracies not be corrected in accordance with the requirements of the FCRA. 
I trust that you will take the necessary steps to ensure that my credit report is updated to accurately reflect the true status of these accounts. I expect to receive a resolution within the 30-day time frame as stipulated under the FCRA. 
Thank you for your prompt attention to this matter. If you require any additional information or documentation from me to support my dispute, please do not hesitate to contact me.
Product: Prepaid card

I make multiple purchases with this merchant. There was an issue with 3 of my purchases. which is over {$350.00} in charges that are not being addressed with urgency. 

!. A card was created and cashed for an orde that was cancelled. The system error has caused the money to be held and the merchant can not assist. 
: XXXX XXXX XXXX XXXX {$140.00} 2. ORDER WENT MISSING PRIOR TO DELIVERY, REPORTED TO MERCHANT, 2 DAYS LATER DRIVER REPORTED AS DELIVERED WITHOUT FACE TO FACE DELIVERY SECURITY CODE BEING GIVEN : XXXX XXXX XXXX  XXXX {$70.00} 3. ORDER WENT MISSING 2 DAYS AGOAND CANCELLATION WAS REQUESTED : XXXX XXXX XXXX XXXX {$100.00} This is {$320.00} in charges and XXXX doen not have a system in place to address multiple purchases. I tried to contact customer service and never got through to anyone even though my call was in cue for over 30minutes and the chat option only responds to the questions it forces you to ask. the wait time said 10 minutes
Product: Credit reporting or other personal consumer reports

So far today XX/XX/2024, I have tried to unfreeze my account on line, but was locked out. The system doesn't recognize my SS #. 

I have made 6 telephone calls. For the first 5 calls, I have been locked in a loop in the automated system and then THEY HUNG UP ON ME.

On the last ( 6th call ) I finally reached a human being and she had a strong accent and was difficult to understand. She asked for my phone number in case I was disconnected.

I told her I need to temporary unfreeze my account and she hung up. She never called back.

I have applied for a credit card and am unable to get one because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX used an old Synchrony bank Furniture account for value city. What type out the call in XXXX of 2020 that they were delivering furniture her I called immediately I told value city about it in a told synchrony bank about it in one she failed to start paying it in XXXX and XXXX when I might credit report they told me they had removed me. When I saw on the credit report I disputed immediately but they only took off XXXX they never took off a XXXX it hurts my credit report for something that head I had nothing to do with thank you
Product: Debt collection

Will not stop harassing me I started getting harassed by RS Clark And Associates before I even received a bill from XXXX XXXX. I called the doctor 's office and asked for an ITEMIZED bill several times, and they would n't comply. I told RS Clark that I DO NOT engage with or deal with collection agencies, and to not EVER contact me again! Since then, they have contacted my by telephone THREE times, and by mail ONE more time. This is harassment! I finally received what I was asking from XXXX XXXX 's office, and will be dealing directly with him. Once again, by law, when you tell a collection agency to stop contacting you, they must comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Having a difficult time disputing an account that I opened as a young adult at JPMCB CARD SERVICES ( Chase ). 

I opened the account XX/XX/XXXX. The account was closed/charged off XX/XX/XXXX. 
Balance {$3300.00}. 

Since then, I've been working hard to increase my credit score and be more financially responsible. I'm proud to state that I don't have any sustainable debt on file. I am hoping to get this removed so I can continue working on repairing my credit, it's been well over 7 years since the account was marked as charged off.
Product: Debt collection

Some one stole my Identity theft and opened an account from XXXX XXXX of Georgia. This is the second collection agent trying to collect this debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported late payment on my credit card for the amount of XXXX XXXX as it appears on my credit history. This has greatly damaged my credit score. I have contacted XXXX XXXX to clarify what it means to have a late payment of XXXX ( XXXX ) dollar. 
In response they told me the information is correct and that I had a late payment for XX/XX/2020. 

I've check my statements and I see that I have made payments as following XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$24.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$90.00} In XX/XX/2020 I made above the required amount, so I could not have a late payment, yet my credit history as of today show 1 missed payment in XX/XX/2020 for the credit card ending XXXX for the amount of XXXX dollar. 
I have never had any missed payment in my life and this one miss payment ruined my perfect credit history. 

This makes no sense, how can one miss a payment of XXXX dollar.
Product: Debt collection

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortionXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, BERLIN WHEELER INC XXXX Date opened XX/XX/2021 Balance : {$190.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$480.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX -- {$750.00} XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$1700.00} XXXX XXXX XXXX XX/XX/XXXX -- {$5000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

XXXX in California XX/XX/23 {$230.00} was taken fraudulently from a debit charge that wasnt authorized by me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to precent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

On XXXX/XXXX/15 I requested 1st Financial Investment Fund provide validation for {$100.00} debt being reported to credit bureaus. As of XXXX/XXXX/15 I have not received any response in relation to my request.
Product: Debt collection

Account name : XXXX  Account number : XXXX Account type : Credit card Responsibility : Individual Date opened : XX/XX/XXXX Status : Closed. {$280.00} written off. 
Status updated : XX/XX/XXXX Balance : {$0.00} Balance updated : XX/XX/XXXX Recent payment : XXXX XXXX Monthly payment : {$0.00} Credit limit : {$750.00} Highest balance : {$340.00} I need used the XXXXXXXX XXXX Credit Card. They renewed my membership with the card without my permission. Once I called the Credit Card Company, They reverse the charge but not the late fees. I never used the cards so have can they charge me ANYTHING. They reverse the charge but never reversed the late fees which i totally disagree with, So they sold the charge to a debt collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE USE MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian XXXX. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

I never received one bill saying that I owed {$50.00} to this medical office I've been trying to repair my credit and I look on my credit and see that I owe this bill which messed up my credit all up that I was trying to repair.. I get this on my credit report without even a notice in the mail or a phone call for years later which I don't understand why the medical office quit and call me or send me a letter itself saying that I only owed {$50.00} because that would be paid for years ago and now my credit is going to be messed up
Product: Debt collection

I have sent several verification letters and called this company regarding this matter and I have not received any correspondence from them but they are still reporting the information as accurate on my report.