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

Equifax has two address on credit report of cities I have never lived. The address in question are XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information on my credit report that I believe to be fraudulent, as permitted under Section 605 ( b ) of the Fair Credit Reporting Act. List on the fraudulent accounts are attached on my FTC REPORT ***PLEASE READE FTC REPORT IN DETAIL****
Product: Prepaid card

There was an Equifax data breach settlement and they sent out prepaid XXXX  to the affected parties. I received a card but am unable to use it anywhere, it has been declined by every merchant who tried running the card through.
Product: Mortgage

I have paid my mortgage and not been late, until Amerihome Changed my servicer from XXXX to Amerihome Then I could not make my payment because I could not use my old account number.

After that my mortgage representatives would not complete any promises to call me back or complete any documents they would not verify them as received I completed all paper work for my Modification but they closed it and resent more Papers another Modification package. They also took money from my escrow account and double paid my Home Owner Policy to 2 different Insurance Companies.

I need Help as soon as possible.
Product: Debt collection

I went to a puppy shop bought a XXXX  XXXX and was told everything was ok with the dog I advise after the vet came to my home from there shop the dog was acting funny and it wouldn't eat and was basically laying around not full of energy. So I took the dog to the vet they advise they would need to do a serious of test that would cost me over a {$1000.00}. 
I than went the animal care and control to have the puppy look at and they gave a shot of antibiotic to see if that would help I than paid for blood work for {$280.00} the vet advise I should take o dog back I call them while there and they said you only have 2 days to return the dog. That is not a enough time to see if a puppy would get sick and die. After the puppy was found laying outside of the cage with light breathing I was force to take him to XXXX XXXX for cremations me and my XXXX old daughter was devastated from all this with a puppy that was apart our family. I than began getting phone calls from a gentleman about making payments I advise I never got a call back from this puppy place and now you want me to pay with a 30 % interest rate maybe more so I told him if he send something writing to accept {$1000.00} I would pay it and be done never herd from again. One evening starting getting calls from this guy again when I told him in writing cease all calls he went to calling from different numbers saying I'm calling them which was false I want to make complaint and investigation on this company as well as the 3 Credit bureaus for not given me proof to validate this date with a contract and payments that were paid into this account and why are the credit bureaus still reporting late payment when the account is charge off. See below for amount and date open. 

Complaint against XXXX and XXXX and Duvera Billing services , LLC 413 Your Easy Pay Finance Statement is Available XXXX via XXXX Mon, XX/XX/2017, XXXX XXXX Accont Number.. 
Merchant Name.XXXX XXXX Payment Amount : {$240.00} Payment Date : XX/XX/2017 Date of First Payment : XX/XX/2017 Monthly Payment Amount : {$240.00} Term : 24 {$4800.00} Total Charge off Date open XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report from XXXX. XXXX XXXX XXXX is showing inaccurate information for timeshare maintenance fees. There is no account number on the report and the amount owed is questionable. Upon my research, I also found out that the creditor must report both positive and negative information. This report clearly does not.
Product: Debt collection

Regions Bank granted a {$500.00} line of credit loan to me in which I defaulted on. In XXXX XXXX, {$79.00} was withdrawn from my checking account without my authorization to be applied to the balance owed. XXXX XXXX, XXXX, {$150.00} was taken from the checking account again without my authorization and the line of credit was showing active but I was not allowed to withdraw any money from it. This amount caused an overdraft in the account and the my car insurance premium was cancelled for non payment due to the unauthorized amount coming out of the account, attempts to reach the debt collector was futile XXXX XXXX. XXXX {$130.00} was taken out of the account without authorization, XXXX {$100.00}, was taken out without authorization, and XXXX XXXX, XXXX XXXX was taken out of the account without authorization. I called the debt collector XXXX XXXX, XXXX and spoke with an agent to question why I have paid {$670.00} on a debt of {$500.00} and can not see the activity history to explain to me why I am paying more than what 's owed if the account is closed. The agent stated that technically the account is not closed and to use a different word to describe the status of the account. His explanation of the status is that it is still active, I just do n't have access to withdraw any funds from it and it still shows active with a {$500.00} credit limit with no available balance and I still owe {$220.00}. I asked him for what, he stated for late fees and interest. I asked him why I was prevented from seeing the payment activity history online when viewing the account, I had to use the checking account statements to see the amounts taken out of the account but no statements from the debt collector to show the payment history neither in writing nor online. When I accessed the online checking account and clicked on the account for the line of credit, it only shows the amount owed, does not show an activity history. The agent advised me to pay the {$220.00} to clear the account and I stated to him that he has not sufficiently explained to me why I still owe anything as they have not sent me a statement. There has been no statement to show how they 've determined that I owed XXXX, that amount never showed on the online line of credit account, just the {$500.00} credit limit and balances once the debt collector withdrew the money out of the account without my authorization.
Product: Credit reporting or other personal consumer reports

The following items continue to be reported on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX : {$780.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance XXXX {$880.00} ; XXXX XXXX Balance : {$800.00} XXXX XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are in violation of my consumer rights by reporting fraudulent inquiries/address on my credit report. Below are the fraudulent inquiries and address that are being finished on my credit file : 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 XXXXInquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage on my home at XXXX XXXX XXXX XXXX XXXX CA. In XX/XX/XXXX, it was sold to XXXX XXXX. 57 times in a row, I sent payment on time or early. Since then, I have repeatedly asked the company for monthly statements but got none. I also asked for a welcome packet but got none. I received no written correspondence EVER from this company ... until XX/XX/XXXX when I received a letter indicating my payment had not been received. I checked and got proof I sent it early as I always had. XXXX XXXX says they changed the box number where I 'm supposed to send the check and since I 'm late they reported it to the credit agencies. My credit score - a vital part of my business as a XXXX XXXX XXXX with four other mortgages all of which are far greater than this one - dropped 140 points. XXXX XXXX says it had to tell the " truth '' but wo n't admit they never sent the letters. In fact, today, one month after the letter indicating I was late, the bank has still not produced copies of the letters it alleged were sent. The credit agencies say that if XXXX XXXX wo n't admit it made an error, I 'm stuck with their decision to damage my credit I have proof my payment was sent on time. They do not care. They have no proof they sent any letter much less 4 and the idea that I would ignore 4 letters but respond within 20 minutes of getting one indicating payment is plain nutty. All communication with XXXX XXXX returns to same : they sent 4 letters and as such I 'm late and too bad. There has been no action taken by the bank to ensure smoother communication. They have n't sent a statement nor copies of the letter. XXXX in executive office promised action in 5 days. That was three weeks ago. It does not seem fair that this bank gets to damage my credit and that there is no way to appeal this foolish, short sighted decision as it will now cost XXXX XXXX thousands of dollars in interest when I transfer this mortgage to another company as I can not take the chance that this bank do same again as it will send no material in mail. All the communication regarding their phantom letters has been on the phone!
Product: Credit reporting

When I brought up my credit score, as a service from XXXX XXXX, it continues to say '' serious delinquency ''. I called them and they said they get their information fromExperian. I have asked you guys for MONTHS to help me with this and you have done NOTHING. I have responded to endless letters, forms, I have called ... do I need to get my legislator involved? NO ONE WILL TELL ME WHAT THE SERIOUS DELINQUENCY IS WITH MY CREDIT SCORE. I am not in serious delinquency on anything yet it continues to show up!! What in the hell is it? Why wo n't you help me? Do I need to get an attorney?
Product: Debt collection

They keep calling me at work even though they have been told multiple times not to. They should know because of the type of business I ca n't receive calls. I also have no debts they could be collecting on. I 'm not going to verify my social security number or birthdate with some random person who calls me. 

First call : XX/XX/2016 XXXX Expressed my displeasure in them calling me at work. They asked me to confirm last 4 of SSN. I refused. They told me I could give them birthdate instead. I said no, I do n't know who you are. I 've never heard from your company. They would n't tell me anything about what they were collecting until I confirmed info. XXXX XXXX Unknown date. XX/XX/2016. " XXXX '' left VM on office phone. XXXX ( my boss ) called back and said " I do n't want my voice recorded. Do n't call here again. '' XX/XX/2016 XXXX Called about " personal business matter ''. Spoke to XXXX. He told them I am not allowed personal calls at work. 

XX/XX/2016 XXXX Called again. XXXX told them not to call here.
Product: Student loan

I qualify for the save plan and have applied for the save plan on XX/XX/XXXXXXXX XXXX XXXX my student loan servicer has refused to put me on the plan and keeps re enrolling me into the incorrect IBR. I have called them 10 times and spoke to so many people to resolve the matter and they keep saying I need to wait.

I have called this company 10 times and spoke to so many agents and they have lodged notes in my account as well about my phone calls and frustration and the lack of action taken by the servicer. They have lied to me on numerous occasions about the status of my enrollment into the save plan and no one can provide me with a reason as to why It has taken so long.
Product: Credit reporting or other personal consumer reports

i received a response from the credit bureaus saying that the next items will be deleted but they still show on my report. 
this items are effecting me in applying for new credit. please delete them as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was discharged through XXXX XXXX bankruptcy on XX/XX/XXXX. The bankruptcy reference number XXXX was filed on XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX shows XXXX  XXXX wage earner status for XXXX and transunion which is also incorrect. I have contacted XXXX XXXX XXXX  about changing the incorrect information nothing has been changed after 30days and after dispute through XXXX no changes have been made. XXXX XXXX XXXX is fraudulently showing a balance of {$2500.00} on my XXXX credit report even after receiving bankruptcy discharge statement and will not change the information. Please remove the account in question.
Product: Credit card

I received a notification from credit reporting services that a Citi bna credit card was opened in my name and that {$95.00} was owing on it. I never applied for the card. I contacted Citi bna by phone on XX/XX/2024, and asked them to investigate this matter, since I thought that someone opened an account in my name. I told them that I did not open this account. They said that they would investigate. I have heard nothing from them. The confirmation number for my report is : # XXXX. I would like to have the card closed, owe nothing on the card, and have my credit restored since opening the card adversely affected my credit rating. 

I have reason to believe that Citi opened the card unlawfully in my name. I searched my email and their is no email from Citi. A confirmation would likely have been sent to me if the card had been opened. I suspect that Citi is unlawfully opening accounts. Otherwise, why no confirming email? 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE BANK USA with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
Product: Money transfer, virtual currency, or money service

I sent {$990.00} to a family member since XX/XX/2023, money never deposited to the account. I contacted moneygram around XXXX, I received all kinds of reason/excuse ( because some does not make any sense ) why family member did receive the money, when contacted them by phone. 

I did, at least XXXX time, send a written message requesting a refund, still I am not getting any clear answer from company nor getting my money back it has been almost 3 months. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to equifax, XXXX, and XXXX  regarding my concerns about all the information on my credit report that is inconsistent and not 100 % accurate in compliance with the fair credit reporting act. The following accounts above have inconsistencies that need to be deleted immediately. In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX date of last activity is inconsistent.XXXX XXXX  XXXX. Date reported not consistent. XXXX  XXXX date last active is incorrect please remove. XXXX XXXX XXXX XXXXXXXX high balance inconsistent. Remove. XXXX XXXX XXXX XXXX. The account numbers are not consistent. XXXX XXXX date of last activity the dates are not same on all reports.XXXX XXXX XXXX balance owed is different on all the reports. XXXX XXXX XXXX. High balance is inconsistent. XXXX XXXX XXXXXXXX high balance is different. XXXX XXXX XXXX date reported is not accurate. XXXX XXXX hight is not accurate on all reports.XXXX XXXX XXXX date reported is inconsistent. XXXX XXXX XXXX high balance is inconsistent. XXXX XXXX XXXX high balance is inconsistentXXXX XXXX XXXXXXXX XXXX XXXX last verified dates are inconsistent. XXXX self-reported XXXX date reported the dates are inconsistent. XXXX XXXX XXXX XXXX high balance is not 100 accurate. XXXX XXXX XXXX high balance is inconsistenXXXX XXXX XXXX XXXX  date opened is not is wrong. XXXX  XXXX last verified is inconsistent. XXXX self-reported XXXX. Account number inconsistent. XXXX self-reported XXXX the account number is inconsistent on all reports. XXXX self XXXX high balance is inconsistent. XXXX XXXX XXXX account number is inconsistent. Hight balance is not accurate.XXXX XXXX XXXX  XXXX reference number is incorrect and other information is not correct and contacted the court and they dont report the credit agency. I did not give permission. XXXX XXXX bankruptcy closing date and other information on report is incorrect and inconsistent please delete. XXXX XXXX bankruptcy all information is inconsistent and not 100 percent accurate according to the fair credit reporting act. Please remove. 15 u.s.c 1681 section 602 a states I have the right to privacy.

15u.s.c 1681 section 604 a also states a consumer reporting agency can not furnish a account without my written consent. Please remove all inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, MO CHILD SUPPORT ENFORCEMENT SYSTEMS ***** XXXX, XXXX XXXX XXXX, XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer Reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to remove a bankruptcy from my credit report despite providing official proof that it is inaccurate. I obtained documentation from XXXX, which is a primary source of bankruptcy data for credit bureaus, confirming that they have removed the bankruptcy from my consumer file. I also provided a letter from the bankruptcy court, which states that they do not report bankruptcies to Experian or any credit bureau. 

Despite submitting both documents to Experian as part of a formal dispute, they have refused to remove the bankruptcy from my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, Experian is legally required to report only accurate information and conduct a reasonable investigation when a consumer disputes incorrect data. 

By continuing to report an incorrect bankruptcy, Experian is violating federal law and harming my creditworthiness.
Product: Checking or savings account

I Completed the Citi Priority client offer that Citi Bank sent me for XXXX XXXX XXXX Aadvantage miles ( offer # XXXX ) - called Citibank and confirmed with Citibank rep all offer requirements met 4 mos ago and still Citibank has not credited my XXXX XXXX Frequent Flyer acct # XXXX the XXXX XXXX XXXX Aadvantage miles I earned. Citi bank rep even opened an investigation case 2 weeks ago : case # XXXX XXXX BUT still no response from Citi Bank on this. 
After looking online there have been many complaints about Citi Bnak not honoring their offer to clients that met offer requirements. Here is website with more complaints about Citibank unethical practices on this and other clients reporting this to CFPB : XXXX : XXXX Please take action with Citi Bank on this now to credit the XXXX XXXX  XXXX XXXX   Aadvantage miles I earned on their offer to me - as they are committing fraud offer and unethical business practices on this. 
Thank you
Product: Credit reporting or other personal consumer reports

Trans union locked my credit report more thank once with out my consent it was embarrassing and a prestigious car dealership more than once.
Product: Credit card or prepaid card

I submitted a false and deceptive form ( APPLICATION NUMBER : XXXX ) in order to extend my credit to Navy Federal Credit Union and was denied my rights. Navy federal used my credit card and I didn't receive any benefit which is an unauthorized use according to the Truth in Lending Act. This act constitutes a criminal and civil liability. Navy federal sent a denial letter stating factors which led to a denial and they should know that those factors ARE NOT DECIDING FACTORS. You can not deny me of my rights.
Product: Credit reporting

I never established accounts or know anything about the following XXXX creditors listed on my credit report XXXX XXXX reported by Equifax, XXXX XXXX XXXX reported by XXXX, XXXX XXXX reported by XXXX
Product: Credit reporting or other personal consumer reports

This Person ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.
Product: Debt collection

I don't know this company and they keep contacting I didn't know anything about it. They try to collect XXXX $ i dont remembered doing any business with this company the name of CAINE & WEINER