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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files.

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : I never been This Hospital i Never get medical care from this hospital
Product: Credit card

I ordered flowers from XXXX XXXX for my aunt 's memorial. That company did n't deliver the flowers in hand to anyone. I gave them my uncle 's phone number so they could call him before delivery. He is XXXX so he may not the door bell if someone rings it.The person left the flowers by a door that was n't used by anyone and no one knew the flowers were outside in the the sun all day, from XXXX until XXXX when my cousin called to tell me they\\\\ they did n't received the flowers. I was terribly upset since it was the last thing I could do to honor my aunt and no one got the flowers for the memorial service. I called XXXX XXXX and told them I wanted a full refund. They offered half my money back right away but said if I wanted a full refund and they said they would have to pick the flowers up to get the full refund. I told them to pick the flowers up. 
This was back in XXXX when the weather was very hot. 
I told them I was n't paying for the flowers and called customer service with Macy 's American Express card and told them to put a stop payment on the flowers. The person I spoke with told me they would take care of it. The next month I called them when I saw they had paid full payment to XXXX XXXX for the flowers, they lied to me. Each month I called about my bill and they lied to me telling me it was taken care of while charging me interest on the unpaid amount for the flowers each month. I have been lied to so many times now that I ca n't trust this company anymore. They never should have made any payment to XXXX XXXX until the matter on the flowers was resolved. I am going tear up myc card and never use it again. I hope you can help me with this situation.
Product: Checking or savings account

1st Contact : Called Citibank IRA to initiate IRA rollover of {$3900.00} to another institution ( XXXX ) where my XXXX IRA is held. Initial contact was on XX/XX/XXXX. Documents emailed to me same day and filled out in order the begin the conversion process. Mailed out as directed- I was told to wait XXXX business days. Received no follow up on status. 

2nd Contact : I called back in the beginning of XX/XX/XXXX to follow up and was told that documents were missing, and I need to fill out and another form regarding a name change. Mailed docs to them as directed yet received no follow up on status. 

3rd Contact : Called back to follow up on XX/XX/XXXX - spoke with agent XXXX. She told me I need to fill out and send in these forms... again! via mail.

I'm being severely inconvenienced because it took almost XXXX months to simply initiate a basic rollover. This is the only organization I've had this problem with. It seems my simple request is being mismanaged or mishandled and they make it hard for customers to retrieve their funds. Their process is incredibly inefficient and inconveniences me as a customer. I should not have to jump through hoops continuously- on my dime- to get access to my retirement funds. They need to work on creating a more seamless customer centric process. Also, this organization should have better customer outreach and follow up for if they need additional info in order to move forward with requests. Neglecting to do so shows bad faith, poor company ethics, as well as general reluctance to disburse funds as requested. It seems they make this process difficult in order to hoard funds. This process is negatively impacting me and I'm requesting immediate resolution.
Product: Credit reporting or other personal consumer reports

on XX/XX/ i sent a dispute request to equifax in regards to some information that was incorrect. It has been passed 30 days and they have yet to acknowledge my request and dispute.
Product: Debt collection

XXXX ( XXXX ) XXXX Is the number is the number that has been calling me and my wife repeatedly XX/XX/2020 XXXX message left indicating that me or my lawyer needs to call immediately, I called back and spoke to a man named XXXX. He said He was looking for a XXXX XXXX XXXX. I told him that was not me please take me off the list XX/XX/2020 XXXX Message left, I called back and spoke to a woman and again aske her to take me off the list XX/XX/2020 XXXX Same agency called my wife XX/XX/2020 XXXX called my wife XX/XX/2020 XXXX called my wife XX/XX/2020 XXXX XXXX  called my wife XX/XX/XXXX XXXX I called them and l/m for XXXX to call me back to we can once and for all stop the harassment
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Inquiry on Credit Report Dear [ Credit Bureau Name ], I am writing to formally dispute an inaccurate hard inquiry that appears on my credit report. The inquiry in question is from XXXX XXXXXXXX XXXX dated XX/XX/year>. I did not authorize this inquiry, and it is negatively impacting my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information on my credit report. I kindly request that you remove the unauthorized inquiry from my report. 

Enclosed, you will find a copy of my credit report highlighting the disputed inquiry, along with a copy of my identification for verification purposes. Please provide me with written confirmation once the inquiry has been removed. 

I appreciate your prompt attention to this matter. Please respond within the timeframe required by the FCRA. You may contact me at the phone number or email provided above if you require further information. 

Thank you for your time and assistance.
Product: Debt collection

I have gave ALL parties 5 chances to cure. I have requested info on the investigation, also proof of my wet signature on the contract stating I would pay the alleged debt, also ask for not just verified. This account have been removed twice and XXXX XXXX XXXX XXXX continue to furnish account without sending me communication. 15 USC 1692. Following parties have violated my rights and with the help of the CFPB I will seek damages. I demand account be deleted IMMEDIATELY!! Please see attachment XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached you will find letters I have sent the companies one since 2021
Product: Debt collection

someone opened a fraudulent account for XXXX using my SSN. I was never told anything about this until it showed up on my credit report as I tried to finance my home
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed two fraudulent accounts on my report, these account are not mine and need to be remove from my credit immediately these fraudulent accounts are hurting my credit and my financial needs.
Product: Debt collection

On XX/XX/2024 @ XXXXXXXX XXXX a voicemail was received on my employer 's general voicemail from XXXX XXXX to collect a balance. I messaged XXXX XXXX through THEIR app notifying them that they had left a confidential and personal voicemail on my employer 's general voicemail and that I did not authorize this, and to NOT call my employer as they have direct contact with me. On XX/XX/XXXX, I received a response from XXXX at XXXX XXXX ( through the app ) confirming that my work number was removed and it would not happen again. 

This morning, I got another voicemail from my employer 's general voicemail from North American Credit stating : " This message is intended for XXXX. If you are not XXXX, please disconnect. By continuing to listen to this message, you acknowledge that you are XXXX, this is North American Credit Services. On behalf of XXXX XXXX XXXX, please call XXXX XXXX XXXX. To speak with a representative, please reference account number XXXX. Thank you. '' Obviously, they did not remove my work phone number as I requested.
Product: Checking or savings account

XX/XX/2018 i went in my local branch in XXXX ga, to close my checking account and saving account, i spoke to the Head office over the phone and in person they advise me they will not close my acconts, as well they let companys take advange of my checking and countiune to let the companys, countiue to over draft my cheking, and the creadit union kept appling {$36.00} overdraft fees, name of the company that has the account transworld system inc, i do not owe {$910.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint about Apple Goldman Sachs credit card deceptive billing practices. There are no options to receive paper statements. Not all customers are computer savvy or able to decipher Apple 's confusing online statement. There is a card balance payment due once a month. There is a separate screen which is difficult to find containing an " installment balance '' with the total balance due. The minimum payment gets transferred to the " card balance '' each month, then showing a balance of " zero '' after the minimum is paid. This is incredibly confusing not allowing to view a total balance due to be visible unless you know the exact place to click. It was so confusing that I had to call to find out if there was minimum payment due, and what the balance was left. The payment was made on time every single month. Emails are not always seen, and upon calling for help, I was told I had no balance due, that there was no payment due, and that they could not see a problem or late payment anywhere. They still reported XXXX as 30 days late! I had to call for a supervisor who spent at least 30 minutes attempting to explain how this happened. She apologized up and down and told me to try filing a dispute again as it did seem very confusing. They still have not removed the late payment and their XXXX  deceptive billing procedures are the cause of this mistake. They are hurting consumers who are older or may not be able to understand their deceptive billing display. I am considering retaining counsel as this mistake should not cost me for 7 years. Credit should not be affected because someone is older and a company does not give an option to receive paper statements. Not even an option available to pay for a statement to be mailed out. After much research, come to find out that Apple offered a deferments to their customers due to COVID but I never heard a thing about it. My husband lost work for 12 months and not only did they give me incorrect answers, but failed to inform me about help that may have avoided this in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, I received the attached letter from the XXXX XXXX XXXX, informing me of a credit score. I am not aware of any credit issues, and I would like to receive a copy of the Credit Report. 

I have tried on line, as well as via telephone, however, i am unable to process my request, as I do not live in the US, and therefore do not have a Social Security #. 

Is there another method for me to obtain the Credit Report, without having a Social Security #? 

Thank you. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Ive been getting charged a monthly fee for over two years. Its a card security fee that I did not sign up for. I have cancelled it due to an increase in my balance even after Ive been trying to pay it off. Fees have totaled to over {$500.00} which is the cause of the increase in my balance. It just continues to go up. I understand the interest fees, what I dont understand is the card security fees. My total amount paid is $ XXXX/mo and with that payment I noticed I get charged about $ XXXX month which makes my payment irrelevant. I would like to know how I can get refunded on this amount. As I did not sign up for anything besides the card. Its frustrating to know that the balance is only accruing fees and payments are not helping my account decrease.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the unlawful reporting and handling of my accounts by the following creditors : XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX. I believe their actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Sections 602A and 604A ( 2 ). Under 15 U.S.C. 1681 Section 602A, creditors are required to provide accurate and complete information to consumer reporting agencies ( CRAs ) such as XXXX, XXXX, and TransUnion. However, the aforementioned creditors have failed to accurately report my account information, leading to discrepancies and inaccuracies on my credit report. Furthermore, under 15 U.S.C. 1681 Section 604A ( 2 ), consumers have the right to dispute any inaccurate information on their credit reports. Despite my repeated attempts to dispute the inaccuracies associated with the accounts mentioned above, the creditors have neglected to conduct a reasonable investigation into the disputed information and have failed to correct the errors. As a result of the creditors ' negligent reporting practices and failure to address my disputes, my creditworthiness has been unfairly impacted. These inaccuracies have hindered my ability to obtain credit on favorable terms, secure housing, and pursue other financial opportunities. I respectfully request that the CFPB investigate this matter thoroughly and take appropriate action against the creditors for their violations of the FCRA. Additionally, I urge the CFPB to ensure that the inaccurate information on my credit report is promptly corrected to reflect the true and accurate state of my financial history. Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

I co-signed a car loan with consumer portfolio services. I listed this car loan on my bankruptcy that was discharged in XXXX The company has not updated this information and every time I dispute it, they report that their info is accurate. 

I sent in my bankruptcy discharge paperwork to them as they request months ago.
Product: Bank account or service

I had XXXX large automatic drafts occur unexpectedly over a holiday weekend, this caused my account to not have sufficient funds available for swipes that occurred over the holiday weekend ( XXXX ) .I called the bank immediately after realizing the situation and plead my case asking for leniency and help with reversing some of the $ XXXX in overdraft fees alone. explained that I have been a customer at this bank ( regions ) for over 13 years and needed some assistance due to my financial situation. I then spent the next week making frantic transfers anytime my account was in danger of being overdrawn only to get hit with XXXX more overdraft fees when the sequencing of posting was off by who knows what. again I called the bank to try and determine what happened once again plead my case and ask for leniency to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested from Equifax, XXXX XXXX XXXX XXXX XXXX to verify with method of verification of an collection account on my credit report from " XXXX XXXX XXXX XXXX XXXX XXXX with letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. As to this date I have not received from Equifax, XXXX XXXX XXXX XXXX XXXX any proof that this account is correct, I just receive back a letter stating that the account was verified with no proof. I have attached the letters sent to Equifax, XXXX XXXX XXXX XXXX.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX, XXXX XXXX using my synchrony bank credit card in XX/XX/year>. After a few months, after using about {$500.00} XXXX XXXX XXXX I had to move out of the city as I lost my job and had to find employment elsewhere. On contacting XXXX XXXX XXXX  about a refund for the unused portion of my account, they agreed to refund the money by the end of XXXX. However, they did not refund the money. Since then I have tried to contact them numerous times using the only method of communication available to contact them ( telephone ) short of showing up in person which I can not do since I live in a different city and state now. Not once had XXXX XXXX XXXX  picked up my call or responded to the numerous voicemails I left them. After being unable to contact them, I filed a dispute with my credit card company seeking a refund for the unused portion of the paid account but my dispute has been denied. I have no recourse to collect the {$700.00} due to me anymore.
Product: Prepaid card

Bought a XXXX Visa Pre Paid card a couple months ago at the XXXX XXXX  up XXXX XXXX from me I loaded {$20.00} to {$25.00} up on it as soon as I went to use it I was hit with invalid card information try another payment option or contact the issuer so I figured the card just wasn't activated I went to their website at XXXX and entered my card information where I was met with an error that said it was a system error and to try again later so I called the company and waited on hold for 2 hours just to be told by some lady that my card was locked and they needed a photo copy of my ID, Social Security Number, the pre-paid card that I purchased, and proof of address I think this is a little too much information for a Pre-Paid card company to have so I didn't give it to them Now when I call the number and try to get my balance or anything the operator says " This card is invalid '' or " There is a problem with this card '' I also still can't use the website. After doing some research, I saw that many people have also fallen for this scam and have had the same issues as me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX, Account # 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: Debt collection

I have encountered ongoing discrepancies in financial transactions with a company, despite submitting multiple requests for resolution. These issues have persisted, creating a significant concern. While I'm currently withholding personal information, I am fully prepared to provide specific details such as dates, amounts, and actions taken by both parties. Your prompt attention to this matter is crucial, and I believe that sharing these details will be instrumental in resolving the identified issues. Please let me know if any additional information is required to facilitate a comprehensive investigation and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told Experian, XXXX and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 2. The inquiry was not authorized XXXX XXXX  XXXX of inquiry : XX/XX/XXXX Please Delete Immediately 3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately 4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately