23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received a letter from citi that I was automatically enrolled in a Credit Protection program for which I am charged a monthly fee. It was for my Macy 's credit card account. The letter provided terms of conditions and " reminded '' me that there is a fee for the program. I never signed up for this program, nor am I interested in participating. I tried to cancel online, but the website did not work. I was finally able to get ahold of someone after 10 minutes on hold. I cancelled the service and requested a cancellation notice. I also called Macy 's and notified them that I will be canceling my credit card as a result of this practice. I think this " automatic '' enrollment is a predatory practice and I am sure that many people are " automatically enrolled '' and charged a fee without even knowing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this information since XX/XX/XXXX I sent a dispute out on XX/XX/XXXX which included a affidavit that has yet to be responded to. By law as a natural living human I have not waived any of my rights I am stating that my rights are reserved under UCC 1-308. I have proof that the affidavit was sent from my recent dispute number ( XXXX ) ( XXXX ) ( XXXX ) I will also be providing the police report that I have sent multiple times with this document as well this is the final step I am taking before seeking litigation against XXXX and ARS.
Product: Checking or savings account

I had a Bank of America from XXXX until XXXX and had to close my account due to overdrafts fees. They charged me several overdrafts fees for funds I had in the bank and when I bought 3 or 4 items then I withdrew a large amount 3 days after I purchased my items they took out the large amount first then charged me 3 or 4 times an overdraft fee several times. Bank of America did that several times while I had an account with them and that is why I switched to another bank in XXXX, I was not allowed to get a checking account due to my history at Bank of America.
Product: Debt collection

I pulled my annual credit report to find out that there was a collections on my report from a company called Capital Accounts LLC. I have no idea who this company is and I was not notified of the debt or the option to dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to take off a report on my credit, i paid off account about 2 years ago and have been trying to get it taken off Experian. XXXX already confirmed it was payed off but Experian refuses to take it off. Report already fell off other credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a bankruptcy on my credit file that does NOT belong to me. I have reached out to them numerous times to have this issue resolved. Furthermore, I file a suppression request with XXXX XXXX so im Not sure how Equifax is verifying this bankruptcy.
Product: Credit reporting or other personal consumer reports

I have no association with the listed creditor, and this inquiry is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account from my credit report : XXXX XXXX XXXX XXXX : {$8000.00}
Product: Debt collection

XXXX XXXX has violated the FDCA as outlined in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), which states that a consumer report is a medium of communication and thus subject to cease and desist requirements
Product: Debt collection

I specifically had told the company that acquired XXXX XXXX debt on XX/XX/22 that I had set up pymt arrangements. I then disconnected the call. He called back twice, the 2nd time I advised him he was violating the fdcpa laws. He argued, I advised again of the fscpa laws and disconnected.The 3rd time he stated my case would be escalated to legal action and then hung up on me and fscpa laws do not consist with my case.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiry on my credit report provided by Experian. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I live in California, my former mortgage holder, XXXX, went bankrupt and sold our loan to Green Tree. Prior to the sell, I had never heard of this company. As a result of the sell Green Tree opened an escrow account, to pay property taxes and insurance, I never had a escrow account before and do not believe the State of California requires lenders to maintain an escrow account. My mortgage is a fixed rate 30+ year mortgage and the monthly mortgage payment is {$1200.00} and I pay $ XXXX monthly to cover the escrow payment for property taxes and insurance. According to my monthly statement from Green Tree, my regular monthly payment is {$1500.00} so I pay roughly {$11.00} per month more than is required which I acknowledge was no designated to be applied to the escrow account until I recently made my XXXX payment. Despite my attempts to comply with the terms of this loan, every year since Green Tree has held our mortgage we get a bill for XXXX of dollars, this year it was {$800.00}, supposedly because of escrow shortages. Every year it 's a different amount, but the escrow shortages are always for XXXX of dollars and the amount of insurance and property taxes we pay annually does not increase that much to justify these increases of XXXX of dollars each year. Green Tree provides this annual escrow account disclosure statement with this convoluted calculation to justify these increases ( copy attached ). This year XXXX days prior to receiving the annual escrow account disclosure statement we received a letter from Green Tree stating that our account was current ( copy attached ). Each year I contact Green Tree to get someone to explain these calculations and I have yet to understand the justification or the explanation. If you do n't pay the amount of the shortage Green Tree threatens to increase the amount of your regular monthly payment to cover the shortage. I find it hard to believe it is legal for a mortgage company to charge a borrower XXXX of dollars more per year to maintain an escrow account if it 's cheaper for the borrower to pay their own property taxes and insurance. If the borrower 's property taxes and insurance are not delinquent, then a borrower should be able to opt out of such a onerous escrow arrangement. If Green Tree is able to charge people XXXX of dollars more each year for these " supposed escrow shortages '' it 's no wonder they require borrowers to have an escrow account. We should be able to pay our own property taxes and insurance to avoid the financial hardship that Green Tree is creating. We are currently stuck with this mortgage company, but at the first opportunity we will make every effort to change lenders. But I do n't believe we should be penalized because we are stuck with this company. A company we did not voluntarily enter into a contract with. It should not be legal for a mortgage company to require consumers to have an escrow account that costs them hundreds of dollars more per year than it would cost if that consumer paid their own property taxes and insurance. I do n't know if this practice is legal but it should n't be and it definitely needs to be investigated.
Product: Checking or savings account

I filed a complaint with the office of the comptroller of the currency in XXXX XXXX then I received a letter from OCC stating my complaint does not fall under the direct jurisdiction and that my complaint has been forwarded to CFPB. " Brief Description '' My name is XXXX XXXX XXXX and my social security number has been placed unlawfully in check systems since approximately XXXX Bank of America claim suspected account XXXX. I do not believe that I XXXX the account. The account was paid in full quickly I have made attempts trying to get my name out of check systems and to settle the matter respectfully with the bank ; that included writing a dispute letter, talking with bank representatives in person at the banking branch, and calling on the phone, they have refused to take my name out of check systems. I 've tried to open a checking account and or savings account several times and have been shamefully denied.. Please investigate this matter on my behalf, the depths of the long term harm as my social security number has been in check systems for many years. If your office needs detailed information regarding the incident please do not hesitate to me on my cell phone at XXXX -- Thank you, XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I saw a news report from XXXX that XXXX had been hacked and approximately XXXX XXXX of its customers had their personal identifiable information available online for sale. I am a XXXX customer. In the in the news report, the reporter stated that XXXX would not comment as to whether XXXX customers were also victims of this hack. I immediately placed credit freezes through two of the three main credit bureaus. The last one, TransUnion, was extremely difficult to place the federally protected free freeze. I attempted to create a login account which I had done for the other two bureaus. Unfortunately it would not allow me to create the account. In part because it was did not allow me to put in my last name correctly ( I have a space in my last name ). So after that failed twice, my attempt to set up an account online at TransUnion 's website, I called TransUnion customer service. When I called, the first thing this person asked for was my social security number. This was after I informed the customer service rep the reason for my call which was to enact the federally protected free credit freeze. She then asked my name and my address my email. She then asked about a credit card and I immediately went off and I just said and I quote '' this is XXXX  '' to which she replied that this was my first warning and she wasn't going to put up with cursing. I was referring to the process which I told her I'm here to enact a credit freeze to protect my identity and this process seems very sketchy and the clock is ticking. I then requested to speak to a supervisor. I was put on hold. When the supervisor came on it was another robot I think this was outsourced to XXXX. Which is not great for credit reporting bureaus. So she began asking me questions about you know do I have a credit card I said yes. She then asked which bank it was from and then I said XXXX XXXX XXXXXXXX. Then she wanted to know my credit limit and I'm like and I'm like hold up you people should already know what this is you are a freaking transunion and so I closed down the call and I requested that all of my data be deleted and I have an email to confirm it. I did not receive these problems from either of the other two credit bureaus XXXX  or XXXX. Their process is very smooth and quick. TransUnion on the other hand is very difficult and it feels like you're giving away personally identifiable information before you can even enact the freeze. Please investigate this please ensure that their business practices change and then when people are trying to enact a credit freeze it is simple and easy. Their competitors managed to figure this out they can do it too. Thank you. Luckily I have identity protection and I will go through that service to see if I can get the TransUnion credit freeze enacted. The only reason I didn't is because their servers were down. Thank you.
Product: Vehicle loan or lease

I've asked this to be removed by law as this is not a loan and this company will not remove it. Investigate and remove from credit report
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : 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
Product: Debt collection

I live in Arizona. I received a call at XXXX XXXX  my time. My caller ID stated that it was a toll free call. I didnt answer. The caller left the following voice message that was transcribed by my phone as, This is XXXX medical revenue service this communication is from the debt collector this is an attempt to collect any information obtained will be used for that purpose contact me or any rep XXXX Monday through Friday XXXX XXXX  to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX is continuing to state that i am late and behind on payments when during COVID i was told that I would not have to make any payments nor would any such payments be subject to reporting to my credit. These loans have been forgiven as well and they still are reporting to my credit..
Product: Credit reporting or other personal consumer reports

Sent the company a letter certified mail with no response or proof asked. They are fraudulently reporting this to my credit report I have requested that they provide the purchase agreement to show full ownership of such account and also other documents for my review.
Product: Credit reporting

Since XX/XX/XXXX I have been in contact with Equifax to correct many incorrect items on my company 's credit report. My company name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I requested credit reports on both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I received credit reports for a XXXX XXXX in XXXX, and credit reports for XXXX XXXX XXXX XXXX in XXXX. Neither of these companies is mine, but I noticed my own company 's good credit items in the other company 's reports. This was true for both company names - XXXX XXXX in XXXX had my ( XXXX XXXX in XXXX ) good credit items, and XXXX XXXX XXXX XXXX in XXXX had my ( XXXX XXXX XXXX XXXX in XXXX ) good credit items. And of course my company in XXXX had many bad credit items from the XXXX and XXXX company. I have attached all of my correspondence to them. They have only responded correctly to XXXX of the XXXX or so incorrect items. My company has been in existence since XX/XX/XXXX. The XXXX company has regularly been confused with mine, but this is the first time I have been aware of the XXXX company.
Product: Credit reporting or other personal consumer reports

After many request, The credit reporting agency is refusing to complete a thorough investigation, as well as sending the necessary proof of accuracy and HOW they have proved that these accounts are indeed accurate. 

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating and cause a great amount of stress.

I am now requesting the description of the procedure followed to determine the accuracy and completeness. According to 15 USC 1861i ( a ) ( 6 ) ( b ) ( iii ) of the fair credit reporting act, I am now requesting the description of the procedure followed to determine the accuracy and completeness of these accounts. 
XXXX XXXX XXXX XXXX XXXXXXXX - 15 U.S CODE 1692 ( e ) 10 - Please verify the open date on this collection. I do not recall this - please verify this and remove it if it is in fact inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX - This is also completely inaccurate. - This is inaccurately reported on my report. 
XXXX - XXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
XXXXXXXX XXXX XXXX XXXXXXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. 
Additionally, I am requesting the ORIGINAL CONTRACT with the appropriate signature. Your cooperation and prompt attention are greatly appreciated. 
As proof of my identity, I have included copies of my drivers license. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 A company name Citizens One XXXX, said I brought an XXXX  and I owe {$900.00}. 
I called to let them know that I never purchased an XXXX  and that it was an identity fraud. 
On my credit report I can see they open an account under the name Citzen Bank. 
They sent me two letters in the mail with different names. 
One is called Citizens Bank and the other one is Citizens. 
They are asking me to send them a copy of my utility bills, my driver license, my social security number and my personal information in order from them to close my account that I never opened up.
Product: Credit card

The credit card had additional cost for insurance in case of illness or accidents. I was diagnosed with XXXX XXXX and submitted every statement needed to make sure my account was paid. I now have lost all documents because I lost my house to a fire.
Product: Student loan

I attended XXXX XXXX XXXX, Loan was provided by Sallie Mae. 
Sallie Mae then turned into Navient. 
I was then contacted by studentaid.gov borrower-defense, stating the school was discredited. I filled out paper work, this was then approved by them. 
They stated I need to speak with Navient or " XXXX now ''. 
They say that my loans were government loans but they weren't owned by the government. They say all the Money that was paid in is no eligible for refund. 


XX/XX/XXXX Borrower Defense Group Discharge Case : XXXX Dear XXXX XXXX XXXX : Subject : Confirming your student loan discharge. 
The U.S. Department of Education ( ED ) is writing to provide an update on our prior determination that some or all of your federal student loans should be discharged based on misconduct by your school. We previously notified you that the federal student loans you received to attend any XXXX XXXX location during the period of XX/XX/XXXX through XX/XX/XXXX would be discharged because ED concluded that your school made pervasive and widespread substantial misrepresentations which borrowers relied on to their detriment, and/or violated state consumer protection laws. 
We are confirming that if your discharge is still incomplete you do not have to make any more payments on the loan ( s ) that we are in the process of discharging. We will discharge the full remaining balance of your eligible loans and refund all payments you previously made to ED on these loans. 
Please note : We are sending this message to all borrowers with approved discharges based upon misconduct by their school. If your discharge is complete, you may disregard this notice. 
ED takes the following steps on the loans approved for this relief : * Discharge the entire remaining balance of the loans. This includes principal and outstanding interest. If you consolidated your loans, we will only discharge the portion of those loans that you took out to attend the school during the time period identified above. 
* Remove the loans from your credit report if they are fully discharged. 
* Refund any payments previously made to ED on the loans being discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act these Accounts listed below, 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 XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : .The following address is does not belong to me I have never stayed at the addresses listed below please delete them XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXXXXXX XXXXe XXXX XXXX OH XXXX I have attached my ID and utility bill to verify my current address CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX Also upon looking at my credit report I have noticed accounts that are not mines please delete them 1. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 
3. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. The following account is not mine XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
7. The following personal information is incorrect XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
8. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
9. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
10. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. The following account is not mine XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
12. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
The above accounts are not me and the are hindering me from obtaining new credit please remove within 30 days thank you
Product: Credit reporting or other personal consumer reports

All 3 credit reporting agencies XXXX, Experian and XXXX have a lot of incorrect information on my report. 


" NON MAILABLE ADDRESSES " In violation of : 15 cfr 1681 Privacy Act of 1974 Inquires, HARD and SOFT, I have no accounts with them a violation of : 15 usc 6801 - 6805 15 cfr 1681 Privacy Act of 1974 As a federally protected consumer. I want these items removed or extend credit to me in a timely matter in 21 days. Further action will be pursued if necessary, Please contact me for the Non Mailable Addresses
Product: Debt collection

Fox Collection did not provide adequate verification for the debt in question. No documents were provided showing a contract or signature