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

I am having a problem and issue getting my free annual credit report from XXXX XXXX, XXXX and Experian, I am entitled to under the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

I noticed a collection on my report from Midland Funding for XXXX XXXX XXXX in the amount of {$710.00}. I reached out to the Collection Agency informing them of the debt not being mines and they have failed to respond and removed the collection from my account. This debt that does not belong to me has been detrimental to my credit history and has hindered me financially. A copy of a bill is not validation of a debt because anyone could have submitted those payments to XXXX XXXX XXXX. XXXX XXXX XXXX   and Midland Funding have no sign contractual agreement that states that I was the authorized user of said account and that I have gained from the tradeline ; also they have ignored many attempts that I have made to have this erroneous item removed from my report.
Product: Debt collection

I did not receive any notice if this Debt Collection. I contacted the debt collector about this debt, The advised me to Pay half to remove off of my credit report. I then could not help but notice i have never received any information regarding this Debt in the mail or via Email.
Product: Credit card or prepaid card

For the last year I have had a credit limit of {$3300.00}. On XX/XX/XXXX I made a payment of {$3200.00} that reduced my balance to {$0.00}. On XX/XX/XXXX I made a purchase for {$320.00} but it was subsequently returned. I was waiting on a refund and did not make the monthly payment so my credit limit was reduced from {$3300.00} to {$390.00}. The refund was applied to my account on XX/XX/XXXX for the full amount of {$320.00}, however ; my credit limit has not been increased. When I inquired about the reduction I was told it was due to the late payment. The issue has been resolved and I feel that the reason my credit limit was reduced is because I paid off my balance. These discriminatory practices should not be allowed in the credit card industry.
Product: Debt collection

XX/XX/XXXX XXXX XXXX was hospitalized in a XXXX XXXX  and the clinic, XXXX XXXX XXXX incorrectly billed XXXX insurance. The resulting incorrect bill was disputed by insurance and we, the individual seen, were sent a bill for an incorrect ending amount for {$320.00}. We took steps to contact the clinic and were assured that they would pause the account. 

In the summer of XXXX while insurance was still working through the error with the clinic, this bill was sent to collections in the amount of {$340.00} to the A-1 collection agency in XXXX XXXX XXXX. We contacted the agency and let them know this was a bill under review and was incorrect. 

Regardless, the amount sent to collections has been show. As a delinquent report and is showing up as q Derogatory Account by the collection agency, even though the account is shown as current. The clinic noted bad debt recovery on XX/XX/XXXX as we continued to work with them on the correct billing amount. 

We want it to be know that we have had a mortgage impacted by this bad debt the bad debt was incorrectly submitted to collections and then continues to be listed as active. We are taking steps to mitigate this with credit bureaus but this is unacceptable given this all started with a billing mistake on the part of XXXX XXXX XXXX. 

The account references are : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax few minutes ago to find out the status of my dispute. I was attended to by a representative that was asking me the same question over and over again. She later told me she can not verify me and ask me to mail in copy of my social security card. I asked her where she was located and she said the XXXX. I am the owner of the profile and also a registered name on myequifax. I do not have the time to mail social security card to them because l think it is unnecessary. My request for my credit report to be mailed to me was also denied.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report with XXXX, XXXX and Experian, I immediately noticed unauthorized inquiries and credit accounts on my report. 
I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate request for an update to remove all unverified and unauthorized inquiries and accounts from my credit report and ensure that your systems maintain the correct information. 

Please see all included documentation that lists my current and updated address, that I have lived for the past 15 years. Please remove any other address your system may have found. 




Unauthorized Credit Accounts to be Removed IMMEDIATELY : XXXXXXXX XXXX Acct # : XXXX Amount : {$0.00} Unauthorized INQUIRIES to be Removed IMMEDIATELY : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Incorrect Addresses to be Corrected IMMEDIATELY : FROM : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 
Once the inaccurate information has been removed and/or corrected, you are required to MAIL AN UPDATED credit report to my home address within 30 days of resolution. 

I look forward to hearing from you soon. 

Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX around XX/XX/XXXX stating that I owe XXXX XXXX I checked the box that indicates that the amount is wrong and returned by certified mail. I have since received another letter from XXXX XXXX XXXX XXXX XXXX XXXX a debt collector,XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX indicating the same amount, yet with no itemization of the amount in question. I switched mobile carriers in XX/XX/XXXX and was told by t-mobile rep that I could not make the switch until I cleared my account, which I did. Prior to receiving these collection letters, I emailed XXXX XXXX and XXXX XXXX at XXXX requesting an itemization of the charges in question and did not receive any follow-up.
Product: Credit reporting 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 XXXX XXXX  EXPERIAN BUSINESS CRED XX/XX/XXXXXXXX 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 EXPERIAN BUSINESS CRED XX/XX/XXXX XXXX EXPERIAN BUSINESS CRED XX/XX/XXXXXXXX  XXXX EXPERIAN BUSINESS CRED XX/XX/XXXXXXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I opened a smart savings account with the Albert app recently, it saves small amounts based on your usage, etc. The second through fourth day I was with the app it withdrew {$150.00} from my checking account. I have tried multiple times to transfer the funds back but theyve been held in limbo. It has now been 5 business days and Ive contacted the company to see if they could help. My account is now overdrawn. The company was no help and said the funds can be transferred when theyre available basically. Today is Saturday, XXXX XXXX and I still can not transfer my funds back to my account. I will incur multiple overdraft fees. Thank you
Product: Checking or savings account

On XXXX XXXX Regions Bank decided to close both of my business accounts. I have been banking with Regions for almost 5 years. I received a letter shortly after the XXXX notifying me of the account closure, but it didn't specify a reason. It stated in the letter that I should receive a cashier 's check within XXXX days of the remaining funds from both accounts. It has now been well over a month since account closure. I have called and spoken with customer service on two occasions, and they said the check was mailed and that I should've received it any day. I was advised by a phone rep to visit the branch at XXXX XXXX XXXX XXXX TN and I've dealt with customer service rep XXXX and his XXXX XXXX and was told that I had to wait 30 days in order for them to cancel the previously issued check and reissue in person. When XX/XX/XXXX approach I called XXXX and he advised me to come up there and it should be ready, so I visited the branch on XX/XX/XXXX and was told they still weren't able to reissue my checks and that they will send escalate my case and I should here from someone Monday XXXX. I haven't received an update, and this is well over a month.
Product: Credit card or prepaid card

I am writing to you in regards of my past due to payments on my account for the months of XXXX and XXXX. This delinquent account record is due to natural or declared disaster : ( XXXX XXXX ). Natural disasters can cause substantial property destruction and personal injury, including the loss of life. Importantly, natural disasters can also result in negative shocks to household finances such as lost income and major unexpected expenses. As a result, many financial institutions offer financial relief or assistance that often includes payment relief for customers affected by natural disasters. Although due to XXXX XXXX, which was declared a national disaster by XXXX, within these past months I have been struggling financially and unfortunately, I fell behind on payments. Now that things are back to normal, my credit score took a huge hit with late payments from various credit card companies. Other companies gave me a courtesy late pay removal, which has helped me and my family tremendously. So, My complaint is I was treated unfairly due to the national disaster my family I went due to the hurricane. I literally spent almost every dime I had so my family would have shelter.
Product: Vehicle loan or lease

Paid off my loan in XXXX of XXXX and still do not have a title. Called repeatedly to Coastal Credit LLC and was told the title had been sent to the wrong address. After 10 months of waiting for a duplicate title I spoke with the title clerk who informed me it was going to be sent out again. I asked if I go and pay for the title who is going to reimburse me, as I paid for the title when the car was acquired, I was told no. As of today XX/XX/XXXX I still do not have a title. I was given a tracking number and when I attempted to acquire the title DMV states there is no title available.
Product: Debt collection

Received a " XXXX '' call at XXXX this morning. No associated phone number. I didn't answer. Message left was that I owed a debt and should call Wakefield and Associates. Only debt I have is monthly credit card which is paid in full each month, usually within days of charge appearing on account. 

I called Wakefield. First person I spoke to - XXXX- said " oh, well then don't worry about it ''. I asked why I was called if there was no debt owed. " I don't know. '' Asked to speak to supervisor. Told I could call some number. Said I didn't want to call some other number - I wanted to be transferred to a supervisor. Transferred to XXXX. XXXX asked for my SSN. Told her I didn't want to provide SSN b/c the entire situation seemed like it might be a scam. Said I could provide my name and she said that would be sufficient. Gave her my name. She paused, purportedly to look something up on a computer, and said she didn't have anything under that name. I asked why I was called if there was no debt. She said she didn't know. Asked to speak to her supervisor. Call disconnected. 

Called back. Reached XXXX. Asked about purported debt. She said she couldn't help me. Asked to speak to her supervisor. Call disconnected. 


As an aside, your form for submission of a complailnt only contemplates circumstances in which there is or was a debt, as opposed to situations like this one where there is a fraudulent effort to collect a purported debt that does not exist ( and has never existed ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a credit inquiry for XXXX XXXX was placed within my XXXX, Equifax, and XXXX credit report. I contact the three bureaus to get them removed however they refused and told me I had to contact the company. So that's what I did. 

I called XXXX XXXX multiple times to get these resolved. After a few weeks they finally sent me a letter saying they advised the three bureaus to remove the inquiry from my report. However, the inquiry remained. I then contacted all three bureaus and sent them a copy of the letter ( attached ) sent to me from XXXX XXXX. The inquiry was removed from XXXX and XXXX, but Equifax still won't budge. 

Now, the XXXX XXXX inquiry was reinserted to all three reports dated XX/XX/XXXX. I now  have TWO unauthorized inquiries ( XX/XX/XXXX & XX/XX/XXXX ) on my Equifax report, and one unauthorized inquiry on XXXX and XXXX ( XX/XX/XXXX ) - all from XXXX XXXX. 

I have NEVER held nor applied for an account with XXXX XXXX.
Product: Mortgage

On XX/XX/XXXX, PHH mortgage debited my escrow account for {$2800.00} for county taxes. My tax bill was for only {$910.00}. I have verified with the county that the county was only paid the proper amount of {$910.00}. PHH has refused to tell me where the missing {$1900.00} is. Instead, they have raised my escrow payment to what will total over {$6000.00} over 5 years. They will not answer the question of where the missing {$1900.00} is. 

I called the company in the first and second week of XXXX and was assured the problem would be addressed. PHH told me the County was overpaid and would need to refund me the {$1900.00}. I spoke to the county and they made it clear that they were only paid the proper amount ( XXXX ) by the 3rd party payment company that PHH employs ( see uploaded document ). Roughly on XX/XX/XXXX and then again on XX/XX/XXXX, I submitted an online complaint with PHH to locate the {$1900.00} they took out of my escrow account and was never paid. They have not responded and refuse to return the money they took out that was not paid out ( XXXX ). Where is this missing money? Instead, they sent notification that they will increase my payment to what will amount to over {$6000.00} over the next XXXX payments. 

I have uploaded XXXX items : XXXX ) The escrow record that shows the XX/XX/XXXX overdraft from my escrow acct 2 ) The tax bill from the county that shows the actual tax bill being {$910.00} 3 ) The email I received from the county verifying that they were only paid XXXX Please help
Product: Checking or savings account

I received an SBA EIDL Loan as an Independent Contractor which was disbursed in my personal account. Eight months after the disbursement, to my surprise, Capital one froze my account and denied me access to my personal earnings as well as the loan that I need for my business. 
On XX/XX/2021, I contacted the bank and provided my business licenses from 2 years ago and the promissory notes and several other documents that will support the legitimity of the loan. 
The total amount in the different accounts is {$46000.00}.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and I noticed that I had XXXX collections I was in fact never late on or have knowledge of. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots of inside this complaint, on dates XX/XX/XXXX til present XX/XX/XXXX for account XXXX, and dates XX/XX/XXXX til present XX/XX/XXXX for account # XXXX.This is in complete violation of 15 U.S Code 1692, and are hindering my right to credit due to false reporting. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I DEMAND these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. I will also attach an invoice for damages and opportunities missed due to false reporting. Even in the screenshots you can see the inaccuracy of the reporting. Thanks! Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that student loans to be removed from my credit report. I am not responsible for the student loans.The responsible party for the student loans is my daughter XXXX XXXX. The loans are generating from the Department of Education and Navient. I have communicated with the Department of Education regarding the loans and I have noticed the loans are still on my credit report.The Department of Education have reassured me that the student loans would be removed from my credit report several times.I do not owe student loans I am not the responsible party. This situation has impacted my lifestyle, and my credit. Although, the accounts are closed they have hindered my growth with my credit and possibly purchasing a home in the future.
Product: Credit reporting or other personal consumer reports

In accordance with with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prefers a consumer report it shall follow reasonable procedure to assure Maximum possible accuracy of the information concerning the individual about whom the report relates according to the 15 USC 81 ( e ) ( b ). 
And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any re-investigation on a paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified. The consumer reported agency shall 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 re-investigation and to properly notify the fumisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s 2 they are supposed to not fumish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON MY EXPERIAN CREDIT REPORT THERE ARE ITEMS THAT I HAVE DISPUTED AND I WANT TO KNOW HOW EXPERIIAN VERIFY THIS ITEMS IN QUESTION. GOING THROUGH MY DISPUTE AFTER THE FACT OR AFTER MY RESULTS NOTHING WAS CHANGED OR UPDATED CORRECTLY. SO THEREFORE I AM REQUESTING THAT EXPERIAN SEND ME COPIES OF DOCUMENTS THAT THEY HAVE ON FILE .AS OF THE DATE YOUR COMPANY VERIFY THE ACCURACY OF THESE ACCOUNTS. UNDER THE 611 LETTER I AM REQUESTING A DETAILED BREAKDOWN OF THE THREE SEGMENTS OF THE METRO 2 REQUIREMENT INCLUDING THE HEAD RECORD CONTAINING 18 FIELDS WHICH ENSURES THAT THE INFORMATION WAS IDENTIFIED CORRECTLY BY YOUR BUREAU THE BASE SEGMENT CONTAINING 49 FIELDS WHICH PROVIDES THE SPECIFIC ACCOUNT INFORMATION FOR ME. THE TRAILER RECORD CONTAINING 47 FIELDS WHICH SUMMARIZED THE DATA SUBMITTED TO YOUR BUREAU SPECIFIC TO MY PARTICULAR FILE.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : TXXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The tradeline, which appears on my credit report from Nationwide Recovery & XXXX XXXX  last reported XXXX XXXX2020 in the amount of {$180.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both Nationwide Recovery & XXXX XXXX individually and have not received any reply back.
Product: Credit card or prepaid card

American Express is banking a merchant called XXXX XXXX XXXX which is disreputable. Their practices are unfair and deceptive. 

I intended to purchase tickets directly from the venue- XXXX XXXX. When I searched for XXXX XXXX, the XXXX XXXX XXXX website, carefully created to look like it was XXXX XXXX, was presented to me. They sold me concert tickets at an extraordinary markup. I realized my error within a few minutes of making the transaction and called to cancel. 

Specifically, I called XXXX on XXXX at approximately XXXX XXXX. I spoke with XXXX employee # XXXX and requested she cancel my transaction, made in error. She refused. I encourage you to request a recording of that call so you can hear how this merchant stands on some fine print that I suspect many of their customers do not see or understand. 

At the time I purchased these tickets, the real tickets from XXXX XXXX werent even available yet. The real tickets went on sale at noon. This transaction was made before noon. 

I believe that the methods of this merchant are unfair, deceptive, and just really dishonorable. I asked both the merchant and American Express to consider why they would not refund a charge, mistakenly made, and both refused. To me, this is the epitome of unfair and deceptive acts and practices. Only merchants who are willfully gouging customers would stand on fine print when a customer, in good faith, requests a refund literal minutes after making a transaction. This is wrong and American Express is accountable because they bank such a disreputable company.