23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was a faithful client of XXXX for 15 years as my cell phone carrier. I purchased an app through XXXX that provided a locator and parental controls. I put the app on my Daughters XXXX. I paid for the app, it never worked. I took it to the XXXX store thinking that it was an issue with the devise. I did this after several failed attempts over the phone with customer service, many calls I could not understand, because I regretfully only speak English. 
Finally, I took the device to the XXXX dealership, they kept it for days ( during all this, I am still paying for the app and the devise to be connected to the internet ) the XXXX place told me that the devise was not able to be fixed, and that they could transfer the app to a brand new XXXX that I could purchase in the store that day, and make payments through my XXXX account. A new XXXX to fix an app? I told the clerk I was leaving and would like to be compensated for all the time I paid for service and the app, and she said that will be no problem. 
This " outstanding bill '' was to be cleared up months ago. I can not understand why I am now in collections for being billed for a service I never got. When I surprisingly got a " final bill '' from XXXX ( after I left the carrier ), I wrote letters, called and on-line chatted, trying to plead my case. The ONLY response I got from them was a letter from SUNRISE CREDIT SERVICES. I called this service, they asked me to reach back out to XXXX. I did, and was disconnected by phone ( after I put my number and pin in, and my account access denied ( so I can't send them an inquiry via email ). I can not have this derogatory mark on my credit. I move too much, and is not something I need to highlight with my Command. I honestly can not ethically pay this bill, I never received this service! someone please get ahold of XXXX and review my account notes! I promise it is all in there, I tried and tried to have the do the right thing, and all they wanted to do is sell me an new XXXX, and not ensure I was getting what I PAID for. I have since moved my cellular service to XXXX.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

TD Bank has declined to close an account that was compromised, despite my prompt reporting of the issue. They have also refused to release the phone number associated with my XXXX account, which has resulted in three instances of funds being sent to the account that they are unwilling to refund. I currently have no access to this account and have been attempting to close it since XXXX. During my visit to the branch, the branch manager treated me in a manner that made me feel belittled and incompetent. I am frustrated with this ongoing situation, and it is unreasonable for me to be required to change my phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX   and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me  an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Money transfer, virtual currency, or money service

I tried to send earnest money from my pnc account to my realtor via an app and the app said the bank wont allow the transaction
Product: Money transfer, virtual currency, or money service

All monies reported to be returned. XXXX XXXXXXXX
Product: Prepaid card

I have my gift card and was only able to use it once at a pump for {$5.00}. My card has a {$490.00} balance but the company has blocked me from making transactions.
Product: Credit reporting or other personal consumer reports

XXXX is reporting a collection of {$650.00} from XXXX XXXX at XXXX. This is a medical bill and it has been paid in full. I have disputed with all XXXX bureaus a couple of times and supplied the proof of payment. It has not been removed from my credit report. When I call XXXX I am transferred to a very rude man ( I forgot his name ) that provides no information and doesn't seem knowledgeable. The original creditor has told me a few times that it should be removed.
Product: Credit card or prepaid card

I purchased furniture from XXXX XXXX XXXX in XX/XX/2020 using their credit service from Tidewater Finance Company. Upon receiving my first bill, I set up auto pay through my financial institution and have paying this way ever since then. In XX/XX/2020, I got a phone call from Tidewater saying they had not received my XX/XX/XXXX payment, perhaps it was just lost in the mail. I simply adjusted my XX/XX/XXXX payment for double what I usually pay ( which is significantly more than the regular payment amount ). I didn't want to go over 30 days late so I was closely monitoring the Tidewater 's website to make sure my payment posted this time. On XX/XX/XXXX I still hadn't seen my payment post so I made an online payment for the same amount as the bill pay check. On XX/XX/XXXX, both the online payment and bill pay check cleared my account, a total of {$1000.00} ( my original required payment was roughly {$200.00} ). At this time, I logged on to Tidewater 's website to make sure the payments were reflecting in my account and neither of the two {$530.00} payments were reflected. I immediately called and spoke to a representative and was told that they were switching their system and to give it a few days to reflect. As of XX/XX/XXXX, neither payments were reflecting in my account. My bill pay was set up to send another {$260.00} payment XXXX my usual amount I send ) for the XX/XX/XXXX due date and to this day, XX/XX/2020, none of these payments are reflecting in my account. Every time I call I get different answers. They don't know " who cashed these checks '' even though I've sent them my bank statements, several cleared checks, etc. I have now received a hit to my credit saying that I was 30 days late on my payment and it dropped my credit score XXXX points on each of the three reporting agencies.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report from the XXXX, XXXX and TransUnion. There, I discovered accounts and inquiries that are unauthorized. These are information that should not be on my report. These are inaccurate, outdated and can be considered as fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt give anyone permission to run my credit report. Company agreed to delete inquiry.
Product: Credit reporting or other personal consumer reports

When checking my credit report I have noticed that XXXX XXXX  is reporting a debt that does not belong to me and could not be validated and verified, I disputed this debt on XX/XX/year>, XX/XX/year> XXXX, XX/XX/year>, XX/XX/year>, XX/XX/year> and XXXX XXXX  has not validated this debt, i requested signed documents bearing my wet ink signature, after repeated request for over XXXX months XXXX XXXX has not provided me any type of validation, they have not provided me with any type of documents that shows i agreed to pay this debt, i did not sign any agreement or documents with XXXX XXXX or the company that they are collecting for. I disputed this debt with Equifax on XX/XX/year>, XX/XX/year> XXXX, XX/XX/year>, XX/XX/year>, XX/XX/year> and Equifax has failed to validate this Debt and continues to knowingly violated FCRA. Equifax gives me know options on their website to re dispute this debt as not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX On my credit report the fraudulent listed account number is XXXX with XXXX XXXX XXXX XXXX This is not my account. I have tried over and over to clarify that this account does not belong to me. I have disputed it with the bureaus to no avail.I have sent letter and faxes to XXXX XXXX with my Identity theft report from the FTC. The only thing that the bureaus and XXXX XXXX are doing is validating the account. How can you validate a fraudulent account. This account is not mine.
Product: Checking or savings account

When switching phone carriers, Citibank locks you out of account access until further notice. I recently switched phone carriers and am now unable to log in to any of my checking/credit card accounts on any device. I called citibank and they said that the account gets flagged when switching phone carriers. I need to access my account to pay rent and other bills and citibank refuses to give me access back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCOUNT NUMBER # XXXX OPEN DATE XX/XX/2007 {$32000.00} THIS IS NOT MY ACCOUNT I WAS NEVER IN THE MILITARY OR NOR DO I HAVE A BANK ACCOUNT WITH THIS BANK I NEED THE REMOVE
Product: Credit reporting or other personal consumer reports

I have tried and tried to get these items removed from my personal credit reports due to these companies and reporting agencies being in violation of my privacy rights along with me not giving consent to have them report on my personal credit profiles. This is hurting my chances of obtaining proper credit. 

The following accounts are the ones that need to be removed as soon as possible as I am trying to apply for a home loan. 

XXXX XXXX, XXXX, {$590.00} XXXX XXXX XXXXXXXX, {$680.00} XXXX, XXXX, {$830.00} XXXX XXXX, XXXX, {$230.00} XXXX, XXXX, {$29000.00} XXXX, XXXX, {$4100.00} XXXX XXXX, XXXX, {$340.00} XXXXXXXX XXXX XXXX XXXXXXXX, {$6800.00} Inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX  - XXXX XX/XX/XXXX {$2100.00} XXXX XXXX - XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX  - XXXX XX/XX/XXXX {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit plus has pulled my credit score without my permission
Product: Money transfer, virtual currency, or money service

" I am filing a complaint against Cash App regarding unauthorized transactions from my account. Despite contacting Cash App customer service multiple times, my attempts to dispute these charges and recover my lost funds have been unsuccessful. Cash App 's failure to adequately address my concerns regarding fraud protection has resulted in significant financial loss. ''
Product: Credit card or prepaid card

The name of my XXXX  is XXXX XXXX XXXX XXXX We are a XXXX  accepting credit cards as a form of payment for merchandise purchased from our store at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX We are not the cardholder in this case, but the merchant that was paid by a Discover card holder for a XXXX watch that was purchased on XX/XX/2022. In XXXX 2022, we have received a debit from our checking account concerning a dispute raised on a Discover card transaction that was paid to our business. The amount of the debit was for {$3300.00}. The dispute was without merit as this was a card present transaction using the CHIP at our card terminal and the cardholder took possession of the XXXX at the point of sale. We provided all documentation to Discover, and while Discover closed one dispute in our favor, on the other, they credited the cardholder without merit. Sometime in late XXXX, I think it was on the XXXX, we met the cardholder in our store and actually contacted Discover by phone in front of us to confirm that he transaction was valid and that the dispute should be canceled. After the customer spoke to Discover, the customer handed over the phone to me and the Discover agent confirmed to me that Discover will submit the case for correction and that I should expect a credit to my checking account shortly thereafter. The Discover agent also provided me a case # XXXX. However, it has been over 2 months since that promise of credit and my account has still not been credited for this invalid debit. When I contacted the customer, the customer screams that he informed Discover to return the funds to me and that hes not going to pay twice after he already paid Discover. Please look in to this matter as it appears Discover is holding my money after failing to return my money to me. In any event, this dispute was without merit and Discover has debited our account and credited the cardholder without any valid legal basis.
Product: Credit card or prepaid card

For last 15 to 20 years same person has managed my American Express [ AMEX ] account and issued checks to pay the billed amounts. Then suddenly, without any warning, that person was inexplicably denied access to have questions answered about a XXXX XXXX discrepancy in bill from American Express.. I was away and not reachable to respond. Because AMEX denied my account manager any access to account and refused to answer questions about the billing discrepancy, the bill could not be paid, and I could not help due to Covid travel restrictions ( I do not use electronic banking or bill paying and do not have on line access to any account or financial resources or the like ). Amex never sent follow up bills and has added impossibly excessive interest and fees that should not have been added, Plus, I am almost never able to use the card for purchases due to an almost constant barrage of " fraud alerts '' that occur for virtually every purchased I try to make with the card. I pay a fee of {$160.00} each year for such awful lack of usability and abuse. 

When I learned of situation, I sent letter to AMEX, on XX/XX/XXXX. I also spoke to several people at AMEX customer service to explain that I could not respond as I was away and did not have access to bills, but that the same account manager that had been paying bills was to continue to have my authorization to serve in that capacity. 

AMEX wrongly told her there is no way for me to have an account manager, yet on XX/XX/XXXX, I got a letter to authorize up to two people as account manager, I have had one problem after another with AMEX, and one of the biggest is that they never 'seem ' to receive even one of the letters I have sent them about these problems. The letters have been sent to the listed address for billing disputes and also to other addresses at AMEX. I discovered on XX/XX/XXXX, that AMEX, true to form, claims never having received my XX/XX/XXXX letter. 

If they did not get the letter, they would not have sent the account manager authorization 1 )  Because AMEX suddenly and without warning or justification, revoked authorization of an account manager who had been managing the account continuously for the past 15 to 20 years, 2 ) refused to provide an account manager of 15 to 20 years, information required to pay those bills, and 3 ) refused to provide the forms or other material that they may require to confirm such authorization.

4 ) Conveyed false information in wrongly stating there is no way for a card holder to appoint an account manager 5 ) Due to Covid converns my ability to be directly involved was very limited, and delayed, but should not have been required anyway 6 ) AMEX has, since XXXX, consistently denied receipt of a single letter I have sent them for billing disputes or any other matter, and did it again with the letter I sent them on XXXX XXXX. It is just not believable that they are not getting these letters! 
AMEX needs to remove all late fees, and interest that have resulted because it, and it alone prevented payment of the bills.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I XXXX XXXX I am opting out of your reporting services.
Product: Checking or savings account

My account was closed due to claims I made to be reimbursed for fraudulent activity on my account. Over the XXXX years I banked with Wells Fargo Ive dealt with money coming out of my account unauthorized, Multiple Fees that came out more than once per month, purchases that didnt match what was actually spent etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX XXXX XXXX and sending a complaint without any third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The letter I sent to Experian was dated at XX/XX/XXXX up until now I still havent receive any changes regarding the issue. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the XXXX and Transunion Credit Bureaus and the XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. Investigate properly and please update for 100 % accuracy. XXXX XXXX  XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I recently went through my report and found some inquiries from various creditors that I did not approve. This raises concerns for me, as they could be related to identity theft or fraud. I would appreciate it if you could look into these inquiries and remove them from my credit report if they can't be confirmed as authorized. I've included my letter to the Bureaus, yet these inquiries still appeared on my current report.