23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was sent a letter on XX/XX/XXXX that show I owe {$0.00} balance required however, it reported that XXXX XXXX, XXXX " based on new escrow calculation, the payment change from {$0.00} to {$2.00}, likely due to increases in your taxes and/or insurance ''. I was shocked because we pay our taxes and get our own insurance so I called in multiple dates in XXXX. I was told that in XX/XX/XXXX they sent a first letter about not having a copy of our HOA insurance. I did not receive that letter. I spoke to a XXXX XXXX and from the insurance side, and had sent to XXXX on XX/XX/XXXX via email our XXXX 's insurance ( HOI ) policy for XXXX. I called again in XX/XX/XXXX spoke to XXXX, because when I went to pay my XXXX monthly mortgage the {$2.00} escrow charge was being pulled from my payment. I again emailed the company my XXXX XXXX XXXX of XXXX and our HOI for XXXX, as XXXX provided me emails again. I called again the following day to cancel the escrow and I was told they did not have our XXXX insurance. So I emailed them our XXXX 's XXXX and our personal XXXX insurance for XXXX, which I had given them each year. I did the same steps in XXXX on XXXX, XXXX, emailed " all '' XXXX, XXXX, XXXX and XXXX. Nothing back except a letter stating that they can not make a determination at this time that came in the mail XX/XX/XXXX. Today, XXXX. I have again emailed to the same XXXX email address that I was given by staff our XXXX policy. I have been trying to get the escrow stopped since XX/XX/XXXX. When I call in I can figure being on the phone for a few hours. I have sent multiple request on their website portal to delete the escrow with nothing back. 
I didn't get my mortgage from them, my bank sold it off to them. This company is not a good company as I have had to spend hours calling, emailing and writing letters with no changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Experian  Re  : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from   XXXX   XXXX   XXXX   which was made on  XXXX / XXXX / 2015 . I checked my credit report, which I acquired from Experian.   I have contacted   XXXX   XXXX   XXXX  , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,
Product: Credit reporting or other personal consumer reports

YOU ARE IN VIOLATION OF THE FCRA LAW! THIS IS NOT AN ANSWER TO A DISPUTE! IT'S AN EXCUSE TO PREVENT PROVIDING ONE OR INVESTIGATING MY CONCERNS THAT YOU ARE FULLY REFUSING TO CORRECT! SEE ALL ATTACHED!
Product: Credit card

I applied for a XXXX American Express card and was told that I would receive XXXX reward points upon me spending {$1000.00} on the card within my first 3 months. prior to me applying for the card I explain to the representative or ask the representative I should say if I would be disqualified for the XXXX reward points because I had previously applied and was a proof for the same card in 2014 but I declined to get the card.I was placed on hold and came back as they told me I would still be eligible for receiving the XXXX reward points upon spending my XXXX thousand dollars since I never got the XXXX card.this information was told to me prior to me giving my approval for American Express to run credit for the card now that I have the card and have used a thousand plus dollars on it and have made payment of that money back they are telling me that I wo n't get the XXXX. I asked why would I not get the XXXX points and they are saying because I had been approved for a previous card.I tried to work this issue out with them. I emailed them and contacted them several times and no one has responded to my emails and the supervisors that I 've spoken with said there 's nothing that they 're going to do with the exception of reprimanding the representative as they will not give me the XXXX points that was promised.I was approved for the card under false pretense a false advertisement from Amex.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Dispute Information Center To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : 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 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 XXXXXXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.I also noticed that my name appears to be misspelled on my credit report . My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are more incorrect on you report, please remove from my credit report Please remove inaccurate employers as well as listed below:1. XXXX  XXXX XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report.Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi, XXXX is reporting fraud information on my credit report from a 3rd party company LVNV FUNDING LLC which is violating my rights. I am a victim of Identity theft, I have already submitted a report with FTC. This Fraud account is reporting as collection & made my credit score drop XXXX points which I worked so hard to build my credit to a XXXX so far! How could 1 collection account that isn't even mine, make my score drop so much XXXX points!! This is hurting my goals of buying my 1st home & new car! Im so devastated & need XXXX & or the company to remove this fraud immediately from my credit report. Both LVNV FUNDNG LLC XXXX XXXX are violating my rights & breaking the law. I have uploaded supporting docs. Thank you
Product: Credit reporting or other personal consumer reports

I requested a method of verification from equifax back in XX/XX/XXXX, I never received it, I filed another dispute via certified mail on XX/XX/XXXX, the dispute was file for identity theft and fraud items listed on my credit file! The item : XXXX XXXX XXXX with a balance of ( XXXX ) also doing business under XXXX XXXX XXXX appears on my equifax credit file, and after I have told equifax to NOT ALLOW this company to report to my credit file because this account is fraudulent they continued to update the account, not verifying accuracy and not thru physical verification! It has been over 10 days and the item has not been blocked! Equifax is using my credit report improperly according to FCRA! And allowing business to have access to my personal information after i have repeatedly requested this company be blocked from credit file. I have never lived at the address the collection agency has listed also my personal information is incorrect so Equifax could not have verified an account with inaccurate personal information. Equifax also keeps claiming they lost my IDENTITY THEFT REPORT FRON FTC! I will include copy with this complaint! That way equifax can no longer lie and say they did not receive it
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX, Transunion, and XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CRPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( FILE NO. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,   XXXX    Bureau of Consumer Protection  Federal Trade Commission  XXXX    XXXX   XXXX   XXXX   XXXX   DC  XXXX   XXXX  : FAILURE TO RESPOND TO DELTETION/CORRECTION LETTER To Whom It  May  Concern : On  XXXX   XXXX ,   XXXX  , I received a letter from Equifax that they had completed an investigation and deleted the bogus information on my file ( please see attached ), yet as of today it still shows on my credit file and has not been deleted and they have refused to remove it.     The law stipulates that they must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. They also can not add it back to my file per the law. Equifax has not followed the law because they have not deleted the information per their own investigation.     I also understand that may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. This is an apparent disregard for consumer protection laws.     If you have any questions or need additional information, please contact me at the address noted below.       Thank you.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NC  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX. As well as unauthorized hard inquiries that were reported as follows XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX. Has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

XXXX XXXX submitted two separates charges to my health insurance for payment. 

XXXX XXXX XXXX  XXXX XXXX declined to pay one of the two separate charges with allegations that XXXX was submitting a duplicate charge/bill. 
XXXX was not submitting a duplicate charge/bill. The confusion stems from the fact that I visited two different providers on the same day, XX/XX/XXXX. 

On Tuesday, XX/XX/XXXX, I called XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX and I was explained that XXXX sent duplicate charges and that they have declined one. 
I clarified to the customer service representative that XXXX was billing them correctly because I had received two services by two different providers on the same date at XXXX. Each one for {$350.00} Date : XX/XX/XXXX _-Office Visit- Provider : XXXX XXXX, XXXX XX/XX/XXXX - Office Visit- Provider : XXXX XXXX Place : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  customer representative offered me her apologies over the phone and offered to fix the problem. Evidently, they have not because XXXX has never ceased to mail me bills. 

Both bills were originated at XXXX but for two separate services. 
I called XXXX XXXX XXXX  XXXX XXXX. 
I called XXXX. I have contacted XXXX financial department asking them to stop billing me for a charge that XXXX XXXX XXXX  XXXX XXXX owes them. I have written to them on my portal and I sent them a letter with the same request. 
I do not owe this debt. 

Please, stop XXXX from harrasing me with this debt collection. 

Many thanks,
Product: Debt collection

On XX/XX/XXXX, I contacted XXXX about a closed account from XX/XX/XXXX. XXXX had sent a collection to a collection agency, ERC, totaling {$200.00} without sending me any notification of the amount owed. After being shuffled around on their telephone help line four nearly an hour, I was finally able to talk to one of the associates who described the charge as a " early termination fee ''. This fee was assessed to my account after it had been closed, and the associate verified that the charge was inaccurate and that the account should be balanced after removing he credited my account the amount owed ( the confirmation number for this is # XXXX ). After I had received the confirmation number, I filed a dispute with the three credit unions, and all but XXXX were able to verify that the collection was not valid. I do have the file number for the XXXX dispute claim in which they conducted an investigation and found the claim to be valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is currently an account and numerous inquiries listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.
Product: Checking or savings account

Someone was writing checks and i had a XXXX  XXXX and when i got out from recovery i noticed the problem right away and called the financial institution to correct the problem i recently filed an identity report.
Product: Credit card or prepaid card

Hello, I applied for a cash back American Express card with the terms to spend {$2000.00} in 90 days and you'll receive a {$200.00} cash bonus. After I spent the {$2000.00} within the 90 days, I did not receive the bonus. 

I contacted customer service and this is what I was told : " Welcome offer was denied on your account. Your welcome offer eligibility depends on whether you have had the card which you are applying for in the past as well as other factors. 
I'm sorry for the inconvenience. There are more factors involved than the number of accounts you have opened and closed over the years. Based on your history with American Express, we did not approve you for the welcome offer on this account. '' In the approved application, as well as the approval letter I received, it was not mentioned once that the card was approved but the bonus was denied. 

This is false advertising and a deceptive practice from American Express. While I was using the card thinking I was getting my welcome offer, American Express knew they were never giving it to me but they were happy that I was utilizing the credit card.
Product: Credit card

I am having problems with my Macys credit card account number ending XXXX on monthly interest charge. I contact the customer service and try explaining that I was over charge finance charges on my account they hang up the phone on me. Previously in XXXX I had more balance and paid less finance charges. I strongly believed that these companies are ripping off innocent people who dont check their account on regular basis. I kindly ask to open an investigation on this matter as soon as possible. Thank you.
Product: Debt collection

I am filing a complaint against greater California financial services because they are illegally trying to collect on a XXXX XXXX credit card debt that is not valid and also past its statutes of limitations. The credit card account was charged off seven years ago and it is not shown as reported on my credit report as of XXXX/XXXX/15. When the company first contacted me last year, they misinformed me who they were staring they were a law firm as a scare tactic. Since then, I have written a cease and desist letter along with a zombie debt letter but they continue to demand payment. Not only are they saying I owe this debt but they are claiming I owe XXXX the amount of the original debt. The original amount was {$12000.00} and now they claim I owe {$24000.00}. I am in the process of re-financing my home but can not move forward without resolving this matter because the company has a lien against me.
Product: Credit card

In the transition between XXXX XXXX XXXX and Citibank, my balance was not transferred from XXXX XXXX to Citibank completely. XXXX and Citibank sent out notices stating that because of a change from XXXX they would be closing all XXXX related american express cards and transferring the balances to Citibank, their new partner. Although I did not want this I had no choice. Now I find out that Citibank did not transfer the entire balance and would be reporting my account as over limit until. when I questions this the agent stated that he did not know what that report would do to my credit score.
Product: Credit card

First Access closed my account, I paid the account in full, XXXX XXXX the company is continuing to charge a monthly fee on the closed and paid account in full showing a {$0.00} due. they are continuing to charge the monthly fee impacting my credit.
Product: Credit reporting or other personal consumer reports

Im writing to dispute the following unauthorized credit inquiries on my report : XXXX XXXX XXXX inquiries XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me, and I request that they be removed from my credit report. 
Please confirm the removal and let me know if further information is needed.
Product: Credit card

Information that is XXXX years old is still on my credit report. I have filed a dispute with the XXXX, but the information is still there.
Product: Checking or savings account

We have had a Certificate of Deposit with USAA for multiple years. After it renewed earlier this year, the CD disappeared from our account statements. I requested USAA advise us as to the status and location of the funds and that they remit them in full to us but have not received a response. It appears USAA has stolen the funds.
Product: Credit card

CitiCard has had issues with their online payment system for months. 
I tried everyday for 10 days to pay my bill, but their payment system was not working. 
I even called their customer service line to make payment, and was left holding and never made it thru to a rep. 
Finally ( after due date ) I was able to make payment via a customer service chat line. 
They are refusing to credit the late fee even though I attempted to pay them several times and their payment system did not allow them to accept my payment. 
It is their fault, not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is current furnishing unauthorized Inquiries on my consumer report.
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 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 items which is found to be opened due to identity theft. 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. 
XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX AZ XXXX ) XXXX XXXX XXXX {$5500.00} XXXX Original Creditor : ) XXXX Balance : {$80.00} ( Original Creditor : ) XXXX : {$650.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries on my credit report that were opened or reported as a result of identity theft related to a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have such fraudulent accounts removed from my credit file. 
Please block and delete the following accounts due to their fraudulent nature : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I received a letter from XXXX dated XX/XX/year>, stating that they have deleted the XXXX XXXX bankruptcy from my file due to the data being unverifiable. XXXX sited this according to the FCRA 15 USC 1681 et seq. XXXX, XXXX and TransUnion failed to remove the same bankruptcy from my report stating that XXXX has verified it after XX/XX/year>. This is a violation of my rights and I demand that this information be deleted immediately.
Product: Debt collection

This is not my debt. I asked this company to provide with me proof that it is. They have failed to do so. I have disputed them with all  XXXX  credit bureaus and all three have found this company and debt fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, Transunion ; Listen, it's impossible that you continue to report this account with multiple inaccuracies on payment history from XX/XX/XXXX to XX/XX/XXXX for 30 days late every month. Impossible that you can honestly say that you verified. I've contacted everyone and done several types of research, as I was NEVER late during those times, and you simply replied that it's " accurate & verified '', and that means that you breach my privacy under the provisions of FCRA. It's impossible that different credit reporting agencies report different dates of being late. It's so inconsistent on the way it's reporting! Again, I was shocked when I reviewed my credit report today and found those late payment remarks on my credit report.