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

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 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  ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 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 ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 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 ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX
Product: Debt collection

I receive at least XXXX call per day at work. XXXX of my coworkers informed me that they have called them on their personal cell phones trying to force them to provide an alternate number for me.
Product: Debt collection

I pulled my credit report and noticed that a collection account from Jefferson Capital System and Im am not aware of the debt or have any knowledge of it. This company is also not bonded or insured to collect debt in my state of Florida.
Product: Credit card or prepaid card

I got a direct deposit and then my account was shut down for no reason
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block inc. ) due to inadequate customer service and unfair practices, which violate the customer financial Protection act ( CFPA ) Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution precess was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Transfer act ( EFTA ) and Regulation E. The actions have cause significant inconvenience and financial loss, and I seek appropriate redness for these violations.
Product: Checking or savings account

XX/XX/XXXX, deposited XXXX checks, {$1500.00} + {$13000.00} into Chase ATM located at XXXX XXXX XXXX, XXXX NY. The machine took the checks and on screen registered a deposit of {$2800.00}. 
I called customer service immediately because the tellers said they could nothing. 
For XXXX days, after confirming the digital images of the checks were visible, the bank refuses to credit my account. 
They say that they can take ten days to " research '' my " claim '' and that they do not have enough data to credit my account. 
They have the digital images of both checks, the first person I spoke to found them immediately. 
I have spoken with claims, research and customer service. I am referred to as the " claimant '' and since I only filed the claim yesterday, they have ten days to decide if they can resolve the issue. 
This is theft. And the branch will not take the machine out of service. I believe the transaction was intentional theft based on the amount of the XXXX checks. 
The bank is floating the amount of money to earn interest on the amount. 
I have been hung up on twice and have filed complaints with Chase against both reps who hung up on me.
Product: Credit reporting or other personal consumer reports

As provided by law I requested credit freezes at all three credit bureaus. The process with XXXX and XXXX went smoothly. I also created an account at Equifax but have never been able to sign in to my account and complete the process of a credit freeze. Instead, I keep getting a message that says the site is temporarily unable to complete my signing request and to try back later. It has been a week and I am still unable to sign into my account. I have reached out to the company via email, via XXXX XXXX XXXX XXXXXXXX ), and through the customer service phone numbers multiple times. I have provided everything asked of me and jumped through all the hoops including providing photos of myself and my identification, address, SSN #, and phone number over and over again. I have been assured the problem with signing in has been fixed but I am still unable to access my account. I am at my wits end. No one will actually help me.
Product: Mortgage

On XX/XX/XXXX my Mortgage Company Rocket Mortgage paid for my homeowners Insurance Loggerhead Insurance {$2400.00}. Then on XX/XX/XXXX they received an invoice from another Insurance company XXXX for {$4000.00} and paid that insurance company without me know about it. I never knew anything about XXXX XXXX. I am already covered with XXXX. I contacted Rocket Mortgage to get the information on the XXXX policy. I called XXXX and requested to Cancel the policy and refund the money. On XX/XX/XXXX I paid Rocket Mortgage the {$4000.00}. and email Rocket Mortgage proof the XXXX POLICY is cancelled. I noticed the correct Homeowners policy is still not correct on the escrow account. I called rocket mortgage again on XX/XX/XXXX XXXX to fix the amount of the escrow from {$4000.00} to {$2400.00} the amount for the XXXX policy. It is still not correct and looking for help.
Product: Credit card or prepaid card

I made a payment on my Chase Slate VISA credit card account in the amount of {$9.00} on XX/XX/XXXX, which XXXX the account. I should have received a statement showing that payment on XX/XX/XXXX but no statement was produced. I E-mailed Chase several times starting on XX/XX/XXXX and they tell me they do n't produce a statement on XXXX balance accounts. But whenever there has been any activity on a credit card, the credit card company should be sending a statement showing that activity and most do. I keep complete records for all my credit cards and credit accounts. When applying for credit, such as a home equity loan, creditors require copies of my credit card accounts, especially showing XXXX balances. The last correspondence I had from Chase was on XX/XX/XXXX, from Senior Service Specialist " XXXX '', again refusing to send my statement either in .pdf format online or hard-copy via surface mail. This is spite of the fact that looking online, I can see my payment transaction listed there for " XX/XX/XXXX statement ''.
Product: Debt collection

I called the XXXX XXXX XXXX XXXX XXXX, trying to settle a debt that was on my report, I spoke to about 4 people om 2 different days and no one knew information about what the others had in my file. I called on Friday XX/XX/XXXX and spoke to a rep XXXX XXXX, my original debt was for XXXX, and I offered XXXX, he explained to me that he wasn't able to take that amount and during the conversation he offered to XXXX, but all I had was XXXX, he said he was send it to the company he represented and get back to me on Monday XX/XX/XXXX. Also during the conversation XXXX added on an extra cost of XXXX, saying that was addition cost that was added on for the work done to date. He also stated that I was served with court papers for this specific account, in XX/XX/XXXX, to which I explained I didn't receive, he tell told me that their process server delivered the paperwork to a person named XXXX XXXX and gave a description on a person that did not reside with me. On Monday afternoon I called back but he could not be reached, I spoke to rep XXXX XXXX and he didn't know about this arrangement and only told me that the company would not accept my offer of XXXX, but he will try again and for me to call back in 1 hour. I called back 2 hours later and was told both men I spoke to were unavailable, in which time I stared the process all over again with a rep name XXXX XXXX, who from the beginning of the conversation seemed to be aggressive. He stated that I was served in XX/XX/XXXX and gave the same description as XXXX did and when I tried to explain that no one lives there as described and it was also delivered to the wrong address, he told me that I was in default, when I asked why I didn't receive a follow up letter from the law group, he said that he doesn't have to provide me with any further information and that I have to call my county clerk if I wanted more information and anything further that I asked was cut off and I had to call the clerk.
Product: Debt collection

Selene Finance has refused to provide me with a mortgage statement that I need to have for my appointment with New Jersey Citizen Action.I have been asking for several weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

The disputed account XXXX XXXX XXXX was removed from my credit report on XX/XX/2022 from Experian. Today on XX/XX/2022 it was reinserted by Experian on my credit report. They did not give me any explanation as to why the reinserted the account and once an account is deleted it can not be reinserted on the credit report. This account must be deleted off my credit report at once!
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up an account with XXXX XXXX XXXX and there are some address on there that are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX GA XXXX.
Product: Credit reporting or other personal consumer reports

XXXX and TransUnion will not remove items reported with proper documentation off of my credit file they continue to keep the disputes going for over 30 days state they are fixing the issue but does not correct it even with the correct proper documentation
Product: Vehicle loan or lease

On or about XXXX XXXX, 2022 I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX LA. and financed the vehicle with Ally Financial. As part of the financing I purchased GAP warranty coverage from XXXX XXXX and the purchase was included in the financing contract. 
On or about XXXX XXXX I refinanced the vehicle with XXXX XXXX XXXX XXXX and as part of the loan offer I was required to purchase the GAP coverage that was offered by that lender. I did purchase their GAP coverage and provided XXXX XXXX with written confirmation of the cancellation of their GAP coverage with was countersigned by a XXXX  XXXX representative and was told I would receive a refund for Approximately {$770.00} and that a check would be mailed to me. After several weeks I contacted XXXX XXXX as I had not received anything and was told that the refund had been sent to Ally Financial and they would forward the money to me as I had paid the loan of at Ally. 
After not recieiving anything from Ally nor any communication I contacted their customer Service and was informed a refund would be issued to me but it would take as long as 70 days to process, I informed them that was not acceptable and was eventually connected with a supervisor who escalated my case to their " Executive Resolution Team ''. In late XXXX I was contacted by a representative from team and promised a resolution in days. On XXXX XXXX I was again contacted by that team member and told a check had been mailed to me on XX/XX/2022 and they now considered the matter resolved. 
After no check arriving within two weeks I again contacted Ally customer service and was told by the representative that they had no record of any payment being made to me.And they had no idea when I would receive a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent several supporting documents to XXXX for a proper investigation to remove fraudulent account and inquiries off my report. they still refuse to do and proper investigation after several disputes and supporting documents that support the removal. I'm demanding proof of their supporting documents of the investigation they processed if not I'm requesting immediate removal.
Product: Credit reporting or other personal consumer reports

Listed Below are Hard Inquiries that have been made fraudulently and should be removed from my credit file. According to FCRA 15 U.S. Code 1681c2 - Block of information resulting from identity theft. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report three collections accounts on my credit report ( noted below ) despite my contact with the company and Equifax directly to have them removed as they were paid in full. Each debt is for medical costs incurred ( less than {$500.00} ) and now held with collection agency, XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX ). The three collection amounts appearing on my credit report incorrectly are : {$99.00}, {$54.00}, {$150.00}. Please help me rectify this with XXXX XXXX XXXX on my Equifax credit report. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to inform you of the violation of my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b, as well as my victimization of identity theft, as documented by an FTC report on file ( Reference Number : [ XXXX ). I kindly request your prompt attention to this matter and the immediate removal of the following fraudulent accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid for a equifax membership to keep my credit report accurate and up to date.This membership has not been honored as i've recently had issues with disputes on my personal credit report with missing information. The company has stated that this information has been reported prior to XX/XX/2020 to equifax. Information has not been updated by equifax timely, and equifax has not responded accordingly in the three previous CFPB complaints. This is unethical and is a violation of the FCRA. Investigation has took longer than 30 days on multiple instances with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize any of these hard inquires. They aren't attached to any open accounts & are fraudulent. 

XXXX XXXX - XX/XX/XXXX -XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX -XXXX, XXXX - XX/XX/XXXX -EquifaxXXXX XXXX XXXX  XX/XX/XXXX -Equifax, XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - XXXX, XXXX XXXX  - XX/XX/XXXX XXXX, XXXX XXXX  - XX/XX/XXXX - Equifax, EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX, XXXX - XX/XX/XXXX - Equifax,
Product: Checking or savings account

On XX/XX/year>, I made a deposit of {$420.00} cash to a XXXX ATM at XXXX XXXX XXXXXXXX XXXX XXXX. It took my money and said technical difficulty and never recorded it in my account. This is causing me great hardship and stress. 

I filed a claim but have not received any communication from them and I'm told I have to wait ( one person told me 45 to 90 days ). I am incurring late fees for bills I can't pay and I am very distressed and need your help in getting my own money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I received notification from the credit bureaus that my XXXX XXXX card was reporting a late payment of {$6.00} which was incorrect. I paid the entire balance of the card in XX/XX/2023. XXXX XXXX agent informed me there was an outstanding balance of {$6.00} which was not included in the payoff which was error and that they will correct the credit bureau and waive all fees. I never received any statement showing an outstanding balance NOR received any communication from XXXX XXXX. 

Additionally, based on this incorrect late payment reporting XXXX XXXX decreased my credit line on my additional credit card. Furthermore, causing me to receive adverse action on my credit bureau. Per XXXX XXXX, it was lowering due to the credit reporting agency has reported a recent credit delinquency ie my XXXX XXXX card. The agent says there is nothing they can do but to submit a credit limit increase even though the error was their fault. This has severely impacted my credit due to the credit utilization score. XXXX XXXX needs to remove the credit late payment and adjust my credit line back to the original amount to make me whole.
Product: Credit reporting or other personal consumer reports

I have repeatedly sent disputes to XXXX, XXXX, and Experian regarding the inaccurate information on my credit report. Despite clearly outlining the violations they are perpetrating against my consumer report, they have callously ignored my pleas for rectification. It has now been well over 30 days, and their deafening silence is not only unprofessional but also a blatant violation of my rights under the Fair Credit Reporting Act. Attached are copies of all the letters I have sent, meticulously detailing the discrepancies. It is utterly unacceptable that these agencies have chosen to neglect their duty to ensure the accuracy of my credit information, and I demand immediate action to rectify this egregious oversight.
Product: Debt collection

XX/XX/2024 as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Product: Mortgage

My mortgage was just sold to Mr. Copper on XX/XX/year> from XXXXXXXX XXXX. I have been trying to verify the funds in the escrow account balance to see if they have paid the homeowners insurance renewal that is coming up yet as i am getting a new policy and do not want them to pay it for the old policy. They say that I do not have access to this yet and to wait. They have refused access to tell me how much was in my account and will not release this information. The renewal is soon and them causing this delay is going to result in them renewing a policy that i do not want and overpaying on said policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against MERCEDES BENZ. The reason why I am writing this complaint is because on my XXXX, XXXX, and XXXX credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Credit reporting or other personal consumer reports

Earlier this afternoon I submitted a complaint against the 3 credit bureaus on this platform Experian, XXXX, and XXXX it has not even been 24 hrs and Experian has already removed All accounts after receiving notification from you guys and my dispute request. XXXX, And XXXX have not responded at all even though the said the disputes are deleted I have not seen a reflection in my credit score or from the creditors showing all parties have completed removed any negative remarks from all accounts