23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had submitted a complaint about not being able to get proper insurance for my home. I cancelled said policy 's after discovering they were not accurate. I did this within a 48 hour time frame. XXXX sent me a letter confirming that afterwards saying that they received a policy but could not change it unless I authorized the change. Then I received a letter from them saying they had sent money to the company and it would be taken out of my escrow. Even though I never confirmed the insurance change. Before I could not get them to send the check and now they sent the check to XXXX without my knowledge. I did call XXXX and explain the situation with truest and inform them that I never received a refund check nor did I want one mailed to my house. They confirmed that the check was never cashed. And said they would return it to truest electronically. I do have a reference number but unfortunately it is all packed up because I have to move out of my family 's property. I will sell it just to prevent any further dealing with XXXX. Also the payment made in full with XXXX on XX/XX/XXXX has not been reflected on my account as of XX/XX/XXXX
Product: Credit card or prepaid card

I opened an account with Citibank, {$2000.00} limit and if I spend {$4000.00} by XX/XX/XXXX I get an additional XXXX points... So of course the purpose of getting this card is to get the bonus. I spend a {$1000.00} and made a pymnt on XX/XX/XXXX for {$1000.00}, they then put my account on hold until the XX/XX/XXXX to verify the payment is real. So althought it cleared my account to them on XX/XX/XXXX, my acct is frozen and no one is able to clear the hold until XX/XX/XXXX. I spent the {$1000.00} I had, made a {$980.00} pymnt XX/XX/XXXX, again the money has cleared and citibank has my account is on hold again. I must spend {$4000.00} by XX/XX/XXXX for bonus. I called and yes my credit has once again been put on hold until XX/XX/XXXX, a supervisor just called my bank and verified that the {$980.00} has cleared. I have a credit of {$1700.00}, but need to spend XXXX to get the award. Why is my account being put on hold when they have received the money and there is no fraud on the account? I understand if I was writing a check, there is time needed to clear, but this is a direct from bank to bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth complaint regarding not being able to get credit score from Equifax because when I log in to equifax from any device it gives me the message as you will see by looking at the attached documents screenshot. 

I have complained as recent as a week ago and several times before that I was Assured by staff at equifax on my phone call to Them over a week ago and that they were elevating it to the IT department. 

This is my fourth complaint so can you see if you can fix it so I can properly check my report like everyone else does. 

See attachment for. Error
Product: Checking or savings account

On XXXX XX/XX/2023 I tried to make a cash deposit of {$1500.00} to my USAA account at a Non- USAA ATM ( XXXX XXXX XXXXXXXX XXXX. The ATM took my money but the deposit didnt go through. I got a receipt the stated " We encounter a problem returning your cash Please contact your financial institution. '' I call USAA and file a claim that same day, USAA close out the claim the same day and said it a non-USAA ATM they can't help me please contact the ATM owner. I went to XXXX credit union and told them what happen and they said USAA need to start the investigation and contact XXXX so that they can send the money. I refile the claim on XXXX XX/XX/2023 and on XXXX XXXX USAA close the claim for the same reason Not USAA ATM so not our problem. 

I went back to XXXXXXXX XXXX XXXXXXXX and the teller there was very helpful even though I am not their member. They sat down with me and call USAA. USAA operator told them the same thing they told me " Not their ATM '' and pretty much hang up on them. WOW! Now I'm embarrass my own bank whom I bank with for over 20 year are not willing to help me but XXXX is doing what they can to help. 

I call USAA multiply time and the operator ask me the same question every time. They told me that they will leave a remark on my claim of what happen. Every time I call to get an update, it seem like no remark was left and I have tell them what happen over and over again. I am very frustrated of telling the same story numberest of time. I have given USAA the copy of the receipt and a copy of my police statement. 

Again I call USAA today XXXX XX/XX/2023, the USAA operator ask me the same question, I have to tell her the same story and she will leave the same remark. 

XXXX  see that there was an ATM error and {$1500.00} is unaccounted for on XXXX XX/XX/202XXXX XXXX  want to me give me the money back but the need USAA to start a claim on my behave to start an investigation. USAA can't even do that.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX INQUIRIES XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have been disputing this account for XXXX  regarding the repeated charge-off that appears on my account each month. I have asked them to validate the debt by sending me a purchase agreement, assignment contract, or something displaying my wet signature showing that this alleged debt is mine.

Debt Validation Request under 15 U.S.C. 1692g ( FDCPA ) Verification Request : Pursuant to my rights under 15 U.S.C. 1692g, I am requesting that you provide the following information : 1. The Amount of the Debt : A detailed accounting of the debt, including the principal, interest, fees, and any other charges that have been applied.

2. The Name of the Creditor to Whom the Debt is Currently Owed : Including the name and address of the original creditor if different from the current creditor.

3. Verification of the Debt : A copy of the judgment ( if applicable ) or other documents showing that I am indeed legally obligated to pay this debt.

4. Proof of Your Legal Right to Collect the Debt : Documentation that you are authorized to collect this debt on behalf of the creditor.

5. Complete Payment History : Showing how the amount claimed was calculated and all transactions related to the debt.

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), and 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), information furnished to consumer reporting agencies must be accurate and complete. A charge-off should not be reported each month as a new charge-off ; instead, the status should reflect the original charge-off date and not be reported repeatedly as if it were a new event.

This by this action being taking each month it affects my credit score, credit report, and credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquires on my credit report that i have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how theses things are being tied to my name but i have nothing to do with this for example BAG BORROW OR STEAL IN Miscellaneous Department and Variety Stores XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/Personal XX/XX/XXXX XXXX XXXX/Personal XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX  Credit Cards XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX/XXXX  XXXX XXXX Companies XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX/XXXX  XXXX XXXX XXXX, XXXX  XX/XX/XXXX XXXX XXXX/Personal XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX  Travel/Entertainment XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im unable to view or access my credit report from Experian and Ive tried reaching out and they keep stalling me. I need my credit report available now I dont have 30 days or 60 days to wait.
Product: Mortgage

XX/XX/XXXX refinanced home mortgage from Loan Care to XXXX XXXX ( new mortgage lender ). From XX/XX/XXXX to XX/XX/XXXX contacted Loan Care to notify that I did not receive my remaining escrow funds of approximately {$1900.00} as I normally do after refinancing my mortgage. Several times, I tried and was told on the phone by the service representatives and manager, XXXX XXXX, that my escrow refund check had been mailed. I responded that I had never received the check. XXXX XXXX assured me that I would be receiving my escrow funds within a week- I did not receive anything. I got frustrated and did not pursue this matter as promptly as I should have and this is why I have contacted your bureau. It has been about eighteen months since I refinanced and Loan Care has not refunded my escrow funds and that is why I am filing this complaint requesting your assistance to help me receive the check that I should have received by XX/XX/XXXX. I greatly appreciate your assistance. 

XXXX XXXX XXXX
Product: Checking or savings account

So around XX/XX/year> I was scammed with 2 fake checks and the bank is holding me responsible but I did some research because it felt wrong that I owed them money even though in my account it said the checks were approved and I was manipulated into sending the scammer XXXX dollars. from what I found online banks are suppose to cover you if you get scammed. I am more than willing to provide proof of this through texts and pictures. Us Bank has been extremely unhelpful I had already filed a complaint and nothing has changed. I can not afford to pay them that money either. I really think the bank is wrong on this and since the account was also in my moms name causing additional problems for her now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted the XXXX XXXX XXXX  about several collection accounts I have on my credit profile. The following collection accounts were present : # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX. The total amounts of all collections combined was {$1300.00}. I negotiated the debt with them and they agreed to remove half of the interest charges, bringing the new total amount owed to XXXX. I PAID THE NEW TOTAL IN FULL!!! I paid with my debit card and have two types of proof of the payment : XXXX XXXX XXXX gave me a confirmation code ( Confirmation code # XXXX dated XX/XX/XXXX ) and my bank statement reflects the debit from my checking account. 
On XX/XX/XXXX I called XXXX XXXX XXXX  to follow up on the payment, and they confirmed that the debt was paid in full, and that they had reported it to Equifax as being paid in full. We were told it takes 30 days to remove and it will be removed by XXXX/XXXX/XXXX. 
On XX/XX/XXXX we checked my credit profile. Four of the accounts were still erroneously on my credit profile, despite ALL of the accounts having been PAID IN FULL. I called XXXX XXXX XXXX  about it and they responded saying it was all on Equifax at this point. XXXX had already contacted Equifax four separate times ( according to XXXX ) reporting the debt was paid in full. At this point XXXX had fulfilled their obligation to report the debt as paid to Equifax. However Equifax never removed the collections from my credit profile. 
On XX/XX/XXXX I applied for home loan. I was absolutely shocked to find out that Equifax STILL HAS NOT REMOVED THE COLLECTIONS FROM MY CREDIT PROFILE!!! I had to write a letter of explanation to lenders explaining why I had so many collections. THIS IS EXTREMELY HARMFUL TO ME AND MY LIFE!!! 
On this same day, XX/XX/XXXX, I called Equifax for an explanation. I spoke with their representative named XXXX ( employee ID # XXXX ) at XXXX PST. This is arguably the most inept, untrained, unknowledgeable, person I have ever spoke to one the phone ( and I've dealt with quite a few in my 46 years of living ). He afforded XXXX assistance and questioned me repeatedly about matters not concerning why I had called. He gave me the complete runaround!!! 
I asked repeatedly to identify his supervisor and he trued to talk over me, would not listen to me ( I am a female and he seemed very offended that I would have the nerve to talk back to him!!! ) and he repeatedly cut me off! My husband eventually lost his temper with XXXX and his choice of words and demeanor towards me my husband and confronted him. He yelled at my husband, and we eventually hung up the phone, completely exasperated with this inept and rude representative from Equifax. 
Equifax is violating for Fair Credit Reporting Act of 1970 and it is doing so BLATANTLY! This needs to stop and Equifax needs to be admonished for violating the Fair Credit Reporting Act. They have to obey the law, just like everyone else in this world.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting

Equifax dispute process does not even confirm or not confirm the investigation items requested. On several attempts now I have disputed a foreclosure and collection accounts to no avail still result with the same thing that they have verified the account belongs to me. Documentation has been provided showing evidence the account should be deleted along with the creditor themselves submit request to have it removed. The accounts in question on my report with Equifax are XXXX, XXXX Michigan, and XXXX. All other credit bureaus are reporting accurate.
Product: Credit reporting or other personal consumer reports

Years ago I filed a XXXX  XXXX, but it was dismissed by the court. The information was removed about 2 or 3 years ago. I had 2 cars with a credit union, that I made payments in full ... with XXXX XXXX XXXX XXXX. In my credit report it say the 2 car loan was included in bankruptcy XXXX  XXXX it was dismissed by the court and my 2 car loans where paid in full. 

Now I had applied for diferent cards ... XXXX XXXX and XXXXXXXX XXXX XXXX 

I get denied because a bankruptcy shows in my Experian credit report agency ... which it has been more that 7 years. 
I call many times Experian and filed disputes many times,, and they would not removed the XXXX  XXXX dismissed bankruptcy of my report, and the XXXX car loans from XXXX XXXX XXXX XXXX that shows the car loans included in XXXX  XXXX, which i paid they in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Card provoked a dispute with me in late XX/XX/XXXX. I discovered that even though it resolved in my favor, they continued to mar all three of my credit reports with a statement about it. I asked XXXX to stop reporting it via a phone call in XX/XX/XXXX. They did not. I have detailed what happened under the complaints XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX - XXXX, XXXX XXXX - Experian, and XXXX XXXX XXXX XXXX. I am complaining again because I was not satisfied with any of the responses.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Aldous Associates, a debt collection agency, for reporting a fraudulent account on my credit report. I am a victim of identity theft, and despite notifying the relevant parties, Aldous Associates has erroneously included an account that I did not open or authorize. 

The details of the fraudulent account are as follows : Account Number : They Refused to Provide and its not listed on my consumer report Amount : {$560.00} Reported by : Aldous Associates I have previously informed Aldous Associates of the fraudulent nature of this account and provided evidence of my identity theft. Despite these notifications, they have failed to rectify the situation, and the fraudulent account remains on my credit report. 

It is illegal for debt collectors to report accounts that are fraudulent or not verified. The continued reporting of this account not only affects my credit score but also causes undue stress and potential financial harm. I request that the CFPB intervene to ensure the following actions are taken : Immediate removal of the fraudulent account from my credit report. 
Compensation for any damages or inconveniences caused by the wrongful reporting. 
Confirmation of the steps taken to address this issue. 
Enclosed with this letter are relevant documentation supporting my claim of identity theft. 

I trust that the CFPB will take appropriate action to resolve this matter swiftly. Please confirm receipt of this letter and inform me of any additional steps required from my end. 

Thank you for your attention to this urgent matter.
Product: Credit reporting

This Agency has continued to report inaccurate information on my report even though they know its not accurate.I have complained to them reapeatly but nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

This is not my account and i was repeatedly harrassed to pay for this account debt!!! I have asked politely to be removed from the contact list and to remove the account but im constantly being ignored. THIS IS NOT MY ACCOUNT AND I WISH TO BE LEFT ALONE! They have no proof of me physically coming to get an account and therefore i shouldnt have to pay for anything i didnt get a product from. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY IM SICK OF THE HARRASSMENT!
Product: Debt collection

Good Afternoon, I received a call from someone named " XXXX XXXX XXXX, from the offices of XXXX XXXX '', not mentioning my name in the voicemail, and threatening legal action for something without giving any details on the creditor or leaving his phone number. 
I called the number back, and it went to a " XXXX ''. This is seemingly a false attempt to obtain my financial information, money, or other personal data. I looked up this number and found other complaints against this same individual. Thank you. 
Number : ( XXXX ) XXXX
Product: Vehicle loan or lease

My account was reported as late even though the account was paid the day of. It was paid {$500.00} on XX/XX/XXXX. This was reported to credit unions and my score went down tremendously. I would like this late payment unreported, thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my Cash App account was suddenly banned without prior notice or explanation. I have been a responsible user of Cash App for over 2-3 years and have never violated any terms of service. I rely heavily on this account for financial transactions, and the ban has left me unable to access my funds. 

Since the ban, I have contacted Cash App support multiple times to resolve the issue. I provided all relevant information, including transaction details and account verification, but I have not received any clear explanation or assistance from support. Despite my efforts, they have not restored my account or explained why it was banned. This lack of communication and the inability to use my funds has caused me significant inconvenience and financial hardship. 

I am requesting that Cash App provide a clear reason for the ban or restore my account. I would also appreciate a review of their customer support practices, as I have not received sufficient assistance in resolving this matter.
Product: Checking or savings account

My PNC Savings Account has been attacked by unauthorized ACH Fraud. Starting XX/XX/2019 - today XX/XX/2019 I have had {$8000.00} taken from me as a result of the ACH fraud. Secondly, this has also had an effect on my PNC checking account where money was beginning to be transferred out due to unauthorized ACH fraud. All items marked in the account activity as ACH are fraudulent.
Product: Credit card or prepaid card

Company failed to honor promotion and now fails to return any calls to address issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been removing inquires from my report due to error and the reinserting the inquiries without legally notifying me. I have called on several occasions to their customer service number to have them removed via Section 611 of the FCRA about having to be notified within 5 days of any changes to my credit report, but they will not listen to me, even with having a fraud alert placed on my credit report. I would like this matter resolved immediately. The dates are as followed : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX( 2x ) ; XX/XX/XXXXXXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XX/XX/XXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX