23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have never shopped at XXXX XXXX or received proof of debt merchants credit. False accusations and debt not owed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization and I noticed unauthorized and fraudulent credit inquiries had been made. I contacted the sources who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate these inquiries on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiries and send me an updated copy of my credit report at the address listed above.If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX XXXX XXXX  of completing the investigation. The inquiries are as follow : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX & XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX XX/XX/XXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX Department located at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX send my bill to a wrong address and finally send it to collections. Collection agency is called Independent Recovery Resources located at XXXX XXXX XXXX XXXX. # XXXX, XXXX NY XXXX. I have learned about the debt only after receiving the letter from collections agency on XX/XX/XXXX. I immediately contacted the agency via phone to verify the alleged debt and request more information about it. I was promised to send all the i formation they had regarding my debt. In addition, I mailed a certified letter to I.R.R. Requesting the same information in writting. Furthermore, through many phone calls, I ended up calling the XXXX XXXX department which confirmed that I had debt, as well as confirmed that all the bills were send to a wrong address. I requested the department ti send me a bill to the correct address, and take care of the collections as I have never been given a chance to pay the bill. XXXX, XXXX XXXX responsible for the departments billing told me that I have to pay my bill and then she will call collections and tell them it was an error. I have never received a bill from the XXXX XXXX and on XX/XX/XXXX I have learned that a derogatory mark was added to my credit report damaging it significantly. The same day on the XXXX, I received the letter from I.R.R. With the copies of information I have requested on XX/XX/XXXX. The letter was stamped XX/XX/XXXX. However, the same collection agency reported a collection debt to my credit the following day, on XX/XX/XXXX, never given me a chance to review the documents they send and to properly respond to them. Finally yet importantly, my credit score decreased by XXXX point from exceptional to good at the worst possible time when I was shopping for the mortgage.
Product: Credit card

I am a victim of identity theft please remove this fraud inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a bill in early XX/XX/XXXX from XXXX XXXX for {$720.00}. I never had an account with that company. I called them and spent over an hour on the phone during which the person I spoke to confirmed the following : ( 1 ) I never had an account with XXXX. ( 2 ) They received my information when the acquired XXXX XXXX service in XXXX XXXX, CA. ( 3 ) My account with XXXX was closed at the time XXXX acquired the account with a XXXX balance. Despite acknowledging these three items the woman said she could only route me to their billing department to set up a payment plan. I explained how illogical it was to make payments on a non-existent debt. She said she could n't correct the records, I could just set up a payment plan. Eventually she said she 'd transfer the call to someone who could help me but all she did was route me to the people who set up payment plans. I told them I did n't owe the debt and they re-routed back to the same number where I had just spent over an hour on hold waiting to be told nothing could be done. Rather than waste another hour talking to someone that I knew was n't going to resolve the issue, and having seen online the fact that numerous people in XXXX XXXX were complaining about XXXX being unresponsive to all complaints, I sent a check ( # XXXX ) to XXXX for {$720.00} on XX/XX/XXXX. I referenced on the face of the check that I did not owe the debt and that it was, in fact, a fake debt ( I have a copy of it ). As of the last time I checked, XXXX did not cash that check. I then received a notice from XXXX XXXX XXXX XXXX dated XX/XX/XXXX saying they were trying to collect the non-existent {$720.00} debt. I called XXXX again and spent another hour during which another XXXX employee re-confirmed the same three facts mentioned above. Despite recognizing that I obviously did not owe XXXX any money and that my old ( closed ) XXXX account also had a XXXX balance when it was acquired by XXXX, she asked me to send all of my records of payments to XXXX in order to confirm that XXXX 's own records were accurate that I did not owe XXXX {$720.00}. I explained that any such attempt was much more time-consuming than {$720.00} was worth even if I still had such records which I was certain I did not have. A short time later she hung up or we were disconnected as she tried to transfer my call. In an effort to save my credit rating from this utterly false debt claim, I did as directed in the letter and sent another check for {$720.00} directly to XXXX ( but this time without noting on the face of the check that I did n't owe it ). XXXX cashed that check on XX/XX/XXXX. Despite paying the amount that I never owed, XXXX reported this fake debt as a charge off and my credit rating dropped from well over XXXX  to less than XXXX. It is now affecting my ability to buy a home.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account was open in XXXX. Ive been paid that account off they put somebody elses account on my credit. They refresh something on XXXX XXXX. This is not my account. I have no knowledge of this a first progress ending in XXXX reported on XX/XX/XXXX XXXX XXXX that collection is not mines I had a old XXXX XXXX credit card with XXXX XXXX  and that was charged off. This collection is not mine. I have no location to this account whatsoever. 
Ending in XXXX I have my FTC report as well
Product: Credit reporting

Below is my email to the Equifax PR Director this morning that was returned as undeliverable : To : XXXX XXXX XXXX I feel Equifax 's online fraud alert system has issues. I generally request a fraud alert by phone by calling XXXX. Yesterday I called and the automated system stated the system for phone request for a fraud alert was not in service. It stated a fraud alert could be place online or by mailing Ecquifax. Later, after placing the fraud alert online ( without receiving immediate confirmation of receipt ) I located a telephone number on your website for phone request for a fraud alert. I called it and it is operational. The XXXX system should have provided that number for a fraud alert. 
I completed the online fraud alert request and on hitting " Submit '' my computer screen went totally white. I went back to the request page and your Terms of Service states " you are willing to receive email notification ... and if not received, provides the Equifax mailing address. There is no indication of how long one must wait to receive that notification. 
Here is the problem : your fraud alert request requires almost all personal information necessary for identity theft - name, SSAN, address, previous address, DOB, etc. Without immediate confirmation of receipt, the person requesting does not know where his or her personal information has been sent, who may have received it, or if hacking is possible. 
I called XXXX this morning and spoke with your representative XXXX. After explaining this she said my request would be " expedited. '' When asked how long " expedited '' might take, she said 8 - 10 business days - another unacceptable delay. 
I was so frustrated yesterday after the online submission that I filed a complaint with the FTC. This morning I 've received an email from the US Gov. agency over credit reporting agencies and unless I get immediate assistance from Ecquifax, will file a complaint as they direct. If for any reason I have no resolution to my problem soon, I will then follow up with the appropriate agency for the State of Georgia and, if also necessary, request assistance from my Congressional Representative who has been helpful with issues in the past. 
Please understand how disconcerting it is for consumers who feel their personal information may be at risk. Your assistance will be much appreciated. 
XXXX XXXX XXXX, XXXX XXXXXXXXXXXX XXXX XXXX resolution would be immediate notification of if my online fraud alert was received and by whom.
Product: Checking or savings account

Hello, I had money stolen from my account earlier this XXXX, the week of the XXXX, mainly the XXXX ( card was stolen ). It was around {$1100.00} dollars. 
The bank I have is called Comdata  ( XXXX ) and they have brought me in circles since XXXX. 

The first time I called, they told me I was guaranteed my money back. All of a sudden, I called and they told me my XXXX Claim was denied. They said I received an email and I have not. Which means the only way I would have known that information, is if I called. Its unacceptable that thats the way I found out. 

After learning that, I told the lady to resend me an email and it has been maybe XXXX weeks and I still did not receive an email. I called for another time and another lady gave me a case code. This Comdata ( XXXX ) is a very bank shady company. I do not recommend at all!
Product: Credit reporting or other personal consumer reports

This is XXXX of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX. Please remove these accounts ASAP.
Product: Checking or savings account

I am writing to formally address an issue I am experiencing with my Citi High-Yield Savings Account ending in XXXX, which I opened on XX/XX/XXXX, through my Citi Credit Card Account ending in XXXX. Since then, I have been using this savings account to deposit and accumulate my monthly savings. 

On XX/XX/XXXX, I attempted to access my Citi Savings Account through the Citi Online Banking App. Unfortunately, I was unable to gain access to my account. Since then, I have made multiple attempts to resolve this issue by contacting Citi Customer Care Services. 

During these calls, I provided my Social Security Number as requested. However, the representatives then asked me to provide the debit card number and savings account number. Unfortunately, I was never issued a debit card upon opening this account, and I have lost access to my online banking, leaving me without a record of my savings account number. 

I was advised to visit the nearest Citi branch to resolve this issue. However, I currently reside in Massachusetts, where there are no Citi branches available. I have repeatedly reached out to Citi Customer Care, asking if they could issue a new debit card or provide an alternative method of accessing my account. Unfortunately, all my requests have been denied, and the representatives have not offered any viable solutions.

I have deposited approximately {$15000.00}, representing my entire year 's savings, into this Citi High-Yield Savings Account. The most recent transfer of {$2500.00} was made from my Chase Savings Account to my Citi Savings Account on XX/XX/XXXX. 

I am extremely concerned about the inaccessibility of my funds and the lack of assistance from Citi Customer Care. 

I look forward to your prompt resolution of this issue.
Product: Credit card or prepaid card

Credit card stolen. Disputed unauthorized charges with credit card company. Credit card company requesting for medical records as proof. I informed credit card company that I did not feel comfortable providing personal confidential medical information. Credit card company then re-billed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found following alleged accounts : 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 Us Dept of Education XXXX U S Dept of Ed/XXXX This is my second time sending a complaint about this matter. The accounts has already be reinvestigate. I am not aware of these accounts as indicated.
Product: Money transfer, virtual currency, or money service

I am Filing a complaint against cash app ( Block , inc ) Due to the inadequate customer service And unfair practices Which violate The Consumer 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 process Was unfair and deceptive, As they did not comply With error resolution Requirements under Electronic funds transfer act ( EFTA ) And regulation E. These actions have caused significant Is inconvenience and financial loss, And I seek Appropriate redress For these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # 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
Product: Debt collection

Convergent Outsourcing Inc. Sent a letter addressed to me saying that I owe a debt that isn't mine and that if I don't pay it, they will add unauthorized information to my credit report which is a violation of the FCRA 15 USC 1681i as well as other laws. Please delete this debt as I do not owe it and you are not authorized to put any negative information on my credit report. I was lied to and misled at some point. I am here by exercising my rights under the FCRA. ACCT # XXXX should be deleted immediately. Validate the debt. Send copies of any contracts with my signature as I am the original creditor in all consumer credit transactions. There are also letters to XXXX, XXXX and XXXX attached.
Product: Checking or savings account

I called citi bank to close my account because of their monthly charge, was on hold for an hour, couldn't get through to them, and because of this wasn't able to close my account in time and got charged a new XXXX XXXX  fee. 


I'm filing a complaint because 1 ) there is no easy way for customers to close their accounts 2 ) ridiculously long wait times and intentionally hard to navigate call menu 3 ) even after I close my account, there is no way for me to get a refund on the XXXX XXXX charge which I did not want as I did not want the account to be open.
Product: Debt collection

I noticed that inaccurate information was being reported on my consumer report regarding a debt to LVNF Funding, LLC/Resurgent Capital XXXX XXXX I wrote the company requesting validation of this debt since I had no knowledge of the company, the account, the amount, etc. The company did not respond to my requests. They did not send validation information. This debt is negatively impacting my consumer report/credit score. According to15 U.S. Code 1692g, I am within my rights as a consumer to have this information within XXXX days or have it removed from my consumer report.
Product: Mortgage

I am working with a company that pays me a regular rate plus an additional stipend amount every hour. The underwriter of the company did not want to include the stipend because they didn't understand the terminology. All other lenders and banks that I have applied for personal loans, credit cards, car loans have taken my earnings with the stipend included except this Lender Caliber Home Loans , Inc . Even, after I reached out to my corporate offices, VP, HR Manager and they wrote a letter stipulating that such earnings were taxed and part of my everyday hourly pay. They refused to do that as the additional income required for me to close this loan and purchase my first new home. At first, purchasing my new home was exciting enough that at the start it seemed to be going pretty smooth. But once this was at the hands of the underwriter it was virtually impossible to close as part of the conditions was my income. Which all of my documentation shows that my income is very well qualifying me with other lenders and I am won't have any problems closing soon with a different lending competitor. However, I do want to submit a complaint as I felt that this stressful situation was unnecessary if they would have simply taken the information pertaining to my income that is coming directly from my employer and my verification reports that were provided. I felt angry, stressed, and even ill at one point as no matter what I would send to the underwriters and executive team at Caliber Home Loans , Inc would not get past, " what is stipend ''. This was the continuing battle between the lenders and me. I wish that they help others in the future and the reason why I am submitting this complaint is to stop this type of discrimination or lack of understanding when all of the data was presented to them without any question. I am currently withdrawing from this lender Caliber Home Loans for that reason and have received approval from a competitor with no issues accepting my earnings including my STIPEND that Caliber Home Loans, Inc could not accept after all documentation showed it was part of my hourly, bi-weekly, quartile and yearly income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and would like these items removed. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Please note that AR Resources sent derogatory credit information to the three credit bureaus XXXX, XXXX and XXXX stating that I did not make payment for the months of XX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX. I usually make my payment online with my debit card. I made the payment for the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please note that my to the best of my knowledge my identity was comprised I filed an identity theft report in with Federal Trade Commission fTC report number XXXX. When I attempted to make my payment for the Month of XX/XX/XXXX I was asked to give the last 4 digits of my social security number. I sent email to AR Resources in XX/XX/XXXX. Please note that I have made consistent payment to AR resources since the year XXXX
Product: Vehicle loan or lease

I havent heard anything back from Bridgecrest I asked to speak to a supervisor and I was left on hold the vehicle just got out of the shop I wasnt able to make it to work because of the up and down with payment for the repairs for XXXX $ I had to pay XXXX $ because of this matter I lost my job because the job was a hour 1 1/2 away from home and I couldnt make it into to work because we didnt know when the repairs were going to be pay for by XXXX  XXXX. I was trying to get in touch with Bridgecrest to see if we could set up a payment agreement and arrangements to pay car note While I attend my job placement classes I attend with welfare department I applied for public assistance which is only XXXX $ twice a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account starting with # 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: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the information in my file that resulted from alleged identity theft but I have ITEMS left that need to be removed or blocked. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. These are the items that need attention in my credit report : XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance XXXX {$15000.00}, XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$6900.00} , XXXX XXXX XXXX  XXXX Balance : {$1200.00} , XXXX XXXX XXXX Balance : {$1800.00}, XXXX XXXX Balance XXXX {$3900.00}, XXXX XXXX XXXX XXXX Balance : {$6800.00}
Product: Credit reporting or other personal consumer reports

I have incorrect information on my report showing a fraudulent account that is not mine. I have submitted multiple disputes and the company has not came to a resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent in letters to XXXX to have 8 accounts and removed from my credit report because they were reporting falsely, and those actions were not made by me. no action has been taken sense then on XX/XX/2022 I sent in a 30 day comply and yet again nothing has happened. On XX/XX/2022 I sent in letters to Transunion to have 6 accounts removed. I also sent letters to XXXX XX/XX/2022 to have 5 accounts removed from my credit report because they were reporting falsely, and those actions were not made by me. no action has been taken sense then on XX/XX/2022 I sent in a 30 day comply and yet again nothing has happened.