23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Prepaid card

On XX/XX/XXXX at XXXX PST, I returned two items at Macys store in XXXX XXXX XXXX. They said that they would mail me the giftcard to my home address instead of issuing physical giftcard right away in store which is definitely unnecessary and not easy for customer. Two weeks passed, I did not receive anything from the mail. I call Macys inquiries call : XXXX which is on my return receipt. One of the representative said that he was not able to mail it to me and he asked me if I wanted refund to be issued directly to my credit card. I provided him my credit card number and waited for one more week. Still received nothing. I called Macys again on XX/XX/XXXX around XXXX and one of the representative said that there was something wrong with my credit card, he cant issue refund. I felt weird because Im still using my credit card everyday without any problems. He then requested me to provide my checking account number and routing number. I questioned him why does he need my checking account information? Just either mail/email a giftcard for my refund or issue it to my credit card. He kept talking bla bla without giving me the right answer. I feel like he was trying to scam me and steal my personal information so I hung up on him.
Product: Money transfer, virtual currency, or money service

I requested a refund from cash app because I was beat nearly to death and had my phone stolen so therefore all my personal Information was compromised. The suspect sent money to an unknown person and kept trying even after my linked account was emptied out. I would not do that knowing its emptied out. I asked for a XXXX time refund or all my transactions to the person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Experian e-mailed me that my score had dropped 8 points, On XX/XX/2019 Experian e-mailed me my report dropped another point. I checked with them and there were no changes they or I could detect on my credit report. They told me over the phone just to accept that they are correct and there are several things that make it drop, but they could not tell me what it was. Both XXXX and XXXX have noted only increases on my report as I pay off all my accounts promptly. I also noticed when I was trying to get info online I would constantly be bombarded with paying for upgraded services from Experian in order to get more information about my account. Please help! I take my score very seriously and do not understand how I can keep Experian from continually dropping my score if I can't ascertain why they are doing it!?
Product: Credit reporting, credit repair services, or other personal consumer reports

For the second time in two days, my Experian account has been compromised. I did all of the necessarily steps to reset my password and pin and security question, and enabled two-step verification. I received an email today at XXXX. that said " You are receiving this notification because this email address on your Experian account has recently been changed. If you did not initiate this change, please contact Experian 's member support at XXXX. '' When I logged into Experian, my email address was changed to something that was not mine, and the phone number was changed to something that was not mine. In addition, the 2-step verification was turned off. I suspect that someone can just click " I forgot my password '' and answer all of the security questions to get back into my account, and then change it to their information. If they can keep getting into my account, they can unfreeze my credit and continue to apply for credit cards with my information. Experian is doing nothing to fix the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing the complaint against XXXX, XXXX, Transunion because they have ignored my request for a reinvestigation since XX/XX/2021. YES! I have been sending dispute letters for the accounts items listed on this complaint for AN ENTIRE YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion regarding its failure to resolve a long-standing dispute related to identity theft, inaccurate credit information reporting, and inadequate customer service, which has negatively impacted my financial standing and professional obligations. 

On XX/XX/XXXX, I submitted disputes to TransUnion regarding identity theft. However, on XX/XX/XXXX, I noticed an unexplained drop in my credit score. After reviewing my credit report on XXXX website, XXXX, and XXXX XXXX, I found no reason for the decrease. To get clarification, I purchased XXXX credit monitoring service, but no alerts or explanations were provided. 

I then contacted TransUnion by phone to inquire about the credit score decrease. The representative I spoke with could not explain and repeatedly attributed it to my ongoing disputes, which I knew to be incorrect. When I escalated the matter to another agent, they claimed the decrease was due to a late payment on my XXXX XXXX account, stating that no payments had been made since XXXX. However, my TransUnion credit report reflects that my last payment was made in XX/XX/XXXX, and my account is current. 

Additionally, despite purchasing their credit monitoring service, I can not access my alerts or credit score, while TransUnion representatives claim they see different information on their end. When I requested to speak with a supervisor, I was initially told to call back. Upon doing so, I was connected with a supervisor who placed me on hold and abruptly disconnected the call without resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, XXXX XXXX XXXX XXXX acquired unauthorized access to my credit file.
Product: Debt collection

On XX/XX/XXXX I cancelled my gym membership with XXXX XXXX. 
On or about XX/XX/XXXX, I received a debt collections notice from First Credit Services, dated XX/XX/XXXX. 

First Credit Services was immediately contacted and requested debt validation as granted per the FairDebtCollection Practices Act. In addition, this request was also submitted in writing on XX/XX/XXXX. First Credit Services was obligated to respond within 30 days failed to respond to the written request knowing they were obligated to respond to the debt validation request within the statutory time limit ; however, they failed to respond. 

On XX/XX/XXXX a follow-up letter was sent to First Credit Services, requesting debt validation as per the Fair Debt Collection Practices Act, and reminded that they are required to respond to my request for validation within 30 days of receipt ; however, they did not respond.
Product: Debt collection

I contacted Columbia recovery group about an account they received from XXXX XXXX apartments that I had discharged due to bankruptcy. They agreed that debt was satisfied and that the account was closed and current. But my credit report still shows it open and active and in collections witch is is not the cash. Columbia recovery group said all the information on there end was done correctly and it should be closed and not showing in collections on my credit report. I have filed a dispute for XXXX for this same account and now I would like to file a dispute for XXXX to remove this. Thank you and my contact number is XXXX
Product: Credit card

On XX/XX/2023 I activated a Verizon Visa card through Synchrony Bank with a credit limit of {$8000.00}. I was about to leave for a vacation to XXXX where I planned on spending about $ XXXX on the XXXX card. I wanted to keep my debt to credit ratio around XXXX %, so I was interested in raising my credit limit by {$2000.00} for a total of {$10000.00}. When I opened the Verizon Visa card app on my XXXX, there was a banner right in front on the main account page asking me to request a credit limit increase ( see attached screenshot ). This was very convenient so I naturally clicked on the link and requested a {$2000.00} increase on my credit limit. 

I was immediately denied the credit limit increase with the explanation that my account had not been open long enough to request an increase. This conclusion was clearly contradictory to the prominent link on the app, inviting me to apply for the increase. If my account was too new, it was misleading for the app to advertise the credit limit increase in the first place. If I was not eligible for that promotion, it was misleading to show it to me. 

In the last 2 months since being denied this credit limit increase, I have noticed my credit score drop. In that period, I have made all credit card payments on time and in-full and even finished paying off a {$40000.00} car loan. The denial for the Verizon Visa credit limit increase has been the only negative event that could have dropped my credit score over the last 2 months, and this only happened because I was mislead by the card provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

Late open : XXXX XXXX XXXX Balance : {$140.00} XXXX-60days ; XXXX-30days Collection : ( Original Creditor : ) XXXX Balance : {$92.00} Inquiries : XXXX Date of inquiry XX/XX/2020 XXXX XXXX  Date of inquiry XXXX XXXX
Product: Credit card

I have had this Citi Card ( XXXX ) with me since XXXX. I have included statements from Billing Period : XXXX where the balance was {$120.00} and was paid in full. XXXX XXXX : XXXX there is a XXXX balance on the account. Then on Billing Period : XXXX, I had to charge my property taxes in the amount {$5300.00}. That statement shows a Mini Payment of {$80.00} with an XXXXXXXX XXXX %. Then the following Billing Period : XXXX the mini payment goes from {$80.00} to {$140.00} with the interest rate XXXX  %. Then the following Billing Period : XXXX shows a mini payment of {$170.00} and XXXXXXXX XXXX %. Why, I have been nothing more than a perfect client. For citi bank to do this to me,
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a full investigation and debt validation on this collection, XXXX XXXX, but I am still receiving the same response ; the account " verified '' but they do not provide VALIDATION AND PROOF OF CLAIM. Even I do not receive ANY communication from Collector notifying about this debt. Also the Debt Collector illegally report this alleged debt to credit bureaus without following the procedure establish in FDCPA regulations. 
The credit bureaus, EXPERIAN and XXXX, and the Debt Collector ( XXXX XXXX ) are violating the law, under the Fair Debt Collection Practices Act ( FDCPA ).
Product: Student loan

I have had multiple issues with Navient. I originally had issues attempting to pick a payment plan, and was given different information from each person that I spoke with. I do not believe they helped me make the best decisions based on my situation.     My biggest problem, was in the the fall of   XXXX   my plan was switched. At the time, I was enrolled in the autopay. When the plan was switched I was still enrolled. I had believed the monthly payments were being made. I received a phone call stating that my payment was not made for 3 months and that a report was filed against my credit. I spoke with NAVIENT and they stated I was enrolled in autopay, however, it was not deducting the money from my account. They had to reset the autopay, and it began to take money from my account, however, I still took a huge hit to my credit. They said this could not be fixed.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXXXXXX - XX/XX/year> : XXXX XXXX XXXX XXXX XX/XX/year> :
Product: Payday loan, title loan, or personal loan

I would like to apply XXXX benefits but was denied. Im from a key provision state Louisiana and can show proof but they won't honor it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account with XXXX XXXX XXXX showing on my credit report in the amount of {$1300.00}. I do not have a contract with XXXX XXXX XXXX. I am not liable for this collection or responsible for this debt. I was never sent any proof validating this debt even though I have requested it. Furthermore, it doesnt appear that XXXX XXXX XXXX is licensed to collect debts in the state of Delaware.
Product: Credit card or prepaid card

I was over charged for moving services by {$250.00}. I submitted all documentation, including the math and proof that they could not have preformed the amount of work they claimed to because they could only have worked ~4 hours because the storage place CLOSED. I submitted proof of arrival time via SMS and the closing hours of the storage place, as well as the closing hours to prove they could not have possibly earned the amount they charged, I've never even gotten an itemized receipt and the vendor is non-responsive. 

Instead of responding to my second dispute, the vendor UNAUTHORIZED charge my card for the {$250.00} again, I called Chase and they had me main in my request and documentation. I paid {$27.00} for USPS 2-day priority and have confirmation that arrived at their PO box . 

I have not heard from them in 2 weeks, despite numerous attempts to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, Equifax and XXXX did not provide evidence. CFPB step up and delete ALL XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX, XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX) XXXX,  (Original Creditor: ) XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

An account was fraudulently opened on today with Bank of America. The person opened an Advantage SafeBalance Banking account - which by research is also known as a " checkless '' checking account. They opened the account using my maiden name AGAIN. ( XXXX ) and my social security number. I did not open an account with Bank of America. I was notified via email of the account number and another email with an " In processing '' Application confirmation XXXX. All of this took place after midnight. Shortly after, I received another email that my email address had been updated. When I attempted to try and find out how this account was opened without my consent, I was met with a phone number to identify for security reasons that does not belong to me. I have placed a fraud and security alert with XXXX as well as placed a credit freeze on XXXX, XXXX, and XXXX.
Product: Checking or savings account

I have a prepaid account used for checking with American Express Serve card which uses XXXX XXXX I believe. My son attends XXXX University and I applied for and received a Parent Plus Loan. There was a refund amount of {$9600.00} which was to be sent in the form of a check to myself at my home address. Some how the refund was submitted as a direct deposit into my checking account but the bank for the XXXX who submits the payments on my sons schools behalf put it in his name. My bank accepted the deposit but then completely froze and suspended my account due to the deposit. They are refusing to send the money back to the issuing bank without a letter of indemnity and all of my money that was rightfully mine before this deposit is also frozen and they will not give me access to it or send me the money in the form of a check until the refund money is removed. I did not think this was legal for them not to send the money back, or send me my money that is mine. XXXX University is not getting help from XXXX and XXXX will not contact their bank to have them send the letter of indemnity because they said American Express Serve should just send the money back automatically. I am struggling financially with no access to funds and I need help. 

American Express Bank closed my account with no letter, phone calls, nothing. We have only had conversations over the phone and they have documented my account. They have the Payment Investigation Team that no one can speak to, just email at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Equifax is reporting a current balance of {$260.00}. This account should report a {$0.00} balance and {$0.00} past due. There is no outstanding balance due. Please keep in mind it would be impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following bureaus placed unauthorized hard inquiries on my credit report violating code 15 US Code 1681b. 
XXXX - 2 hard inquiries Experian - 8 hard inquiries XXXX - 17 hard inquiries XXXX 's of truth were mailed on XX/XX/2023 pending response to all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer as defined under the FCRA. XXXX XXXX, XXXX, XXXX, and Experian are financial institutions as defined under 15 USC 6827. None of these companies ever provided me with the adequate disclosures required by law of my rights to privacy and to opt out of sharing my non public information ( Non public information is .Any information an individual gives you to get a financial product or service ( for example, name, address, income, Social Security number, or other information on an application ) ; C any information you get about an individual from a transaction involving your financial product ( s ) or service ( s ) ( for example, the fact that an individual is your consumer or customer, account numbers, payment history, loan or deposit balances, and credit or debit card purchases ) ; or C any information you get about an individual in connection with providing a -5- financial product or service ( for example, information from court records or from a consumer report ). It is their duty to give me these disclosures clearly and conspicuously in accordance with federal law. In the case FTC XXXX XXXX XXXX further proves the above entities are financial institutions and are to comply with the disclosure requirements under XXXX. The case further stated ; The GLBA restricts the ability of a " financial institution '' to disclose XXXX to a nonaffiliated third party by requiring ( subject to certain exceptions not pertinent here ) that the financial institution provide the consumer with notice of the institution 's disclosure policies and the opportunity for the consumer to " opt out '' of disclosure. Id. 6802 ( a ) - ( b ), ( XXXX ). The XXXX further mandates that an unaffiliated third party recipient of XXXX " shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. '' Id. 6802 ( c ). 
AS STATED BEFORE I HAVE NEVER RECEIVED THESE DISCLOSURES OF MY RIGHTS TO PRIVACY AND TO OPT OUT. THESE COMPANIES ARE EXTORTING AND COERCING COMSUMERS TO PAY ALLEGED DEBTS AND HARMING THEIR REPUTATION. 
Lastly, I spoke to several reps at XXXX today who claim they do not have to comply with that law, and for me to contact XXXX to get the information removed. When I called XXXX they told me to call the CRA to get it removed because they can not. They are all in cahoots to deceive consumers as they have been doing for decades. 

See the attached cease and desist to remove my information. Immediately upon receipt.