23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CCS collection services ( Progressive ) is wrongfully charging me {$360.00}. The bill should be sent to XXXX XXXXXXXX XXXX.They are the ones that own the vehicle not me. The vehicle was in the impound. The {$360.00} bill should be sent to XXXX XXXX XXXX because they are the owners of the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The issue i have ran into with a few companies is i have some unauthorized/incorrect inquiries placed on my credit report. This has severely impacted my ability to obtain new credit or any other transactions regarding such. 

I would like to exercise my right under 15 U.S. Code 1681n & 1681o for the damages acquired, i am seeking compensation on {$1000.00} from each company I have sent my letters in to the following companies with a notarized affidavit of truth attached as well, after Composing the letter and sending them out on ( XXXX ). I have still heard nothing from any of the companies, Please help me receive the compensation i deserve Companies : American Express XXXX. XXXX  XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Checking or savings account

I met the terms of the offer for {$400.00} after opening and funding a checking and saving account with Citi. The account was opened on XX/XX/18. 

After receiving an email from Citi, I decided to speak with a customer service representative and get an explanation as to why the opening offer had not been credited. I was told that I was not eligible for the bonus though he would not state why. He then proceeded to hang up on me after over 20 minutes of explaining why I had met the offer terms. 

I met the requirements and am expecting my bonus offer of {$400.00} AND then additional compensation for time lost talking to an unprofessional and unknowledgeable rep. 

The terms of the offer are below. 

XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

XXXX XXXX sold my mortgage to fifth third bank some months ago. On XX/XX/XXXX, I received a message from my home owners insurance company saying my policy had expired on XX/XX/XXXX due to non-payment. Now, I had a 10 % late fee on my renewal. I called my mortgage company to address the issue, but they would not discuss the problem with me saying I had to talk to their insurance department. This " insurance department '' out to be a third party company unaffiliated with the lender. The Third Party Insurance Department also could not help me saying they had only my policy number and all the accounts had just been handed to them. They told be they had to call my insurance company, put me on hold for 25 min and then disconnected the call. Three more phone calls to the bank ensued, as well as two more to the Third Party Insurance Department and an online message to the bank. 

This bank needs to pay my home-owners policy premium from my escrow account and to pay the late fee from some other source.
Product: Credit reporting or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE. 



In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

I applied for and used Wellsfargo cash wise visa card last XXXX because there was a promotion said that there would be 0 % APR for 12 months, get {$150.00} cash back if I purchase {$1000.00} or above within three Months ... ..Actually I still keep the photo picture of this page of website. I checked at Wellsfargo in XXXX ( NC ) branch to ensure it would work before I started to use this credit card. I made a phone call to the costumer service and checked this promotion again at wellsfargo XXXX XXXX and XXXX branches to confirm 0 % APR after I received first credit statement, and no one told me that I need play any interests within 12 Months. Yesterday - XXXX XXXX I received the Wellsfargo cash wise credit card statement charging me {$20.00} interests, other than paid me {$150.00} as the promotion said. Yesterday I called the credit card customer services again and asked the representative why, and I was told that he would fill out a form for me and send it to credit card finance service department to get this promotion approved and there is no guarantee for that. I never had this kind of situation before and I could not image that the major credit card company will eat their promise to their costumes, I am feeling cheated. I need your help in investigate this case.
Product: Debt collection

Good afternoon, I received a phone call on XX/XX/2020 at XXXX XXXX   from a private caller who then transferred me to a representative on my old nay account this phone call was from FMS collection. We are in the middle of a pandemic where my finances have been affected. the representative i spoke with was very condescending and belittled me. I explained my work has been affected and his response with a little laugh was we have to keep the economy going and we still have to pay bills. After explaining my situation he said he was going to report me as refusal to pay and hung up on me. I have not received any letters from this company at all informing me that they have my account. This is horrible and the worse phone call I have ever had to deal with. I would like to know what can be done about this and how I can get proof on who is handling my account along with a letter in the mail for a number to contact.
Product: Credit card or prepaid card

I received a letter in the mail, from Synchrony Bank dated XX/XX/XXXX, stating that there was an error that caused me to receive an incorrect approval letter from XXXX. What I should have received was " we were unable to assign the credit amount I requested '' however I didn't request any amount I just applied. 
The letter itself had no contact information where I could inquire what and why I had received it in the mail, on XX/XX/XXXX I called the customer service number on the back of my card and spoke with XXXX different people, XXXX and her supervisor XXXX, that told me that there was incorrect information that was listed ( but wasn't able to tell me what ) and that I could just disregard the letter. On XX/XX/XXXX I tried again to speak with someone by calling the fraud department because with the letter having no contact information on there except the number for 2 different consumer reporting agencies ( which in the letter it explains not to contact them because they did not make the credit decision and would be unable to provide the reasoning of the outcome ). I spoke with XXXX which stated he saw nothing in my account stating there were any issues, I asked to speak with a supervisor, spoke with XXXX XXXX, which again stated that he saw nothing in my account, nor did he find the letter that was supposed to have been sent by Synchrony Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau services took me to small claims court for 3 accounts all at once. The judge deemed I was not responsible for the account for the amount of XXXX. I did take responsibility for the accounts for XXXX and XXXX. I have disputed the account for XXXX multiple times with prof from the court and have call Credit bureau services and they still refuse to remove the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to have inaccurate information on my credit report I cant get updated. They are showing I have 2 collections on my credit. I have zero. They are showing a balance on XXXX XXXX- that account has XXXX balance as of 2 years ago. They are showing balance on XXXX- that account was paid off last year. They shoe XXXX XXXX XXXX on XXXX XXXX XXXX- that account was paid off 2 yrs ago, they show a balance on XXXX  XXXX- account paid off 2 yrs ago. They are showing a high ; incorrect balance on XXXX. Since Experian is set up to not be consumer friendly its hard to stay aware of the issues they present. They also have my name as XXXX XXXX XXXX. That doesnt even make sense and I can assure you I have never tried to go by that name
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. 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. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

I acknowledge your immediate attention to this matter and response within 4 business days. 

XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}.
Product: Credit card or prepaid card

PayPal credit card, care credit and XXXX where opened in XXXX without my consent and I didnt know about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies is committing identity thief which is a violation of my fair credit act. 15US CODE {$1600.00} C-2
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

We had an account with American express and was in a good relationship with them, however, as of XX/XX/18 monthly minimum payment has increases from $ XXXX-XXXX a month to almost {$300.00} and this after a request to inquiry in why monthly payment was so high and to adjust or correct. 

I have gotten no response and would like to inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my Citi Bank Credit card in FULL. Citi has reported me owing {$750.00}, but the account is paid in full. Attachments are proof of that
Product: Credit card or prepaid card

Credit report shows a {$210.00} delinquent account on a JPMCB. I am NOT aware of this debt. Credit report shows it just appeared on my credit report XX/XX/19. If I had a delinquent debt, why havent I gotten a bill from whom ever this creditor is so I could pay it. I paid off all my debts after XX/XX/2019 after selling my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX A ) XXXX Balance : {$540.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX CT ) XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX States I have 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.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.
Product: Money transfer, virtual currency, or money service

Where do I even start I am filing a complaint against Cash App ( Block , Inc. ) due to 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 the Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Product: Debt collection

This company has sent multiple ROBOCALLS to my CELL PHONE. As recently as today XX/XX/2018. They do not have permission to send robocalls to my cell phone. Furthermore I have not received written communication or any attempt at validating any alleged debt. I am not aware of any debt that could be owed to them.
Product: Debt collection

I have disputed the information with the company. However, I have not gotten a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Regional Acceptance '' XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts/inquiries listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they XXXX have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 


Late Payment : 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 XX/XX/XXXX {$300.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year> there was a letter sent to Experian asking them to verify what I believe to be incorrect information reporting to my credit report regarding some inquiries I have no knowledge about. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.
Product: Credit reporting or other personal consumer reports

Someone opened accounts in my name and ssn fraudulently. I need these removed from XXXX, XXXX, and Transunion immediately. I have contacted these companies and they have failed to remove accounts. These accounts are hurting my credit score! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

Suntrust bank owned this loan and sends me docs with other people 's phone numbers not their own
Product: Credit reporting

Equifax refuses to help during fraudulent issues that do not belong to me. The expect me to do the work when it is their job to follow federal guidelines!
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$170.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Balance Owed : {$180.00} XXXX XX/XX/XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$170.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$990.00}