23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I attempted to change my cell phone service from XXXX XXXX to XXXX XXXX because of poor service at my new residence. Before I switched over, I verified with an XXXX XXXX representative that our existing phones would work with their service. I had XXXX lines on my account. XXXX mailed out XXXX cards for the new phones, and I activated the phones on a Friday Evening. My phone was unable to place calls or get any reception inside our home or outside unless I drove about a mile away. The next morning I went to an XXXX store for assistance, and they told me it would be XXXX of XXXX days before I could try a new XXXX card, but they didn't think my phone would be compatible with XXXX XXXX. I then attempted to just buy a new phone from them to use, and was told I couldn't purchase a new phone for 6 months. I went home and called XXXX XXXX Tech support using wifi calling, and was told that if I didn't like their service, I was free to find another provider. I went to a XXXX store in my neighborhood and they were able to provide me with a phone that worked on their service and ported all of my numbers over. I called XXXX XXXX and let them know that I was moving my service to another XXXX. 

A few days later I received a bill from XXXX for {$670.00} for less than XXXX of XXXX XXXX that never worked. When I disputed the bill with them, they refused to lower it and told me that unless I paid them they would send my account to collections. I now have a collection on my credit for what amounted to a non-working product and horrible customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

My Wells Fargo account was inactive as I had switched over to XXXX and was using it primarily as a savings account. They were not happy with that and sent me letters saying due to inactivity my account was frozen which was fine because I wasn't actively using the money. Around XX/XX/2017 I finally got around to going to the bank to close out my account and consolidate my finances. It was at that time I was told there was no money in my account. Wells Fargo had sent a check for the amount in my account to my associated address which as a young person I move a lot and was 3 addresses ago. I inform the accountant about the situation and she calls head quarters to cancel the sent check. It was quite a process. Eventually the check is cancelled and she gives me a number to call after 5 weeks so they can process it. The number she gave me is to NJ unclaimed money. Now I have to jump through hoops, supply documentation, get something signed in front of a notary to get my money ( >11k between both savings and checking account ) which Wells Fargo deemed appropriate to send through the mail before without confirmation but now can't be bothered with fixing their mistake
Product: Debt collection

I received a notice from XXXX XXXX XXXXXXXX that I never heard of ... It says Apple ID It says the account # is XXXX .... {$10000.00}. I have never had this account ... .. Apple Recovery Services , XXXX  XXXX, XXXX XXXX , IL XXXX is who sent me the notice ... It is not even a correct address..
Product: Debt collection

This is not my account I have asked for the company to validate the debt and they have not I want this removed as it is false.
Product: Debt collection

1. ) An account was opened in my name on XX/XX/2020, with a credit limit of {$1600.00}. 
The last payment processed on the account was XX/XX/2020. 
In XXXX of XXXX, allegations were made against the XXXX company regarding child trafficking violations. 
At that time, proclamation of bankruptcy due to economic uncertainty was reputed and no further statements were received requesting payment.

2. ) After reviewing my account, I attempted to contact the agency on ( 3 ) different occasions petitioning confirmation of the unproven debt and obtained no response each time. [ See attached documentation. ] 3. ) It is my conclusion, that this inadequacy in communication allowed Midland Credit Management to continuously charge late fees despite my efforts in contacting them for validity of the alleged debt. 
4. ) My credit card limit, again, was {$1600.00} and the last purchase made was on XX/XX/2020 this would substantiate my submission that my credit card was clearly not at maxed-out capacity. 
5. ) Per my initial offer on XXXX, I requested full verification of the reported debt if not contacted by MCM within 15 days. My invocation was unacknowledged. [ See supporting documentation. ] 6. ) Within a timeframe of one month, this unverified debt would be considered time barred as the statute of limitations to retrieve a debt is 3 years. It is my perspective that Midland Credit Management intentionally withheld information regarding my account and declined to disclose details ; to profit financially from the accumulation of fees up until the statute of limitation was at capacity. 

Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Yesterday XX/XX/2024 at XXXX I deposited a check for {$2000.00} and received a receipt saying the Funds would not be available until XX/XX/XXXX ( XXXX business days, XXXX calendar days ). The ATM does not advise how long deposits will be held, nor does Chase conspicuously notice its policy on check holds. Once the check was deposited, the teller claimed neither he nor a bank XXXX could retrieve my check or void the transaction but gave me a number to call to see about getting the hold released. After a XXXX minute wait on hold a Chase representative answered the telephone and advised me the hold could not be removed until after the check was out of pending status in a few hours. I was told that if I called back after XXXX the check would be out of pending status and I could get the hold removed. I called back at XXXX pm and after about a XXXX minute hold I spoke to a Chase representative named XXXX who told me that the pending status would change before midnight and I could call this morning ( XX/XX/2024 ) and see about getting the hold released. 

My understanding is that XXXX XXXX  XXXX allows banks to hold checks a reasonable amount of time which is XXXX or 3 days but no longer than XXXX. It appears to me Chase is clearly violating the Federal Reserve XXXX as to holding checks, and providing notice. They also are deliberately misleading consumers as to who can release holds and when they can release them forcing consumers to spend valuable time on hold on the phone just to be lied to, mislead and patronized when attempting to cash a check. I also believe they are being disingenuous about being able to return a check from the ATM or void an ATM transaction, especially when the transaction was conducted at an ATM located in a Chase Branch lobby.
Product: Credit reporting or other personal consumer reports

Filed ftc reports! Asked for verification. Sent documents with name misspelled
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT IS BEING MISMANAGED BY THE CREDIT AGENCIES SINCE THE CREDITOR IS SENDING INACCURATE INFORMATION WHICH IS SIGNIFICANTLY AFFECTING MY ABILITY TO GROW MY CREDIT SCORE THE HIG BALANCE OF THIS ACCOUNT IS INACCURATE THE LAST ACTIVITY IS INACCURATE THE CLOSING DATE IS INACCURATE IN ALL 3 CREDIT BUREAU AND THE ACCOUNT RAITING IS INACCURATE I DEMAND THAT THIS ACCOUNT BE DELETED FROM MY CREDIT BUREAU SINCE IT IS REPORTING MOST OF ITS INACCURATE INFORMATION XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I got a XXXX XXXX for XXXX service at XXXX XXXX In XXXX FL. The credit was fro {$9000.00} for XXXX services of {$4000.00}. At the time of receiving the credit for 24 months 0 % interest, nobody explained to me that after 24 months ( XX/XX/XXXX ) I was going to be charge interest for the entire treatment amount of {$4000.00}, regardless of any remaining valance. I was under the impression that the {$660.00} payment I had left, was the only think I was suppose to pay this month. I was shocked today when I log into my account to make a payment and noticed that i was charged {$1100.00} interest. 
I called Comenity Capital Bank to get an explanation and advise about the paperwork I have from XXXX XXXX, which does't mention anything about paying high interest after 24 months, but they said they sent notification on the bottom of my statement that I never saw until today because i signed up for paperless and the only emails I've received from Comenity Capital Bank were about payments reminder. 

please let me know how you can assist me with this issue! 

thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are showing accounts that do not belong to me. I filed a police report about the identity theft or incorrect information months ago. There have been some of the inaccurate things removed but others still continue to populate the reports. There are also inaccurate prior addresses that they still have not removed as well as some inquiries. There is a company " Credit Collection '' saying I owe two different accounts XXXX*** and XXXX*** both on my Experian and XXXX  Reports . There is also an XXXX  account XXXX**** that was never mine..
Product: Credit reporting

Experian shows that I have XXXX hard pulls of my credit report by XXXX, XXXX on XXXX/XXXX/16 and XXXX on XXXX/XXXX/16 that I did not authorize. I have not applied for any credit on those dates or within several months. I contacted the phone number supplied by Experian for the company requesting the credit reports, and that credit card company had no record of requesting any credit reports for my account. I have initiated a fraud resolution case with Experian 's " Protect My ID '', but would like the credit report pulls removed from my credit record.
Product: Mortgage

On XX/XX/2021 I contacted XXXX XXXX ( a mortgage broker XXXX XXXX ) for the purpose of obtaining a home equity loan. They put me in touch with American Pacific Mortgage loan application # XXXX ( file # XXXX ). I was dealing with XXXX XXXX one of their loan officers. I spent close to 6 weeks gathering massive amounts of my personal financial information for the purpose of securing a home equity loan. Some days, I would spend upwards of 6 hours trying to obtain, scan and email this information to XXXX at American Pacific Mortgage. 
Just when I thought I was ready for closing more and more documents and explanations were required. I complied for each item requested. 

On XX/XX/2021, I first received a good faith estimate of the closing costs. I was under the impression that I was supposed to receive it within 3 days of applying. After doing all the work for about 6 weeks, I then was told that I couldn't qualify for {$160000.00} loan. 

I got so frustrated and tired I cancelled the entire application because their customer service was lacking and it affected my health.
Product: Checking or savings account

Citi bank continuously for a year illegally withholding money from my account and never credited the sign up bonus to my account after all conditions have been met almost a year ago. The bank has been informed and sent by regular mail already twice all the documents they needed signed back to them, however, they continued to withhold the money from my account on a monthly basis and never credited my sign up bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

New Dispute, EQUIFAX will not let me access my report according to law with ease, since I've put in complaints as well as certified mail EQUIFAX will no longer let me in to view my profile. I am Depressed Very Bad, EQUIFAX is hurting me causing damages where as i am moving this month and can not let them check my credit due to EQUIFAX dropping my score drastically. It has cause headaches and pain not to mention XXXX knowing, my chances are next to none now because of EQUIFAX. I've did some of my own research and found on public law this is Identity Theft, As I Search Public Law 18 USC 1028a that is Aggravated identity theft, I do not consent to EQUIFAX Furnishing, Housing or producing my personal Information. I did not give written consent for XXXX to do so. As I Search Public Law 15 U.S. Code USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. All Codes Public Law Keep all Accounts Remove negative Information
Product: Credit reporting, credit repair services, or other personal consumer reports

It is EXPERIAN 's duty pursuant to the FCRA to be reporting correct and accurate info on my credit report and file, however they are NOT. EXPERIAN is reporting 6 inaccurate late payments for the XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX, a 60 day late payment posted in XX/XX/XXXX, a 90 day late payment posted in XX/XX/XXXX, a 30 day late payment posted in XX/XX/XXXX, a 60 day late payment posted in XX/XX/XXXX, and a 90 day late payment posted in XX/XX/XXXX. 
Furthermore, pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as ato transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 USC 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputations severe harm and discrimination.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act s the credit bureau, 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 an account without my written instructions. 

However the credit bureau XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX
Product: Debt collection

PINNACLE CREDIT SERVICES # XXXX I found a unverified account on my credit report. I was incarcerated at the time this account was open so it has to been some type of fraud. This is not my account. I have proof that I was in jail during the time this account was opened.
Product: Credit card or prepaid card

In XX/XX/2019 I made a payment of my account balance in full, 1 day late. I received a late charge for {$25.00}. I paid this late charge in XX/XX/2019. This was credited to my account 1 day late, so I received a statement with a {$25.00} late charge for the late charge. There was no other balance on my account. I requested removal of this fee as there was no statement balance and under 12 CFR 227.15 it is unfair to charge a late charge when the sole balance is a late charge. The company has refused this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to secure a " refund '' check for {$85.00} from XXXX for an over payment of my bill for over 35 days without resolution. 

The XXXX Billing Department refers me to XXXX Department who refers me back to Billing Department. One unnamed XXXX XXXX. agent on XXXX XXXX, XXXX tells me it 's their error and a refund check will be issued by their XXXX Department " within a few weeks ''. 

Then today, on XXXX XXXX, XXXX, 35 days after initial contact via email, the same unnamed XXXX XXXX. agent tells me " check refunds can take up to 10 weeks to receive '' while also telling me the XXXX XXXX. " requested a refund '' on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX. 

It appears the XXXX XXXX. and or XXXX XXXX. at XXXX  are not doing their job in issuing refund checks in a timely manner and should be investigated immediately.
Product: Credit reporting or other personal consumer reports

Experian did not take sufficient steps to intake, process, investigate, and notify me about my consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on my consumer report impacted my ability access to credit, employment, and housing. 

When I disputed errors on my credit report, Experian conducted sham investigations rather than properly reviewing the disputes as required by federal law. Credit reporting errors have had serious consequences for my finances, and it is critical that Experian follows the law. Letters were sent on but not limited to the following : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have initiated a small claims lawsuit against Experian Information Solutions , Inc., under case number XXXX, filed in the XXXX XXXX XXXX Courts of XXXX XXXX XXXX, Colorado. This legal action stems from your repeated failure to maintain the highest possible accuracy of my credit reports as mandated by the Fair Credit Reporting Act, specifically under 15 USC 1681e ( b ), 1681i, and 1681s-2 ( a ). Despite my numerous disputes, there has been a consistent lack of proper investigation and correction of inaccuracies. The continuance of these errors on my credit report has significantly harmed my credit standing and financial opportunities.

I have been a victim of the following and current CFPB suit claims : " When handling disputes, Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. Experian routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, Experian sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent. 

Experian has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline. Instead, Experian improperly reinserts inaccurate information into consumer reports because it fails to match newly reported information with records of previously deleted information. Consumers who have disputed the accuracy of an account and thought that their consumer report had been corrected, instead see the same inaccurate information reappear on their consumer report without explanation under the name of a new furnished. ''
Product: Mortgage

Mortgage Service Company : Shellpoint XXXX XXXX XXXX XXXX XXXX XXXX Please note the following : Shellpoint added {$250.00} to our loan around XXXX XXXX XXXX XXXX XXXX. We have requested information from Shellpoint regarding the reason for this charge but have not received any response. Additionally, Shellpoint has been frequently adding {$25.00} fees to our mortgage balance, as if we were paying late. It appears that Shellpoint might be intentionally delaying the processing of our payments to impose these {$25.00} late fees. 

So far, Shellpoint has added {$75.00} in late fees to our account. Bank representatives have assured us that these fees would be removed, but the adjustments have not yet been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT this creditor 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 a account without 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 a late for any purpose.