23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have disputed several incorrect and inaccurate items on my Experian credit report. Unlike XXXX and XXXX, who both performed proper investigations and ultimately removed the accounts from my reports, Experian never performed a legitimate investigation. I received a letter from them dated XXXX XXXX, 2015 that they previously processed my disputes and that the credit grantor has verified its accuracy. This is impossible because the other XXXX credit reporting agencies were unable to verify it, thus deleting the bad information. Furthermore, Experian refuses to reinvestigate the same dispute. This is absolutely ridiculous. So instead of submitting electronic disputes, I sent dispute letters in the mail. I received another letter dated XXXX XXXX, 2015 saying that Experian believes they received suspicious requests in the mail regarding my personal credit report and determined it was not sent by me. How can they possibly determine this when the return name and address on the letters belong to me, and I personally signed each letter and included my social security number. They simply refused to comply to my dispute requests and delete inaccurate information they are displaying from the following creditors : XXXX XXXX, XXXX XXXX XXXX and XXXX Bank. Moreover, they have restarted the 7 year time clock for which these tradelines naturally drop off of my credit report which is yet another violations of the FCRA. I am utterly disgusted with Experian and request a full investigation of their practices along with my ignored disputes.
Product: Checking or savings account

On XX/XX/year> around XXXX XXXX. Please don't order a XXXX  to the restaurant. XXXXXXXX XXXX I have to resume an hour every single fool. I noticed why in the fool half of it was hot and half of it was cold. Obviously from working in restaurants. That means the food is under cooked. That was not brought to the temperature of XXXX. Next day I was busy. I had to go to work so by the time I contacted XXXX, they stated that they couldn't give me back my refund due today XXXX or XXXX hour policy, so I reached out to XXXX. Who told me now that they can not give me a refund because it's come through. A third party after XXXX weeks of deliberate, XXXX told me to contact my bank and dispute the transaction which I did, but Cash App failed to give me back the money.
Product: Credit reporting or other personal consumer reports

Up on reading my Chexsystems report that Chexsystem have maintained under my Social Security number. ChexSystems is currently reporting these two fraudulent accounts under my Social Security and name. I did Not consent benefit or authorize any of these following accounts ; XXXX  XXXX XXXX : XXXX  anXXXX XXXX XXXX XXXX XXXX  Account. This is a violation of my rights this is defamation, negligent and enablement of identity fraud in violation of the Fair Credit reporting Act. You check system reporting false information is hindering me from opening bank accounts I asked that this information be immediately deleted from the file you have under my Social Security number.
Product: Credit reporting or other personal consumer reports

Unfortunately I have been the victim of a data breach and as a result I have discovered several inaccuracies on my credit report and subsequently reached out to the credit reporting agencies to address these issues. however, the credit reporting agencies have not adhered to Federal Trade Commission regulations and have failed to correct These discrepancies, this noncompliance represent a clear infringements on my consumer rights I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Pursuant to the laws 15 USC 6802, 15 USC 1681C2 and FCRA 605B I demand that this account be removed within XXXX business days As permitted by federal law. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of this name must be removed. Addresses. Only the address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And the address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX They must be removed immediately In the birthdate/year of birth field XXXX this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. XXXX XXXX " this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report. Late payments XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Late payments XX/XX/XXXX Account name XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account name XXXX XXXX account number XXXX date opened XX/XX/XXXX late payments XX/XX/XXXX XX/XX/XXXX Accounts to be deleted XXXX XXXX XXXX Account number XXXX. This account is reporting XXXX account. {$570.00} past due as of XXXX XXXX but this is a collection account legally, a collection account can not be reporting as a past due balance as the account already has been sent to collections. This account is reporting in accurately and must be removed from my report immediately. Pursuant to the laws 15 USC 6802, 15 USC 1681C2 and FCRA 605B I demand that this account be removed within XXXX business days As permitted by federal law
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent {$2000.00} to my bank account at XXXX thru Western. Two days later when I noticed the money was not in my account, I called Western Union. I was told that the funds were delivered. I kept on calling and every time I am told that the claim will be escaladed and have the claim department look into it. By the time I called again, the claim have been closed. They have to reopen a new claim. After many attempts, I requested to speak to a supervisor, who after a long conversation after I provided my account number, I was told it was not correct. I went back and looked at the receipt and discover the last number from the receipt is different from my bank account. I shared that information with the supervisor who confirm the information. He later told me to call my bank and ask to respond to they request to return the funds. I call XXXX they started an investigation and stated the account is non existing therefore they returned the funds. 
In conclusion, the said they they do not have my {$2000.00} and Western Union is saying that the funds were delivered. The manager from XXXX called as well, he was told the that the funds were delivered. He even explain to them it was his associate who entered the account number wrong none of that made any difference. 
call log : case # XXXX case # XXXX XX/XX/XXXX spoke to an associate I was to wait for a call in 24-48 hours. 
XX/XX/XXXX I never received a phone call so, I called back. I was told that the claim was closed and will be reopened. 
XX/XX/XXXX Spoke to XXXX XXXX XXXX I spoke to Supervisor XXXX XX/XX/XXXX Supervisor XXXX XXXX I was told to expect a phone in 72 hours XX/XX/XXXX went to XXXX XXXX supervisor called Western Union XXXX 
I need your help! I am getting no where with all my efforts.
Product: Debt collection

I received a Notice of Collection Placement letter from EOS CCA on XX/XX/XXXX. The original creditor was listed as XXXX for {$40.00}. I have received no bill from XXXX at any point before this, and I have a wireless account from them that is in good standing. I called the number for the Consumer Relations Department for EOS listed on the back on the notice. This was XX/XX/XXXX at approximately XXXX XXXX. 

I was connected to an associate who I believe said her name was XXXX. She asked for the account number listed and I gave it to her. She then asked if she was speaking to XXXX Something of a city in Pennsylvania. I said she was not. I am in no way related to this person. She then read me the last three digits of this person 's social security number, which seemed strange, and I said again that that wasn't me. She then apologized, and asked if she was speaking to [ my name ]. I said she was. 

XXXX then asked for some personal information ( I don't remember what it was ), but I said I was uncomfortable sharing that based on what had just happened. She said she understood and apologized again. She used the word " actually '' often throughout the call in a way that seemed strange. 

I asked for information on this debt, she said the company it was from and the amount. She mentioned the date of the service for the charge -- it was a service provided over two years ago that I had worked out payment for with XXXX itself at the time, and I have not received a single bill from XXXX since then. I have no reason to believe I owe them any money. XXXX then told me unprompted that someone else she knew had that issue and they called XXXX but they were referred back to EOS, the collection agency. I asked if there was documentation of the charge and she said, yes, XXXX had supplied the documents. I asked to see them. She said she could send them to my email. I said I also wanted to know how to open a dispute. She didn't answer and asked if I would be closing the account today. I asked if closing the account meant paying the charge, and she said yes. I said I wanted to see the documents from XXXX because I did not think I owed any amount. She then said she could email me documents and asked me to hold on a moment so she could arrange the documents -- I could hear typing in the background for a number of seconds, then the phone cut off. 

This was extremely alarming behavior for a debt that I believe I do not owe. I'd like to find out if I do, in fact, owe anything, how I can see those alleged documents from XXXX and how I can dispute this debt if necessary -- but I now feel extremely uncomfortable going through the collector, EOS CCA, and I suspect the debt is not real. Thank you for any help you can offer.
Product: Credit card or prepaid card

Captal one told me the account was fraudulent don't have pay it back and other close but it so delinquent by Capital One XXXX  XXXX turn around sue me.
Product: Debt collection

XXXX is the company.

This was discharged in Bankruptcy as listed on my credit reports of Equifax and XXXX.

On my XXXX XXXX, it does state Discharged in Bankruptcy which is correct. 
What is NOT correct is that this account is listed by XXXX XXXX under collections. My lawyer has advised that once an account is listed, it must have a XXXX   balance, and closed along with no negative information other than the remarks of Discharged in Bankruptcy. 

I have contacted XXXXXXXX XXXX  and they advise me to contact Equifax, XXXX  and XXXX. 
I have contacted all three of them and they have confirmed that per their files, XXXX, Equifax and a XXXX  that this accounts is not listed as collections, but Discharged in Bankruptcy.

The issue I have is that XXXX XXXX states the information is correct as listed.

I dont understand why no one from XXXX XXXX  can correct this. The 3 comp
anies confirmed it was discharged and closed.

XXXX XXXX   will not remove this account from collections to closed.

This is fraudulent information on my XXXX XXXX  account from an agency that sends out my credit information and score. 

Please help me I have been going back and forth with them, no one will help me, they keep saying investigation confirm, this account is in Bankruptcy. 
Which I have advised for the past 8 months, that is true. 
I want them to move my file to closed. 
What can I do, this is nit right. Can you help me on this please and advise, what I can do.
Product: Mortgage

( 1 ) : My XX/XX/XXXX Mortgage Statement from Citizens Bank shows an Escrow Balance of {$3100.00}. This was carried over from the XX/XX/XXXX Statement. By the end of the year, all Escrow Funds should have been paid out and the balance at or near XXXX. 

( 2 ) : In late XX/XX/XXXX, I received a letter from the XXXX XXXX Tax Authority that my XXXX County Tax was not paid. Upon checking further, I found that the XXXX XXXX Property Tax and the XXXX XXXX School Tax had not been paid for the entire year as well. Citizens Bank, through a third pasrty, XXXX XXXX, Provided incorrect property identification information, incorrect tax amounts to each tax entity, and these paymentys were returned to Citizens and Citizens re-entered them to the Escrow Caaount as TAX REFUNDS and did not follow-up any further. 

( XXXX ) : In late XX/XX/XXXX, I wrote ( 3 ) three personal checks, one to each of the tax entities from my personal check account in the amount totalling {$6700.00}. These fees included late payment charges due to Citizens failure to abide by the terms of the Mortgage Agreement, Section # XXXX. 

( 4 ) : As of this date, and after repeated calls to Citizens Bank Customer Service Department, they have finally agreed to refund the excess fund they are holding after asking me what they should do with the money? 

( 5 ) : I have requested that Citizens waive collecting these Escrow Funds from my Mortgage Statement. Over the past year and including the first four ( 4 ) months of XXXX, they have eloquently demonstrated their inability to control my frunds. I have been denied my request for a waiver, Based on the investor of your loan, ( never named ), property taxes, applicable special assessments and property insurance premiums are required to be collected as part of your regularly scheduled payment and held in an escrow account until theyre due. This is the quote from therir denial letter. 
However, Section 3 of the Instrument Agreement prepared by : Citizens Bank , N.A. states partiallyLender may waive Borrowers obligation to pay the Fundsfor any and all Escrow Items at any time. Any such waiver may only be in writing. This information is on page 6 of 20, Uniform Instrument Modified For Department of Veterans Affairs MERS 1/01 ( Rev. 2/16 ) As of this complaint, Citizens Bank has withdrawn funds from the Excrow Account, did not list or identify where or why these funds were withdrawn and continue to deny any of my requests for a waiver.
Product: Credit reporting or other personal consumer reports

Experian Credit Monitoring regularly uses DARK PATTERNS to confuse and convince users to agree to their monthly payed credit monitoring service. 

Every single time you login to the platform, you are prompted to sign up for the paid membership. This screen and navigation is made to look like part of the login process, but is in fact signing you up to be charged $ XXXX/mo for their paid service tier. 

Further more, it is impossible to unsubscribe from their marketing/upsell emails because they are considered " account related '' which they are not. 

They are also gatekeeping ways of improving credit scores to consumers that are on their free tier. Experian is abusing every single consumer communication and product in its arsenal. Please do more to keep them above board and inline.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 my Credit Score dropped XXXX XXXX XXXX XXXX XXXX is reporting false on a account thats on auto pay & the balance is decreasing every month
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a charge off to my credit that should not be on there. I never received any kind of notice that this account had gone past due and no longer had auto payments nor did I get a notice that it charged off. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.
Product: Credit reporting or other personal consumer reports

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

This letter is a request for a detailed account of the steps your company took when investigating the disputed item. Please provide a thorough explanation of how you obtained these results. Specifically, did you receive written notification from the company, or was it a verbal confirmation? 

Additionally, I would like the address you sent the request to or the phone number you used to contact them. Please do not send a generalized response outlining the standard investigation procedures. I am requesting a detailed explanation of how you received this specific response. 

Below is the account I am disputing : XXXX XXXX XXXX
Product: Vehicle loan or lease

Car was paid off on XXXX and I havent received the title. After calling a few times the representatives says the title release will be delivered after ten days. Almost 30 days after I still waiting for the title and they keep telling me the same thing over and over. This is not the first time that M & T has failed to their word. I want to close this chapter once and for all.
Product: Checking or savings account

Basically, I was using Chime online banking account and when I was working they allowed me to borrow some money from the " my paycheck '' option, where you can borrow a certain amount from your paycheck and since I got payed every two weeks this was a handy emergency lending solution. But I was wrongfully fired from my past employer XXXX XXXX XXXX. I was borrowing money for gas to look for a new job plus for food and certain things. When after a few weeks they took the lending part away and I could no longer see XXXX I owed it so I figured they took my last paycheck since I didnt not get one. And still dont know if the company took it or chime took it. Next I recieved unemployment. Since chime would work and XXXX XXXX wouldnt I still used my chime account for my unemployment. 
I was fired on XX/XX/2023. I recieved my first unemployment check on XX/XX/2023 and realized my back pay wasnt in there. I called the unemployment office and they sent me the correct papars to complete. So Tuesday XX/XX/2023 I spent all evening filling out applications because i desperately needed my back pay to catch up on my bills. Wednesday XX/XX/2023 I recieved my two back pay checks around XXXX pm estimated time and not even a minufe later chime stole my unemployment checks to backpay and settle a debt which I believe is illegal. I thought it was illegal to garnish wages that wasnt a state tax debt, child support or for one other reason that I cant remember off the top of my head at this moment. So basically Chime didnt give me a single warning and took out of {$290.00} they took {$230.00} plus {$11.00} for fees which was the majority of my {$290.00} backpay from unemployment. I think it is wrong to settle debt collection with unemployment and the worse part is I already had another job starting soon on XX/XX/XXXX and was going to use chime but since they didnt wait to take the debt back out of a regular paycheck while also claiming I need to sign up for direct deposit even though I do have my unemployment checks from direct deposited they have screwed me over every way possible. I called them ten times and its always some XXXX person you talk to that doesnt know U.S. Law about unemployment benifits and could care less. They were making fun of me with sarcasm and I am completely done with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom It May Concern, I have sent multiple dispute letters in regards to the following unauthorized Hard inquiries found on my credit report. These are fraudulent and need to be removed from my credit report. According to FCRA these should be removed As soon as possible. 
Carmel Finan received the last dispute letter on XX/XX/20 reporting to XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE PROBLEMS WITH THE XXXX COMPANY, I WAS THEIR CUSTOMER FOR SEVERAL MONTHS IN THE MONTH XX/XX/year>, I CALLED TO CANCEL MY SERVICES WITH THEM, THE PERSON WHO HELPED ME TOLD ME TO GO TO THE NEAREST XXXX STORE TO DELIVERY THE DEVICES OF THIS SAME COMPANY, WHICH WAS DELIVERED AT THE OFFICE CLOSEST TO MY HOUSE IN THAT SAME MONTH XX/XX/year>, AND MY ACCOUNT WOULD BE CLOSED, SO NO SERVICE OR BILL WITH THEM, IT TURNS OUT THAT I, XXXX XXXX, HAVE XXXX INTERNET ACCOUNTS WITH THEM, AT THE SAME ADDRESS AND IN MY NAME, WHEN I HAVE PROOF OF THE LAST PAYMENT I MADE, THEY CONTINUED CHARGING THE AUTOMATIC PAYMENT OF MY ACCOUNT AND WITHOUT SERVICES FROM THEM AND WITHOUT DEVICES FROM THEM, WHICH THEY CONTINUED CHARGING ME BILLS, WITHOUT SERVICE AND WITHOUT DEVICES, IT TURNS OUT THAT THEY SEND ME TO COLLECTION FOR LATE PAYMENT, ( 106.5 AND TODAY I SEE THE RESULT IN MY CREDIT REPORT THAT DROPPED 139 POINTS, THEN I CALL THE COMPANY TO ASK FOR INFORMATION ABOUT THIS CASE, THEY TELL ME THAT IT WAS AN ERROR OF SOMEONE WHO HAD SERVED ME AND THEY GAVE ME A DISCOUNT OF {$57.00}, AND I STAY TO CALL A SUPERVISOR, WHICH CALL HAS NOT ARRIVED AND I NEED THEM TO REMOVE THAT FROM MY CREDIT REPORT AND THAT DEBT WHICH WOULD NOW BE {$48.00}, AND THAT I RETURN MY SCORE
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX