23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX from XXXX XXXX, in Florida, on XXXX XXXX XXXX. I informed them I would finance it through XXXX. I specifically called Equifax to remove a freeze so XXXX could do a credit inquiry. I subsequently noticed 3 credit inquiries, two for XXXX and one for XXXX XXXX. Also, XXXX shows an inquiry for XXXX and one for XXXX XXXX. 

I called XXXX XXXX to inquire as to why there was a credit inquiry from XXXX XXXX when I told them I 'd finance through XXXX. I was promised a return call. I waited a week and tried again. Same result. I submitted a " talk to the GM '' to XXXX XXXX management through their website, which promised a response within a day. No reply. I tried again, no reply. I called again, now in XXXX, and spoke to the finance manager, and she said she could n't help since it was more than 30 days. I requested the issue be brought to the attention of her management and she reluctantly agreed. I still have not heard anything and it has been 6 weeks since that discussion. 

I did not request, nor authorize financing or inquiries from XXXX XXXX and would like that inquiry removed. I also dont fully understand why XXXX needs to do two credit inquiries for 1 sale.
Product: Credit reporting or other personal consumer reports

XXXX of Inaccuracies : I am filing this affidavit in response to the continued erroneous reporting of a XXXX on my credit report by Equifax, which is absent from my XXXX and XXXX credit reports. 

I have disputed this inaccuracy multiple times through formal disputes sent directly to Equifax. Despite these efforts, the bureau has failed to correct this error. 
Attached Evidence : Exhibit A : XXXX Credit Report ( No bankruptcy listed ) Exhibit B : XXXX Credit Report ( No bankruptcy listed ) Exhibit C : Erroneous Credit Report from Equifax showing the disputed bankruptcy. 

Affidavit is attached.
Product: Debt collection

I went to visit this doctor for the first time. I clearly made an appointment with his doctor with my dental insurance which they also made a copy of. If this was a paying visit why was I not charged before services? They clearly took my dental insurance as they made a copy of my insurance card. Not sure why I my credit is being damaged for a medical bill when I have insurance coverage. I have attempted to contact this carrier several times to no avail
Product: Debt collection

Today XX/XX/16 I received a call from a person identifying themselves as Jefferson Capital representative. 

He asked if I was XXXX XXXX and I replied yes. She immediately went into giving me the mini XXXX and then proceeded to disclose a debt with XXXX XXXX. 

I then stopped him and advised him that he had not completely verified me to disclose a debt being owed. I advised that he was violating FDCPA. There are multiple XXXX XXXX 's in my area. I asked for his XXXX 

The XXXX gave the name of XXXX. He then did the same thing. When I advised him this was a violation and that I am a XXXX at a XXXX XXXX, he advised he did not think it was a violation. He advised if I told him I was not the correct person by a name, then they would obtain information like a social I let him know that he just disclosed a debt and verification would not have been completed by just a name. I told him there was nothing else to discuss and I would be reaching out to take this legal. He then stayed on the phone in the background as I was discussing this with a friend and contacting my legal department. 

It was not until I advised him he needed to end the call as there was nothing else to discuss again that he actually hung up.
Product: Debt collection

I received a credit alert from XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX that CBE made a change to my credit report on or about XXXX XXXX, 2016. I do not know what this attempt is to collect the debt, however, XXXX XXXX has attempted 5-6 times to collect this debt I do not owe and has not provided the services contracted since XXXX XXXX, 2016. Services was contracted with XXXX XXXX and has been contracted with XXXX XXXX for approximately 14 years when recently ( last 1 1/2 years ) and is currently still under contract, the contracted provider started charging excessive fees, interrupted services, billed for services not contracted, failed to render services as contracted, and closed the account without authorization or consideration for number portability. Failed to respond to FCC complaints. ( FCC Complaint # ( s ) : XXXX, XXXX, XXXX, XXXX ) Requesting for consumer, XXXX XXXX XXXX to pay to terminate contract and services not provided and/or billed. Will attach additional information pertaining to payments and services. This is the second collection agency obtained by XXXX and I have not been provided the services I contracted since XXXX XXXX, 2016. 

This letter from XXXX XXXX references a home-based internet line : XXXX that was not further contracted after XXXX XXXX, 2016 when the contract ended. It was under the same account number ( XXXX ) as the voice ( talk, text, and data ) line reported : XXXX to the FCC after the line was disconnected on XXXX XXXX, 2016. XXXX is still contracted. I have not agreed to terminate my contract ( will not be paying an early termination fee of {$140.00} ) for this line and XXXX does not have this line connected for use as anyone that attempts to contact this number can understand when calling this number. This is the third attempt to collect on a XXXX bill in which services have not been rendered. I will not be paying for non-contracted services, services not rendered under this account or for not having service. You have been paid all you are due. 

XXXX XXXX has solicited multiple companies to collect on a debt not contracted, owed, or due and all have ceased collection activity on their behalf and notified both the consumer and the CFPB that collections have been ceased. XXXX has been the most recent company to cease collection on behalf of XXXX XXXX concerning this matter. Now on this attempt, XXXX has changed the number in specifics as to what the collection is indicated for ; indicating a contract for internet that was not renewed on XXXX XXXX, 2016 due to no longer needing it. I will file a complaint with XXXX as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage and my broker opted out of getting scam calls. So far, from XXXX until now ( XXXX ) I have received over 30 unsolicited phone calls, and all but 2 have been using spoofed phone numbers ( which violates FCC regulations ). The callers hang up if I don't specifically say yes or no during the phone call, which is a huge red flag indicating these are scams. All of the callers use generic company names ( i.e. XXXX XXXX ) which return dozens of companies using this name, and none of which are located in the area code they are calling from. 1 caller has even referenced Transunion specifically as the source of their information and 1 claiming to be with the VA confirmed he got my information from the credit run. I never authorized these XXXX credit agencies to sell my information to thousands of scumbags.
Product: Mortgage

XX/XX/XXXX my house went into forclosure my mom passed left house to me but loan was still in her name when we came to agreement to continue payments i was told by fay to  get my home owners insurance so i did it was sent over 3 times i have record of it they continue saying they never got never got it my insurance company called several times and come to find out they fay was chatging me insurance for a whole year wen i had my own they say they sent sent check refund never got it everytime i call i get no answers no returned calls nothing i have made several complaints and no response i need my money for all the insurance they charged me additional. For a whole year XX/XX/XXXX to XX/XX/XXXX Account XXXX XXXX ( deceased ) Account holder now XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I must contact my attorney and pursue legal action. 

Heres the list of the questionable items : XXXX XXXX XXXX - Account NumberXXXX I don't recall having late payments on this account XXXX XXXX XXXX - Account XXXX Please verify and validate all data for this unproven claim including the requisite certifiable XXXX XXXX Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement, and all of its trailing fragments, and any other necessary aspect of factual reporting XXXX - Account NumberXXXX Please remove it from my public record XXXX - Account Number:XXXX  Please supply information on how you have verified this item. 
XXXX XXXX XXXX  - Account NumberXXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Im sending thi complant again, to inform you, that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$1000.00} XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$780.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX XXXX XXXX WV XXXX XXXX XXXX Balance {$560.00} XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$780.00} XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. These items are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, Experian, and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX, Experian, and XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, their actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure they complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I have marked as inaccurate. I want the following accounts removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you!
Product: Prepaid card

On XXXX the XXXX my car loan company accidentally double charged my account. I contacted them and they refunded the funds well by Wednesday the XXXX these funds were still pending. I contacted rush card and they assured me my funds would be posted by Friday. That never happened, I called rush card and I held for over an hour finally a lady came on I explained again what happened she then called my auto loan company on XXXX way and was told they already refunded the amount and on their end it was adjusted and closed she even gave the transaction number. The rep assured once again that the funds should post with in the hour. I went to make a purchase XXXX hours later and my card declined. I called back held for another XXXX hours she then told me she escalated the issue and the funds will show available. Again no money has posted of course I call back held for another hour only to hear the guy did n't have access to the system and after he offered a supervisor rudely hung up on me. It 's wrong and unfair it 's been over the time frame they gave and I still do n't have my money which means bills ca n't get paid and o ca n't make purchases to take care of my children. Rush card customer service if rude absAnd unpleasant I have been patient but this is over board.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage XXXX % Balance {$150.00} Balance updated XX/XX/XXXX Credit limit {$450.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Card tatus Account charged off. {$150.00} written off. {$150.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$150.00} Highest balance $ XXXX Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX  XXXX, MO XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXX FCU XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The XXXX AND TRANSUNION Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In XXXX of XXXX Citizens Bank used our mortgage payment to purchase homeowners insurance. My agent and I both faxed proof of insurance to Citizens. By the time this was corrected by Citizens it was XXXX of XXXX. In the meantime I continued to make my monthly payment, we have NOT missed any payments. Citizens Bank still has us a month behind on our mortgage from the payment they used in XXXX for insurance. Because of this they are charging late fees and the collections department is calling us weekly. I have just now received another letter from them regarding lack of homeowners insurance. I have had my agent fax them proof of insurance and I have as well. I have called and spoken to a different person every week regarding this. Someone is always going to call me back, no one has ever called. I have left messages for a XXXX XXXX every week since XX/XX/XXXX and she has never returned my call. The only people I can actually talk to are in collections. Once they read the notes on my account they say someone is working on it and will get back to me, As of today no one has called me. There has been no money sent back to me and Citizens has over {$1000.00} sitting in a suspense account that I can see when I check my account on line. I received a letter from XXXX in XXXX stating they had refunded money to me but I have not received anything. THIS IS MY SECOND COMPLAINT! I can not speak to any one at Citizens and am in need of some help. 
Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately 6-8 mos ago, and several months before this, I received a call from Capital Management Services, XXXX, looking for XXXX XXXX for payment of a credit card account. This is my ex-husband. We were divorced XX/XX/XXXX. There were no mutual debts at the time of our divorce. I even informed them that I heard from a friend of his, that he died sometime in XXXX. I requested that this company please remove my phone number from their records. To date, they have not done this because I received a call, again, looking for XXXX XXXX. I am tired of being harassed by these people, who obviously do not know how to check whether a person is living or not. Can something be done about this, other than what I am doing?
Product: Debt collection

This is a follow-up from a previous complaint ( XXXX ) that was closed, but not resolved. National Credit Systems continues to falsely report on my credit file for XXXX and XXXX. The last response from this company was that they would forward me valid documentation as proof of an alleged debt truly owed to them. I have yet to receive such documentation. Either 1 ) they never sent it or 2 ) They sent documentation to another party and they are reporting the debt under the wrong person. 

I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon ordering a credit report from Experian in XXXX i called multiple times because i notice Experian is reporting fraudulent addresses and information on my credit file ... ... on XX/XX/XXXX i spoke with an employee by the name of XXXX and told her that my information such as my name, date of birth and social security number was hack and stolen in the XXXX XXXX XXXX back in XXXX and those addresses are fraudulent and i do not live there and the information is inaccurate and its a violation of FCRA ... ... XXXX told me that i could not dispute inaccurate addresses and i would need to wait 7 years until the address removes on its own, so i ask for an email, address or fax to experian so that i can provide supporting documents, she told me Experian does not give out that information and the addresses cant be disputed. 

on XX/XX/XXXX i called and spoke with XXXX and ask to speak with a supervisor and was told there is no supervisor to talk to, then i ask XXXX can he provide me with Experian hXXXX office phone number, email or address because i wanted to file a complaint, he told me its against experian policy to give out the companies information. 

I believe Experian is knowingly reporting inaccurate information on my credit file
Product: Debt collection

PDQ Service Inc. has requested an amount I dont owe. I have provided documentation from XXXX XXXX. Courthouse showing the debt owed and refused by XXXX XXXX. PDQ Service Inc. still demands and reports the incorrect amount. Considering that this is an landlord debt, this is hindering me from moving. I have trying to resolve this for the duration of the last few years it has shown up on my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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 response resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

This time last year I mail in a payment of XXXX twice in the month of XXXX, the mortgage company contacted me stating they could not find the money orders. I faxed over a copy of the reciepts for money orders and then they said they found one and not the other. Finally they found the other by then it was two three months later which put me behind a couple payments at the time. I tried to do a pay down payment plan for payments that where behind I was told to do loan modification and I went through that process but keep getting the run around on that, I sent in all paperwork from income verification and bank statements, everytime sent these items in they add a different month on these documents. I just sent another round of documents which also included my wife 's income and now they saying they need more bank statements and proof of income again I have sent these documents several times, I am desparetly trying to stay in my home and keep getting the run around meanwhile money is incruing on this account. please help save my home.