23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I contracted with XXXX XXXX XXXX in XXXX, XXXX to conduct my move from XXXX to XXXX, XXXX. I paid for the entire move, over {$8000.00} on a Merrill Lynch, XXXX card which is owned by Bank of America. 
My move went horribly by the mover. XXXX split my shipment in to XXXX-differen shipments, with the second shipment arriving 19-days after the first. Many needed household items were missing from the XXXX shipment, in which we had to go out and purchase replacement items. 
I submitted to Merrill Lynch credit card to hold {$500.00} from payment, since XXXX was unresponsive to my requests. Merrill Lynch waited over 30-days and stated that company was entitled to payment, even though moving company did not live up to its contract.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the inaccurate reporting of several accounts on my credit reports across the three major credit bureaus ( Experian, XXXX, and XXXX ). These discrepancies violate multiple sections of the Fair Credit Reporting Act ( FCRA ), and I request an immediate investigation and correction of these issues. 

XXXX XXXX : There was no notice of dispute provided, in violation of FCRA Section XXXX ( a ) ( XXXX ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : The account was deleted off XXXX but remains on XXXX and Experian, without proper dispute notice, violating FCRA Section 623 ( a ) ( 3 ). 
XXXX XXXX XXXX  : There is an account on Experian with a balance of {$1200.00} and an open date of XX/XX/XXXX that was not deleted. Additionally, there was no notice of dispute, violating FCRA Section 623 ( a ) ( 3 ). 
Another XXXX XXXX XXXX  account is listed on all three bureaus with a balance of {$1600.00}, no notice of dispute, an open date of XX/XX/XXXX, and inconsistent payment history. This account has also been re-aged, violating FCRA Section 605 ( c ) and FCRA Section 607 ( b ). 
XXXX XXXX : No notice of dispute was provided, in violation of FCRA Section 623 ( a ) ( 3 ).

The account has been re-aged by over a year and is still listed on XXXX and Experian, violating FCRA Section 605 ( c ). 
XXXX is showing a late payment on a collection account, which is improper. 
XXXX XXXX XXXX : No notice of dispute was provided, violating FCRA Section 623 ( a ) ( 3 ).

The account has been re-aged by two years, violating FCRA Section 605 ( c ). 
XXXX : No notice of dispute was provided, violating FCRA Section 623 ( a ) ( 3 ).

The account has been re-aged and there is inconsistent payment history across the three credit bureaus, violating FCRA Section 607 ( b ) and FCRA Section 605 ( c ). 
XXXX : Only listed on Experian with no notice of dispute, violating FCRA Section 623 ( a ) ( 3 ). 
XXXX XXXX XXXX  : Another account is listed on all three bureaus with a balance of {$1600.00}, an open date of XX/XX/XXXX, no notice of dispute, and inconsistent payment history. The account has also been re-aged, violating FCRA Section 605 ( c ) and FCRA Section 607 ( b ). 
XXXX XXXX : No notice of dispute was provided, violating FCRA Section 623 ( a ) ( 3 ). 
The payment history is inconsistent, and the account has been re-aged, violating FCRA Section 607 ( b ) and FCRA Section 605 ( c ). 

Please find attached copies of my credit reports from Experian, XXXX, and XXXX, highlighting the discrepancies, as well as any correspondence related to disputes Ive filed directly with the credit bureaus and creditors.
Product: Debt collection

Ocwen Servicing Company LLC   XXXX   XXXX   XXXX   ...   XXXX   XXXX   XXXX   Florida ZIP code   XXXX   XXXX   XXXX   ... has been sending numerous bills claiming to be the servicer for our mortgage ... we have never received any notice from Ocwen we never did any business with Ocwen we have no contract with Ocwen ... they send numerous applications for a new loan ... some of the applications already have loan numbers on it ... their representatives have submitted false documents to the court ie.affadavits ... in support of   XXXX   XXXX   XXXX   companies foreclosure claims ... we have never even done business with   XXXX   XXXX   in any shape form or fashion ... on   XXXX   XXXX   XXXX   XXXX   we were told buy the   XXXX   XXXX   XXXX   that the case will be put on hold as requested by   XXXX   XXXX   pending investigation by the CFPB. Feel free to use our case in any way you like.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was the victim of identity theft in XXXX and XXXX 2014. Someone tried to open - and successfully did open - many credit cards in my name. After I got a call asking to confirm whether I had applied for an account, I realized what was happening and placed freezes on my accounts with the credit bureaus, contacted every credit card company I saw popping up on my credit report and every company that called or mailed me, and then filed a police report. 
XXXX and XXXX have removed all the fraudulent accounts and inquiries from my credit reports there, but Equifax refuses to remove XXXX items, a fraudulent account at XXXX and a fraudulent inquiry from XXXX, from my report, even after I have filed several disputes ( # XXXX, XXXX, XXXX etc. ) providing documentation that they are fraudulent, and even after XXXX and XXXX have XXXX each asked that they remove these items from my files. This is Equifax 's response each time I ask them to investigate the matter : & gt ; & gt ; & gt ; We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX, DE XXXX Phone : ( XXXX ) XXXX & gt ; & gt ; & gt ; We have reviewed the inquiry information for XXXX XXXX XXXX. The results are : Inquiries are a factual record of file access. Should you have reason to believe this inquiry was unauthorized, Please contact the creditor directly and follow their internal fraud procedures. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXXPlease help me get these fraudulent items off my account! I have a letter from XXXX, attached. Unfortunately XXXX procedure is to submit electronic requests to Equifax, so I do n't have a letter from them to attach, but you can contact them and they will confirm the account is fraudulent.
Product: Credit reporting or other personal consumer reports

I'm writing to complaint to EQUIFAX about the unauthorized inquiries on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft. My address is XXXX XXXX  XXXX XXXX XXXX, FL XXXX, and I go by XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. 
This is a legitimate inquiry of information and declaring.
Product: Credit reporting or other personal consumer reports

This serves as a registered complaint about Experian, located at po box XXXX XXXX, XXXX  XXXX. A description of my problem with this credit bureau is following : I am writing to formally address a significant issue with Experian 's reporting on my credit profile. Due to Experian inaccurately reporting data, I have faced critical difficulties in obtaining credit, employment, insurance, and housing. This situation has severely affected my life and financial stability. 

Despite my continuous efforts to resolve this problem, Experian has neglected to correct the inaccuracies in my report. I have sent several priority letters to Experian, all of which have been ignored. Here is a chronology of events and actions I have taken to resolve this issue : XXXX. XX/XX/XXXX, XXXX : Sent the first priority letter to Experian requesting the correction of inaccurate information on my credit report. 
XXXX. XX/XX/year>2024 : Sent a second priority letter after receiving no response to the first correspondence. 
XXXX. XX/XX/year>2024 : Made multiple phone calls to Experian 's customer service department at XXXX, but received no assistance. 
XXXX. XX/XX/year>2024 : Sent a third priority letter insisting on the correction of the erroneous items but received no response. 
XXXX. XX/XX/year>2024 : Contacted Experian 's customer service again and asked to speak to a supervisor but was unable to resolve the issue. 
XXXX. XXXX XXXX, 2024 : Sent a fourth priority letter and enclosed copies of previous letters as proof of earlier communications. 
XXXX. XX/XX/year>2024 : Attempted another contact with customer service at XXXX, without achieving a resolution. 

Under the provisions of 15 U.S.C. 1681, I demand that the items in question be permanently deleted and removed from my credit report. Failure to comply with this request will result in the credit agency 's liability to pay me {$1000.00} per item, in accordance with the civil liability stipulated in 15 U.S.C. 1681. 

It has been a challenging and frustrating experience trying to get this matter resolved. The lack of responses and assistance from Experian has made it seem like I am on a mission impossible. I urge Experian to address and correct these inaccuracies promptly. 
While I understand that you do not take action on behalf of an individual consumer, I want you to be aware of the troubles I have been experiencing with Experian. I hope that if you receive enough complaints, you will do what you can to make sure that this credit bureau can not XXXX other consumers as it has XXXX  XXXX.
Product: Vehicle loan or lease

Car loan was paid off in XX/XX/2022. There was an overpayment. We have not received the overpayment/refund owed back to us. I have contacted the company multiple times a month for last 6 months with reassurance that the overpayment is being mailed but to date I have not received anything. I shouldn't have to keep calling for overpayment that is clearly owed back to me. I spoken with multiple account specialist and keep hearing the same thing over and over again with no resolution. PLEASE HELP!
Product: Credit card

I called into the citi credit card call center on XXXX XXXX to see if I could get a late fee could be waived. The customer representative agreed and said the fee will be waived. After that, I immediately paid the remaining outstanding balance apart from the late fee. But the late fee was never waived. Since I do not use this card, I did not check this card balance until the statement date in XX/XX/XXXX. That 's when I found that there was still an outstanding balance of {$25.00} and that I was slapped another {$25.00} fee. 
Since then I have called the citi call center again to inform them of their error and waive both late fees, but they are saying that they can only waive XXXX fee. This is a clear violation of an agreement reached on the first call.
Product: Credit card

I paid my XXXX minimum required payment for my Macy 's XXXX account by the due date. Macy 's incorrectly posted the payment to my Macy 's store account. I brought the mistake to their attention and they reduced my outstanding balance by the correct amount but did not make the correction to my minimum payment due. This is the third month that I have had to call them and ask them to correctly calculate my minimum monthly payment that I owe them and to reverse the late fees that have been assessed as a result of their mistake. I have spoken to almost XXXX Macy 's representatives in the past three months. I continue to field phone calls and have conversations with Macy 's customer service and credit representatives insisting I am past due and they are attempting to collect a debt since I have not paid the overstated amount in their system. Each time I have had to ask them to look at the notes on my account and explain that it was a system mistake, apparently the result of a software change in XXXX or XXXX. They acknowledge that the error was their fault but insist that there is no way for them to correct the overstated minimum amount due each month. They have now told me that the only way to solve the problem is for me to make an extra payment that exceeds the original amount of the misapplied payment. I am no longer able to use my Macy 's XXXX Account even though I still have a significant amount of available credit. All of my charges have been declined since XXXX XXXX. According to my last conversation with a Macy 's customer service supervisor XXXX XXXX, this has happened before ( a misapplied payment was made by their system ) and it has been the customer 's responsibility to fix the problem if he/she wants to continue using their line of credit. I expressed my shock since the " solution '' they are proposing essentially breaks the credit agreement we have with Macy 's. She then gave me the XXXX. XXXX address for their Disputes Department.
Product: Checking or savings account

A person called me, My current bank, fifth third, was shown on my phone, So I assumed the call was legitimate. This " representative '' knew ALL my information and said he was putting my accts. on " high alert '' because there has been fraud on my checking acct. in the past. After this call, a couple hrs. later, I logged in and noticed that this crook moved {$9000.00} from my savings acct. to my checking acct. {$4000.00} was a withdrawal by a company called XXXX. I looked this company up and it is located ibn XXXX, XXXX. I would have thought, this " bank '' would have detected this as fraud. I looked them up and I don't even know what their " services or products are. I contacted the FDIC, and they refereed me to the Consumer protection agency Bureau. They contacted Fifth third bank and after a couple weeks, the XXXX called me and said I should contact an attorney. I called legal-aid, and they said they didn't take cases like this and said I should file a complaint with your office. I am XXXX and I was trying to save money in case of an emergency, I am XXXX, and this is ALOT of money to me, over 3 months ' worth of my benefits. Would you contact Fifth-Third bank and investigate this and PLEASE try to get my funds back. XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies have improperly used my personal information without my consent..most detrimentally the credit reporting agencies XXXX Equifax XXXX XXXX XXXX have he sadly and greatly harmed my quality of life for to these false reporting My identity has also been stolen as my credit information has been illegally merged with another person that XXXX the same name XXXX am a senior .all things contained in my report belong to a consumer with the same name I am prepared to bring charges in a federal lawsuit as the information is showing a debt owed to the department of child revenue for child support that has stopped from getting everything I apply for. Everything on my credit report is false therefore I requesting immediately deleting of every entry on my report as a through and accurate investigation was not done by the furnishers of this information and I have noone permission to invade or report. My private information at any time ever .. pursuant yo the fair credit act see the attached statues and documents stating my rights and the law which governs these stAtutes
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account that has been hurting my credit report for a while now. I have been telling and explaining to XXXX, XXXX and EXPERIAN that the account is not mine. I already did my job and spoke to the company and they couldn't find any records that shows that I have or had an account with them. The company that shows on my credit report is called XXXX/XXXX, I will attached a copy of my credit report where shows this account. and the reason why I'm complaining today is because I did complaint before and nothing changes, I dispute the account and nothing changes, I even ask XXXX, XXXX and EXPERIAN to sent me everything they have that proofs the account is mine but nothing happens.
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the I C SYSTEM ( Original Creditor : XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Checking or savings account

I placed an order for an air conditioner through an online order to what looked like XXXX, but the charge went to a business called XXXX. When I clicked on any link given, it would do nothing. The tracking info also was completely fake. I never received an air conditioner, but far past the supposed delivery date of XX/XX/2024, I did however receive a pair of paper think ankle socks ( I'm figuring this was done to give a postage tracking number in case people complained ) on XX/XX/2024 from a person I do not know, and address I've never seen or heard of. 
I have complained to Cashapp repeatedly about this issue and three times have been told that the matter is closed and with no information given. 
The charge was on XX/XX/XXXX at XXXX XXXX for {$59.00} through Cashapp.
Product: Credit reporting, credit repair services, or other personal consumer reports

Select Portfolio Servicing has begun reporting under my personal credit report beginning in XX/XX/2021 a commercial loan which is owned by an LLC. This LLC is then owned by a real estate holding company which holds all my real estate holding nationwide. I have disputed this with the company and with the credit bureau twice. 
The deed and bill of sale clearly show the owner of the property which is not me personally.
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 accounts 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 accounts 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 is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$7800.00} XXXX  XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$220.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$170.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} EQUIFAX : XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$7800.00} XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$7800.00} XXXX XXXX Balance : {$6000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$170.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX ) XXXX 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.