23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

on XXXX XXXX, 2016 I tried to obtain my annual credit report with Equifax via the online but I was not able to being Equifax refused to provide me a copy. I received a message online but could not print it for which they demanded that I provide them copies of utilities bills, social security card, drivers license etc. Today I called the corporate offices but was given the run around and in the end I spoke with XXXX who verified who I was in which I gave her my permanent home address XXXX XXXX XXXX XXXX NY XXXX, my temporary home address XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( being my place is under construction ), my full name, social security but she informed me that I have an apartment number on both of my addresses of which I disputed. I was informed that there is an apartment number listed with the XXXX XXXX XXXX XXXX NY address of which not true being our house does not have any apartment numbers and she can not force me to provide an apartment number that does not exist. I further informed her that none of my credit bills have an apartment number and I believe somewhere someone other than me placed an apartment number on my credit report without my consent or knowledge. I will not provide them copies of any of my bills or credit card statements being those documents are personal and confidential and they have no right to have them. I was given a hard time by XXXX XXXX to the point that I yelled at her and she got upset and hung up the phone after I reached my boiling point and used a word that I should not have. They are required by law to provide me with a copy of my credit report free at no charge but then yet they are refusing being someone placed the wrong information on my credit report and I need to see what information ahs been reported to them and by whom so I can resolve the problem. 
Please have them provide me with a full copy of my report so I can review and dispute any incorrect information that is being reported or placed on my profile. Please contact me via email if anyone has any questions in regards to this matter. Finally, I do n't want Equifax to place my email address on my profile with their bureau. 

Thank you kindly for your assistance
Product: Debt collection

On XXXX I filed a CFPB complaint against this company for HIPAA violation in regards to sharing my medical information. I was informed in a response from this company as well as the original creditor Pendrick Capital Partners on XXXX that all previous debts should be removed and deleted from my credit reports. Unfortunately this has not been the case as the debt from XXXX XXXX XXXX is still showing on my XXXX  report in spite of all other collections from PCP being removed. I would like for this collection to be removed and deleted from my credit file ASAP please.
Product: Debt collection

I initially placed an order with Women Within catalog back in XXXX of 2022. The item was too small and was returned via their return slip in the package and taken to the post office. I received a notification the item was received by the company and requested an exchange for a larger item. I was billed for the product that was returned after the fact and then also issue a credit for the item which I could not use because the company stated that they were not familiar with the gift card that was sent to me via their company. The second item came and I was totally dissatisfied with the way the company handled the first order and I decided to return the second order which I returned via happy returns which is a company that apparently Woman Within uses. I have receipts to show for both returns as well as other communications via email but I am continuing to get billed for these items and now have been put in all three collections agencies for a total that does not even add up to what the initial items cost. I am so disappointed with this agency which is XXXX Bank. Upon looking at credit ratings for an amount not compliant with their billing statements. It was after the fact I noticed that this company has very poor ratings which seem that all customers have the same issue that I am having they are being billed for items that have either been returned and or reported to a credit bureau I would like to expose this company for false practices and also the fact that they are unwilling to solve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Letters were sent to XXXX demanding them to verify and validate inaccurate, wrong, and incorrect information being reported on my consumer report. They failed to validate and removed all debt in violation of FDCPA. The debts attached were challenged and could not be validated nor verified demanding removal. Demanded Wet Ink Signature Demanded Validity of Original Contract Demanded for bond to show affiliation with govt. Demanded for amounts and proof of debt.
Product: Credit card or prepaid card

US bank reported fraud so they could get paid Somebody I worked for gave me a check US bank cashed the check and they held the check and cleared the check I left the funds in my checking account and waited to pay my bills They shut down my checking account and credit card like I did something wrong Now they have it on my credit and they need to fix this
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint thru the CFPB to XXXX XXXX more than 30 days ago and have not received the results. 
Your furnisher has placed in collection on my credit report that I have. Balance of {$270.00} from an XXXX account. I have sent both credit reporting agencies a letter from XXXX stating that I do not owe XXXX any money. I am including in this second complaint the letter from XXXX again. Under the Fair Credit Debit Act the credit reporting agency must report accurately or be fine {$1000.00}. If I owe another furnisher then you must report that furnisher name with the proper Code. 
Your furnisher XXXX XXXX XXXX has no Creditor Code as  explain by XXXX in their letter. 
XXXX XXXX did you read the letter from XXXX stating that I do not have an account with XXXX and that their is no Creditor Code? 
XXXX XXXX it has been over 30 days and you have not corrected your error of the XXXX account why? 
XXXX/XXXX  your reporting a XXXX account that is not mine why? 
Also do the credit reporting agencies bureaus have an obligation to investigate the furnisher that XXXX XXXX XXXX does not have a license to collect and operate in the state of Michigan? 
Do the credit reporting agencies know that XXXX XXXX XXXX lost their license for reporting false debt on seniors? 
XXXX/XXXX did you know the state of Michigan states all seniors must not answer XXXX XXXX XXXX because they are a Scam Debt Collection Agencies to just report them to legal agencies. I agree with the State of Michigan and will not answer them by law and report them. 
XXXX letter states for the credit reporting bureaus to remove XXXX name from my account it is wrongfully to use XXXX when the bank states I did not owe them any money right? 
XXXX/XXXX you are wrongfully using XXXX copyright name to collect a debt that was never owed to them you just want to give a no license debt collector in the state of Michigan free money right? 
XXXX/XXXX  I did not have a debit with XXXX for any debit collector agency to collect so why are you reporting I owe XXXX? 
So if the real debt collector steps up then the senior would have to pay twice and take XXXX/XXXX  to court for reimbursement right? 
The question I have sent again is for XXXX  and XXXX  to answer and not the furnisher? 
The State of Michigan state seniors do not have to answers to the Scams of no license XXXX XXXX XXXX in the state Michigan for seniors just report them to the State of Michigan.
Product: Debt collection

I mailed out a certified letter to SEQUIUM ASSET SOLUTIONS starting on XX/XX/2021, and allowed the 30 day window for collections agencies to respond to disputed collections, they failed to respond to my request in its entirety, so I followed up with another request allowing them an additional 15 days to respond and again they failed to respond, to this day I have received no communication from the company but yet they are still reporting invalid information on my credit reports from all 3 bureaus.
Product: Checking or savings account

My wallet was stolen, reported to police, arrest warrant was issued, my cards were reported as stolen, new cards have been issued ( not received yet ), a fraudulent charge ( pending ) appeared on my citi account for {$20.00}, This was reported to citi in timely manner ( Citi ref. # XXXX ) ... ..All of this occurred on XX/XX/XXXX ... .the fraudulent charge ; [ XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX  CA XXXX ] ... .was reported to the XXXX XXXX Police Department also RE ; report XXXX XXXX ... ..The charge went from pending to being charged to my account ... .The funds {$20.00} has NOT been restored to my account! The overseas representatives for Citi are TOTALLY incompetent ... Furthermore, Regulatory action needs to be taken against this bank!
Product: Credit card or prepaid card

I am working with the third part debt consolidation in regards to several credit cards. Popular Bank is cashing the checks from XXXX, but, continues to reject their proposals for lower interest and payment. Popular Bank has requested various materials from XXXX, which were provided, but continues to come up with reasons to not work with them. Popular Bank has refused my requests to work with them regarding my hardship, they advised that they will not work with me unless I am several months behind in payments. They are giving the runaround to the debt consolidation company, as well as to myself. They refuse to help the consumer during hardship.
Product: Checking or savings account

I signed up for this account which featured unlimited ATM reimbursements, I confirmed via Chat that this was still a feature I had. I was not reimbursed for that fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax fraud inquiries from XXXX  XX/XX/XXXX XXXX   XXXX  on  dates XX/XX/XXXX and XXXX XXXX  and XX/XX/XXXX XXXX   XXXX  also XXXX  has fraud inquiries on dayes XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX   and XX/XX/XXXX XXXX   and XX/XX/XXXX XXXX   XXXX and XX/XX/XXXX XXXX   XXXX  and XX/XX/XXXX XXXX   XXXX these all need to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXXXXXX MD XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit Bureaus after I purchased a credit report in IdentityIQ. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX XXXX XXXX XXXX  XXXX, MD XXXX ; XXXX XXXX XXXX  XXXX, MD XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XXXX XXXX , MD XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX  I XX/XX/XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate addresses on my credit report. I need these addresses removed from my consumer report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I had setup an autopay with my bank XXXX XXXX ) to pay my credit card bill in full ( statement balance ) on the due date in response to receiving an XXXX from the credit card company ( Citibank ). This setup has been working fine for years. 
A few month ago, Citibank made some changes to the way they received the payments from the paying banks ( in my case BofA ), that started resulting in delay in receiving and posting payments. This caused the Citibank charging me fees and interest and adding the previous statement balance in the next statement ( even though receiving and posting the payment a bit later ). This happened for at least XXXX months before I noticed this. Because to me it has been working fine for years and I didn't pay attention to it. 
Moreover, this is also got reported to credit reporting agencies as serious delinquency and as a result my XXXX score has dropped from Excellent XXXX to good XXXX in a matter of XXXX months. 
I had to spend hours on phone with both BofA and Citibank to get this straightened out and fees and interest reversed. At end the I had a negative balance of more than {$4000.00} on my card statement. I thought this nightmare is over but it wasn't.

Since I had a negative balance, I stopped the payment for the last statement from my bank. Now the Citibank has blocked my card for any activity or purchases. I called them to see what's going on and their automated voice system and agent tells me I have zero balance however still have an overdue payment ( trumps me how their system works ). I asked the agent that I had a negative statement balance how can I have a overdue payment, they didn't have any answer to that. They were not able to resolve my issue.

Moreover I opened a case with Citibank to dispute the credit score and have the delinquency reported corrected, however a couple of days later they said they can't process my case unless I give them the exact dates of the reported late payment/delinquency to credit reporting bureaus.

I am extremely frustrated and feel helpless at the hands of these financial giants who are there to charge us fees left and right and don't help when needed ( even though it is their fault ).
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$140.00}
Product: Debt collection

I have thoroughly reviewed my credit report and discovered several incorrect accounts that I believe were fraudulently added without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already sent a validation of debt and creditor letter to these accounts which are violating my federally protected consumer rights. XXXX XXXX [ XXXX and Equifax XXXX, XXXX  XXXX XXXX XXXX [ XXXX and Equifax ] XXXX XXXX  XXXX XXXX XXXX XXXX XXXX [ XXXX and Equifax ], XXXX XXXX, XXXX XXXX  XXXX. Under the Fair Credit Reporting Act and HIPAA Privacy Rule, these accounts listed above have violated my rights. According to 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.

Especially this account XXXX XXXX it is inaccurate and appears multiple times in my account.
Product: Credit reporting or other personal consumer reports

Flagstar bank has reported my mortgage late 150 days to 3 credit reporting agencies while my account has been in a billing error status ( 12 CFR 1026.13 ) since XX/XX/2024. I have requested that they send me all the accounting according to GAAP. They have yet to do so. Instead I was sent a ledger and a letter stating what Im asking basically is too much work. Pursuant to 12 CFR 1026.13 ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. Then my account was in a loan modification status and I sent in the documents to the return address and was ensured no payments were going to be reported late and they illegally did that as well. I also informed them by mail and phone that there was a default in my letter of credit/bill of lading/good and I am authorizing all the accrued interest and fees be applied in full and refunded per terms and agreements. My account has yet to be credited according to UCC 3-603. I gave acceptance and consideration and returned the good. They are now telling me that my home is in a foreclosure status but have not given any administrative process or notices to me in regards to that. They are trying to me illegally foreclose on a home that I have a perfected UCC1 lien that I security interest in. The mortgage deed and the note have been separated and sold which also makes a breach in the contract and cancels out the mortgage. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, a collections account showed up on my credit report from XXXX XXXX. I have never done business of any kind with XXXX. I immediately disputed the account with the credit bureau Experian. The results came back saying the account was " valid. '' I was unable to get a real person from XXXX on the phone to address this issue. After doing my own research, apparently this is a famous problem with XXXX that has happened to many people, and neither XXXX nor the credit bureaus care to help resolve the situation. In my situation, the account is clearly either erroneous or fraudulent. Around that time, I did have some fraud and identity theft issues with someone attempting to open lines of credit in my name. This account may be the result of that. I've attached the only information I have about the account, which was reported by Experian. Right now, the collection amount balance says {$4600.00}. The creditor address reported by Experian is : XXXX XXXX XXXX XXXX, TX XXXX The creditor phone number reported by Experian is ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Bank of America has overcharge fees on my checking account and my account is negative. 
Bank of America has major issues and Bank shouldn't allow any transactions if there is no funds in my checking account. 

I am XXXX XXXX and Retired.We have a major issues with financial hardship and Covid19 Pandemic issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw that on or around XXXX I saw a lot of pre approvals on credit Karma. At first I didn't pay it any attention but Credit Karma kept sending me all sorts of different Pre- approvals telling me that I was Pre-approved for credit cards, personal loans, and that I can refinance my car. Everyday I would see these offers every time i logged in to check my credit scores. After a few months of being told that I was pre-approved I thought I was now in the perfect place to apply. I got so many offers through credit karma, I started telling my whole family about vacations and investments we were going to use these pre-approvals for. So I applied on or around sometime in XXXX  and I got denied for 2 credit cards and a personal loan. I was distraught. I was very angry, and I felt deceived. I was marketed to for months telling me for months. Credit Karma told me that I was Pre approved. This was a lie. I was severely stressed out. I was XXXX  for weeks. I had XXXX  so bad I became anti-social. My XXXX  went from 0-100. Now every time i see pre approvals, I immediately close my phone and shut my computer off. This has made me so uneasy and XXXX  that I haven't checked my credit as frequently as I should.