23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Collection company IC System , Inc. violated two of my consumer rights when they reported a fraudulent collections account to all 3 credit bureaus causing my excellent credit score to drop significantly. IC System XXXX Inc. Collection letter was received on XX/XX/XXXX on behalf of XXXX for {$9800.00}. I sent a dispute letter and on that letter also requested debt validation and details of the account- i.e. when it was created, when it was sent to collections, and an itemized bill for the amount of {$9800.00}. On my dispute letter I also mentioned that I believed the account was a result of ID theft and that I had placed a fraud alert and a freeze with all XXXX credit bureaus. The letter was mailed to IC Systems XXXX IncXXXX on XX/XX/XXXX via certified mail with green card receipt. Also, on XX/XX/XXXX, I placed a Fraud Alert and a freeze on XXXX, XXXX and XXXX on that same phone call I reported to each credit bureau of a fraudulent collections account from XXXX for {$9800.00} and that this was not my debt and also told them I had sent a dispute letter to the collection agency. Collections account was still not showing in all XXXX credit bureaus. I also called my bank and credit cards to alert them of the possible fraud and/or identity theft. On XX/XX/XXXX XXXX and XXXX showed the fraudulent collections account and there was no note that account is under dispute due to fraud. XXXX and XXXX show that the collections account was reported on XX/XX/XXXX. Then on XX/XX/XXXX the fraudulent collections account appeared on XXXX. All 3 of my excellent scores have dropped between XXXX to XXXX points! IC. System , Inc. collection agency violated my rights twice : first, they reported the fraudulent account to the 3 credit bureaus during my 30 day dispute window that ends XX/XX/XXXX and secondly, by not including a note that the account is under dispute due to fraud. I am also yet to receive the documents I requested from the IC System , Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX {$910.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Inquiry : XX/XX/2022 XXXX XXXX - XXXX XXXX Balance : {$910.00}
Product: Credit reporting or other personal consumer reports

Dear Lexis nexis Name : XXXX XXXX XXXX : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this information from your data these accounts above & below i dont want this information reporting on my file & no permission to report XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

We received a debt notice from a collection agency related to a XXXX we had applied for but did not receive indicating that we owed {$250.00} which should be mailed to them. We contacted XXXX Rewards Card and they have no record of this and advised us to submit a complaint. 
The collection agency is listed as : XXXX XXXX, XXXX XXXX XXXX, XXXX, OK XXXX, Phone XXXX. I have not been able to reach them on the phone, and I will not contact them as I 'm certain this is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

i saw that XXXX XXXX XXXX and XXXX XXXX XXXX both had put hard inquiries on my credit report to all 3 major credit reporting agencys and i contacted both credit one and premier bank and asked why they had put hard inquirys on my credit report when i never used them and was not a customer and was told i applied for a credit card. a XXXX il address and a fake phone number and fake social ssn number was added to my credit report which i told them was not done by me, i was able to prove that i was XXXX XXXX XXXX and had a valid id and correct ssn and valid adress and valid phone number and it was a a fraud and told them both to cancel the credit card because i did not request the cards and did not want a card with them as i didnt rrust them as they had let someone with false imformation try to get a credit catrd in my name and would not remove the hard inquary from my credit report .this was done on XX/XX/XXXX through XXXX of XXXX XXXX called each of tyhe credit agencys experian, XXXX  and XXXX  and told them about XXXX XXXX and XXXX XXXX XXXX doing hard inquiry on my credit report using fradulent data to give a credit card to a unknown person in my name and now i am trying to get this hard inquiry removed from my credit report and have somethingh done to XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX for allowing this fradulent data to be added to my account with no valid proof or valid id used or valid address or valid phone number or valid social ssn given to prove it was actually me before adding this data to my credit report and causing me to lose points on my credit report and refusing to remove the false data after verifing it was not me who added the false data .transunion does this to hurt XXXX people credit they require i send them my valid id to remove fradulent data but didnt require the person who added the fradulent data to show a valid id or bvalid ssn or valid address which proves they crooks and out to cause mayem and harm to people credit as they add fradulent data too XXXX  easily with no verification at all
Product: Checking or savings account

I opened this account through an invitation on my citi credit card account screen. 
I have a similar relationship with another bank, and had no reason to suspect any problems with citi. 
On XX/XX/XXXX. I started funding it conservatively, and I received an ATM card. My linked XXXX  checking Account was the source of most of the funds. I was also able to cash and deposit my citi credit card rewards. ( see attached ) Things seemed fine, so I continued deposits totaling {$40000.00}. ( no withdrawals ) My last deposit of {$10000.00} was made on Friday XX/XX/XXXX in the morning. That afternoon, my account disappeared from my Citi home screen, where just hours earlier, it had accepted a {$10000.00} deposit. I did not have any withdrawals and the ATM card was never activated. After pressing them, I received the attached email. When I called the number provided to ask questions, I spent hours on hold, and the only reply " Your account is under review, it will be closed in 30-60 days and a check will be mailed to you. I was refused an answer when I asked why it was under review. When I continued to ask questions, I was hung up on. Twice, on separate calls, I requested to speak to a supervisor, ( who was not available ) and told I would receive a call in 24-36 hours, and I should keep the line open. Neither call was returned. 
On XX/XX/XXXX, Citi Customer Service was able to confirm my correct balance in the amount of {$40000.00}. 
Today, XX/XX/XXXX, the first time i called, I was unable to obtain my balance information and again was refused answers to questions. The second time I called, my correct balance of {$40000.00} was confirmed. .I asked for my account number which was not provided. 
I never received the full account number, the ATM number and or my SS # were used to identify my account before refusing to give any information. Last 4 digits are XXXX. 
I believe citi enacted a new policy in their client manual on XX/XX/XXXX to address the mistake they made, Meanwhile, my {$40000.00} is being held hostage, with no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX/XXXX  XXXX {$830.00} US DEP ED XXXX {$26000.00} US DEPT ED XXXX {$36000.00} DPT ED/XXXX XXXX {$60000.00} XXXX   XXXX {$590.00} XXXX XXXX XXXX {$68.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-FILED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX IS REPORTING INACCURATE INFORMATION ON TO MY CONSUMER REPORT. THERES NO ACCOUNT ASSOCIATED WITH THE ALLEDGED ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My records show I made two payments in XXXX and one in XX/XX/2020. 
The creditor is reporting I was actually late.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX and noticed somethings are incomplete and inaccurate. And according to the fair credit report act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relate. 
I send a letter asking them to re investigate these accounts listed below because 1 XXXX XXXX XXXXXXXX XXXX open date is not reported correctly, date last active, this account is not accurate 2 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX open date is not reported correctly, date last active, this account is not accurate 3 XXXX XXXXXXXX XX/XX/XXXX open date is not reported correctly, date last active, this account is not accurate 4 XXXX XXXXXXXX XX/XX/XXXX open date is not reported correctly, date last active, this account is not accurate 5 XXXX XXXX XXXX XX/XX/XXXX open date is not reported correctly, date last active, this account is not accurate
Product: Credit card

I have established credit with Macys since 2009. My credit limit was {$2600.00} and rarely did I ever spend more than {$500.00} in any given month, nor do I use the card monthly, nor did I use it at any other store but Macys. Yet. on XXXX XXXX, Macys allowed a woman to call up their customer service from XXXX, and in XXXX call raise my credit limit to {$16000.00}, change my address, change my email ( since when do emails change too. ), my phone number and the overnighted a card to her in XXXX to begin using, which she did. On Friday, XXXX XXXX Macys called me to tell me that someone had ATTEMPTED to change my address but because they were unable to answer the security questions it DID NOT HAPPEN and they were just notifying me that she did have my name, date of birth and the last XXXX digits of my soc. sec. # as a courtesy. She also gave me the address that my card was changed to in XXXX. Because it appeared my information had been compromised, I filed a police report. The police officer had additional questions and requested that I call Macys back to get these answers. At the time I learned the whole truth. At the time I was given a verbal list of both attempted purchases with my credit and purchases that went through. The police officer told me that to catch the person a list of all attempted purchases and their locations would help. I called Macys back and they refused to give me the attempted purchases or the locations of any additional purchases. As it stands I only have XXXX locations, and the police were able to recover video of my card being used but it was inconclusive so to have the additional locations would aid in catching these criminals. Macys told me that the police officer could request this, so she did and Macys still denied her request and provided no new locations. I contacted Macys corporate office requesting an explanation as to how this happened in the first place, why I was lied to and a full list of all attempted charges and the locations. XXXX XXXX assured me this would happen and I have yet to hear back from her as well. Macys not only gave away my credit, but lied to me and now continues to impede a police investigation where time of essence. I have yet to receive any list of any charges with locations in writing, I was told I have XXXX accounts open with Macys but Ihave no information about those accounts which I want closed and all my information deleted from their system. Macys credit is apparently managed by Department Stores National Bank and affilated with Citibank even though the card is a Macys AMEX, makes no sense to me accept to allow this to happen and pass the buck.
Product: Credit reporting or other personal consumer reports

Logged into Transunion to place freeze on my credit report. Transunion website errors out and displays this message : " Sorry, we're having trouble showing the status of your credit freeze right now You can contact us during support hours via the live chat icon at the bottom of the screen, or by giving us a call at XXXX. Our support hours are Monday - Friday XXXX a.m. - XXXX p.m. and Saturday - Sunday XXXX a.m - XXXX p.m. XXXX XXXX. '' Logged into XXXX to place freeze on my credit report. XXXX website errors out and displays this message : " Please give us a call We can't complete your request at this time. 
Please call the XXXX XXXX team XXXX ( XXXX ) ''
Product: Mortgage

Our mortgage was process through XXXX  XXXX XXXX ( based out of XXXX XXXX MO XXXX and was sold to XXXX  whom then sold our mortgage to PHH Mortgage whom has an ongoing extremely poor track record for customer care and proper handling on documentation, such as statements and proof of payments, as well as past lawsuits for wrongfully foreclosing on person ( s ) home. They are not accredited with the XXXX XXXX XXXX and should not be allowed to offer loans to consumers. PHH Mortgage has been in business for over 30 years and has yet to prove they are a trustworthy, dependable, and reliable source for loans/mortgages. PHH Mortgage has and is currently ruining the wellbeing of American families whom trust them with one of their largest assets, a home! The Consumer Financial Protection Bureau must properly vet loan companies to ensure that those companies are accredited though the XXXX  and have a long standing record of quality customer care and record keeping. There is no excuse for these wealthy companies whom absorb millions of dollars in interest from homeowners to not have a quality company. PHH Mortgage has over 700 1-star reviews elaborating the shortcomings of the company. I second me earlier statement : As a federal agency, Consumer Financial Protection Bureau must dictate higher standards for lenders to deserve consideration under XXXX. US citizens count on the government to adequately take care of its people ; not to have a government agency toss their mortgage investment to the dogs to be picked over and handed off to a sub-par company with a poor track record. Poor practices like these are what directly lead to a housing crisis.
Product: Credit reporting or other personal consumer reports

Dear CFPB Represenative : : On or about XX/XX/XXXX, I opened an investigation into an inaccurate tradeline of a 30 day Late Pay on my Equifax, report by XXXXXXXX XXXX  ( XXXX XXXX ), and reported a number of violations of the Fair Credit Reporting Acting. I asked that this inaccurate tradeline be CORRECTED or DELETED immediately. 

Not only has this matter NOT been not corrected or deleted, IT HAS BEEN MADE WORSE by the credit bureau. 

Today, XX/XX/XXXX, they are reporting the tradeline from XX/XX/year> as 60 DAYS LATE, intensifying the damage to my reputation. 

How could I now be 60 days late, according to my Equifax credit report, when there is now not even a tradeline indicating that I was 30 days late ( which, per my previous claim, I wasn't ). 

This must be corrected to " Paid on Time '' IMMEDIATELY, as it is not only negatively impacting my reputation, but my ability to gain employment. 

Do I need to seek LEGAL REMEDIES against Equifax, the card issuer, First Progress, or both? I have included a copy of this tradeline from my XX/XX/XXXX credit report, as well as my credit report I downloaded on XX/XX/XXXX -- only a few days after I submitted my first claim. 

Let me you remind you that according to 15 USC 1681i 5, Credit Bureaus are expected to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly DELETE THAT ITEM OF INFORMATION from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681i ( 7 ) they are expected to provide me with the following : ( 7 ) Description of reinvestigation procedure : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they have NOT done this as well. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2021, I bought items at Victoria 's Secret for {$31.00} and offered my store credit card for payment. The sales person told me that the store credit card was declined so I gave them my Mastercard which was successfully charged. The charge showed up on my mastercard and I paid the charge. Subsequently, Victoria 's Secret has also placed the charge on my store credit card. I have called and explained to them that I paid via Mastercard on XX/XX/2021. I wrote them an email stating the same. I have given them a copy of my Mastercard statement as proof as well and have the original receipt with the authorization number. They have since added late fees and interest payments and refuse to remove the charge.
Product: Credit card

I opened a XXXX XXXX account on or about XXXX 2011. Due to the fact that I was laid off from my former employer, I was unable to make the minimum monthly payments. I have tried on several occasions since to get this account paid but no one is able to find me in the system. I understand the XXXX sold the account to XXXX XXXX but they no longer have the account with them either.This account is having a negative impact on my credit report and I would like to either get paid paid or have it removed ASAP. They are not able to validate any of the information or tell me who I should contact to get this account taken care of. I need to get this resolved ASAP, this has gone on much too long
Product: Mortgage

I opted to have an escrow account on my mortgage so I did not have to worry about the tax and insurance payments. I did not have to have one as my down payment was greater than 20 percent. Within one year my mortgage was sold by XXXX XXXX Mortgage to Flagstar Bank, but not all of the details were taken care of and my insurance policy to XXXX was not paid for more than a month. I would not have known about this problem were in not for XXXX sending me a reminder. When I logged into Flagstar there was a hard-to-find obscure reference to me not having an insurance policy in place and the threat that they would sign me up for potentially more expensive coverage. I paid outright for renewal, wanting no further delay, and now they will double pay through escrow. I asked Flagstar to remove me from escrow and they will not without a hefty fee This is criminal. In fact, it is against the law in many states. I told them they should let me cancel the escrow account without penalty due to their mistake. They refuse. This business of buying and selling mortgages is a nightmare for mortgagees. There should be more oversight of this process, and more penalties for these institutions that mistreat customers. As an aside, this bank also waited to the very last minute to pay my city taxes, causing great anxiety. There clearly is no benefit to me having an escrow account when they threaten my credit worthiness in these ways.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

( 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 an address fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as. They did not comply with error or 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