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

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

1. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX  Date of inquiry :XX/XX/XXXX Please remove it from my credit report.
Product: Vehicle loan or lease

I called Audi Financial Services in XXXX to obtain a payment deferral on my lease. They took payment to bring the account current and processed my lease extension and payment deferral ( XX/XX/XXXX ). I also received a letter from Audi that the deferral was granted ( dated XX/XX/XXXX ). 30 days later on XX/XX/XXXX I received an alert from XXXX  that my credit score had dropped significantly ( 30+ points ) due to Audi reporting my lease 30 plus days past due. 

I sent Audi a message thru their secure portal online. I also called and spoke with a representative who told me that their system is automatic and many individuals are in the same boat and they are working on correcting the reporting but do not have a timeline for the fix.
Product: Debt collection

Call constantly from spoofed numbers with a partially recorded voice and an automated voice stipulating that several complaints have been filed in their office and cooperation is mandatory. This has been going on for several months. the spoofed number is XXXX. The call back number is XXXX XXXX XXXX. XXXX XXXX XXXX. I received 2 calls on XXXX, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17. This is as far back as my call history goes. I told them if they wanted to take legal action then they need to file in XXXX county Texas against me and other than that they need to stop calling.
Product: Debt collection

The account XXXX with original creditor listed as XXXX XXXX was disputed through XXXX and was closed due to meeting FCRA requirements. P & B Capital Group has continued to report this account which resulted in it reopening. The remarks remain the same, it meets FCRA requirements and should be closed and deleted from my report. I have asked for verification of debt owed through email and certified mail and have not received any communication. The inaccuracy was verified through the CRA and this should absolutely be reflected on my report.
Product: Debt collection

I have tried to work with the company to settle my debts but the have been providing false information and blocking me from doing so. In early XXXX I requested that they mail me my information and I did not receive any mail from the company. They do not leave voicemails indicated what the calls are about even though I have asked them to. They call me everyday sometimes twice a day. Here is information from this week to show frequency but they have been calling for months. 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 ( XXXX ) and on XX/XX/2020 ( Transunion ) and on XX/XX/2020 ( XXXX ) add a derogatory mark on my credit report per XXXX XXXX. Upon further research, thus account is reporting inaccurately on all credit bureaus including wrong dates and I am not responsible for this account. Debtors nor the credit bureaus did and could not verify this Inaccurate XXXX  XXXX. Also, there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt, according to the FCRA ( credit bureaus and the court system has violated my rights as a consumer and I'm requesting legal action to remove this account immediately because i reached out to the court system and they verified they are not the one reporting this Derogatory the credit Bureaus are acting on their own In Accordance with the fair credit Reporting Act, XXXX  Account # XXXX XXXX XXXX has violated my right 15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C I681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize a credit pull from this company ( I've never even heard of this company ) and they're reporting an artificially low credit score by  over XXXX points lower than the reputable credit reporting agencies. 

One of the denial reasons for this report was " Distance between address and area code of phone '', while my address is exclusively within the boundaries of the area code that I carry. 

When attempting to access my report and subsequently freeze, the company is requesting copies of drivers ' license and social security card, which I will NOT provide to them, as they seem like an illegitimate company that was utilized by XXXX for improper credit denial.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Fifth Third Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These Companies put inquiries on my credit report without my permission I didn't Authorize nor I consent for this companies to pull are view my credit report this is a violation of the Fair credit reporting Act Section 1681b ( c ) and a serious breach of my privacy rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes to the 3 major credit bureaus ( XXXX, Equifax, and XXXX ), as well as the secondary company XXXX. I know that under the FCRA, they are to properly and THOROUGHLY investigate any and all disputes. My issue is that I have received a letter from XXXX stating that they DID NOT verify the account that I am disputing, a bankruptcy in California. This account was removed from XXXX on XX/XX/2019. Yet, Equifax has sent me a letter on XX/XX/2019 stating that they have verified this same account through XXXX, the same company that has removed this from my consumer record. I am demanding that Equifax remove this Bankruptcy immediately from my credit report, not just saying they verified with XXXX or XXXX, as I have tangible evidence that contradicts what they are telling me. 

Actions like this is the reasons why consumers do not trust credit reporting agencies, as they do not verify items, they merely parrot XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate and misleading reporting of the XXXX XXXX XXXX account # XXXX on my credit report. The account is reported with discrepancies across the three major credit bureaus : Experian : Last active date is XXXX, listed as collection or charge off. 
XXXX : Last active date is XXXX, listed as collection or charge off. 
XXXX : Last active date is XXXX, listed as collection or charge off. 

I also wish to highlight that this account was sold without my consent, which is a violation of my right to privacy. Additionally, if the account was indeed sold, I should have been provided with proper documentation, including a 1099 form, which I did not receive. These actions are in direct violation of my consumer rights under federal law.

Violations of the Fair Credit Reporting Act ( FCRA ) : The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and fair reporting of consumer information ( 15 U.S.C. 1681e ( b ) ). The discrepancies in the dates last active and the incorrect reporting of the account as a collection or charge off, despite my lack of consent, constitute a violation of this requirement. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) mandates accurate reporting of collection accounts, which has not been followed in this case.

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The unauthorized sale of my account without proper documentation or my consent is a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. Moreover, the failure to provide a 1099 form or any other relevant documentation if the account was sold violates 15 U.S.C. 1692g, which requires debt collectors to validate and verify debt information accurately. 

Request for Immediate Action : In light of these violations, I am requesting the immediate removal of the XXXX XXXX XXXX account # XXXX from my credit report with all three credit bureaus. Additionally, I request that you provide me with an updated copy of my credit report reflecting this correction.
Product: Checking or savings account

My Citi accounts have been Frozen for days now. 

I have been a loyal Citibank client for my business and personal accounts for about 30 years. 
A few weeks back I received a call from XXXX ( id # XXXX ) from CitiBank profile dept. I was kind in answering but did not feel comfortable, as I mentioned to him, in providing personal info to someone claiming to be from Citi calling me. 
I questioned the need for an updated profile as within the last six months or so I went under a microscope in order to qualify for a line of credit with CitiBank. There is nothing left that Citi does not know about my wife and I. I felt that the call was possibly a scam and left it at that. 
On XX/XX/XXXX or XX/XX/XXXX CitiBank froze all my accounts.I subsequently after hours on the phone, updated the info for the Wealth Managment dept.and provided the info -profile as requested in order to hasten the release of my funds. XXXX mentioned it would take several days, probably after the XX/XX/XXXX holiday, to wind its way thru the various departments to clear the hold on my accounts. The update was to verify my address and best phone number, income info, net worth, that CitiBank already has on file. They wanted private information not relative to my checking accounts. 
I discovered this freeze when I opened my email and found two automatic bill payments were rejected due my accounts being Frozen. I have no access to my funds or information on my accounts. It seems that the Wealth Management Dept. was the source of my troubles and caused me to lose access to all my Citi accounts, which have absolutely nothing to do with Wealth Management. I spent in excess of 6 hours trying to clear up this unnecessary mess, to no avail in defrosting my accounts. I received tremendous support for my local branch managers without results. XXXX XXXX, a case resolver, opened up a case but no immediate results nor from a chain of others, all pleasant but powerless. My automatic payments and checks are bouncing. 
I would appreciate an immediate stop to the freeze on my accounts and contact from a Senior Executive from Citi to  salvage my so called Dedicated Relationship, which for years was Citigold. Great way to treat longtime clients. 
My understanding as I was told by a Citi employee, is that 21,000 others have been affected in the same manner by CitiBank. 
just rolled out this great plan a week ago.
Product: Debt collection

Initially I received several phone calls from Allied International Credit Corp on my land line, but they didn't leave a message. Shortly after, I received a letter dated XX/XX/2020, informing me that XXXX referred a collection of an alleged debt that I owed to them. 

I immediately signed on to XXXX to check because it seemed very strange. # 1, I do not have any outstanding invoices and my account is current. # 2 I  do NOT have an account number as they stated. # 3 There is no description of an item # linked to XXXX that I'm allegedly being charged for and that they are claiming is unpaid. 

I then conducted an internet search of this Allied International Credit Corp and saw many complaints from others, stating the exact same thing I experienced.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I were in our yard talking when we were approached by XXXX XXXX ( a worker from XXXX XXXX ) on XX/XX/XXXX. She began to ask if we were interested in having an alarm system set-up. When we inquired about the price she told us how expensive it was and we informed her that we couldn't afford to pay those prices. We then thanked her for stopping by and she asked if she could get our phone number and email address and told us to think about it over night and she would call in the morning just to be sure we didn't want the service. She contacted my husband and he told her that we were NOT interested and that was the last we heard of her. 

On XX/XX/XXXX I pulled my ( Equifax ) credit report and there was AND STILL IS a hard inquiry on my report. I tried contacting her with the number on the business card she left but she never answered my calls. I also tried disputing it with the credit bureau but it's still on my credit report as of XX/XX/XXXX. I have no idea how they were able to obtain my credit report since I NEVER gave her any of my personal information other than my name and email address. They used completely unethical business practices and obtained an unauthorized credit check that was never requested by myself nor my husband. I have no idea why they would even attempt to run my credit when they were told we were not interested in their service. Companies who practice unethical and unprofessional business practices such as this must be stopped.
Product: Mortgage

On or about XX/XX/2021, I closed on a refinance of my home mortgage with XXXX XXXXXXXX XXXX, XXXX. At that time, even though my home is not in a flood zone, I was required to pay {$510.00} to be deposited in escrow for payment of my flood insurance premium. Immediately after closing on the refinance, my loan was sold to Suntrust Bank. Suntrust, showed the escrow for the flood insurance and began collecting $ 43/mo for flood insurance escrow. At some point, they sent me a letter saying that flood insurance escrow wasn't required and they would no longer collect escrow, but they kept collecting it. My flood insurance was scheduled for renewal on XX/XX/XXXX. At least 2 - 3 weeks prior to this date, I began calling Suntrust to inquire about my flood insurance payment, since they were still holding the escrow. I was on the phone for hours trying to resolve this. First I was told that they would submit the payment. I checked back the week before the payment was due and they still had my money and hadn't paid the premium. One of the many people I spoke to said that they didn't have the invoice, so they couldn't pay it. I offered to send the invoice. One each call, and there were several different people I spoke to, I requested that they send me my money back so I could pay the premium myself. On one call, the person I spoke to said that if they couldn't pay it, they would expedite the payment to me so I could pay it. When I called back, another woman insisted that I wait until XXXX to get my money back. 
In my opinion, this is an unfair business practice. They put me in the position of either having my flood insurance lapse or taking funds from my savings to pay for something that I had already paid once. I live in XXXX XXXX and although I do not live in a flood zone, I always maintain my flood insurance policy. I paid the policy from other funds. 
To date, I still have not received payment from Suntrust ( aka Truist ). Meanwhile, they have access to my money and get to earn interest while I will have to pay interest on the credit card I had to use to pay this premium. I feel like I should be made whole by having them not only return my money, but also pay me interest at a rate of 21 %. Isn't that what they get to charge us for borrowing money? Fair is fair, after all.
Product: Credit card or prepaid card

Citi failed to provide the protection they promised as a result of their dispute findings. I disputed a charge from a fraudulent hotel listing on XXXX. XXXX only refunded {$49.00} of the {$98.00} charge. The hotel did not have the room available, so we did not complete our stay. Citi said they would only refund {$39.00} of the charge. Citi says Citi is at your side before, during and after every purchase.. In this case, I was left stranded in a foreign country, and had to look for alternate lodging. Citi failed to offer the protection of the service I was promised, and should be ashamed they protects intentional fraudsters instead of their card users. Below is the information sent to Citi : I am requesting a full reimbursement for my 1 night charge for the XXXX XXXX XXXX reservation # XXXX. I originally made this reservation with the intent on staying two nights. Upon arriving to the hotel, I began the checkin process. As the hotel representative was describing the room, he said it had a fan and good air flow. I paused and asked him if it had air conditioning, per the room details on XXXX. He paused for a moment and said no air conditioning I then mentioned the room reservation said air conditioning, and he said Ok and proceeded to check us in. Prior to him finishing, I asked if I could view the room as it seemed a bit skeptical given his original response. He took us to a room that was not as described in the listing. 
The air conditioner was not working. It was blowing room temperature air. He said the air conditioner would get colder, yet we stood there for 5 minutes and it was the same temperature. It was clear this was not working, as there was a flashing light indicator on the air conditioner that was indicating there was a problem. I asked if there was another room and he said no. Also, the room was currently occupied as there was a bag, toiletries, sandals, and a backpack in the room so it wasnt available for check-in at that time ( Im not even sure the room he showed us was the one we would receive ). Additionally, the room had a musty smell, like smoke or another substance. On the listing smoke free, and given XXXX it was not an option. 
I have contacted XXXX three times on this matter. The final time, the best they said they could provide is a credit for future use. I do not want a credit for future use, so I declined this option from them. I have transcript of the final conversation where they said they would not issue a refund. 
Due to the inaccuracy on the website and XXXX XXXX XXXX failing to fulfill the terms of the agreement, I would like to request a refund of the amount charged to my credit card.
Product: Credit card or prepaid card

My direct deposit went onto my American Express Pay card. I have been trying for a month to get my money off this card. I contacted AMEX Serve Customer Service, at least XXXX times. Been hung up on, rushed off the phone, given what I feel is false information. Such, as use XXXX, and pick your money up at XXXX, tried that, the XXXX rep could see my money, when she went to pay may the transaction was cancelled on AMEX Serve side. I tried to link it to my bank account, three times, money was never transferred to my account. The last suggestion from this company was to use bill pay and have the check mailed to myself. I did the bill pay on XX/XX/XXXX, the first delivery date was supposed to be XX/XX/20, now, I have been several delivered dates, it changes every day. I have contacted AMEX, I filed a complaint with XXXX. I my balance is now showing XXXX balance. However, I have not received my check for XXXX please see screen print. I need my money to pay my bills. Not keep getting this run around from American Express. This company has lied and I am still waiting on my money.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, after several attempts, I have tried to remove XXXXXXXX XXXX  as the debt has been fully canceled, 1099- with box XXXX XXXX XXXX XXXX. 

XXXX has stated that they will no longer try to collect, that they have fully discharged the debt and I have amended my taxes in XXXX to include the discharged/ canceled debt
Product: Mortgage

I have been trying to get an update on the loan modification review for several months now and the bank just keeps playing games. I even have a counselor ( XXXX XXXX ) who is helping me try to save my home but they continue to play games with me. 

I don't know what else to because I am about to lose my home and its because they won't answer my requests and they only want us to talk to one person who is never available. How can you assign one single person to somebody's home and never call anyone back. 


We also tried to call the foreclosure attorney and left a couple voicemails for him to call us back. No response as well. 

This just seems like a scam from the lender and I don't know where else to go at this point! I have been complaint only get a run around from PHH.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize Citizens bank to run this report
Product: Credit reporting or other personal consumer reports

I woke up today to find incorrect accounts on my credit report, and Im completely baffled as to why. I always check my report regularly, but this time, random errors popped up. I even refreshed the browser thinking it was a glitch, but the mistakes stayed there. Now, Im requesting a thorough review of the documents Ive sent to make sure I never have to deal with this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unlawful inquiries and delinquencies on my credit report. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX- XXXX XXXX Capital XXXX ( XXXX XXXX ) XXXX XXXX Credit XXXX Bank- XX/XX/XXXX 25
Product: Debt collection

LVNV Funding claims I owe them {$1100.00}. They have made multiple phone calls. I spoke to a women once on one of those phone calls. she was very nasty when I started to ask questions, threatening to send police to my residents seeing suing me. This was last XX/XX/year>. I asked that she provide me with validation of debt and that I owe the dept and I am obligated to pay the debt. I told I want to see the purchase agreement of the dept and a written agreement with my signature agreeing to pay said debt, I also asked to see the last billing statement from the original creditor, also proof they are authorized to collect said debt. LVNV Funding has not been able to provide any of this info. They have continued with the harassing phone calls.