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

I have attached a FTC requesting the removal of the following inquiries. 

( ( XXXX XXXX XX/XX/2022 ) ) ( ( XXXX XXXX XX/XX/2022 ) ) ( ( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) )
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account PHOENIX FINANCIAL XXXX  XXXX balance {$930.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX  and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely.To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING.The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX , director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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: Mortgage

NewRez LLC is holding too much of escrow after all insurance and taxes have been paid by end of XX/XX/XXXX. 

I refinance my house with NewRez in XX/XX/XXXX. Purchased a new insurance due to a divorce. My insurance servicer billed NewRez for additional insurance payment in XX/XX/XXXX. However NewRez failed to response to the bill. I ended up paying additional {$750.00}. 

On top of me paying this amount, NewRez held excess amount of escrow in excess of two months. I tried calling for NewRez to remedy and provide a response. I have paid the principal and interest in the interim awaiting for the escrow to be fixed for XX/XX/XXXX payment. So far they have not issued a refund of excess of the escrow as of today. And they have charge me late fees while I already paid for the principal and interest and they have not posted this towards my balance. 

I want to make sure that no other individuals are paying more into their escrow beyond what the law requires. NewRez may be hoarding excess funds for other purposes.
Product: Money transfer, virtual currency, or money service

On XX/XX/scrub>XXXX XXXX  I was scammed by a member of Cashapp. I initiated a refund request with proof of a scam ( screenshots the person didnt actually have what I was buying and that they never had intentions o sending what I paid for. Cashapp REFUSED to pay me back due to their delayed response to the issue and I was out {$200.00}. They were contacted immediately and they took over 48 hours to respond and I never got my money because because refunds can be corrected by cashapp within ha certain time shorter than 24 hours.
Product: Checking or savings account

On XX/XX/2022 I received an email from Bank of America online banking reporting that a checking account was opened in my name. I received the confirmation code, last 6 digits of the account number. I called Bank of America and spoke with XXXX in the fraud department. The case number is XXXX The account was closed. The impersonator used my SSN, date of birth, full name and email address.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few days ago I noticed my credit scored took a dive by 65 points I wondered why as there had not been any activity on my credit use. Upon examining my Equfax report I noticed that there are duplicates that have been posted on my report. They are listed under XXXX XXXX and shows to be posted as of XX/XX/XXXX. XXXX for XXXX XXXX XXXX, that's strange because this bill has already been posted back in XX/XX/XXXX for {$980.00} There is also a posting from XXXX XXXX which was posted XX/XX/XXXX for XXXX XXXX XXXX for services rendered on XX/XX/XXXX in the same amount of {$980.00} Then there are three additional postings from XXXX XXXX for XXXX XXXX XXXX for services rendered XX/XX/XXXX in the amount of {$710.00} this one is listed two times and yet another one from XXXX XXXX for XXXX XXXX  listed on your platform with the others on XX/XX/XXXX for {$710.00}. 
I noticed you didn't catch either of these Equifax and because you lied about investigating the inquiry that appeared on my credit report as a result of some one steeling my ID my attorney and I will be preparing Affidavits in preparations for a law suit against you and we are also preparing A STATUTORY DECLARATION to present to several government agencies. I am fed up with you Equifax and your thoughtless stupor thinking that no one will notice your neglect. I have warned you in times past that I suffer with XXXX and am not supposed to be under this stress, so if you're trying to kill me, you failed. 
On one last not, XXXX  and XXXX XXXX of XXXX violated my HIPPA rights to privacy by sending out my medical records with out my consent, so we filed major complaints with the OCR who investigated and contacted them both with warning of this violation, so we, my attroneys and I suppose they have listed these things on your platform as retaliation which is also illegal, we are addressing this also. We are coming after you Equifax in a law suit as well as other charges against you and we are recomending that you you be fined XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars and there are going to be consequences for your lack of attention. 
I AM FED UP WITH YOU.
Product: Debt collection

I contacted the credit agency after viewing on my credit report that a bill had been sent to collections that I was not aware of years prior. I researched the company and called them. I paid the debt immediately and asked for a letter stating I had paid the collections and was requesting it be deleted from my credit report. They had not done so. Recently I called and spoke to a supervisor who advised me that I would not get a letter of deletion now even though I had requested one. He stated there was no way he would send a letter of deletion because my account was not paid in full, however, I had asked for the debt to be paid and when on the phone with the collector, it was communicated that I needed the debt off of my credit report and I therefore paid the amount they requested I pay. He still refused to send the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Free Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : States a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

No company involved - money transferred to an imposter. 

Please refer to CFPB XXXX XXXXXXXX previously closed. 

Wish to reopen due to change in changes in XXXX XXXX guidelines. 

Truist Case XXXX My original complaint was disallowed because the transaction was " authorized ''. Due to changes in XXXXXXXX XXXX guidelines, authorized transactions are now refunded if the transaction was an imposter scam which mine was. 

I sent a letter to Truist to reopen my closed case on XX/XX/2023, but Truist has not responded.
Product: Credit card

On XX/XX/XXXX, I received an email from Synchrony Bank stating that I will be charged a fee of {$1.00} monthly for each billing statement that I am sent through the mail in regard to my Lowe 's credit card. In order to avoid this fee, they are requiring me to sign up to receive paperless billing. 

A number of years ago, my personal information and social security number were breeched, and I have had to freeze all three of my credit bureaus. I currently receive all of my bills through mail as I do not prefer to put my personal information on a company 's website where it can be taken again by someone else. 

On XX/XX/XXXX, I contacted Synchrony Bank to ask them for an exception to this fee because of the issues I have had in the past with my information being protected. They told me the only way to avoid the fee was to sign up for paperless billing or opt-out and close the card. I asked the representative to have a supervisor contact me back. No one ever contacted me back. 

On XX/XX/XXXX, I contacted Synchrony Bank again to find out why no one ever contacted me back. They told me again that they will not exempt me from this fee and the only way to avoid it is to sign up for paperless billing. Again, I asked to speak with a supervisor. I was placed on hold with the representative. When she came back on the line, she said that the supervisor said the same thing. The supervisor refused to speak with me. 

At this time, Synchrony is charging me 28 % interest. Over half of my payment each month is being applied to interest ; roughly {$110.00} a month! Not only are they going to charge me a fee of {$1.00} monthly, but that fee will be added to my balance, and I will be required to pay 28 % interest on that fee each month.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed inquiries that are not mine. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experians dispute results : Report Number XXXX, on XXXX verified and validated that the day of first delinquency was XX/XX/XXXX for my XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Confirmation XXXX XXXX, verified and validated that my XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX re-aging the account by reporting the incorrect date of first delinquency. Now two years later they have move up the day of first delinquency to XX/XX/XXXX. This is incorrect information and both credit reporting agencies and XXXX XXXX XXXX refused to investigate properly and correct the erroneous information.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was opened and placed on my personal consumer credit report. This is a fraudulent account, I have not signed any contract with this company nor gave consent to report to my credit profile, I did not personally open this account and it should be removed from my credit report. The account appeared on my report in XXXXXXXX XXXX XXXX and shows 3 late payments from XX/XX/2022, XX/XX/2022, and XX/XX/2022. It is still open on my report, which it is reporting to my XXXX consumer credit profile and I have filed an Identity theft report and Identity theft affidavit. I have followed up an informed the company and also sent them out the Identity theft report. The company is Uplift , INC
Product: Credit reporting or other personal consumer reports

XXXX XXXX I did not have late payments XXXX XXXX XXXX  I did not have late payments XXXX XXXXXXXX This is completely inaccurate. 

XXXX XXXX XXXX XXXX I dont recognize XXXX XXXX XXXX XXXX XXXX This Information is Incorrect XXXX XXXX XXXX XXXX XXXXXXXX This is not accurate. 

XXXX XXXX XXXX I did not have late payments XXXX XXXX XXXX I dont recognize XXXX XXXX I did not have late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect
Product: Money transfer, virtual currency, or money service

I was attempting to sell an item through marketplace, the buyer requested a transaction through XXXX. I was not familiar with XXXX so when I received emails from them they seemed legitimate. They were asking for more money to be put in to make it a business account. I unfortunately fell for the scam. I lost {$200.00}.
Product: Credit reporting

This bill ha.s been paid over two years ago and shows up on credit as owe. I 've contacted this company for the last two years and they have lied to me telling they apologize and will remove in 7 days. I 've tried speaking to managers but no resolution. I really just need it removed causing me so much heartache. The company is XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

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 reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

NAMES : XXXX XXXX XXXX XXXX XXXX XXXX, ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYMENT : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit card or prepaid card

I opened a store credit card at XXXX XXXX in XXXX. The XXXX XXXX store went bankrupt, and the card was transferred to Citi Mastercard on XX/XX/XXXX - Showing up as a new account on my credit report. Because Citi closed the account, I do not have a card or card number to find the account and access it. I have automatic payments set up, and on my XXXX bank account, Citi Mastercard takes {$22.00} on the XXXX of every month toward this account, keeping the account in good standing. I have tried multiple times over the years to pay this account in full, and Citi claims they can not find the card. The balance as of XX/XX/XXXX, is {$850.00}. No one at Citi Mastercard can find this account for me to pay it in full. I was on the phone for 6 hours, transferred to multiple locations, and talked to over 16 people on XXXX XX/XX/XXXX, starting at XXXX EST. I started with the number listed on my credit report XXXX, under this account. The name associated with my credit account with this card is " Citibank/CBNA '' address listed is po box XXXX XXXX XXXX SD XXXX XXXX - XXXX. I did find a person in the " Best Buy '' Citi credit card center that said they could see the card but could not help me pay it. My bank XXXX XXXX XXXX gave a trace number for the payments of XXXX. I can not understand how a company listed as taking the money out of my checking account is " Citi Mastercard '' and on my credit report as " Citibank '' can not find the account for me to pay it in full. Someone at Citibank has to be able to find this account for me to pay it in full. If they are taking money out of my bank account, they should be able to find what account that money is going into.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a medical debt in collections from Southern Credit Recovery ( XXXX ). The original creditor is XXXX XXXX XXXX. This debt was paid off and is completely shown as paid/closed on my credit report from XXXX. As of XX/XX/XXXX all paid medical debt should be removed from consumer credit files. The collection account that was paid has been removed from my XXXX and XXXX, but not XXXX. I submitted a dispute with XXXX which was resolved without removing the collection from my account. I then called XXXX and was told that they can not remove this despite guidelines from all three CEOs of XXXX and numerous statements from the white house about this new change going into effect. See statement below : Effective XX/XX/XXXX, all medical collection debt that has been paid by the consumer in full will no longer be included on U.S. consumer credit reports. In addition, the time period before unpaid medical collection debt will appear on a consumer 's credit report is being increased from XXXX months to XXXX year, giving consumers more time to address their debt before it is reported on their credit file. 

These changes precede an additional measure set to occur in the first half of XXXX, namely the removal of medical collection debt with an initial reported balance of less than {$500.00} from credit reports. 

This is adversely affecting me due to having a significantly lower credit score of XXXX on my XXXX account, versus my score of XXXX and XXXX from XXXX and XXXX. This is affecting my ability to borrow from lenders or get approved for apartments.
Product: Credit reporting or other personal consumer reports

I was looking on my credit report and Ive notice unauthorized accounts, I have no knowledge of these account, i did not apply for them I have file a FTC I have sent multiple letters XX/XX/year> proof of social security card, proof of address, and proof of residency. Company has yet to update my credit profile which is violating my rights as a consumer. I would like these account to be blocked and deleted XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts about their accuracy the reported payment history of this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/2018 Balance : {$1800.00}