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

The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the XXXX credit bureaus, 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been driving with XXXX  for years now and i never had a problem until i moved to Georgia. i took off from driving for a while but i can log back in anytime and they will do a background check. XXXX states there is a issue or a flag on my report and Checkr keeps telling me to talk to XXXX. XXXX is saying its out of their hands i should talk to Checkr. Chekr does not have a phone number. there is a bunch of tickets now from the emails trying to get this sorted out. Checkr send me an email today saying i should contact you guys.
Product: Debt collection

I'm currently trying to get my credit score up and when i looked i saw that I have about {$10000.00} in debt from medical services at a few different hospitals and XXXX  when I had insurance that was supposed to cover it. I had no idea about these until I just checked my XXXX XXXX report. What do I or can I do to get these removed? They have destroyed my credit rating and now I cant do anything like get a home or car or anything.
Product: Checking or savings account

I received a letter from HSBC US about my two accounts there, one is a savings account and the other a checking. They are saying they will shut down my account if I don't take action. 

They gave me 3 options to keep the account open. 1 ) Do a transaction, 2 ) call them, 3 ) provide a notarized signature. 

3 ) is prohibitive for me to do 2 ) I tried to do at least 4 times, wasting at least 1.5 hours trying to get someone to answer my question on how to keep the account open. After getting flipped to multiple reps on each call and no one having a good idea of how to resolve this, I eventually gave up on this path. At least 1 time, I got hung up on after being on hold for 20 minutes.

1 ) I tried to do a transaction via their web portal, but they froze me out and asked me to call them. Which I obviously tried to do in 2 ) and was unable to get anywhere after 1.5 hours.
Product: Credit reporting or other personal consumer reports

I demand that the aforementioned fraudulent items be removed from my consumer report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

I assert my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to demand the immediate removal of these fraudulent items from all my consumer credit reports. Additionally, I request the cessation of all collection activity related to these inquiries. The specific inquiries to be removed is as follows : 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 I request that these fraudulent inquiries be removed within 4 days of receipt of this report. 

I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

XX/XX/2021 I disputed 2 transactions from my checking account with AXOS bank. When I tried to use my card it stated the card was no longer working they canceled my card with all my funds. I did not request or authorize them to do so I called customer service I was advised that if I had another account I would be able to wire the funds and I would receive the money the same day as long as the transaction was processed before XXXX XXXX XXXX XXXX. Everything was processed or so I thought I never received an email so I called customer service. They stated they were not able to look into my account and I would have to wait for a call back from a supervisor they never tried to get me a replacement card when I requested it they are contacting me to give me a clear explanation they are refusing to resolve this issue and they are holding {$1000.00} of my funds
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction regarding the ongoing issue with my account at your esteemed institution. Despite my previous attempts to address the matter, the problem persists, and I feel compelled to escalate the issue through this formal complaint. 

I first observed discrepancies in the account opening process, specifically related to delays and inefficiencies in the procedures. I promptly brought this to the attention, who assured me that the matter would be investigated and rectified. 

Following the initial incident, I patiently awaited a resolution. Regrettably, despite the assurances received, no significant improvement was observed in the subsequent weeks. Multiple follow-ups were made, but the issue persisted. 
I again encountered delays and irregularities in my account handling. This repeated occurrence is highly distressing and raises serious concerns about the efficacy of your institution 's processes. 

[ Second Attempt to Correct ] : Subsequently, I reached out to [ Name of Bank Representative ] on [ Date of Second Attempt ] to discuss the matter further. While attempts were made to address the issue, the problem remains unresolved. 

My expectations as a customer include efficient and transparent services, especially concerning matters as critical as account management. The persistent issues I am facing are not only inconveniencing but also eroding my confidence in the reliability of your institution. 

I request that an immediate and thorough investigation be conducted into the root causes of these repeated incidents. Furthermore, I expect a comprehensive and transparent report outlining the steps being taken to rectify the situation and prevent such issues from occurring in the future. 

If the matter is not promptly and adequately addressed, I may have no choice but to escalate this complaint to the relevant regulatory authorities and explore legal avenues to protect my rights as a consumer. I am asking for your assistance to correct this late open account : XXXX XXXX XXXX Balance : {$960.00}.
Product: Money transfer, virtual currency, or money service

My debit card was stolen on XX/XX/2019 and I didnt find out until XX/XX/2019 because I checked my balance and there were unauthorized transactions made. 
The following transaction were XX/XX/2019 {$20.00} at a XXXX XXXX XX/XX/2019 {$200.00} at a XXXX XXXX  XX/XX/2019 {$210.00} at a XXXX   XXXX Once I found out about the unauthorized transactions I called the card company and cancelled my card. I then called and made a dispute to get my money back but My refund was denied because there wasnt sufficient evidence when I made the dispute. They then told me they would send me a letter in the mail In 7-10 business days saying why my dispute was denied and in the mail would be more forms to dispute the denial of my refund, but I never got a letter in the mail even after almost a month. I tried calling again, the company is still telling me that there are no new updates and the dispute team has been working on it but its been almost 4 month since I filed a dispute and I still havent received my refund for the unauthorized transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX  are showing the only ADVERSE ACCOUNT on my credit report to be a XXXX XXXX credit card which I do not have and have never had, a XXXX XXXX credit card. 
On a phone call with Experian they confirmed that the XXXX for the XXXX XXXX account did not match my own but they have not removed the false information from my credit report. I have made the same complaint to XXXX. They know the charge is not mine but have yet to remove it. 
It has been almost a year since I have contacted them and they still have yet to remove the data from my report. 
These agencies have caused me serious distress and have lawlessly disobeyed the requirement to remove false data within 30 days of confirming the inaccurate information.
Product: Credit card or prepaid card

I received a mailed advertisement from Discover about their Discover It card. As I've been looking to replace my current credit card I followed the links and prompts listed in the information to find out what my credit line would look like with that new card. In completing the application I was notified an account was created, which is not what I expected -- I was merely trying to get an estimate of my line of credit. I immediately called the customer service number ( XXXX ) and told I am not able to cancel the account until documents are generated in the coming days, leaving me unable to close an account I never wanted to open in the first place. I expressed my concern to the employee, XXXX ( employee # XXXX ) who reiterated and confirmed she wouldn't close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
NAVY FCU XXXX
Product: Credit card

I applied online for a promotional offer. They approved me. I spent money on the card to start getting my award. They then said I had it 3 years ago I need to wait 4 years. I said you approved me. I spent the money and now you say this. They did not disclose this before approving me. They could have rejected me or let me know ahead of time. That information was not clear in the advertisement. I sent them photos. I called and explained the situation several times. After being denied by letter on XX/XX/XXXX I spoke to a manager, XXXX who gave me a small XXXX compensation in miles and {$100.00} statement credit. He said he will re submit the information. I called back again XX/XX/XXXX the man XXXX said they were still waiting for a response. I called back on XXXX XXXX and the girl said to check on my next statement. I have not received any further information or credits or bonus miles. I called today XX/XX/XXXX. The man, XXXX said it was rejected, but I never got a second letter or response. He said this information is usually hidden in the fine print and he can not to anything more to help.
Product: Credit card

On XX/XX/year> I noticed an unauthorized inquiry from Capital One. I called Capital One and told them that I did not apply for a card and they said they would address the matter. Nothing happened and on XX/XX/year> the Capital One card showed up on my credit as a new account. I contacted XXXX over three weeks ago. This fraudulent account and the unauthorized inquiry associated with it is still on my credit report.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you donot validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

Hello, I have been receiving weekly calls from a debt collection agency ( ERC ) regarding a debt owed by my ex-wife. I do not know what the debt is, or how much, yet they somehow have my phone number on file and continually call me asking for her. I have spoken with agents at the company multiple times, yet this keeps occurring. I also block the phone number used to contact me, yet they are still able to get through using a different number. This seems like pretty shady tactics to me. The most recent call took place at XXXX Thursday, XX/XX/20. The phone number used was ( XXXX ) XXXX. I will list other numbers they have used recently below : ( XXXX ) XXXX ( XXXX ) XXXX Please help to resolve this issue - I in no way am responsible for this yet I keep getting harassed. And on a personal note, Im glad someone brings up my divorce on a weekly basis I so I can relive all of that again - not only is this bad business practice but frankly it is disrespectful and insulting that this business is choosing not to respect me and my time or personal life experiences. 

Thank You, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/21 I was charged for {$63.00} that I did not recognize. The transaction date of the charge was XX/XX/21. I called Bank of America for information. They said they would credit my account. Credit for {$63.00} was received on XX/XX/21. I later recognized the charge and called Bank of America to advise it was valid and they should reverse the credit. They debited my account for {$63.00} on XX/XX/21. At this point everything was resolved. 
Bank of America debited my account for {$63.00} a second time on XX/XX/21. I noticed the charge and called on XX/XX/21 to request credit for the duplicate debit but was advised there was no one there to help me and I would need to call back the next day. I called again on XXXX. The representative who answered transferred me to another department as she could not help me. The second representative said I was transferred to the wrong department. I had already been on hold for over an hour and requested a manager. She advised that no mangers were available and I would receive a manager callback within XXXX hours. 
XXXX hours later I called Bank of America again, this was on XX/XX/21. I spoke to XXXX. She requested home & cell phones numbers, I gave her both. She requested them again. I repeated. She said I will send you a text, I asked her to wait on moment while I turned the cell phone on. I told her it was powered on and she said never mind, she would call my home number. I said when? She said immediately. I told her if she did not call I would file a complaint as I have already spent over XXXX hours on hold. She never called but I did receive a text from Bank of America. But since she never bothered to call me the text code was useless. I want credit for {$63.00}.
Product: Debt collection

Received a letter on XXXX XX/XX/2021 from Southwest Credit XXXX XXXX XXXX, Suite XXXX XXXX, TX XXXX with an unfounded clam that I owed a power company, XXXX credit account No. XXXX a total of {$720.00}. I responded in writing that I did not open that account, I did not and have never had any accounts with XXXX and that I did not own any overdue debts to them or anyone else. 
They responded by sending a copy of the bill from XXXX with my name and some ones else address in another state I have never been to. They made NO attempt to validate if this was a valid charge against me and then filed a debt collection on my XXXX credit report. 
I told them in writing that this not my account, that this was not me and that I have never had any dealing with XXXX. 
This is no more than a strong arm/fraudulent attempt to collect money they aren't owed and don't deserve!
Product: Debt collection

Identity Theft, PARAGON REVENUE GROUP are using name, address and Social Security number is being used fraudulently and has taken the signature and the instrument like it belongs to them and trying to collect. I do not know who this company is and have not authorized any use of this information and they are causing defamation of character and threatening the credit report.
Product: Mortgage

I called Freedom mortgage today and i was hung up on when i asked why i was being told the mini miranda rights when my account has always been current the rep could not answer put me on hold just to terminate the call. I called again and when i was told that the phone call was going to be recorded i told them that i did not agree to record the phone call and they were quick to tell me that they would terminate the call. i asked for a manager and explained that i was within my rights to not have the phone call recorded. My mortgage was recently transferred over to this company and i do not feel that they are following your protocols or the state protocols. I hate this company already. Please audit them to ensure that they are following and respecting their clients rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been monitoring my credit report with XXXX for about a year and I check my report often and I notice a few day ago a debt collection agency popping up out the blue states it been there but it was not so on there before I disputed CBE Group for charter communications which XXXX XXXX reported for the same charter communications Which I spoke with CBE has a different amount so they say it was not a duplicate I only had 1 past due account with XXXX and the number listed to contact cbe group is a recording
Product: Credit reporting or other personal consumer reports

Good day XXXX XXXX XXXX XXXX XXXX XXXX XXXX ct XXXX FL XXXX XXXX Last XXXX ss # XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. 
Account name : XXXX XXXX XXXXXXXX Dates reporting NOT Accurate : XX/XX/year> Please fix this immediately as it is hurting my chances of buying a new home and IAM XXXX yrs old XXXX have NEVER missed a PAYMENT EVER! these late payments are NOT Accurate. Thanks for your help,
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 checking credit report beside always having problems with bayview loan they say i have been late 18times not true i use to mail payment getting their b4 the XXXX i have proof-then a few yrs ago i started paying thru computer i have proof since XXXX this year i have had lotst of major problems from car-house, work, sick animals, had to buy denture upper broken half-then few weeks later bottom broke cost me to use credit card still paying, loan going up XXXX this 2019 from XXXX to XXXX plus 2nd moratage XXXX that is over XXXX month i only bring home about XXXX or less i spent over 2weeks filling out forms for a modification i know i can not make payments letter return i did not understand saying credit score only XXXX which is wrong is XXXX i called they told me my score was to high if no help i may have to go bankrupt witch i do not want to do i work so hard to get the score up i never seen any one have so much back luck as i have had from XXXX to XX/XX/2019 i just need help i still need the rest of my roof to be done now 2yrs only able to get one side due to a big leak insurance no help, the 1st part XXXX the other half if done will be XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Discover credit card, ending in XXXX, that is presently under a reduced interest repayment plan. The plan has been in effect since XX/XX/2021, and the company has in the last 30 days reported me as being late for payments, while under the protection of the repayment plan that goes for 12 months. The company has refused to remove the late reporting with all trade lines and as a result has adversely affect my ability to maintain good credit, or obtain new lines of credit. This action is a clear violation of the Fair and accurate credit reporting laws, and is viewed as Unfair Deceptive Acts and Practices. I am Demanding the reporting of being late, while under a repayment agreement, be removed from all trade lines immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an investigation request to XXXX and Trans Union on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not.
Product: Student loan

Fedloan " took over '' my XXXX  XXXX loans and I choose the graduated repayment option because with my job I get a small raise every year and that made fiscal sense. This disqualified me from public loan forgiveness ( which is not my main complaint ) which I did not know. My monthly payment was {$200.00} a month. I took some additional XXXX  classes and my loans went to deferment. Once I completed my classes my loans went into repayment status but Fedloan switched the terms and agreements without telling me FROM graduate TO standard repayment which jumped my monthly payments by over {$120.00} a month to {$320.00}. This happened early XX/XX/2019. I called to ask why they changed the type of repayment and them to let them know I did not have an additional {$120.00} a month but could still afford my {$200.00}. They would not help me other than telling me I make too much money for income driven but to refinance for another 10 years and that my interest rates would most likely jump so my payments would not actually be any lower than the current {$320.00}. 

So I reconsolidated with XXXX XXXX because they were the only financial institution that could get me back to the lower {$200.00} a month payment which I could afford. I made my XXXX payment with Fedloan. XXXX XXXX bought 3 of my 4 loans from Fedloan and indicated which specific loans they purchased when they sent the check in late XXXX. Fedloan claims they did not know what loans were being paid off and applied the {$12000.00} check to all 4 loans and then still charged me my full {$320.00} payment in XX/XX/2019. I called a few days before my XXXX payment was due and was told by a Fedloan representative my XXXX payment would not get pulled because they got the {$12000.00} check but it still got pulled. I have talked with four different Fedloan representatives all which give me different information. One told me my payment would not get pulled. One told me a refund would take 2-3 business days. One told me a refund would take 30-40 days. Three of them told me they did not know what loans the {$12000.00} check was for even though XXXX XXXX confirmed they sent a roster to Fedloan with this information. 

I understand customer service representatives have a hard job but Fedloan as a financial organization has been HORRIBLE to work with. Being lied to, given incorrect information and misapplying payoff money as well as pulling payments for loans that have been paid off is just a snapshot of my interactions with them in the past 5 weeks. If you have a choice DO NOT service your loans through them.
Product: Student loan

I have been paying my student loans regularly and on time. My Cosigner and myself saw a huge drop in our credit scores. I called them XXXX  ( XX/XX/XXXX ) they could not find the issue at first. They eventually found the issue and said it would be rectified and would give me a call that Monday ( XX/XX/XXXX ). They did not give me a call. I called them Tuesday and they gave no help on fixing this problem. They stated it just went on to review which they said they were doing that Friday ( XX/XX/XXXX ). My cosignor and I rely on our credit score to be good because of our business.