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

My husband and I got married on XX/XX/2020. Our names have been legally changed since XX/XX/2020 ( before quarantine even started ). We have updated our information with the Social Security Administration, the Department of Transportation, and all of our financial institutions. Both XXXX   and XXXX have already updated our full names to the correct legal names. Yet, as of this evening on XX/XX/2020, Equifax has yet to update our names to match everyone else. 

We submitted our first Equifax dispute by mail on XX/XX/XXXX, as directed by a call center representative. Though we included all the necessary information, they still closed our dispute without updating either of our names. Since then, we have submitted an online dispute on XX/XX/XXXX, which was met with the same result ( or rather, lack thereof ), and again on XX/XX/XXXX, this time submitting both by mail and online. We have yet to hear back about our third attempt, but sadly, I fear Equifax will continue to blatantly disregard our request. 

Now, under normal circumstances, I would be more patient, but my husband and I have been trying to apply for a mortgage since late XXXX, and Equifax 's lack of response has been the only thing holding us back. We implore you to please hold Equifax accountable for the upkeep of their records, so others may not be forced to experience this.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/2020 It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX SSN : XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date XX/XX/XXXX To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error Inaccurate Addresses : 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 XXXXXXXX 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  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate phone numbers : ( XXXX ) XXXX Phone Number XXXX XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is state that my mortgage is behind in the amount of {$5300.00} which is not corrected. I have send two certified letter to this company asking them to provide detail of alleged debt and how it was calculated according to FDCPA. It has been 30 days and still no response. i have taking every measure under the FDCPA to get them vaild the alleged debt owe but still no response. I truly need your help with this matter. 

Thanks XXXX XXXX XXXX Cellular
Product: Debt collection

On XX/XX/XXXX I received a notice from the Collection Bureau of the Hudson Valley , INC. to creditor XXXX  # XXXX, CBHV # XXXX dated XX/XX/XXXX, for a baance due {$180.00}. I immediately called XXXX XXXX that this case was closed by XXXX XXXX XXXX XXXX XXXX. on XX/XX/XXXX, his reply was that they do not deal wth other Credit Companies and I have 30 days to dispute the validity of this debt. ) On XX/XX/XXXX, I mailed a disute letter with CFPB Case # XXXX, XXXX  Case # XXXX and a letter from XXXX XXXX that the case is closed. I have not spoken to or received a reply to my dispute. Please see attached ( 4 docoments. ) Thank you, XXXX XXXX
Product: Debt collection

On XXXX/XXXX/17 I contacted Equifax about a collection debt appearing on my credit report that does not belong to me. Equifax informed me there was nothing they could do to correct the mistake. The alleged debt is from the company XXXX XXXX XXXX in the amount of {$1000.00}. I do not have a signed contract nor any contract with XXXX, XXXX. I have never done business with this company. I am not liable, nor am I responsible for collection from this alleged debt with XXXX, XXXX. This negative mark is affecting my credit score heavily. Please investigate this matter and remove this inaccurate information from my credit file with Equifax.
Product: Money transfer, virtual currency, or money service

I've had an ongoing issue with logging into my account, since I changed my email, password and number. I am unable to log in on my laptop. I prefer to use my laptop when I use PayPal. I was easily able to do this with my old number. All of a sudden, the issue with the error message will not disappear from my screen when I am prompted to receive a text message. I have attached the screenshots I sent to the CEO, VP and XXXX team over at PayPal. There should be a high-level tech support who can bypass this error and fix this error message I am getting. It is preventing me from using my PayPal account. Please see the attached screenshots
Product: Credit card

After 20 years of perfect credit with Citibank, they switched me to a paperless account without my permission, resulting in hundreds of dollars in late charges and fees ( and a dip in my XXXX score from XXXX to XXXX ).
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I entered Citibank for routine bank services which XXXX has provided for me many times in the past, and was turned away by two employees at two separate banches. These employees behaved in an unprofessional manner. The staff and bank branches are as follows : XXXX XXXX XXXX ID : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, NY XXXX XXXX XXXX XXXX ID : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, NY XXXX Songwriters recieving royalties from overseas, who wish to avoid being taxed in the XXXX, and then taxed again when their royalties are sent to the US, are required to submit forms stamped by their bank, so their royalties can be processed. A long-standing tax treaty exists between XXXX countries and the US to allow songwriters to be exempted from being double-taxed on royalties. Banks are required by law to provide this service upon request of their clients, provided the forms are in order and the customer is a XXXX citizen, such as myself. 

Despite Citibank stamping my forms as recently as XXXX, not a single individual I spoke with would provide me with this routine service. Customer service was also an absolute dead end, and when I resorted to sending the forms to the fax number of the branches, connections were abruptly terminated and I recieved XXXX replies. 

It is illegal to withhold services from a customer for no reason. This service is not granted as some kind of courtesy from the bank, but is an integral part of commercial banking. 

Both employees seemed to lack training in how to handle this basic request, would not complete the task themselves, and could not find anyone else to assist me, neither via phone nor at the branch itself. I was treated dismissively, and was forced to return home with no resolution, missing the deadline to submit my forms. All messages I left subsequently, requesting assistance, went unanswered. 

After reading thousands of complaints against Citibank, my household began moving the bulk of our modest deposits to another bank. This last disgraceful incident indicates we were right to do so. To treat a customer like a criminal trying to pull a scam, when they are trying to conduct completely ligitimate business, displays extreme prejudice to creative professionals struggling to make ends meet. 

I must now wait till the next royalty distribution to try again, but I don't believe Citibank will respond and I am hesitant to make the 4 hour round trip into XXXX only to be turned away again.
Product: Checking or savings account

Please refer my complaint against Bank of America during last month. Complaint XXXX XXXX. I have explicitly told Bank of America to not call me unless you have a resolution. Bank of America really needs to be trimmed down and become efficient. Somebody from Bank of America called me for this case when i was totally busy. 
Whenever somebody from Bank of America- they waste a lot of time in verification etc ... Bank of America might say that it's part of their job but why not be more efficient and not waste customers ' time, Today at around XXXX, I called Bank of America as I was not able to setup XXXX even after providing new email-ID. It's saying that email-ID exists. Tried call and asked for supervisor..Supervisor disconnected the call - almost 45 minutes got wasted. Tried on teh chat- they were not good enough to resolved on the chat also. 

But suprisingly Bank of America is too easy when it comes for ACH or wire- as they make money in these kind of transfer service. XXXX is too difficult and intentionally Bank of America is making it difficult for the customers.
Product: Credit reporting or other personal consumer reports

I have an open investigation going on with XXXX, EQUIFAX AND XXXX regarding inaccurate information that is being reported on my credit file. EQUIFAX mailed me a letter stating that it could not remove information from my report even though, I submitted proof that such information was inaccurate and incomplete. This is a violation of my privacy rights as a consumer as well as 15 USC 1681 ( a ) ( 1 ), 1681 ( a ) ( 3 ) and 15 USC 1681 ( a ) ( 4 ). In their letter they also mentioned that I needed to resubmit my identity theft report along with a copy of my ID. As a result, I'm sending copies of ALL documents to ALL reporting agencies to aid in the removal of the inaccurate and unauthorized items listed on my consumer report. Information on my report must be accurate among all reporting agencies including 3rd party agencies pursuant to 15 USC 1681e ( b ). I have a right to have these items removed according to 15 U.S.C. 1681i.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> someone changed all my personal information address, phone number, email and they took over my Capital One application. They started using my cards, I reported to them they put a fraud department until I was able to verify my information which because my driver 's license was expired I was able to renew my driver license until XXXX XXXX meanwhile, I didn't have access to any of my information. I called them on in the middle of XXXX to provide them with my driver 's license. They had do the whole verification process which they did. After verifying my identity, they switched all my information back to the original one. On XX/XX/XXXX They let them again switch all the same information to their information and started using my card again. NO one had my ID but Capital One. They let them take over my account. They even send them my credit cards to their address. When I specifically told have my account in high alert I will never change my mailing address or phone number. I didn't know how it was possible for them to let them change everything and when I notified them I had to do so many verifications. Is affecting my credit report. 

I have two credit cards with Capital One they took over both of them
Product: Debt collection

I received a phone call at my employer on XXXX/XXXX/21. I was not at work at that time and they left a number which is XXXX. They said they have a case number against me which they stated it was XX/XX/XXXXXXXX. They said it was for XXXX which is my name. But no last name. 
There are 2 XXXX  that work at my job and they gave it to the other XXXX and she called and they asked for her last 4 numbers of her social that is when they informed her they weee looking for XXXX XXXX which is me. When I got to work on XXXX/XXXX/21 they handed me the note and I called. They then told me to call another number when I would get out of work or they would send papers to where I work because they said they tried to deliver me papers at home but they couldnt. I have emergency custody of my granddaughter and someone is always here with her because of covid and the circumstances of why I have her she is at home most all of the time. When my husband and I leave for work her caretaker comes to our home and stays here. When I asked they said I should have received it in the mail and I said I never received anything in the mail and they blamed it on the mail system. 
It was a debt I owed 12 years ago to Kay jewelers for a charge of {$78.00} and they told me the total charge now was {$720.00}. 
Because I was so upset my daughter called the number and they said it was XXXXXX/XX/XXXX in California and that I was to speak to a XXXX XXXX. Also when my daughter said she was going to report then they called her a XXXX and hung up They had my social security number and my birthday. And I am worried about them calling my employer and them being concerned about me
Product: Credit card or prepaid card

XX/XX/2019 I have been a customer of USAA for over 11 years with a perfectly clean credit record and no insurance claims. On XX/XX/XXXX and again on XX/XX/2019 my home was broken into and my credit card stolen. Around midnight on both those days, the card was fraudulently used by the thief at a XXXX XXXX located nearby in the amounts of $ XXXX XXXX a total of 3 such charges for gift cards and another of $ XXXX for bicycle parts ). When I discovered and reported the theft to USAA on those 2 occasions they reissued a new card indicating that they would remove the charge from my account while investigating the fraud. In the meantime we received a fraud report from the local police department together with a still image of the theft using the card at the exact time stamp on our statement. We uploaded those documents as requested to USAA. Soon after the fraudulent amounts were reinstated on my account and when I called the customer service department was told that my claim had been denied. I was also told that they could not see the police report and that they would resubmit the claim. During these 7 months I have spent over 20 hours on the phone with USAA to try and talk to their fraud department and understand why their zero customer liability on unauthorized use of a credit card does not apply to me. The company puts a firewall around its fraud department and makes it impossible for customers to talk to members of their team. Moreover, promises to respond to my telephone inquiries by email are not kept and I am sent into a circle of unresponsive resolution. I am asking for the CFPB to help me understand what additional information USAA needs from me to fulfill the obligation of their terms and conditions regarding zero liability and perhaps use your leverage to stop this abuse of the veterans who are its bread and butter customers
Product: Payday loan, title loan, or personal loan

Starting XX/XX/XXXX 2 days after my payment is due Myself and spouse continue to receive 3 calls a day each Monday through friday. I also received 1 call on each Saturday since. My spouse explained we would pay as soon as he got paid in 2 weeks. They have continued to call myself and spouse 6 times each weekday since.
Product: Credit reporting or other personal consumer reports

Hey To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there are unauthorized credit inquiries made by the companies listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above.

According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.

Your immediate attention to this matter is appreciated. 
Sincerely, unauthorized credit inquiries : 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 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 or other personal consumer reports

XX/XX/2023 Dear Sir/Ma'am, I am writing you this letter regarding payments that were marked late by your company for the following accounts : XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXDOFED Account # XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 
Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX Bank account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, and XXXX XXXX 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Debt collection

I was allowed to get out of my lease at XXXX XXXX  early because of an incident that occurred at the complex. I cleaned the whole apartment for 5 days and had the carpets shampooed with a professional carpet cleaner. I followed all of the instructions on the move out guideline the complex provided and beyond what they required since I had read all the XXXX reviews about the place charging grossly exaggerated move out fees. I took photos of everything and had the maintenance guy look at the apartment before I turned in the keys. I was out on time and left the place better than I got it. I month later I get some fees regarding a violation and the carpet. I disputed the charges with the complex and they only removed the violation. The carpet was not damaged, stained, or torn, according to their own contract, the damage would be considered normal wear and tear yet they decided to replace the carpet and send me the bill. I sent the collection agency a letter disputing the charges and gave them pictures and a copy of the contract but they ignored the evidence and proceeded to ruin my credit. I disputed it with XXXX and they have removed it twice, now I'm disputing it again and want to make a complaint again this gross overreach of unfair and unnecessary charges.
Product: Credit reporting or other personal consumer reports

RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. 
HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX