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

I have a loan with VEROS, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called VEROS and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, and VEROS with no successful resolution. XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX on : XX/XX/XXXX about a unauthorized inquiry on my report dated for XX/XX/XXXX ... I was informed after providing my name that XXXX  XXXX XXXX was unable to provide information about the inquiry or any form of application for credit to prove consent.
Product: Bank account or service

I received a fraudulent check, one of those scam checks, for my car over 7 years ago. Once that check did n't clear and was returned, I thought the money was taken out of my account. I submitted a police report of the fraud and have not received a letter explaining the debt owed since it first occurred. Now, I am trying to open a business account at same bank and they are saying I owe the money from that transaction, without providing me with any letters that were n't sent to me or evidence of the transaction. I keep getting transferred to different departments with no one being able to give me an explanation beyond, " you owe that debt ''. I believed this debt was taken care of 7 years ago but now it 's come back to haunt me. What can I do in this situation? Is n't there a statue of limitations? I know for a fact the bank did not keep this relatively small debt on their books all these years, so why do I have to pay it when I do n't even think it 's valid?
Product: Credit reporting, credit repair services, or other personal consumer reports

Thefollowingcompaniespullmycreditreportandassessifmyfinancialprofilewithoutmyauthorization.Ididnotapplyforcreditsothereisnovalidreasonforthemtoopenandcheckmycreditstanding..HavethisinquiryremovedfrommycreditreportasapXXXXXXXXXXXX,XXXX,XXXXXXXXXXXX,XXXXXXXX,XXXXXXXXXXXX,XXXXXXXX,XXXXXXXXXXXXXXXX,XXXXXXXXXXXXXXXX,XXXXXXXXXXXX,XXXXXXXXXXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act 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 SECTION 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received an alert that Amerisave Mortgage Corporation requested a copy of my credit report. I also received another alert that XXXX XXXX  XXXX also requested a copy of my credit file. On XX/XX/XXXXI received a letter in the mail from Amerisave titled : Notice to Home Applicant, with details of my credit report. I have not applied for a home loan and I did not authorize either company to pull my credit. I did not speak to anyone from either company, neither did I fill out a credit application for a home loan. XXXX XXXX  XXXX said I needed to speak to Amerisave, I have not been able to reach anyone at Amerisave after several attempts, I even left a review in hopes that someone would reach out to me. I also called XXXX  and they stated I needed to contact the company to file a dispute but I am unable to connect with anyone from Amerisave.
Product: Checking or savings account

Hello, I have an account with Citibank institution. On XX/XX/2017 I issued a check to XXXX XXXX XXXX for the amount of {$1600.00} for my health insurance. A week or two later once at my Doctor 's office, it was brought to my attention that I had no heath coverage and than my insurance was cancelled. It turns out that my check never made it to its destination rather someone endorsed my check to themselves at a XXXX XXXX XXXXXXXX location. Unfortunately, I have still not recovered the funds from Citibank even though it has been past 90 days which is the estimated time to investigate. I have been given the run around and I need to get my money back. I would greatly appreciate your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX, I am writing to dispute inaccuracies that are currently appearing on my credit report, which is affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date Opened XX/XX/2021 Status Paid, Closed. 

I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,
Product: Credit card

Hello, I need help. I am a citi bank customer, I have regular credit card with citi bank, also I have credit with citi bank with XXXX XXXX. My XXXX XXXX credit card was closed, they've requested XXXX for both of my cards. I already sent it for my regular card and removed block from it but my XXXX XXXX card was closed despite they receiving my XXXX form. They told me that they won't reopen my card. Please help me to reopen it.
Product: Debt collection

CMRE FINANCIAXXXX YOU ARE BREAKING THE LAW! 

This is a warning notice to the alleged wrongdoer of such debt : which you are a debt collector because you are simply attempting to collect a debt. Well multiple alleged debts. I noticed I have been violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ). There is evidence of the use of abusive, deceptive and unfair debt collection practices. 

Until you can provide me with documentation stating that I gave you my authorization and request to release my personal and medical information/records, I demand that you block and cease collections on the following accounts from my consumer report. 

-CMRE FINANCIAL XXXX {$65.00}, {$74.00}, {$74.00}, {$100.00} These violations have caused numerous injuries to my life. Under the Health Insurance Portability Accountability Act of 1996 ( HIPAA ), I reserve the right to private, personal and medical records from all third party reporting agencies and collection agencies. 

According to 15 USC 1692c ( c ) ( 2 ) I am involving my specified remedies as a consumer and I am demanding all of the following : Provide proof of a contract between CMRE FINANCIAL and I Stop all negative reporting scribing to all consumer reporting agencies Remove and block all negative reporting activity XXXX out balance Remove any late payment reports Need a Full audit trail For each violation I would like to be compensated {$1000.00} You are civilly liable. If I dont receive a response that will result in additional violation to the FDCPA. 

This letter is a request for validation and remedy for violations continuing to report this medical debt without properly validating and providing me proof of permission is a validation of the FCRA ( Fair Credit Reporting Act ). 

You have 15 days to respond to this request or this alleged debt will be considered invalid and the demand for removal from reporting to the credit reporting agencies will be required! 

Best regards : Done in good faith. Without prejudice. All natural inalienable rights reserved. 
XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on the phone daily with this Ally auto. I am unable to get anything resolved due to representatives, supervisors and managers hanging up on me. I have asked for corporate assistance and have received none I've waited days for callbacks and just need a resolution. I made a payment it was applied to interest only to which the manager XXXX at extension XXXX advise me their payment processing center is allowed to apply payments anyway they see fit. I made a payment which was withdrawn from my bank account and offered to show bank statement even provided the confirmation number through the website and my bank to which I was told does their company no good I need to dispute it through my bank. This is all caused a 30 day late hit on my credit and over {$100.00} in late fees. All I want to do is pay this loan off and not deal with this company again. I need the 30 day hit removed from my credit so I can do this. Ally continues to tell me to dispute it through the bureau and if I had any faith in the company I would do it but I don't.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : 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

I advise the Company that I did not apply nor Sign with my handwriting Signature Consenting For Sesvices with them.I also advise I do not know how they got access to my informationbecause my TransUnion account should be frozen.

I am attaching screen shots of my transunion and XXXX report. Per transunion you will see if is showing 2 hard inquiries. Per XXXX you will see 1.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had Federally supported freezes set up on all 3 major credit bureaus for years and have had no issues controlling those freezes either online or via phone until recently. I have a combined credit score over 800. Recently I have had problems with being able to log into my Equifax accounts to control Federal freezes. I was able to reach a live person after long phone waits and exhaustive questioning, and while all the reps speak limited English making the process more difficult than necessary I finally got a competent rep who said my account was permanently locked, and while they could/would not explain why they were supposed to delete it and inform me via email so I could try and re-establish. It has been two days and that has not happened yet. XXXX  is even worse ( different complaint ) but I have absolutely no problems with XXXX  and am recommending to lenders that they simply use XXXX  until the other two agencies improve their customer service.
Product: Debt collection

A XXXX sales person came and pitched for a lucrative internet service. His name was XXXX, phone number XXXX. He told that he will send a box with an activation code, which I need to fix for the internet to start. He never shipped me the box and as a result I never installed or used XXXX. The XXXX XXXX sent me a bill of {$100.00}. I called them atleast 3 times and explained that I never got a box and as a result could not use their internet. The first customer rep was very rude and told that I even though I havent used it I need to pay. I called again exactly 2 days later the customer representative was kind and he went through lot of data and realized that I havent used their internet service and he told me to cancel the bill. But after a month I got a call from XXXX and this lady was very very rude and told me to pay the bill or will sent it to collection center. I requested her to look into the data. She said I dont want to look into anything and it was incumbent upon me to prove that I havent used it. I provided her all the proof but She sent it to collection center. 
Three collection centers are involved till now. 
To the first and second collection I called them and then provided all the proof. They stopped. Now its referred to third collection center. 
Now I am done with this XXXX false tactic to extract money from me. This is torture and frustrating. 
The third collection center which they have referred to is I C System Inc. ( phone # XXXX ). This is very frustrating and please help me.
Product: Debt collection

This debt was already paid for by XXXX. This debt was signed for by my childrens father not me. Commonwealth financial fraudulently purchased this as a debt when it was not. Even there hospital said it was paid. This company does not act on fair credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have documents of my security freeze placed XX/XX/2021, with extended fraud protection. but still see inquiries on my account, as a Victim of fraud, XXXX XXXX, capital and other institutions, used and complied incorrect information about mw with out letting me make corrections to these accounts that did not seem recognizable. these companies did not investigate this mater as I have a written letter to the data furnishers that the information I had got verified with notary did not match their records, there fore they are resorting to report the wrong information. this led to Injury to my credit report and credit score.

FCRA Section 604 ( A ) ( 3 ) was violated I can show all corresponding documentation for letters and how they have not changed the correct information for this I have been denied finical services in the pass and housing options. This creditor/Collection agency, failed to report a disputed debt to the credit bureaus. Protection under the FDCPA FDCPA Section 807 ( 8 ) I demand XXXX complies or i will be using all documentation as evidence to show in court I have documents of my security freeze placed XX/XX/2021, with extended fraud protection. but still see inquiries on my account, as a XXXX of fraud, XXXX XXXX did not investigate this mater as I have a written letter from the data furnishers that the information I had got verified notary did not match their records, there fore they are presorting to report the wrong information. this led to Injury to my credit report and credit score.

FCRA Section 604 ( A ) ( 3 ) was violated I can show all corresponding documentation for letters and how they have not changed the correct information for this I have been denied finical services in the pass and housing options. This creditor/Collection agency, failed to report a disputed debt to the credit bureaus. Protection under the FDCPA FDCPA Section 807 ( 8 ) I
Product: Debt collection

Upon checking my credit report, I have notive that this company negatively reported my information to the credit agency.. I have never received any type communication regarding this debt for me to even look at it and dispute it and you have to fail tom comply with FDCPA and the FCRA Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to Health care provider for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization. Please provide me with these following or delete this debt from my credit report. 
- Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Proof me that you are properly license to collect debt in my state. 
- Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, of which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 
Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Product: Credit card or prepaid card

I received a letter in the mail that my account will close for inactivity unless I use it in the next 15 days. That letter was dated XX/XX/XXXX. 

When I picked up my mail last, it was the weekend of XXXX XX/XX/XXXX. This letter was not there. I visited my post office again on XX/XX/XXXX, yesterday, and saw the letter. 

The account was already closed. I was taught by XXXX XXXX that you should never close your account because it is part of your credit history. My card was still active until XXXX. I could have used it for emergencies. I called four times but they were not understanding. They said they sent that letter and that I did not respond. They changed the subject to the other credit card I have with them. I called 4 times asking speak to a XXXX  The fourth time I was kept on hold at least 10 minutes. This did not allow me to take a survey. 

So I think that if you are a customer in good standing, this is discrimination. Only I can close my account. I should not use my card just to keep it open. They said I have not ised it since XX/XX/XXXX. XX/XX/XXXX was a pandemic. They should be hapoy for the inactivity when there are so many people who can not pay off their card. Again, this egfects my credit score. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to financial hardships I took the initiative to apply and was approve for a repayment plan with XXXX XXXX XXXX  for my car loan. I agreed to pay {$450.00} on the XXXX of every month for the next 8months and after my regular payment cycle will continue. I paid my part of the agreement. XXXX XXXX reported inaccurate information on my credit report which is a violation of my consumer rights, which placed me at a risk for fraud. I am mentally distress due to the breech in contract. I contacted XXXX  XX/XX/2023 and was told I could receive a waiver due to their lack of miscommunication of the repayment plan and their inconsistencies. I was told to wait 45 days. It has been more than 45 days and I have not received anything in writing. I am writing a complaint because this company has reported inaccurate account information of alleged late payments for the months of XXXX XXXX XXXX and XXXX of XXXX  and is inconsistent. My credit report has change numerous time due to XXXX XXXX incorrect reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of fraud and I want my financial freedom back. My complaint is against CASHCALL account # XXXX, date open XX/XX/2015, balance {$0.00}, status paid and closed. I already tried disputing this with the company and they still have not remove fraudulent account from the 3 credit bureaus ( XXXX-XXXX-XXXX ) violating the FCRA in which the credit bureaus have to remove the fraudulent information. The FCRA requires credit bureaus to block the fraudulent information from my credit report as resulting from identity theft within 4 business days and to promptly notify the business that sent you that information. I want the mentioned account to be remove from my 3 report as soon as possible due to the fact that it is a fraudulent account. Im attaching a Federal Trade Commission report, with letter sent to CASHCALL alerting them that this account has fraud charges. In the case that  the account still remains in my report I will take legal action against CASHCALL. This is a clear violation to my financial rights and to the FCRA.
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 1681. 
I ask Experian, XXXX, and XXXX to reinvestigate these accounts : 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 : FRAUDULENT ACCOUNTS Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Account is fraudulent
Product: Money transfer, virtual currency, or money service

XXXX XXXX at XXXXXXXX XXXX central time I was paid XXXX dollars through venmo. All I did was try to transfer the money they have froze the account. Took almost 8 days to get a response from support they asked for verification that I gave. 2 days later I can't get a response and my account is still froze and they are still holding the funds. I feel like this is a tactic to hold as long as possible to collect interest on the funds.