23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Last year CCO mortgage who holds a XXXX on my house of less than XXXX on a house valued well over XXXX, purchased flood insurance at {$600.00} a month and charged it to my account. I already had flood insurance at {$300.00} a year and yet they refused to refund the {$600.00} to my account. Those actions make them fraudulent and unethical in my opinion and those are the exact words I put on all my bills that I pay for. Last month they decided to start harassing me by placing me on a " courtesy call '' list. My credit is well north of XXXX and I have never had a late payment to them or to any other institution. Despite this fact I am receiving daily phone calls that begin on the XXXX of each month for a bill that is due on the XXXX but not late until the XXXX. The ONLY reason for them to do this is to harass me. I have told them to stop and yet they still continue to do so. What are my rights and who can protect me from this unwarranted harassment?
Product: Debt collection

I dont know where this account is from, I have never used XXXX XXXX XXXX  before and your trying to collect money from the wrong person. This is not my account and this is not my debt. Tried to talk to to company that is trying to collect this and they would not speak with me about this debt.
Product: Money transfer, virtual currency, or money service

I initially went through XXXX to purchase currency and my transaction was denied 4 days after I submitted it. I called TD and they stated it is an issue with XXXX, but Ive since read that TD has been blocking virtual crypto currency. I just tried to start a transaction on the site XXXX and was denied again stating TD Bank is blocking you from enabling external transactions. This seems like theyre telling me I cant spend my money how I choose to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached letter 's mailed to your XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX and to your XXXX XXXX Attn : Executive Office XXXX XXXX XXXX / XXXX XXXX, OH XXXX Not getting a response in writing as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current address is wrong on all the credit reporting agencies. It says I live in an apartment and I do not, I live in a house. But you ca n't just correct the home you are living in currently. The current address they have listed is correct, but it has an old apartment number associated with it.
Product: Credit reporting or other personal consumer reports

I discovered accounts that do not belong to me due to Identity Theft and have filed paperwork with identitytheft.gov and am working to have these fraud accounts removed from my credit reports. I have contacted the companies in question and nothing has been done so I am here now to complain and attempt removal this way.
Product: Debt collection

Collection Agency : Financial Assistance Inc. 
Type of disputed information : Move out charges of {$1100.00}, which is bogus and unsubstantiated Dates associated with item being disputed : XXXX After moving out of the apartment complex, the Landlords falsified damage charges and refused a refund of security deposit. The move-out sheet, filled with pencil, was fraudulently signed and dated by the landlord where the tenant ( myself ) should have signed. This was done after multiple attempts to reach the landlord to schedule a move-out inspection. In addition to withholding the {$400.00} security deposit, the landlord charged an additional {$910.00} for alleged carpet damage. Not only were the charges unsubstantiated, they were illegal according to the Revised Code of Washington under the Residential Landlord Tenant Act. 
After reviewing the supporting documents received on XX/XX/2018, it is apparent that the total charges did not provide reasonable evidence of claimed damage during my tenancy. Therefore, I formally disputed these charges and interest incurred. 
The photos provided from the creditor were all referring to routine housekeeping charges, which according to the move-out report and receipts, accrued to {$130.00}. There is no proof of damage done to the carpeting, which I was being charged {$910.00} to replace. 
I have discussed the inconsistencies in the move-in /move-out report with the creditor in the past, as well as the inconsistencies in their written and verbal communications. I have also indicated that the {$400.00} security deposit has been unlawfully withheld. 
The {$400.00} deposit was unlawfully withheld because no move-in checklist was conducted. As per the Residential Landlord Tenant Act, ( RCW 59.18.260 ), a checklist specifying the condition of the unit must be signed by the landlord and tenant upon commencement of the lease. Because no move-in inspection was conducted, the landlord had no right to assume damages were from my two year tenancy. After multiple requests, no photographic proof of alleged carpet damage was provided. The collection agency, Financial Assistance , Inc. also failed to provide any proof of carpet damage. Not only was no photo evidence provided, the landlord and collection agency couldn't provide any receipt validating the need for carpet repair. Financial Assistance Inc, did not even do the bare minimum to make sure the alleged damages existed, and instead went on the word of the landlord that hired them.
Product: Mortgage

My ex husband purchased a home on XXXX/XXXX/XXXX with only his credit utilized for the mortgage. I had a foreclosure the year prior and did not qualify for a loan on either a home or even a car. My ex husband signed the paperwork for the mortgage. On XXXX/XXXX/XXXX, my ex husband and I separated and he stopped making payments on his home that he lived in. We divorced on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX my credit was affected by his delinquency and also on XXXX/XXXX/XXXX the Loancare mortgage was applied to my credit report even though the entire time my ex husband owned the home, the mortgage account never showed up on my credit report. I called Loancare and it took the customer support specialist over 20 minutes to locate " my initial '' on a part of the paperwork for the mortgage, even though back in the XXXX of XXXX, my ex husband had to give a verbal authorization for me to speak to Loancare about his loan, since I was not on the mortgage. I 'm filling this complaint because Loancare is fraudulently claiming i 'm on the mortgage my ex husband signed and is now damaging my credit. Below is the LoanCare address information. 
LoanCare Attn : Cashiering Department XXXX, VA XXXX Telephone Number Customer Service : XXXX
Product: Debt collection

I worked at XXXX XXXX cable and received free cable while I was employed. When I resigned I cancelled service and moved ( XX/XX/XXXX ) yet XXXX XXXX kept billing me ( until XX/XX/XXXX ) at an old address. XXXX XXXX has now opened a debt of {$540.00} in my name with a XXXX aprty collection company XXXX ( Open date : XXXX XXXX ) which just showed up on my credit report. I have asked both XXXX and XXXX XXXX XXXX. I never recieved any notice of this debt until it showed on my credit report on XXXX XXXX. I have called each company numerous times and they will not return my phone calls.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Phone # XXXX Debt Collection Agency - Capital Accounts LLC XXXX XXXX XXXX XXXX, XXXX  XXXX Phone # XXXX Original Credit Debtor- XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Phone # XXXX Billing- XXXX Capital Account called me Saturday XX/XX/XXXX. After confirming my identity they stated that I was in default with a debt and that I owed {$1800.00}. 
I replied that this was a not my debt and that there must be a mistake. They again confirmed my identity and stated no this information had been provided the original creditor and I was in fact in default and owed the money. I responded then this is identity fraud as I have never visited this doctor, I live in XXXX XXXX, XXXX, and I have health Insurance. 
He became very irate and belligerent. At this point I hung up as I thought it was a scam. 

On Friday XX/XX/XXXX I received a credit alert on my XXXX XXXX Account stating that there was a collection of {$1800.00} on XXXX  XXXX XXXX. My score dropped 30 points. I was shocked. 

On Saturday XX/XX/XXXX I received a phone call from Capital Accounts LLC confirming my identity and requesting payment of {$1800.00} for collection of debt. 
I explained to the individual again that I believe this is identity fraud as I have never visited this doctor, I live in XXXX XXXX, XXXX, and I have health Insurance and if I did I would have paid him. She stated that I would need to contact the creditor directly to resolve it. 

On Monday XX/XX/XXXX I contacted the Doctor 's office directly speaking with the billing department. She confirmed that the individual in question for the outstanding debt was not me. She confirmed my age, address, and social security number. 
She stated that the collection agency was in error and she would contact them directly. 
Which she did and called me back stating that the Capital Accounts LLC would be contacting me and retracting the negative collection on my report. 

On XX/XX/XXXX, I still had not heard from anyone. I contacted the Capital Accounts directly and immediately they attempted to state that I owed the debt of {$1800.00}. 
After a few minutes of the collectors rant I informed her of my discussion with the original creditor and that I was waiting their call to discuss when my negative collection would be removed from the Credit Bureaus. She rudely stated it could take anywhere from 30-90 days. 

To be treated so terribly was shocking. The collection agency was able within days to discredit my Score and Credit Report with all 3 credit bureaus with no evidence, physical proof or documentation. I have had to prove my innocence, but they don't have to prove my guilty? And now I could wait up to 90 days for this to be resolved. Will this actually be removed completely? 

You don't treat people like this ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX I start to sending letter and I report to the police department because I run my credit and the accounts shows in my report and those accounts are not my.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card account with XXXX in XX/XX/2021 this account was open for XXXX months with payments successful, however XXXX and XX/XX/2021 I asked the bank to lower my monthly payments in an effort to stay current with my payment agreement. The bank agreed yet on my credit report months later the account reflects XXXX negative past due balances in XXXX, XXXX and XXXX but positive on time payments in XXXX, XXXX and XXXX.
Product: Credit card or prepaid card

Today I called up Bank of America because when I was reviewing my offers online it said that I needed to contact the number on my credit card to activate offers. I proceeded to call Bank of America and asked them about it, and they said that my account needed a review and that she could do it now. So I agreed. She did not inform me that something negativa could occur. I thought they just wanted to update income and address and stuff. 

Anyways after the call she said that they will be decreasing my available balance of {$12000.00} to {$800.00}. Mind you I had just paid off like {$8000.00} on this credit card to help my credit score.  Then they lower my credit limit which will surely affect my revolving credit and I will be less likely to get approved at decent rates. Seems like a scam the bank would profit off of, by damaging your credit score so that they can charge you more interest on auto loans and such. 

This is very upsetting, due to I recently had a premature child, and I had expenses because my wife had to stop working. Now that I am able to pay larger amounts back they take away a credit line if I needed it in the future. 

Very bad business! 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

please update address to most recent and update accounts to most accurate status.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX account number # XXXX. 

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 : Also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Checking or savings account

I banked with Navy Federal credit Union. I signed up for the overdraft protection. Which youre supposed to allow you to overdraft your account with no added or hidden fees. XXXX XXXX on more than XXXX occasion charge me overdraft fees, and it subsequently led my account to being closed. I do not currently have access to my account to provide statements dates and monetary transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2018 I started the process to open a Charles Schwab account that provided an debit card. In order to open this Charles Schwab account, there was a lot of forms that needed to be filled up. I was also under the impression that the debit card would be XXXX XXXX   compatible as shown on their website. When I received the card, I attempted to add this to my XXXX XXXX wallet, but it kept failing. 

When I reached out to Charles Schwab about it, they told me that the account type I opened was incorrect and they would be happy to open the right account type for me. Unbeknownst to me, they ran a hard credit inquiry on me. When I found out about this I called Charles Schwab again about it, and they apologized for it and had me close the new account. They also said they would contact the credit reporting agency ( XXXX  ) to retract the inquiry, and I would have to wait 90 days for this to take effect. 

90 days have passed. XXXX  still has the record, and Charles Schwab conveniently passed this off as my responsibility to contact XXXX. When I talked to XXXX, they refused to help me or give me any status update about this, telling me it is Charles Schwab 's responsibility to remove the inquiry. 

At this point, I'm out of options as both parties ( Charles Schwab and XXXX  ) have refused to offer any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have previously sent TransUnion a request to investigate an alleged debt on my credit report under the Fair Debt Collection Practices Act. TransUnion simply replied that the account is verified but did not provide the validation to me that was needed to determine if this was actually an accurate claim. I then personally contacted the XXXX XXXX  XXXX XXXX XXXX XXXX and asked for valid verification that this debt was mine. I knew I didnt miss a payment to the power company, for obvious reasons they are always the first bill I pay. All I received from the Collection Agency were term dates of Electric Service spanning from XXXX to XXXX and the alleged charges they claimed I owed {$170.00}. They had nothing to show me that could verify I owe anything. After a bit of research, it was determined that this does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. This inaccurate, incomplete document contains no accounting of any payments made nor missed, nor the dates on which those payments were made or missed. There isnt even any documentation with my signature on it that proves this is even my account at all. This information could have easily been drawn up and sent by anyone or simply created in human error. Their verification document in no way provides sufficient verification of this alleged debt. There isnt any legitimate, verifiable proof that I owe anything to their Company, because I dont. 

This collection on my credit reports are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s. You should also be aware that reporting such invalidated information might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} FCRA violation fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

I intend to follow through with the suit if this is not deleted from my account within 15 days. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the court house asking if they reported my bankruptcy to the credit bureaus. I received a letter stating that they do not report bankruptcies to any entities. If that is indeed true how is it that the credit bureaus verified the bankruptcy action as 100 % accurate. The bureaus did not complete a fair investigation according to the Credit Report Act 15 U.S. Code 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) states : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

The credit bureaus also violated my rights given under Credit Report Act 15 U.S.C 1681 section 602 ( A ) ( 4 ). According to this law I have a right to privacy.

Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

According to 15 U.S.C. 181 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instruction.

According to 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 beliefve that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting

Please delete all inquiries from XXXX XXXX through XXXX XXXX.
Product: Credit card

I have been trying to pay off a credit card I had With digital federal credit union they have made it nearly impossible to pay. I have Been told different ways to pay every time I call and its crazy! I called To pay it off and they said I can only pay {$1000.00} at a time. So I called Back again the next day and was told I canT pay until it processes which could take 7-10 business days. 

I called To make another payment and was told I had To make a deposit to a savings account to make a payment 10 days later which would make it late again! They then said I can not not pay with XXXX XXXX which they took that payment before. Everytime I call they have a new rule or a different way to pay which was not feasible. 

Every agent has given me higher amounts than what was shown because they keep adding interest and late fees. Which never would have been added if I was allowed to pay it off 8 months ago when I called To pay it off! They have hit my credit report multiple times with it being late when it should have never been late because I have been trying to pay it off! This account is now paid in full after many attempts to pay it off prior.