23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have never applied for or opened a BB & T/Truist Credit card XXXX This is not an authorized account. 

Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and the credit bureaus continue to report this item on my reports. 

Please remove these fraudulent accounts from ALL credit reporting agency reports IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false, inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me I have no knowledge of them, be advised by law I have the right to PRIVACY and you the credit reporting. 
agencies have violated it. The list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$260.00}. BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOWS : XXXX IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XX/XX/2024 To Whom It XXXX Concern : I sent a request for an investigation under XXXX XXXX ( a ) to you in reference to the following account ( s ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THIS IS MY 3rd NOTICE REGARDING THESE FRAUDULENT ACCOUNTS You all have failed to reinvestigate these fraudulent accounts as you or required too I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, XXXX XXXX
Product: Credit card or prepaid card

I had a JetBlue Mastercard for many years. It was taken over by Barklay 's Bank. 
They issued a duplicate card to an impersonator in a different city, which was rectified by closing that card and issuing a new one. This fraud called them again, and again, against the assurances I received, they sent him another card on my account. We went through the same procedure and then they sent this hacker another new card with my new information. At this time I closed the account. 
Unbeknownst to me, they added a charge for the interest incurred by the hacker, which they assured me would not happen. I received no notice of this until they sent me notice on XXXX that my account was delinquent by the XXXX cents and a XXXX dollar late charge. I spoke to them on XXXX and they assured me it would be taken care of. Today, XXXX they reported the " debt '' to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized hard inquiries from my credit reports. On XX/XX/year>, several hard inquiries were made on my credit reports with all three major credit reporting agencies ( Experian, XXXX, and XXXX ), which I did not authorize. 

Details of the unauthorized hard inquiries are as follows : Date of Inquiry : XX/XX/year>. Companies listed : 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, XXXX of XXXX XXXX XXXX XXXX XXXX Experian, XXXX, XXXX These inquiries were not initiated by me, and I did not apply for any new credit or authorize any third parties to access my credit information on the mentioned date. The presence of these hard inquiries has negatively impacted my XXXX XXXX, and I kindly request your assistance in having them removed. 
According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Right to Financial Privacy Act ( 15 U.S.C. 6801 et seq. ), consumers have the right to dispute any inaccurate or unauthorized information on their credit reports and to protect the privacy of their personal financial information. I am exercising these rights to dispute the aforementioned unauthorized hard inquiries.
Product: Debt collection

I have contacted this company several times, by phone calls, and the last attempt was a certified letter and police report where it shows this was identity theft, I have not heard from them, Don't know what else to do.
Product: Credit reporting or other personal consumer reports

Equifax continues to report the account listed as XXXX XXXX XXXX  XXXX XXXX ( CLOSED ) Account Number XXXX XXXX is reporting incorrectly. The information is incomplete therefore it can not have been properly verified as accurate. Furthermore Equifax is required by law to send a notice 30 days prior to reporting any negative information. The account has incomplete information because it does not list the account number for me to identify if this account is mine. There is several late payments listed and it's reporting XXXX a charge off. How was Equifax able to verify this information without my account number and who exactly allegedly released my private financial information to them because that is a direct violation of my right to privacy. If you feel this information is validated then forward me with the proof that is needed to comply with FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain inquiries from my credit report that I believe were either unauthorized or made in error. As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I believe these inquiries meet the criteria for removal. 

Upon reviewing my credit report, I have identified the following inquiries that I believe should be removed : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am requesting these inquiries be removed due to the following reasons : Unauthorized Inquiries : Under the FCRA XXXX specifically Section 604 ( a ), a credit report inquiry is permissible only when I have provided consent. If I did not authorize these inquiries, they are not permissible, and therefore, should be deleted. 

Inquiries Resulting from Fraud : According to Section 605A of the FCRA, if inquiries are a result of fraud or identity theft, they should be removed from my credit report.

Additionally, I would like to bring to your attention the following : Section 1681b of the FCRA : A credit report inquiry is only permissible for certain purposes, such as for the extension of credit or the underwriting of insurance. If an inquiry does not meet the required criteria, it should be removed. 

Inquiries Should Be Relevant : In accordance with the FCRA, inquiries that are not related to a legitimate business purpose or that result from erroneous information should not remain on a credit report, as they can unfairly impact my credit score and creditworthiness. 

I respectfully request that these inquiries be investigated and removed from my credit report, as they do not comply with the provisions of the FCRA. Please send me a written confirmation once these inquiries have been deleted and provide me with an updated copy of my credit report to verify these corrections. 

I appreciate your prompt attention to this matter and look forward to your response. If additional information or documentation is required, please do not hesitate to contact me.
Product: Checking or savings account

I made a XXXX transaction from my XXXXXXXX XXXX account on XX/XX/2020 to my joint Huntington account that was to process on XX/XX/2020 for {$300.00}. The funds showed available in my Huntington account on XX/XX/2020, and after midnight on the day of XX/XX/2020 I made a transaction reliant on this information that I had an available balance that included those funds. Later on XX/XX/2020 the XXXX transaction completely disappeared from the online account, my available balance was reduced, and my account was overdrawn. 

Customer service explained that this was a " standard '' transaction instead of an instant transaction and that it may take days to process. What was showing in my account was a memo. The funds were not actually available, despite the transaction showing in my account history and in my available funds.
Product: Mortgage

I have a HELOC with Third Federal Savings & Loan. My required flood insurance with XXXX renews every XX/XX/XXXX. Third Federal issues me a Notice of Flood Insurance Requirement on XX/XX/XXXX stating my flood policy has lapsed. They state I have 45 days from the date of the letter to rectify or be charged by them for a policy. They immediately charge me {$67.00} on XX/XX/XXXX. I provided my policy showing no lapse in coverage ( old policy XX/XX/XXXX-XX/XX/XXXX new policy XX/XX/XXXX-XX/XX/XXXX ) via their online portal. I also have XXXX sent copies of the policy. I call their XXXX number to verify but they still insist my coverage lapsed from XX/XX/XXXX-XX/XX/XXXX. I resend the policys, I have XXXX resend the policies, no luck. I go into a local branch in XXXX FL and show the representative the policies. She forwards the copies to their main office and then calls them. They STILL think I should be charged the {$67.00} even with all the documentation. They also see nothing wrong with breaking the law ( or even following their own verbiage in their letter ) and not waiting 45 days after XX/XX/XXXX before charging me.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, over six months ago, I XXXX XXXX XXXX have file disputes on several incorrect accounts on my credit report. XXXX, XXXX, and TransUnion, I do not feel that there was a proper investigation done or attempted on these credit files and these negative items continue to be on my credit report due to fraud. 

XX/XX/XXXX, amounts XXXX, XXXX XXXXXXXX XX/XX/XXXX, amounts XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, amounts XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, amounts XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, amounts XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, amounts XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Was charge overdraft fees for every transaction since enrolling in oops
Product: Mortgage

I contacted my mortgage servicer to be reviewed for a modification to reduce my interest rate. I started this process XX/XX/XXXX. I was told they could n't do anything for me unless I went onto a temporary forbearance plan first, then they would review me for modification. I went on the plan, paid the forbearance payments for XXXX and XX/XX/XXXX, and then resubmitted all my information for review of modification. After reending documents over 4 times when the stated they " could n't find them '', I received a letter today stating that if I do not pay the full amount due by XX/XX/XXXX, they will foreclose. WHen I called, I am told it is with underwriting but they can not guarantee that a decision will be made before the deadline. When I started this process, I was not delinquent. I entered into the forbearance because they said that is the only way they would consider a modification.
Product: Credit card or prepaid card

I had a credit card with Macys with {$100.00} limit and I had it on an autopay but after I left the country for a vacation the autopay was disabled and I never received a notice in my email or phone number about the due date and before I returned it was already reported to collections so I believe this was intentional as I already had a few issues with Macys where they sent a threat emails using XXXX account. also, they reported to the credit without sending me any notification or options to payoff. It appears like they rushed to report to the credit bureau
Product: Checking or savings account

I am supposed to receive Citibank new account sign-on bonus ( $  XXXX {$100.00} ) by XX/XX/2019. This was also confirmed with their customer service representative through online chat ( please refer to the attached online chat record ). Now I am still waiting for the bonus. Citibank did not pay me, did not tell me when they are going to pay. They just keep me waiting.
Product: Debt collection

I made a purchase with Paypal Pay in 4 payment on XX/XX/XXXX for {$590.00}. It was set for a recurring payment on my credit card. Before the last ( 4th ) payment of {$140.00}, my credit card was used fraudulently and i had to get a replacement from my credit card company. 

On Friday XX/XX/XXXX I received a text message from paypal stating that my last payment did not go through. I immediately went on to the paypal website, and it showed that my last payment was completed, and that there was nothing left to pay. I was unable to add any payment or change payment method or do ANYTHING regarding the transaction because paypal considered it closed & paid. Just in case, I added the replacement credit card but was denied access to remove the old ( fraudulently used ) card. I checked on the mobile app as well, it showed as fully paid there as well. 

On Tuesday XX/XX/XXXX, I was charged a late fee of {$8.00}, even though they showed that the payment was completed on XX/XX/XXXX. I was UNABLE to open a case with paypal about this ( they block you from opening any kind of case regarding Pay in 4 transactions ), and I have no way to get into the phone support lines. I ended up paying the {$8.00} late fee because i don't want a derogatory mark on my credit. But its messed up that paypal can show my loan as paid, prevent me from making any payment, and THEN charge me a late fee. It is ridiculous.
Product: Debt collection

My son was in A bicycle accident on XX/XX/2021. EMTs took my son to XXXX XXXX  XXXX and they decided they needed to medevac him to XXXX because they did not have aftercare services for my son and they felt hes was going to need that care. XXXX XXXX  XXXX stated that we would not have to worry about the cost of the transport from their hospital to XXXX, that our insurance would cover it because this was not our choice and it was a medical emergency. The doctor told us the insurance would cover it. XXXX XXXX  is in our network with our insurance XXXX. We were not told about any charges or incurring any out of network charges until we received a surprise billing of an enormous amount almost {$57000.00}. XXXX felt it was an unfair charge and they paid only what they felt was fair and only paid {$4700.00}. We were told by XXXX that we only had to pay a deductible of {$150.00}. Now the company XXXX is sending this into collections for the remainder of balance billing not paid by insurance ( {$52000.00} ). 
Ive even of had the bill appealed to XXXX and XXXX denied it. I would like to understand why I am responsible for XXXX XXXX using an out of network service and not disclosing that information when we were needing to transport my son. We offered to take him the XXXX miles and the hospital said we could not take him. We had no other options to get him to XXXX. Is this legal? I did not contract XXXX XXXX XXXX to transport my son, the hospital did and they said I would not need to worry about cost because insurance would cover it and just to focus on my son.
Product: Payday loan, title loan, or personal loan

TitleMax of California/TitleMax wrongfully repossessed my vehicle. I satisfied them with all the documentation they requested proving that they wrongfully repossessed my car, along with the certificate of title I received from the DMV and they still will not return my car. They have further delayed the return of my car by filing a fraud claim with the DMV. They have cause me mental and emotional distress for their wrongful repossession on top of car rental fees during this investigation.
Product: Debt collection

This company is reporting inaccurate information about a collection that should not be reported on my credit reports. 


CREDIT COLLECTION SERVIC Address XXXX XXXX XXXX XXXX, MA XXXX Phone number ( XXXX ) XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I submitted an request to XXXX  to request physical verification of the accounts listed in my consumer credit report. Some of the items were removed because they could not be verified and on none of the others were verified. I was not provided verifiable proof and requested under Sec 609 ( a ) ( 1 ) ( A ) of the FCRA. 

On XX/XX/2019 I submitted a 2nd request to XXXX  to request physical verification of the accounts listed in my consumer credit report. None of the item were verified. I was not provided verifiable proof and requested under Sec 609 ( a ) ( 1 ) ( A ) of the FCRA. 

I did receive a letter from One Main Financial stating that my request did not provide sufficient information. However on 2 occasions they reported unverifiable information. I have attached both notarized requests along with the certified return receipt of my requests. Also I a letter from One Main Financial stating there was insufficient information.
Product: Credit reporting or other personal consumer reports

I have tried numerous times on Experian, XXXX and XXXX to fix my credit information but it has not corrected
Product: Debt collection

I received a credit alert stating that a new collection was added to my credit report. I tried to locate the company is Oliphant USA , LLC I have tried to contact this company and have not been able to via XXXX searches. I am not familiar with this company, nor do I owe any debit to XXXX  as they are stating they are the original creditor. 

I opened a complaint with the XXXX  as well as a dispute with XXXX. I am reaching out as I believe this is fraudulent and do not understand how this company can add this collection to my credit report. 

I have been able to contact the company via a more in-depth XXXX search and was told that they are trying to collect a debit from XXXX  that occurred over 5 years ago, the gentleman ( XXXX ) told me it would be 6 years in XXXX of XXXX. He claims that email was sent as well as letters back in XXXX or, so I did not receive these so-called letters. I would have gladly paid the balance if it was mine. 
I asked about the dispute process, and they provided an email address to file my dispute, when asked about the process I was told it would go to the admin group. I asked if they would be reaching out to XXXX  to confirm the legitimacy of the complaint, and he said they might or not. 

I believe this is fraud and that they are trying to get any money that they can from people. I have also not received any initial communication from XXXX
Product: Student loan

My first loan was XXXX on XX/XX/XXXX, my refund was delayed per Mohela due to the transition to their new online platform. The amount due to me is {$2600.00}. The 2nd loan was XXXX on XX/XX/XXXX and I have an amount due of > {$600.00}. 

I was told XX/XX/XXXX that the refund for XXXX {$600.00} was sent by mail earlier in XXXX as of today XX/XX/XXXX I have not received this check. 

Each time I talk to them they tell me the first loan that was XXXX had the account deleted during there transition and they have to rebuild by account, to this date I have not received a refund and I continue to wait on hold. 

I have called several times and always I am on hold for over an hour and have to speak to a customer service representative and then I am transferred to a supervisor. This has happened at least 3 times since XXXX. At this time I have been on hold today for 1 hour and 38 minutes. 

Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a collection on my credit report. This account is reporting inaccurately. The date of last activity has been re-aged. Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. 

Transunion is reporting the date of last activity as XX/XX/XXXX. XXXX is reporting XXXX is reporting XX/XX/XXXX. 

XXXX  is reporting a balanced owed as {$890.00}, Transunion is reporting {$890.00} and XXXX is reporting {$820.00} XXXX is also reporting a past due balance of XXXX on my XXXX report. On a collection account, a collection company can not report a past due balance that is an violation. 

Furthermore, XXXX is reporting the date opened on this account as XX/XX/XXXX, but is reporting the last payment date as XX/XX/XXXX. There is no way possible that this account was paid on before it was even opened. Also transunion is reporting the high balance as XXXX but reporting the balanced owed as XXXX that is another violation. 


Under FCRA 15, U.S.C section 1681 and FDCPA 15. U.S.S section 1692 XXXX erroneously attributed debts to my report, and has failed to properly validate.