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

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, Zip : XXXX, IL XXXX Email Address : XXXX 15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report un following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prote consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

Wrong, old and out dated personal information is being reported on my credit report.
Product: Debt collection

Company continuously calls me from a variety of different numbers daily attempting to record my voice as they illegally brought my debt from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has lowered my excellent FICO score 16 points for absolutely no reason and to raise the score in blackmailing me into giving them access to my checking account balances, transactions and rewards. I think this practice is Beyond intrusion it is dangerous and absolutely needs to be stopped. I have a screenshot of their ploy.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because the credit bureaus have failed to update my personal information accurately, despite my repeated efforts. I have sent multiple letters providing my correct personal details and requesting that the inaccuracies be corrected, but the updates have not been made.

These errors are affecting my credit reports and may hinder my ability to access credit or other financial opportunities. I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure that the credit bureaus comply with their obligations under the Fair Credit Reporting Act ( FCRA ) to maintain accurate and up-to-date information.
Product: Debt collection

I had to leave my job in XX/XX/2019. I exhausted months searching endlessly for employment. During this time, I was unable to pay my Discover card debt. 
Months later, I spoke to a representative about my situation. 
My payments were reduced and I am on a payment schedule. 
However, due to Discovers ineptitude, I received a call that my {$35.00} payment was not received even though Discover has my bank account information, and the money was available. I received a string of harassing phone calls from a malicious discover representative. 
The issue was resolved and it happened a second time with my monthly payment. I received another call from a malicious representative who hounded me for a payment that Discover supposedly didnt receive.

I called a second representative later to complain that I am being harassed during a pandemic, especially since I already have been experiencing financial hardship. Also, it is not my fault that the payment was not received. It is Discovers fault that the paym
ent was not receive. Today I have received repetitive phone calls from the predatory vultures at Discover.

A word of caution to anyone who is considering using this despicable company : this company epitomizes greed and maliciousness.
Product: Consumer Loan

Bought a car in XXXX 2015 and financing was accepted and processed by Westlake Financial Services in California. After 4 months I found out that the account has not been presented to any of the credit bureaus. I inquired with the company as to why my account has not been reported and was told there is a discrepancy with my social security number and name and that the company was unable to report the account. I have other accounts that are being reported to the credit bureaus with no problems or discrepancies and simply want this account reported properly. The dealership has sent the company copies numerous times of my ID 's to include my drivers license, social security card as well as military ID, the paperwork submitted by the dealership was typed. I have not been notified of such discrepancy and the company has refused to discuss the details of the supposed discrepancy. The company supervisors have hung up on me, placed me on hold for over 45 minutes then disconnected me and no one will answer any questions regarding this problem. I simply want it reported to the credit bureaus as it should be.
Product: Checking or savings account

I have written as suggested by the CPFB to 2 different lenders revoking my ach authorization. As suggested I went to my bank, Bank of America, with copies of my revocations more than 3 business days in advance to notify them that I had revoked my authorization and they would not even acknowledge the correspondence. In fact they acted as if they never heard of Reg E, would not place a block on any or all debits from my account and said if something happens I can file a dispute then. The branch rep went so far as to say " we have washed are hands of these things, and leave it up to the consumer to figure out. ''
Product: Checking or savings account

XX/XX/2021 - I used my bank 's HSA checking account to make an online payment ( via debit card ) to my 3rd party XXXX  administrator, XXXXXXXX XXXX  payments are an authorized use for an HSA account. 

XX/XX/2021 - My bank refused to clear the payment, and the transaction was voided. They are not showing this activity on their user portal. 

XX/XX/2021 - I used my bank 's HSA checking account ( debit card ) to again attempt the online XXXX payment due to XXXX. 

XX/XX/2021 - I also communicated with my bank via their secure e-mail system. I informed them I was using this account to make authorized XXXX payments to XXXX. I requested they not VOID my payments. 

XX/XX/2021 - My bank replied ( by their secure e-mail system ) with a single comment, " I have notated the account for you. '' XX/XX/2021 - My bank refused to clear the payment, and the transaction was voided. They are not showing this activity on their user portal. 

XX/XX/2021 - I communicated with my bank, requesting they reverse this action. Time is of the essence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting a balance I do not owe. This collection is paid and should not be reporting to my credit. I would like this to be deleted off of my credit as it is paid and should not be showing up.
Product: Credit card or prepaid card

I made a hotel reservation in XX/XX/2022 to travel in XX/XX/2022 and I paid with my business credit card rewards points plus {$210.00} that was charged on XX/XX/2022 on the same card. The card ends in XXXX The reservation was cancelled due to illness and the hotel in XXXX agreed to refund all fees if we could present supporting documentation showing that due to illness we were not able to travel. 
We submitted proof to the hotel and Chase and both the hotel and Chase then agreed to refund all fees and points. The bank said it would take up to 2 billing cycles but to this date and after several calls to the credit card rewards department we have not been refunded the {$210.00} plus the interest or the points. We are hoping to reach the right department that can process the refund of all points and the XXXX plus interest Attached email from the hotel confirming receipt of supporting docs and agreeing to refund all charges. 

On XX/XX/2022, at XXXX PM, XXXX, XXXX XXXX wrote : Hello XXXX XXXX, XXXX you for the information. 
Yesterday XXXX and I had a call and I approved the cancellation of your reservation. The hotel wont be charging anything to your credit card. In case that you need a refund you need to contact directly to the third-party. 

Best regards! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX | EXT : XXXX XXXX | XXXX XXXX XXXX This communication contains information from XXXX XXXX, XXXX that may be confidential XXXX Except for personal use by the intended recipient, or as expressly authorized by the sender, any person who receives this information is prohibited from disclosing, copying, distributing, and/or using it. If you have received this communication in error, please immediately delete it and all copies, and promptly notify the sender. Nothing in this communication is intended to operate as an electronic signature under applicable law. 

XXXX
Product: Credit card or prepaid card

Account # XXXX Form XXXX must be filed regardless of whether the debtor is required to report the debt as income, A status of a charge off on an account is an inaccurate account and it must be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPLAINT RESPONSE- I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX ( This Collection Is Not My Account ) ID theft ACCOUNT NUMBER XXXX Date XXXX Balance {$32000.00} XXXX XXXX ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$4400.00} Date XX/XX/2021 ( SEE ATTACHMENTS - POLICE REPORT-ID THEFT- FRAUD ALERT )
Product: Checking or savings account

Chime bank charged me twice for the same transaction on XX/XX/XXXX in the amount of XXXX.I have a screenshot of date and time of transaction that showed I had XXXXafter sending XXXX then next day shows same transaction but remaining balance was XXXX XXXXChime did nothing but tell me the money was not taken but I have screenshots showing different.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an authorized user ( NOT FINANCIALLY RESPONSIBLE ) on the following negative accounts that are illegally impacting my credit negatively : 1. XXXX XXXX XXXX on Transunion 2. XXXX  XXXX on Transunion and XXXX  3. XXXX XXXX on XXXX  4. XXXX XXXX XXXX on XXXX
Product: Mortgage

PLEASE SEE ATTATCHED LETTER AND DOCUMENTS i have 4 loans with this company and from day one they have over charged me on property taxes and ins on each loan. I have worked with a supervisor from that last complaint I did with you and they corrected it for one month then messed it all up again, i have provided the detailed correct information to them hundreds of times they fail to correct my loan and call me every single day and harass me and make me pay another payment over the phone and claim they will fix it if I just make this extra payment, the the next month comes and they have added all these fees on and say i didn't make a payment, when I DID make a payment in the correct amount and i spell that out to them but they ignore it and claim I'm not paying them. then they send me nasty letters saying I'm in default and the can foreclose on me. I call and get a different person each time and it takes hours each month to try to explain over and over and over and over again and it still does not get corrected. I m being harassed by them and this is fraud, charging me on taxes and ins double and triple, claiming I have to have an escrow account and i have to keep paying more and more each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX XXXX Credit Bureau : Equifax XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Equifax on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to being told that they would only make a soft inquiry that would not appear on my credit profile in XXXX. I have yet to receive a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or Equifax who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this hard inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This debt collector engaged in unfair practices that are unlawful under the FDCPA. We did not agree on this account, and I did not sign a legally binding agreement that required both parties ' signatures. Therefore, I did not participate in any of the activities. They failed to follow the correct 5-Step Validation process. They clearly violated my rights and abused my privileges, and I am entitled to compensation under the FDCPA. I request that this account be removed immediately.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXXXXXX - {$2000.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to change the dates of the file they had in my name-I DID have a card with them but IT HAD A BUNCH OF UNAUTHORIZED CHARGES ON IT FROM ID THEFT THAT THEY NEVER FIXED AND EVER SINCE THEY KEEP CHANGING THE DATES TO HURT MY CREDIT WHEN I HAVENT HAD CREDIT WITH THEM IN OVER A DECADE! ALSO ... 
( 2 ) As I was the victim of ID Theft due to the Equifax breech and others, my credit was SEVERELY COMPROMISED and I have paid a heavy price for it even trying to change my social sercurity number with no luck cause the SS guy didnt want to do his jobn ( I qualify in two kf the three reasons to change ones SS number-my number is one away from my Brothers and that has cause MANY problems as well AS I AM THE VICTIM OF ID THEFT AT ITS FINEST ) and finally ... 
( 3 ) Also there is about THIRTY HARD REQUESTS FOR CREDIT ON MY CREDIT WITH THE THREE MAIN BUREAUS AND I HAVE ALERTED THAT ONLY ABOUT FIVE OR SIX OF THOSE ARE MINE AND THE REST ARE ID THEFT AND SHOULDNT BE HURTING MY CREDIT BUT THEY ARE AND THEY NEVER TAKE THEM OFF!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I disputed this account with XXXX for which I am a cosigner. Magically I am being garnished instead of the primary account holder. I was never served for the alleged judgment or informed in any way of the intention of being sued. As per my financial counselor this is an illegal practice. Credit Acceptance is known for their illegal practices and they have a civil law suit that is public knowledge. The FCRA is specific when it details procedures in reference to judgments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that my personal information on XXXX, Transunion and XXXX was used to obtain credit in my name or they are reporting someone else 's information on my credit reports. I have requested ( 3 times ) physical proof that they have on file for the creditors claims and they have not as of yet supplied me any proof of the specified items as being verified as being mine nor how they got the information to report them to my credit files.
Product: Debt collection

I been receiving harassing and threatening telephone calls of death threats from representatives from Professional Placement Services in reference to a collection account that do not belong to me.
Product: Credit card or prepaid card

I received a prepaid credit card in the mail from the Illinois Department of Employment Security, issued by Key Bank. I have never applied for unemployment and never requested the card. I believe that someone else filed for this card using my name and personal information. I have not activated the card and I have destroyed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3900.00}, {$42000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX I with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account.
Product: Mortgage

In XX/XX/XXXX, I received notice from DovenMuehle Mortgage that my escrow was short due to increase of insurance and property taxes. I was advised I needed to pay additional amount of {$280.00}, and based on this dollar amount, my monthly mortgage payment would increase. ( Normal occurrence in life of Mortgage Loan ) Not wanting my monthly payment to increase I paid double the amount requested and asked for a re-calculation of my monthly payment. The reason I did not want the increase is that I had previously had a Loan Modification that increased my monthly payment by {$130.00}, in XX/XX/XXXX. ( this Loan Modification was needed due to DovenMuelhle 's inability to communicate in timely manner. ) I nearly lost my home because of Dovenmuehle 's bad practices. I have made several attempts by phone and in writing to get my monthly payment recalculated. Dovenmuehle has refused to re-calculate my monthly payment even though I paid more than requested. Your assistance in getting this matter resolved would be greatly appreciated. My contact information is below : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Email : XXXX
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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: Student loan

X/XX/2017 Navient is the collector I made a payment in the amount {$500.00} towards my " 1-01 Stafford - Unsubsidized '' loan which has an interest rate of 6.55 %. However, Navient ran the payment towards my " 1-01 Direct Loan - Subsidized '' loan which has an interest rate of 3.15 %. I know for a fact that I made the correct payment towards the loan I desired, and had even done the payment with a Navient representative on the phone.
I called Navient X/XX/2017 with regards to the issue and received a response that there was a mistake with the payment processing. I find it very hard to believe this occurred by mistake as I have been made aware of multiple instances that this has occurred with other individuals ; citing Lawsuit filed XX/XX/2017 by CFPB.
To make matters worse, I was told that the refunded payment would not reach my account for 4-6 weeks, meaning that I will be charged the 6.55 % interest for another payment term on the current balance. This will result in an extra interest charge of {$32.00} ( {$500.00} * 6.55 % ) to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a bankruptcy reporting on my credit report, which they have said to received that info from a third party. nonetheless I have contacted them several times to delete the bankruptcy as it is many violations of fraud, infringement of privacy extortion and racketeering which can be considered a XXXX.