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

On or about XX/XX/XXXX, I called a local XXXX location ( XXXX XXXX, FL ) to inquire about their financing procedures. I had previously purchased a car from XXXX in Illinois in XX/XX/XXXX and it was a pleasant experience so I wanted to see what was available from them in Florida. I called the local dealership and was connected to a salesman and I explained XXXX him that not would not be ready to purchase a vehicle for about 6 months but I wanted to know what I might expect. He told me I needed to go online to their website and give my information to get me into their system so his very experienced manager could give me some information on qualifications. He promised no hard credit pulls and said they do soft pulls every day to somewhat pre-qualify potential buyers. HE LIED!!!! 

In XX/XX/XXXX, I was ready to purchase a car, and when applying for financing I was blown away when I found out that XXXX made numerous Hard Pulls in XX/XX/XXXX of that year. I called XXXX immediately and the salesman was no longer employed by them, but I did buy a car from another dealer at that time as stated and easily proven. 

The following is a list from all three credit bureaus : XXXX  : XXXX/XXXX  XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XXXX and Capital One Auto Finance ( COAF ) on XX/XX/XXXX and XX/XX/XXXX. 
XXXX  : XXXX XXXX on XX/XX/XXXX and Capital One Auto Finance ( COAF ) on XX/XX/XXXX and XX/XX/XXXX. 
XXXX : XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX and Capital One Auto Finance ( COAF ) on XX/XX/XXXX and XX/XX/XXXX. 

It has been over a year now that I have been disputing the numerous hard credit pulls from XXXX- XXXX XXXX that still remain on all 3 major  credit bureau agencies in my name. Countless calls to the credit bureaus, ( XXXX, XXXX and XXXX ) that will not allow me to dispute these inquiries, as that can only be done by the company that pulled them ... XXXX. 
I have also called some of the financial institutions XXXX used including Capital One Auto Finance, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. These lenders have told me the same as the credit bureaus, that only the company that pulled them in error can remove them ( XXXX ). 
I have called XXXX literally dozens of times since XX/XX/XXXX.  Despite these many calls and many hours with the dealership and all the way up the ladder to corporate, these hard pulls still remain today and hurt my credit appearance and scores on ALL 3 credit agencies. 
I finally got connected to XXXX XXXX, a Credit Executive at XXXX Corporate who promised to help me end this nightmare and clear things up back in early XX/XX/XXXX. I have signed and returned the document they provided to me 4 times by fax. I followed up numerous times to their office and they swore it was being corrected. 

To date, nothing has been done.
Product: Credit reporting or other personal consumer reports

DEAR, TRANSUNION  WOKE UP FRIDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I
THEN REALIZED. I HAVE BEEN A VICTIM OF (FRAUD/IDENTITY THEFT/A CRIME) ... PLEASE HELP ME
REMOVE AND DELETE THIS FRAUD ADDRESS NEED TO BE REMOVE FROM CREDIT REPORT. I HAVE NEVER STAY AT XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Debt collection

i recieved a call from someone claiming to be from a law firm. threatening to sue me which i never recieve any written lettter or know any about the company that is trying sue meor anything..they claim i owe debt with a company i 've never dealt with ....
Product: Checking or savings account

This isnt the first time but XXXX tried to withdraw money from my account at Truist bank but was told AGAIN ( this isnt the first time ) that there system was down and would have to try later. If they are unable to let me withdraw money then we should be able to go to another bank and use there teller machine and Truist reimburse the fees for using another bank. Never had this problem with Suntrust! Thanks
Product: Debt collection

I am filing a complaint regarding Allied Interstates failure to provide adequate validation for a debt they claim I owe. The details of my situation are as follows : Background Information : Debt Collector Name : Allied Interstate Original Creditor : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Alleged Amount Owed : {$460.00} Date of Document Received : [ Insert date you received the document ] Nature of the Complaint : Allied Interstate provided a billing statement from XX/XX/XXXX as supposed validation for the alleged debt. However, this document does not meet the requirements of the Fair Debt Collection Practices Act ( FDCPA ) for proper debt validation. Specifically, it fails to provide : Proof of Ownership of the Debt : The document does not include evidence that Allied Interstate owns the debt or is authorized to collect it on behalf ofXX/XX/XXXX 
Supporting Documentation : There is no signed contract or agreement indicating that I agreed to this debt. 
The document does not provide a clear transaction history or explanation of how the balance was calculated. 
Verification of Accuracy : The billing statement does not include information or documentation verifying that the amount claimed is accurate or legitimate.

Required Disclosure of Rights : Allied Interstate did not inform me of my right to dispute the debt or request additional validation within the required time frame, as mandated by the FDCPA.

Why This is Concerning : The billing statement alone is insufficient as proof of the legitimacy of the debt and does not fulfill Allied Interstates legal obligations to validate the debt.

Requested Resolution : I request that the CFPB investigate Allied Interstates practices and ensure they comply with federal laws governing debt collection. Specifically, I ask that Allied Interstate be required to : Provide documentation proving that the debt is legitimate and that I am responsible for it.

Demonstrate that Allied Interstate has the legal authority to collect the debt.

Supply a detailed, itemized breakdown of the alleged balance.

Properly inform me of my rights under the FDCPA.

Attachments : I have included a copy of the billing statement provided by Allied Interstate for your review.

Thank you for addressing this matter. I trust the CFPB will take appropriate action to ensure compliance with the law and protect consumers from insufficient and potentially unlawful debt collection practices.
Product: Credit card

We made a purchase from XXXX 's jewelers and financed on their store credit card with a promotional deferred interest on 2 separate occasions, most recently in XX/XX/XXXX. My husband didn't realize that the promotional period was about to expire. I looked at the next statement dated XX/XX/XXXX the day we received it in the mail and noticed the promotional rate had expired within the last few days. I called on XX/XX/XXXX to see if I paid the full balance owed before interest accrued ( XXXX ), if they would waive the interest ( XXXX ) that accrued less than 10 days prior. The agent I spoke with said yes, absolutely they could waive the interest if i paid the full balance. I made him confirm with me multiple times if I paid the full balance that he would adjust off the promotional interest. He validated that I was correct every time. His name was XXXX and the confirmation number was # XXXX. I made the payment and assumed my balance was brought to XXXX as that is what their representative told me again and again. That was not the case. We received a statement the following month billing us for the remaining interest that was promised to be adjusted off, as well as an additional month 's interest on that current balance. After speaking with multiple supervisors, and receiving multiple different views and opinions, the last one I spoke with " XXXX '' indicated there was nothing that they could do even though their agents provided false information. Another supervisor prior to her told me that it was wrong for this to have happened and that I should speak to corporate. However XXXX would not give me a number to speak with corporate. I told them if they recorded the call between the agent and I initially, that they would clearly hear the lies I was told. I dont believe that I should have to pay the remaining interest after their mishandling of information and false statements.
Product: Debt collection

I had two ( 2 ) emergency room visits to XXXX XXXX XXXX Emergency room. The first date was XXXX XX/XX/2021 and the second was XXXX XX/XX/2021. Total amount that is said that I owed was {$2600.00}. I called my insurance company whom is XXXX about the outstanding amount and they stated that I don't owe anything additional and my explanation of benefits for those two visits shows the same thing. I provided the documentation to the collection agency which is Balanced Healthcare Receivables and the person I spoke with was XXXX XXXX at XXXX Extension XXXX. I received an email from him saying that the explanation of benefits I provided didn't show the physician charge. I called him back and told him that after speaking to XXXX they gave me a call reference number XXXX and to call them and they will speak to him and show that I don't owe them anything. He refused to call and said he couldn't do any adjustments.
Product: Debt collection

XXXX XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$650.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

This letter serves as a follow-up to my previous correspondence, titled Final Demand for XXXX Removal of Inaccurate Information. I have yet to receive an adequate response or resolution to my concerns regarding the inaccurate and unauthorized information being reported on my credit report.
Product: Credit card

In XX/XX/2024 I contacted Chase via phone to request a credit limit increase on my Chase credit card. The following day, I received a voicemail from someone claiming to be from Chase customer service, asking me to call back regarding my recent request. 

I returned the call and was prompted by a recording to enter my Social Security number. After entering it, I realized something was amiss. When I was connected to a representative, she spoke with a thick accent and was unprofessional in her demeanor. She asked for my date of birth, but I declined to provide further information, feeling uncomfortable with the situation. I promptly ended the call. 

A few days later, I received a letter purportedly from Chase. Upon closer inspection, I noticed that the phone number in the letter matched the one I had called earlier. This raised suspicion that the letter was fraudulent as well. 

I contacted Chase immediately and requested them to check for any new accounts opened under my name. They identified an attempt to open a new account, but fortunately, it was rejected due to my credit being frozen. 

OnXX/XX/2024, I requested a credit limit increase again, this time using the Chase app on my cellphone. Subsequently, I received another letter from Chase that was identical to the fraudulent one I had received in XX/XX/2024This leads me to believe that my request for a credit limit increase, whether made by phone or through the app, is somehow being leaked to a fraudulent group. 

I have sent the fraudulent letter to Chase for investigation, but their response has been indifferent. I am reporting this incident to bring attention to the ongoing security issue and to seek appropriate action from Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I allegedly had A loan with A company by the name of XXXX XXXX in XX/XX/XXXX. I have submitted several disputes to all 3 credit bureaus to have this account removed as It was not my debt and I was A victim of identity theift. Aside from that it has been 7 years since the account was reported delinquent. According to Transunion they have the last activity date for the account as XX/XX/XXXX and XXXX  and Transunion has --. I reached out to XXXX at XXXX XXXX r and he provided the attached itemized statement below showing the account went into delinquent status on XX/XX/XXXX because their was no payment made. I spoke with XXXX at XXXX XXXX branch number XXXX at world finance who also informed me there was never A payment made on the account since it was open XX/XX/XXXX. He informed me the XX/XX/XXXX date that transunion has reported was the day the account was charged off as A bad debt. According to the three credit bureaus websites and law it states A charged off account should fall off after 7 years from the FIRST DATE OF MISSED OR LATE PAYMENT on the charged off account. According to XXXX XXXX the account went delinquent on XX/XX/XXXX which mean As of XX/XX/XXXX this account should be removed from all 3 reports. I have submitted several disputes and have been unsuccessful with getting A response. It is A violation of my rights to continue to report inaccurate information. If needed the 3 credit bureaus should contact world finance to confirm the information provided in the dispute for clarity that this account was fraud and it has now been 7 years and should be removed completely from my report effective XX/XX/XXXX or you will be in violation of FDCPA laws!
Product: Credit card

I received an alert on XXXX XXXX that I had a hard inquire on my credit report from Macys on XX/XX/year>. I did not apply for credit at Macys
Product: Mortgage

Our home, had its roof torn off by a tornado on XX/XX/XXXX. My wife and I plus our XXXX dogs ( as well as other residents of the XXXX affected condominium buildings XXXX were evacuated by the police and fire department. We were briefed at XXXX about the situation and sought out temporary shelter for the night. We escaped with just the clothes on our backs. We had insurance for just such a disaster and found shelter. I notified our insurance company of the evacuation that night to start the process of getting a claim number. I notified Chase Mortgage, our mortgage holder, of the situation the next day at the open of the business day to let them know of the situation. I was told by the people at Chase Mortgage that we might be eligible for some type of relief, but that the mortgage would still be due on a timely basis. Aside from no roof being on our condominium, it was discovered that ASBESTOS contaminated the condominium. With the still frequent rains, mold started to grow on the exposed walls, and at one point, for a few days, the buildings were in danger of flooding. Right now, as of Monday, XX/XX/XXXX, we can not live in our condominium, but I have continued to pay my mortgage at the same interest rate as when my wife and I first purchased our condominium. So it seems I am paying for a residence in which we can not occupy, we are rebuilding our home, we lost everything, but Chase Mortgage has not given any relief to us nor offered any help in the rebuilding. Something seems very wrong about that situation. It may be that our home may not be inhabitable until after the first XX/XX/XXXX!
Product: Credit reporting or other personal consumer reports

A few months ago, I reviewed my credit report and found discrepancies related to the MACYS/CBNA account ( XXXX ). This situation is infringing upon my rights. I have disputed these inaccuracies with all XXXX  credit bureaus and the creditor, but I only received generic replies. Consequently, I am filing this complaint based on my findings. The company is violating sections of 15 USC.

15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Good Morning ; During a background check this information was provided as my past residence, I have never lived on those addresses ; Im concerned that someone is using my identity, please let me know the procedure to follow up and correct it. 
Thank You. 
Down below I copy the information that is not mine Address XXXX XXXXXXXX XXXX XXXX, MI XXXX Addr Type Former Address First Date XXXX XXXX XXXX Last XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Type Former Address First Date XXXX XXXX XXXX Last XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MI XXXX Addr Type Former Address First Date XXXX XXXX XXXX Last XXXX XXXX XXXX
Product: Debt collection

We received a letter dated XX/XX/2018 from Interstate Recovery Service,  NC. They claimed that they were trying to collect a debt for a company called XXXX 'XXXX XXXX in the amount of {$1400.00}. We have never ordered magazines from this company and we certainly would not have ordered {$1400.00} worth. We looked up Interstate on-line and the comments was that this is a fraudulent company. We would like you to investigate them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve a discrepancy on the Transunion credit reporting. It is beyond frustrating. 

Transunion is saying ( XX/XX/19 ) my XXXX XXXX account was/is 30 days past due and open, It is NOT. The account is CLOSED and paid IN FULL. I have confirmed with XXXX they never reported anything as late or derogatory, and the account is in good standing and closed. I have NEVER missed a payment on ANYTHING in my LIFE. I have been a XXXX credit score for years, and 1 improper, not correct derogatory remark has dropped me to a XXXX at a very important time in my life where i'm trying to become a police officer and they are conducting a background investigation. This could potentially cost me my job. 

I have mailed my supporting documents ( XX/XX/19 ) to Transunion and XXXX will provide anything additional I need. They are requesting everything from XXXX XXXX, to XXXX XXXX and XXXX XXXX. They also have no way to expedite or have this issue solved immediately AS IT SHOULD BE. How transunion is a business that is operational and a trusted source for anything is beyond me. 

This false incorrect issue should be RESOLVED IMMEDIATELY and it it looks like its going to take weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! ATG Credit , LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX  has been non-compliant with removing the unverified account AM HONDA FIN Opened Date XX/XX/2018 which has been deleted by XXXX. XXXX were completed their research and determined that AM HONDA FIN was not established by myself but XXXX and XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  and XXXX did not send them all of the verifying evidence to confirm each account is unverified.