23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX # XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX Balance : {$290.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX, OH XXXXXXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXXXXXX Balance : {$290.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$4300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hi, I visited the XXXX XXXX ER on XX/XX/2020, with complications due to having a XXXX. They were unable to do anything for me, but I did submit my Medicaid information to them on that date. I also submitted the information again on XX/XX/2020, to the billing department. Around XX/XX/XXXX I received a bill for the services rendered, showing no insurance information. I emailed the billing department and let them know, they advised me NOT to pay and that they would correct this issue. I also called multiple times and talked on the phone to the billing department, and they again told me do not pay it, they would fix it. They never billed my insurance for the charges, which were about {$1600.00}. Instead it got sent to a collections company called Medical Data Systems. It is also listed as an OPEN ACCOUNT on my credit report. I've tried to dispute the collections account many times, but it will not come off. I don't feel that I am responsible for these charges, as I had FULL COVERAGE MEDICAID while in the hospital and after the hospital stay and submitted that information to them multiple times.
Product: Credit reporting or other personal consumer reports

I requested to opt out of all third-party data sharing and reporting. Please suppress my information from future use and remove it from active databases.

Your agency is obligated to comply with the following federal mandates : 15 U.S.C. 1681b ( a ) Limits use and disclosure of consumer data to permissible purposes only.

15 U.S.C. 1681e ( a ) Requires you to maintain strict procedures to ensure lawful and accurate use of consumer data.

15 U.S.C. 1681g ( a ) ( 1 ) Grants me full rights to request and receive a disclosure of all personal data you possess.

15 U.S.C. 1681c ( a ) Prohibits retention of obsolete consumer information beyond federal limits.

15 U.S.C. 1681i ( a ) ( 5 ) Restricts reinsertion of any previously deleted data without certification and written notification.
Product: Checking or savings account

- I booked a flight with XXXX via XXXX on XX/XX/2023 at XXXX - confirmation : XXXX for {$380.00} ( flight and baggage ) - Within 24 hours, I called them at XXXX to put me on an earlier flight on XX/XX/2023 at XXXXXXXX XXXX. XXXX told me he can't find one on his end but I could check online and see if there's one available. He also told me that he can go ahead and cancel the flight and get a full refund since I am within 24 hours period. I told him don't cancel yet ( to make sure I have a flight back home ) and I will try to find another flight first. Spoke with him for 8 minutes. 

- Within minutes, I found a flight online with the same airline and called them back at XX/XX/2023 XXXXXXXX XXXX. This time, I'm asking them to cancel my flight and asked for a full refund back to my card. The agent told me that I can't get a refund to my card but a voucher. I told him that this is not what the first agent told me. He said he will have to listen to the recoding and call me back right after. He said he will note our conversation. We were on the phone for 6 minutes. 

- Time passed, so I decided to call back at XXXXXXXX XXXX on the same day to follow up. Person who answered had no knowledge of my conversation and there was no comments or messages written down. I had to explain myself again. He said the same thing the other agent said about listening to the recordings of the previous agent before he can grant my request to cancel my flight and issue me a full refund back to my card.This time he said he will call me back in 2 hours. We were on the phone for 20 minutes. 

- A day passed, I decided to call them back on XX/XX/2023 at XXXXXXXX XXXX I got the same answer that no notes were written down and I had to explain myself again. I was on the call with them for 17 minutes. So, I decided to just handle this situation when I get back to the US instead. 

- I returned to the US on XX/XX/2023 around noon. This time, I decide to call my bank, Wells Fargo, to assist. They told that they will help me and filed a dispute on my behalf. They said that there's nothing to worry about and will handle the issue from here on. 

- Today I received a letter from Wells Fargo dated XX/XX/2023 stating they sided with the merchant because they provided documentation. I called Wells Fargo at XXXX right away. The agent I spoke to told me she can't do anything since Visa made the decision. I asked for Visa 's number so I can make an appeal, and the agent gave me XXXX to call. I called the number, and the Visa agent told me that I need to talk to Wells Fargo not Visa. 

Bottom line is, I tried to cancel the flight mentioned above several times, but XXXX was giving me the run around and did not honor what they told me from the beginning. Now it's my bank, Wells Fargo, who I had for over a decade or so, is giving me the run around. The amount in question I can earn again but the lack of principle and integrity is what bothers me. I hope the CFPB can help me resolve this matter and get my refund due to me.
Product: Mortgage

On XXXX XX/XX/XXXX, I submitted a payment to Highland Residential Mortgage of {$1800.00} through their online portal, as I was part of a repayment plan due to me being laid off ( I have since found a new job so am more than able to make payments ). On XXXX XX/XX/XXXX, the payment was taken from my account. I have a separate checking account specifically for my mortgage payments, due to in the past, Highland took close to XXXX weeks between me submitting payment and it being taken from my account. This was part of why I fell behind on my mortgage payments to begin with along with being laid off. I transfer {$1900.00} a month to my mortgage account to cover my payment. 

I was not aware that my payment was not applied to my loan until I logged in at the end of XX/XX/XXXX to make my XX/XX/XXXX payment. This is when I discovered that Highland flagged my account stating that my XXXX payment was returned as non sufficient funds and made it where I can now only make a payment with certified funds. At this time, auto payment was turned off but Highland 's system turned it back on at some point without my consent, which attempted to make a standard mortgage payment of {$1300.00} from my regular checking account on XXXX separate dates of XXXX XXXX and XXXX XX/XX/XXXX. I called to find out what was going on which is when I found out that I was behind and removed from the repayment plan, along with now having my credit impacted in a negative manner. 

When I was speaking with a representative at Highland, I was told to fax my bank statements to them showing my payments, which I did this on XXXX XX/XX/XXXX. I was also asked if I wanted to file a complaint about everything which I did, with the promise of hearing back from the complaint department no later than the end of that week. It is now XXXX XXXX and I have not heard from them. 

On XXXX XX/XX/XXXX, I called again to check the status of everything where I was informed that they were holding onto my original XXXX payment of {$1800.00} but would be sending that back to me in the form of a check since they can not take anything other than a certified payment from me. They refused to remove the negative marks on my credit reports or refund me the late payment fees and returned check fees without sending in a written complaint. 

All I want is to be able to make my mortgage payments and not have my credit tarnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 a collections agency collected a debt that was in dispute of {$460.00}, breaking these laws 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1592C. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

Subject : REMOVAL OF INTERNAL BLOCK To whom it may concern, I am writing to formally request the removal of an internal block that has been placed on my credit report, in accordance with my rights under the FCRA, specifically Section 605 B.On XX/XX/2023, I asked Equifax Credit Reporting Agency I can not access my credit report. The representative of Equifax told me that they have placed an internal block on my credit file. I can not access my account because I am disputing inaccurate information and that is why Equifax have placed an internal block on my credit report without my knowledge. I did not receive any notice or anything. I do not have an internal block on my XXXX or XXXX account. So why should I have it on my Equifax Credit report? I kindly request Equifax to remove this block from my credit file immediately and provide me with written confirmation of the removal. Furthermore, I request that Equifax update my credit file to reflect the removal of the internal block. Please be advised that the FCRA mandates that the consumer reporting agencies respond to such request within 15 days failure to comply to this request within the legally required time frame will result in legal action to protect my rights under the FCRA. I appreciate Equfax 's attention in this matter and please provide me with written confirmation of the actions taken to remove the internal block from my credit file. Thank you for your cooperation. I look forward to a swift resolution of this issue. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have followed all the required steps to dispute these accounts. I contacted the companies involved, and they assured me the issue was resolved. I filed a report with a law enforcement agency, which confirmed the validity of the identity theft report. Additionally, I contacted the credit reporting agencies, and both XXXX and XXXX have removed the accounts as legally required. 

However, for some inexplicable reason, TransUnion claims I haven't followed all the necessary steps. Despite submitting my claim to TransUnion, I keep receiving the same unhelpful response, alleging that the documents I provided are not valid. 

I urge the CFPB to closely examine this case, as it appears that TransUnion is failing to meet its legal obligation to process the identity theft report. The FTC, a federal law enforcement agency, has validated my report. This matter needs to be handled properly. The distress caused by this identity theft and my inability to access my credit is creating significant emotional and physical strain, affecting both my professional and personal life. I am at my wit 's end and have no other recourse. 
XXXX XXXXXXXX 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

Equifax is being reporting my information wrong or information is missed several times. I have tried to use the web site and call by phone several times and they are not able to verify my identity. 
I have sent letters with documentation and they haven't answer. I phoned again and they keep saying they can't verify my identity. 
I'm missing at least three accounts. 
I can see in my report obtained through XXXX of the three bureaus, that Equifax corrected some info ( not everything ), but still when I phone of try to use to check things over the website, they say they can't verify my identity. 
The couple of times they asked me questions to verify my identity, they asked questions about loans and mortgages I never had and they say I'm not answering correctly. 
They just placed a dispute over one of my accounts in XXXX XXXX, I didn't request, and they are not opening the dispute I do request over the account in XXXX XXXX. 
They are not including my employ information even I have sent to them already my payroll doc.
Product: Credit card or prepaid card

Capital One failed to provide me documentary evidence requested ( 15 U.S. Code 44 ) and 15 U.S Code 1666b ( 2 ) regarding a billing error dispute. They were sent a billing error dispute on XX/XX/2023. They did not respond with requested info. I sent them another letter regarding a intent to arbitrate letter and they did not comply with my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Inquiry Removal Due to Unauthorized Access and Fraudulent Activity Dear XXXX Customer Service , I am writing to address certain inquiries on my credit report that I have neither initiated nor authorized. Upon reviewing my credit report, I identified the following unauthorized inquiries : - XXXX XXXX  on XX/XX/XXXX - XXXX XXXX  on XX/XX/XXXX - DEPARTMENT OF EDUCATION on XX/XX/XXXX I believe that these inquiries are fraudulent. Unfortunately, my device was stolen recently, which has led me to suspect that I am a victim of identity theft and fraud. 

In light of this, I wish to bring to your attention the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which stipulates my rights to dispute incomplete or inaccurate information. Under this Act, consumer reporting agencies are required to correct or delete inaccurate, incomplete, or unverifiable information. Moreover, given that these inquiries have the potential to adversely affect my credit standing, it's crucial they be addressed promptly to protect my financial health and well-being. 

Therefore, I kindly request : 1. A thorough investigation of the above-mentioned unauthorized inquiries. 
2. The immediate removal of these inquiries from my credit report.

3. Written confirmation once these inquiries have been removed.

4. Advice on additional steps I should take to ensure my personal and financial information remains secure, in accordance with federal and state consumer protection laws. 

For your convenience, I have enclosed a copy of the sections of my credit report that display these unauthorized inquiries. I stand ready to provide any additional documentation needed to expedite this process. 

I earnestly urge you to treat this matter with the urgency and gravity it demands. My financial reputation and personal identity security are at stake, and I anticipate a resolution in alignment with the timeframe and guidelines set by the Fair Credit Reporting Act ( FCRA ). 


Thank you for your prompt attention to this serious matter. 

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

In accordance with the fair credit reporting acct XXXX XXXX has violated my rights. 

15 U.S.C 1681SECTION 602 A States that I have the right to privacy.

15 U.S.C 1681 SECTION 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my permission In accordance with the fair credit reporting act ( XXXX XXXX XXXX XXXX acct # XXXX ) has violated my rights. 

15 U.S.C 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 

( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer XXXX or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic during the covered period. 

( XXXX ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.
Product: Debt collection

this is in reference to paypal.a backhoe was for sale on XXXX, talk to the owner.said he do n't take credit cards.seller said he would send a invoice to my email.i told seller had only XXXX credit at paypal.seller said XXXX takes credit cards, next thing the invoice was sent I said ok and made a call back to seller.i said what is next. the seller said you are all set you are paid in full. I said how I only had XXXX and I just had received a XXXX -- raise but never XXXX.i just could not under stand how made a call got the run around. next thing I did was try to make as much payments I could. found out that I had 6months free interest. did not know what they were even talking about next thing some time at the end of XX/XX/XXXX, my statement came to my wanted post office mail paypal said they always sent mail. but they never did. only email.so in XX/XX/XXXX the statement said I need to pay only the min payment of XXXX never sent me a pay off balance. of what the balance was before they were going to hit me with interest.so I look at what the balance was and the balance was more than the last time I took a look XXXX now was XXXX some change. got a real hard time made a lot of calls. one call the paypal service name was XXXX, real wise guy. sent me an email. said that I will see some changes soon. on my account. next thing when I took a look. the interest was in the statement. but it was in a place you had to look for. XXXX. took the rest of my credit way. XXXX did in fact temper with my credit statement. XXXX never told me what he did but I could see clear threw. I made a lot of calls to pay the balance. with out the interest. which was around XXXXeach time I was told no no no they never sent me a pay off. they never told why they had to be the only ones. they made a jump from XXXX to XXXXjump to XXXX with out the facts of agreement. to me this is as bad as it gets.ps why is it that if you want to buy from XXXX. you have to go threw paypal. why is it when you press the button to buy and made a mistake. the item is paid for and you have to go threw XXXX to get you cash back. you have to call XXXX, then paypal, and some times the seller. please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express serious concern about the multiple violations that I have noticed on my consumer credit report, which have been caused by your agency. As per my understanding of FCRA 15 U.S. Code 1681n, I am entitled to monetary compensation for damages caused by these violations. 

Upon reviewing my credit report, I noticed that your agency has furnished reports in connection with credit or insurance transaction that were not initiated by me. According to the FCRA, thus can only be done if I have given you authorization to do so. Since I have not authorized any such transaction, it is clear that your agency violated the law. 

I have already contacted the creditor who is reporting this information and waiting on their agreement to delete the information from my credit report. However I want to ensure that your agency also removes these inaccurate information from my report. 

Furthermore, I would like to remind you of FCRA 15 U.S. Code 1681 n ( b ), which states that a natural person can be held liable for obtaining a consumer report under false pretenses or knowingly without a permissible purpose. This can result in actual damages sustain by the consumer, which can be a minimum of {$1000.00}, which is greater. The court may also allow punitive damages. 

I did not initiate any of the inquiries that appear on my credit report. Therefore, I request that you send me a copy of written signature that given consent to this matter, In the absence of such evidence, I demand that you immediate rectify the damages caused to my credit score and remove all inaccurate information. 

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: Consumer Loan

Reached out to Avant Credit on XXXX/XXXX/2015 as I noticed some discrepancies on all three credit reports. XXXX Credit report would have a status of 30 Days late XX/XX/XXXX while another credit report would report me OK for the same month. I reached out to a Customer Service Rep at Avant and they advised me they would get back to me when they could. I advised the rep that was unaccpatbe ; l as it has been over three weeks and I have not received a follow up call or email regarding my concerns. The rep advised I could dispute with the Credit Bureau only they report information given to them by the creditor. 


I am asking Avant Credit Please update all XXXX reports to show the same information. Pay Status, Balance, Payment, Date Open etc. 

I also went into a payment plan status in XXXX 2015 as I fell behind back in XX/XX/XXXX because of a job transition. 
I went into a payment arrangement and the Payment Specialist adbvised me they would put the amount owed on the back of my loan and I would go into a current status as long as I paid on time. 

Please update all XXXX bureaus with the correct information as I do not want to rectify this once I am going for a home mortgage. 
Thanks
Product: Checking or savings account

Charging {$20.00} on purchase made with sufficient funds only to later charge
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX carried out a hard inquiry on my credit report without my authorized consent ( Fraud ) on XXXX, XXXX, XXXX. I submitted more than 3 times my request for XXXX XXXX XXXXXXXX to immediately to remove the hard inquiry as they didn't have my authorization or written consent to make the hard inquiry but to NO joy!! Their response by letter on XX/XX/XXXX " We've verified the inquiry and we won't be adjusting our reporting like you requested and consider your dispute resolved '' As my request ( My right by law ) Is ignored repetitively and no satisfactory resolution is reached which caused my credit harm I would demand from XXXX XXXX  XXXX to send me documentations with proof of signature showing I in fact applied with this creditor otherwise delete this unverifiable inquiry from my credit report. This deletion was due almost a year ago knowingly its lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C1681 ET SEQ. Section 604 of Fair Credit Reporting Act. 
Once XXXX XXXX  XXXX and Trans Union fulfilled my request please mail me an updated credit report reflecting these changes. 
* Previous complaints case numbers : XXXX * In the event XXXX XXXX XXXXXXXX keeps violating my rights I will seek financial compensation of {$1000.00} ( 15 USC 1681n )