23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I took a rental car from XXXX XXXX  leasing and they had a flier or a notice not part of their contractual agreement and they charged me XXXX USD for a car clean up. I disputed this with them on my XXXX XXXX credit card bill sending them the pictures of my car. Now they send this bill to collection agency resulting to an amount of XXXX USD. 

I received a letter 6 months or 9 months before stating that I owe and I explained American Collections agency on what actually happened. I never received any feedback or call from thereon. This charge is now on my credit report for a long time and I want to have it removed. 

I spoke to American Collections agency today explaining that the charge done by the location in XXXX for XXXX is a fraudulent charge. I can imagine anyone charging XXXX USD flat fee for a car cleaning where the car was rented for a week will have small dust particles because of walking. I also ensured the same before leaving the car that if I need to do anything at the time of check up. 

American Collection agency is basically being biased and saying that their customers rent a lot of cars and they know what they are doing. With all due respect they do not want to resolve this dispute. I called their office like 4 times and the lady just hung up on me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX http : //www.payacei.com Email this Business ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I made a {$2000.00} purchase of XXXX on their exchange on XX/XX/XXXX. They funds were deducted from my debit card but they didnt send my crypto. They told me the transaction failed and I provided evidence from my bank it did not via email to several support members. They then followed up telling me I would be refunded in 3-5 days. How could I be refunded if you never received money? Anyways, they havent responded to my emails in 2 days following up on this its now going on day 5 and my bank says they dont see theyre lifting the hold till XX/XX/XXXX. So they stole my money and then afterwards deleted my account. They are frauds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied for XXXX different credit card 's that Credit Karma said that I was pre approved for. This action lowered my credit score. I believe that I was denied due to Credit Karma not doing a complete job on their end. I also think they should be made to compensate me for the waste of my time and also for my score going down due to their fraudulent activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am refinancing my home. I was working with both XXXX XXXX and XXXX. The XXXX ran my credit without my consent. I only found out when this ended up on my credit report from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not make application to Conn 's XXXX XXXX XXXX. After XXXX investigated they agreed and stated they would remove inquiry Interview of my credit report it's still there. The removal was for XX/XX/2020 I have email to verify from conns
Product: Mortgage

Ever since my mortgage was transfered to Ocwen always had problem with this company. the latest is about last week XXXX/XXXX/2015 I send this company XXXX payments of {$5000.00} dollars and another payment of {$530.00} via electronic transfer to be applied towards my Principal balance. Before I make transfer I called the company and instructed them to apply all this payment towards principal and they should continue to take my monthly mortgage according to automated Periodic payment I have set up few years ago. They assured me that they do just that. As I was tracking my payment, I noticed that they have not applied all the payment and they have taken XXXX payment of {$530.00} for months of XXXX and XXXX despite them assuring me that all payments will be applied towards principal. Since I discovered this, I have call them on XXXX separate times and every time they can not confirm definitely the will do just that. I have never been late in my monthly mortgage payment ever and I do n't accept this behavior and mismanagement with my money.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of Identity theft. I found numerous accounts and inquiries on my credit report that wasn't opened by me. This has been hurting me as I am in the process of purchasing a home for my family. I also discovered that my information had been exposed in the XXXX data breach and i'll provide proof of that as well. Please remove these accounts & inquiries from my credit report and soon as possible. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$570.00} ; XXXX XXXX XXXX - XXXX {$220.00} ; XXXX XXXX XXXX XXXX XXXX - {$890.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX {$290.00} Inquiries ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  )
Product: Debt collection

This company Medical Data Systems has violated the Fair Credit Act I never received anything in the mail regarding any of these balances. I have no knowledge of these balances and I am disputing every last charge from Medical Data Systems. Medical Data Systems reported XXXX ( XXXX ) accounts and I want them removed immediately, I was not notified directly to dispute these accounts. 

Medical Data Systems -acct # XXXX for {$220.00} Medical Data Systems-acct XXXX XXXX for {$160.00} Medical Data Systems-acct XXXX XXXX for {$160.00} Maybe I should contact an attorney and sue this company Medical Data Systems for damaging my credit report with these accounts and balances. I will if accounts are not removed immediately from all three ( 3 ) credit bureaus.
Product: Checking or savings account

Bank of America provides misleading information in their app as to how much money is available for me to spend. Pending transactions are supposed to subtract from the total amount one can spend. I made a $XXXX   transfer out of my checking account, with around $XXXX left in the account on XX/XX/2019.OnXX/XX/2019 I had authorized the following 5 transactions:1. XXXX -$XXXX2. Parking  -$XXXX3. Lunch    -$XXXX4. Parking  -$XXXX5. Food      -$XXXXTotal: $XXXXI should have had a remaining $XXXX in my account. Instead, several pending transactions cleared onXX/XX/2019. At XXXX XXXX   on XX/XX/XXXX I saw that my account was -$XXXX. I had $XXXX transferred to the account to cover the account and avoid an overdraft fee. I had $3 in the account.Today, XX/XX/2019, I check my account and see that I have -$XXXX available to spend. I was charged $XXXX in overdraft fees as of writing this complaint. The previously authorized $XXXX that had been superficially deducted will cause an additional fee, as I was just informed by Bank of America. I am highly encouraged by the bank to use their app as a way to monitor what is available in my account. I was told after the fact by a representative that the app may not update with accurate information. They will also not refund any Overdraft Fees.Bank of America is either intentionally misleading me into spending money to charge overdraft fees, OR, they do not provide the appropriate information for me to understand what I can spend, and then charge me overdraft fees. I will be closing the account with a negative balance until the matter is resolved.
Product: Student loan

On XX/XX/XXXX I got served with a summons ( no court date ) by plaintiff and debt collections agency, XXXX XXXX , XXXX, stating that I owe them over {$17000.00} in damages from a student loan opened in XX/XX/XXXX for The XXXX XXXX of XXXX ( branched from XXXX XXXX XXXX of XXXX XXXX XXXX ). This is the first I have heard of XXXX and this loan, which prompted me to do research, initiate XXXX XXXX, and reach out for help ( I have notes of companies I traced back to as well as names of individuals I spoke with ). The complaint included a copy of a Loan Agreement with my signature, but once again, I have no recollection of this document ever existing. The XXXX XXXX have all been shut down due to a lawsuit against XXXX ( XXXX XXXX XXXX ) involving fraud in their financial department, and I believe it may be tied into all of this. XXXX itself is nonexistent on my credit reports but previous holders, AES ( American Education Services ) /XXXX, are. I have been given different information each time I spoke with AES except : the AES/XXXX account was opened in XX/XX/XXXX then closed in XX/XX/XXXX, which they say was when I last made payments ; however, I have not made ANY  payments to this account whatsoever! I only have two loans, both for XXXX XXXX XXXX of XXXX : one private ( XXXX  ) which was charged off, and one federal ( XXXX ) which I am currently paying.
Product: Credit reporting or other personal consumer reports

Experian XX/XX/XXXXXXXX XXXX, TX XXXX i I'm writing this letter to dispute certain information that is falsely listed on the my credit report referenced above. the inaccurate information that apperas on my credit repot
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is blocking me from unfreezing my credit, this is the only company that gives me a hard time when I try online it gives me a suspended screen. Also when I can it say that its unable to process the request. and hangs up its going on for about a week now. I have my XXXX digit pin, I don't see why I need to talk to someone overseas " their customer services '' to do a simple unfreeze without trying to get a subscription. Also you are reporting inaccurate and injurious credit information. As you are no doubt aware, credit reporting laws ensure that credit bureaus report only accurate credit information. Please delete this misleading information in order to show my true credit history.15 USC 1681a ( XXXX ) ( i ) Exclusions from a consumer report include information solely as to transactions or experiences between the consumer. By law you can not furnish transaction history. Transactions are late payments, this need to be removed now. 
15 USC 1692d a debt collector may not engage in the use of criminal means to harm the physical person consumer or my reputation. These late payments are damaging my reputation. They have also caused me great harm, mentally and physically. 
15 USC 1681a ( XXXX ) ( b ) Exclusions from a consumer report include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. I have never given any authorization or approval.15 USC 1692b ( XXXX ) you may not state that I owe a debt. 
Furthermore, I request that you send a corrected copy of my credit report to me and all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 Ay States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I reached out to Experian to correct information on an account, as they have a responsibility to report information accurately per 15 U.S.C.1681e and required to provide documentation to prove their claim per 15 U.S.C. 1637 ( b ) upon request. I have not received requested documentation. This is a tortuous and negligent act of willful civil non noncompliance per 15 U.S.C.1681n and 15 U.S.C 1681o, to which Experian will beheld liable without adhering to the F, C, R, A, and violating my consumer rights.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to dispute the inaccurate payment history reported for my XXXX XXXX XXXX XXXX account. According to my records, the account, which was opened on XX/XX/XXXX, and closed with a status of " XXXX in XXXX '' for an amount of {$11000.00}, was incorrectly reported as having late payments from XX/XX/XXXX to XX/XX/XXXX. The original loan balance was {$18000.00} with a payment term of 74 months. 

The inaccuracies reported on my credit report violate several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : XXXX U.S.C. XXXX ( b ) - This section requires that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of information in credit reports. The incorrect late payment history does not comply with this requirement. 

XXXX XXXX. XXXX - This section mandates that when a consumer disputes information on their credit report, the XXXX XXXX XXXX must investigate and correct any inaccuracies. The incorrect late payments should be investigated and rectified. 

XXXX XXXX. XXXX ( XXXX ) - This section defines a credit account and requires accurate reporting of the account status. The erroneous late payments misrepresent the accounts payment history and thus violate this provision. 

XXXX XXXX. XXXX - This section outlines the responsibilities of furnishers of information to provide accurate information to credit reporting agencies. The late payments reported from XX/XX/XXXX to XX/XX/XXXX are inaccurate and should be corrected by the information furnisher, XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I opened an account with Capital One back in XX/XX/2017. I make a monthly payment of $ 600-700 month on this account, but despite that, my balance continues to go up. The credit limit is only {$3500.00}, but Capital One now says I owe them {$5600.00}, which is {$2000.00} over the credit limit. On multiple occasion, I have requested a detailed explanation on this account to explain how I could owe more than {$2000.00} over the credit limit, when I have made loyal payments for month. Capital One refuses to supply me with that information, and have now started reporting my account late on top of it.
Product: Credit reporting or other personal consumer reports

I discovered incorrect details on my credit report that fall under 15 USC 16c-2. This inaccurate information is affecting my credit score, and I did not approve the inquiries mentioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding my XXXX XXXX  account ending in XXXX. I have been in the XXXX  since XXXX with XXXX and complications and just came home today!! Back in XXXX I think it was I finally got ahold of someone after HOURS OF GETTING THE RUN AROUND, and told them I had XXXX  and they said they would put projections on my account and a payment would not be due for that month. Not long after that call, my condition got worse and I ended up on XXXX XXXX  for about 4 weeks. I have not been able to call anyone to get help with my accounts. My husband then tried calling to tell XXXX XXXX what was happening. NO ONE WOULD TALK TO HIM BECAUSE HE IS NOT ON THE ACCOUNT!! As a result now my credit is ruined!!! I have {$100.00} 's in late fees and who knows what else!!! How is someone on XXXX XXXX supposed to get help if these creditors won't work with people!! 

My balance when this stared was around {$4000.00} wish. I now owe close to {$6000.00}!!! I have no job, just got out of the hospital, I can hardly provide for my kids and now to top is off, my husband passed away three days ago from XXXX. 

XXXX need to do something! They need to fix my credit ASAP! I can not pay for my husbands frugal because I can not get any sort of loan to pay for it! Then they need to waive ALL MY LATE FEES!! LASTLY, THEY NEED TO SETTLE THIS ACCOUNT AND MAKE IT A PAYMENT I CAME HOPEFULLY SOMETIME AFFORD WHEN I GET BACK ON MY FEET! 

THE CREDITORS SHOULD NOT BE ALLOWED TO DO THIS! WHEN YOU HAVE XXXX, YOU CAN NOT WORK, I ALMOST XXXX, I HAVE NO SAVINGS NOW AND LOST MY HUSBAND. MY CREDIT IS RUNIED NOW! HOWAM I SUPPOSED TO RECOVER?!
Product: Mortgage

I have been trying to get PMI removed for the last 2 years. According to my Loan profile the only requirement is LTV of 80 %. I reached that 2 years ago. I have tried every year to get rid of it. Each year they give me a new set of requirements. No where on any documents that I have says Wells Fargo can require an appraisal or broker opinion by one of their affiliates for which I have to pay for. I have a credit history in the XXXX. I was a customer for this loan and others with Wells Fargo for years and never late on a single payments. You can go to low estimate on XXXX {$160000.00} and still have a LTV of 80 % or at XXXX comes in at a higher of {$170000.00}. I have asked repeatedly for the documentation that I signed at closing that states I agreed to pay for an appraisal or pay Wells Fargo affiliate for a Broker Opinion. They have for the 3rd year been unable to produce any documents that meet this requirement. However Wells Fargo will get rid of the PMI if I refinance with them, pay them for an appraisal, or pay them for a Broker Opinion.
Product: Debt collection

Received a call at XXXX MST, which is the time zone I have primarily resided for over 2 years. Additionally the company makes incessant calls while I am at work, refusing to identify themselves or the nature of their calls. Aside from having all calls from all callers forwarded to voicemail while I am working, the company continues to call back numerous times a day. This harassment and illegal contact tactics must stop.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, a financial institution and furnisher of information, along with EXPERIAN, a consumer reporting agency, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by XXXX XXXX XXXX XXXX and EXPERIAN being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX and EXPERIAN do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS XXXX XXXX, Chapter XXXX regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX and EXPERIAN are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. XXXX XXXX XXXX XXXX and EXPERIAN have been willfully noncompliant by continually misusing my consumer report after I filed a complaint. 

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Debt collection

While I was on my XXXX XXXX Account on XX/XX/2021, I noticed that my credit score was dropping. In checking to see the reason why my credit score was dropping I found that there is a collection on credit report from XXXX XXXX XXXX. 

Account Number : XXXX Original Creditor : XXXX  XXXX XXXX, XXXX. 
Current owner : XXXX XXXX XXXX XXXX ID : XXXX Balance : {$1000.00} Accountholder Name : XXXX XXXX This account was fraudulently opened in my name without my knowledge. On XX/XX/2021, I filed a police report with my local law enforcement agency, and notified XXXX, XXXX, and XXXX  of Identity Theft. I have also reached out to the collection agency, and completed and returned to them a Identity thef affidavit with a copy of my police report, police report case number : XXXX with the XXXX XXXX Police Department ORI Number : XXXX. Reporting Police Officer : XXXX, Badge No. XXXX. 

I have reached out to XXXX XXXX XXXX, and was directed back to the Collections Agency. I have since purchased XXXX XXXX, and placed a Freeze on my Credit Report.
Product: Mortgage

Homeside Financial LLC called husband on XX/XX/XXXX concerning a re-fi.. they talked and I specifically heard my husband telling them he did n't want a Hard credit pull on credit reports. 
I did n't talk to them at all and yet awoke this morning to an XXXX alert of a new inquiry that I never consented to, info from report is as follows : XXXX Address : XXXX MD XXXX ( XXXX ) XXXX : Real Estate on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX
Product: Debt collection

On XXXX 2017, I received notification I have a debt in my credit report for {$210.00}. Never was aware of the debt - never received a phone call or documentation to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account Bankruptcy XXXX/XXXX CHXXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that Bankruptcy XXXX/XXXX  CHXXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate XXXX XXXX # XXXX. The Last date of Activity, Account Type - Detail, Payment History, Payment Status shows " Paid as Agreed '' but in XXXX appears " 60 Days Late '' and an FCRA violation. Please remove this inaccurate account from my credit report.