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

Today on XX/XX/XXXX, I contacted credit reporting agencies via telephone to remove unauthorized inquiries and accounts on my report. The representatives refused, which is a violation of my consumer federal protection rights. XXXXXXXX/Equifax/XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiries and accounts be removed now. Plus I already received a letter from XXXX XXXX saying they would remove this fraudulent account from my credit profile, nut yet they deceived me because they left it on my credit report. that is very deceptive under 15 USC 1692j & FDCPA section 807. I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). this is complete XXXX and a protected consumer, I feel as if my rights are being abused. please refer to my invoices to remedy this situation.
Product: Credit card or prepaid card

On or about XXXX 2017- I was purchasing XXXX XXXX airtickets ( XXXX for me and another for my sisters ). While I was doing that - there is screen while booking the ticket that is very  confusing and deceptive ( clear violation of UDAAP ). That verbiage suggested that If I will apply for this delta skymiles card  from american express today - I will be getting {$100.00} statement credit. But today when I was chatting with XXXX ( Amex Customer service ) - it came out to be totally different situation. I come to know that one has to use this new delta skymiles card from amex to make delta eligible purchases to get {$100.00} statement credit - it 's very very misleading and confusing. How come somebody can use the card when they do n't have it in front of them??? Moreover XXXX XXXX XXXX card - reveals the physical card details after applying for that via the XXXX XXXX mobile wallet app. Amex or Delta - did nothing like that. If they ca n't have the mobile wallet kind of app - at least they can use the usersession to record that transaction as if it is made using the newly approved card. It 's clear violation of UDAAP. Why one will apply for the credit card ( and XXXX up the credit score ) when they cant ' avail the benefits at that moment or get the reward. This is deceptive, misleading and false advertising by amex. Moreover on that page due to some technical issues - it considered as if I applied twice for this credit card. So it impacted my credit score twice. Why in the world Amex think that somebody will pay {$95.00} annual fees for a card which has so much misleading, deceptive and false wordings and that 's how it seems Amex is making money. Worst thing - their chat has a lot of wait time, ca n't be expanded, ca n't save the  contents and they never offer to send the contents by email or other means. when i tried talking to XXXX 's supervisor - XXXX - after few interactions - the chat is closed also- which means the moment I asked tough questions - they closed the chat. There is something wrong. This scandal/scam is as big as XXXX XXXX making folks fake accounts. Amex is tricking people to open the credit card which has annual  fees also to make money out of them. This should be stopped. No other credit card issuers are involved in this kind of UDAAP violation.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding Experian 's failure to properly investigate Disputes i have filed concerning inaccurate information on my credit report. Despite me providing evidence to support my claims, Experian has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Also, Experian has violated Codes, 15 U.S. Code 1681 ( e ), 15 U.S. Code 1692 ( g ), 15 U.S. Code 1681 ( c ) 2, 15 U.S. Code 1681 15 U.S. Code 1666 and 1666 ( b ), 15 U.S. Code 1681 ( s ) 2. 

The inaccurate accounts in question are as follows : XXXX XXXX XXXXXXXX XXXX XXXX acct XXXX XXXX XXXX {$880.00} charged off opened XX/XX/XXXX. 
XXXX XXXX XXXX acct # XXXX XXXX {$1400.00} collections date opened XX/XX/XXXX. 
XXXX XXXXXXXX XXXX # XXXX XXXX {$31000.00} charged off date opened XX/XX/XXXX. 
XXXX XXXX XXXX acct # XXXX XXXX {$29000.00} collections date opened XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX acct # XXXX XXXX {$840.00} collections date opened XX/XX/XXXX. 
XXXX XXXX XXXX acct # XXXX XXXX XXXX charged off date opened XX/XX/XXXX. 
XXXX XXXX XXXX acct XXXX XXXX XXXX {$9700.00} collections date opened XX/XX/XXXX. 

HARD INQUIRIES XXXXXXXX XXXX XXXXXXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX inquired XXXX XX/XX/XXXX XXXX. XXXX inquired on XX/XX/XXXX XXXX. XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 


These companies are reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents to prove the fraudulent claims, also documents for me review to see if this is actually an account that belongs to me. 
This failure to conduct a reasonable investigation has caused harm to my credit report and financial well-being, affecting my ability to ( get approved for credit, loans, housing and etc. )
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Product: Vehicle loan or lease

Subject : Request for Resolution of Charge-Off Account** Dear Hyundai Motor Finance , My name is XXXX XXXX XXXX XXXX and I am writing to seek your assistance in resolving a financial matter stemming from a vehicle purchase and trade-in agreement made in XXXX. This issue has led to a charge-off on my account, which I believe is unjust due to the dealership 's failure to honor our agreement. 

In XXXX, I purchased a fully loaded Hyundai Kona from the Hyundai dealership on XXXX XXXX, trading in my XXXX Hyundai Ioniq. Due to unforeseen circumstances, I was unable to bring the Ioniq to the dealership at the time of purchase, as I had traveled from XXXX, California, to XXXX XXXX specifically to finalize this transaction, which had been pre-arranged over the phone with a salesperson. I paid full retail plus the added {$6500.00} dealer markup. 

The dealership 's sales manager assured me that they would honor a sight-unseen trade-in of my XXXX Hyundai Ioniq at its full book value. However, the car sat for months while I awaited the pick-up from XXXX XXXX Hyundai , which never occurred. During this time, I was still responsible for making payments on the Ioniq until it was finally reloaded. Trusting the dealership 's assurance, I proceeded with the purchase of the Kona. Unfortunately, it has come to my attention that the dealership did not uphold this agreement, resulting in a financial discrepancy attributed to me and ultimately leading to a charge-off on my account. 

This situation has adversely affected my credit standing, despite my adherence to the terms presented by the dealership. I am requesting that Hyundai Motor Finance : - Remove the charge-off from my account, as it originates from the dealership 's failure to honor the agreed-upon terms. 
- Investigate the dealership 's practices to ensure accountability for the commitments made to customers. 

XXXX XXXX : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Phone Number : XXXX - Social Security Number : XXXX I have been a loyal Hyundai customer and have always valued the brand 's commitment to integrity and customer satisfaction. I am hopeful that Hyundai Motor Finance will assist in rectifying this matter promptly and fairly. 

Please inform me if any additional documentation or information is required to support my case. I am prepared to cooperate fully to ensure a just resolution. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XXXX
Product: Debt collection

This company called " tecco Systems '' has been harassing me for over a month about a debt incurred way back in XX/XX/XXXX.One the first call. some lady just called me out of the blue and started yelling and screaming at me that I " BETTER PAY! - you-d BETTER PAY ME! " ... .I asked her to send me paperwork about what this was about.. 
I actually had to call back, to make sure this was a company, and not just some woman who may have got my credit report.Also, there was NO mention that the call was being recorded, and no disclaimer that " this is an effort to collect a debt. '' etc, turns out this XXXX dollar debt was from a doctor..awy back in XX/XX/XXXX XXXX and ahllf years ago. I made arrangements with that doctor, and I do n't understand why this company is harassing me now. obviously, this was a case closed, years ago. 
I did now receive anything in the mail, as I had requested., they called and harassed me repeatedly, even on XX/XX/XXXX and XX/XX/XXXX.Today I answered their call, again stated that I neede a copy of why I owed this, they jut said they sent it. I never got it and I got screamed at again, by a woman named " XXXX '' .she said " look if you 're not gon na pay, we 'll just put this as a collection on your credit report '' I never said I was n't going to pay, I merely asked for validation oof the debt. 
I have always paid my debts. being screamed at over something that was resolved in XX/XX/XXXX, is deplorable. Still. no " this call is from a collector.. '' disclaimer and I had to ask if this conversation was being recorded. she said no. I said, well this, conversation SHOULD be recorded ''. she yelled that they mailed me something on XX/XX/XXXX XXXX, no,,, I do n't hink so, I never got it. she told me that I had to email Them for them to email me a copy of whatever they sent me. Anyway ... .they are violating the fair debt collection practices in SO many ways. " tecco systems ''
Product: Credit reporting or other personal consumer reports

XXXX and Experian are reporting a FRADULANT Collection Account that is NOT accurate and needs to be deleted immediately and updated it is NOT mine. 
This is a fraudulent account with identity theft. I had my identity stolen on the dark web, with the XXXX and XXXX XXXX breach, and lost my ID and social security card at the airport. I filed a Police Report and XXXX for Identity Theft Over XXXX accounts were opened in my name. Someone used my Bank Accounts and Stole my identity numerous times over the last several years. 

This needs to be deleted immediately it is NOT Mine. Delete and Update my Credit Report to XXXX and XXXX XXXX today. Police Report is attached. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Guys. I'm glad I was able to find you. Experian, XXXX, and XXXX XXXX are really upsetting me right now. Several months ago I disputed accounts that did not belong to me with the credit bureaus. I did it on XX/XX/20. I still don't have any kind of notification from anybody. Not even a notice from the collectors saying they received a notification from the bureaus. 

I also send them another notice on XX/XX/20. I don't know what's going on, but I need this investigation completed now. I don't want to wait months just to get them to START an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the collection account ( National Credit Systems Inc. ) with XX/XX/XXXX in XX/XX/XXXX whereas XX/XX/XXXX said the debt was valid. I disagreed and contacted the debt collector ( National Credit System Inc. ) directly in writing on XX/XX/2020 demanding and under Federal Law they had 30 days to validate the debt and provide me the supporting documents from the original creditor. The debt collector did not provide me any supporting documents to validate the debt after 30 days thus the debt is no longer valid and doesn't exist. I forwarded the written request and provided evidence and documents that the debt collector did not response and requested XX/XX/XXXX remove the item and they refused. Because this item is impacting my ability to find affordable housing its urgent it is removed.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practice, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Consumer Loan

Mercedes Benz Financial Services services our loan for our Mercedes car. On or around XXXX XXXX, 2016 they upgraded their payment system and the system was down for several days. 
I made a payment on XXXX/XXXX/16 at mbfs.com. I checked the payment history and it shows {$0.00} principal, {$0.00} interest, and the amount I paid as " over paid '' for the past THREE MONTHS!! It does not even show the total remainder owed anymore. 
This is not acceptable for a lender, thus I am filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and there are inquiries on my account that I did not authorize. Also, when I purchased an automobile, the dealership ran credit with multi lenders that I did not give permission for nor have I authorized nor attempted to obtain credit from multiple banks, credit card companies, attorneys, cash applications, etc. 
Please note the following inquiries were not authorized by me : XXXX XXXX XXXX XXXX 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

Date : XX/XX/XXXX Dear Experian : I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX The status date on this account is incorrect, please remove it. The Date opened on this account doesnt match the dates opened on my credit file for XXXX XXXX XXXX and Experian. And due to the dates being inaccurate, I ask that this account be deleted. 

Account : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX I ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX The status date on this account is incorrect, please remove it. The Date opened on this account doesnt match the dates opened on my credit file for XXXX XXXX XXXX and Experian. And due to the dates being inaccurate, I ask that this account be deleted. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXX
Product: Student loan

On XX/XX/year>, I submitted a School Misconduct Discharge application for my XXXX private loans associated with enrollment at XXXX XXXX XXXX XXXX XXXXXXXX and issued by Navient, formerly Sallie Mae. With this application I submitted substantiation to my claims related to federal and state litigation directly against Navient for loans lent on behalf of XXXX XXXX XXXX ( XXXX ) as well as litigation and settlements against XXXX in favor of federal and private student loan recipients. 

By XX/XX/year>, Navient acknowledged the receipt of my application. On XX/XX/year>, Navient replied to my application with a denied ruling on all three private loans associated with the application. For reasoning of this denial, Navient only provided this limited description, " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' All documentation provided for my claim related directly to misconduct enacted by Navient or XXXX XXXX XXXX ( XXXX ) and relates specifically to the period of my own enrollment at the school.
Product: Credit card or prepaid card

On XX/XX/XXXX I called up my credit card issuer who is Bank of America to dispute a charge made on XX/XX/XXXX based on the fact that the merchant did not deliver said services according to what was promised as advertised. I had paid for XXXX XXXX XXXX for my fiance in XXXX for services in advance back in XX/XX/XXXX. According to the merchant, who is XXXX  XXXX XXXX located in XXXX, XXXX, I was promised for a XXXX XXXX XXXX XXXX XXXX XXXX package deal and had a contract signed by my fiance and the merchant which clearly mentioned that any XXXX XXXX XXXX sessions not used may be refunded. The technician working at the clinic, XXXX told my fiance that whatever sessions remained would be refunded and that she needed to clarify with the doctor to confirm this. After waiting several months we have yet to receive any clarity or answer or let alone a refund for the remaining laser hair removal sessions. This is when I decided to contact my credit card issuer on XX/XX/XXXX to dispute this promised refunded amount which came out to about 30 % of the total price paid in advance which came out to be {$440.00}. My credit card issuer then looked into the matter on XX/XX/XXXX when I spoke with XXXX at XXXX XXXX as she said to send in invoice showing proof of payment. I then get a denial letter on XX/XX/XXXX mentioning that the amount for the services was correctly billed. Again I had mentioned in my initial dispute call to Bank of America on XX/XX/XXXX that I was not promised the advertised services and was promised a credit refund to about 30 % of the total prepaid amount that I paid for the laser hair removal package which came out to be {$1400.00}. So 30 % of the remaining sessions that my fiance did not use would come out to a refund of {$440.00}. We contacted the merchant but they keep giving us the run around. I am attaching the contract that my fiance signed at the clinic and the invoice amount billed for {$1400.00}. I urge you look into this matter as we have exhausted all patience. Kind thanks.
Product: Mortgage

The issue at hand is my servicer Shellpoint. I have been trying to resolve the issue of my past due payments with Shellpoint. Over the past few years and months I have received correspondences from Shellpoint with different past due amounts. I would like to know : Why the amounts past due keep changingHow did the past due amounts jump from only {$190.00} in XXXX XXXX to {$800.00} in XXXX XXXX. 
I have received my payment history from Shellpoint, but there seems to be fees that were told to me verbally that do not appear to be in the payment history, or, I may be misunderstanding my printout. It was told to me that there was a " Third Party Recovery fee '' of {$250.00}. What was the fee for? 
In XXXX XXXX, there was an insufficient funds charge for a check that bounced, I mailed in a money order for {$140.00} to cover the insufficient funds ( {$20.00} ) and my payment of {$120.00}. I feel I do not owe the {$20.00} insufficient fee because I paid it along with my mortgage payment. 
Can Shellpoint please explain to me how my payments are applied, to principal and interest, escrows or fees which is applied XXXX? 
Last year in XXXX XXXX, I spoke with a Rep at Shellpoint, do believe her name was XXXX, I called XXXX and we set up a payment of {$110.00} in addition to my regular payment that comes out of my account electronically. I sent in the additional payment of XXXX and it was returned stating that I did not have send in a full payment. Please help me get this straightened out once and for all. 
I would like to know what do I actually owe that is past due? XXXX amount, not several different amounts. I have attached documentation to support my complaint. 
Thank you kindly for attention to this matter.
Product: Credit reporting or other personal consumer reports

I believe you should take all the complaints Ive filed and investigate the credit collection company on behalf of XXXX and The XXXX XXXX XXXX. 

The Educational Credit Management Corporation ( ECMC ) is located at XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, MN XXXX. Their phone number is ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

15 US 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FUTHER STALL TACTICS FROM EQUIFAX.
Product: Debt collection

Some use my information to get apartment, this account doesnt belong to me..