23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company : XXXX XXXX XXXX is reporting a collection in the amount of {$5600.00} reported on XXXX never signed a contractual agreement nor did I open this account. I filed police report as identity theft. ( see attached )
Product: Debt collection

In XX/XX/2020 I disputed this collection on XXXX XXXX XXXX On my XXXX report Knight Adjustment responded saying this was accurate despite the fact that I let them know it was identity fraud. The other two agencies removed it from my credit.
Product: Mortgage

I purchased my home in XX/XX/XXXX through XXXX using a VA loan. The mortgage servicer was XXXX and I had automatic payments set up in the eight years since. Apparently XXXX XXXX XXXX handed off their servicing of this loan to Loancare, a Service Link Company during XX/XX/XXXX of this year, and I never got any notice of the change. I do n't follow that checking account frequently as I moved out of this house in XX/XX/XXXX and have had it rented through a property manager since. During the handoff XXXX did not send my current mailing address, email nor phone number to Loancare. Over three months went by without a payment nor any contact from either XXXX or Loancare. I only found out about the error when I called XXXX to refinance this property and they notified me that I had delinquent payments. I reached out to XXXX who redirected me to Loancare. I found out that Loancare had been sending bills to my rental house, as that was the only point of contact they had for me. XXXX had and has my current residence, email and a phone number but failed to pass any of this on to Loancare. Both XXXX and Loancare failed in their due diligence during the change of mortgage servicer. Because payments were over three months late, my FICO score has been severely effected due to an error on behalf of two companies that made zero effort to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my request for a Investigation of any information on my delinquency or derogatory behavior. Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. It is my understanding that you will investigate these items for me, to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On multiple occasions throughout the week, for years, I've been harassed by this number/company. Wanting to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered in my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Money transfer, virtual currency, or money service

Chime will not reverse a charge for products not received. It makes no sense. {$200.00} sent to a unknown at the time scammer on XX/XX/2024 in regards to renting a vehicle out and they will not return my money when I didnt receive the product.
Product: Checking or savings account

So all of my funds was stolen from my account after my phone and cards were stolen so I filed a dispute with venmo because my account was completely wiped they denied it until I filed a complaint with better business they immediately did they job and granted me my money then turned around and ceased the money the next day I need my money now or I'll be filing complaints on all sites possible to get the word out I really think this company is stealing customers money putting fake transactions because there is no excuse for this is poor customer service this is XXXX we are talking about I need my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY PULLED MY CREDIT REPORT OVER 1 MONTH AGO FROM TRANSUNION AND I NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT AUTHORIZE. I CONTACTED TRANSUNION VIA TELEPHONE AND THE COMPANIES LISTED TO INFORM THEM THAT I DID NOT AUTHORIZE THESE INQUIRIES OR ACCOUNTS AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. THEY DID NOT TRY TO HELP ME.I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE INQUIRIES ARE A RESULT OF IDENTITY THEFT. 

SO I WOTE A LETTER On XX/XX/XXXX to Transunion. I NEVER RECEIVED A RESPONSE. I called multiple times but no one helped me. 

My letter was sent over 30 days and I have not received a response yet. it is by law according to the FCRA that these unauthorized hard inquiries be removed. 

The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) The law states that If you are unable to verify the inquiries with the original contract, the information should be removed from my credit report within 30 days. 

Here are the unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at a auto dealer on behalf of my brother as a cosigner. I ask the Salesperson to do not inquire my credit by more than XXXX XXXX XXXX ( creditor ). He agreed but I have three inquires on my credit report - XXXX XXXX, XXXX. In XXXX of XXXX I called the salesman ( XXXX ) and asked why he did not follow our agreement and he 's response was that it was not him, it was his manager.
Product: Checking or savings account

XX/XX/year> I opened an account with daily pay. I created a user name XXXX password. I never entered any of my banking/debit card information on the account. I stared receiving texts that someone was trying to withdrawal XXXX dollars. I alerted daily pay that suspicious activity was going on with the account. A few minutes later a XXXX XXXX XXXX card was added to the account. I called daily and requested that the account be closed due to fraudulent activity. I spoke to XXXX who told me the account would take XXXX XXXX to close. The following day when I logged into the account a withdrawal of XXXX dollars was taken out my paycheck stating I took a payday loan. I called Daily pay back and explained I never transferred any from that account. I never even used the account. A bank account was to the account which belonged to daily pay to set up direct deposit for me without my knowledge. So on my payday XX/XX/year> my check balance was XXXX. Daily pay wanted to pay me XXXX dollars stating I transferred funds. I never used the account. My checks were going direct deposit in my personal bank account. They refused to tell me who authorize the XXXX XXXX XXXX card to withdraw funds from my account. I filed a complaint with their fraud company to no avail. I called multiple times to speak with a representee to assist me. Either they hang up or speak to you rudely. I would like for daily pay to refund me my hard-earned money they took out my paycheck. without my consent, also who account did they send my money too. This company needs to be investigated for stealing funds from hard working citizens.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit was pulled without my permission on XXXX XXXX XXXX XXXXXX/XX/XXXX. XXXX/loan expert did not ask when he pulled credit. Now I have more inquiries than I was supposed to. Effecting my score. XXXX XXXX XXXX Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with FEDLOAN SERVICING, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called FEDLOAN SERVICING and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX, and FEDLOAN SERVICING with no successful resolution. XXXX and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Product: Debt collection

I noticed a collections account on my credit report for XXXX XXXX XXXX XXXX the amount of {$14000.00}. The account balance at close was {$7400.00}. I attempted to make contact with XXXX XXXX XXXX XXXX XXXX, regarding this account via phone and email. When I recieved a response from XXXXXXXX XXXX XXXX XXXX  XX/XX/2023, I was told that The amount owed was {$10000.00} and I could pay it now. I offered to pay the the origional account balance at close in full plus interest, {$7800.00}. XX/XX/2023, I recieved an email that my account had been transferred to an outside collections agency, TransWorld Systems Incorperated ( TSI ). When I called TSI, I was advised that my balance was now over {$14000.00} again? I was told that TSI was a government entity, had the power to without a judgement take all my money, vehicles, home if needed to pay this federal debt. When I tried to ask why the amount changed overnight by over {$4000.00}, The representative told me that it was " Fees '' charged by TSI. Once again I was instructed to pay the full about or they will take my taxes. I got off the phone with TSI and called XXXX back, they refused to speak with me. I asked if they " sold '' the debt to TSI, they said no, its just being " serviced '' by them. I have been trying to settle this account for over a year now. TSI was able to, without a judgement, take my federal taxes, garnish my wages and still they say that I owe over {$10000.00}. Currently I have paid over {$6000.00} to TSI for this debt. This type of collection has to be illegal. These " Fees '' they are charging that I am not allowed to know what they are for, they are also additional to a penalty interest rate. Every wage garnishment they take {$470.00}. They informed me that {$140.00} goes to interest, {$75.00} goes to their fees. I have called and emailed both companies more than a dozen times. They refuse to communicate in any written form. They want me to call so they can threaten me with more? When will this stop? I was never allowed to see the garnishment order, I am not allowed to pay on the account, there is not statement of fees and TSI is not a government agency. I have filed a complaint with the Texas Attorney Generals Office as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1. Equifax XXXX on XX/XX/XXXX 2. XXXX XXXX on XX/XX/XXXX 3. XXXX XXXX  on XX/XX/XXXX 4. XXXX XXXX on XX/XX/XXXX 5. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX. I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had the issue resolved and XXXX XXXX from TD Auto Finance investigated and removed the negative marks on my credit and I have letter confirming and it was removed. Now I see this month it is back negative on my credit reports.
Product: Checking or savings account

I go on line Bank of America, Direct deposit savings account.sign in, give my online ID and pass code.Sign in security step enter the asked for tex.Continue to sign in.Verify identity. Enter Authorization code.Authorization code never given.To the right I click I never received my authorization code.It gives me a number to call to get the authorization code ( XXXX XXXX XXXX XXXX .I now live in the XXXX  this call cost me {$30.00} the minute there is a connection and goes up from their.I get a machine not a live person.Put on hold for 20 min.Then it drops me off. I have called Bank of America and worked with a person Named XXXX that told me that the process of getting the authorization code needed to be reset and that she would do that and the problem would be solved.Was not.Second person was XXXX who transferred me to another person named XXXX we spent quite some time on both the computer and phone.Said that she would reset the authorization code and that should fix the problem but that it would take 24hr. to 48hrs before it would take affect.48 hrs later on the phone and computer with XXXX  problem still there.Can not access my on line account.This mostly took place on XX/XX/2020 around XXXX until XXXX.Problem has not been fixed.Bank of America has in affect locked me out of my savings account and denying me access to my funds.All I get from these people that have tried to help me is that they do not know what to now do. They advise me to keep calling and hope that I eventually get someone that can fix the problem.
Product: Checking or savings account

Applied for a $ XXXX on line company XXXX XXXX with XXXX XXXX. Stated I was approved. Email Loan Agreement. XXXX XXXX signed and I signed. In order to deposit the money you had to have a online account. Did not have one so I open one. He send {$2000.00} for me to deposit in the account. When I did he said he would send the $ XXXX. When I did this XXXX XXXX wrote XXXX checks signed my name and the bank cash then. The bank signature does not match my signature which the bank have on file on my signature card. They went ahead and cash over $ XXXX of checks against my account. I emailed all the information from XXXX XXXX. I even called the bank to tell them to close my account. When into the bank the same day to have it closed. Yet the bank still paid the checks. Filed a police XXXX. Sign a bank affidavit. Bank even mailed a letter after they had cash the checks stating the checks did not look real. Yet they cash them. I had a direct deposit of {$1200.00} the fraud department took the deposit. I never received any documentation stating what they did with it. They also took {$100.00} from my business account XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Only reason I was trying to get a loan was because my motor blow up and my roof is leaking on my house. The fraud department at Trusit Bank has every sheet of documentation. Even after I went in the bank they still paid the checks. I never write checks. Been with this bank over XXXX years I do not even own a check.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I applied for a loan with Personify Financial and was approved for a {$900.00} installment loan with a APR of 139 % over 24 months and a 5 % origination fee. After talking to a lawyer I was advised that the interest rate was too high, therefore making the loan contract usurious for the state of Florida. The state of Florida 's usury statue XXXX, states that the maximum that a lender can charge for interest is 18 % for the type of loan that I have since it is under {$500000.00}. This is very upsetting to find out and makes me feel like i was taken advantage of due to a tight financial situation. Being in a contract like this may set me back more due to the high interest rate and incur more damages
Product: Checking or savings account

XX/XX/2018 Deposited via ATM {$1800.00} at a PNC Bank Branch in XXXX, VA into my PNC checking account. After taking my funds, the ATM immediately displayed a temporarily out of service error and my debit card was ejected shortly after. However, my account was not credited to reflect this deposit. I went into the bank to resolve this issue, but none of the employees at this bank branch has access to ATM. My only recourse is to file a dispute. The dispute takes up to 10 days to be resolve and for this entire time, I don't have access to my funds. Because of PNC 's faulty ATM, I don't have access my funds for days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing a copy of my credit report and discovered it contained some inaccurate accounts and personal information. I am requesting that you promptly remove these inaccurate accounts and update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH,XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH , XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX did not process my payment which was on time. They state I was 60 days late and yet when I contacted them directly, they admitted the account was paid in full and they received my payment. They sent me a letter indicating that there was zero balance and never late. But would not update my credit report indicating that I should use the letter to dispute with Experian.Experian rejected the letter and kicked it back to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hi I opened this account back in XX/XX/2016 at a branch in XXXX XXXX. At the time of account opening, I was advised that there won't be any fees associated with the account, and that this account also qualifies me for a HSBC credit card that I can try to apply for. I did not apply for that card in the end. 

As this account was primarily intended as a savings account, I had left this account alone as I didnt want to touch the funds unless absolutely necessary. However, I had fraud activity on my other accounts recently, I began to review my other checking accounts as well, including my HSBC account.

It has come to my attention that HSBC has been charging me {$25.00} each month, even though I was told I wouldnt be charged any fees. I spoke to the customer service representative over the phone, and their response was that he doesn't know whats going on either, but this is the account type that my banker had set the account up as, and that theres a {$25.00} fee for this account. 

I am personally not familiar with the different account types and tiers that HSBC offer, but I was very specific with that banker that I didnt want an account with a monthly fee of any sort.

HSBC has refused to help with my situation, so I am hoping CFPB can. Please help. 

Thank you so much.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 

I never owned this debt and I never signed an agreement or gave any documentation to even start a contract with them. I asked for supporting documents they refuse to show. This debt is not mine. I requested Proof of ID, Residency, Handwritten Signature & Supporting Documents To Prove This Debt Is Mine.