23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX  XXXX   XXXX keep sending me collection for past car insurance that I paid in XXXX. I want to purchase a home but this charge keep coming up. They sent me a listing of all my payments and I showed where I paid double. I left XXXX XXXX because of their tactics and I have been disputing this charge every since. Against my better judgment I paid again because I was trying to purchase a home. Caine and weiner sent a settlement letter dated XX/XX/XXXX. I paid {$350.00} by XX/XX/XXXX per the settlement letter. Confirmation # XXXX Acct # XXXX. I called back. I was told I now have a remaining balance. I asked for charge to reflect paid on credit report. Nothing. 

I am now seeking assistance as this agency is not being fair. Help me get this resolved.
Product: Credit card or prepaid card

I was applying for the Discover It Secured Credit Card online. The application was filled out at XXXX on X/XX/2017. I understood that there was going to be a hard inquiry reported against my credit. The application was for a " Secured Card '' and that they were going to be requiring a deposit which would act as my credit limit. At no time during the online application process did it mention the possibility of being declined. If there was I would have pursued other avenues in which to raise my credit score. I called there customer service center at ( XXXX ) XXXX. At this point I was told there was nothing that they could do at this time. I asked XXXX who I was transferred to where in the application process it stated that there was a possibility of being declined. The answer I received was something to the affect of, " Where did it say you were guaranteed to be approved? '' I was then told that because they were going to be reporting to the credit bureaus on a monthly basis that they had the right to require more than just a deposit. I also have emails associated with this along with the application number XXXX. I currently can not create a .pdf file but would be able to forward these.
Product: Credit reporting or other personal consumer reports

I have disputed XXXX cases # XXXX, XXXX with the XXXX credit agencies in response they verified the item as accurate stating that items have verified the information with the court. I contacted the court and their response is enclosed. It is clear the court does not report to XXXX, Equifax, XXXX XXXX credit bureaus. Therefore your original response verifying the item with the court has to be an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 16811 ) and the information must be removed immediately
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; and unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I paid the total owed on my credit card account and maintained making payments in a timely manner. I submitted notification to the company that I am an XXXX XXXX service member as of XX/XX/2017. As a result, I am protected under the SCRA act. However ; the company sent me notification that my account was closed based on my credit report. I feel they checked my credit report based on my race and because I am a service member. There was no reason to close my account as it was paid in full and I did not have a balance.
Product: Payday loan, title loan, personal loan, or advance loan

Today, XX/XX/year>, I was looking around for loans to refinance my car loan. I found Lendingtree online and applied for a quite. Less than 30 minutes later, I received an email from a lender I didnt contact or share my information promoting a refinancing loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax falsely reports information and did not correct errors as far back as official complain XXXX. It has caused multiple set backs and adverse actions on credit negatively effecting myself. Refused to give copy over phone in writing and now by contacting after again denied credit card due to false information not corrected yet they shared with my personal bank. I was notified by my bank and equifax has still refused to send the feedback copy of report used to determine this that I am allowed by right to dispute. This company has known of identity fraud as also breach by this company occurred in XXXX. 
XXXX Fixed errors and sent report around XX/XX/XXXX it is now XX/XX/XXXX, problem over the phone has now stated I failed to pass identity questions when infact XXXX they provided I am not associated with and is not on my report therefore inaccurate information given to even identify myself the caller and this has now delayed application submissions for living/ housing as faced with hardship. The credit bureaus continue to cause more harm as they have not investigated as requested in XXXX to XX/XX/XXXX and eventually I had to fight for freeze as told they could not do this either. I XXXX XXXX note my rights to review and at least offer a way to receive such information by proving in another way such as through mail have not been given. This remains the same for XXXX as they confirm removal of false inaccurate information to me in a report yet report to creditor 's or venders/ XXXX parties other false information. I need to report this as it has gone on over 3 years and has greatly effected me and my children 's life especially during the pandemic when everything has been converted to electronic pay and identity style structured technology systems. The Social Security and Postal Service also are effected and I have already requested lift off of freeze until I call in to place back on and noted I would have to pay a fee as this is suppose to be offered free as identity theft protection. Note Annual credit report also has been denied several times to me during the pandemic when it has been available for free for everyone. My information was taking and company XXXX took unauthorized {$29.00} out of my private banking account that I had to dispute as well and now I am unable to even supposedly verify myself on there phone verification. I need my reports I have the right for errors to be corrected. I can not get this as bureaus with-hold my information just as the post office continues to cause havoc to my right to mail. Lastly note all information was provided such as ID, social Security Card and Address proof birth certificate and still 3 years no help this has caused XXXX XXXX and XXXX to have identity in question this long and negatively impacted as well the government ran programs I am on the discriminate and retaliate for all this that is out of my control and yet it is used against me.
Product: Debt collection

I have been contacted so many times via different mediums including but not limited to the XXXX XXXX XXXX, telephone and email attempting to collect an alleged debt from me. It has reached beyond the extent of being considered XXXX. I have requested the alleged debt be verified to me by providing the original contract that contains my wet signature proving the alleged debt belongs to me. I have not received it, however I have continually been contacted about paying it. There also was notice of me being sued by this company because of this alleged debt left in the possession of someone other than myself. I was never notified by the company of this step being taken, only made aware when I finally spoke with the person whom received the notice from the constable. I went to courthouse and answered the notice, and showed for the trial that was arranged at a later date. Upon my showing for the trial which was set for XX/XX/year>, the plaintiff which is this company Midland Credit Management never showed nor communicated with the courts and the presiding judge dismissed the case without prejudice.
Product: Credit card

My line of credit was {$500.00} that I extended me the natural person JPMorgan Chase aloud an XXXX party company to charge my card for {$1800.00} which I find quite confusing due to the fact my credit limit is still {$500.00} and I could never exceed this amount They also have been charging me double by accepting cash payments since I open the account which is a XXXX XXXX violation of my rights due to the fact they never properly disclosed very vital information of the informed use of the account not only are they charging me on my account the XXXX party company is still asking for the extact payment now thats triple in payments this is fraud and I will be forced to and affidavit, bill of particulars and any other steps necessary to seek all that is due in damages!!!! I will be force to take legal action
Product: Credit reporting or other personal consumer reports

Dispute was emailed back with no change or any information to verify account original information
Product: Mortgage

Dear CFPB : This was prepared as my Dispute of XXXX Bank 's Response in Case Number XXXX. The CFPB website, due to a technical glitch, will not permit the Dispute to be submitted. Consequently, I am filing a new Complaint. However, this should be consolidated with the aforementioned Case. 
This case pertains to the refund of tax overpayments by banks to their home mortgage customers. It is a standard practice for a homeowner with a mortgage that escrows taxes to pay real property taxes TWICE when a home is sold near the beginning of a tax year. When this happens, the taxing authority ( in my case, XXXX County, Maryland ) refunds the surplus tax payment to the homeowner. The procedure it follows for making this refund is as follows : half of the amount due is sent directly to the homeowner ; the other half is sent to the pertinent mortgage bank for repayment to its home mortgage customer. Accordingly, XXXX County made the direct payment of half the tax refund due ( {$10000.00} XXXX. It sent the other half to US Bank 's agent for tax payments and refunds, a company called XXXX. The XXXX XXXX XXXX XXXX XXXXXXXX, has advised, in writing, that the latter payment cleared XXXX XXXX, 2016. Nevertheless, after the passage of four months, the tax refund of {$10000.00} is still in US Bank 's hands. 
So how did US Bank respond to these allegations when made in Case number XXXX? It pointed to the payment of {$10000.00} and implied that was everything to which I was entitled. The Bank ignored the payment by XXXX County of the second half of the tax refund to its collection agent, XXXX, for repayment to me. 
I have furnished US Bank with written documentation from the XXXX XXXX XXXX XXXX XXXX that it directly paid me a tax refund of {$10000.00}, representing half the sum due, and that it it paid the Bank 's agent, XXXX, the remaining tax refund of {$10000.00} earmarked for me. The written documentation confirms that saif payment to US Bank 's agent cleared XXXX, XXXX, 2016. 
Given these representations, is n't it clear that US Bank is either engaged in intentional obfuscation with the intent to defraud, or that its banking practices are sloppy and lack adequate controls. Either way, it is not reasonable to assume that the Bank 's mishandling of the tax refund is limited to my ordeal. The stronger assumption is that US Bank 's mishandling of tax refunds, whether due to intentional conversion or inadequate internal controls, is injuring a broad swathe of its home mortgage customers. 
For the forgoing reasons, I respectfully request that the CFPB investigate : 1 ) US Bank 's refusal to pay the {$10000.00} tax refund sent to it by XXXX County on my behalf ; and 2 ) US Bank 's tax refund practices and procedures across the base of its home mortgage customers. 
Thank you for considering this Complaint and for also reading this statement in conjunction with Case number XXXX.
Product: Credit reporting, credit repair services, 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 XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened 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 ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$130.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Filed a dispute against XXXX bank on my XXXX credit report I have no knowledge of this they keep saying it is proven dont give me how reasons why XX/XX/XXXX Filed a dispute with XXXX XXXX XXXX XXXX showing up on my credit report I have no knowledge of this I say it was proven that its mine and gives me no reason why but I have no idea what this says they will not remove it XX/XX/XXXX XXXX once again will not remove XXXX off my credit report I do not know who they are it is not mine or knowledge they will not remove it they keep telling me that they they found that it is mine but no other information XX/XX/XXXX Filed dispute with XXXX About XXXX XXXX XXXX my account is paid off but there was a repo on there that I have no idea about the car was never re-Poed I actually paid the car off they will not fix it or remove it from my credit report
Product: Credit card

I have had a card for over 2 years. Never had a late payment till now. 

I recently had a rejected payment on my account due to lack of funds. My fault, a transfer hadn't gone through in time. 

In attempting to fix the problem I tried to make a few payments from another account, as each one went through I confidently sent another. I didnt realize at the time that this account couldn't make outside payments and a week later I saw the rejections. 

I understand that my account was closed due to multiple rejected payments in a weeks time. 

However, they never told me the reason, I can only surmise this is the reason. They did offer to help me open a new card ..... 

They have kept 2 years worth of rewards points and refuse to give the cash value. 

They had no trouble closing the account without notice so I couldnt cash in the rewards in time. 

I just want my rewards points. I earned them. I paid {$95.00} a year for them. 

I also want my {$95.00} back since I can no longer use the card.
Product: Credit card

This is a fraudulent transaction and I informed Best Buy regarding these XXXX transactions. Best Buy tried to charge me a {$25.00} late fee which they waived when I explained the situation with their credit specialist. I had my Best Buy Credit card stolen along with my visa card and reported it to the merchants in question. XXXX XXXX XXXXSocial Security XXXXBEST BUY/XXXX # XXXXXXXX XXXX XXXX, SD XXXXPhone number not availableDate Opened : XXXX : Individual AccountDate Updated : XXXX Received : $ XXXX Status : Current ; Paid or Paying asAgreedReport Created On : XXXX Number : XXXX XXXX of XXXX Type : Revolving AccountLoan Type : CHARGEACCOUNTLast Payment Made : XX/XX/XXXX Terms : Paid MonthlyDate Closed : XXXX Paid : XX/XX/XXXX & gt ; Maximum Delinquency of 30 days in XXXX for {$51.00} & lt ; High Balance : High balance of {$1100.00} from XXXX to XXXX ; {$1800.00} from XXXX to XXXX Limit : Credit limit of {$3000.00} from XXXX to XXXX : ACCOUNT CLOSED BY CONSUMER ; CLOSED
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you I was the victim of identity theft. Per FCRA section XXXX you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

These Hard Inquiries dont belong to me, hasnt being authorized by me and has to be removed. Also this as well. thanks XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Can't get a response from the Supervisor.. The Customer service will say the supervisor will call back tomorrow however that never happens. Talked to XXXX, XXXX, XXXX, XXXX, XXXX and XXXX and so on. Everyone has a different answer and a different amount to pay. 
If I pay the {$600.00} a month this will be paid of in less than 7 months!! 
With all these problems they are ruining my credit.
Product: Credit reporting or other personal consumer reports

It has come to my attention that there are errors on my credit report. Case law in XXXX vs. XXXX XXXX, courts ruled that information may not seem to be parroted and that a reasonable investigation must take place upon receipt of a consumer complaint. According to the FCRA, when a credit reporting agency receive a dispute the CRA must prove it or remove it. I am demanding the proof be provided that these hard inquiries are in fact mine or removed. Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. In Hinkle Vs XXXX XXXX XXXX XXXX XXXX, the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract, or similar proof, not just a printout of the payments that were made. I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable. I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction. Please make the requested corrections ( delete ) on the following hard inquiries XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Please note that I have opted out in writing of your forced arbitration terms and that I am willing to seek legal relief. Please provide me with an update report within the 30 days established by law
Product: Credit reporting or other personal consumer reports

Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX