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

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX all inquires were supposed to not be hard inquires- no I impact to credit.
Product: Debt collection

This is a request to validate the debt that you claim that I owe. I request the following documents ; ( 1 ) Copy of original contract with my signature ( 2 ) My payment history from the original creditor ( 3 ) Name and address of the original creditor ( 4 ) Proof that you own or were assigned to this debt to collect
Product: Credit card

My card was recently renewed at my request, and I subsequently was billed from a recurring account that I had not yet provided updated information. Upon inquiry, I discovered that the Visa card information, with Capital One as the user had been provided by either Visa or Capital One or both. I tried to get an explanation and where they had obtained such permission from me. The explanation was that they had the inherent authority to do so, irregardless of their lack of knowledge of my actual account details. They act only with the information that previous recurring charges have been made and do not ask for permission or provide notification. This does not appear be legal and certainly not ethical. I have requested that they provide me details but they only " launched an inquiry '', not accepting any sense of wrongdoing or overstepping their authority. I want such action to require my approval, just as it obviously requires the knowledge and approval of all the credit entities and the merchant9s ) involved. 
This a major abuse of authority as I may have cancelled the original card to preclude illegitimate charges from an ongoing account. In this case the charge was legitimate but they had no knowledge of such at the time they allowed the data to flow to allow the charges.
Product: Credit reporting or other personal consumer reports

In reviewing my credit reports, I notice some inaccuracies and unauthorized accounts on my reports. According to 605B, these corrections must be made. XX/XX/XXXX ( XXXX XXXXXXXX ) {$540.00}, XXXX @ XXXX, XXXX ( XXXX XXXXXXXX ) {$0.00}, XX/XX/XXXX ( XXXX XXXX XXXX {$0.00}, XX/XX/XXXX ( XXXX XXXX ) {$1000.00}, XXXX XXXX ( XXXX XXXX ) {$670.00}, XX/XX/XXXX ( XXXX XXXX XXXX XXXX {$2400.00}, XX/XX/XXXX ( XXXX Bank XXXX XXXX {$1300.00}, XX/XX/XXXX, ( XXXX ) {$0.00}, XX/XX/XXXX ( XXXX XXXX XXXX ) {$21000.00} XXXX XX/XX/XXXX ( XXXX ) {$5200.00}, XX/XX/XXXX ( XXXX XXXX ) {$8200.00}, XX/XX/XXXX ( XXXX Bank ) {$0.00}, XX/XX/XXXX ( XXXX XXXX ) {$2500.00}, XX/XX/XXXX ( XXXX XXXX XXXXXXXX ) {$860.00}, XXXX XXXX, XXXX ( XXXX XXXX XXXX ) {$130.00} XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) {$0.00} XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) {$10000.00} XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) {$530.00} XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) {$690.00} XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) $! XXXX, XX/XX/XXXX ( XXXX XXXX Ga XXXX ). My reports and credit scores are affected with these inaccuracies and unauthorized accounts.
Product: Mortgage

PNC and XXXX XXXX has habitually failed to service mortgage accounts according to Federal Regulations. Myself and my family was impacted by XXXX and as a result I requested mortgage assistance. I was offered a forbearance. 

Upon completing the forbearance period I contacted the bank to make arrangements to bring my mortgage current. Instead of putting the delinquent payments onto the end of the loan as I had been told. They doubled my payments. And stated that was the only option available. I began making the payments but then was laid off. I called an inquired about the options available and was instructed to break the repayment plan to be reviewed for other options. 
I submitted a complete application and called to verify if anything was needed. I was told to allow my XXXX five days to review and respond. I never got a response from XXXX my point of contact she closed the application stating the documents were not received. I recent the documents as instructed by a PNC representative. When I check back over two weeks later I was told the documents were never uploaded to reopen my account. In the meanwhile I applied for State assistance. And was informed by the program that PNC has not responded to their request for over a month. 
Each time I call, I was told that someone will call me back. No one calls back. Neither supervisors or representatives. Ti date I still dont know the status of my TXHAF program or my Mortgage assistance application. PNC is the loan servicer and they have informed me previously that theyre servicing according to the investor XXXX XXXX guidelines. XXXX XXXX has a public reputation of disenfranchising minorities. 
During this period I have been ill and hospitalized and the stress is impeding my recovery.
Product: Mortgage

In XXXX of XXXX I refinanced my home with Homeside Financial, with the first mortgage payment of {$1400.00} coming due on XX/XX/XXXX. I sent a check to pay for this payment on XX/XX/XXXX with the expectation that the check would be processed in time. After not receiving confirmation of payment, I called Homeside Financial and they stated that they had not seen or processed the check yet. I created an online account with Homeside Financial and submitted an electronic payment for the XXXX mortgage payment on XX/XX/XXXX. On XX/XX/XXXX, I made my next electronic payment for the month of XXXX. 

On XX/XX/XXXX the original check that I had sent to Homeside Financial was cashed out of my checking account. Since I had already made my XXXX and XXXX payments, I expected that the check would be credited towards XXXX or applied as a direct principle payment. 

On XX/XX/XXXX I called Homeside Financial again to see why the amount had not been applied to my account and went through the process of verifying that the amount had not been already processed. When we confirmed that the check had not been applied, I spoke with a supervisor who instructed me to send an email to XXXX and XXXX so that they could research the issue. I sent an email the same day with a copy of the front and back of the check. The back of the check had their stamp stating " For Deposit Only Homeside Financial LLC ''. The account number that they stamp on the check was unreadable. 

On XX/XX/XXXX, I received an automated mailer acknowledging that the email had been received. 

I sent a follow up email on XX/XX/XXXX, since I hadn't received a response via email or any update. Later the same day I received another automated mailer with the same content as on XX/XX/XXXX. 

On XX/XX/XXXX I finally received an email back from Homeside Financial apologizing for the response time taking so long. I called the same day and was told that I should expect an answer by XX/XX/XXXX. 

On XX/XX/XXXX I called Homeside Financial as they had failed to provide an update. I was told over the phone that they were processing the payment to my account and that it would be applied by XX/XX/XXXX. 

On XX/XX/XXXX I received an email stating that the payment was still be reviewed by the corporate office. This was contrary to what I was told prior. I called Homeside Financial and was told that there was no payment processing to my account and that the issue was still being researched. I spoke to a supervisor and they stated that they'd reach out again to the research team but were unable to provide a date when I would hear back or any other information that would help recover my money.
Product: Credit card or prepaid card

Without solicitation a credit card was mailed to me from American Express
Product: Credit reporting, credit repair services, or other personal consumer reports

Insurance claims regarding a property listed on my personal information is incorrect in the A Plus database in that several insurance claims against a property with a wrong address of XXXX XXXX XXXX XXXX, XXXX, CO XXXX was paid out to someone other than myself and documented as to a property at XXXX XXXX XXXX XXXX, without the unit number. Even though the correct property address contains a unit number. The properties in question are townhouses with a unit descriptor. The correct physical address of my unit is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX. This has caused me to pay very high insurance rates. The address in my record within the A Plus database regarding my unit needs to be corrected to reflect the correct physical address including the Unit number XXXX The amounts of claims against my property need to be dropped as I never made any claims for damages and there never were any damages to this property. 

This incorrect address information is in the database managed by A Plus as reported to my by my insurance agent. The information was also in the database managed by XXXX XXXX. However, I have communicated with them and they have corrected their data. A Plus will not communicate with me even though I have called them several times never receiving a return call.
Product: Credit card or prepaid card

I have a credit card with XXXX XXXX, which is commenity bank we had to get a replacement card. The card has never been sent to us, and they say they have some internal software problem with their computers for over two months now can not even use the line of credit. Finally, after dealing with them, I have spent three weeks trying to pay them off to close out account because we do not want their services any longer and they are telling me that they can not and they have no ETA on when its going to get fixed and 2 1/2 months later we are upset because our credit is tied up on this and they cant seem to get it fixed we cant use the credit we have nothing ultimately what I want at this point is to pay off my account and close my account which they say they can not do and even if I have a payment due they can not take payments. Either is what theyre saying. I only owe about {$120.00} and its hard for me to believe they wont let me pay it off and close out the account.
Product: Credit card

I made a purchase on XXXX on XX/XX/XXXX for {$100.00}. I only use the card about once or twice a year so I did n't notice right away when I did n't receive a statement. In XX/XX/XXXX I went online to look for a statement and discovered that I was charged {$64.00} in late fees. Part of my transaction, {$26.00}, was put on my statement for XXXX that was due on XX/XX/XXXX which I never received. The remainder of the transaction was put on the XX/XX/XXXX statement and at that time I was charged a {$26.00} late fee and the {$26.00} balance was carried forward. The remainder of the transaction was due on XX/XX/XXXX but I never received that statement either. On the XX/XX/XXXX statement, I was charged a {$38.00} late fee. I attempted to call customer service but after 30 minutes on hold, I hung up. I then sent an email but was restricted to a small number of characters to describe my problem. Also I had to figure out how to send it because the system told me that I used a restricted character which I later discover was an apostrophe. It 's extremely difficult to get a problem resolved and the lack of statement being sent or me being notified that is available online is very deceptive and the due dates are vague -- -one part of my transaction being due on one month and the remainder of the same transaction being due on the following month. The late fees are extremely high -- -a little less than 40 % of the transaction. XXXX and the company that administers its card should not take advantage of its customers like this. Also once the card is paid off, you have to be wary of a reoccurring {$2.00} minimum finance charge on a {$0.00} balance.
Product: Debt collection

I have been violated by XXXX on XX/XX/2020. I am a victim of identity theft and had an lawful inquiry reported on my credit. Equifax has bought my information without my permissible purpose and has access to all my information. Equifax, which is an elaborate mechanism has assumed a vital role in deeming my creditworthiness and credit standing. To assume means to take for granted without proof as the basis of argument. It is unlawful for any creditor to discriminate against any applicant who in good faith exercises their right under 15 U.S. Code 1691. I have been brutally abused and deceived. This is the second time I am filing a complaint for the dispute and it has not been resolved. Please remove this inquiry off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT : XXXX XXXX I have repeatedly advised this account was opened under my name. I have sent police reports, letters, showing this was identity theft. 
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Product: Credit card

On XX/XX/, I applied and was approved for XXXX XXXX, through XXXX XXXX XXXX is handled through TD Bank. When I attempted to purchase two XXXX XXXX XXXX mobile devices, my order was cancelled. When I contacted XXXX on XX/XX/XXXX  and XX/XX/, they instructed me to contact XXXX XXXX to confirm that my billing information is correct. I called XXXX XXXX customer support and they confirmed the information is correct. I attempted several more times to re-submit the order, and the orders would get cancelled. XXXX has maintained the position that the issue is with XXXX XXXX. I was approved for the financing and have excellent credit. I now have a hard inquiry against my credit for a young account I can not use on the only place it can be used, XXXX. According to XXXX 's website : XXXX XXXX XXXX XXXX can be used on XXXX  and the XXXX XXXX XXXX. Based on my experience, this is false advertising.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Debt collection

I am writing to express my concerns regarding the lawsuit I received from Scott and Associates, P.C. The communication clearly stated that I am not required to file an answer in response to the lawsuit. This raises significant concerns about the deceptive tactics employed in this correspondence, which appear designed to discourage my legal response. 

I believe there have been multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant laws. I expect Scott and Associates and XXXX XXXX XXXX to address these violations appropriately. If necessary, I am prepared to pursue compensation for these infringements. 

Furthermore, I request the immediate removal of any inaccurate reports from my credit file. The inclusion of misleading statements in the lawsuit documentation seems intended to mislead and prevent me from adequately responding, which is unacceptable. 

I appreciate your prompt attention to this matter and look forward to a resolution that acknowledges and rectifies the violations I have experienced. 

Sincerely, XXXX XXXX
Product: Debt collection

in XXXX of 2013 I was signed up for my first cell phone in my name by a member of an XXXX Kiosk team. He explained to me that I had a certain amount of data to use each month and as long as I kept my wifi on I would have no problem staying within my monthly limit. During the first month of service my " Data used '' was at XXXX every time that I checked it, which happened to be once a day and sometimes XXXX. I was a little worried that it was n't updating correctly but I let it run it 's course for another week or so. During that week I began to receive texts from XXXX saying that I was over my monthly limit for data and I would be charged an extra 20 dollars for each Gig of data I used. I was extremely upset since I had been doing my best to check my data usage every day. I gave XXXX a call and the representative let me know that I could manually turn off my data by going into my XXXX app and she would credit me for the 20 dollars that i would be charged. I did this as soon as I was off the phone with her. Within 20 minutes of turning off my data I received XXXX more texts saying I would be charged {$20.00} for extra usage. I was extremely scared since this was my first phone under my name and I did not want any blemishes on my record. I immediently called back and let them know that even though I turned off my data both on my network and on my phone and was strictly running off wifi that I was being charged for data that I was not using. The next rep. I spoke with told me it was an issue with my phone and I would need to bring it into the store to have it checked out and my bill fixed. I asked if there was anything they could do to stop the data from being charged and they said no, not over the phone. When I went into the store to seek help from a store rep. they promptly sat me down and put me on phone with the number I had called previously. I was being told by the store that I would need to speak with the phone reps. and I was being told by the phone reps that I would need to pay the 2000 dollar bill in full and that they had no records of me ever previously calling and letting them know about the situation. 
Throughout the whole process I contacted XXXX about XXXX times via the phone and went into the store XXXX. They have absolutely no record of me calling and I ca n't get any help from them resolving my issue. I do not believe that I should be harassed and discredited for something that I tried very hard to get corrected in a timely manner. Unfortunately, I do not have any supporting documents as all my bills from them have the " used '' data attached and each say I owe over XXXX each for XXXX month of service for a single line. XXXX also has no record of my XXXX calls.
Product: Credit card or prepaid card

I opened a Wells Fargo credit card to transfer my balance from XXXX XXXX. It was suppose to be completed by the XXXX. 

I now have an interest charge of {$80.00} for the balance transfer as well as the amount that ws suppose to be transfered. The problem is the transfer never happened. The entire amount is still on my XXXX XXXX card. So I had to make a payment and now I'll get charged interest which I was trying to avoid. That's why I got the 0 % apr card from We'll Fargo. 

I called them and they don't know what happened so they blamed XXXX XXXX. I then called XXXX XXXX and they said it's Wells Fargo. Finally, I got them on the line together and Wells Fargo can figure out what went wrong. Then they said it may take up to 90 days to figure it out. So I'll be accumulating interest on XXXX XXXX the whole time. They were also suppose to have somebody call me that's supposed to be researching it. I've received no calls. I called them back to speak to the Executive Office Case XXXX XXXX  XXXX Case number XXXX and she did not answer or call me back. 

So now I have 2 accounts and my debt has doubled now. So of course this will now effect my credit score and a I will end up paying an amount of interest I can't calculate. I have no idea what's going on or what they did. They need to take the payment amount I made to XXXX XXXX off the Wells Fargo Card as well deduct the percentage of interest they charged me for the transfer that never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are DEPT OF ED/XXXX, DPT ED/XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF ED/XXXX, XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX,XX/XX/XXXXXXXX XXXX # XXXX,XX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX, XXXX, XXXXXXXX XXXX, 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

Hello I would like to get my childs credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, MO XXXX XX/XX/year> Attn : Trans Union On XX/XX/year>, I, XXXX XXXX, assert that I have fallen victim to identity theft, elucidated by a series of events, and do hereby state the following is true. 

I have a history of being a victim of fraud, as evidenced by my previous FTC complaint # XXXX. Currently, I am a victim of fraud again and have filed a new complaint # XXXX involving the following accounts and inquiries that were fraudulently obtained under my name. I am seeking to have this information removed from my identity. 

Accounts : - XXXX XXXX : - Beginning : # XXXX - Ending : # XXXX - Date : XX/XX/year> - Amount : {$5500.00} Inquiries : - XXXX XXXX XXXXXX/XX/year> - XXXX XXXX XXXX XXXX  - XXXX XXXX : XX/XX/year> - XXXX XXXX ( Request Originator : XXXX Mortgage ) : XX/XX/year> My current address is XXXX XXXX XXXX, XXXX, MO XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX