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

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. XXXX ). 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 ). 
On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. 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 inquiry be removed now :
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/17 I mailed a certified letter ( USPS #  XXXX ) to Equifax requesting that they investigate inaccuracies on my credit report. My credit report is strewn with both incorrect and incomplete information that I detailed in my note. 

They had the gall to re-send me the same credit report that I was disputing with them dated XXXX/XXXX/2017. Not only did I identify blatant errors in my credit report for them to resolve, but they never conducted an investigation into the issues that were outlined in my letter. 

They failed me as a United States citizen and as a military veteran by not conducting a fair and reasonable investigation into my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I visited XXXX XXXX XXXX in XXXX for a root canal procedure. Initially, I expressed concern about the cost and asked if the tooth could simply be removed instead, as I knew a root canal would be too expensive for me. However, a dental office staff member strongly insisted that extraction was a terrible and harmful idea and persuaded me to proceed with the root canal instead. 

At the time, I was covered by XXXX XXXX, as I am a full-time student and it was my only insurance option. Since XXXX only covered part of the procedure, the dental office recommended I apply for financing through Sunbit. 

When determining what I could afford, the staff member initially suggested a $ XXXX plan, but I immediately told her that was far too much and that I could never afford that amount. To accommodate my financial situation, we instead agreed on a $ XXXX plan, which required a longer loan term but was the only option I could reasonably afford. I signed for this plan. 

Shortly after, the same staff member informed me that my insurance would cover less than expected, and the original plan would not be sufficient. Given my financial situation as a student living on my own with a part-time job, she assured me that they could adjust my plan to {$100.00} per month instead. I was explicitly led to believe that this new agreement replaced the original plan and that I would only be responsible for the $ XXXX payment going forward. 

However, I later discovered that instead of replacing the original financing plan, I was enrolled in XXXX separate loans, totaling {$180.00} per month, which I never agreed to. This was intentionally deceptive, as the staff member knew from our initial discussion that I would never willingly sign up for such an amount. 

Upon realizing the issue, I immediately contacted both Sunbit and XXXX XXXX XXXX. Sunbit informed me that they could not adjust or cancel the second loan without authorization from the dental office. The dental office, however, has continuously ignored my concerns, giving me the runaround and refusing to assist. 

Sunbit eventually placed me on a hardship plan with lower monthly payments, but as a result, I am now locked into paying for this debt until nearly XXXX for a financing agreement I never knowingly accepted. While the smaller payments are more manageable, I never should have been placed in this situation to begin with. 

As a result of this misleading financial agreement, I have struggled to make payments, missed some due dates, and my XXXX XXXX has been negatively impacted. I believe I was misled into signing a second loan under false pretenses and request that Sunbit cancel the second loan or allow me to consolidate both loans into a single, manageable plan more in line with the initial plan I was led to believe I was signing up for without extended interest or additional costs. 

This situation has placed me in financial hardship, and I am requesting an investigation into the deceptive lending practices used by XXXX XXXX XXXX in collaboration with Sunbit.
Product: Mortgage

I am wrongfully being charged a lender placed insurance. 
I have tried working on this issue from XXXX XXXX with XXXX At XXXX XXXX Loan # XXXX XXXX  then sells my loan to a new servicer Specialized loan servicing at XXXX Loan number XXXX Where they begin collecting the prior fees I call the company to bring this to their attention XXXX told they will make inquiry and I was to cal back XX/XX/XXXX On XX/XX/XXXX I speak to XXXX in escalation he confirms no lapse I requested charge to be removed. He states he is unable to do that
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is the servicer of my mortgage. Some late fees have accumulated on the account but all p & interest payments have been made. XXXX is reporting the account as late or past due for LATE CHARGES.
Product: Prepaid card

I received a prepaid debit card # XXXX thru CITIBANK. The card was issued on XX/XX/XXXX and the plastic card listed an expiration date of XX/XX/XXXX. I believe that this violates the Credit CARD Act of XX/XX/XXXX, which requires a 5-year period of use. I have reached out to the telephone number on the back of the card ( XXXX ) and was routed to a company called " Prepaid Services, '' XXXX XXXX XXXX, XXXX, PA, XXXX. I explained that I need the card to be reissued because the stated expiration date was not in accordance with the time period required under state and federal laws ( the card has not been " activated '' for & gt ; 12 mo. for which fees would apply ). The company refused, citing its agreement with the issuing entity ( XXXX ). 

Please help clarify whether I accurately understand the legal requirements and advise whether I am entitled to a refund of the card amount ( {$15.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

HSBC Bank USA reported that I have a balance to the credit company in XX/XX/2019 and I had a XXXX balance. It made my credit score drop from XXXX to XXXX. I have contacted them to update my information correctly, but a letter was sent to me stating it updated. But its not updated. My XXXX  report for my HSBC creditcard ending in XXXX is currently showing no payment status on file.
Product: Bank account or service

In XX/XX/XXXX, I received a bill from my dentist for {$270.00}. I have him set up on the AstoriaBank bill pay service with the correct payee and correct address. AstoriaBank apparently works through XXXX and I believe it is XXXX bank in XXXX, WI to transmit payments. I paid the dentist through the Bill pay link and later was informed that the payment " cleared '' on or about XX/XX/2016. Despite this my dentist continued to seek payment from me and initially when I looked to secure proof of payment, I received only the front portion XXXX my bank does not provide both sides of paper checks written out through its bill pay service ) of the negotiated check. Eventually, in XX/XX/2016, I received both sides of the check which is annexed. Any review of the check will reveal that wile it is made out to a dentist it was cashed by an auto parts place. It was never properly payable to a car parts place. Astoria has known of this since at least XX/XX/2016, and refuses to restore the money improperly debited from my account until they secure the money from some place else. While they call every so often to provide a status, the simple fact is that they or their agent wrongfully paid out on a check despite the endorsement very clearly reflecting that it was not properly payable to the entity to which they furnished my funds. They have no right to insist that they recover their money before restoring the money wrongfully taken from me.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 

Complaint Summary : I am submitting this complaint against [ Equifax ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ XX/XX/year> ], I discovered discrepancies in the following account ( s ) : 1 * Account Name : [ XXXX  XXXX XXXX ] * Account Number : [ XXXX ] * Disputed Information : [ High Credit, Last Date Reported, Date last Active ] 2* Account Name : [ XXXX XXXX ] * Account Number : [ XXXX ] *Disputed Information : [ Last Date Reported, Date last Active, Date Last Payment ] 3*Account Name : [ XXXX  XXXX ] *Account Number : [ XXXX ] *Disputed Information : [ High Credit, Date Last Active, Date of Last Payment ] 4*Account Name [ XXXX ] *Account Number [ XXXX ] *Dispute Information : [ Account #, Last Reported, Date Last Active ] 5*Account Name XXXX XXXX XXXX XXXXAccount Number [ XXXX ] *Dispute Information [ Account #, Last Reported , Date last Active ] 6*Account Name [ XXXX XXXX  ] *Account Number [ XXXX ] *Dispute Information [ High Credit, Date Last Active, Date of Last Payment ] 7*Account Name [ XXXX XXXX XXXX *Account Number [ XXXX ] *Dispute Information [ Last Reported, Date Last Active, Date Last Payment ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Debt collection

i do not owe this it was taken off my credit and then put back on.
Product: Credit card or prepaid card

I purchased a Serve XXXX american express card in-store on XX/XX/2022 and loaded a balance of {$400.00} at the store. I did not use this card afterwards, I did not give the card information to anyone, and i did not authorize anyone to use this card on my behalf.Shortly after the purchase of the card, a fraudulent transaction to XXXX was run for {$400.00} on unbeknownst to my knowledge. I have tried calling serve multiple times to resolve the issue. I have filed disputes multiple times and followed all of their instructions but they have failed to provide any reasoning or evidence for their non findings. I have communicated to them multiple times over the phone the charge was not mine, but they will not take any action, they will not close out the account and continue to bill me. All they have done is send me a new card to use which i told them i am never using their products again.
Product: Mortgage

We contacted Rocket Mortgage / Quicken Loans regarding the purchase of a new home during this process talking to XXXX XXXX Mortgage Banker Email : XXXX Phone : ( XXXX ) XXXX, ext. XXXX Fax : ( XXXX ) XXXX NMLS # XXXX During the three way teleconference over the phone between my wife, myself, and XXXX we went over the options for our closing and APR 's availabe we agreed on a APR of 4.125 and {$2000.00} from Rocket Mortgage/Quicken and {$3200.00} from the builder to cover all closing costs. We would use the {$1800.00} remaining from the builder to purchase a refrigerator instead of using the entire {$5000.00} from the builder to Rocket Mortgage/Quicken which when discussed with XXXX as an option if we used the entire {$5000.00} that would result in a lower APR of 3.75. When receiving the closing disclosure on XX/XX/XXXX we identifed that Rocket Mortgage/Quicken did not call and discuss with us them taking the entire {$5000.00} towards closing which should have changed our APR from 4.125 to 3.75 which was prevously promised and told to us by XXXX. This is very unprofessional and very deceiving especially when I was being transferred from one duty station to another in a condensed time period. Rocket Mortgage/Quicken had ample time to notify use to get our consent prior to closing of these huge changes which they did not. XXXX 's supervisor XXXX XXXX fixed some of the mistakes on XX/XX/XXXX like the missing {$2000.00} promised to us from XXXX at closing but could not change the APR since this would alter our closing date of XX/XX/XXXX. As a result of their unethical practices we were forced to close on XX/XX/XXXX with an APR that was not promised to us if we gave Rocket Mortgage/Quicken the full {$5000.00} from the builder towards closing. We should have waited but as an XXXX XXXX XXXX with 22 years of service I could not do this to my family of five delaying the closing date that we agreed upon.
Product: Credit reporting or other personal consumer reports

Hi there. I am a victim of identity theft and i have applecard reporting in my consumer credit report. It does not belong to me, i filed for FTC report and sended to credit bureaus to remove that fraudulant account out of my report. But they keep coming up with all kind of nonsense excuses not to remove or delete it. Please help me solve this,, its causing damadge to my score and im planning to finance a home morgage.. thank u in advance
Product: Debt collection

My credit report is reporting that I have XXXX accounts in collection ( despite my payment history saying " XXXX XXXX  of payments made on time ). However, they have been closed out since XX/XX/XXXX. They've yet to fall off my credit report and is prohibiting me from making other financial investments. As companies are denying me due to " unsatisfactory payment '' history. 


XXXX XXXX : XXXX XXXX XXXX Originator : XXXX XXXX Opened : XX/XX/XXXX Payment Status : Paid Amount : {$100.00} XXXX XXXX : XXXX XXXX Originator : XXXX XXXX  Opened : XX/XX/XXXX Payment Status : Paid Amount : {$110.00}
Product: Debt collection

Hunter Warfield debt collection company has reported I owe a debt of over {$1000.00} which they purchased from a lease company called XXXX XXXX out of XXXX, Ohio. XXXX XXXX fabricated these charges in retaliation for me reporting and complaining about illegal activity on the apartment complex property which endangered myself and my children. When we broke our lease because of unsafe conditions and repeatedly being victimized by theft by other residents and their guests the leasing company withheld my security deposit and fabricated charges for non-existent " damages '' in order to recoup the rent that would have been owned had we fullfilled the remainder of our lease. I informed Hunter Warfield of this on every occasion that I spoke with them. They insisted they had verified the debt was " valid '' by taking XXXX XXXX 's word for it. I told them I had XXXX photos of the apartment on the day we moved out showing there were no damages but they refused to let me send them to them. After repeated contacts to my cell phone I informed them I did not want them contacting my cell phone anymore and requested they only contact me in writing. Collectors were rude and hung up on me when I made these statements, only to continue calling back to my cell phone multiple times. Their collection practices were aggressive, threatening, intimidating and illegal when they refused to stop calling my cell and refused to contact me only in writing. They also did not do a proper job of validating this debt as there were no damages to the apartment at all. I have now been denied a mortgage loan to purchase a home due to this specific item appearing on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is asking for information to verify my identity. This information was sent to TransUnion on XX/XX/2022, complaint XXXX. The credit bureau seems to be stalling with the investigation process and prolong the investigation. This company is breaking the law according to the FCRA.
Product: Debt collection

This complaint is based on violations of the FDCPA and the FCRA by the Respondent.

___ On XX/XX/2019, I reviewed my credit reports and saw a newly reported collection account by the respondent regarding an alleged medical debt. This was the very first time I discovered the alleged debt. The respondent never mailed me an initial letter, and did not instruct me of my right to dispute the debt as required by the FDCPA. 

___ On XX/XX/2019, I disputed the debt directly with the respondent in writing. In my letter, I requested only a few of the materials in the CFPB standardized dispute letter for the respondent to validate the debt. Attached please find a copy of my certified letter to this complaint. 

___ At no time did the respondent validate the debt, or even provide me with the name of the creditor, or the amount owed. 

___ On XX/XX/2019, I then disputed the account thru the credit reporting agencies. In my dispute, I stated that I had no knowledge of the account, and that the respondent failed to validate the debt as required by the FDCPA. 

___ On XX/XX/2019, I received the results of the investigation from the credit reporting agencies, where the respondent failed to cease collection of the debt, as they falsely verified the unsubstantiated debt to the credit reporting agencies. 

___ The respondents failure to validate the debt can only be construed that they have no materials to rely upon to tell any credit bureau that they verified the account. 

___ It is well settled case law that a debt collector who allegedly verifies information to a credit reporting agency without account-level documentation in their possession is in violation of the section 1681s-2 ( b ) of the Fair Credit Reporting Act. See Hinkle v. Midland Credit Management , Inc, No. 3:2013cv00033 ( S.D. Ga. 2015 ). 

___Based on the aforementioned facts ( and supported by the attached Exhibit ), the respondent engaged in following wrongful conduct : ___ ( a ) Violation of the FDCPA 15 USC 1692g in that they have continued collection activity while failing to validate the debt.

___ ( d ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt.

___ ( c ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( A ) in that they failed to conduct a reasonable investigation of my dispute to the credit reporting agencies.

___ ( d ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( E ) in that they failed to modify, delete, and/or permanently block the reporting of inaccurate or unverifiable information on my credit reports.
Product: Checking or savings account

I had a check payable to me, XXXX XXXX, stolen from my mailbox. The thief took my check and opened a bank account under my name at Keybank. I went into the branch that opened this fraudulent account and they could confirmed that the thief did not have my social security number or form of identification. This account should never have been opened and shows a complete failure of controls at Keybank. 

The theif was able to con Keybank out of money and now Keybank claims I owe them money and have sent a debt to a collections agency
Product: Debt collection

I checked my credit score and was shocked at the amount of unknown fraudulent accounts that were showing on my report. I was not sure how my report was compromised, but after performing some investigation, I became aware of my information being involved in several credit bureau breaches. I contacted the credit bureaus for a more thorough investigation. They removed all the items except for two items reporting on my XXXX credit bureau from a company called LVNV Funding that I am positive are not my accounts.