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

My husband is in the military and in and out of the field. When he bought my wedding ring in XX/XX/XXXX XXXX 's stated he had a year until he had to make a first payment, he put $ XXXX down and had $ XXXX left to pay. We never received notices, emails or calls about " late payments. '' I called end of XXXX because I noticed they had my name completely incorrect and his name backwards. It wasn't until we started working with the VA XXXX loans that they told us about what XXXX had put on our credit. As stated before my husband is in and out of the field. It took me months to be able to call on his behalf then they said I could only make payments not talk to someone in detail. Once again working with the VA I called XXXX 's AGAIN each time a month apart. They are reporting you past due every month and that they are showing an amount past due I asked why is it showing late when they told us he had a year to pay and why they haven't notified us of any late payments. They had his phone number wrong! I paid {$300.00} that day and asked to set up monthly payments. Fast forward to XX/XX/XXXX, VA is still saying XXXX has it as " late payments ''. So I call, they say the account is now closed and if I don't pay {$290.00} today its going to collections. I was outraged and said how I set up monthly payments and just paid {$300.00} and she informed me that no monthly payments were set up. I paid the {$290.00} and once again set up monthly payments. Our tax return came XX/XX/XXXX and I paid off the rest of the card, yet still have derogatory remarks on our credit report. I also kept stating how it wouldn't let us create an online account for me to be able to see all of this and track it and they had no explanation.
Product: Checking or savings account

Re : Cease and Desist From Reporting Information Below To Third-Parties. Consent was not granted to share ( Account information in attached documents ) Please read the information below CAREFULLY and SLOWLY as to not get anything confused!

Thank You! To Whom It May Concern : Pursuant to 15 USC 1681b-Permissible purposes of consumer reports. 
IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 
I, XXXX XXXX never gave Bank of America any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. A copy of FEDERAL LAW is attached with this dispute letter. 
Pursuant 15 US Code 1692c ( C ) - If a consumer notifies a debt collector [ or any data furnisher ] in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector [ or any data furnisher ] to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except Communication - The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
Medium includes : Telephone, a letter in the mail, social media, email and a consumer report. 
Reporting to a consumer reporting agency is VOLUNTARY which means you are using my consumer report as a form of coercion that is keeping me from getting a new bank account.
Product: Debt collection

Made an Experian account and noticed alot of account that weren't authorized by me and looking to get the account listed removed from my credit report as soon as possible.
Product: Credit card or prepaid card

I have opted out of receiving credit card offers with all of the credit agencies, yet I continue to receive offers in the mail from  Capital One . I do NOT and have NEVER done business with them.     I have called them and asked them to stop yet I still receive offers almost weekly. I want it to STOP.
Product: Mortgage

If you look in my my file with CFPB for the one other complaint I filed again the same mortgage company , the problem started then. I thought we finally had this resolved but then the are repeating the same mistakes over and over again.

We have TWO ( 2 ) flood insurance policies on our property and they are with 2 different companies. We have our " main house '' flood policy and then we have a detached garage that has an apartment on the second floor, so that is our secondary flood policy. 

FirstBank 's underwrites, or computer systems, or humans who work is the department responsible for managing our escrow, CAN NOT FIGURE THIS OUT. I have been on the phone with the many times for XXXX  years. XX/XX/XXXX, they just did not even pay the second policy and we got dropped. This was even after I spent two hours on the phone with someone there saying they were creating a second property plot file to show we have two flood policies. That did not work. We finally decided to just pay the second policy out of pocket late XX/XX/XXXX. THEN FirstBank paid in on XX/XX/XXXX when it was originally due for them to pay in XX/XX/XXXX. 

In the year of XXXX, FirstBank kept sending us threatening letters saying we were not carrying enough flood insurance, because the computer system kept defaulting to the smaller flood policy. We carry the XXXX we are allowed to carry on our Main house. 
This montage company is ridiculous and I am so tired of having to deal with them, over this same matter every 6 months. I just want another company to have our mortgage, but feel stuck because we are not going to refi just to get away from them. 
What are our rights?
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the massive XXXX data breach, information is showing on my Trans Union, XXXX and XXXX  credit report that don't belong to me. The following account, collection account and hard inquiries are fraudulent and unauthorized: XXXX/XXXX, $XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXy, $XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section XXXX05A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
NAME XXXX XXXX. 
LAST NAME. XXXX XXXX XXXX. XXXX SECURITY FREEZE
Product: Debt collection

I underwent a XXXX XX/XX/2014 at XXXX XXXX XXXX Hospital, XXXX, KY, the XXXX of XXXX that year. The first XXXX were properly billed and paid by my Medicaid insurer. In the case of the XXXX XXXX, the hospital attempted to bill the wrong insurance carrier, then failed to recognize the error for more than a year. Now, XXXX XXXX 's has turned the bill over to Central Financial Control for collection. It is illegal for a hospital to send a collection agency after a Medicaid recipient. Under Kentucky law, balance billing is prohibited for Medicaid recipients not in an XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute a late payment reported by XXXX XXXX XXXX on my credit card account XXXX. Under 15 U.S.C.1666 B, creditors are prohibited from treating a payment on a credit card account as late for any purpose under an open-end consumer credit plan if specific conditions are not met. The reported late payment violates this provision In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Debt collection

I was never contacted about this debt on my own personal phone, they contacted my brother, mother and sister in law, and spoke to them all about why they were calling, all gave them my cell phone number to call, instead they called my work and talked with my boss about what they claim they are going to take me to court for if I do not and stated that they were going to fax my boss over some documentation that I would need to fill out and send back to them. Never once speaking to me.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

This involves Capital One credit card. About XXXX XXXX, I noticed some fraudulent transactions on my account.One example was a {$16.00} rush card fee for a credit card to be sent to another address.. I never asked for this.I called Capital One, perhaps a dozen times, trying to straighten this out. I spoke to agents, most of whom spoke XXXX with XXXX XXXX XXXX  and I could not understand much of what they said.So, I then asked that the account be closed. In about XXXX, XXXX I received an invoice in the mail, saying that I owed about {$90.00}. I paid this amount. 
On XX/XX/XXXX, I received a letter from Capital One saying I owed an additional amount ( {$170.00} ) ..I called them up and said how could this be, as the credit card was closed, due to fraudulent activity? The rep didn't respond in a straight forward way, so I asked to speak to a manager. This woman named XXXX ID # XXXX ( she refused to give her last name ) Spoke to me and it seemed that she disregarded anything I had to say .I asked her why an invoice wasn't sent to me, and she just said that I had opted out of mailed items. The gist of the complaint is that they charged me late fees of {$25.00}, and then {$40.00}. I said I never got an invoice for the amounts they mentioned. But, the manager just wouldn't respond to my complaints. 
I am willing to pay any legitimate chares, which I believe are about {$90.00} ... I want that {$16.00} fraudulent rush charge taken off, as well as the combined late fees of {$65.00} taken off also. 
I also feel that the company was not responding to my previous complaints due to the fact of my age, ( XXXX ).. I believe that they just want to accumulate late fee charges and don't care about anything else... 

I had their credit card for more than 10 years and never had a problem until now.. Please try to get Capital One to respond to my complaints in a rational manner.
Product: Credit card or prepaid card

I was solicited with a promotional APR e-mail by Citibank Retail Services for their Wayfair credit card. The promotion reads : '' with one click, please enjoy this promotional APR of 2.99 % on all new purchases after activation made outside of Wayfair, XXXX & XXXX, XXXX, XXXX XXXX and XXXX with your Wayfair Mastercard until* XXXX " I activated the 2.99 % APR promotion and then made a purchase of {$4700.00} OUTSIDE of Wayfair as the promotion stated. 

I have since been charged +30 % interest for 3 billing cycles. 

While being charged over 30 % interest, I continue to receive e-mails from Citibank Retail Services that read as follows : " remember, your limited-time promotional rate of 2.99 % applies to all new purchases made outside of Wayfair, XXXX & XXXX, XXXX, XXXX XXXX and XXXX with your Wayfair Mastercard untilXXXX XX/XX/2023 '' I spoke with 2 customer service representatives for Citibank Retail Services and neither of them could " locate '' the promotion that I was referencing. When I offered to forward the e-mail, the representatives said they had no way of receiving e-mail. 

I was then intentionally transferred to a non banking department that was completely clueless about to help me.
Product: Mortgage

This is the second part of the issue with this company. They fixed the first one by adjusting the payment after principle pay down only because I made a complaint to CFPB. But they have not credited me the funds for overpayments for XXXX, XXXX and XXXX.
Product: Debt collection

I HAVE CONTACTED MIDWEST RECOVERY THIS ACCOUNT WAS DISPUTED THRU THE XXXX FRAUD DEPT DUE TO IDENTITY THEFT NOT MY ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Trans Union and XXXX all my documents that they ask for to show that I had fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting inaccurate information on my credit reports. On Equifax, they are reporting that I owe {$150.00}, with a high balance of {$210.00}. On XXXX they are reporting a high balance of {$570.00} with a balance due of {$150.00}. On XXXX they report a high balance of {$0.00} and past due of {$150.00}. All the dates of activity and payment dates are also different on each credit report. I've disputed the account as inaccurate several times and have gotten nowhere. XXXX XXXX has been automatically withdrawing money from my bank account, so none of the information being reported is accurate. I'd like the information accurately reported or removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a XXXX  of XXXX XXXX for a few years now. (  XXXX XXXX ) placed a XXXX on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. 

I will also file with the CFPB and FTC! I am very disappointed! I want it removed right away.
Product: Debt collection

I received a letter from my employer stating my wages are going to start being garnished by Midland Funding. ( Original Account XXXX ) This debt is at least 10 years old to my understanding it is considered time bared debt making it pass the statue of limitations. Currently my wages are being garnished for the last 2 months at 25 percent.
Product: Student loan

I have made XXXX different payments and all have been reversed. On XX/XX/23 I made a {$200.00} payment. On XX/XX/23 I made a {$300.00} payment. On XX/XX/23 I made a {$290.00} payment. All three were reversed and I was never notified that the payments did not go through. I made a {$290.00} payment on XX/XX/23 and I am waiting to see if that one goes through. I am concerned because I dont want it to show past due since I made the payment on time. I called Ed Financial customer service and they advised me that multiple people have been having this problem. They told me to double check my bank account info and if that is not the problem, to call my bank. I dont believe my bank is declining the payment because they are not even showing up on my bank account. I need this issue to be address to make sure that I dont get penalized for my payments not going through. I checked my bank account information and that was not the issue.
Product: Credit reporting or other personal consumer reports

The inquires remain on my credit report!!! 
XXXX and equifax arent fixing my issue!!!!!! They both closed out my inquiry dispute and nothing was removed!!!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Name : XXXX  XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, XXXX, and Equifax about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I pulled my credit report from all ( 3 ) credit Bureaus and all three credit reports are reporting inaccurate personal information. All addresses being reported for the same year ( 2011 ) which has my credit score reflecting ( O ). Please correct immediately as I am currently a victim of Identity Theft & Fraud. Attached proof of addresses.
Product: Credit card or prepaid card

On XX/XX/2019 at XXXX XXXX EDT I have made hotel reservation with XXXX XXXX, XXXX, XXXX for 8 nights in the amount of {$580.00}. On the same day at XXXX XXXX EDT after reading unfavorable consumer reviews I have decided to cancel this reservation. The reservation was active for only about 3 hours. On XX/XX/2019 at XXXX XXXX EDT I have sent email to this merchant requesting a refund back to my credit card. This merchant has responded to my email next day indicating for the first time ever that reservation and rates are non-refundable. At this time I have decided to file dispute claim with PenFed Credit Union, my credit card issuer and sent PenFed all supported documentation which indicates that non-refundable reservation was never disclosed to me during the reservation and cancelation process because this merchant on its website just does not disclose any cancellation policy at all. 
On XX/XX/2019 my Credit Union PenFed has sent me a letter indicating that dispute claim will be closed in my favor and that credits for the disputed claim are now permanent. 
On XX/XX/2019 I have received another letter from PenFed Credit Card Dispute Analyst XXXX XXXX now threatening to re-bill my account and consider the case closed. 
The case has been closed already on XX/XX/2019 in my favor. To me closed means closed, permanent means permanent. Please help. Thanks very much.
Product: Credit card

I made an online purchase that was never sent to me or delivered. The company shows they never delivered and I disputed the charge with Apple credit card. XXXX months later Apple credit says they are going to charge me for this purchase and I disputed it again. I provided them with proof from the companys own website saying that it was never delivered. I filed a police report and gave Apple credit a copy of this as well. Three months later they charged me back again. They refuse to provide me proof to show why they did this. They tell me that I must provide more information but will not tell me what that is. The companys own website says they did not deliver the product so what more proof should I need. Apple credit just says more. Is Apple credit really paying this company or just keeping the money?
Product: Credit reporting, credit repair services, or other personal consumer reports

Received an invoice from XXXX XXXX XXXX in XXXX, Florida for " Emergency Services '', indicating the service date was XX/XX/2020. During this time I was covered by health insurance with XXXX XXXX XXXX of Washington. XXXX XXXX XXXX neglected to bill XXXX XXXX XXXX and has reported this invoice to XXXX, XXXX, and Experian as unpaid medical debt. This is severely affecting my credit score and has caused me to pay higher interest rates on my mortgage and car loan. I have attempted contacting them and working this out to no avail for nearly 4 months now. Please help me. 
There are two credit agencies reporting for the same date of service ( XX/XX/2020 ). One reported to XXXX is for {$1500.00} and another to XXXX XXXX for {$1100.00}, which is actually a radiology bill from the same date of service, XX/XX/2020. Neither of which have been able to provide any proof that this is actually a valid debt to begin with. They have provided no documentation with my signature or identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report XXXX XXXX, XXXX, Dept of Ed/XXXX    XXXX, XXXX XXXX and XXXX. I see a lot of people running my credit and I didn't know about this please take these inquiries off to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted XXXX Police and the FTC.