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

I have unatuthorize inquirities on my XXXX credit report that i have disputed several times with no avail or resolution, it still remains on my credit report. I also have unauthorized inqueries on my XXXX and transunion credit reports, I have also called and disputed with them also and it still remains on my credit reports. For XXXX there is one unauthorized inquiry form XXXX XXXX XXXX XXXX. XXXX has 2 unauthorized inquiries, from office depot XX/XX/XXXX, also XXXX XXXX XXXX XX/XX/XXXX. Transunion 5 unauthorized inquiries XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX and XXXX XXXX XXXXXXXX XX/XX/XXXX. Please reach out to the Bureaus and have them take care of this issue thanks. 

I have put in dispute after dispute and its honestly becoming tiring and wrecking my credit report.
Product: Debt collection

I checked my credit and saw an account from FOX COLLECTION CENTER for XXXX XXXXXXXX in the amount of {$380.00}. Please be advised this debt reported is a VIOLATION of the HIPAA Act of 1996. When I received service from the facility, I made them aware that I was a vagrant and needed financial assistance. 

FOX COLLECTION CENTER did NOT provide me with any correspondence about this debt or the right to dispute nor did they request a HIPAA release to release my medical information to them. Therefore, they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against FOX COLLECTION CENTER should this item not be deleted within the required time allowed by law. 

FOX COLLECTION CENTER is in direct violation of HIPAA regulations, and are facing fines up to {$1000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against XXXX, XXXX  and XXXX   as well, since they are incorrectly reporting this debt, too. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
Product: Checking or savings account

XXXX  places duplicate holds for each trip I take using their drivers. The initial one is legitimately what I authorize them to make in order to pay for my trip but I do not authorize them to place another hold on my account, besides. The second is illegal because it is not authorized by me. The bank I use simply accespts those holds, but it is clearly wrong. The second is that XXXX is a technology-based service and one would expect their holds to last no more than a day after the completion of a trip. On average the holds last 4 days and nothing justifies this reckless conduct. Besides, the holds I authorize which are legitimate XXXX may place other holds days after the trip was concluded and they do not care to explain why. Every time, I have complained they have no customer service personnel answering questions so their website requests me to send the documentation accompanying the complaint. Sad story is that they never revert to me to fix the problem. I have come to understand from other users of both XXXX and XXXX that this is the way these two companies do business here in the United States. XXXX does not do that in that countries and it is not even standard practice in other countries where the rideshare services exist. 

There is also an unfair business activity XXXX and XXXX engage in. If a rider is not immediately available to ride when the driver arrives, after 5 minutes the driver can cancel the trip and charge the rider anything between {$3.00} and {$10.00}. Similarly XXXX levies extra charges after 2 minutes of a driver arriving at a pick up. Their drivers delay riders all the time, but there is never any compensation for our lost time. If it is good for them to charge riders for missing rides and or delaying the pick ups, it must be equally good for them to compensate riders when their drivers routinely cancel trips. 

The net effect of this conduct on poor people like me is that XXXX places more holds than they should on my money thus denying me access to my money for days on end. This conduct is wrong if not criminal. This needs to be thoroughly investigated, and they must be punished. My complaint is about conduct that is wrong and the majority of these rideshare companies have now gotten used to the illegal treatment. For the avoidance of doubt, there is not a single way to justify their system not completing their trips like they used to do with all the necessary charges calculated at the end of a trip. Anything else is illegal, wrong and an inconvenience to users like me. This must be stopped immediately.
Product: Debt collection

We have sent three letters asking to verify the account and the contractual agreement I have with XXXX XXXX and I all received was a letter stated it has been confirmed I owe this debt. They have failed to provide me with a copy of any viable evidence bearing my signature, showing that I owe XXXX this debt.
Product: Mortgage

I had a mortgage with a local bank. The bank sold my mortgage to XXXX. XXXX in turn, sold my mortgage to Greentree who then sold my mortgage to DiTech. Since Greentree and DiTech squired my mortgage, I have accrued fees that are not applicable to me. DiTech sends numerous " invoices '' monthly with different amounts owed each time. I can not configure their amounts due nor can I figure out their billing strategy. As of XX/XX/XXXX my mortgage was to be XXXX. I send XXXX. This covers a late fee of XXXX. The remaining XXXX should be applied to my balance. It is not being applied to anything. My mortgage was to be XXXX until XX/XX/XXXX. This was not the case with DiTech. They started billing XXXX in XX/XX/XXXX. They then raised the payment to XXXX in XX/XX/XXXX. My estimation is that I owe nothing but my monthly mortgage to DiTech. I am not in arrears. My " funds in suspense '' should cover any and all late fees. Yet, they want to charge interest on my mortgage when all fees have been paid and then some. I can NEVER contact a manager. They call me all day long. I have blocked over 50 phone numbers. I want to call THEM and speak to a manager. They make it all but impossible to do that. Always transferring you to a voicemail. Was n't notified that my mortgage was being sold to a debt collection agency. I did not authorize nor would I approve of this action. Debt collection is for a debt that someone is n't paying. I 've paid my mortgage for 15 years, faithfully with a bump or two in the road and I always made good on possibly being late or missing a month. This all occurred many years  before DiTech. XXXX paid XX/XX/XXXX for years because my birthday is in XX/XX/XXXX. I have checks for all months that DiTech claims non payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX BANK XXXX Balance : {$0.00} XXXX XX/XX/2021
Product: Mortgage

To whom it may concern, After reviewing my credit report I contacted RushMore LLC, XX/XX/XXXX ; regarding a mortgage I'm a cosigner on. I ask about removing any late or miss payments, I was advised to do a Good Will letter. The owner of the house submitted the letter. It was Denied. 
I'm a joint-cosigner, I never received any information regarding late or missed payments on mortgage with Rushmore. I contact Rushmore regarding removing any late or miss payments from XX/XX/XXXX to XXXX XXXX. 
I was told to do a Good Will letter. The owner of the house submitted the letter. It was Denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are too many inaccuracies in my report and i have filed disputes with Trans Union on the dates below TransUnion. 
- 1st Letter XX/XX/2022 It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Product: Debt collection

CREDENCE RESOURCE XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Dispute of Unauthorized Information Disclosure under 15 USC 1681 Dear Sir/Madam, I am writing to dispute certain information that appears on my credit report maintained by your bureau. Pursuant to the provisions outlined in 15 USC 1681, it has come to my attention that you have been furnishing and obtaining my personal information without my written consent. 

Upon reviewing my credit report, I discovered several entries that I did not authorize or provide written consent for your bureau to obtain or furnish. Specifically, Credence Resource Mana # XXXX balance XXXX. It is essential to note that I have never provided explicit written consent for the disclosure or acquisition of this information by your bureau.

As per the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681b, it is mandatory for consumer reporting agencies to obtain written consent from individuals before providing their consumer reports to third parties. Additionally, under 15 USC 1681c, consumer reporting agencies must also provide a summary of rights to individuals who request their credit reports. However, I have not been notified of such actions nor have I provided authorization for such disclosures.
Product: Checking or savings account

suntrust bank and bb & t merged to become truist .and with that being said ive been a costumer at suntrust foach month have done this for yearsr over 11 years..with this being said my transfers from one bank account to another has always been instantaneously. with that being said i seen that my checking account was low for my insurance to hit i went to my second account and transferred XXXX dollars on XX/XX/2021 so i thought no more about it.the next morning when it hit. i was over drawn..i immediately called the bank where i had to talk to a supervisor and i was told that its up to the merchant..so as i was concerned why i had more the 12 accounts that was pending. mostly my home bills. after me disagreeing with the manager and i told them this is deceptive practices that it was done to make sure i was overdrawn that why wasnt my money transferred instantaneously. oh that dont happen.at any rate now im being held hostage to the bank for thier actions... now on XX/XX/2021 i check my account and they redeposited my XXXX dollars back to the original account which i have never deposited money into before.under penalty of purger y ... my sons money is being held hostage for their actions not mine.yes i was angry im XXXX
Product: Vehicle loan or lease

On XXXX XXXX I visited XXXX at XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and test drove a 2022 XXXX XXXXXXXX XXXX XXXX  that was priced at {$43000.00} after the test drive I informed the salesman XXXX XXXX that I was interested in purchasing the vehicle he then informed me that the vehicle would be ready for me by Monday XX/XX/2022. After filling out and signing the application ( which no copies were provided to me ) he walked away somewhere and after being away for a short amount of time he then returned to me and said that the process was taking a little longer than expected and that they were close to their closing time and told me to check back in with him. Due to the fact that it was a weekend and after him stating that the vehicle would be ready for me by XX/XX/2022 I waited until then to contact him only for him to tell me I was denied because my credit wasn't good enough.
Product: Vehicle loan or lease

I XXXX XXXX entered into a consumer credit transaction with Capital One Auto Finance on XX/XX/2021. A consumer credit transaction is a transaction in which a finance charge is involved. Persuant to 15 usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Knowing that the finance charge is the sum of all charges I was not expecting a bill. On XX/XX/2021 Capital One Auto Finance sent me a bill which is a violation of 15 usc 1692 ( b ) ( 2 ). Capital One Auto Finance has deceived me as a consumer and my rights were violated. Capital One Auto Finance failed to give me a right to rescind which is in violation of 15 usc 1635. In addition Capital One Auto Finance is in violation of 15 usc 1692 ( j ) ( a ). The term buyer is not defined per Truth In Lending, and what is not defined does not apply to me. Pursuant to 15 usc 1611 Capital One Auto Finance is criminally liable and civilly liable for double the amount of my finance charge pursuant 15 usc 1640. They are also liable for each FDCPA violation pursuant to 15 usc 1692 k.
Product: Checking or savings account

Hi, My name is XXXX XXXX the month of XX/XX/2023, Im a customer of NFC. while I was in California, I bought several things on the XXXX platform. I was in California for about three months. 
When I was finalizing the purchase in XXXX the delivery date did not appear until I put my credit card number and paid. As soon as I paid, the delivery date appeared. The delivery date was for the days when I was supposed to be back in XXXX, XXXX. When I realized that I was not going to receive the merchandise at the address where I was, I retracted the purchase. I did it because XXXX gave about forty-eight hours for that process. 
My surprise was great when on XX/XX/2023 I saw the {$61.00} dollars being charged to my checking account of my account at NFCU. I immediately reported the abusive charge by XXXX and mentioned that I had canceled the purchase two minutes after making it, which XXXX  allowed me to do so. 
The days passed and NFCU started the dispute process. Weeks later they contacted me to ask me about the purchase. I told them all the details. Also, I told them that the XXXX system did not give me the opportunity to print the date and time when I declined the purchase. I had contacted the people where I lived when I made the purchase, and they told me that they had not received any merchandise in my name from the XXXX company. Clearly, this was an abusive charge by XXXX. 
When I sent this message to NFCU apparently, I did not follow the bank 's protocols and sent it to my account with which I had paid WISh. According to the NFCU, I should have sent the message to Dispute a Recognized Card Charge, but I sent it to ATM/Debit Card Issues. NFCU never specified that I should send my message to that specific location. Also, after all, it is the same bank, and I never would have thought that this made a difference. 
The above does make a difference for the bank because shortly after they sent me a message saying : A notice was sent requesting additional information on XX/XX/2023. As of the request deadline, that information has not been received. A review of your claim has been completed and we did not find a merchant error. Unfortunately, the time frame that has lapsed between the date of the transaction posting to the checking account and your notification to Navy Federal regarding the dispute has prevented us from pursuing this matter further on your behalf. NFCU never read my message even though they were required to read all messages sent by customers and respond within two days, but they never did. 
This caused NFCU to charge the {$61.00} to me. NFCU did not advocate for me as it is supposed to. They simply washed their hands of it saying that I had not answered the message sent by them within the time established by their rules. 
I buy very often from XXXX, and I have had several incidents when they charge me for things that I have not bought, and the card used for the purchase is simply canceled and my money is refunded. 
Now, I am afraid to use my debit card because I am sure that the NFCU is not going to advocate for me. I demand my {$6100.00} dollars paid back to me. Thanks
Product: Mortgage

have mailed in payment 4 times and paid exactly the amount they sent in writing. Have been trying since XX/XX/XXXX to pay. also sent in copy of my account from the website. they sent every check back because the amount was slightly different from what they claimed. the amount always changes. then asked for a detail breakdown of exactly what is owed. what they claim as detail is not clear- is not a clear breakdown of exactly what is owed. see attachments for their last letter- is not a clear breakdown. copies of prior payments also attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't think my credit score reflects the {$930000.00} I have in stocks & bonds in addition to the value of the house ( XXXX ) and its contents. After 58 years of not missing or being late with a single payment of a single account, the score seems to me to be too low.
Product: Credit card

I had most, if not all, of my important accounts ( email, paypal, XXXX, banks, major video game platforms, etc ), and personal information ( banking cards/info, address, social security number, etc ) hacked, leaked, and stolen. These accounts and information were used to make many fraudulent purchases through my accounts with my debit and credit cards and accounts. These incidents have taken months to get cleaned up properly, but PayPal Credit of Synchrony Bank has been repeatedly denying one of my cases stating that the merchant was providing " evidence '' that the purchases were authorized. That " evidence '' simply being that my accounts were used for these purchases, the very accounts that were compromised, and are refusing to overturn and refund those fraudulent transactions.
Product: Checking or savings account

On Friday XX/XX/2023, I had my direct deposit go into my bank at Current Bank, I checked my account first thing Friday morning around XXXXXXXX XXXX to see that XXXX dollars had been withdrawn from my account, and not by me. I tried calling the bank multiple times since then as I didn't want any other unauthorized access into my account. They never returned my call and have yet to answer my calls. In the meantime, the person that hacked my account, got back in and charges multiple charges and I have yet to use the account at all. I deposited XXXX on Friday the XXXX and due to a lack of banking protocol, all my money was siphoned from my account, leaving me XXXX total, which won't even cover my gas money to get to work. I tried over the weekend, thet were closed, I have tried all day today and they have yet to respond. I wish to report this bank as all my paycheck has been stolen and I feel they did not protect my account and are avoiding speaking with me on this matter. I know the person did not have my account info as it was a new account and the ATM card was in my posession but they used a virtual card. Please help me with this matter as I feel they are avoiding me and will keep my money when I entered an agreement for services with this bank.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX  XXXX Balance Owed : {$1400.00}.
Product: Credit card or prepaid card

I learned yesterday XX/XX/XXXX that on XX/XX/XXXX {$2000.00} was applied to my credit card account. That same month I also made a {$1700.00} payment myself. I never did pay attention to what my available balance was or did the math on it. All I saw was my available credit balance went up especially since now I see my payment was close to the amount of the {$2000.00} and I assumed it was from my payment. I didnt review each and every transaction so I missed seeing the {$2000.00} addition. 

I learned all of this yesterday morning because ( a whole 7 months later ) I saw a {$2000.00} debt listed as payment adjustment and a debt for {$32.00} listed as Finance Charge Prev Cycle Charges My first thought was that fraud was happening and that my credit card account info was compromised. When I called my bank thats when they told me that back in XXXX they made a mistake and applied someone elses payment to my account and that the {$2000.00} debt was them not only taking it back but also charged me finance charges on it. 

Now my account is in the negative. The limit on the card is {$7500.00}. Ive NEVER maxed out my cards or spent over the balance but now I'm in the negative - {$1600.00} and theyre telling me theres nothing that can be done despite the error started on their end. Now I'm afraid this will be reported to the credit bureau and they will charge me a fee for being over. They made the error by misapplying they payment and I made the error in not catching apparently! 

I have previously paid my card in full and then started using it again. Starting in XXXX I made payments monthly for XXXX, XXXX and in XXXX. I acknowledge not making payments in XXXX, XXXX and XXXX. However I did make a payment this month in XXXX. I didnt make those payments for XXXX, XXXX & XXXX because during those months my statements said {$0.00} due for those months so I took the opportunity to catch up on other bills since having some leeway with my credit card payment for those months. But as soon as I received a statement that showed an actual amount due ( Which was for this month XXXX ) I made the payment, on time and a little over the amount that was due. 

With that being said Ive always had an available balance. Ive never myself taken my card down to XXXX  available balance or over my credit limit. At the time that the bank realized their error I had around {$400.00} or {$500.00} available balance and now Im over a XXXX dollars negative and my bank doesnt care that this misapplied payment messed up my account for me and now I have to bare the repercussions. I dont think this is right!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly sent letters to XXXX, XXXX  and XXXX  regarding the incorrect addresses that are reporting on my credit report. It should only be one address reflecting where I currently reside and that address is : XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX. Please contact these bureaus and tell them to comply with my request, I have sent my utility bill with a letter requesting removal 3 times now and nothing has been done. I also have a collection reporting with all three bureaus from XXXX. I know for a fact this is not my account because of the inaccurate opening date that is being reported on my credit reports. This debt collection company is reporting incorrect information on me of an account that is not mine and I want it removed immediately. 

AMSHER COLL ( Original Creditor : XXXX XXXX XXXX ) - XXXX
Product: Debt collection

I received a copy of an XXXX form in the mail which is referencing the mentioned account. Please see the attached documents for further details regarding this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT BUREAU HAVE NOT PROPERLY INVESTIGATED NOR REMOVED FRAUDULENT ACCOUNTS OF MY FILE WHE N IM  A VICTIM OF IDENTITY THEFT