23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

THIS IS NOT A DUPLICATE!!!! 
THIS IS A RESPONSE TO XXXX XXXX XXXX RESPONDED BACK TO MY COMPLAINT MADE ON XX/XX/2022. XXXX STATED THAT THEIR CORPORATION REGIONAL ACCEPTANCE HAD PERMISSABLE PURPOSE TO USE MY SOCIAL SECURITY NUMBER TO PULL MY CONSUMER REPORT. From my understanding if there was no written consent for your corporation to use my XXXX information. That is a VIOLATION of privacy. You also stated that I gave the dealership permission. So there for your corporation did not get permission and the car lot ran my credit there at the lot. Then I started receiving emails and notifications from numerous of banks including yours. This is called unauthorized use of my social security number. Then you said the automatic system declined asap. So in other words you're telling me that your corporation don't do your job. What happen to the underwritter and also finance managers when it comes to car deals? You stated that I needed to work on my credit. According to 15 Us code 1691 my credit does not and can not determine the decision made in the Consumer credit transaction. This is also A violation and credit discrimination. If you look at 12 CFR 202.9 ( 3 ) ( b ) ( 2 ) statement of specific reason basically the reason for the adverse action is discrimination due to the fact that a person with a XXXX XXXX of XXXX gets approved and a person with a XXXX doesnt. So the specific reason is in fact insufficient. Due to the fact that a XXXX XXXX or debt can not be used as specific reason. So what is the specific reason for the denial? This is also a violation of the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I rece

ived a letter stating that I opened a account with XXXX XXXX XXXX   back in may ( in the middle of a pandemic ). I have no recollection of this company. I have called multiple times and at one point they hung up on me. They never answer my questions directly. I filed multiple disputes with them and they are still on my credit report
Product: Mortgage

Homepoint Financial Paid my new insurance carrier ( I switched carriers ) on XX/XX/2022 for two insurance policies -Homeowners policy {$2300.00}, Wind {$1100.00}, and assumed a third policy from my previous agent for Flood {$1900.00}, and my escrow account was negative $ XXXX. A few weeks later I added {$4500.00} to my escrow account. Meanwhile the check that was paid out by Homepoint on the XXXX of XXXX was lost, and never received by the insurance company. After many calls and an " investigation '' done by Homepoint, they had no information on the check, so they paid my insurance carrier another {$2300.00} for the lost check, out of MY ESCROW and now I'm out ANOTHER {$2300.00}!!!!!!!!!!!!!! Homeoint financial double paid my carrier and lost one of the checks and stole {$2300.00} from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.
Product: Credit reporting or other personal consumer reports

I need these inquiries removed immediately i have never allowed anyone to pull my credit report from these places.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth follow-up 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 items 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 XXXXXXXX XXXX XXXX Date Updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

these are calls that were made to a XXXX XXXX. XXXX XXXX has told them they have the wrong number, and blocked their calls and texts yet they continue to switch numbers to bypass the blocks.
Product: Debt collection

I was contacted by XXXX that my credit score decreased due to unpaid debt to XXXX fro {$310.00} by Vance & Huffman LLC. 

I contacted XXXX who confirmed that I have no debt. 

I contacted Vance & Huffman with no response. 

My credit score dropped XXXX points due to this fraudulant claim.
Product: Debt collection

On XX/XX/2023 I sent a debt validation letter to was Westlake Portfolio Management XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXXXXXX. Today I receive a letter in the mail from westlake stating that they are a debt collector and request that I pay a debt that was sold to them by US Auto finance , inc who is out of business and disputed the contract agreement we had. In turn I do not feel this debt is valid in the event that US Auto finance sold the debt to westlake and breached the contract by not honoring the vehicle service contract or gap warranty I was paying for in my car payment every 2 weeks. In the letter I received today westlake portfolio management provided me with a new address to dispute the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has repeatedly reported that the account on file is still open in my name. I DO NOT have any open accounts with this lender. The lender has also failed to provide any documentation to me showing this account is open. I took the client to court for this and it was dropped in Bankruptcy case. If you review the notes that XXXX XXXX themselves have listed in the notes this account was dismissed as part of a bankruptcy. Yet your credit agency still continues to report this account in my file.
Product: Debt collection

Police reports and FTC report already submitted listing the original creditor , company claimed law enforcement agency reports were not valid unless the collections agency was listed as a separate entry. District Attorney & personal counsel have advised that the companies claim is false, my documentation of ID Theft & fraudulent charges is correct and valid, thus advised to resubmit.
Product: Debt collection

I contacted Alliance collections about putting 8 collections on my credit for the same collection and how it was an unfair practice for them to use my doctor dates of services and the broken up bills that the hospital sent them for the grand total, when those dates of services and those bills were never sent to me like that in the first place. They wrote back to me telling me its basically legal for them to do that..and sent the list of the dates of service. Those billls were sent to my insurance and then sent to me. So i got them as a big bill. I know you ( Allaince ) got contracted to pay off one amount. Not all of the little amounts you are are trying to use as your bills to ruin my credit and make me pay faster. It only makes me want to contact a lawyer and see what i can do because i have proof that it was one bill from the hospital. being on XXXX, is hard getting by anyway, and when you do this to people to hurt them it is terrible and it is unethical i feel to ruin someone's credit when they are paying you just because you want them to pay quicker. I know I owe, it is not about that or the amount. It is about you putting 8 hits on my credit for one bill from the hospital. That is ridiculous. That is unfair and unethical  practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts or inquiries :
Product: Credit card or prepaid card

It is my bad fortune to have accounts with some companies that only offer Comenity as the servicer of their credit cards. However, after several months of poor servicing, I am convinced that Comenity purposely tries to make paying your credit card bills so difficult that you end up paying extra interest or service fees. 
With 2 companies, in particular, XXXX and XXXX, you can ONLY take advantage of the better loyalty programs if you carry their store cards. However : 1 ) for a period of 6-8 weeks ( XXXX to XXXX of 2022 ) you could not even see your balance as their system was not working 2 ) Their online payment portal consistently goes through the motions of accepting your payment but then provides a message that they are unable to complete the payment and directs you to customer service 3 ) the automated customer service goes through the motions of taking your payment ( which takes about 5 minutes! ) & then provides a message it can not be processed and you must speak to a customer service agent & be charged {$9.00} 4 ) after holding for long periods, the agents take your information, make you hold, and hang up with no action taken. 

Today, I had to make that call 3 times. 45 minutes later, I'm still unable to make my credit card payment with no explanation. Each time, after 10-25 minutes for each of the 3 calls, the rep would pick me up from hold and hang up on me. I called and asked to speak with a supervisor and was promptly hung up on. 

On those few times when I have been able to speak with an agent, they tell me this happens to everyone. Can you imagine the extra interest & fees Comenity is collecting with such widespread abuse? One month of issues I wouldn't be so suspicious, but at 4 months, I have to think it is nefarious. 

I feel strongly that this is a scam. The Comenity is intentionally making it so hard to pay your bill ( and I pay mine off monthly ), that you have no choice but to carry a balance, accrue interest, and pay unnecessary service fees. 

While this has been happening to me, I just reviewed their XXXX page, and WOW! The issue is so widespread, that they have to be making a fortune off of consumers just trying to pay their bills. This company needs some government oversight.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX CO XXXX BALANCE : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX B XX/XX/year>
Product: Debt collection

This company allowed an account to be opened in my name without my consent .sometime in XX/XX/year> this account was open I lived in XXXX Michigan at the time and the account was open to a previous address in XXXX ga
Product: Credit card

On XX/XX/2024 I made a purchase at BestBuy for some appliances in the total amount of {$2500.00}. The salesperson called the XXXX XXXX for approval. The sales person on the phone ran my credit and advised I was approved and told me I would have a {$5000.00} limit. I explained that the purchase I was making was a little over {$2500.00}. He then advised that I would have the ability to use it at Best Buy only or as a XXXX at any store. I asked the question " what is the difference in the card '' He then proceeded to tell me that the only difference would be that I would have more buying power outside of BestBuy opposed to only purchasing from BestBuy. I opted for more buying power of course. His next question was if I wanted 12 months or 18 months financing. Again, I opted for the longer period of payment terms, knowing I would pay it off. Now, here we are in XX/XX/2024 and I am paying more on the credit card then the minimum payment in my efforts to get it paid off quickly and I noticed {$38.00} interest charged. I immediately called customer service and questioned the charge and they told me that the promotional only applies to BestBuy purchases. I explained that this was not explained to me and it was even encouraged to have more spending power outside of BestBuy. This is deceptive practice and they are clearly taking advantage of customers to gain interest payments. I want my money returned and I will stop using the card immediately.
Product: Mortgage

RoundPoint Mortgage Servicing Corp was servicing my mortgage for my condo. In XX/XX/XXXX they decided that I needed to have an Escrow account set up by them and a they also set up forced hazard insurance, even though I already had hazard insurance through my association. Beginning XX/XX/XXXX they billed me for an addition $ XXXX/month on top of my mortgage. I chose to refinance and get rid of them because they were not working with me and after having shown them proof of Hazard insurance they still wanted to force their policy on me. At the time of the refinance they set up an overdraft on my account and paid themselves {$2900.00} for the force placed insurance. I have received " Notice of Forced Placed Insurance Cancellation '' from RoundPoint, stating that " there was no lapse in coverage '', and a statement saying that " the full reimbursement for the force placed policy will be credited to your account ''. The overdraft was debited back in XXXX, I have called Roundpoint and asked for my money back and they have no response for where the money they took went. On XXXX XXXX, I called their customer service department for a fourth time and spoke to a supervisor named XXXX ( ID : XXXX ) and he said he would call me the next day with a response. I called exactly a week later to ask why he did not call and to ask if they had found the money. This time he refused to talk to me and said it was being " researched ''. I have felt manipulated, lied to and stolen from by this company.
Product: Debt collection

Gla collection showed on my credit the XX/XX/XXXX opened XX/XX/XXXX of this year for unpaid medical expenses I checked with my insurance and I know definitely I wasn't in Kentucky last year they have an address in XXXX ky And number I have never had So I was never notified about this till it affected my credit I have yet to receive any kind of receipt for this and they haven't given me the account number
Product: Payday loan, title loan, or personal loan

I received a contract from XXXX to get a personal loan for XXXX. I gave them my bank ingormation ( Navy Federal Credit Union ) to transfer funds, they wanted to see if my account was in good standards so they sent XXXX in which i was told and have witnesses with me to take money out an send it back by going to XXXX XXXX an purchasing {$490.00} worth of XXXX XXXX cards to send money back. I never received my XXXX. I was calledXX/XX/XXXX by Navy Federal saying my account was compromised by a scammer an that the company made a fraudulent claim to take back my own money from bills i had already payed starting from the XX/XX/XXXX  When i was told on a recorded line from Navy Federal about the activity i told them everything even tried to send the contract off my gmail, he told me they would take care of everything but couldn't receive the funds back. Now today XX/XX/XXXX im getting emails from my lightbill company saying my electricity check for the XX/XX/XXXX has been returned leaving us in the dark an now there is a negative balance in my checking account from Navy Federal saying I owe this money back to them on the XX/XX/XXXXt but was never told to me while i was on the phone the first time that i would have to pay this money back. Im losing both ways an i feel attacked, stupid, and vulnerable at the moment because i needed help with school supplies an clothes for my children. Why wasnt i told at first time talking to fraudulent people fro Navy Federal about this nor giving information on what the scammers took from me. The scammer or XXXX XXXX XXXX phone number is XXXX. Please help me get some better understanding on how this work i talked to people from the bank stating they cant do anymore to help me they wont even do a further i investigation which is why so many of us in the military commit XXXX or dont want to be apart of this country we serve because we put our lives on the line for everyone an cant even get any protection, help or understanding from our fellow people that say they're here to help. Please help me understand why an yes i know i made a XXXX up decision trusting this company but losing twice really hurts my whole family. If theres anything you can do please let me know. My name is XXXX XXXX phone XXXX
Product: Credit reporting or other personal consumer reports

I sent a dispute to all XXXX Credit reporting agencies ( Experian, XXXX, XXXX ) saying my personal information listed on their reports were wrong. The did not update any of the information. The only correct information that any of the XXXX agencies had been : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX All other information listed was incorrect or not accurate and I wish to have them deleted : All other Names All other Addresses Employers Mother 's Maiden Name The only information that was accurate is what I stated above.
Product: Debt collection

Dear Sir/Madam, I am writing in response to your recent correspondence regarding the debt that you claim I owe. I am requesting that you provide me with validation of this debt. as required under the Fair Debt Collection Practices Act. 
Specifically, I am requesting that you provide me with the following information : 1. The amount of the debt that you claim I owe.

2. The name of the original creditor to whom the debt was owed.

3. The date on which the debt was incurred.

4. Proof that you are authorized to collect this debt. 
I would also like to request that you provide me with copies of any documentation related to this debt, including but not limited to account statements, billing statements, and any contracts or agreements related to the debt. Please note that I am not acknowledging that I owe this debt. I am simply requesting that you provide me with verification of the debt, as required by law. 
I would appreciate your prompt response to this request. Please note that if you are unable to provide me with the requested information, I will consider the debt to be invalid and will take appropriate action to protect my rights as a consumer. 
Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states that I have the right to privacy 15 usc 1681 section 604 a section 2 states it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 uscs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

When using XXXX to access my free Experian report, their website produces an unidentified exception and tells me to mail in a demand form. This happens every time I've tried to produce a free report over the past four years.
Product: Money transfer, virtual currency, or money service

I wrote a check of {$900.00} to another person. After she tried to deposit the check to Citibank, her account was closed immediately and Citibank refused to give her the fund of the check. The money was already deducted from my bank, XXXX. And there is nothing I can do on the XXXX side to claim the fund back. 
The payee tried to contact Citibank multiple times, in-person and over the phone since XX/XX/year>. Each time Citibank refused to give her the fund, claiming due to name difference. On the other hand, Citibank also refused to return the fund to my account.
Product: Debt collection

Received toll violation fees in the mail naming me through an incorrect send address from The Port Authority of NY & NJ. They claimed that I violated their toll plaza and I must pay the balance. In response, I sent a dispute form claiming that vehicle displayed on the violation was not mine. Thereafter they sold the to debt collectors named AllianceOne. This collection company has been persistent in attempt to have me pay a falsely misrepresented debt.
Product: Student loan

I consolidated all of my student loans to XXXX XX/XX/2015. Several months later, I noticed while checking my credit report that I had a 60 day late payment on a student loan through XXXX / Navient. I contacted XXXX to notify them that I had never received any communication stating that I owed a payment and that my loan had been consolidated with another lender. They acknowledged the consolidation but refused to remove the late payment from my XXXX credit bureau reports. The credit reports clearly show that there is no data from the month of the late payment, XX/XX/2015, forward. I am requesting that this late payment be removed form all XXXX credit reporting agencies as I had no knowledge of owing any remaining balance.
Product: Credit card

I demand that WF/XXXX  complies with the Fair Credit Reporting Act and delete the referenced account from all of my consumer reports. Pursuant to section 623 of the act, it states that once a data furnisher receives a dispute from a consumer that specifies what they are disputing, explains the basis of the dispute and supply supporting documents, the data furnisher MUST either modify the item of information or delete it. I am demanding that it is deleted as it is inaccurate, incomplete and unverifiable. Please see attached exhibit ). Pursuant to 623 ( b ) ( 1 ) ( D ) and subparagraph ( E ) ( ii ) the data furnisher ( wf/XXXX  ) MUST remove the item of information from all consumer reports. If this does not get resolved promptly, I will seek legal action for FCRA violations.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, XX/XX/XXXX, Transactions considered fraud XXXX lead to believe her. 
XXXX XXXX
Product: Checking or savings account

On XXXX  XX/XX/XXXX approximately XXXX XXXX went to the XXXX XXXX located at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX they have a citizens bank location which was closed. The XXXX machine I was try to make a cash deposit which I have done XXXX times. I put card in pin. Told me insert bills XXXX asked if I wanted receipt ( yes ) then screen said it was returning my deposit waiting waiting XXXX dollars waiting waiting NOTHING. Error message on screen done. I immediately called customer service they filed claim. I also called the branch at XXXX XXXX the next XXXX this is horrible as Im still waiting. Those machines have cameras they no my pin entered. I want my money returned