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

Disputed a XXXX  with Experian in XX/XX/2021. Experian states remains and the furnisher of information is XXXX XXXX. I have my consumer report that shows XXXX  were removed in XX/XX/2021 and XX/XX/2021. I disputed again with Experian in XX/XX/2021 and uploaded all paperwork from XXXX XXXX showing removals of XXXX XXXX  and copies of my consumer report from XXXX XXXX showing no Bankruptcy 's. Experian again states XXXX XXXX remains and the furnisher of information was XXXX XXXX.
Product: Mortgage

I was inquiring with Quicken Loans on XX/XX/XXXX as to the current mortgage rates available. They asked for my and my wife 's social security numbers, but I refused to provide it to them. They did ask some questions that they indicated that were for identification purposes only. At no time did they indicate they were going to access my credit. At no time did they ask for permission to access my credit. I did not provide the information needed to access by credit. However, shortly after the conversation, through credit monitoring services, I was informed that a hard inquiry had occurred to my credit by XXXX XXXX. I reached out to XXXX XXXX about XX/XX/XXXX to dispute the inquiry and they indicated that it has been initiated by Quicken Loans. On XX/XX/XXXX Quicken Loans ( XXXX XXXX ) responded to XXXX XXXX indicating Quicken Loans needed to access my credit data. I can only guess that they used older information ( XX/XX/XXXX ) when I was looking at loan options and gave them permission to access my credit. On XX/XX/XXXX I filed a police report with the XXXX County Sheriff ( cr XXXX ) and provided it to XXXX XXXX. On XXXX I spoke to Quicken Loans ( XXXX XXXX ) who indicated she listened to recording of the conversation twice and determined that the access was authorized. On XX/XX/XXXX I filed a complaint with XXXX XXXX asking for Quicken Loans to jointly listen to the recording that Quicken Loans ( XXXX XXXX ) indicated she had listened to twice for my authorization for credit access or to remove the unauthorized inquiry from my credit. Her response to XXXX XXXX was basically that a credit inquiry would not have a big impact to my credit and they felt I had authorized them to access my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always made ontime payments and never been late yet Homebridge Financial reported me as being 90 days late. I have never paid late and am on a forbearance plan and though they apologized and promised to get it off my record, they still have not done so.
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

This is my 7th 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 XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3400.00} LXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$27.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, PR XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX
Product: Debt collection

I owe a past debt and it was forwarded to Capital Recovery Systems, XXXX in XXXX, MA. I called the company the other day and first thought it was curious I got the personal voice message of a woman named " XXXX '' who said she is from " DMI '' and " XXXX ''. I asked for a call back which I did receive and asked for update from the gentleman on the repayment amount and to inform I would be paying via personal check. The rep on the phone asked for my debit or credit card number and advised they do n't handle " paper '' transactions any longer. I advised I did not want to recite my credit or debit card numbers during an unsecured process and transaction but he insisted. I again insisted I would mail a check but he said they would not accept it. I needed time to think about all this so said I would call back when I was in fact ready to set up payment but I am in fact NOT ready and I am glad I waited and gave this some thought. No one should be coerced or forced into reciting their debit or credit card numbers over the phone to an officially unidentified company. Also, this company has never indicated anywhere in writing that they will not accept paper checks. So in my mind they can not enforce this. Also, on the internet there is notation that the company is permanently closed. I have no idea what is going on with this but I need to make payment but now can not and I refuse to under these circumstances. This company, XXXX needs to be investigated. The phone numbers associated are : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX - signed up for pay over time ( SCAM ) Nothing was sent to us regarding the terms and conditions XX/XX/XXXX we got a bill for {$1800.00} I requested to speak to XXXX XXXX from day one to explain the pay over time feature.

Spoke to many representatives that gave our misleading information.

XX/XX/XXXX still no resolution, they prolonged the account to go past 60 days due.

They stopped all terms of communication and no resolution reached.
Product: Debt collection

I lived in an apartment for many years, and when I was nearing the end of my lease in XXXX of XXXX, the apartment next door to mine had a fire suppression system burst due to freezing temperatures, which caused lots of water to enter into my apartment and damaged most of my furniture. I was able to stay in another location that was an hour away because there was mold present and I am a XXXX XXXX XXXX  and could not live in those conditions, so I had to extend the lease on a month to month basis, for just one more month, which I signed an agreement with the landlord stating I would have all my things out and would no longer vacate that apartment by XX/XX/XXXX. I moved out on XX/XX/XXXX which was a Sunday and was all done with having my things out, by XXXX. The office was not open anyway on Sunday and it was already after hours if they had been, so what I did, was put the keys for the front door, mailbox key and garage door opener on the island and took a photo of the keys and where they were left. The landlord had to do repairs to the unit anyway, so I knew that maintenance would most likely get the keys and give them to the office so that I wouldnt need to drive over an hour to drop keys off. I assumed everything was fine and I wouldnt have to owe any money, since I had months go by without being sent anything in the mail or email, but then one day I get a letter in the mail from National Credit Systems stating I owe over {$1600.00} for the last month for XXXX that I was at my apartment and I moved out after that. I called them right away and told them the debt was not a valid debt and I had supporting documentation to show I wasnt there after XX/XX/XXXX. The photos I submitted to National Credit Systems were timestamped and had a location to show that I was there and what day it was ; I also submitted the contract/agreement between the landlord and I which had been filled out and the landlord had on file stating the day I was to be out by XX/XX/XXXX. I have disputed this debt with the credit bureau and have been told their investigation came back as a valid debt, but the landlord has not provided any disputing documentation to show that I wasnt there any longer than when I have stated I was and what they are saying I owe for. Its not okay that they have been able to do this to me and I am not able to get a company XXXX XXXX card with my employer because of this debt which I really dont owe.
Product: Debt collection

In XX/XX/XXXX, I reviewed my credit report and became aware of medical collections. To my knowledge, I have not failed to pay any medical bill. I have lived at the same address for XXXX years. I sent a debt validation letter to : TeleRecovery XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX regarding this account listed on my credit report : Original : Medical Balance : {$320.00} Opened : XX/XX/XXXX I have given their office 30 days to respond to the validation letter. They have failed to respond. I am attaching the XXXX that was sent to them on XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2023 someone opened a line of credit for {$4000.00} in my name and has already used {$3500.00}. It was approved through citizens XXXX of credit. Through one citizens bank way. I am not the one who applied for this. I have called the company and filed a complaint I have also spoke with the XXXX XXXX XXXX and filed a complaint.
Product: Checking or savings account

On XX/XX/2023 {$5100.00} was used from my debit card that i did not authorize. Upon realizing that my card was missing and all my information was hacked i called wells fargo and changed all of my banking information and changed all the information within my phone. Wells fargo has denied the claim because a chip and pin was used but i already told them when they called to get more information that i did not share my information with anyone and it was compromised. They then claimed to have called XXXX and said that XXXX stated XXXX are hard to hack into. Which is also false, they also said get proof from the merchant and they will open it again, i tried and have nothing. They said stated that i deposited the money the day before which i did so i can pay my bills, which has nothing to do with my now missing money. I took all the necessary steps and still no help from wells fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on XX/XX/XXXX that XXXX XXXX XXXX was reporting account XXXX on my Equifax report. Also, I checked XXXX and XXXX and noticed XXXX XXXX is reporting to these two bureaus as well. I NEVER received any noticed prior to them placing this debt on my report for XXXX XXXX so I could have disputed this debt, which is a violation of my FCRA rights. The collection agency has re-aged this account to a date of XX/XX/XXXX. However, according to the original creditors date of first delinquency this is INACCURATE. I'm requesting that all three credit bureaus delete this account immediately. I have tried to have this rectified through disputing but XXXX and the CRA 's fraudulent verify this information is accurate. 

In addition, XXXX XXXX is reporting an INCORRECT balance that is different from the charge off amount of the Original Creditor. 
This have caused harm to my reputation and prevented me from obtaining a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX : # XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crime which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Pursuant to 15 U.S.C. 1692 ( G ) section 809 ( B ) I humbly request your agency sends proof of validation made pursuant to the FDCPA laws, please provide the amount claimed owed, an explanation showing me how you have computed the amount. Copies of any documents that prove I agreed to pay the alleged amount. The identity of the original creditor, and confirmation that the account has not crossed the statue of limitations ( SOL ) period. I would like to inform that the agency has reported invalidated account information, it will be regarded as fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency you represent, then I will be compelled to take legal steps against your agency for the reasons mentioned. Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A. Defamation of character *Use of my copyrighted property. I will need a minimum of 14 days to investigate this information.
Product: Credit card

On XXXX XXXX I Chase Sapphire card and I was reading the details but could not find the answer to a specific question that I wanted. Trusting their customer service personnel would provide me with the correct information I called them. They told me that the XXXX dollar travel credit offered with the card renewed based on calendar year. Since it was near the end of the year he explained it would be advantageous for me to sign up. I signed up because I was told I would get a XXXX credit for XXXX and a XXXX credit XXXX. After signing up and following all instructions I contacted them to inquire about the XXXX credit statement and was informed that I am only allowed the XXXX credit for XXXX because it renewed based on billing cycle. They proceed to explain it was my fault for simply trusting their employee and not validating it with the terms and conditions. The submitted a work case to review the recorded phone call. 1 week later a manager named XXXX on XXXX XXXX XXXX at XXXX central time called me. She informed me that she had validated the employee did in fact tell me the wrong information but I would not be provided the XXXX travel credit for XXXX. Chase deliberately misinformed me to get me to sign up, and then refused to honor what they offered.
Product: Debt collection

I traveled overseas during 2019 for a period of 10 days. Upon return, XXXX/XXXX  XXXX charged my account {$360.00} for " roaming charges '' that were allegedly accrued during my trip. Knowing that there was a charge for this, my phone was on wi-fi only for the entirety of the trip. I pointed this out to the carrier and they said I must be mistaken, and that the charges are owed. Having not received service while i was overseas, i contested this with the XXXX. I also requested that they remove my credit card from auto pay as they repeatedly tried to draw the amount on a weekly basis. I eventually had to place a block on their efforts, cancel my account and switch carriers. To date they have still not acknowledged these predatory tactics nor tried to correct their erroneous charges. I have now been sent to collections for services not rendered.
Product: Checking or savings account

I was banking with usaa when my checking account was hacked. The hackers made bad check deposits and requested official checks with guaranteed funds from what I can gather. They also sent my wife a XXXX  for {$1000.00}. 

I told usaa about this issues within 1 hour of the attack on my account. They launched investigation and within days decided to end our banking account with them. 

They've continually hung up on me when I try to get answers on why I can't change my payment amount on my usaa life insurance. 

All in all I've lost over {$2500.00} because of this
Product: Checking or savings account

Today XX/XX/24 I attempted to purchase a MONTHLY {XXXX} fresh pass grocery delivery subscription for my customer # XXXX, when XXXX store charged TWO {XXXX} annual subscriptions without my authorization, total {XXXX}. This bank denied me details required to deny charges, thereby proving a bias relationship with the company, which then fraudulently back dated subscription to XX/XX/24, then monthly XX/XX/24 to create false bookkeeping of a phony later downgrade. My bank statements prove the only charges were annual, dated XX/XX/24. This is consumer fraud. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I found seven accounts reporting inaccurate information on my credit report. On XX/XX/XXXX, I wrote and mailed a letter to XXXX, Experian, and XXXX XXXX ; asking them to correct the seven errors. Well over 30 days have passed, and I have yet to receive a response from any of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a freeze on all three credit bureaus and yet I checked my credit and I have another fraudulent account on my credit report XXXX XXXX I have no knowledge of this account and also confused of how it is on my reoport when I have a freeze on all XXXX credit bureaus
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX 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 XXXXXXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is one of 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX XXXXXXXX XXXX. Please remove this account immediately.
Product: Credit reporting

I have sent certified mail four times to Experian ... I 've been disputing UNVERIFIED accounts on my credit report. I 've followed their protocol request to contact creditors per my phone conversation with Experian dispute department on all unverified creditors. Every creditor have advised me that they do n't and will not contact credit bureaus under any circumstances ... They only give information once bureau requests info from them. If this is the case why Is n't the requested information I 've been requesting honored ... This inaccurate/derrogatory information is sincerely hindering my ability to refinance my properties which ballon payments are coming due in XX/XX/2017. I 've been fighting with Experian since XXXX of this year 2017. They 've not addressed any/all the derrogatory information in my credit report as of XX/XX/2017. I 'm requesting assistance in this delicate situation. Thanks.
Product: Checking or savings account

I had my payroll checks deposited into my checking account, went to get money from my paycheck which was just direct deposited and they said that the money was on hold for a debt. I said they cant take 100 % of your paycheck for a debt and they said yes they could. This was in XX/XX/2015. There was only one ever successful small claims, it was to pay XXXX   XXXX XXXX for 350 credit limit which they charged me over a XXXX for but they are still trying to garnish my wages so Wells Fargo never paid them that money and there is no account of my money going elsewhere, so can I have all my illegally taken money please? I lost my job because i didnt have any money for gas and I had to pay short term loan interest rates for the next year and im still paying for debt created by them stealing and losing my money, closing my account and Losing any record of where they put all my paychecks
Product: Bank account or service

I filed Chapter XXXX in XXXX XXXX, and my case was discharged on XXXX XXXX, XXXX. TD Bank XXXX was included in my Chaper XXXX and was paid in full by the Trustee for my car loan. I called TD Bank on XXXX XXXX, XXXX to have my car title released to me. I spoke with numerous customer service reps. who assured me that it will sent to me. I finally received it in XXXX XXXX. I have been trying to get incorrect information on my credit report removed since XXXX XXXX, XXXX. TD Bank XXXX is reporting that I have been 30 days late for XXXX and XXXX XXXX. I have been working with XXXX in the Bankruptcy Department since XXXX XXXX, XXXX to get this corrected. She was able to get my title finally sent to me in XXXX XXXX. I have not been able to have these false late payments removed as of yet. Per TD Bank XXXX, they have 30 days to remove this information. Thirty days have now passed and I am being told that they have corrected the information in my credit file and to just wait. I have called XXXX, pulled my credit report and to date the corrections have not been made. They also had another account on my credit report and removed it in two days because I only had XXXX account with them. This too was a mistake they made, but corrected it in a timely manner. I was not discharged until XXXX XXXX, XXXX and can not be reported late for XXXX, XXXX XXXX. They have explained that this is indeed their mistake, but have yet to correct it within 30 days. My patience has been exhausted and I was told to call a week from XXXX XXXX, XXXX and they will look into it. XXXX XXXX would be a week past the 30 days in which I was told it would all be cleared up. Thank you for your time.