23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I had an XXXX request from Bank of America that the XXXX sued and they said to send a bill break down of payments for more than XXXX dollers of a bill breakdown of me not having access to my prepaid debit card for XX/XX/2022 until XX/XX/2022 I made a dispute and I still have not received the money off of my card due to my name being corrected and me not having access because of them requesting my identification to receive funds off of my card I sent a child support bill break down of me not having access to my card and I got hurt at a job from XX/XX/2022 got XXXX benefits and it stopped due to the name being corrected the same way I couldn't receive any money due to BofA to make a finalized decision about me not receiving my money for that time period for XXXX dollers or more I still disputed transactions with the bofa around the time when bofa asked me for identification telling me I'm not XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm " XXXX XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that requires to UPDATE. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. The following accounts should be corrected on my file : XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$23000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1000.00}.
Product: Checking or savings account

Wells Fargo denied my access to using a debit card due to disputes but all of these disputes were valid and a bunch of random overdraft fees and incorrect credits to my account and random amount being taken out
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on new regulations for medical bills under {$500.00}, I have one company in particular which even after dispute credit reporting still continues on several medical bills below {$500.00}. The credit XXXX XXXX XXXX, XXXX XXXX and XXXX are not removing them. 

Plusfour inc. Is the company that Ive seen that has not removed the credit reporting for medical bills under {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The three main credit bureaus do not have accurate information on my credit reports. 
They are impossible to reach either though their individual sites as well as the contact numbers they provide. 

Due to their inaccurate information, my FICO scores are not only below that they should be, the decline with no specific information given by the credit bureaus. 

Two issues that they have incorrect is they show I have no installment loan and according to their models, this hurts my credit score. If fact, I do have an auto loan that they showed all of last year but for some reason fail to show it now. 

They also show a debit balance on my credit card that has impacted my score by 18 basis points. When in fact, I have a credit balance. It appears they looked at the credit balance as a debit balance. 

My FICO scores should be much better than they are reporting. I track them and the information provided several times a month. 

I often receive a notice that their sites are down and when calling their contact numbers only get into a calling tree that does not allow me to reach a representative. 

Thus my scores are now so low I am not able to gain a favorable mortgage rate. 

I've been frustrated with these " for profit '' credit bureaus as long as I can remember. 

Any assistance would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXXXXXX XXXX  # XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

COLUMBIA DEBT RECOVERY Account Number : XXXX******************* Date Opened : XXXX Balance : {$20000.00} This account is not mine. I am a victim of Identity Theft, i've submitted multiple forms of documentation to support the fact that I have no relation to this collection account. I've disputed this fraudlent account with XXXX, XXXX, XXXX and columbia debt recovery ( genesis cred ) .I 've sent in police reports, utility bills, and bank statements verifying that i've never lived or resided at XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX. I also researched XXXX XXXX XXXX  which is the company that reported this debt and nothing came up when i searched for THIS COMPANY.
Product: Mortgage

On XX/XX/year>2023, I closed on my home with XXXX XX/XX/XXXX Initially, I was informed that my monthly mortgage payment would be approximately {$1800.00} and that I wouldnt be responsible for closing costs. However, when I inquired about the absence of closing costs, my loan originator, XXXX XXXX, explained that no closing costs were required and that seller credits and other factors had put me in a favorable financial position. 

I later discovered that my closing costs were actually tied into a second mortgage. This was confusing because I had the funds available to pay the closing costs upfront and was never informed that they would be structured this way. 

My loan was eventually transferred to XXXXXX/XX/XXXX, and I was later informed that my loan originator may not have allocated enough funds to my escrow account. As a result, when my property taxes and insurance payments came due, my escrow account was overdrawn. Not only did this lead to a significant increase in my mortgage payment from approximately {$1800.00} to {$2400.00}, but I also had to continue to pay the second mortgage.
Product: Credit reporting or other personal consumer reports

I am disputing an inquiry made by Banco Popular on XX/XX/year>, that appears on my credit report. I did not authorize this inquiry, and there is no record of my consent for this action. I have reached out to Banco Popular to provide any documentation proving that I authorized this inquiry, but I have not received any response or evidence supporting their claim. This unauthorized inquiry is negatively impacting my credit score, and I request that it be removed immediately from my credit report.

Please investigate this matter and take the necessary steps to correct my credit report by removing this unauthorized inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$2300.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received my recent credit report and the follo0wing hard inquiries have pulled my credit report without my consent or authorization I have tried to contact the below consumers and have not received an response or removal of fraud information from my report. 

unknown and nonconsent company credit pull : Capital OneXXXX XXXX XXXX XXXX Capital One Auto FinXXXX
Product: Debt collection

Subject : Red Light Camera Citations and Improper Collection Practices During State of Emergency To Whom It May Concern, I am writing to formally complain about the handling of red light camera citations and collection practices by the City of XXXX, XXXX XXXX XXXX XXXX XXXX and its associated collection agency : Linebarger Goggan Blair & Sampson, LLP XXXX XXXX, a red light citation issued to me but NOT was not mailed to me. As a result, I only recently discovered that my drivers license had been suspended. On Tuesday, XX/XX/XXXX, I paid over {$1300.00} in fines, {$260.00} in reinstatement fees, and an additional {$300.00} to renew my drivers license, tag, and registrationtotaling nearly {$2000.00}. Regardless of the cost, as a single mom I ensured that all matters were taken care of prior to the storms arrival. Working odd jobs in addition to my full time job, cutting corners and counting coins. I narrowly avoided being without a license during the storm, running to the DMV 24 hours prior to the all county office closures. 

During hurricane Helene, my family and I lost power several times and had to send out distress signals to FEMA. It was a terrifying situation for everyone, including my XXXX To make matters worse, XXXX XXXX XXXX, before the storm even left the city, I received a voicemail from Linebarger Goggan Blair & Sampson , LLP , a collection agency, claiming I owed an additional {$800.00} in citations and demanding immediate payment. I had already resolved these issues, as confirmed by the Florida Department of Highway Safety and Motor Vehicles ( FLHSMV ), which provided me with a letter of clearance allowing me to drive without restrictions. 

When I informed Linebarger of this, they insisted I submit proof, even though the burden of proof should fall on them as the collection agency. Their threats included suspending my license again, which would have criminalized any evacuation efforts during a state of emergency. This behavior is highly improper, especially during such a critical time. 

I feel completely taken advantage of by both the county and their collection agency, which tried to extort an additional {$800.00} from me after I had already paid my dues. This is not just poor service ; its predatory and unethical, particularly during a time of crisis. 

Unfortunately, the City Of XXXX XXXX continue to criminalize disenfranchised communities with red light cameras. XXXX Police Department will file traffic citations with the court instead of mailing the option of paying the lesser civil fines {$100.00}. XXXX XXXX clerk of courts will continue to use Lineberger as a collection agency. Individuals without proper guidance will fall for these intimidation tactics. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern Upon inspection of my credit report I noticed the following personal information is incorrect. 
Please remove the following addresses ; XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NV XXXX from my credit report # XXXX. 
Those are not my current address. Any previous addresses are undeliverable and i have no access to them. Attached is a copy of Government issued vital record and Utility bill. 

I sent a certified letter to Experian updating my address and they refused to remove XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Unauthorized Accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) According to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are suppose to 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: Debt collection

On XX/XX/XXXX, I entered into an agreement with XXXX XXXX XXXX  to finance my aligner treatment, with payments made to XXXX XXXX XXXX. The contract states " On this date of XXXX valuable consideration received, the undersigned Buyer and/or Co-Buyer ( hereinafter collectively referred to as Buyer ), jointly and severally unconditionally promise ( s ) to pay for services provided by XXXX ( XXXX ) on behalf of its affiliates the sum of $ XXXX plus a finance charge at an annual rate of XXXX %. Payments are made to XXXX XXXX XXXX, XXXX ( XXXX ) as payment processor for XXXX. Your payment will appear on your statement as XXXX. '' From that point up until XXXX of XXXX, I was current on my monthly payments of {$84.00}. In XXXX of XXXX, I began having issues with my aligners ; they were not fitting correctly. I had to go get my teeth re-scanned to make a new set up aligners. At a certain point the new set also began not fitting. I requested a to get rescanned, but SDC refused to pay for the new scan because I didn't pay for the final product ( the retainer ) at a certain time. I tried explaining that it made no sense to pay for a retainer that was based on a teeth scan destined to not fit, and that ultimately I would have to get rescanned anyway. They said it I had to have paid for this retainer in order to remain under warranty for a rescan anyway. This back and forth was in the beginning of XXXX. In XXXX, when I was planning to go into the XXXX office to get scanned ( which is the only location within a XXXX miler radius in XXXX ) I found out it closed down. I lost hope and stopped making payments, and in XX/XX/XXXX I received my first notice from XXXX XXXX XXXX ( XXXX ) that I missed a payment. Then I got notice that XXXX  file for XXXX XXXXXXXX bankruptcy in XX/XX/XXXX. Every one and a while I would get emails from XXXX saying I was passed due, and I assumed that since XXXX was no longer able to fulfill their end of the contract, that I didn't need to continue paying. In the last few months, I have gotten calls from an agency called Tek- Collect saying I still owed money. I tried explaining to the rep that XXXX filed for bankruptcy and hasn't been able to fulfill their end of the contract. He said I was still responsible. Now they have reported the debt to the credit bureaus and my score was dinged XXXX points. I have attached my contract with XXXX XXXX XXXX, and a screenshot of my statement summary with XXXX ( before I stopped making payments ).
Product: Debt collection

This company is violating my consumer by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is the only agency furnishing an account by XXXX XXXX XXXX XXXX on my consumer report that has a status as derogatory.
Product: Mortgage

I closed a HELOC account with PNC Bank. Paid them off on XX/XX/2020. Formally closed the account on XX/XX/2020 but at the close of XX/XX/20 I have still not received a refund of over payment. Have made several calls to the PNC customer service. The have deliberately made the process very confusing and non-transparent so as to delay making refunds on over payments. 
When the other company I financed thru made them a closing payment they closed my borrowing limit and made itXX/XX/XXXX effectively closing my account. There were no instructions on the account page or a message to me informing that I have to formally close the account before a refund will be issued. 
Called them several times before I got this direction and even after closing it on XXXX XXXX have not received the refund of over payment. 

I find this very frustrating and a very dishonest practice by PNC Bank to hold customers money for 8-10 weeks without paying any interest. 

And during this time of financial difficulty when my wife was laid off not receiving a refund of overpayment which is {$3100.00} is very troubling to me. 

Will appreciate your help in getting me some answers from this bank.
Product: Credit card

I started receiving statements from Chase Card Services that my account was past due. I called the company and asked them what this card was for and I never opened a card with Chase. I do not know the card number other than it ends in XXXX  They are now saying the account is suspended but I need to make payment. I have never received any statements regarding the card.
Product: Credit reporting or other personal consumer reports

EXPERIAN IDENTITY THEFT INSURANCE IS NOT OPERATING IN THE MANNER OF TERMS PROVIDED BY THE TERMS IN THE EVENT OF A IDENTITY THEFT EVENT. I have been paying for this service since XXXX. I have never filed a claim before, this is the first experience. I MUST SAY THIS HAS TO BE THE MOST NON COMMUNICATION EVER TO EXPERIENCE WITH SUCH A BRUTAL CASE OF IDENTITY THEFT. EXPERIAN CLAIMS TO OFFER CUSTOMER SUPPORT AND GUIDANCE TO HELP VICTIMS RESTORE THEIR IDENTITY AND SUPPORT IN THIS PROCESS. Well this is certainly UNTRUE AND IS A TOTAL RIPOFF AND SOME CASES I HAVE BEEN BILLED TWICE IN THE same month. This happened over a year ago, however I had one representative named XXXX who attempted to contact me but I cant help but assume that this contact was to document the attempt. I would receive an email from XXXX after XXXX. That I couldnt be reached and to call back. WELL CALLED BACK NUMEROUS TIMES TO NEVER GET A PERSON AT EXPERIAN TO HELP ME. Also, I sent in my claim form for identity theft to consumerinfo, who is AIG and I have not heard anything but a receipt confirming the documents were received. I thought maybe a week into this I would have a point of contact but still nothing. I am overwhelmed and need guidance on how to file my claim appropriately. I do have a challenge with the way I organize the documents as it is extremely difficult to do alone. I barely can keep up because of the aggressive nature of my identity being abused. Being included in every cyber attack and EVERY SINGLE DATA BREACH IS A HUGE UNREPAIRABLE EVENT TO Experience. ALSO WHEN CALLING EXPERIAN WITH HOPES OF GETTING THE ASSISTANCE AS THE TERMS AND CONDITIONS WRITTEN. Instead their ( EXPERIAN ) representatives start asking do you want to cancel provoking questions to get the victim to cancel without ever intending to honor the contract they are claiming to provide for paying {$24.00} monthly. ALSO, I contacted EXPERIAN TO WARN THEM TO STOP ASSOCIATING A VEHICLE I NEVER OWNED WITH THEIR INSURANCE APP AND TO REMOVE THE PHONE NUMBER XXXX. They still have this number attached to my EXPERIAN account when this number was hijacked from in XXXX. TELL EXPERIAN I NEVER OWNED OR EVEN TAKEN A RIDE IN ANY XXXX XXXX
Product: Credit card

I received a billing statement for my Visa Signature Cash Rewards credit card with Navy Federal Credit Union, account # XXXX Which is Due XX/XX/year>. While viewing the list of my consumer credit transactions I noticed a billing error. I contacted Navy Federal Credit Union and sent a notice of billing error dispute to Navy Federal, which they did receive { Tracking Number Navy Federal Credit Union failed to credit my account properly. I was billed { {$29000.00} } and my Available credit showed { {$0.00} } when In reality I should have { {$29000.00} } of available credit and a Balance of { {$0.00} } Navy Federal Credit Union being the Creditor failed proper treatment of my credit balance and this is clearly explained Pursuant to 15 USC 1666d Whenever a credit balance in excess of { {$1.00} } is created in connection with a consumer credit transaction through ( XXXX ) transmittal of funds to a creditor in excess of the total balance due on an account, ( XXXX ) rebates of unearned finance charges or insurance premiums, or ( XXXX ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 
The balance of { {$29000.00} } on my account is evidence that Navy Federal Credit Union has not took the necessary steps to offset the balance from consumer credit transactions on this card as listed in 15 U.S. Code 1666d.