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

XXXX XXXX XXXX is incorrectly reporting to XXXX ; XXXX and Transunion two ( 2 ) collection accounts. The first collection is for {$87.00} partial account number XXXX ; and the second collection is for {$130.00} on partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) I have insurance, please see copy of attached insurance card, however XXXX XXXX XXXX never billed the insurance company and because of this error on their part, these accounts were never paid and consequently these accounts were sent to collections. I do not owe the {$87.00} collection nor do I owe the {$130.00} collection. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Mortgage

My mortgage was sold from XXXX XXXX to Carrington Mortgage. First off Carrington imposed their own insurance when I already had mortgage insurance with XXXX XXXX, had for years. All documentation was sent to Carrington as proof of insurance. The imposed insurance created a shortage in escrow. When Carrington added my insurance they added it twice thus charging me twice for coverage and increasing my monthly payment by {$340.00}. Have called many times and try to resolve the issue. They have accepted they made a mistake when adding the insurance to escrow account, however, they refuse to run a new escrow analysis to adjust the payment. They said they would spread the amount over 36 months to bring my monthly payment down, money I have to pay for their error, they failed to do that as well. I have called 7 different times to resolve this issue and there is no resolution. Once the customer service representative just said you have a good day and ended the call. I do not know what else to do or if and what rights do I have, is my only option to loose my house or keep paying the raised amount?
Product: Checking or savings account

On saturday XX/XX/XXXX my bank card was stolen out of my wallet in my XXXX XXXXXXXX. My card was then used at XXXX different liquor stores. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$270.00}. When i got home and realized that my card was gone i instantly tried to cancel my card. While i was doing that Citizens fraud department texted me to say that their was suspicious activity on my card. I immediately called the fraud department and explained what happened. The person on the phone filled out a claim report and we went through all the charges on my bank account. While we were on the phone the person or persons tried to use it at a XXXX liquor store, but the person on the phone told me it was denied because they had already shut the card down. On XX/XX/XXXX i called the fraud department to see what was going on with the claim and i was told that the claim was denied. The only explanation i got was they didn't think it was fraud. I then filed a second claim and have not received any information as of today. When i did call about the second claim the person on the phone said they couldn't find anything on the second claim. This leads me to believe they didn't even file this second claim.
Product: Credit reporting or other personal consumer reports

To Whom It Mav Concern.

I have recently reviewed my credit report and noticed vou have assigned the above referenced account to a third party debt collector. Since you are an organization covered under the HIPAA Privacy Rule ( and I do not recall giving you permission to release my medical information to any third party, provide me the following : A certified copy of an original contract, showing my signature, specifically authorizing the release of my medical information to a third party.

As you know, the Health Insurance Portability Act of 1996 ( HIPAA ) protects my privacy and medical information from unauthorized disclosure. Any violations of the Privacy Rule are investigated by the Office for Civil Rights ( OCR ) of the U.S. Department of Health and Human Services. If you released my medical information in eiror, and this matter Is cOITected within 30 days, there will be no reasonable cause for me to file a complaint with the OCR.

In addition, I request you contact the third party debt collector assigned this account for notification purposes. Their name and address is : ( XXXX XXXX XXXX XXXX ). 
If you can not substantiate I authorized the release of my medical information within 30 days, and collection activity continues including derogatory reporting to the credit bureaus ), I will have no other choice but to file a complaint with the OCR against you and the third party debt collector. Thank you in advance for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that my credit was run without my authorization. I just wish for the inquiry to be removed.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : 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 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
Product: Checking or savings account

a purchase of XXXX was made at XXXX  with my cashapp account that I had no knowledge of or did not authorize on either the XXXX  of XX/XX/XXXX or XXXX  of XX/XX/XXXX. I proceeded to dispute this claim with cashapp as well as alerted XXXX. cash app gave me the funds back temporarily then today my claim was falsely denied with no explanation.
Product: Credit card

Please refer my prior compliant against Wells Fargo XXXX on XXXX XX/XX/XXXX about the dispute with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have Wells Fargo Autograph VISA credit card. On or about XXXX XX/XX/XXXX, I made purchase for XXXX  air tickets- XXXX -in one single transaction. XXXX made around XXXX  changes in the flight due to which I can not go and cancelled my XXXXXXXX XXXX  2 weeks prior to departure though 3 other family members went via XXXX XXXX assured me full refund as those XXXX changes were extreme and due to my job- I simply can not take it. But XXXX  rather than refunding my full ticket value to my credit card, XXXX made the refund in the form of XXXX travel voucher- which i never wanted. I tried to create dispute with Wells Fargo but online system didn't helped me. Later I called Wells Fargo on XXXX XX/XX/XXXX- talked to two agent. One agent made an excuse that the purchase is more than 6 months so now can not be disputed. One agent made an excuse that the purchase is more than 4 months so now can not be disputed 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  Even till now Wells Fargo couldn't do anything regarding this dispute. 
XXXX XXXX already charged my credit card for XXXX check-in bag and XXXX cabin bag for the entire flight from XXXX. But still my wife ( XXXX XXXX XXXX was charged for check-in bags by XXXX even when it was thru check-in. 

My wife filed CFPB complaint # XXXX on XXXX XX/XX/XXXX regarding the same. Wells Fargo is simply playing tricks with me and my wife and not doing anything against XXXX and XXXX XXXX. They keep on passing the buck to me and my wife to call separately. Finally today we were on the phone call with them at around XXXXXXXX XXXX central. 

Wells Fargo need to resolve this dispute efficiently and give us the resolution in a timely manner.
Product: Credit reporting

I am a XXXX who was receiving XXXX from VA. In XXXX 2009, I was involuntarily called up for XXXX. I went to the VA Representative at XXXX XXXX IN and completed documentation to stop payment since I was being sent back to XXXX XXXX. I then left for service in XXXX. Apparently the paperwork was not submitted in a timely fashion to the VA, and they continued to send payment unbeknowest to me. Upon my return, I had this debt of XXXX dollars that had been given to the XXXX for the VA. I contacted them an paid back money. I have asked twice to have debt removed from my credit report to no avail. Please help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am requesting that you provide information regarding a credit report listing that appears as XXXX XXXX accnt # XXXX within my consumer files. Until I fully understand this tradeline, I wont know whether I should dispute either the credit reporting or its underlying debt pursuant to FCRA, FDCPA, or other applicable statues. Please know that I have received authoritative 15 U.S.C. 1679a ( 3 ) assistant in framing and sending this reasonable request and that I stand ready to escalate further should I not receive the information within 15 days because you may have seriously damaged my rights, personal reputation and financial standing. For that reason, I am demanding you very specifically for the following information : Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
Moreover, I am formally requesting that you communicate with me only in writing pursuant to FDCPA or related consumer protections. 
Sincerely XXXX XXXX The following accnt is Fraudulent I'm a victim of identity theft, my information has been found on dark web and XXXX data breach. I have no knowledge of this account I demand immediate removal as the law prohibits false information from being on my credit report according to my consumer rights that has been violates 15 USC SECTION 1681, violation unfair deceptive practices, violation of ftc. I will sue {$1000.00} per violation if this is not removed immediately. 

There is also a letter attached regards to Delete Utilization as well as that is illegal to report law states it should be 5 % or lower or delete all utilization
Product: Bank account or service

ON XXXX I WAS CHARGE {$14.00} FOR A FREE MOVIE. THE MANAGER STATED THEY DO N'T DO REFUNDS AFTER YOU LEAVE THE ESTABLISHMENT. I HAVE PROVIDED THE DOCUMENT EMAIL. ON XXXX/XXXX/2016 I WAS CHARGE {$21.00} FOR FOOD. XXXX WHO SWIPED THE CARD HANDLE IT INCORRECTLY. THE AMOUNT WAS SUPPOSED TO BE {$18.00}. WHEN I CAME TO THE ESTABLISHMENT. I WAS SUPPOSED TO GET A CREDIT FOR {$21.00} NOT BE CHARGED {$21.00}. ON XXXX/XXXX/2016 MY CARD WAS TYPED IN FOR {$15.00} FROM XXXX. PLEASE NOT I 'M DISPUTING THAT TRANSACTION.
Product: Debt collection

An alleged debt was placed on my credit report from I C Systems without an notification before hand for the company XXXX. I called I C Systems and asked why I did not received any correspondence before the alleged was placed on my credit report. I C systems responded by claiming they had mailed a letter to a so call address that there are aware that I no longer lived. How do I know this, I C Systems updated my credit report with my most up to date address, this is proof that they indeed knew my correct address and refused to send me correspondence before placing an collections on my credit report. Another instance of how they do not follow the rules that govern them. 
Moreover I have proof that this alleged debt was paid to the original creditor, and therefore I do not owe the debt that is being reported on my credit report by I C systems. I called I C Systems to rectify this problem and they have no interest in doing so which forces me to write this complaint. Attached is a copy of my XXXX receipts, along with the confirmations numbers and tickets numbers. This alleged debt is to be removed immediately as it is fraudulent. Neither is the alleged debt to be updated to paid in full as the debt was NOT paid to the collection agency but to the original creditor. 

Payment information First Payment Confirmation # XXXX Second Payment Confirmation # XXXX First Ticket # XXXX Second Ticket # XXXX Total Amount Paid {$160.00} Total Amount Due {$0.00} Please see attached details attached below with copy of receipt from the original creditor. 

NOTE this is the XXXX ( XXXX  ) complaint filed with the Consumer Financial Protection Bureau with this company
Product: Credit reporting or other personal consumer reports

I did not Authorize or benefit From the accounts shown on my credit report please delete and restore my credit to reflect XXXX credit score thank you if not I would like to see all written agreements for each account and how the process was verified with each outlined account shown backed by law.
Product: Credit reporting or other personal consumer reports

Here are the inquires on my credit report that I didn't authorize. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX CAF XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX. 
Bank of America called me on XX/XX/XXXX. Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment Of XXXX to close the loan. It has 149 days and counting And still I can not prove I own the home I live in.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is willful non compliant when given the evidence of documentation of account not reporting accurate. i have ask via snail mail with certified receipts, proper documentation to correct or delete the accounts in question. I have also exercised my rights under FCRA section 611 ( a ) ( 7 ) the method of verification used to verified these accounts in question? I asked who did they actually talk to about these account listed here : XXXX ) XXXX account # XXXX, ( XXXX ) XXXX XXXX account # XXXX, ( XXXX ) discover bank account # XXXX, XXXX ) XXXX XXXX XXXX account XXXX XXXX what real person was the one that verified these accounts. What are their names? what extencion number did they use? what are the dates that they contacted the real person or reps of each company in question? what hard documents did the get that they should share with me as evidence to back up their XXXX XXXX XXXX says to me that they do not have any record of the account at all. and that experian never contacted them???? so forth and so forth... Experian is in violation of the statue that clearly says they must follow the law. under Facta act i need to get a copy of the records in my hands.
Product: Debt collection

Portfolio recovery Systems sent me a letter dated XX/XX/XXXX which I just received today XX/XX/XXXX. This is not a refusal to pay a debt, but a request for validation of the said account. Which I have asked for repeatedly over and over again. As per my conversation with one of your representatives ( that i recorded ), I requested that she send me ALL the information about this account so that I can dispute it, I have no knowledge of this account. You have not complied. She warned me that if this debt was verified using my name and Social Security which you already have, that you would still considered this to be my bill. I am sending an official request in writing for ALL records of this account, so that I may do my own investigation. Send me ALL documentation you have, other then when the account was opened and when you received this account from XXXX XXXX XXXX, and by ALL information I am asking for payment records as well as detailed billing of the account. Your letter is somewhat confusing to me, Did you purchase this account, Was it assigned to you to collect, or was it transferred to you? I would also like that documentation as well. Also I would like proof that you are licensed to collect a debt in the state of NY. At this time I would also request that any correspondence to me be done by mail only.
Product: Student loan

i tried to pay off one of my student loan that is now a total XXXX US dollars. i made two attempts this year and nelnet for some reason keeps canceling the payment. i have screenshots that it is being processed and when i keep checking it is still being processed and then i look at my bank account the money is there and nelnet has not taking it. my bank confirm that nothing is wrong on there end. so i called nelnet to see what is the problem and they want to say there is a problem on my bank side. which is not true. i think they are scrammers because he they do not accept my payment the interest rate continues to increases. this is not acceptable.

the have accepted other payments that i submitted around the time i submitted the full payment of one of my loans i will submit a payment again in smaller amounts to pay this loan off please help
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX continues to respond that they have verified and inaccurate bankruptcy on reporting on the file they maintain under my social security number. I have provided proper identification according to FCRA 610 ( a ) ( i ) which is my notarized social security card, passport, and utility bills ( see attached ). 

Therefore I have filed a standardized affidavit of identity theft FTC report ( attached ) in compliance of FCRA 609 ( d ) ( 1 ). I made both companies aware that according to FCRA 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through physical verification any and all accounts they report on my credit report. Otherwise anyone paying for their report services could fax, mail, or email in fraudulent information. 

The letter from the courthouse both companies listed is attached states that it did not provide either companies with my full social according to section 1681 ( a ) ( 5 ), making this a violation of my privacy laws of the FCRA and identity. 

XXXX XXXX v. XXXX XXXX XXXX court case shows the judge ruled that the court can not just rely on computer generated documentation. Therefore XXXX XXXX verification or 3rd party is  noncompliance and unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CREDIT REPORT IS INACCURATE AND SOME INFORMATION IS FALSE. These hard inquiries needs to be deleted off my credit report with TransUnion because they do not match my XXXX or XXXX or XXXX credit report, nor did I authorize the creditors to get access to my credit report, MY CREDIT REPORTS FROM ALL 3 CREDIT bureaus ARE FROZEN. DELETE THE FOLLOWING BECAUSE IT IS INACCURATE - - - - - - - - - - - - XXXX XX/XX/2022, 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/2022, XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

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