23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, ARA Inc. contacted me and left a voicemail stating that if I did not respond immediately, they would be sending a locator to find me and also issue a warrant out for my arrest. On the same day, they contacted my mother and let her know that I owed a debt and that they were sending a locator to her house to find me and to issue a warrant out for my arrest. After my mom told me this, I contacted ARA where I spoke to a representative who was insanely rude. I asked her to send me validation of the debt and she hung up on me. I then called back, referenced the case number they gave me, and the woman told me again, that if I did not comply I would be arrested. I let her now that I had absolutely no clue of this debt. I also told her to not contact my mother and do not send anyone to her house. After hearing that, the representative hung on me. Again, a representative, Ms. XXXX, called my ex husbands grandmother to ask to speak to me. The representative let her know that I owed a debt and that if she didnt hear from me today, they would be issuing a warrant for my arrest. This is getting completely out of hand. Ive asked for a validation of debt which I never got. They have contacted family member and spoke of this debt and threatened to pursue legal action. This is not right! Ive had to change my number because they would call my phone up to four times a day and leave threatening voicemails. I just want them to leave me and my family alone.
Product: Debt collection

Credit Collection Services violated several USC laws. Please see attached affidavit.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX New American Funding ran an unauthorized XXXX hard inquiry causing my credit score to drop this affecting my mortgage approval odds
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate reporting of this account and Fraudulent
Product: Debt collection

Received a notice in the mail on XX/XX/2020 from Allied International Credit Corp stating I owe an amount to XXXX. I reached out to Allied International Credit Corp via phone on XX/XX/2020 at XXXX PST, XXXX PST, and XXXX PST. The phone consistently goes to a hold tone for about 2 mins then to voicemail even though it states I can stay on the line to speak to someone. The issue is, I have no transaction history ever occurring on XXXX. There should be no reason why I am receiving a collections notice from them.
Product: Credit reporting or other personal consumer reports

Car payments and credit card payments with XXXX XXXXXXXX 30 days late for XXXX and XX/XX/XXXX. 60 days late XX/XX/XXXX and 30 days late XX/XX/XXXX. XXXX XXXX XXXX XXXX is showing late payments XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX credit card is showing 60 days late XX/XX/XXXX and 30 days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Checking or savings account

Federal Regulations Require the following : " A bank must make the first {$220.00} from the deposit availablefor either cash withdrawal or check writing purposesat the start of the next business day after the banking day that the deposit is made. The rest of the deposit should generally be available on the second business day. '' Per Federal Reserve Regulations. 

MARCUS by Goldman Sach 's has declared itself exempt from this policy. I am being told by their agent and by the website that I must wait ten days for the funds to become available. The bank 's policy of hold funds that have been deposited is contrary to US and XXXX banking Regulations. Goldman Sach 's continues to violate XXXX regulations as well by having this policy in place. 

There is no good reason for Marcus to be doing as as the funds are not listed as a certificate of deposit, however this policy puts into place of acting as a saving account, when it fact it is a certificate of deposit with a maturity date of ten days, which is also in violation of banking regulations.
Product: Checking or savings account

I was having an interest bearing XXXX XXXX account in Citizens Bank and was receiving interest added to the balance on the XXXX of each month. Last interest payment i received was on XXXX XXXX XXXX 
On XX/XX/XXXX i came to the bank 's branch and asked for a account to be closed. When clerk was processing the request I asked if the interest for the period from XX/XX/XXXX to the XX/XX/XXXX will be added at this time, he answered that i will receive the check for the interest in a couple of weeks after XX/XX/XXXX. 
When i contacted the bank on XXXX the XXXX over the phone, representative told me that the clerk in the branch gave me wrong information, and that i shouldn't close the account before the cycle ends on the XXXX. 
I checked the bank disclosers, they don't have such provision for the account closure, in contrary it says that if customer close account in between the cycles, he will be paid accrued interest.
Product: Debt collection

I received a call stating I owe this debt and it was in collections. I have never received notification by mail of this collection nor is it listed on my credit report. The particular company they mentioned I paid off on time and am in good standing since 2014 in which I have not done business with them or have not contacted them, and they have NOT contacted me. At this time I have no collections pending. I asked for a debt validation notice via mail, and they sent an email from their company. They also contacted my place of employment and threatened the person who answered. They also contacted my mother threatening to sue her as she was a reference in which I have never used my mother as a reference on any credit matters. I have received numerous voicemails and threats from this company for a debt that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. I 've already spent money purchasing additional Credit Monitoring services as well as Identity Protection services. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Product: Credit card or prepaid card

My XXXX year old son has been receiving credit card offers from Capital One for the past four months. I called in XX/XX/XXXXto report it when it first happened and was told that his information would be deleted from their database. 

I then received, yet another one in XX/XX/XXXX. I commented about it on their XXXX page that my son kept being solicited, despite them assuring me that they would be removing his personal information from their database. 

Then it happened, yet again, at the end of XX/XX/XXXX. I contacted them, yet again, on social media. They wanted a photo of it and I sent it, again. They told me, again, that the information would be removed. 

Today, XX/XX/XXXX, he received another credit card offer. I made another negative comment about it on social media and received another stupid response via XXXX asking if it was for a car loan?! 

EVERY SINGLE ONE OF THE CUSTOMER SERVICE REPS STATED THAT THEY " REMOVED HIS INFORMATION '' BUT ( CLEARLY ) THEY WERE ALL WAS A LYING. 

I honestly do n't even know how they got my minor child 's personal information but I want it deleted, NOW. What else am I supposed to do to have them stop sending him credit card solicitations? The kid is XXXX!! 

How did they even get his information??!! And why ca n't they remove it since he is a minor and I am requesting it over and over and over and over again?
Product: Money transfer, virtual currency, or money service

On XX/XX/year> my boyfriend tried to zelle money to my account but zelle refused the transaction and said that the money would be returned to the sender but the money has not been returned to my boyfriends account. I have never had an issue with zelle rejecting any payments from my boyfriend nor have i ever not had any money not returned after it was denied transfer
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft, Experian and XXXX Credit Bureaus don't care at all that I want to dispute these XXXX ACCOUNTS in my credit file. XXXX! How often do I have to tell them that these accounts are NOT MINE? Please DELETE the following accounts listed below. 
XXXX XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account Number # 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 an account without my written instructions. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX  Account Number:XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Mortgage

On XX/XX/XXXX, I received notice that my mortgage had once again been transferred to a new mortgage servicer : Fifth Third Bank ( the Bank ) Mortgage Loan Servicing XXXX XXXX XXXX XXXX, OH XXXX On XX/XX/XXXX, I received a letter stating my pin for a " XXXX XXXX XXXX XXXX had been changed. I contacted the Bank at XXXX and proceeded to wait 20 minutes before I was able to speak with someone. After I spoke with one agent, she stated not to worry, that the bank was a " card based, '' bank, whatever that means, and that I had to have a card with the Bank in order to do business with them. This conduct is eerily similar to XXXX XXXX opening accounts without permission. ( See link ) XXXX XXXX XXXX # : ~ : XXXX % XXXX  % XXXX % XXXX, XXXX % XXXX % XXXX % XXXX % XXXX % 20 % 243 % XXXX % XXXX % XXXX % XXXX, of % XXXX % XXXX % XXXX % XXXX I did not open a " XXXX XXXX. '' When I asked to close the account, I was told that I could not. I asked for a statement from the company negating their XX/XX/XXXX letter telling me to call in if I did not request a pin. I was told that the company can not provide a written letter. The company has committed fraud in two ways : first, opening a " XXXX XXXX, '' without my permission. 

Second, claiming a " XXXX XXXX, '' is the same thing as a " Virtual Card. '' My correspondence discussed a " XXXX XXXX, '' and made no reference to a virtual card. This letter has caused me severe emotional distress because I was not allowed to cancel this card despite requesting more than once.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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
Product: Debt collection

I have sent numerous debt validation notices and never received a response back from the creditor. As per the ( FCRA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FCRA. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
Product: Debt collection

I am writing to dispute the billing for dental services provided by My Plantation Dentist XXXX XXXX XXXX XXXX, on XX/XX/XXXX, via email for services on XX/XX/XXXX. 
It is important to note that they sent me this request almost 2 years after the service. 
They email that it is my responsibility to pay the claimed outstanding balance from services rendered in XX/XX/XXXX a balance which I was told would be covered by my insurance at time of service. 
Further, they claimed my insurance paid me directly {$140.00} but is demanding a full balance bill of {$510.00}. Balance billing is illegal. If I confirm that I was paid {$140.00}, this is all XXXX willing to pay as I did not request any premium services above what my insurance would pay. 
The dentist provided me with an estimated insurance coverage amount of {$510.00} at the time of service. 
I disagreed with their assertation and later received a collection letter. 
I promptly paid the patient estimated balance of {$410.00} with my XXXX XXXX XXXX  on XX/XX/XXXX. 
Additionally, the reason I left this dentist is because they were deceitful in their marketing practices. When I first called them and asked are you in-network for my XXXX XXXX XXXX XXXX XXXX XXXX, they responded YES. 
After several visits they started asking to pay balance bills for each visit for basic services. 
I questioned why I was being billed additional charges if your in-network for my insurance. They then claimed they were a premium provider in my network and therefore my insurance didnt cover most of their premium services or all my routine treatments and cleanings. 
I then wanted to switch but by then they had a full file of x rays on me. 
The ultimate reason I switched dentists in XXXX was that from the start of my treatments with this company, they insisted on me getting XXXX XXXX. In fact, the first visit they provided me with a treatment plan that included a {$10000.00} XXXX plan and insisted I sign it but said it was not binding. 
Every visit XXXX XXXX XXXX insisted I enter the Invisalign treatment plan and then tried to hard sell me the XXXX plan to pay for it. 
I repeatedly declined and then just found a new dentist as I was tired of this hard sell tactic and very disappointed that they were deceitful about being in my insurance network. 
I have an XXXX credit score and am concerned now this issue will ruin my credit and I do not own this money. If anything, I will only agree to pay any funds the insurance paid me directly, which I believe is {$140.00}.
Product: Credit reporting or other personal consumer reports

FCRA Violations Not mine Not my cc XXXX XXXX Potentially negative Date opened XX/XX/XXXXXXXX  Balance - Status Paid, Closed. {$5800.00} written off. 
never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXXXXXX  Balance - Status Transferred, closed. 
never lived here XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Single family
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for their repeated refusal to update my current address and delete old addresses from my credit report, despite providing them with ample documentation to support my request. 

Over the past year, I have sent numerous letters to Experian, providing all the necessary documentation to update my current address to : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The documents I provided include : A copy of my drivers license showing my current address. 
Recent utility bills reflecting my current address. 
Car insurance documents also indicating my current address. 
Despite my repeated efforts, Experian has failed to update my address and continues to list outdated addresses on my credit report. This is causing confusion and impacting my ability to manage my credit effectively. 

I would like to note that both XXXX and XXXX updated my address without any issues using the same documentation. This further highlights Experians lack of responsiveness and compliance with my requests. 

I believe that Experians failure to address this issue in a timely manner is a violation of the Fair Credit Reporting Act ( FCRA ), and I am seeking your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three major credit bureaus are reporting a bankruptcy past the credit reporting limit and it must be removed. I recently checked my credit report and noticed that a very old bankruptcy continues to report on my credit file. This was filed 9 years ago! That is insane to still be reporting on my credit file as the credit reporting limit is 7 years. This needs to be removed immediately.
Product: Mortgage

Unfortunately my mortgage is with United Wholesale Mortgage ( " UWM '' ). I have been receiving notices from my home insurance company XXXX saying that UWM has not paid my house insurance premium of {$810.00} out of my escrow account. I spoke with UWM on XX/XX/2021 and advised my insurance company did not receive their payment. They never followed up. I called XXXX who advised me that they have been sending notices to UWM with no response or payment. On XX/XX/2021 I received the attached cancellation letter. I immediately called UWM and spoke with XXXX who asked that I email the cancellation letter to them which I did immediately. On XX/XX/2021 I received the attached email incompetently saying I just provided them with my insurance info that I've had on file for years. UWM fraudulently took {$810.00} from my escrow account and now my home is not insured and I'm out {$810.00}. This company is incompetent and corrupt. This company also refuses to transfer to management as well which is a sure sign of incompetence.,