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

This was ran without my consent from XXXX XXXX 's dealership ( rep ) sent out letters quote to ask them to remove from my profile and I've called and nothing happened still effecting my and scoring needed removed asap
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX SSN : XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXXl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Follow-Up Dispute and Request for Full Debt Validation Dear First Federal Credit Control, I am writing as a follow-up to my original dispute regarding the medical collection account tied to XXXX XXXXXXXX for XXXX. While I appreciate your prompt response and the itemization of charges you obtained from the creditor, your response does not fully address the concerns raised in my initial letter dated XX/XX/year>. 
To reiterate, I requested complete validation of this debt in accordance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). Your response failed to provide the following documents I requested : XXXX. A copy of the original signed agreement or contract from the original creditor, XXXX XXXX XXXX XXXXXXXX, verifying that I owe this debt. 
XXXX. A detailed explanation of how this account was verified, including the supporting documentation from the original creditor. 
XXXX. Confirmation of compliance with XXXX, ensuring that the medical billing information shared with you and reported to the credit bureaus was done so in accordance with privacy laws. 
Please understand that an itemization of charges does not satisfy my request for full validation of this debt. As per federal law, you are required to provide the original signed contract and documentation that substantiates the legitimacy of this debt. Until this documentation is furnished, I am requesting that all collection activities, including any reporting to credit bureaus, be halted. 
I expect the requested documents to be provided within the next 15 days. If this matter is not properly addressed, I will escalate this dispute with the Consumer Financial Protection Bureau ( CFPB ) and other relevant legal channels. Furthermore, if the account can not be fully validated, I will demand its immediate removal from all credit reporting agencies. 
Thank you for your prompt attention to this matter. I look forward to receiving the full validation documentation soon. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX SSN : XXXX CC : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Vehicle loan or lease

According to KIA Finance, our account was closed beginning of XXXX and put into default. 
They then attempted to put it into collections and refused to negotiate with the XXXX XXXX insurance to allow them to receive their check in the mail. 

We received no notice that they had closed the account in the beginning of XXXX, and even received a bill indicating that the regular payment schedule was still configured, giving the illusion that we actually had time. 

We started receiving collection calls from KIA Finance ( XXXX ) requesting the full XXXX balance in full on an account the was never disclosed to us that it was charged off/going to collections 4 days before the bill they sent us was due. 

Based on the original due date of the bill they had mistakenly sent us ( sent XX/XX/XXXX for bill due XX/XX/XXXX ) we even had the check sent out before the payment was due. 

So now they were ignoring our requests for documents and terms of service that allowed them to close an account without notice and continue to send bills as if it was not closed. 

Now they refuse to do a Pay to Delete method to remove their mistake from our credit scores.
Product: Mortgage

In XXXX 2014, Green Tree Mortgage took over my home mortgage with XXXX. The statements provided by Green Tree did not provide me with needed information, such as amount due. Instead, the statement read " not a bill '', " for information purposes only '' and " total amount due '' was left blank. I called Green Tree, and they told me that this was due to a bankruptcy. I am not in bankruptcy court, though my wife did file for bankruptcy a few years ago. I asked Green Tree to send me a monthly statement with information, including the monthly amount due, due date, and the total amount owed. To date, I have not received this information. I have spoken to several representatives and sent several letters requesting this information. To date, I have not received said information. I wrote another letter to the president of the company. Although he responded saying that they were looking into the matter, the situation got worse. Now, I am not getting any correspondence from Green Tree. According to a representative, all correspondence is being sent to my wife 's bankruptcy attorney. In XXXX, a company representative suggested that I go online. I did so and to my surprise, Green Tree charged me {$1400.00}. According to a representative, the fees were for attorney costs for my wife 's bankruptcy. Additionally, I noticed that my monthly payment went up from {$700.00}, the agreed-upon amount, to {$800.00}. According to the representative, the increase was to pay for the attorney fees. I was not given any type of notice regarding the attorney fees and the increase. I recently spoke to another representative. I asked that the fees be reimbursed. The representative advised me to send a letter to Green Tree, which I did. Lastly, on several occasions, I have asked Green Tree to send my an application for " auto pay '' so the monthly amount can be deducted from my bank account. I am still waiting for this form. I am requesting that Green Tree 1 ) reimburse me the aforementioned attorney fees, 2 ) send me a monthly statement with the monthly amount, amount due, and amount owed ( balance ), 3 ) send its correspondence to my home address, and 4 ) send me an application for " auto pay. ''
Product: Vehicle loan or lease

I bought this XXXX XXXX truck back in 2015 from XXXX XXXX XXXX in XXXX NY. They included mechanical coverage upto XXXX miles without my knowledge and have not mentioned in the discussion we had worth {$3800.00} which is Insane. I got to know when i was looking at my amount paid and balance and then i called them to check and they said we do it daily. Means its with every car they sell but was never discussed with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance : {$370.00} ; XXXX XXXX  XXXX Balance : {$1400.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX. XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$62.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$740.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I made a mobile deposit on XXXX for XXXX. XXXX XXXX dollars of the deposit was made available on XXXX. I placed a call to customer service on XXXX to confirm the deposit and was advised it should on only be a few days for the hold on funds. On Friday XXXX I received a card in the mail from Truist Bank advising that there is a hold until XXXX because the check is " likely uncollectable ''. I contacted Truist and was told i needed to speak to the XXXX department and the representative would connect me. After XXXX minutes she came back on the line and told me they were unavailable and that I could contact them directly. I called yesterday XXXX and spoke to the XXXX department as instructed and they advised they have nothing to do with it -- I would need to speak to someone in customer service. I spoke to XXXX in customer service who advised that since the Truist merger, there was a large amount of fraud causing delays on check/holds. I explained that the check was from XXXX XXXX and was advised it did not matter. I also advised that the online backing states that the funds will be released on XXXX and the card I received in the mail advised XXXX. XXXX confirmed XXXX. I called this morning to file a dispute and XXXX ( supv ) advised it is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to be an error on my consumer report furnished by XXXX XXXX XXXX XXXX On my consumer report, there is a late payment reported which is causing damages to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any of the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and Congress has stated there shouldn't be any late payments? Is XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt out or limit sharing of my credit worthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is defined as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX has been accepting from me for the past years if under United States Code it is defined as commercial development of oil, natural gas, or minerals? Is there a yield of the investment on the account that's due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my person 's consumer reports needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of XXXX business to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be returned back to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have Items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX
Product: Credit card or prepaid card

I have a very serious issue with the Barclay 's AAdvantage card. I have called twice since XX/XX/XXXX, discussed the issue with representatives and was provided with a case number, but was told it would take up to two billing cycles to be contacted by a XXXX which is unacceptable. I received a form letter yesterday ( XX/XX/XXXX ), whereby it states that they understand my concerns and appreciate the time Ive taken to provide valuable feedback however I requested a more direct contact/conversation to rectify this major error to our new account and the standard letter doesnt address my concerns or solve this issue. 

My husband and I traveled on an XXXX flight on XXXX XXXX and was provided with a paper application for the card upon departing from the flight. I completed the application, with a request to transfer {$5500.00} from our XXXX XXXX  credit card to Barclays AAdvantage credit card with the understanding that there would be an introductory 0 % APR for 15 months. I waited over XXXX weeks and hadnt received confirmation via email, phone or the card in the mail. 

My husband and I telephoned on XX/XX/XXXX and was told by a representative that there was NO record of the application. We then initiated with the representative a new application, requesting {$8400.00} ( increasing the {$5500.00} in order to cover our travel expenses ), with the understanding that there would be a transfer fee of {$420.00} and 0 % APR. 

The PROBLEM is that the representative made a significant error and misinformed us as both requests/actions occurred so that we ended up being charged for a second balance transfer for the initial request of {$5500.00} AND a APR charge ( since it was our " second request '' ). Both transfers were posted on our XXXX XXXX  card on the same day so I don't understand how it wasn't possible for Barclay 's representation to not see the initial application! 

I called twice in order to get this rectified as we DID NOT WANT BOTH, nor pay for the {$5500.00} balance transfer fee and get involved with paying an APR on the amount. In explaining the situation to a Barclay 's representative, I requested the ability to immediately pay off the {$5500.00} balance transfer, but was told it wasnt possible. I dont see how this isnt possible since the finance charge is being charged only on the {$5500.00}. balance and its a matter of crediting our credit card the {$5500.00} amount, as well as the balance transfer fee of {$270.00} in as much as this is an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing unauthorize inquiries and credit errors on my credit report for over three years and Experian, XXXX and XXXX has n't deleted negatives from my credit file. Credit reporting agencies have not supply evidence of my handwritten signatures with me applying for credit with lenders or credit companies. Some creditors companies will sign consumers name just to protect themselves from any Federal lawsuits. This is the list of unauthorize hard inquiries on my credit report that is damaging my credit scores with XXXX, XXXX and Experian. According to XXXX XXXX monitoring credit and scores my XXXX credit scores is at XXXX, XXXX XXXX, and in my free membership with Experian monitoring credit score is at a very damaging score at XXXX. Credit reporting agencies are very aware that I am a US Military Veteran and I am XXXX XXXX XXXX XXXX. Under my XXXX XXXX XXXX under the Department of Justice and Federal and State Consumers Laws I am been Discriminated and Retaliated because my National Origin as a XXXX XXXX and Military Veteran status. Here is the twenty five or more Unauthorize inquiries list on my credit reports that 's damaging my credit and scores .A Bankrutcy Chapter XXXX was filed on XX/XX/XXXX and XXXX , Texas Federal Judge Discharged on XX/XX/XXXX and as I view my credit report Experian, XXXX and XXXX was not deleting collections and negatives wording statements on my credit files. Unauthorize Hard Inquiries list of twenty five or more are as follow that is displaying on my credit reports.. 1XXXX XXXX .Inquiry date XX/XX/XXXX Misc.Reporting Agencies 2.XXXX.XX/XX/XXXX.Misc.Reporting Agencies 3.XXXX XXXX XXXX XXXX .XX/XX/XXXX 4.XXXX XXXX XXXX.XX/XX/XXXX 5.XXXX XXXX .XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XXXX.XX/XX/XXXX 8.XXXX XXXX XXXX .XX/XX/XXXX 9.XXXX XXXX XXXX XXXX .XX/XX/XXXX 10.XXXX .XX/XX/XXXX 11.XXXX  XXXX XXXX.XX/XX/XXXX 12.XXXX XXXX XXXX.XX/XX/XXXX 13.XXXX  XXXX.Personal loan.XX/XX/XXXX 14.XXXX. XX/XX/XXXX 15.XXXX XXXX.XX/XX/XXXX 16.XXXX .XX/XX/XXXX 17.XXXX XXXX XXXX.XX/XX/XXXX18.XXXX  XXXX.XX/XX/XXXX 19.XXXX.XX/XX/XXXX20.XXXX XXXX.XX/XX/XXXX 21.XXXX  XXXX XXXX.XX/XX/XXXX 22.XXXX XXXX XXXX.XX/XX/XXXX 23.XXXX XXXX.XX/XX/XXXX 24.XXXX XXXX.XX/XX/XXXX 25.XXXX XXXX.Utilities & Fuel.XX/XX/XXXX This list of creditors should supply Federal Government on my file complaints with my hand written signatures
Product: Credit reporting, credit repair services, or other personal consumer reports

see attached!! I've previously submitted a CFPB complaint on the credit reporting agency for reporting fraudulent transactions on my credit report although I've attached a copy of Identity Theft Report. These inquiries need to be removed from my credit profile promptly as it is my intent to seek remedy in this matter!
Product: Debt collection

XX/XX/2021 I left XXXX  for another carrier. On @ XXXX XXXX I get a call saying phone not the turned in. I tell the lady on the phone no return kit was sent.. XXXX wont accept it ... XXXX corporate locator store online they tell uto take it to is XXXX XXXX. what is a consumer supposed to do? now they send me a bill saying I owe {$440.00} dollars. XXXX has sent it to convergent XXXX with no warning or way to resolve issue. This isnt business or fair. Its corporate extoration Also showing no proof of the amount " owed ''.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I was told to ship back their devices after use. I shipped the devices a really longtime ago. They still went ahead and charged me XXXX dollar, sent me to collection while the devices were indeed ship to them. I do not have the devices, i should be placed at collection for something that i do not have and something that was sent back to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit card or prepaid card

{$100.00} My health insurance company has charged me twice for the premium for the month of XXXX, XXXX One dated XXXX and the other dated XXXX. 

On XXXX I asked a supervisor at discover Bank 's disputes department to specifically dispute the charge dated XXXX. I also told the supervisor not to dispute both charges because the charge dated XXXX is correct. 

Then why did you dispute both the charges?
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I always check my credit but today i check it and they post a collection on my credit credit i know i haven't been to any doctor and i ask for all supporting documentation but never receive anything from any creditors so can you please have them to send all letters to me about these accounts.XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are inaccurate and need to be removed as soon as possible. 

XXXX XXXX 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 multiple dates. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX multiple dates XXXX XXXX XXXX multiple dates XXXX XX/XX/XXXX 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
Product: Credit reporting or other personal consumer reports

I have previously disputed XXXX XXXX XXXX XXXX XXXX XXXXDismissed with you. In response, you verified the item as accurate, stating that your office has verified the information with the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I contacted the court disputing this bankruptcy directly with their office, and their response is enclosed for review. 

From conversations over the phone and in the letter, they sent me, they have confirmed they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item with the court was either an error on your part or misleading. 
Either way, the reporting of this Bankruptcy, which I NEVER initiated or requested does not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately.