23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was making a payment for an overdraft to Santander Bank, which has overdraft protection to XXXX USD. Instead of taking {$200.00} to make the payment the Stantander Bank took XXXX out of my account ending in XXXX on this past Wednesday. I was told at the branch bank that at midnight the monies would be returned the next day at XXXX. That the did not happen. Instead the the XXXX balance was deducted to pay down the debt to zero and the remaining amount was not returned. So effectively I have been defrauded of {$19000.00}. Yesterday, I withdrew XXXX out of the overdraft in hopes that the Bank would at least apply my funds to use my the remaining amount owed to pay this off this debt overnight, which has been the case in every other instance. I looks like the account is now frozen and I am being charged {$4.00} a day for the use of my own monies, as this debt has been paid in full. I have over-drafted before and the always the monies were applied by the next business day. This is the first time this happened like this and I had a reasonable expectation, that the monies would be applied. In every other instance, Santander to my the best of my knowledge has always never let one it's accounts to be overpaid, such as my credit card. This should never have happened, and I am asking cfpb to intervene.
Product: Credit reporting, credit repair services, or other personal consumer reports

Target agreed to accept {$350.00} as payment in full to resolve the account. The call was recorded and I have the recording. I mailed them the check and in exchange they were to resolve the account in full but they are still saying I owe them Money. They did not follow the terms in the attached letter but they did cash my check. My balance should be XXXX and they should honor their agreement.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a credit inquiry listed on my credit report that I did not authorize. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Debt collection

Debt collection company TrueAccord Corp is contacted me on XX/XX/year> via email claiming that I have a debt of {$350.00} that was originally owed to XXXX XXXX XXXX XXXX XXXX 

The email address they used is a throwaway address that I do not use for official business. 

I have never had an account or debt with XXXX XXXX XXXX XXXX XXXX 

The physical address they say they have on file is not one I've ever lived at ( or even a state I've ever visited ). 

I informed them of this but they emailed me again, XX/XX/year> doubling down on their claims that I have this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, our home was damaged by Hurricane Florence. I contacted Chase Mortgage & was approved for 3 months disaster assistance ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) with no negative credit reporting. I resumed normal monthly payments in XX/XX/XXXX while renegotiating payback to Chase for the 3 months of disaster assistance. I requested adding the 3 months to the length of the loan. Chase refused. They said the full amount must be repaid or I could renegotiate the amount of the monthly payment over 12 months to repay the amount owed for the 3 month disaster assistance reprieve. This option was accepted and, eff. XX/XX/XXXX,  the monthly payment increase began. Our home was sold XX/XX/XXXX, & the mortgage to Chase paid in full. In XX/XX/XXXX, we began proceedings to purchase another home & learned that Chase had reported our loan was in arrears for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX despite timely monthly payments being made reflecting the increased payment amount negotiated with them. They informed me that not paying the full balance of the 3 months of disaster assistance resulted in the negative reporting. Reporting also reflected payment not made in XX/XX/XXXX despite the loan closing XX/XX/XXXX. I have requested removal of the negative reporting due to its relationship to approved disaster assistance amounts and our good faith renegotiation of the monthly payment to pay this amount in full over 12 months. Chase has repeatedly refused. This has prevented us from purchasing another home.
Product: Credit reporting or other personal consumer reports

I disputed a hard inquiry on my Equifax from XXXX XXXX XXXX  XXXX XXXX from XXXX. I told them to please send me proof that I authorized this inquiry on XXXX which they could not send me proof. But after Equifax 's investigation they claim to have verified it but they had NO proof. 
When I checked my credit again I noticed XXXX New hard inquiries from companies I did Not authorize. I unfroze my account XXXX  times in XXXX for XXXX companies to do a soft pull and NONE of them are these companies on my credit. I only authorized XXXX XXXX, XXXX XXXX, XXXX  XXXX  and XXXX. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX  XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within XXXX  days. 

I look forward to receiving an updated copy of my credit report reflecting the above correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

These agencies include Equifax, XXXX, and XXXX. my wife and I are victim 's of fraud this is been on going still we have filed complaints to your office as well as the were the debit took place, your office keep passing this back to Equifax, XXXX, and XXXX they keep tell me I never showed a police reports I have sent them and your office has showed them also, we have make complaints with FHA, as well as Hud from their own website up loading the info we spent money using their owe sites and they wont take the info, provided, please see the enclosed info. I have also called your XXXX XXXX XXXX IM XXXX and a member of XXXX XXXX, we have been discrimination on the basis of familial status and gender because no one fixed the credit I was force this humiliation of this, and split of my children between homes, this has caused my health problems as well not having the credit my teeth damage I need dentures. we lost out on homes and lender who cant lend to. our info with Equifax, XXXX, and XXXX is crossed wrong, multiple files with mine and my wife. info
Product: Debt collection

I am writing to express my gratitude for taking action to remove some of the fraudulent accounts from my credit report. However, my appreciation is overshadowed by deep frustration and distress over the incomplete resolution of my identity theft dispute. 

While I am thankful for the steps that have been taken, it is disheartening that not all of the accounts I am disputing have been addressed. This incomplete action leaves me in a state of uncertainty and distress, as my financial stability and peace of mind continue to be compromised. 

I urge your bureau to recognize the importance of finishing the work you have started. It is essential that all the fraudulent accounts that have been reported are thoroughly investigated and removed promptly. Piecemeal resolution only prolongs the anguish I have endured as a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX I implore you to expedite the process and ensure that all the accounts in question are thoroughly investigated and resolved within the shortest possible timeframe. This matter requires your full attention and diligence to bring it to a satisfactory conclusion. 

I expect a written acknowledgment of this dispute letter and a commitment to completing the resolution of my identity theft claims promptly. The law mandates a timely response, and I insist that your bureau fulfils these legal obligations without further delay.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I provided my records where my lawyer paid. The company continued to collect.
Product: Debt collection

In XX/XX/XXXXI took out a loan with mariner finance. This loan for for {$1500.00}. I needed the loan because I was having medical issues and the expense was taking a toll so I wanted to consolidate some of my debt. At the time the loan was taken out the loan officer offered me loan protection in the case that the medical issues became worse and I had to miss work. I accepted and paid an additional {$500.00} for the protection. I made my payments as required for more than 8 months. Paying off more than half of the loan. My medical conditions worsened and I have to take time off of work for 3 XXXX. I went into the office XX/XX/XXXX and submitted the claim on the insurance as I could not find a way to make it work and stay afloat. I assumed that was the end of it. In XX/XX/XXXX I received a call from mariner finance stating they were sending me to collections. I advised of the claim was processed and they stated they needed more information. I then resubmitted the claim with all of the medical back up to the XXXX office and  was assured this was resolved. XX/XX/XXXX I have a collector calling stating that they are coming to arrest me over this debt and going to garnish my wages. I paid for the protection and they are now putting my job at risk by contacting my employer, the state board of accounts. This is putting my character into question and I need help
Product: Credit card

I got contacted by XXXX by an unsolicited phone call and they offered online services and they never fulfill with their end of the deal. They took a total of {$3500.00} from me which {$1900.00} I paid with my Sears Master Card Citibank. According to master card 's dispute manual I should be eligible for dispute with codes XXXX and XXXX and also have a good faith investigation. Which I am not having it and I am very upset with my credit card company. I am attaching a letter from the Attorney General which proves that they acknowledge that I am entitled to {$5200.00}. Hopefully you can help me with that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX  XXXX XXXX  XXXX XXXX. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX a hard inquiry landed on my credit report for XXXX from a company called NetCredit. I called the company who had my personal information. I let them know that I never applied for any credit from them and did not want credit... they said there is nothing they can do because a request was made but didn't give me any info as to who or where the request came from ... they told me they would flag the request but they would not remove the inquiry. I let them know it was fraud but no one has gotten back to me about it. they refused to delete the request and said that they couldn't prove i was correct over the obvious thief of my identity. Shame on that company!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, is trying to collect a debt I have disputed as not mine. They sent me after I disputed the charge for {$220.00} and it appeared a charge on my account that was a result of some sort of Identify theft or a charge that is fraud. 

XXXX sent me a copy of my XXXX XXXX statement and it did not document the actual charge or merchandise that they supposed I did charge. I believe if it is my mine, which I do not believe since they have unable to send me any XXXX XXXX charge slips that show my signature for this disputed charge, even though I have requested in writing XXXX times for this documentation. 

XXXX is calling my home up to XXXX times day, even though I have disputed this charge. This is in violation of both Federal and State statues which prevent harassment from these types of tactics. 

I would like XXXX to provide me with the actual charge slip that backups the supposed charge that I owe or discontinue the collection of this charge.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX of XXXX. It is also being reported and stated the last payment made on this account was XX/XX/XXXX but the account was in good standing XX/XX/XXXX. This account is also being updated as a charged off on my report as if the account is still open and reporting a balance of {$1500.00} when the account should be XXXX due to the account being a charged off account. All the information on this account which is inaccurate and a violation According to XXXX XXXX Transunion XXXX, XXXX, XXXX, and TRANSUNION are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX : Account Name : XXXX XXXX XXXX Account Number : XXXX TRANSUNION : Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Evidence of the XXXXXXXX XXXX XXXX XXXX XXXX includes : a large-scale leak of approximately XXXX XXXX personal records, including full names, Social Security XXXX XXXX addresses, and phone numbers, which were first reported to be sold by a cybercriminal known as " XXXX '' on the dark web in XX/XX/XXXX ; this data was later leaked publicly on hacking forums in XX/XX/XXXX ; the breach was confirmed by XXXX XXXX XXXX XXXX XXXXXXXX ) themselves, tracing the origin to a security incident in XX/XX/XXXX ; and reports from cybersecurity researchers identifying the leaked data on various underground marketplaces and forums. 
Key points about the breach : XXXX leaked : Full names, Social Security numbers, current and past addresses, phone numbers, and potentially dates of birth. 
Estimated affected individuals : Nearly XXXX XXXX people. 
XXXX group involved : " XXXX  '' When data first appeared on dark web : XX/XX/XXXX When breach was confirmed bXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Equifax to have inaccurate items removed from my credit report as well as some unknown things. My 3rd dispute I mailed in was XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Equifax at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this point.
Product: Debt collection

Submitted a dispute online and it was denied. I was informed I would be able to make a complaint based on the criteria after dispute denial. Say the acct is from XXXX this year I have XXXX XXXX and before that direct for 3 years..not XXXX  which is the main creditors the debt company bought my info from.
Product: Prepaid card

Hello - I am a American express credit card member and have a XXXX credit card. 

For the last many months, Amex has been sending me emails on Serve prepaid card and has also send me a physical copy of the card. 
After waiting on the line for 75 minutes, when I requested them to close the card as I did not request for it, they came back saying that unless I spend a minimum of {$50.00} on the card, they would not be able to take any action on this card. 

1. I never requested for the card 2. I keep getting unwarranted emails from them 3. After spending more than an hour on the phone, I am told that I am not authorized to close the card that I did not ask in the first place. 

I am not sure I understand the logic here.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$9500.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX.
Product: Debt collection

I have a couple companies that I would like to report. The issue is that these companies are continually making inquires on my credit and continually having a negative effect on my report. Each company do not notify me when they are making inquires or reporting. Therefore, each of these accounts will never fall off. I am trying to purchase another vehicle and I am not able to purchase one due to these accounts. 

Hunter-Warfield XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Asked for a credit line increased and was declined. always make all payments on time and always more than minimum do this is a 0 % apr first year. I meet all requirements not sure why I was not approved
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is not reporting the Balance and Amount owed every XXXX XXXX XXXX and that is creating issues with my XXXX XXXX not increasing and the Balance shown is Greater than what I owe. Contacted the Company XXXX times but still they are not reporting that correctly to the Credit Bureaus and I am unable to Refinance my Auto Loan. 

Spoke to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and disputed the Amount outstanding being incorrectly reported to the Credit Bureaus XXXX 

She informed that the matter has been reported to the XXXXXXXX XXXX and she would call me back when she hears back from them, approx. in XXXX XXXX She would also provide a XXXX XXXX for the issue once she gets it from the XXXXXXXX XXXX  but never received any response till date. 

Even called them again and have the XXXX recording made on XX/XX/2022 at around XXXXXXXX XXXX 

Call was transferred to the XXXXXXXX XXXX and they assured that the Correct Balance would be reflected in the Credit Bureaus by XX/XX/2022 but as of XX/XX/2022 they still not reported the correct amount.