23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm this detail ( A ). This account may not be reported as unverified information without providing any supporting information within the legally allowed time range. The account is shown on my credit report as needing investigation and correction because it was reported incorrectly in my file. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was making regular payments to my CC - XXXX  Master Card issued by Barclays. I was told that because of job loss as per Covid, I could make regular payments until I was gainfully employed and can resume full monthly payments. The issuing bank, raised my rates and canceled the card this month.

If needed I can supply account numbers, SS # and payment statements.

I have had this card for over 12 years.
Product: Credit reporting or other personal consumer reports

I checked my credit report and I'm still disappointed with how unauthorized inquiries from my credit report are showing up so please check the documents I've included.
Product: Checking or savings account

I BEEN labeled a high risk factor that is far the truth just because I had something happen sometime back with other bank dont mean I m being foolish again. I was ask if I was too send the money and I answer, yes some of it. 
But I wasn't ask would I send it. and the answer is to XXXX no. And this is what I fighting right now. it nit the money as far as I know that check may be as they say. now why is it in my account clean. I can't answer everything and I can't answer anything with out this bank thinking something wrong, right at start I was flag as bad.and sense when is a printed check counterfeit when business account the country print there own checks. To put it planing you just think I doing bad this. but I m not. I want the world to know how this bank is treated and how tis bank is steeling my money. the check was posited and accepted and cleared. but the bank flag my account before I even of the deposit so at time when the guess I was just as XXXX they are and I didnt know anything. That check is fine and the money is mine and I cakllling this bank out to correct this problem. they can t not use my past assume anything. I m not going to set here and let them XXXX ball my name I want cleared and the money release. it is mine like it or not. its all part of step that must happen in collecting this inheritance. I know I dont believe it myself, but it happening. its financial institute the check from come on. but like you I dint know fully what going on. but I know I m not helping or part something that is illegal. This is all I need ti say and I asking this bank to stop the allegation there holding me on. This is about who I am and I hAPPY ABOUT fast you conceived me with me knowing what happen. there in the wrong and I m calling them out on this
Product: Checking or savings account

My checking account had {$130.00} in it and someone fraudulently withdrew it around XX/XX/2023. I called Navy Federal Credit Union and they had me file a declaration of Forgery/Fraud and that they would then conduct an investigation and would give me no time line as to how long it would take. I submitted it on XX/XX/2023. 
It has been well over 2 months and I have not been contacted. When I called them to ask what is going on with it XX/XX/2023 a representative insisted I give him my card number and when I told him I did not have a card he hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHRYSLER CAPITAL Inquired on XX/XX/2019, XX/XX/2019 add a hard inquiries on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

I had received multiple phone calls from a number I did not recognize. The caller ID indicated the calls were from Cominity Bank but I did not recognize that name. I finally answered a call and was told that I owed the bank more than {$100.00}. When I asked for the reason that I owed the bank this money I was told that they had been attempting to contact me by email and phone multiple times during the past two or three months, I told the person that I had NEVER received their email. I also told the person I had NEVER received any written communication by mail. 

I also told the person that I had NEVER received any messages on my phone either by recording nor by text. 

The person was very rude and demeaning and demanded I pay the amount being claimed. 

When I asked for verification of the charge that had been made I was told by the person that they had sent all that to me before and that I needed to pay immediately, I explained to the person multiple times that I had NEVER received any communication from them before and had NEVER received any correspondence by mail, by email nor by text. 

I told the person that I wanted to know what I was being charged for and what I had purchased. He was not able to provide me that information but said he would check and asked me to wait on the phone. I agreed to do this and a few minutes later the call was disconnected by the caller. 

I called the number and spoke with a different person who more or less repeated what the first person had said. This person also caused the call to be disconnected. 

I called back again and this time was able to be transferred to a department which I was told by the colletion department would be able to answer my questions about the purchase and the amount owed. I was again disconnected. 

I called again and this time I was able to speak with a person who was able to answer my question about the purchase and to also explain the reason that the bill they were trying to collect was more than 7x the original purchase price. 

When I explained that I had NEVER received a bill from the company the person with whom I was speaking verified that the company had entered my email address incorrectly. 

Thus the reason that I had NEVER RECEIVED A BILL. 

I asked if it were possible to waive the late charges and fees. The person with whom I was speaking referred me back to the collection department. The call was disconnected. 

I called again and finally spoke with a person who was able to waive the penalties and late fees. 

However, the company had issued a late payment to the credit reporting bureaus and as a result my credit worthiness has been severely impacted. 

When I called the company to ask about this I was told to present a request and reason online which I did. 

I have received a response to that request I made by the company saying I am not qualified to have special consideration. 

I am filling reports with the various credit reporting bureaus -- this is something I have had to do on my own without any statement by the credit card company that this is my right to protest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 



Based on, IS U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identiftes as information that resulted from an alleged identity then, not later than 4 business days after the date of reccipL It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, IS U.S Code 1681 b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consurer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

Received credit report and noticed that an account was turned over to collections. I was shocked and appalled. Do not recognize this account. However I do recognized XXXX XXXX. Services were provided in 2013. I never received any notices that bill was past due. I also felt that XXXX was to have filed a claim on my behalf in accordance with XXXX procedures. I checked with MEDICARE and was informed that they show no records of any claims in the amount of {$850.00}. A duplicate bill in the amount of {$850.00} along with XXXX form was sent to XXXX. XXXX stated that in order to process bill, I must completed the XXXX form and return along with the bill. No correspondence ever received stating that claim had been denied. Lead to believe that bill had been processed. Feels like I am getting the run around and am being penalized for the non-actions of others.
Product: Debt collection

I disputed with transunion on the debt that the account was fraudulently opened because I have XXXX knowledge of said account. I never opened an account with said company. It says its in collections now and if thats true, Ive received no notice of collections and no information on it. So Id like to know who, why and for information on it. When I message the company they said it was being serviced by another group and they forwarded my message and this was on XXXX. Yet that other company hasnt responded. This said collection/ account seems suspicious to me.
Product: Bank account or service

I disputed a claim from XXXX XXXX that was denied due to proof that I authorized XXXX transactions using a PayPal account that I do not have that totals to {$1000.00}. I was informed that XXXX XXXX will not be refunding my money back until I submit more proof that I did not authorize the transactions. XXXX XXXX also stated that I will have to get that refund from the merchant, which is PayPal. I have been contacting PayPal about a refund, but they stated that since I filed a dispute against XXXX XXXX, that they have no power over getting me a refund. I continue to go back and forth with the XXXX companies but nothing is being done.
Product: Debt collection

Diversified Consultants is trying to go after me for a debt that is not mine. I feel like I have been tricked into paying an account that is fraudulent. Therefore, I finally filed an Identity Theft affadavit to get this cleared up.
Product: Mortgage

On Tuesday, XX/XX/XXXX, the bank advanced a forced flood payment in the amount of {$1300.00} from my loan balance which increased my principle balance, without my authorization. I went to my local bank to show them I already had an existing Flood Insurance Policy that was renewed since XX/XX/XXXX. The local bank manager informed me she faxed a copy of the policy to the Main Office. On Monday, XX/XX/XXXX, the bank again advanced a forced flood payment in the amount of {$1300.00} from my loan balance which again increased my principle balance, without my authorization. I contacted the bank several times by phone and in person to notify them of my existing policy, to no avail. On Wednesday, XX/XX/XXXX, this bank had the insurance company extract {$1900.00} from my escrow account with my first mortgage company. I called the bank to resolve this issue of paying two separate flood insurances for the same home and was told by the young lady that I was going to pay the insurance as long as I owed them or I had the option to refinance.
Product: Bank account or service

On the date of XXXX XXXX while trying to make a {$500.00} deposit at a Wells Fargo branch the teller stated to me that I forgot to put my account number on the deposit slip after giving her my money and I.D . The slip was returned to me along with my I.D . but no money was returned. So at this point I feel out another deposit slip and return to teller she says to me I see you want to deposit {$500.00} but there is no money. I stated to her I gave you {$500.00} in {$20.00} bills she replied back that I did not. My issue here is that the bank did an investigation on Monday the XXXX of XXXX because there was no security on site on the date of the incident. My money was returned to my account on Monday evening of the XXXX. The explanation I was given was it was a mistake but never saying what happened and the explanation came from the police Dept. I feel as a consumer I deserve a better explanation then it was just a mistake. My question is where did my money go at that time of the mistake and why could n't the mistake be cleared up at that time. As being a part of an investigation I feel I have the right to know the out come of the investigation in full. Giving me my money back was appreciated but doing this with really no explanation but only it was a mistake is like saying here is your money now go away. Again I need to know the truth in this matter.
Product: Payday loan, title loan, or personal loan

On XX/XX/21 at Regional Finance I was approved for a loan even though I never filled out a application. The service was curbside and she brought the paperwork out to me. I asked about the amount, payments and was given vague answers. She not once explained the terms to me. She just continued to have me sign. I asked if she wanted to sit in my car so she could explain the terms to me. She said I cant do that. I know I should have insisted on a explanation of the terms. I trusted she would give me terms and payments I could afford. This was so rushed. She sent me home with the check no paperwork for me to look over. Then I get the payments in the mail XXXX monthly and this is for 3 years at 80.811 %. I can not afford these payments for 3 years. How she qualified me not sure. I do know that on the property she stated items that I do not own. I got this from the branch manager and I did tell her I do not have these items. Life insurance was added in which I did not want. I feel this representative did wrong by lying. Curbside for a loan. I have gone by and others are allowed to go in and sit down to have the terms explained. I also feel I was targeted. The branch manager said I have good credit. Then why was I given this interest rate and 3 years in payments. Something is not right in the way this representative gave me this loan. I was not given any paperwork to take home with me so I could review. I believe this was done intentionally. I should have insisted on having the loan explained to me in detail. I trusted she would do right by me. I was wrong.
Product: Credit card

Someone used my information to purchase things in the company did not comply with regulations as far as some agreement.
Product: Debt collection

Kansas Taxes Of 2018 XXXX Offered. XXXX down Payment Option And Negotiate Weekly Of Monthly Payments
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, XXXX hospital, debt collector and credit agencies ruin my credit record/financial record. I had a deductible health insurance in XXXX. We have XXXX kids and their primary doctors were from XXXX hospital. We never had issues in 9 years with them, all bill were paid and no obligatory record yet. In XXXX, we had couple emergency visits in XXXX XXXX XXXX and a few doctors follow up in XXXX. I had a total of {$2600.00} deductible/year. Out of that I paid {$1300.00} for my portion and {$1300.00} left in total for family. My son was recommended some therapies in XXXX hospital. The XXXX XXXX hospital used wrong medical code for billing and sent me tons of bills. I had contacted XXXX in their billing department several times and other later on. None of their people helped me. Then I reached to my insurance facilitator XXXX XXXX and that was finally resolved. Later on the primary health care unit of XXXX acquired by CT XXXX hospital. Then our nightmare starts. Newer management start to send several bills without processing through insurance company. I called several times but never worked to my case. I made some payments worrying about bad. At the end of XX/XX/XXXX, I got mails and calls from another fraudulent debt collector XXXX XXXX XXXX, XXXX, CT to collect a {$750.00} & {$120.00} bills. I told them, the insurance records shows that amounts were paid out and asked them to find the reality and send me the final bill if I still owe. They did not do that. At the same time, I reached XXXX XXXX, a broker agency to XXXX who have similar unprofessional XXXX. They changed words and fake report several times. All these agencies put me in trouble and I did not know what was going on. At the begin of XXXX, the debt collector reported my debt to credit bureaus. Then, I called debt collector, hospital and sterling benefits why they did that. The XXXX XXXX told me they paid bill in my daughter instead of my sons account. I already cleared my daughter bills but, the children hospital, CT took money from me and insurance. The XXXX  XXXX Hospital overpaid {$340.00} for XX/XX/XXXXand still tried to collect from me. I paid out the due in my son 's account per their final work. The hospital assured me to send the overpaid money back and correct the credit report. Both things never happen yet. I filed complain in Better Business Bureau, The XXXX & Transunion both show the records deleted from record however, my credit score is veered off and collection record is still there. I never got the money from the XXXX hospital that I overpaid, the XXXX hospital still trying to still me and the hospital along with XXXX XXXX XXXX ( debt collector ) destroys my credit record. It is a big fraud. I am a hardworking of XXXX little children and this fraud destroys family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX fail to remove the old address on my report which I stated to them to remove the information on my report, its still on my report. They refuse to move the items off my report thats against my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion Bureau, I have already contacted you but haven't received any results so far. I am XXXX XXXX, consumer of TransUnion. There are some Fraudulent Hard Inquiries on my credit report. I called the lenders in order to remove those inquiries and let them know that it wasnt me who applied. They told me to contact Credit Bureaus. I called Transunion customer service and they provided me with my file number : XXXX. Also they asked me to send a letter along with an FTC report in order for these fraudulent inquiries to be removed. Im enclosing the FTC Report to this letter. These hard inquiries are not mine, please remove them from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Fraudulent Accounts Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. These items were added without my authorization due to identity theft caused by a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that these accounts and inquiries be removed from my credit report immediately. 
Fraudulent Accounts : XXXX XXXX - XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$3400.00} XXXX XXXX XXXX- XXXX - XXXX - {$2400.00} XXXX XXXX XXXX - XXXX XXXX {$510.00} Fraudulent Inquiries : XXXX XXXX XXXX - XXXX
Product: Debt collection

The creditor of IQ Data International keep calling about false debt and threatening me over the phone. I told them thee debt was inaccurate but they keep calling
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX regarding their mishandling of a collection dispute I re-submitted on XXXX. I have submitted numerous times previously but I am not able to pull dates online as they are not able to be viewed online. 

I have a collection account listed on my XXXX credit report from XXXX XXXX XXXX for {$6100.00}. I believe this collection is inaccurate and should be deleted from my report for the following reasons : Incorrect dates or amounts Payments not reflected Debt not legally enforceable Incorrect Notice and Move-Out Dates : Your records incorrectly state the notice date as XX/XX/year>, and my move-out date as XX/XX/year>. However, I provided written notice of intent to vacate on XX/XX/year>, and officially vacated the property on XX/XX/year>, as supported by my email correspondence with the community director. In that email, the community director authorized leaving the keys in the drawer upon departure, which I adhered to. 

Misapplication of Security Deposit : The lease explicitly states that management is required to apply any held funds, including the security deposit, towards any outstanding balances. This was not reflected in the final statement provided, which is in direct violation of the lease terms. 

Unlawful Late Fees : The lease states that only {$200.00} late fees are valid. The imposition of daily {$10.00} late fees for a period of XXXX  days ( totaling {$120.00} ) is not mentioned anywhere in the lease agreement and constitutes an illegal practice under applicable Georgia law. As such, I am not obligated to pay these charges. 

Other Discrepancies : The total outstanding balance of {$6100.00} includes charges that are ambiguous and unsupported by documentation or contractual terms, further invalidating this claim. 

I have provided XXXX with a lease, a document of charges including charges that are not legally chargeable, proof of inaccurate dates listed, and proof deposit was never credited to the final balance. Despite submitting this evidence, XXXX has maintained that the collection is valid. I believe XXXX is not conducting a thorough investigation of my dispute and is failing to properly review the evidence I have provided. 

I request that the CFPB investigate XXXX 's handling of my dispute and take appropriate action to ensure they comply with the Fair Credit Reporting Act ( FCRA ). I also request that XXXX be required to delete the disputed collection from my credit report.