23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

After suffering the loss of my XXXX year old brother and diagnosis of my father with untreatable XXXX, I returned to Florida to help my family and was burdened with hurricane Irma 's wrath right upon my arrival. I struggled to make payments but set up a Target facilitated payment plan in XXXX, however they continue to charge late fees ( I understood interest to be charged, but thought the plan terminated these fees ). I even called and their representative said a payment plan would stop the fees, and when I questioned why I was then charged fees from XXXX through XXXX, despite making the agreed upon payments. She refused to offer any explanation or help with the {$100.00} in erroneous, unfair, and unexplainable late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account listed below continue to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible.XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am presently in bankruptcy largely because the mortgage company increased my mortgage by XXXX dollars without giving me a fair chance to replace coverage that was unintentionally dropped during an insurance change. The mortgage company holds a primary mortgage and a secondary loan. The last payment I made was for the primary loan and I informed them that I would pay on thesecondary loan in the following week however, the mortgage company applied XXXX dollars of the XXXX I payed and applied it to the secondary loan and I don't know what they did with the rest, then they added XXXX to an already exagerated amount they say I owe.This is only one incident of manythat I have experienced with this company.The mortgage conpany is Essex Mortgage XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX.
Product: Credit card

On XX/XX/XXXX I attempted to pay my maintenance fees to XXXX XXXX XXXX XXXX XXXX on line in the amount of {$2100.00}. I was using my Sears XXXX. When I clicked " pay '' I received a pop up from Sears that something went wrong and to try again. I did so, and the payment was successful. I thought that was the end of it. However, in XXXX I received my billing statement from Sears and they were charging me for two payments to XXXX XXXX each in the amount of {$2100.00}. I immediately called Sears and they informed me they would issue me a credit for one of the payments. I paid my Sears bill less {$2100.00} and again thought that was the end of it. However, in XXXX I received a bill from XXXX XXXX notifying me that my maintenance fees were past due. I called them on XX/XX/XXXX and was told they had received payment from Sears but Sears then clawed back the {$2100.00} on XX/XX/XXXX. I paid XXXX XXXX over the phone using a different credit card. Since then, I have been trying to get Sears to give me a credit in the amount of {$2100.00}. Sears however is telling me they never clawed back the {$2100.00}. That has left me being out {$2100.00} and both companies telling me the other is at fault and neither company providing me with evidence of what happened to my money.
Product: Mortgage

I have filed QWRs with both of my mortgage holders. I believe that the response I received from both companies does not meet the legally required guidelines that have been set forth. They seem rather condescending and unwilling to provide the requested information. I do n't believe that said information is proprietary or restricted in any way, after all it is my loans that we are discussing. 
I would greatly appreciate any assistance in obtaining my requested information from these XXXX companies. I would like to know the legal status of my loansl I have attached my initial correspondence with both companies. 
Thank you for any assistance you may be able to provide.
Product: Debt collection

I opened 2 secured Credit Cards with Capital One to start establishing a credit history. I used the cards for a few months then I stopped and was going to pay the balances off. The cards only had a {$200.00} limit. A couple months later I started receiving letters saying that I owed them money for some charges that were made on the account that sent me over the limit. I explained to them that I had n't used the cards in a while because it was no money on them then asked them how was it even possible to go over the {$200.00} credit limit when it 's a secured card. I looked into what was going on and found that it had been some fraudulent activity on both my accounts. I explained to them that I lived in a house with strangers where I was renting a room and it 's a strong possibility that one of them could be responsible. They did n't follow up with me, nor did they look into it. They kept harassing then eventually sent the information to the credit bureaus and its impacting my credit negatively. They reported that I owe over {$600.00} on each account. How is that possible with a secured limit of only {$200.00}?
Product: Payday loan, title loan, or personal loan

THIS LOAN IS NOT MINE, I FILED PAPERS WITH MOBILOANS, AND NOW THEY HAVE SENT ME TO COLLECTIONS. THIS HAS CAUSED A NEGATIVE TO M Y CREDIT SCORE  AND I 'M JUST TRYING TO GET THIS HANDLED. APPARENTLY WITH JUST SOME BASIC INFORMATION YOU CAN OBTAIN A LOAN WITH THIS COMPANY WITHOUT VERIFICATION
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXXXXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX XXXX XXXX {$960.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX & XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : XXXX ; XXXX XXXX XXXXXXXX Balance : {$65.00} ; XXXX XXXX XXXXXXXX Balance : {$80.00} ; XXXX XXXX  XXXX Balance : {$15.00} ; XXXX XXXX  XXXX Balance : {$260.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I pulled my credit report from XXXX and an unauthorized collection account from CONSUMER ADJUSTMENT CO, on behalf of XXXX XXXX XXXX XXXX, reporting in the amount of {$1200.00}. I have contacted the company via certified mail for verification and validation bearing my signature of this account that was signed and delivered on XX/XX/2023. XXXX has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XX/XX/2023 and no response. Due to the lack of communication, I then contacting XXXX regarding this account and they have yet to provide any validation and verification bearing my signature regarding this unauthorized account. XXXX XXXX, XXXX, XXXX did not honor my request of validation ; yet the credit file under my social security number has been marked as verified. This entry must be DELETED from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX  both have a debt listed on my credit report as XXXX XXXX XXXX XXXX  '' or " XXXX ''. These are medical debt that have previously been removed from my report and marked as identity theft -- The original creditor, XXXX XXXX, was informed and subsequently removed the accounts from my report. 

However, the debt was sold ( again XXXX and now the new debt collection agency ( XXXX  ) listed the items on the credit report. When attempting to dispute the items Equifax correctly removed the debts, but XXXX XXXX Experian both " verified the information as accurate ''. 

In my dispute I CLEARLY asked for proof of debt as per section 609 of the Fair Credit Reporting Act-a creditor or collector must provide you with a copy of the original, signed consumer contract, sales agreement, or other initiating documentation XXXX financial responsibility agreement for medical bills ) once it is demanded by a consumer. Not only did they not provide this documentation -- they simply left the information on my report. 

This is also a potential HIPAA violation. Providing said documentation would be a direct HIPAA violation- as it would disclose medical diagnoses and test performed to whomever the actual owner is!
Product: Credit card or prepaid card

On XX/XX/XXXX I was charge an erroneous {$500.00} with XXXX on my capital one card and was advised by XXXX to dispute the transaction because XXXX was unable to credit the amount back to my card. During the dispute process I reported XXXX to the FCC about what happened. A guy from XXXX called me about the fcc report and was able to credit my {$500.00} dollars back to my account. Capital one credited my card 2 times and took money back from XXXX leaving me with a {$500.00} balance with XXXX again. Since I got a credit from both sides i went ahead and paid off the new {$500.00} balance since I was not supposed to have gotten two credits, and thought all was well. I get a charge on my capital one on XX/XX/XXXX for a rebill for the original dispute back from XX/XX/XXXX sending back to the money to XXXX, AGAIN. This is the same {$500.00} I had already paid XXXX directly to XXXX back on XX/XX/XXXX. So i call and inquire whats its for and they advised me that it was the original XXXX charge. Not only are they charging me that, but also charging me another {$500.00} to cover a second credit that they mistakenly gave me. So now, instead of owing {$500.00} I owe {$1000.00}! ( I do owe {$500.00} back to capital one for the double credit but not the {$500.00} extra for the rebill back to XXXX. ) I spent 9 hours on XX/XX/XXXX trying to get this resolved with capital one and XXXX. Both companies are pointing fingers at each other and now I'm having to deal with another {$500.00} charge that I've already paid back directly to them.
Product: Mortgage

My name is XXXX XXXX with a card ending XXXX. I have a mortgage in a Keybank account. 1. KeyBank 's mortgage system is so terrible. They charged me 3 times without any notice. Please see attached pic. 2. They told me to set an automatic mortgage payment to avoid the service fee, I did go to their branch to set it and they still charged for it. They said it will be effective from XXXX. So we still charged your service fee. Actually, their staff in the branch told me I will not be charged for that. 3.

Please refund me the service fee of {$25.00}. Do not let the customer pay your own fault!
Product: Debt collection

During a review of my credit, PROFESS ACCT was listed and attempting to collect XXXX debts. I contacted the company, and the representative initially could not locate either debt. After several attempts, the debts were located but limited information was available. I contacted the XXXX using the limited information and was given further instructions. In any event, the first debt resulted in a case of mistaken identity ( Similar name, wrong person ). As for this debt, which is listed as a parking ticket, I have no record of receipt. Therefore, I am disputing this debt. I have contacted the XXXX and requested more information. However, I have not received anything to date. I have also sent PROFESS ACCT a letter disputing this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Thank you. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I discovered that some accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX is still reporting on my Transuion and XXXX report. Its been removed from XXXX. I was told that its not reporting on my credit report it still is. XXXX XXXX has stopped all calls and email regarding the debt. It was stated that its no long reporting on my credit report.
Product: Checking or savings account

I was a customer of SunTrust for over 20 years and never had any problems. When it merged and became Truist, I started getting charged ridiculous arbitrary " assessment '' fees on international transactions, including on top of ATM withdrawal fees. I spend most of my time overseas, so these fees add up quickly, and they are something SunTrust never charged. Truist claim to have sent a letter notifying me of this, but I never received it and I never would have consented had I known in advance. I have contacted the bank many times, but they claim there is nothing they can do, which is only because they don't want to do anything about it. This is straight-up theft, and unless these ridiculous fees are canceled, I will be closing my accounts and taking my money elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

The last letters I sent to the Credit Bureaus was XX/XX/XXXX, but no response was ever received from them. Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

ON XXXX OCCASION I REQUESTED MY CONSUMER FILE DISCLOSURES FROM LEXIS NEXIS. THE SECOND REQUEST WAS AS RECENT AS XXXX XXXX 2024. 
I USE THE COMPANY OWN OWN REQUEST SYSTEM SUPPLYING ALL MY IDENTIFIABLE PERSONAL INFORMATION, AND XXXXXIS NEXIS RESPONSE TO THE SUBMISSION WAS BY MAIL SAYNG TO SUMMITT MY INFORMATION USING THEIR SYSTEM SUPPLYING THE REQUESTED INFORMATION. LEXIS NEXIS IS ENGAGING IN A STALLING TACTIC TO KEEP ME FROM ACCESSING AND KNOWING WHATS ON MY CONSUMER FILE. THIS IS BEING DONE TO PROHIBIT ME FROM DISPUTING ALL THE INACCURATE INFORMATION THAT IS LOCATED ON IT. THIS IS A COMPLETE. DENYING ME ACCESS TO MY CONSUMER DISCLOSURE IS A VIOLATION OF THE FCRA, AND IF NEED BE I WILL ESCALATE THIS TO A LEGAL VENUE IF ACCESS TO MY REPORT IS NOT HONORED. THIS REQUEST IS BEING MADE THROUGH MY VERIFIED CFPB PORTAL SO THE IDENTIFICATION HAS BEEN IDENTIFIED AS BELONGING TO ME THE NAMED CONSUMER IN THIS COMPLAINT.
Product: Credit reporting

1.There is a collections account on my Experian credit report that appears twice but listed under to different collection agency names. Experian claims that its not reporting on my report but that information is false. Company is XXXX with a balance of {$700.00}, XXXX, XXXX XXXX MO XXXX. The other reporting agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX with a balance of {$700.00} This inforation should not be reporting on my report information is not accurate. 
2. Collection recors with XXXX is not correct those bills were paid in full, comcast will not provide service if you owe a outstanding balance. These items should be removed 3.XXXX XXXX bank is reporting my late payments never late with payments. 
4. XXXX reports account in collection, this company filed a judement but never showed up in court to verify account, this item should be deleted from report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX sent in documents to Equifax .... And they also removed both XXXX Credit Card Account from my report, and have not added them back even after documentation was sent in verifying the account and that the institution was and still is reporting both accounts to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went over my credit report and I was shocked to see that there is an inaccurate inquiry being reported on my credit file. This derogatory inquiry is not mine and I have no knowledge of this inquiry. I have no knowledge of how someone would have access to my credit report and because of this, I have no chance of acquiring any new credit. Please conduct re-investigation into this problem and have this derogatory inquiry removed off my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion had received my letter with giving instructions to delete false information. My privacy as been violated by Transunion for furnish this false information without my writing consent violating two statues of the law 15 US code 1681 ( A ) ( 4 ) and 15 US code 1681 ( B ) ( 2 ). By doing so Transunion had allow debt collector to communicate with me in a form of furnish this false information and again violating my privacy and another statue of the law Pursuant 15 US code 1692c ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian and explained that I have NEVER applied for anything using my credit report. I have explained numerous times that the accounts for XXXX XXXX XXXX {$400.00}, XXXX XXXX {$1000.00}, XXXX XXXX {$200.00}, XXXX XXXX {$7300.00}, XXXX XXXX XXXX  does not belong to me. These are not my accounts and I have not received anything from these companies. I have been a victim of identity theft and these accounts were opened as a result of fraud!!!!!!! The address information used to get these accounts I have never lived at which are XXXX XXXX, XXXX XXXX, and XXXX XXXX in XXXX, IL. The only address that I have lived at my entire life is XXXX XXXX XXXX XXXX, IL XXXX. Please remove this information because I have not applied for these accounts and I have not received anything from these companies.