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

Dear Sir/Madam please see the attached letter regarding inquiry made by XXXX CREDIT CARD We accepted the application as Fraudulent Dear XXXX XXXX XXXX : Were writing about your inquiry, which we received from the Consumer Financial Protection Bureau on XX/XX/XXXX, about the credit card application you did not authorize. 
We advised you in the letter we sent to you dated XX/XX/XXXX that we had received an application on XX/XX/XXXX using information that verified to you. You notified us on XX/XX/XXXX that this application was not submitted by you. As we advised you in the letter sent to you, we accepted the application as Fraudulent. We have enclosed the letter dated XX/XX/XXXX for your review. 
We also asked the credit reporting agencies to mask the credit inquiry from your credit report. Only you and the reporting agency will be able to see the inquiry. It wont be visible to any other organization that reviews your credit report. During our phone call with you on XX/XX/XXXX you stated that you wanted the inquiry to be removed, not masked. We advised you that you would have to contact the credit reporting agencies directly and request for the inquiry to be removed. 
As stated below, we can not guarantee, warrant, or take responsibility for the performance of any credit reporting agency in changing, deleting, or making entries in relation to any derogatory credit information. 
Please allow sufficient time for the update, and then request a new copy of your credit report. Here is the contact information for the four national credit reporting agencies : XXXX  XXXX   TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX, GA XXXX XXXX, PA XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion.com XXXX If you have additional questions about this issue, please call XXXX at XXXX, extension XXXX
Product: Debt collection

Called rent debt automated collections on multiple occasions on XX/XX/XXXX I called around XXXX and I was transferred to multiple people who could not answer why I had a collections amount with them when I originally only owed the apartments {$1200.00} dollars for 1 months rent I tried to make payment and I was told I needed to contact the apartments because they denied payment and they will Have someone give me a call Back regarding balance never received callback, I made another call on XX/XX/XXXX to understand why I still havent gotten a call back regarding the fees that were added and why the cost is what it was, and I was told I needed to call the apartments to find out what the fees are for when I contacted the apartments they explained the fees are no longer with them and that I need to contact the collection agency, once again I called The collection agency on XX/XX/XXXX and the person I spoke to stated it was the apartment fees and he couldnt explain what the fees were for and informed me if I didnt pay {$6000.00} dollars I would have my account red flagged and I will be sued if I didnt set a payment arrangement with him To pay an amount I do not owe and no one can explain where these fees generated from or how the because {$6000.00} from the original amount of {$1200.00} that I agreed to pay and I dont understand why this continues to happen and be treathen to be sued and taking to court on a debt I have been trying to pay for months.
Product: Debt collection

I moved out of my apartment of XXXX XXXX in XXXX FL in 2015. After moving out the manager for the apartment complex attempted to collect {$1000.00} from me. I reviewed the bill and pointed out that my deposit of {$670.00} was never applied. 

It took months to get her to respond to me. When she did, she claimed the balance was accurate and refused to apply the deposit. 

I attempted to call the corporate office and left several messages. I did this for more than a year ; call the apartment complex and corporate office with no results. 

Two years ago I was applying for an apartment and was being refused unless this was fixed. I went and sat outside of their office until the current manager arrived. She was very kind and reviewed my account and noticed the deposit was never applied. She then applied the deposit and wrote me a letter on company letter head to show the correct balance. She claimed she would update her corporate office and XXXX XXXX. 

It was affecting my ability to find quality living, so I needed that document signed by XXXX XXXX. 

She claims to have updated the collections company XXXX XXXX, but two years later the collections company is claiming they can not call XXXX XXXX. I called them back two months later and then they claimed to have never received anything. They refuse to accept the written document I have and are claiming XXXX XXXX is now denying to update the balance. 

I would have paid this off 7 years ago if they had just been honest and applied my deposit. 

XXXX XXXX is a rip off and XXXX XXXX at best.
Product: Credit card

I have always made sure that payments on this account are made on time, never allowing them to become overdue. However, I am unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company states that the XXXX XXXXXXXX and XXXX XXXX was verified with the furnisher, United States bankruptcy XXXX, XXXX XXXX XXXX Alabama. I have a letter from the United States bankruptcy XXXX, XXXX XXXX XXXX Alabama stating they do not report to any credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged XXXX XXXX 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

15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1 681 section 602 A. States I have the right to privacy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

On XX/XX/2023, I attempted to make my car payment through the West Lake Financials website. Due to the website was not accepting my payment at the time, I tried again to avoid my payment being late. On XX/XX/2023, I received XXXX emails saying that my payment had been processed and given XXXX different confirmation emails. To avoid having my account overdrawn, I contacted both Westlake Financial and Bank XXXX XXXX.XX/XX/XXXX XXXX suggested to avoid my payment being late, to contact Westlake Financial. I contacted Westlake Financial on XX/XX/2023 at XXXX PM EST. I was told by the first employee that they were unable to see on their system that they had processed my payment XXXX extra times. I requested a supervisor and was on hold for XXXX minutes. I hung up and called back immediately. The second employee I spoke to informed me that he did see the payments. I requested to speak to a supervisor when I was placed on hold for another XXXX minutes. When the employee came back on, I was told that he had canceled the extra payments to avoid my bank account being overdrawn. On XX/XX/2023, my account was overdrawn with a total of {$2800.00}. My car payment is {$700.00}. On XX/XX/2023, I called Westlake Financial to be told that they could only refund XXXX payment at a time and I would have to call again the next day, Monday, and Tuesday to be refunded each of my payments. I asked to speak to a supervisor and was told that they were unable to be reached, I was on hold for XXXX minutes until the employee hung up on me. I again immediately called back and asked for a supervisor. I was placed on hold for another XXXX minutes before speaking with a XXXX, XXXX. I made the XXXX, XXXX, aware of all incidents that had occurred and demanded the refunds be processed all at once. She then placed me on hold. When XXXX returned to the call, she informed me that she has processed the return for the XXXX payments that were not supposed to be processed. On XX/XX/2023, XXXX claims she returned my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint earlier this month about addresses being incorrect on all of my reports ( Experian, XXXX, XXXX ). Instead of updating the address on the reports, I received a letter from CFPB stating that the complaint was submitted by someone not me even thought I supplied identification in the complaint as an attachment. Please make the corrections as asked before because I don't know who the other addresses belong to. I needed this done 30 days ago.
Product: Debt collection

This is from ten years ago, and not my debt. I straighten this out with the original company and they sold it. It keeps being bought by these little credit company. They change the date and harrase me and mess up my credit rating. They threaten to sue and have me arrested and call me a lair.
Product: Mortgage

I was approved through Centennial Lending Group LLC. for a XXXX loan and the branch manager had told me I was good to go on multiple occasions. Gave me a pre-approval letter and said I was good with their underwriting system to make an offer on my house. Which they knew I was on a time crunch for due to having my current house already sold. A few weeks into the process after already being under contract, they come back and said we are no longer qualified due to the fact of my income to debt ratio. Which is something they knew up front and if they would have looked at since they had my credit report since day 1. The only thing they said was sorry, my fault. Then they told me on 2 different occasions after that I was good to go for a FHA and conventional loan. Then come back a couple days later and say no I am no longer good. I talked to the owner of the company and she said that it was not their fault that they messed up. Their multi-week mistake left me with a house that sold and no longer a house to move into. This is a LOT of XXXX for a XXXX vet to have to deal with on top of all the other issues they have to deal with as well. This company took zero responsibility and did not do anything to try and make anything right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to car dealership and they promised me that theyre going to check with one lender, over time I checked my credit report and its has several inquiries. I am now in a position of bad credit and its holding me back from opportunities and its extremely hard for a dad to help his family with bad credit I need help removing inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

While checking my most recent credit report, I noticed unauthorized, false and fraudulent reporting inquiries made by the following companies : Inquiries in Dispute : 1. XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 2. XXXX XXXX Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 3. XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; TransUnion, written permission or my consent to furnish this information onto my credit report or consumer credit file. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The inquiry was not authorized Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX. The inquiry was not authorized Date : XX/XX/XXXX XXXX XXXX XXXX The inquiry was not authorized Date : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX
Product: Credit card or prepaid card

Yes on my Walmart card. List it back on XX/XX/2019. They sent me replacement. Card. But clised my account hurt my credit report. Like too see if I can get closed account deleted. Was nit my fault. They should correct too all 3credit bureaus. I'm.on XXXX going thru hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Original balance XXXX and now they saying the balance as of today is XXXX The balance amount has changed over time I filed a dispute but credit company sided with them Dont know anything about the company that has this account The company repoed my car years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account number XXXX XXXX, XXXX & XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I have contacted the credit agencies about debt collections with companies I've never done business with. My information was leaked and ssn, dob, email was exposed. there are charge offs still showing up, inaccurate balances
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX XXXX. Put down my payment received my card and used it as needed. Sent in my payment and the company returned the payment to my bank. This has happened time and time again. I have called and was told my payments were never received. However I have proof the payments were received. My account was fully paid in time.
Product: Checking or savings account

I went to chase Bank on XX/XX/2023 spoke with XXXX  about a electronic funds withdraw to another person to whom was scamming me she confirmed they could refund the this happened at around XXXX. By the time I was done the bank was closing so I wasn't able to do it that day to reverse the funds. The woman confirmed with me along with a second teller that I was able to refund the amount tomorrow ( XX/XX/2023 ) I went back that day to reverse the funds because I knew this was a scam and fraud. The teller then told me I'm no longer able to do it after that XXXX hour time period was done even after they told me that they would be able to do this. They knew I was being scammed out of this money and I felt as tho I was as well and had confirmed that I would be able to get my money back that day after I knew for sure it was a scam. The branch assistant manager then proceeds with me to assist informing me that there was no way they can help and that these tellers have given me false information. These scammers stole {$2500.00} from my account and put it into there account. The branch assistant manager told me the claims department would be able to help because they deal with all fraud and scams and would send me provisional funds. They did not. I have filed XXXX claims on my account snd they have told me even with police reports there will be nothing they can do as they don't cover scams and will not be refunding my money. I can not stress the importance of this matter enough this money was for me to move and these people that got the money scammed me and pretended to be home owners when they were not. I have already filed with the FTC. I was told by another claims member that if I have the police report they would be able to help. They continue to give me false hope and false information until I reach a claims supervisor. Once spoken with him he told me no matter what happens even with police report and ftc report there is no way they will be giving me my mo ey back. I can not afford to loose this money and will be having to file a law suit against my bank if I can not receive my money back. I will be taking chase to court for lying and giving false information. I am filing a police report for this as well. I have the names date and times of all the tellers and location of the bank. I will be getting there survalnce sent to me to prove that they Gave me this false Information with false hope. Please help me I can not loose any money I need it to move. I am supposed to be moving in XXXX month and that was my moving money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I signed with XXXX  in XXXX at which time XXXX XXXX  agreed to the payment contract terms. Payment is made every month on the XXXX, due to the 30 day rotation for the month of XXXX the payment was received XX/XX/XXXX although the month close XX/XX/XXXX. XXXX proceeded to report an increase to my balance of {$13.00} and a late payment, there fore diminishing my credit score. Prior to signing with XXXX  all my payments had been on time and paid in full now my credit is showing a derogatory credit history for XXXX. I have tried calling several times, sat online with the online help and nobody has offered a resolve, I have worked at being pro-active to find I am being challenged by the reps specifically a gentlemen by the name of XXXX XXXX. I have asked to have the billing date changed to avoid further issue and all I am told is they can't do that I have to go back to debthelps and ask them to adjust the contract ( already agreed by XXXX ) and there are approximately eight credit accounts on the same contract with XXXX, no other creditor has an issue. I have spoke with XXXX  XXXX, XXXX XXXX, XXXX, XXXX, a XXXX and at through the online chat 6 other individuals. I have used the automated phone system and been hung up on by it at least 12 different times saying " do to unforeseen circumstances there is no-one to answer the call '' disconnect.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXXXXXX XXXX  XXXX XXXX has violated my rights First XXXXXXXX XXXX  # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights. 

XXXX XXXX # XXXX has violated my rights XXXX XXXXXXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX  # XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX  XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I moved out of an apartment XXXX on XX/XX/XXXX. XX/XX/XXXX I received phone calls from Ideal Collection Agency for {$930.00}, that the leasing company was charging me for damages to the apartment. Prior to this I had not received a notice or call from the leasing company regarding the charges. They claimed that they sent a certified letter to the address on file. However, I never received the letter, and even have an email proving that I updated my new mailing address within 30 days after moving. According to Florida statute XXXX, the leasing company has 30 days to send me a certified notice of any charges or forfeits their rights to them. I never received this notice. 
I sent Ideal Collections a certified letter explaining that the company forfeited their right according to the Florida statute XXXX, and that according to the Fair Debt Collections Practice Act they must acquire proof of the damages as well as proof of the certified letter receipt. No such evidence was produced because I did not receive the letter to sign for it. 
Instead the Ideal Collections company sent me a copy of the bill from the leasing company with the end of the required notice missing from the page. I would not know how to respond based on their bill. 
The Ideal Collections company is trying to acquire funds that the leasing company is not entitled to. They did not submit the certified letter to me within the 30 days, and never notified me otherwise of this debt.
Product: Mortgage

My mortgage loan was transferred from XXXX XXXX XXXX XXXX ( XXXX ) to FREEDOM MORTGAGE on XXXX XXXX, XXXX. I made my XXXX payment to Freedom Mortgage from my checking account on XXXX XXXX, XXXX. Subsequently, on XXXX XXXX, XXXX I received a letter from Freedom Mortgage dated XXXX XXXX, XXXX indicating that they had " not received my XXXX payment in the amount of {$2800.00} making my loan past due ''. I called customer service on XXXX/XXXX/XXXX and at their request I submitted proof of payment from my bank. Freedom Mortgage then initiated an investigation. I subsequently received a letter from Freedom Mortgage dated XXXX/XXXX/XXXX stating that " After reviewing your account, our research indicated that the payment for {$2800.00} was returned on XXXX XXXX, XXXX at the request of XXXX XXXX XXXX XXXX '' On XXXX/XXXX/XXXX I sent an email to Freedom Mortgage Customer Service asking for an explanation as to how happen I make an on time XXXX payment to Freedom Mortgage and then the payment is RETURNED at the request of a 3rd party ( XXXX )? Returned where? The payment did n't come back to me. I made the XXXX payment to Freedom Mortgage and now Freedom Mortgage is sending me notices as if my payment was n't received and that my account is past due. This experience has left me with an extremely poor first impression of Freedom Mortgage as the new servicer of my mortgage loan. To date Freedom Mortgage has not adequately addressed my inquiry and a timely response has been lacking. I have not yet submitted my XXXX payment to Freedom Mortgage because I have no confidence in what they will do with it. Will a 3rd party request that payment too and will they send it away again without my knowledge or consent and then persist in sending me past due notices?