23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have written the collection agency several times to dispute the debt, but they continue to harass me with calls and letters. My daughter was a patient at XXXX XXXX, XXXX, California. She has been going to the hospital since her birth due to XXXX XXXX XXXX. On XXXX XXXX, 2015, my daughter went to XXXX XXXX for treatment. My health insurance company ( XXXX XXXX ) paid the full contracted amount for services rendered on that day. Despite several letters to dispute the amount and cease and desist request, the XXXX XXXX XXXX has ignored my requests and continued to harass me. I do not owe the XXXX XXXX because my insurance company paid for services.
Product: Credit reporting or other personal consumer reports

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. My name is XXXX XXXX XXXX. I do not have any requisite other Names or aliases and I do not desire any other names or aliases to be retained or reported, if any, delete now or produce proof of your legitimate authority to Retain much less report without infringing my consumer rights. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have any requisite other Current addresses and I do not desire any other addresses to be retained or reported, if any delete now or produce proof of your legitimate authority to retain much less report without infringing my consumer rights. I am currently in the process of purchasing a first home for my family. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

the customer service is horrible she doe snot understand what i ask gives me rong balance van not tell me what interest needs to be credited. which i do need. if i catn get interest back i cant use the card. 
i have XXXX bills and am a loyal cusotmer please help or i am not able to use all my cards with you. XXXX XXXX does this and moreplease train yuour customer service reps to speak XXXX welli will not put up with breakdowns and other losses. and scriptsalso i need to dispute the XXXX dolar charge from XXXX from mcsonalds. please hve someone follow up who can communicat effectivelynot staying on the phone for hours begging for interest. i am a good customer who does not want to bear interest based on my record if you inssist i cant use the cards any of them
Product: Debt collection

I paid the amount of {$420.00} to the XXXX XXXX XXXX XXXX XXXX XXXX ( Missouri ) on XX/XX/2020, which was posted on XX/XX/2020. 

I received correspondence from the debt collector Account Resolution Corporation on XX/XX/2020, regarding this paid debt, attempting to collect. 

Please see the attachments regarding this issue. 

Thank you.
Product: Credit reporting or other personal consumer reports

After Paying Lexington Law for fixing my Credit Score in the late XXXX They was taken XXXX dollars and month on the First of the month for about 10 months then after losing my job and I call and let them know that I wont be able to pay you guys anymore but the last time we talk because I lost my job my scores was XXXX and when I told them I lose my job they made me feel like no problem when you fine work give us and call right after that conversation I try to use my Credit on the in and Department Score applying for and Credit Card and I was Deny because of my credit when I left Lexington Law so did my Credit Score. 

I received and letter for and check of XXXX dollars from something that Lexington Law had did to me in XXXX  the name of this Company is cfpb Consumer Financial Protection Bureau and I call them I been waiting for someone to fix this situation I have not found any other Credit people to Fix my Credit Scores because I am scare to.
Product: Credit card or prepaid card

I had 2 balances on my account. 1 for XXXX good until paid in full and 1 at XXXX that expired on XXXX. I wanted to pay off the XXXX balance but wanted to make sure my payment would be applied to it so I contacted the company to find out the best way to go about this. The balance expired on XXXX and would go to XXXX on XXXX. I made the payment on XXXX expecting it to go to the XXXX balance as the terms are payments are applied to higher rate balances first. This did not happen. I have been speaking with company representatives for several months. On initial conversation with the representatives they agree that the payment was misapplied and tell me they will forward it for correction. It was never corrected and now I'm being told that it can't because I made the payment before my statement closed so the payment was applied to the highest balance on my previous statement. I've asked to be shown this in writing and that has not happened. I have the original card agreement documentation and the balance transfer offer and no where does it state that I must wait until my statement closes to make a payment in order for it to apply to the higher interest rate first. I contacted the company specifically to make sure the payment would be applied correctly and followed their advice and waited until the offer had expired before making the payment yet they left that balance at XXXX and applied my payment to the XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In XX/XX/2017, we were devastated by Hurricane Harvey and forced out of our homes. In XX/XX/2017, our mortgage company offered us a 3 month payment relief and told us at the end of the 3 months, we can either pay the balance in full or receive disaster modification. We accepted their offer as it was much appreciated during this time. We contacted the mortgage company several times trying to understand the program but no one we spoke to had accurate information. We started to receive foreclosure letters and collection calls and we were very confused. We were then told we would be placed on a " trial '' modification and to pay a certain amount for 3 months and after the 3 months, we would be modified for the 3 months that were forbearance. Our credit reporting has been impacted and showing 6 months of late payments, something we were told wouldnt happen. We are STILL awaiting this so called disaster modification we have been promised for MONTHS! We have done everything they have asked of us but we are not getting any true help. Its been one lie after another and their " attempt '' to help us has become the worst nightmare ever. As first time homeowners, this experience has not helped us at all! We wouldve preferred to struggle to pay the mortgage along with temporary rent elsewhere versus dealing with this continuous battle of unprofessional and inaccurate information from the lender. I want our account fixed. We were also told we have an escrow overage that will not be released until we get our account out of default. Theyve been dragging their feet and wont fix this account in order for everything to go back to normal. We cant make payments over the internet because our account is all screwed up. They didnt tell us when they offered the disaster assistance that everything would end up screwed and confusing. The collection calls, the threatening letters, the continuous lies and negative credit reporting should be illegal!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting on my credit profile inaccurate payment history. The accounts listed are paid on time XXXX  XXXX and XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I had a loan which was paid off on XX/XX/year>, Today XX/XX/year> i recieve a letter of garnishment of a amount almost triple of what i have paid for.
Product: Checking or savings account

I have had an ongoing issue of SoFi freezing my checking account even after the most minuscule of charges ( {$8.00} ). I have had to contact SoFi weekly to have my account unfrozen. However, this most recent action by SoFi is completely unacceptable and I now have no access to + {$11000.00}. 

On XX/XX/XXXX, while traveling on XXXX XXXX I was notified my debit card was declined. I previously let SoFi know I was traveling because I anticipated an issue. After arriving back in XXXX, I received this message on my SoFi mobile application, Account restricted - Your account is currently restricted. Please reach out to us as soon as you can for more information. 
I called the number provided and reached the XXXX XXXX. I was then told my account was restricted. I would not have any access to funds, I was unable to close my account, and could not take any action. When I asked the timeframe for resolution or the reason for my account being locked, I was told no additional information is available and I would need to periodically check the application for updates. 

I explained twice that these funds are urgently needed for food, gas, and other basic living expenses. Despite this, SoFi refused to provide any funds access, explain the problem, or give a timeframe for resolution. I am also unable to even close my account and take my funds elsewhere. I am shocked that SoFi can do this. I am currently listing my townhouse for sale next week and have numerous expenses that are now having to be put on hold due to lack of access to funds. 

Any assistance you can provide will be greatly appreciated!
Product: Credit reporting

The complaint actually involves ( Unauthorized Inquiries ) by Clarity Services , Inc. Inserted below is the email sent to Clarity Services asking for an explanation about the Unauthorized inquiries into my credit history. 

" Saturday, XXXX XXXX, XXXX To whom it may concern : This morning while reviewing my Annual Credit reports XXXX inquires from Clarity Services , Inc. was identified in my XXXX file. Please see the attached page extracted from my credit report. 

I would like to know what company requested the report ( s ). 

I have not requested or submitted a request for credit for neither of the dates noted ( XXXX XXXX and XXXX XXXX ). There should not have been any inquires from any organization. 

In addition, the information in the XXXX file that you provided is incorrect. Thus the purpose of reviewing my reports. 

These inquiries are determined to be " Hard inquires '' and does impact my credit rating. 

Thank You, ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a rep for payment hardship during Covid 19 As I required assistant I reached and I was offered assistance which allowed me to make a lower payment without reflecting as late, until current. Nelent issued a statement Were here to help, in order to support customers experiencing financial difficulties due to COVID-19. It appeared that they were prepared to work with me in order to provide payment relief without causing late payments to appear on my credit report. They did not honor that statement as my credit report reflects late during the months of XXXX, XXXX and XX/XX/2020 XX/XX/2020
Product: Credit reporting or other personal consumer reports

There were multiple attempts to try hard inquiries on the same day and same time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I don't have accounts with any of these or ever was notified an attempt to work with these organizations at any point. I wouldn't ever allow these many hard inquiries in such a small period. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I checked my credit report and found that this company has submitted a request to view my credit report without my consent. Whatever application that was submitted that caused this company to pull my credit was submitted as a result of fraud. My apartment was broken into and several identity documents were stolen. I have attached a copy of the police report I filed. 

American Express has responded to my previous dispute saying that they deleted the inquiry and that they would not respond to any more disputes because they had deleted it. It is not deleted. It is still being reported on my XXXX report and I have contacted XXXX and was told that American Express has NOT informed them to delete the inquiry. The inquiry date is XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX | XXXX : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification Creditor 1 XXXX  XXXX XXXX XXXX Unverified Account Creditor 2 XXXX  XXXX XXXX XXXX Unverified Account Creditor 3 XXXX XXXX XXXX XXXX Unverified Account Creditor 4 XXXX  XXXX XXXX XXXX Unverified Account Creditor 5 XXXX XXXX XXXX XXXX Unverified Account Thank You, XXXX XXXX
Product: Debt collection

AFNI is claiming that I owe them {$350.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Checking or savings account

TD Bank has left me in SEVERE financial hardship and no way to pay my rent or other bills. 

On XX/XX/2018, a Saturday, I was attempting to make a purchase with my TDbank debit card. The purchase was declined. I called my bank to see if they could rectify the problem and a rep told me that my account was drained because of an " offset ''. I checked my account and there were XXXX dollars in the account that should have had {$1200.00} in it. Also, appearing in the transaction history are these items : DDA OFFSET XXXX - {$310.00} DDA OFFSET XXXX - {$460.00} DDA OFFSET XXXX - {$270.00} DDA OFFSET XXXX - {$100.00} DDA OFFSET XXXX - {$77.00} totaling {$1200.00}! 

The ENTIRETY of ALL my money with TDbank. They took it all. I do not have other accounts elsewhere with any funds in them -- this was ALL the money I had to support myself. And of course, no one at TDbank is anywhere near helpful, so I have had to wait until monday because their " collections department '' is closed on weekends, and standard tdbank lackies do nothing because they aren't in that department. Tdbank 's social media is merely damage controlling PR, ignores you, and is not supportive whatsoever. 

I have no knowledge of these other accounts that supposedly are in my name for which tdbank insists I owe them this money, nor have I ever recieved postal mail, email or phone calls insisting I owe money on past accounts at this bank. Td bank has taken money out of my account for accounts I didn't even know existed! 

Additionally, according to the " Right to Offset '' law, social security funds are EXEMPT from " the right to offset '', Section 207 of Social Security Act ( 42 USC 407 ). Tdbank has taken social security funds that were deposited into the td bank account which was drained. " A Financial institution can not offset social security benefits against any other debts owed to the bank. '' But they still did, of course! to the tune of {$86.00}. 

My account was completely drained and brought down to XXXX - leaving me with no way to pay rent, buy food, money for transportation or my medications. If TDbank does not refund my money to me immediately or rectify this issue either by phone or in person, I will be filing more complaints with the FDIC and the Office of the Comptroller of the Currency, who regulates TD BANK , N.A . 

TD bank has left me in severe financial hardship, leaving me without a way to pay my rent to keep a roof over my head, no way to pay bills and no way to even buy food or pay for transportation. TDbank " Customer Service '' lackies should be ashamed to work for such a heartless, greedy bank that would do this to their customers and leave them in a near-homeless situation. 

Also I was not able to afford my medication due to TDbank taking every cent I owe and TDbank has caused me to miss doses of a medication that I can't currently afford. 

I want this situation fixed ASAP, or I will consult a lawyer. 

FIX THIS, TD BANK.
Product: Credit card or prepaid card

On XX/XX/2021, Barclays XXXX XXXX by correspondence to me informed me that my billing dispute with ALL IN TICKETS had been resolved in my favor. Furthermore, to quote : " You will see a credit of {$560.00} [ the disputed amount in question ] on your next billing statement. '' From XX/XX/2021 to current billing statement, I have received no credit despite bi-weekly phone and written requests. Barclays XXXX XXXX continues to handle my request for the promised credit as another dispute case to be investigated, then " escalated '' to Dispute Center Managers without resolution. 
I am shocked that Barclays appears to have reneged on its promise of full credit in the amount of {$560.00} after resolving my billing dispute, withholding those funds promised to me in XXXX, XXXX, without further explanation. Barclays XXXX XXXX personnel seem oblivious to the patent facts of this matter, ineffectual in performance of the simple act of compliance with its own decision, in effect having stolen the amount of {$560.00} which rightfully belongs to me, by their own determination!
Product: Credit reporting, credit repair services, or other personal consumer reports

Coastal XXXX I turn the car in so it was not a repo .the sold the car and I got. Check for for what they got over the loan.
Product: Student loan

The supposed loan I owe is through navient. I questioned the loan because I have no documents on it. I had asked for documents to verify the validity of this loan several times over the last two years, I have called multiple times and sent a written letter. 
By navients own admission I have never completed an electronic application for a loan, yet when they send me the loan documents the promissary note says electronic signature on file. It's also a page I've never seen before and absolutely have never signed, so the the signature and date are falsified. They also still fail to send all of the requested documents like the electronic balance transfer authorization or original loan documents which are necessary to show and they legally have to send. I believe the school or navient has done something fraudulent and that the loan is not valid.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TRANSUNION for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its repeated failure to remove inaccurate account information from my credit report following XXXX reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act. 

Account Information : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$0.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TRANSUNION has failed to comply with the law and has retained the inaccurate account information. 

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TRANSUNION to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against [ Credit Bureau Name ] for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ Credit Bureau Name ] upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  account number XXXX for {$2500.00}, XXXX XXXX XXXX  account number XXXX for {$680.00}, XXXX  account number XXXX for {$600.00}, XXXX XXXX  account number XXXX for {$1300.00}, XXXX XXXX  account number XXXX for {$360.00}, XXXX  New account number XXXX for {$2800.00}, XXXX XXXX account number XXXX for {$150.00}, XXXX account number XXXX for {$3900.00}. I am the victim of identity theft. There are data breaches that are affecting me, I have run a dark web scan and it has confirmed that my personal information is being tracked to activity on the dark web and this is causing incorrect reporting to my credit. I am asking that you investigate and remove these incorrect accounts from my credit report.