23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

After receiving and reviewing the results of a recent disputes sent to me, I am now requesting the method you used to verify certain items on the credit file You have refuse to Provide me with full documentation of your process, according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I am requesting this for the following account : XXXX The data you seem to be verifying has been sold to a dept. collector who has gone out of business, then purchased by another dept. collector who has purchased my personal information without my permission. I have no such of any kind of contract with this furnisher. I think that this is very appalling that you insist on reporting such derogatory and false information on my file. I am asking you to provide me with all documents to support this data. Your dates are not accurate, in question, nor or the amounts being reported. Please provide me in full detail, data that support this. I will pursue further actions in a timely matter against this derogatory data. Please delete this data immediately. I have nothing to do with that account. The furnisher has mailed me incorrect data with my information being wrong. My full name I will provide with this letter. 
As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than 15 days after receiving this request. I appreciate your handling of this request in a timely manner. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account with XXXX showed as delinquent open in XXXX. I never opened a account with XXXX XXXX it this account is fraudulent!
Product: Credit reporting or other personal consumer reports

I looked over my credit report and found inaccurate and incorrect on my file held by Transunion. I sent a 1st round letter to request the validity of the XXXX  XXXX bankruptcy as accurate. Transunion replied stating that the information was accurate and verified by the US bankruptcy courts. I contacted the court, and their response was clear that they do not report to Transunion or any other data collection agencies. Therefore, the initial response verifying the item with the courts was either an error or a lie.
Product: Checking or savings account

After reading about the many violations that USAA has been accused of, as well as their lackluster fraud investigation practices, I decided to close out my membership with them. I do not have any open products or insurance services with them and do not want to use their services. When I called in to ask about what I needed to do to remove my data from their core system, I was informed that it was not possible. They told me that they keep the profiles on the system regardless, in case I want to return later on. I expressed my concerns and stated I was not interested in retaining the relationship and did not want my profile to be kept on their system. I asked about how long it would need to sit before it was purged, and again they stated that it was not possible to remove my information and that it would never be removed. I asked to have a copy of the privacy policy sent to me for review, and asked for help finding where this was communicated. The representative was unable to tell me where to find this information and said he would email me a copy of the policy but did not. I then asked to be transferred to a supervisor, the representative stated he was who deals with escalations. Instead I was transferred to the web services department, where they did assist me in restricting my membership. Regardless, it causes me XXXX to know that my private information remains on USAAs systems and that they continue to hold a membership for me that I do not want. I have no interest in their services and want to end my relationship with this company, and I dont understand why that is not possible. The representative was not able to give me a good explanation for that, was not able to escalate my complaint, and did not send me a copy of the privacy policy.
Product: Mortgage

Residential Credit Opportunities Trust V ( RCO ) & CEO XXXX XXXX & XXXX XXXX are in violation of California Home Owner 's Bill of Rights ( CAHBOR ) and ethical violations regarding financial matters. 

At issue is RCO 's refusal to comply with CAHBOR which requires them allow borrower to avoid foreclosure. RCO instead is bypassing all foreclosure avoidance programs and trying to force borrower into friendly foreclosure or deed in lieu. RCO must comply with state law and allow borrower to move forward with short sale. It is understood and accepted that there is too much arrears to be considered for modification however a short sale is NOT a foreclosure as deed in lieu is and allows the state given right to borrower to avoid foreclosure. 

On XX/XX/18 borrower had a phone conversation with XXXX XXXX who very rudely and unethically informed borrower that he would not allow her to modify or short sale her home because he could just take the home and sell it himself. This is a violation of both the spirit and the letter of the law. Investors or servicers can not operate above the law. It is hereby demanded that RCO follow the law and requested the CFPB investigate fully the business practices of RCO as based on the phone conversation with both XXXX and RCO, RCO is out to act as a foreclosure mill and steal people 's homes. This unethical and unacceptable in California and must cease and desist immediately.
Product: Debt collection

I was seen at XXXX XXXX ( now owned by XXXX XXXX ) clinic on XX/XX/2019. All I received from the visit was a prescription for an antibiotic, and nothing else was rendered from the service. There were no diagnostic tests, no lab work, no useful medical advice given at my visit. Few weeks later I received a surprise bill of XXXX dollars from XXXX XXXX. I paid the unfair, unjust price of XXXX dollars. Then few weeks later I received another bill from the nurse practitioner for XXXX dollars. Her company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, wrongfully, double billed which is affecting my credit history. I disputed the bill with the provider, and then surprisingly they passed the bill to a debt collector. I disputed the bill with the initial debt collecter and they said they will take care of the bill. Then I received a notification from another debt collector ( present debt collector ) for the same bill. I disputed the bill with the present debt collector but they resorted to placing the bill on my credit report. For the extent of the medical service I received, I have become a victim of fraudulent billing, wrongful charges, double billed and an extreme version of price gouging on a service in which I was not notified of the charges at the time of transaction. The debt collector is ARS Account Resolution service.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) I called XXXX credit Reporting agency regarding My negative remark on my XXXX XXXX XXXX account. The negative remark was caused by my disputing a fraudulent charge on the account which caused my credit score to drop significantly. I provided my social security number, date of birth, address all correctly. I was not able to answer their security questions regarding my current account balances correctly so I they said they could not help me. I asked for a supervisor and told her that I could not start to even fathom how asking for a account balance that is perpetually changing is the only security questions they could come up with in order to help me. I had no issues with Trans Union in verifying my identity and was not asked ridiculous questions about account balances. How could anyone know the date at which they looked at an account balance in order to match up and pass their security questions. Also the fact that disputing fraudulent charges causes ones credit score to drop only encourages consumers to not report Fraud! 

2 ) My second complaint is regarding Trans Union Credit reporting agency.  I contacted Trans Union in regard to My XXXX XXXX ( XXXX XXXX ) account information and I disputed account information and the outcome was that Trans Union erased my XXXX XXXX account from ever having existed on my credit report. When I contacted them further they allege that the company XXXX XXXX ( XXXX XXXX ) stopped reporting. So I contacted XXXX XXXX and they stated that they have been reporting to Trans Union. So I went back and forth and even wrote letters to both XXXX XXXX ( XXXX XXXX ) and Trans Union with no explanation or any pleasant outcome. So I am filing these two complaints in hopes to attempt to rectify these situation and would appreciate some help and a response to these issues!
Product: Checking or savings account

For the past 6 months I've been charged a maintenance fee by US bank each month. US bank stated that the fee was being charged due to not having an direct deposit being processed during each month. However, I explained that I have not one but two direct deposits each month. The US bank representative said they would let their supervisors know to look into it and credit me back for these charges. This NEVER HAPPEND. I'm very disappointed with the service and am seriously considering closing my account and taking further actions against US bank. It's not the money but more my principles and I do not want them to do this to other people. Please help. I look forward to hearing from someone soon. 

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

Getting an unauthorized hard credit inquiry deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of an unapproved inquiry. XXXX XX/XX/2023
Product: Credit card or prepaid card

On XX/XX/XXXX, I was booking a flight on XXXX XXXX, and there was an icon on the screen from Chase to apply for a XXXX XXXX Credit Card. It offered a {$250.00} statement credit after 1st purchase, and XXXX air miles award after {$2000.00} of spending in the first 3 months. I applied for the card, was immediately approved, and used the new account to pay for the airline ticket, which should have qualified as the 1st purchase. Upon receiveing my 1st statement on XX/XX/XXXX, I noticed that there was no {$250.00} credit, additionally that the terms of the offer had changed. The 'revised ' offer was for XXXX air miles after spending {$2000.00} in the first 3 months, and then an additional XXXX miles if I spent a total of {$10000.00} in 6 months, and no statement credit for the first purchase. When I received my statement I immediately called Chase to inquire why my bonus offer was different that what I saw on the website. Additionally, I went on XXXX XXXX website, went through the reservation process, and the same offer that I saw on XX/XX/XXXX was present on the site on XX/XX/XXXX. I asked the Chase rep why my offer had changed, and they indicated that they would have to send a request up to the marketing dept. to check to see what happened. They mailed me a letter dated XX/XX/XXXX, which I recieved on XX/XX/XXXX stating that they would not honor the offer that was present on the XXXX XXXX website when I applied, however they would still honor the alternative offer. I again called Chase on XX/XX/XXXX after receiveing the letter, and was eventually transferred to a supervisor who would not honor the intitial offer, instead she indicated that she would again send the request up to marketing and this would take anywhere from 11-13 days to process. Additionally, she stated that she did not want to do anything about the original offer until I had spent the {$2000.00} ( I had spent about {$1500.00} at this point ) and I explained to her that I was most interested in getting my {$250.00} statement credit now, as I had made a qualifying 1st purchase and the bonus miles were of secondary concern. Upon hearing that I would have to wait another 11-13 days for a resolution to the issue, I instructed her to cancel the card, as I no longer wished to do business with Chase as this is a clear bait and switch tactic.
Product: Mortgage

Several problems with mortgage company paying my XXXX XXXX and XXXX XXXX. Will not allow me to take over payments. I have sent an attachment which outlines the issues.
Product: Debt collection

In 2020 I was in hospital due to accident caused by uninsured person. The medical Dr 's billed after their billing window closed. My attorney & insurance tell me I am not responsible. Lawyer called RMP LLC a collection but they did not respond. Experience says the bill is verified. Ohio law says I'm not responsible and I want the 4 collections removed from my credit rating
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to correct my credit report for several years. Most recently, I discovered in accurate information on my credit file. XXXX has 8 name variations listed on my credit report. I submitted disputes in XX/XX/2019, XX/XX/2019 and XX/XX/2019. I spoke with two representatives today, XXXX within the Impact Team and XXXX on the Fraud Team. Both informed me that they could not correct or remove the various names because they were being reported by creditors. I explained the name variations should be removed because I have only had two legal names verifiable by the Social Security Administration. These would be my given birth name and married name ; any other variation would be incorrect and would need to be removed from my credit file. Both representatives refused to address this issue. I was informed that I would have to wait for an investigation to be completed to determine if any changes would be made. In addition, I explained to both representatives that the name variations were most likely the result of identity theft of which I provided a copy of the identity theft report and affidavit.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX {$30.00} dollar payment was taken from a User that goes by the name XXXX and it was drawn from my original Bank Account XXXX and it went through a money app called Cash App. 
XX/XX/XXXX was the 2nd transaction of {$50.00}. It went through the same bank and then went to a money app called cash app that way it can be processed out of the Bamk or an ATM. Also by the same person. 
I have NO CONNECTION with this person what so ever at all. I have NEVER given this person ANY MONEY, this person has NEVER asked, requested, money from me in person or on Cash App.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/29 XXXX XXXX notified me that when we transferred our cell phone service from their consumer department, to their corporate department after formation of my small business, that we had a small balance due. I never received a final bill for the consumer account and was unaware that a balance was due on it. I immediately made a payment of {$180.00} and asked the representative if they would remove the negative reporting from my credit reports. The representative who took my payment confirmed with their supervisor that they would completely remove the collection account from my credit reports, not just update the status to a paid collection. I have disputed this account with the credit bureaus and they refuse to remove it from my report
Product: Credit reporting or other personal consumer reports

This is another attempt at disputing online with cfpb.in an Earlier attempt my documentation and supporting evidence did not upload. Disregard previous disputes than this dispute. This dispute contains all necessary documents needed to support my case in this dispute. 

This dispute encompasses two primary issues : 1. Identity Theft Account : The first issue relates to an account on my credit report that I believe resulted from identity theft. This account was added to my credit report without my consent, making it a potential case of identity theft. The accuracy of this information is being disputed as it is not related to any transaction initiated by me. 2. Inaccurate Auto Loan Reporting : The second issue pertains to an auto loan account that is inaccurately reported as not paid in full despite being satisfied more than 60 days ago. Additionally, the payment history for this account inaccurately portrays the month of XXXX as 30 days late. Subsequent to XXXX no further activity has been reported, which raises questions about compliance with the Fair Credit Reporting Act ( FCRA ).
Product: Mortgage

Mr. XXXX XXXX who is my lender, failed to pay my property taxes that are now delinquent and due for the year 2020. I have in good faith made all of my mortgage payments ( to August REI the lenders 3rd party loan servicer ) month and within time frame given each month without being late or missing any payments. Included in my mortgage is payments that is supposed to go towards paying the taxes in XXXX, Texas ( the property in which I am currently purchasing from the lender ). I have included along with this letter a copy of the delinquent payment invoice sent to me from XXXX County Tax office. Please help with this issue. This is a hugh inconvenience as well as a threat to my daily living stability and my families lively hood.

Prior to this I had to constantly go back and forth with getting my homeowners insurance paid for the year with monies paid into my escrow account. The year before I was forced to pay for two different homeowners policies due to the lender not wanting me to go with a lower rate and better company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the three credit bureaus ( XXXX, TransUnion, and XXXX ) investigate numerous inaccuracies on my Consumer Reports. They have not investigated thoroughly and have not corrected my report. I have disputed online and via letter.
Product: Debt collection

Unifin working on behalf of XXXX XXXX XXXX XXXX Unifin has called me several times from several different numbers about several different credit cards for XXXX XXXX XXXX XXXX. 

While there are several accounts, they are all collecting for the same collector. I advised the representative yesterday to place me on a do not call call list and to not call me. They continue to call and send me text messages and its too much. Sometimes they call 4 and 5 times in one day. 

XXXX ( text messages ) XXXX for XXXX XXXX XXXX, I advised the caller that I told them to stop calling on XX/XX/XXXX  and he did not have anything on file. 
XXXX for XXXX XXXX ( they called today after they were told on XX/XX/ to stop calling ).
Product: Checking or savings account

I opened a savings account and money market account at Capital One bank within the past year. There have been numerous problems with transferring funds and I have tried to address these by going into branches and calling their service departments. I continue to receive the run around and requests for escalations have taken weeks to get a response.
Product: Debt collection

Chase United Mileage Explorer Plus Card states I owe {$8600.00} when I and the authorized user already paid off all their debts was credited, never given the points for any payments, payments supposedly were returned by them but never shown as refunded into the bank account. XXXX XXXX states {$1100.00} is owed when I had received a letter saying paid in full then months later I received a letter saying payment was returned. XXXX XXXX says I owe {$530.00} when I never used the card online nor in person. XXXX XXXX states I owe them {$610.00} but gave it to a debt collector named XXXX XXXX XXXX. XXXX XXXX credited me back {$300.00} then pawned off my account to XXXX XXXX XXXX and is now asking for {$610.00}. All of their debts were paid off, credited, my bank statements prove they were paid off and when they stated payment was returned none of it was returned to my bank account. I believe there is Identity Theft being committed by someone or by each creditor. Also XXXX is refusing to give the statements to prove that these debts have been paid off to the creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item First Progress credit card ( Account # : XXXX ) is inaccurate because this account was paid in XX/XX/XXXX but the date major delinquency first reported / failure to pay status updated on both my XXXX & XXXX credit reports to reflect XX/XX/XXXX/ XX/XX/XXXX & now my credit reports are considering this account as being late when it's already paid. The last date of delinquency should be in XX/XX/XXXX since this is when the account was charged off. My credit reports are now showing this account as a new late and since this information updated incorrectly my credit score decreased by 10-15 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit report was wrongfully added a false late payment by XXXX XXXXXXXX XXXX  on XX/XX/XXXX and by its collection agent XXXX XXXX on XX/XX/XXXX. Apparently, someone fraudulently opened an account in XXXX XXXXXXXX XXXX by using my social and name and walked away with {$920.00}. I have NEVER opened this account at XXXX XXXXXXXX XXXX. I contacted XXXX and disputed this wrongful posting for three times and they asked me to contact XXXX XXXXXXXX XXXX  directly. I called the XXXX XXXXXXXX XXXX and they asked me to contact MSW Capital which it took over the account of XXXX XXXX XXXX according to the Bank. MSW then ask me to file a complaint.
Product: Debt collection

An item on my credit report says I owe a debt that I did not know about. As I have not had any loans or credit cards since around 2004, If this is my debt, it is over the 7 year reporting limit, and it is also a time barred debt ( Cal. Civ. Proc. Code 312 et seq. ), so it should not still be reporting on my credit report. I have disputed this item on my credit report and been told it will not be removed, but requests for proof that is my debt and when this debt was last paid, have gone unanswered.
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act 15 USC 1681 section 602 There is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy.

The credit bureaus are consumer reporting agencies and I am the consumer. I do have a right to make sure my private information isnt shared which is backed by 15 USC 6801 It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers no public personal information.

The credit bureaus dont have my written or verbal consent to furnish this information.

All consent is revoked.

15 USC 6802 - a financial institution may not disclose non public personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option.

I was never informed of my right to exercise my non disclosure option.

15 USC 1681C also states, no consumer reporting agencies may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Letters to the person/creditor and they have not abided by what ive requested. 
XXXX XXXX have shared my information without my approval, this violates law 15 U.S. Code 1681 In addition, They have violated my CONSUMER LAW by not giving me the option to OPT OUT from reporting this information to a third party! 
15 U.S. Code 6802b XXXX XXXX account number - XXXX. 
Date opened : XX/XX/2016 via experian Please DELETE ACCOUNT!