23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi HAPPY SATURDAY! - and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX XXXX and this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of the following inquiries : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I demand the removal of this incorrect information : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} ; DEPT OF EDXXXX XXXX Balance : {$51000.00} ; XXXX XXXX XXXX XXXX  Balance : - ; XXXX XXXX XXXX XXXX XXXX  Balance : {$630.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$650.00} ; XXXX XXXX  ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello. On XX/XX/XXXX, I discovered a {$12.00} service fee. This was because I didn't meet the criteria for " free checking '' which were to make a direct deposit once a month or have {$1500.00} in the account every day or have {$5000.00}. I wrote to them because I felt that is predatory to do this when 40 million of us are unemployed and can't reach those requirements. They did a one time reversal on the fee, but they will charge me from now on. This is absolutely sick to do to millions of Chase customers. Doing this during a pandemic is sick.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX 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

On XX/XX/XXXX, I purchased a XXXX vehicle which is being financed by Toyota Motor Credit. At the time of purchase, I also purchased a Tire & Wheel service agreement for {$1700.00}. The service agreement was not included in financing. I paid the cost of the agreement in full with my debit card. The service agreement indicated that I could cancel the agreement within 30 days for a full refund. I submitted a request within 30 days and the agreement was cancelled. However, TMC will not issue a refund. Ive called and emailed customer service and the reps keep indicating that there is a lien holder and Im not entitled to a refund. They cant comprehend that the lien holder applies only to the vehicle, not the service agreement which I paid for separately. 

Im asking for your assistance in obtaining my refund from Toyota Motor Credit. 

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

You are to remove all personal information that is incorrect, formerly known as names except XXXX XXXX XXXX XXXX, employers, social security # information due to privacy concerns and my right to individual privacy and the privacy act of 1974 along with 15 USC 1692 of FDCPA, all addresses are to be removed except for address of XXXX XXXX XXXX XXXX XXXX Michigan XXXX you are to delete date of birth due to privacy issues immediately. You are required to remove any medical information by XXXX XXXX XXXX XXXX XXXX XXXX due to being sold to 3rd party and sharing my private medical information without my consent which you know the law passed this year requires you to not furnish medical information on a consumer. Lastly i need the consent form from you that shows i consented to have my private information given to a third party to be resold for advertising purposes between you and XXXX XXXX XXXX. If you can not produce such consent form that is required by you then you must remove said item from credit report and under State law the statute of limitation has expired on such alleged debt and i am demanding you remove said collection from my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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. states a Consumer reporting agency can not furnish a account without my written instruction. 

BELOW is all the accounts I need removed please ALSO please remove ALL HARD inquires I will list them here also. 

Account 1 OPENED XXXX XXXX # XXXX Balance {$560.00} BXXXX XXXX XXXXXXXX Balance {$14000.00} XXXX XXXX XXXX # XXXX Balance {$1000.00} XXXX XXXX XXXX  XXXX Balance {$140.00}
Product: Debt collection

I'm not sure who is trying to collect but here 's the backstory : On XX/XX/year>, I settled a debt with XXXX XXXX XXXX by paying the amount they offered by the deadline they stated. The amount was XXXX and the confirmation number for this payment is XXXX. They still sold the account to collections. I have been contacted by both XXXX XXXX and UNFIN. I sent both of these companies the documentation that I settled this by email and XXXX mail yet they still call me multiple times per day, email me and text me.
Product: Credit reporting or other personal consumer reports

TRANSUNION is illegal reporting charge-off/collection accounts on my credit report. These said accounts are considered a certificate of indebtedness and therefore deemed income, per IRS Publication 4681. Erroneous reporting violates federal regulations, including the Fair Credit Reporting Act ( FCRA ) and The Privacy Act of 1974. Charge-offs/collections are considered as income per IRS Publication 4681 and should not be included in consumer reports, as explicitly mandated by federal regulations. However, Transunion has inaccurately reported this income, breaching the FCRA and IRS guidelines. This misleading reporting not only misrepresents my financial standing but also infringes upon federal regulations designed to ensure accurate and fair reporting to consumers. Despite my attempts to rectify this issue directly with Transunion by disputing the inaccurate information on my consumer report, the erroneous reporting has not been rectified. This continued misreporting has substantially hindered my ability to access credit and financial opportunities. Furthermore, Transunion 's actions violate several federal statutes. Moreover, it directly contravenes federal laws aimed at protecting consumer privacy and ensuring fair and accurate credit reporting. I respectfully request the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Transunion for their egregious violations of federal statutes. Additionally, I seek immediate rectification of the inaccurately reported information on my consumer report to mitigate the ongoing financial and emotional distress caused by above actions. Thank you for your attention to this matter. I eagerly await your prompt response and resolution.
Product: Debt collection

Someone opened a fraudulent account in my name i reached out to capital one multiple times about this account once i found out about it via my credit report. Captial One was very rude and unprofessional, they kept saying they couldn't find the account than they said that they sent something via email for me to fill out which was a lie as well, i am currently working with my family lawyer.
Product: Money transfer, virtual currency, or money service

I have tried numerous times to cancel my Albert Banking account. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are all dates i have tried to figure out how to cancel my account my emailing their support team. The correspondence has not helped. 

I was told on XX/XX/XXXX that my account was deleted. On XX/XX/XXXX {$16.00} was removed from my banking account by XXXX XXXX for membership. 

I did not approve of this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently reached out in writing regarding my consumer credit report from XXXX XXXX XXXX about unauthorized inquiries. I have not given ANYONE permission or consent to do so, as I have not applied for credit for a while with these companies. I am giving you as much information as I can to help you with this re-investigation demand so please feel free to utilize this information. 
According to section 604 FCRA, I would greatly appreciate if you would provide me for what is called a permissible purpose or proof that I applied or initiated these inquiries from each company listed. This poses great concern about my security and the privacy of my credit being at risk. If no proof or evidence with supporting documents is found, please delete these item ( s ) immediately. 
If these inquiries are concluded to be originated online or by an internet source, please provide the IP address associated with the alleged inquiry. 
I have also contacted the creditor ( s ) in question, and they claim they have no proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide me a permissible purpose or proof. Because the creditors in question could not provide proof of authorization whether written or verbal, I am asking that each alleged inquiry be deleted from my credit report of XXXX. The alleged inquiries are unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose.

Section 604 states that a permissible purpose of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiate
d by the consumer. Please read on ; section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under 15 U.S.C. 1681i, paragraph ( 5 ) treatment of inaccurate or, unverifiable information ( A ) In general, If, after
any reinvestigation under paragraph ( 1 ) of any information is found to be inaccurate, incomplete, or can not be verified the consumer and the reported agency shall ( i ) promptly be deleted.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issues aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple certified letters to Experian with 2 forms of ID ( US passport and Indiana drivers license ). Requesting my personal information be corrected.. Spelling of my name, address updated along with phone numbers.. Experian has failed to do this.. Letters were sent on XX/XX/XXXX ( signed for on XX/XX/XXXX attached ) XX/XX/XXXX ( signed for XX/XX/XXXX attached ) and again on XX/XX/XXXX ( signed for on XX/XX/XXXX ). Multiple calls were made between XX/XX/XXXX thru XX/XX/XXXX, requesting this information be updated.. After multiple calls I was told that this information, my personal information would not be updated. I have provided Experian with my proper identification showing my current name ( legal name and current address and yet they still refuse to update the incorrect information on my personal credit report.
Product: Student loan

My student loan payments to EDFinancial have been reversed 2 separate times causing my loan to accrue unjust interest and late fees.
Product: Debt collection

Phoenix Financial Service is a debt collector for a Consumer called XXXX Hospital XXXX ( which is XXXX Hospital ). I had a debt in XX/XX/XXXX with XXXX XXXX for {$100.00} & {$41.00}. This debt was on my credit report. On XX/XX/XXXX I called Phoenix Financial at ph # XXXX which they agreed to give me a discount amount of {$73.00} to bring the balance to {$0.00} and erase it from my credit report per the representative. On XX/XX/XXXX I paid {$73.00} Confirmation # XXXX which made the account paid in full. On XX/XX/XXXX I received a credit alert to check my account immediately. Phoenix Financial had placed another debt on my credit for {$160.00} as of XX/XX/XXXX. I called Phoenix Financial at XXXX spoke to a representative by the name of XXXX or XXXX XXXX. i explained to this representative that i paid this debt in XX/XX/XXXX for a discounted amount of {$73.00}. Per the representative yes they did close that account as paid in full but they noticed another outstanding debt of {$160.00} from doctor XXXX or doctor XXXX on XX/XX/XXXX service rendered in an emergency room but he could not tell me the hospital name. I explained to the representative, there was no bill sent to my address and that isn't my doctor and wasn't seen by no doctor during that time. the representative said that i was treated for XXXX  in an emergency room but he couldn't tell me the name of the hospital. The bill that i paid this Debt collector Phoenix Financial for services rendered in XXXX with XXXX Hospital of {$73.00} was for XXXX. per my credit report, Phoenix Financial placed this debt of {$160.00} as late payment or no payment ( not sure what it was listed ) for the month of XX/XX/XXXX on my credit report. How can a debt owed in the same month ( XX/XX/XXXX ) is reported in the same month to the Credit Bureau? Phoenix Financial is reporting a debt on XX/XX/XXXX ( that a bill that was never sent to my address in XXXX but per the representative they mailed the bill in XX/XX/XXXX three or four years later ) but yet they showed the debt being delinquent in XX/XX/XXXX on my credit report. Isn't that against the law and is fraud. I called XXXX  Credit Bureau dispute center at ph # XXXX, per representative this debt will be removed since already paid. I asked the representative with XXXX how to prevent this Debt Collector from placing another bogus debt on my credit report? per XXXX representative, i need to file a complaint with the Federal Trade Commission. Can you please help me with resolving this issue and contact Phoenix Financial to inform them that this is fraudulent?
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not give any permeation to this company to check my credit reports and i never apply for anything with this company
Product: Debt collection

I had XXXX back in XXXX of 2022 at XXXX XXXX XXXX and am currently and was insured at the time through my current employer by XXXX. My insurance covered most of the cost of XXXX and there were two balances that I was required to pay which both have been fully paid for. Last month, I started receiving harassing calls from a company Capio Partners which I have never heard of. They knew my birth date and home address, so I thought they were a legit company. They went on to say that I owed a balance of {$2500.00} for XXXX by a company XXXX XXXX XXXX. I was completely dumbfounded. Capio stated I owed this amount since I was uninsured. I told the representative XXXX that they are mistaken, and I have insurance and my debts for XXXX were paid months ago. I received two more calls within a weeks ' time regarding this again. I told XXXX 's supervisor that I was sick of the harassing phone calls and that I am not paying anything because I have never heard of this company or Capio nor did I ever receive a bill from this anesthesia company. Anthem also has contacted them on two occasions stating that they can submit a bill to them, and they would review it, but all debts for service were fulfilled by them on XX/XX/XXXX with proof, including {$1700.00} that XXXX actually paid for anesthesia services. So, since this was already paid why am I continuously receiving calls? I am upset that this company somehow got my personal information and is doing false claims. I'm aware that there are numerous complaints against Capio Partners and that they can even go as far as reporting this on someone's credit report. This company needs to be stopped immediately. I want them to cease and desist calling me and saying that I owe this outrageous amount for something my insurance 100 % paid. Proof of payment is attached.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several factual disputes to Transunion, requesting that they investigate an account ( XXXX 's Acct # XXXX ) which continues to report inaccuracies. The inaccuracies I disputed were taken directly from the report Transunion provided me. 

Transunion did not investigate my disputes. Transunion sent me an " Investigation Results " letter without investigating the account for inaccuracies. They did not furnish me with proof of their investigation, because they never conducted one. Transunion did not disclose to me any methods used for investigations. 

This account, by law, was required to be deleted because of unverified information and incomplete information which was not updated. 

Transunion has committed the following violations against me. 

1. Failure to provide me with the information used to determine the result of their investigation. They have not provided me with any proof ( FCRA, Section 609 ) 2. Failure to properly investigate my credit file dispute ( FCRA, Section 611 ) 3. Maintaining inaccurate and incomplete information onto my credit file after investigation ( FCRA, Section 611 ) 4. Failure to consider all relevant information regarding my dispute ( FCRA, Section 611 5. Ignoring the treatment of inaccurate and unverifiable information ( FCRA, Section 611 )
Product: Mortgage

I had filed a report in XX/XX/XXXX with you and received a letter from New Rez stating they would correct my credit report after incorrectly handling loss mediation when I was laid off. I now am selling my house and need to purchase a new one and I'm finding out they did not do as they said, my credit is still showing that I was late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they have added an additional one for XX/XX/XXXX which was called in on XX/XX/XXXX but they did not apply until XX/XX/XXXX. below is the original information for the original complaint. They really need to rectify this and stop the process of incorrectly marking this account as late when it was not.

Case # : XXXX Reference # : XXXX
Product: Credit card or prepaid card

While at the XXXX I was presented with a program called, " care credit, '' the process was done while under duress of tooth pain. 
the representative did not clarify how the account was managed, nor did they disclose the rate amount. They did disclose if the amount was not fully paid by a certain date, rate would increase, though ; the rate amount of the increase was not disclosed. 

Covid impacted my income shortly after the account was opened and I was not able to pay off the total amount by the date of increased rate and due to the incredible rate increase ( which was not disclosed ) I find myself paying an extreme amount of interest. 

The customer service rep that I recently spoke with did not take time to verify my identity prior to disclosing information and spoke to me as though I was in collections. 

This company is a predictor lender and I need assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the victim, was not aware of the fraudulent activities on my credit history. I noticed between the month of XXXX 2023 when I could not get approved for a vehicle and my credit started to decline. These actions were not taken by me. At the time, I was between the ages of XXXX trying to build my credit score and did not know anything about credit cards let along credit fraud. One account is within the amount of ( XXXX- {$11000.00} ) and the other ( XXXX XXXX- {$4000.00} ) is wish to be removed as for my credit will rise and I wouldnt have to keep coming across this hassle.