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

Around XX/XX/2018, got approved for a loan of XXXX. Due to extremities of hardship and paying way more than. I was loaned, I could not keep letting this burden me no longer. The loan is in collection. And I refuse to pay anything in collection. It does not help to pay it off because it will still show the loan as a debt collection. 

So it will neither make my credit report nor score go up if I did paid due to this being a personal internet loan that has no real impact on increasing your credit score and report like a credit card does.
Product: Credit card

paid an unauthorized/disputed charge to my XXXX account while still in arbitration
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage balance keeps going up on my credit reports but my balance on my statement is {$25000.00} less. It shows {$260000.00} on credit report but {$240000.00} on my mortgage statement the {$240000.00} is the correct balance but they are not reporting that. It also shows Ive only made XXXX payment in 4 years XXXXIve already sent my current mortgage statement to the credit bureaus but to no avail with anything being changed
Product: Mortgage

I have two open complaints against Wells Fargo which date back around late XXXX, which have yet to be addressed, for negligently misapplying my escrow tax refund or lack thereof to my outstanding principal mortgage balance, of which they said the would correspond with me by the XXXX of XXXX to inform me of an answer to my missing 2 escrow refund check payments, I strongly feel they are trying to defraud me of my escrow tax refund I entrusted to them to apply to my principal. The two checks in question are one for {$61.00} and the other in the amount of {$1600.00}. I have checked my statement and it does not reflect the amounts credited to my principal only the regular payments I have sent in. Since they lost my two escrow tax refund checks I compel them to reissue the lost checks to me and I will just deposit them this time and make a payment that way. It was a big mistake to give them back a check they issued me only to lose it and not apply it to my mortgage principal, this is gross negligence and appalling customer service. 
They either pocketed the money or they were intent on avoiding application of refund to principal so as to charge me more interest by keeping the balance high.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX. Trans Union, XXXX, and XXXX is reporting inaccurate personal information on my credit report. There are names and addresses that no longer relate to me. My only name and address is XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. All other names and addresses must be deleted from my credit report and file because it causes confusion to persons viewing my credit report for the purposes of obtaining new credit. I have attached my Driver 's License as proof which shows my correct name and address.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 an incident report was made. 
On XX/XX/2019 a dispute form was faxed ( receipt ) to PLS Dispute Department. ( Fax receipt & phone verification was ok ). 
On XX/XX/2019 a Pls Dispute associate confirmed that a provisional credit was to be issued no later than XX/XX/2019 and not by XX/XX/2019 as stated in PLS computer ; the associate also noticed that the system stated to have received the Dispute form on XX/XX/2019 and not the actual date of XX/XX/2019. 

On XX/XX/2019 I checked the card and the credit had not been issued. 

On XX/XX/2019 @ XXXX XXXX, I spoke with Pls associate/ Dispute Supervisor XXXX  ( ID # XXXX ) who informed me that the provisional credit would be issued on or before XX/XX/2019. Not in the 10 business days from the date of XX/XX/2019. Ms XXXX also stated that there was not any phone number she could give me to call and make a complaint about such discrepancies. 

I informed Ms XXXX that per FDIC & Attorney General regulation ( s ), laws and guidelines ; that there was definitely supposed to be a form of contact for customers to report financial institutions. Ms XXXX informed me that PLS had none. 

Basically it seems PLS financial institutions are operating outside of governing laws without regards unto otherwise. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX
Product: Credit card

US Bank claims is refusing to provide evidence that the credit card debt is valid, I have requested, numerous times, proof that I authorized this account. They are ignoring my requests, including the most recent one, attached, which was sent by certified mail. 
If US Bank can not provide proof of authorization for this account, then one can speculate that US Bank can not provide proof of authorization for other accounts. 
There is a history of banks opening cards, XXXX, without consumer authorization. This is a serious concern.
Product: Debt collection

NTL RECOVERY AGENCY  ( collector ) XXXX XXXX ( originator ) {$1300.00} ( amount ) Opened XXXX
Product: Credit card

XXXX I had two credit cards and bank account with Bank of America. 
They charged me over and over again causing me to go in debt from the overdraft fees. 
I had to open payday loans to pay them to make them stop. 
I would say in total it was about {$5000.00}. 
I recently heard about he action law suit settlement. Well when I call them they act like they never heard of what I am saying.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I received an overdraft notification from my bank. A fraudulent charge had been posted from Google in the amount of {$1000.00} for a " XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Unlocked ) '' and was sent using my name to an address I'd never heard of, " XXXX XXXX XXXX XXXX XXXX  XXXX, MI XXXX United States '' I don't know how this was done, as no one else has access to my Google account or devices. I reported the fraud to my bank, XXXX, who agreed that it was fraudulent and reimbursed me. However, Google then proceeded to freeze my Google Payments  account, meaning that I can no longer use Google Pay, pay via Google Play, or make any transactions via my Google Wallet. No one at Google has been able to give me an answer as to what device the fraudulent transaction happened from or how they were able to use my account to do this. The Google transaction ID is XXXX and my Claim ID is XXXX. They declared that they didn't believe the transaction to be fraudulent, without any reason why, and so I'm stuck in a limbo of not being able to use my Google account for payments until they re-enable my account.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep frustration and dissatisfaction with the numerous attempts I have made to remove fraudulent items from my credit file through Credit Bureaus. Despite multiple requests, the fraudulent entries persist, causing significant distress and negatively impacting my financial standing. 

The continued presence of fraudulent items on my credit file is not only inaccurate but also poses a severe threat to my financial well-being. I have attached supporting documentation for each attempt made to rectify this situation, highlighting the urgency and seriousness of the matter. 

I request your immediate attention to the following actions : Conduct a thorough and expedited review of my credit file to identify and remove all fraudulent entries. 

Provide written confirmation once the fraudulent items have been successfully removed. 

Investigate the source of these fraudulent entries to prevent similar incidents in the future. 

I understand the importance of maintaining accurate credit information, and these inaccuracies are adversely affecting my ability to access financial services and secure favorable credit terms. Therefore, I expect a swift and diligent investigation into this matter. 

Failure to address this issue promptly may compel me to escalate the matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraudulent items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

I asked for the line of credit. Was approved and gave my account information. In turn I was not told in the contract that they needed another bank account added that had my direct deposits in it. I told them my other account should suffice. They immediately told me they couldn't lend to me if they didn't have the other account on file. I asked for them to take the hard pull off of my bureaus and to scratch the application since they did not state in their original disclosure that I needed to provide more than XXXX XXXX  account to do business with them. 

I want the hard pull to all credit bureaus removed immediately. They are very shady and predatory to ask for more bank account access whenever I gave them a good account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are completely reporting different information. Over the years I have noticed that it is becoming worse and worse. They are not in alignment with the law, they report information that one has and the other does not. they report dates that are not there, amounts that are not there and account that are not even on anyone Elses reports which seems like fraud. I have highlighted all violations in yellow and listed them below. 

Transunion has XXXX XXXX XXXX listed with a closed collections remark with the amount of {$750.00} XXXX does not have this account even listed on my report. This should be removed immediately. VIOLATION Transunion has XXXXXXXX XXXX listed on my report. XXXX does not. This should be removed- VIOLATION. 

Transunion has inquiries listed : XXXX XXXX XXXX XXXX listed 3 times- XXXX does not have any of these listed on my report- VIOLATIONS ( 4 violations ) XXXX has XXXX XXXX listed under inquiries- Transunion does not have this listed on the report- VIOLATION. 
XXXX also has very different information and should remove anything that is not already listed on all three reports. 

Lastly, TRANSUNION has XXXX XXXX listed under Auto-loans. XXXX DOES NOT have this listed on any report belonging to me and neither does XXXX. This is a VIOLATION. and should be removed completely. 

So many violations with TRANSUNION, XXXX AND XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

I pulled a copy of my Experian consumer report and noticed some items I would like to dispute. They are as follows : Creditor : XXXX XXXX XXXX Account Number : XXXX Balance : {$21000.00} Reason : This account was reported without my written consent and therefore is a result of identity theft and should be deleted. This account is a charge off and was written off, which is reported as ordinary income which is excluded from a consumer report. This account is not related to any transaction authorized to be reported via written instructions by me, the consumer. 

Creditor : XXXXXXXX XXXX XXXXl Account Number : XXXX Balance : {$19000.00} Reason : This account was reported without my written consent and therefore is a result of identity theft and should be deleted. This account is a charge off and was written off, which is reported as ordinary income which is excluded from a consumer report. This account is not related to any transaction authorized to be reported via written instructions by me, the consumer. 


Creditor : XXXX  Account Number : XXXX Reason : This account was reported without my written consent and therefore is a result of identity theft and the XXXX late payments should be deleted. This account is not related to any transaction authorized to be reported via written instructions by me, the consumer and the XXXX late payments reporting should be updated to paid on time, never late XXXX the entire account should be DELETED.
Product: Credit card or prepaid card

Bluebird through American expresss advertises get youre deposit up to two days early in which I always have in prior. Well yesterday was the day XX/XX/2018 it should have arrived and it hadnt. Already received email from employer indicating it was sent to bank. They ( bluebird ) didnt see it posted. I waited till today XX/XX/2018 and still not however when I tried to log in my account it wouldnt let me due to system issues on their end ) I call and they tell me they see it but theyre updating system give it 2-4 hours. Time passed and I call back and tell me 2-4 hours again. I used my actual bank account yesterday after hours expecting to be able to pull out the money from bluebird to cover it before overdraft fees occurred now I have less than one hour before the bank closes which locks in me getting fees because there now holding my check 2 days passed what it should have been. Im highly upset and expect my money and my fees to be credited to me or my bank. This is so not acceptable. They advised me upon one call  they have gave fees back before and I understand I chose to use my bank card that caused the fees but in my defense they were to remain consistent with providing my deposits as they have in the past. Its not my fault that they decided to cause such delays going on past 2 days so therefore I dont consider this my fault at any reason.
Product: Credit card

My daughter and I purchased an adjustable bed from XXXX in XXXX XXXX with free financing for a year. The first payment of approximately {$90.00} was due in XXXX, however, after the XXXX payment, I paid $ 100 monthly. In XXXX I received delivery of Living Room furniture, and thought I would be able to continue paying $ 100 monthly because in XXXX XXXX, I was going to pay off the entire balance. I did not discover until I received a statement from Wells Fargo in either late XXXX or early XXXX that I owed them more money. ( See Exhibit A XXXX Bill Pay XXXX ). On XXXX XXXX, XXXX I made a payment of {$490.00} ( Also See Exhibit D indicating I paid {$390.00} plus my $ 100 monthly payment ) .and Exhibit E, explaining the payment in detail. Sometime in early XXXX I was advised that it was not possible to return my {$390.00} check back. 
I made an arrangement with my daughter starting in XXXX XXXX to pay the additional {$52.00} that Wells Fargo required as minimum payment and she set it up with her banking bill pay for automatic payment every month this year, at which time I intend to pay the balance in full. ( See Exhibit B XXXX Bill Pay spreadsheet ). Upon information and belief, we had satisfied Wells Fargo 's requirements. Today I received the XXXX Statement ( Exhibit C ) indicating that I have a debit of {$430.00} on my account and my monthly payment is now increased {$250.00}. I had to place several calls to Wells Fargo to find out where this debit came from, when it was posted and WHY my minimum payment had increased from {$150.00} to {$250.00} when I 've continually paid them on a monthly basis and have not purchased anything since XXXX XXXX. 
It took the agent some time to find out what had transpired since and the agent finally discovered that the Bank, without my knowledge or approval and despite what I had been told by Wells Fargo Bank which was indicated in my XXXX XXXX, XXXX letter to US Treasury Help with My Bank, I had asked for the {$370.00} back ( {$390.00} minus the {$26.00} in arrears ) and they advised me that : " that was not possible ''. TODAY, I discovered that they not only retruned the {$370.00} back but also the {$26.00} in arrears back, without my approval or knowledge and have no not only increased my monthly amount due, but also sactioned additional late fees. See E2, E3, E Attachment 1, E Attachment 2 & E Attachment 3.. I do not know when Wells Fargo assessed these charges, I requested the date of the posting but was never advised.
Product: Payday loan, title loan, personal loan, or advance loan

This company is conducting illegal loans it charges over 400 % interest which is illegal in my state of XXXX XXXX its a pay day loan under the pretense of an installment loan using tribal land to conduct illegal business practices. It bankrupts the people who use its services and lies and is a predator loan company. This company is in violation of the rico act. It attempts to collect more than you owe and the interest rate is immoral. The federal government should step in and put a stop to this insane lending at interest rates that would bankrupt anyone. I am a citizen of the XXXX and not a citizen of a tribe and revoke any consent I have given you and am under federal law and jurisdiction. This is illegal and should be stopped.
Product: Debt collection

The company is threatening to do an initial credit reporting of a medical account PRIOR to sending me the required validation notice. They are refusing to allow me the required time that a consumer legally has to dispute the debt or any portion thereof. This came directly from a manager. She was upset about me bringing up my rights and immediately stated that they were going to report to initiate credit reporting because I am disputing the debt.

Also, one of the supervisors was trying to bully me into paying my boyfriend 's debt. He has 3 or 4 accounts in their office. I refused. She violated his HIPAA rights and also violated the FDCPA regarding third-party disclosure.
Product: Debt collection

Goodmorning, My name is XXXX XXXX. About XXXX weeks ago a collections was put on my credit by XXXX collections. 
I called their collections number @ XXXX. They told me it was a lab performed on XXXX, in which I was insured by XXXX XXXX XXXX  XXXX Ive live in XXXX XXXX XXXX XXXX. XX/XX/XXXX I lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. XXXX says I used XXXX XXXX XXXX ( which they tried billing ) which is fraudulent, Ive also received no mail of the collection of monies for this lab. ) I dont have MD Insurance nor do I live in MD. I called all my doctors and they have no records of this lab being preformed or sending it to be performed for or with me. I also have a XXXX profile and it has no record of said lab. I told them this but their still acting in a fraudulent manner.I asked for the requesting/performing doctor the first time I called and it was given to me ( but I forgot the name ) the third time I called on XX/XX/XXXX @ XXXX the lady XXXX would not give me the performing doctors name so I may contact them. Ive screen recorded my XXXX records and it has no record of said lab as well XXXX said it was XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which Ive never been before I use XXXX XXXX XXXX  of XXXX XXXX or XXXX XXXX via XXXX XXXX I dont use any healthcare facilities outside of XXXX XXXX XXXX I also call yesterday and the billing person hung up on me because I believe they couldnt find the report because it is fraudulent.
Product: Payday loan, title loan, personal loan, or advance loan

The company IMPROPERLY flagged my account as a late-payment. However, this is not accurate as proof of a timely payment was provided by XXXX XXXXXX/XX/XXXX indicating that Upgrade timely received the full payment. None-the-less Upgrade refused to remove the negative credit late-payment from my account and refused to rescind any negative reports to the credit monitoring agencies. 

These concerns were communicate by phone and by email this date.
Product: Mortgage

Hi, my name is XXXX XXXX, Carrington mortgage services LLC, XXXX : XXXX, Fax : XXXX. On XX/XX/XXXX, over the mail, I received the new home insurance quote, on XX/XX/XXXX Carrington mortgage services LLC paid the new quote, by federal law, on the contract and the type of loan says that I have 30 days after I received the new home insurance quote for me to choose different home insurance, after I called carrington several times they don't want to stop the new home insurance quote, also after 5 years in row I haven't miss any payment, and the premium should go down, but carrington won't do it either, and at the top of that they want to charge extra fees. Thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX VERIFICATION OF DEBT REQUEST RE : Alleged debt in the amount of {$640.00} Dear Transunion, After reviewing my consumer report, I have some concerns about the validity of your reporting. 

This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ). 

I am hereby disputing this alleged debt, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well. 

Request is hereby made that XXXX XXXX XXXX XXXX XXXX and Transunion provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in dispute. 

Accordingly, please provide me with a complete accounting of the alleged debt XXXX XXXX XXXX XXXX XXXX claims I owe within XXXXhirty ( 30 ) days of your receipt of this correspondence. This proof must include and is not limited to : The original complete and signed contract proving that I have any obligation to XXXX XXXX XXXX XXXX XXXX for the alleged debt obligation which is the subject matter of this dispute. 

An itemized breakdown of what XXXX XXXX XXXX XXXX XXXX claims the payment is owed for. 

Explain and provide me with the method utilized to calculate the amount in dispute. 

Provide me with copies of all documents, ledgers, spreadsheets, etc., that provide evidence that I consented to pay the amount XXXX XXXX XXXX XXXX XXXX I owe. 

Identify the current owner of the alleged debt. 

Identify and accurately describe any third-party costs for which XXXX XXXX XXXX XXXX XXXX is charging me, and that you have included in the disputed amount along a complete itemization of all such charges. 

Provide the payment history including my signatures for all charges claimed from use of the credit instrument. Im disputing the amount shown on the consumer report. 

Provide me with an affidavit that the Statute of Limitations has not expired on this alleged debt account. 

Provide me with you and your clients proof of Good Standing under the laws of South Carolina and the Secretary of State along with information regarding your Registered Agent for Service of Process. 

Provide a statement showing the relationship XXXX XXXX XXXX XXXX XXXX has with Transunion, and advise how Online Information Services and Transunion gained access to my private personal data without my exclusive written consent. 

Dated : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Information : Collections XXXX XXXX XXXX Opened XXXX {$640.00}