23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In  XXXX  of    2016  we were cont acted by First Guaranty Mortgage Corporation about refinancing our home for a lower interest rate. One year later we have a negative escrow account to the tune of more than {$2900.00} and now our mortgage payments have increased more than {$200.00} per month for twelve mon ths. We have paid our mortgage every month on time and refinanced for a lower interest rate only to be punished with a mortgage payment that we can not afford.  XXXX   XXXX   XXXX   XXXX  is servicing the loan and has continually maintained that the problem occurred at closing with the refinance through  First Guaranty..
Product: Credit reporting

I have paid both XXXX XXXX accounts on XXXX/XXXX/16. XXXX accounts reflects it was paid but not the other. They both cleared the bank on the same day.
Product: Credit card

I applied over the phone for a credit card that was advertised on USAA website as a 1.5 % cash rewards credit card. I think it was a new product at that time, so when I called to apply the lady had trouble finding the specific XXXX I wanted, but after a few minutes on hold she came back and said that she had found the 1.5 % cash back World MasterCard that I wanted to apply for. We went through the application process over the phone and at XXXX other times throughout the conversation I verified that this was the 1.5 % cash rewards card. I was put on hold again XXXX of these times and the worker came back to the phone and said yes, this is the 1.5 % cash rewards program card. After a few days I got the card in the mail and it was just the plain USAA World MasterCard, not the 1.5 % cash rewards card. I already had a 1 % rewards card from them. So after several unsuccessful phone calls to their executive resolution people, I sent a consumer dispute form to them detailing that I wanted the card removed from my credit history and deleted, not cancelled. ( I was told over the phone multiple times that the only thing I could do was cancel the card, but I will not do this because it lowers your credit score from my understanding to have an account opened then closed within a month period. ) They contacted me and said they could not do what I wanted by removing the inquiry from my credit history because I did authorize application and that I would have to cancel the card and re-apply. I authorized application to the 1.5 % and not the card they gave me, so I believe it is their responsibility to remove the application from my credit history.
Product: Payday loan, title loan, or personal loan

Today I got charged on my debt card i did not authorize by TEMPOE i told them repeatedly to only take the charge as of XX/XX/2020 i told them repeatedly only charge me the amount BUT not to save in system until i get my replacement card in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am writing this complaint against Experian and XXXX. Experian and XXXX  both said they verified a Fraudulent XXXX XXXX collection account on my credit report. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


I have also attached the correspondence I have rec-ivied from experian and XXXX. 
I have also attached my ID so Experian cant falsely say I hired someone to dispute these for me. 

I also want Experian to know I have filed a complaint with the Attorney General Office and my next step is litigation
Product: Debt collection

I receive continual phone calls from this company, and I have no existing debts. If I continue to receive phone calls from any number, of which I report, I will subsequently seek legal council, and pursue punitive recourse against further harassment.
Product: Vehicle loan or lease

I had a 3 year lease on a XXXX with auto payments and it was returned in XX/XX/XXXX. I have never missed a payment on any bill since year XXXX. In XXXX XXXX I moved and notified XXXX of my address change. Apparently there was a final bill for {$730.00} for inspection and return. That payment should have been taken from the Auto payment. I never received a bill. A year later I received in the mail at current address a notice of amount due {$730.00} from XXXX XXXX. I called them and told them I would pay some of the bill. There were inaccuracies as to an accident where a XXXX insurance payment was paid by the person at fault to XXXX ... also a year after auto was returned. 

I called XXXX twice and I was forwarded to a deptartment that had closed the case. No one answered and I could not leave a voice message, because the account was closed. 

I wrote three times to XX/XX/XXXX and they sent me in the mail a " Your Dispute Results '' which gave me my report of delingquent payments on all accounts, but said nothing about my dispute.
Product: Checking or savings account

On XX/XX/year> I saw an ad on XXXX XXXX a sale with XXXX XXXX. This ad had looked exactly like the company website with all the same photos and logos. They seem to have stolen the photos. I clicked on the link and ordered {$140.00} worth in merchandise. Right after I placed my order my husband received an email at XXXXXXXX XXXX XXXX ordered this for him and used his email, stating that they were getting ready to ship the order, but I noticed it had something weird above the thank you for your purchase and then looked at the email and realized it didn't come from XXXX XXXX. My husband and I began looking at the site we were on, and it wasn't XXXX XXXXXXXX XXXX website it was XXXX  Ten minutes after getting the first email he received a second email stating that they received the order, but it appears unpaid once the payment is confirmed they will then ship the order. I checked my bank account, and the {$140.00} charge was taken from my account under a XXXX. I called Chase that night to report the scam and open a claim. I have never received the merchandise from the company. I have never tried to resolve this with the company because they are phishing for more of my information. Why would I try to resolve this with a company who lied about who they were to get my money, then lied about getting the payment to get more information from me. There was never a problem with my payment because they took the money out of my account. Chase has denied my claim twice because I will not try to resolve the issue with the fraudulent company.
Product: Debt collection

Date : XX/XX/XXXX To : XXXX XXXX & SmithDebnam Re : Fair Debt Collection Practices Act Violation As amended by Public Law XXXX, title X, XXXX Stat. XXXX ( XXXX ) and as a public service, the staff of the Federal Trade Commission ( FTC ) has provided us consumers the following text ( Excerpts ) of the Fair Debt Collection Practices Act XXXX. XXXX. Unfair practices A debt collector XXXX not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
XXXX XXXX  and their attorneys violated my rights regarding an unlawful letter that was mailed to me by XXXX XXXX  Attorney containing content that was untrue and unlawful and a direct violation of 15 U.S. Code 1692e - False or misleading representations.

I have made several complaints regarding this and now I am hiring an attorney because it has devastated me and caused me mental anguish ever since I received a letter from the creditors ( XXXX XXXX  ) Attorneys ( SmithDebnam ) dated XX/XX/XXXX. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the amount the attorneys were asking which is not nor has it ever been consistent with what XXXX XXXX  has confirmed multiple times that I allegedly owe. 
SmithDebnam XXXX  me when I received a letter from attorneys at law and demanding payment of {$3400.00} which is over and more than the amount that XXXX XXXX has stated and confirmed multiple times through many disputes of the amount that I allegedly owe XXXX XXXX is in fact {$2300.00}, nothing more or nothing less. 
This is a direct violation of 15 U.S. Code 1692e - False or misleading representations, a federal violation. 
The actions of XXXX XXXX  and their attorneys Smith Debnam also violated XXXX XXXX laws with the same unlawful action, XXXX XXXX XXXX. XXXX Deceptive representation No debt collector shall collect or attempt to collect a debt or obtain information concerning a consumer by any fraudulent, deceptive or misleading representation. Such representations include, but are not limited to, the following : ( XXXX ) Falsely representing the character, extent, or amount of a debt against a consumer or of its status in any legal proceeding ; falsely representing that the collector is in any way connected with any agency of the federal, XXXX or local government ; or falsely representing the creditor 's rights or intentions. 
I would like you to respond as to your position and what you propose as a remedy to these violations prior to me turning this entire nightmare you have put me through over to a FDCPA lawyer and filing a complaint with the XXXX XXXX XXXX XXXX  outlining the specific charges I feel you have violated. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of this year I found out through my XXXX and XXXXCredit Report that there is a closed Bank of America account listed as a charge off in my credit history. After multiple attempts to contact Bank of America with notarized affidavits, letters and calls it has yet to be removed from my credit profile.

Bank of America has failed to contact me or provide any fraud packet or assistance since Ive started to dispute this card. Ive sent them countless documents proving that my identity was stolen but without even information of where and when somebody applied for it, theres little more than I can do.

At one point they removed it for a period of 2 months and then for whatever reason put it back on my credit report.

After further investigation I was able to obtain the account number because nobody in at the Bank of America has been able to provide me with an application, address or any information other than the following : The credit card was charged off on XX/XX/2017 a balance of {$750.00} This is a fraudulent account, opened without my permission or authorization. I have not obtained any benefit from this credit card. 
FTC Report has been filed # XXXX
Product: Credit reporting or other personal consumer reports

I Would Like to dispute XXXX inquires on my credit reports as i have received no services from these companies. ( 15 usc 1681 b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had contacted this company XXXX XXXX  to try to take care of my student loans which I decided within their timeframe that I did not want to do buisness with them so they sent me email of my cancellation but they still withdrew funds from my checking account which took months to get back & I have recently noticed they reported this on my credit which is uncalled for especially when I canceled before their timeframe was up.I decided to go thru a much better company
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a car on XX/XX/XXXX and XX/XX/XXXX from two different delaer ship. They were asking for my original social security card which i had in XXXX. I moved here to XX/XX/XXXX. They told me the reporting agencies can't verify my social and also the date of issue and considered me as a fraud.
Product: Credit reporting or other personal consumer reports

I want this hard inquiry from Capital One Bank removed from my credit report immediately. I did not authorize my credit to be ran.
Product: Credit reporting or other personal consumer reports

I currently have 2 different car loan amounts on XXXX credit report
Product: Checking or savings account

Wells Fargo bank just up and closed my checking and savings account as of XX/XX/XXXX with no recourse to object or respond. I had my S SA retirement funds direct deposited every mo since opening the account in XXXX. Never overdrew, Only used Debit card and paid bills to Wells and others. I used debit card mostly in XXXX with no issues because I have volunteered here for the past few years, living here full-time. I used their credit cards here also, never was behind, never had a late payment. 
Wells with their unfounded action has caused me problems with my SS payments. I have no other bank and most likely all my payments will be in arrears until I have made a new account and funds can be held up for XXXX XXXX months.. 
They have no useable E-mail account to file components ( as they are required to have ) and no one will give out info on the phone. 
They have given me no way to correct any issues they think they had with me and give me very notice.of their unfair actions.
Product: Credit card

XXXX XXXX has frozen all of my accounts ( which were established in XX/XX/XXXX ) and would like to perform a financial review, however they wo n't release what caused the financial review and in general seem to be very secretive on the process. They are asking to review tax forms released to XXXX through IRS form XXXX ( which they are requiring the customer to fill and sign ), however they do not state how the information will be used once obtained or what information will be used once obtained. XXXX XXXX is also basically forcing this review to occur - if you do n't comply then they blacklist you which could lead to the loss of accounts at all other financial institutions. I think the customer should have a choice, and if you choose not to release all your financial information to XXXX XXXX ( which is very nosy of them, considering they wo n't even tell you why! ), then it should n't affect any relationship besides XXXX XXXX. 

Tax forms are to be released to - XXXX XXXX C/O XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX Here are my questions I would like XXXX or XXXX XXXX to answer - What is collected by XXXX and XXXX XXXX and how do I obtain a copy? 
How will the information be used by XXXX and XXXX XXXX? 
What information does XXXX share with XXXX XXXX? 
What information does XXXX share with other third parties and how do I limit this sharing? 
What information does XXXX XXXX share with other third parties and how do I limit this sharing? 
How long does XXXX and XXXX XXXX store the information that is collected? How is it stored? 
Does the information collected get merged with my XXXX credit report in any way? If so, what information gets incorporated with the credit report and how long does it remain on the credit report? 
If the information gets stored or merged with my credit report, what happens after my taxes are filed for XX/XX/XXXX since I received a raise in XX/XX/XXXX, which means reported income in XX/XX/XXXX will be higher than the income stated on my XXXX tax return?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$270.00} Balance updated XX/XX/XXXX Original balance {$0.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your FICO Score 8. 
Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Open Account Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - PAYMENT HISTORY LEGEND Status - Status updated XX/XX/XXXX Past due amount {$270.00} Original balance XXXX XXXX Monthly payment - Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments COLLECTION ACCOUNT Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency sthall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please read attachments from FTC report for more detailed information : I hope this correspondence finds you well. I am writing to bring to your attention a critical matter concerning my credit report. It has come to my attention that there is information on my credit report that has resulted from an unfortunate incident of identity theft. I have not provided any written permissions or instructions for the identified transactions XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX to be reported on my consumer report. Hence, I kindly request your prompt assistance in blocking and deleting the reporting of this unauthorized information. 

I want to emphasize that my request to block this information is not being made in error, nor is it based on any material misrepresentation of fact on my part that is relevant to blocking the identified transactions. It is crucial to note that the identified transactions do not pertain to any transaction made by me as the consumer. 

As an esteemed credit reporting agency, I trust that XXXX understands the gravity of identity theft and the potential repercussions it can have on an individual 's financial well-being and reputation. I kindly request your immediate attention to this matter to rectify the inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the CREDIT COLLECTION SERV ( Original Creditor : XXXX )  still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureau is failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.
Product: Debt collection

I received a letter/notice from Unifin regarding a debt owed for {$810.00}. I did NOT have this kind of charge EVER! I am disputing this and will not pay it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report XX/XX/XXXX and I found 4 inquires that was unauthorized .I file dispute three time about then and I have not heard back from bureau about inquires. 

1.XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XX/XX/XXXX 3.  XXXX XXXX XXXX  XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

Filed a dispute for a charge. They came back with supposedly sending me the information to dispute and never received it. When I call I get put into endless circles and I end up spending over XXXX minute on the phone to get this resolved. I now have incurred fees and disputing them as well.
Product: Credit reporting or other personal consumer reports

I submitted XXXX disputes in XXXX and they were denied due to accurate information they found from the creditor. No proof was shown to me. This is completely inaccurate. This is not a debt owed. I provided receipts of payment to Experian as well. I did not give them permission to add the debts XXXX  to my credit report.
Product: Credit reporting or other personal consumer reports

On Monday, XX/XX/year> I mailed a letter to Transunion disputing a bankruptcy showing on my credit file. I mailed the package with a return receipt. ( Included ) I called Transunion Wednesday, XX/XX/year> to update some personal information. When I asked about my dispute I was told that my dispute had been verified on Monday, XX/XX/XXXX. This is the same day the package was received. 

I have come to the conclusion that the FTC affidavit report submitted had been ignored and this account had not been investigated by Transunion. This has to be a violation of the FCRA. 

I received a letter dated XX/XX/XXXX stating that the bankruptcy had been verified. There was a cover letter telling me that the data furnisher previously had verified the reported information and to contact the data furnisher direct ( Included ). 

Previously I was told by Transunion to go to the bankruptcy court because they are who verifies bankruptcies. The Bankruptcy court had given me a letter stating that they do not report to credit reporting agencies. ( The letter is included )
Product: Credit reporting

The balance reported on XXXX/XXXX/2016 is incorrect. See attached payment was made on XX/XX/2016 in full amount paid was {$2300.00} as attached for your review. It was Debt via EFT as attached. I contacted the Bank XXXX XXXX to verify on the afternoon of the XX/XX/2016. The funds was received and posted to the account. Proof of payment attached. XXXX XXXX called to verifying that the XXXX XXXX as well? The Balance was {$0.00} on the XX/XX/XXXX. I have attempted to resolve the matter with XXXX XXXX and Equifax as inaccurate information have been displayed on my behalf via my Credit Reports. Thank you for your assistance