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

i just find out that on my credit borough reports i have 3 collections in a small amount in a total of {$450.00} 1. XXXX XXXX, $ XXXX, 2. XXXX XXXX XXXX XXXX, $ XXXX, 3. XXXX XXXX $ XXXX. 

I don't know what is about, i just can guess according to original creditors names ( whish i found on credit reports ) that its medical outstanding bills. I never received any letters/notices from Collection/Or-and/Original creditors that i own some money. 
I am a medical provider too, in case i want to put patients for the collection I am always mail them certified green mail card which must be signed by the patients. Then i am allowed to put patients for collection because i have received proof that the patient received a notice. A few month ago some collectors was trying to call me about some outstanding amount, they just verified my name, but when i asked them Can you please email me or mail a bill/statement from original creditors so i can Verified where is the source of my outstanding but I WAS HANG UP THE PHONE immediately, for me looks like that just they just want verified my name and its more than enough to put me in a collection.

Another way, because i have very valuable time I would like to pay these outstanding balance and forget about this., and unfortunately i am unable to do it because when i have clicked on XXXX  , Equifax , and XXXX  collection names I DO NOT HAVE ( website link ) an OPTION to pay it OFF. I did search by creditor names on line and its brought me to their subcontractors websites where they offer some some credit card and other things.

For Example on XXXX  Credit Borough I have clicked DISPUTE button and its brought me to : XXXX XXXX XXXX XXXX Its Not fair to me, like i mentioned above i would like to pay OFF a balance i have and even not to thing what is about. BUT i do not have an options to do it on their website. I have made a few calls by the name i found of my credit reports and i was switched to companies who offer some services to clean up a history for monthly fee etc.

1. The reason is it has to be removed from XXXX, Equifax and XXXX  that is NO link from original creditors/or collection agency to PAY OFF a collection Balance.

2. XXXX, Equifax and XXXX  must have received a confirmation from original creditors that debtors have received a notification ( NOT just phone calls to verified the Names and hang up the phone after )
Product: Vehicle loan or lease

I purchased a car on XX/XX/XXXX with Drivetime auto returned it on XX/XX/XXXX. They advised that I could turn the car back within 5 days which I did they advised if I was not satisfied with the car I would receive my deposit back of {$590.00} for nearly two weeks they have had me back and forth advising they are waiting on a check from corporate office in order to refund me my money. After being back and forth for 2 weeks they now advise they are not giving me my money back and that I was lucky they did not charge me more. More than anything this has been a deceptive way of keeping my money they gave me paperwork showing the deposit and I never thought that I would have to go through this to get my money back after this being my second car loan with this company. If they are doing this to me they are doing this to many other people making people believe they are returning the money having you back and forth and after two weeks then put you on to the manager and tell you that you are not getting your deposit back. I should not have to keep calling your office and coming by and running up and down for nothing this is deceptive disgusting and needs to stop I want my money back I do n't have your car you gave me the run around for 2 weeks and having me stop my day calling you and coming by your office this is unacceptable to the consumer. I got a piece of paper showing my {$590.00} he had me back and forth for my money no one understands all of this other than they do I only want my money back as they agreed verbally for more than 2 weeks that I would get it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report, I see that the unauthorized inquiries still persist. Despite having communicated with Equifax and XXXX and requesting a reinvestigation, regrettably, the issue remains unresolved to this day. 

Equifax 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized EQUIFAX MTG Date of inquiry : XXXX/XXXX/XXXX  Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized EQUIFAX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Debt collection

i submitted a complaint with the CFPB on XX/XX/scrub>XXXX XXXX XXXX XXXX company responded that they verified the debt, but i still havent received anything!!!! and now its saying XXXX XXXX XXXX XXXX?! that not even what the credit report read!!!! i havent rented nothing!!!! Please send documents because i dont know who these people are!!!!
Product: Debt collection

I have a charged off American Express account that I am trying to take care of. 

I have been working with American Express directly and one of there collection agenecies out of XXXX called XXXX XXXX, I believe. 

I have been trying to reach a settlement agreement with them for quite some time since XX/XX/XXXX till today XX/XX/XXXX. 

I have been offered as low as XXXX to settle the account but they will not put the settlement in writing. I have been told numerous times by American Express representatives that I have to agree to an immediate check by phone and then they will send me the terms of the offer. 

I have explained to them I would like to know what Im agreeing to before paying them. I believe this is a violation of the truth and lending act, due to the fact the will not put the offer in writing. 

Further more I was threatened with legal action several times as well, with Im not sure they actually have the intention of doing
Product: Checking or savings account

I utilized bill pay to pay my mortgage - check was scheduled to be sent on XX/XX/XXXX. On XX/XX/XXXX, I viewed my account and discovered that 2 checks were sent. I immediately called the bank to rectify the error and was told that there were 2 Bill Pay Accounts setup ( 1 Did not have the account number ) - which, I did not create. I was told that the 2nd check was returned and I would be refunded the return fee. On XX/XX/XXXX, I saw that the check was reprocessed and requested a stop payment however, on XX/XX/XXXX, my account was in the negative because the check was cashed. I then spoke with a bank supervisor ( who refused to give me any identifying information ) - who told me the check was cashed and there was nothing that he could do about it because " the computer made the decision. " I went into the local branch to speak to someone in person however, I was directed to " call the call center, we no longer deal with these issues at the bank. '' I submitted a complaint with CT DEPARTMENT OF BANKING On XX/XX/XXXX and was told that my complaint would be transferred to CFPB. I also submitted a complaint at Citizens online in XX/XX/XXXX- only to hear that this was my fault. Right now my account continues to incur fees because, the bank has refused to return my money.
Product: Debt collection

National Credit Systems XXXX XXXX XXXX XXXX, GA XXXX I called National Credit Systems and they do not even own the fraudulent debt but yet they are reporting it as mine on all three credit bureau XXXX 

National Credit Systems made no attempt to validate the debt as mine and sent me to another company. 

The documents that, this other company, sent me did not have my signature on them and they were not complete, as they were missing pages, nor did the provide me any type of identification proving it was mine. 

I demand that this National Credit Systems remove this debt for ALL credit agencies and National Credit Systems has until XXXX XX/XX/2022 to get it done or I shall bill them {$1000.00} per day until this fraudulent debt is removed. Additionally, National Credit Systems or any of it subsidiaries shall NEVER report to any credit report agency ever!!

National Credit Systems can't validate that this debt is mine. National Credit Systems can not even prove that they own the debt and National Credit Systems inappropriately place it on my credit report without the legal right to do so. and it MUST be removed!! 

Thank you, XXXX XXXX
Product: Credit card

Since I requested to stop sending catalogs to my address, my online account shown cero balances, unable to make payments online. That option of me making my payments online was taken away from me without any explanation. When speaking to representative on phone said I will receive my bill in the mail. This option of mail in my payment is not convenient for me. I can not do any transactions on XXXX website why?
Product: Mortgage

US Bank in our opinion purposely misled us by placing a hold on the foreclosure processing and offering a new Stand Alone Partial Claim Agreement with a trial period payment plan. This was US Bank written solution to our CFPB Complaint in XX/XX/XXXX. US Bank failed to return the new loan documents to finalize the agreement. They failed to notify us of any new changes or termination of the offer. They failed to notify us that the foreclosure hold was removed and the account is currently in foreclosure proceedings. They failed to inform us of the derogatory marks and remarks US Bank supplied to the credit reporting agencies. They continue to abuse and misuse our available partial claim funds.

After several notices from US Bank informing us about our credit score, we took a look at our credit reports. We chose XXXX since that is the CRA US Bank chose to use. XXXX credit report showed a past due amount of {$17.00}, XXXX and a comment stating, " paying under a partial claim agreement ; 180 days or more past due. '' It gave the appearance that the new partial claim agreement had been approved and the account was brought current with the partial claim funds. We decided to look further and Experian credit report showed " foreclosure proceeding started XXXX, XXXX past due amount {$18000.00} ; account is scheduled to continue on record until XXXX, XXXX. 

We found out that our account was in foreclosure proceedings and the previous hold had been removed by reviewing our credit report. US Bank led us to believe everything was fine. We called US Bank in XXXX, XX/XX/XXXX. Lastly on XX/XX/XXXX when we made our payment it was communicated to us again that the account was still under review by their investors. Needless to say it appears the investors had already made their decision about our account based on the credit reports. What's really mind blogging is nothing was mentioned about the foreclosure proceedings nor termination of the offer when we inquired about the new loan documents.

We do not understand why the US Bank refuses to bring our account current. We have enough partial claim funds available for them to do so. We don't understand the deception. We are first time homeowners, senior citizens, and people of color. We have become distressed over this matter and now we feel like we are being taken advantage of.

This how we found out about the new foreclosure proceedings. The XXXX credit information The account was in forbearance and we were of the understanding that it would not be reported delinquent for the purposes of credit reporting due to COVID-19 effects and after effects.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I sold my condo and during the closing my HELOC with Citizens Bank was paid off and both the HELOC and associated checking account was closed. I have had a credit score of XXXX for years, and now suddenly it's plummeting every month because Citizens has reported the checking account as delinquent for some overdue payment. I have called customer service and they told me no accounts are showing as open and that I had to send an email to a seemingly unmanned email address " XXXX '' which I did. I have followed up three times and get no answer. Meanwhile, every month my score drops by XXXX points. I wanted to buy a new home, now I can not. Calling Citizens Bank customer service is a multi-hour affair always, and the email address is a complete void. I have spent at least 15 hours on this and can not get anywhere with them, they just don't care. 

They're basically ruining my life and I have no recourse. No one will help.
Product: Checking or savings account

When I was with wells Fargo I couldn't make withdraws of more then XXXX XXXX  at times. Also when j try to deposit it would never let me deposit nor withdraw.
Product: Credit card

TOTAL VISA closed my credit card account but failed to return the interest that has been made from the application that is the collateral for the bank. Since Total Visa closed the account and I no longer can benefit from credit transaction then I have exclusive equitable interest in the asset which the security is mine and all profits should be returned to me. The Federal Reserve Act strictly prohibits banks from using their assets or requiring anything other than notes, bills, and drafts for collateral of repayment of XXXX received furthermore Total Visa knows the application can be used to make millions in profits and also trade on the app. Knowing this and alleging I owe a debt and then selling the information to damage my report is knowingly committing fraud. 
A debt collector may 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 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. 
( XXXX ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. 
( XXXX ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. 
( XXXX ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. 
( XXXX ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. 
( XXXX ) Communicating with a consumer regarding a debt by post card. 
( XXXX ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had Bank of America Privacy Assist product since about 2010. Paying {$12.00} a month for viewing my credit score, and being assured that if my identity was stolen then they would spend up to {$25000.00} to help restore my credit identity. Also their credit insurance product says that they would pay up to {$2000.00}. lost wages per month, and some other coverages such as {$2000.00}. a month elder care. Having read about the suit against them for this and similar products I wish to be included in that suit. When I opened that account with them, there is no record of when I bought it, and so I would have to research my old BA statements to verify the time frame. I found on that site where I could cancel it, but there is no way to email them directly from either of their sites, and a phone call to their customer service agents wouldn't help me either, since they just send one though endless menus, and transfers to ever reach someone capable of making this right. I don't have time for the hour or more that would take! I don't want to cancel until I know I can be compensated correctly! XXXX XXXX, XXXX XXXX
Product: Credit card

On my credit file there is an hard pull from a company called AMEX IN XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MY FILE SUPPOSED TO BEEN LOCKED BUT ON MY END OF THE WEBPAGE IT STATES THAT ACCESS WERE GRANTED, THE DATE WAS XXXX XXXX, I DO NOT KNOW EXACTLY THE HOLE AMOUNT BUT IF I HAD TO GUESS I THINK IT WAS AROUND XXXX. 
AND THERE IS ANOTHER COMPANY CALLED XXXX XXXX the address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX IT WAS AROUND XXXX DO NOT KNOW THE AMOUNT OF THE OPENING OF THE ACCOUNT BUT IT WAS THE SAME AS THE AMEX AND THERE IS ONE MORE Someone obtained a loan of XXXX $ at national credit adJusters, the person iam assuming an willing to go under oath on this assumption her/his name is cookie/syhpher you will know what she look like she got out my car XXXX XXXX we were at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX she were working with XXXX XXXX XXXX, I am reporting XXXX XXXX XXXX XXXX this should be the last run iam tired XXXX got out of jail XX/XX/XXXX And he did not have teeth procedure done to his mouth I have bill statement from the last time I went XXXX only paid XXXX the activity on my account is fraudulent I only did owe. XXXX but end up owening $ XXXX he is at his way XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The incident happened occurred around the month of XXXX the XXXX through the XXXX at XXXX XXXX  XXXX  XXXX my national provider insurance number has been compromised I just received my new one in the mail not too long ago but I lost my wallet about a month ago I still have my police report on that XXXX just got to go buy it again it had my old XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX number started with was XXXX XXXX XXXX  written XXXX, XXXX, XXXX XXXXXXXX, inspector general of XXXX, XXXX XXXX SHE LIED the XXXX on XXXX XXXX, IVE EVEN WROTE THE XXXX XXXX sign up P.s by the way I received a letter from the department of the Treasury it was a 1040 but it had red numbers on the top of it 924 and it's crossed out with a letter N beside it then they wrote an routing number in RED ink were the dependents columns are.the date they returned for signature XX/XX/XXXX, XXXXand they received my form XXXX XX/XX/XXXX document perfection operation XXXX and there's another received date XXXX the XXXX XXXX and it says received and there's a number it says XXXX. The XXXX locations were department of the Treasury internal revenue service XXXX Texas XXXX fax number XXXX I think this is the XXXX that XXXX XXXX signed and send it back to me he got stuck there because I received a brown envelope with a slit in the middle of the envelope with green strips on it I wrote the inspector and the oig of the XXXX they should have my tracking number. In the other address or business is department of the Treasury internal revenue service Kansas XXXX Missouri XXXX fax number is XXXX. The last business is department of the Treasury internal revenue service mail stop XXXX XXXXXXXX XXXX XXXXXXXX and their fax number is XXXX.
Product: Credit reporting

experian report had me and son on the same report he had s.s.number with XXXX mine with XXXX. t been deny credit become of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been victim of ID theft, and therefor two XXXX accounts were opened under my name with out my knowledge ( FTC attached shows all the account numbers and the opened dates and the amounts ), and my credit was XXXX  beyond my imagination that such thing can really happen. i have tried to call the creditors and also the bureaus TRANSUNION who is not trying to help what so ever, my life has changed beyond imagination. i hope no one would go through as i have gone during the last two years. i have research and found out that you would be able to help since you look after consumers and defend their rights. i will be attaching my police report and all the FTC reports that have been providing XXXX  transunion and XXXX. please have these fraud accounts removed from my credit file thank you and XXXX bless you.
Product: Credit card or prepaid card

Bank of America has received funds from the FDIC from which they were supposed to credit my account with and they have not nor have they returned the funds to the FDIC they are not honoring there zero liability policy and also not respecting state and federal laws in regulations
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

PayPal Credit Account Opened in my name. I have no knowledge whatsoever of this account. 

Reported to PayPal credit by phone a few months ago. Received letter stating that based on their investigation they were unable to validate my claim of fraud. 

Completed signed Affidavit of Fraud to PayPal Credit today.