23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear DISCOVER CREDIT CARD ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had pay off all the 3 accounts that show on my credit report. I pay each one the exact amount that it was due and have not use the account any longer. They showing on my report. I pay them off in XXXX and spoke to them about balances showing on when actually I do not have any balances. The accounts are XXXXXXXX XXXX XXXX XXXX XXXX XXXX If you need exact dates as when exact dates, please let me know.
Product: Debt collection

I hereby formally demand the removal of this erroneous account from my credit report, as I neither authorized its creation nor usage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent inquiries from my credit file resulting in alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to REMOVE any inquiries listed in Identity Theft. Once again HERE ARE THE LIST OF inquiries THAT I WANTED TO REMOVE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of several unauthorized inquiries on my credit report, as provided by XXXX. After obtaining a copy of my report, I have identified the following inquiries that I believe are unauthorized and not attached to any of my accounts. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a, I request that you conduct an immediate investigation into these matters and remove these inquiries from my credit report. 
* Inquiry Details : * 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 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  XX/XX/XXXX * Explanation of Inaccuracy : * All of the listed inquiries are unauthorized and not associated with any accounts in my name. 
* Request for Immediate Investigation and Removal : * I request that XXXX immediately investigate the unauthorized inquiries listed above and remove them from my credit report. 
* Reference to FCRA - 15 U.S. Code 1681a : * I want to bring to your attention the FCRA, specifically 15 U.S. Code 1681a, which outlines definitions and rules of construction related to consumer reporting agencies. As per the FCRA, inaccurate and unauthorized information should be promptly investigated and corrected.
Product: Credit card or prepaid card

I opened the credit account in XX/XX/2018 and reached out to the company due to hardship. I've sent letters through 3rd party service to get issue resolved with fees assessed to my account as I've received no response. At this time I'm disputing to have the company remove from my credit file as I didn't authorize nor give any permission to report on my credit report.
Product: Credit card or prepaid card

I placed an order for a XXXX Lift Trunk Small Coffee Table and the Parquet : Coffee table on XX/XX/XXXX and requested a cancellation of the order on XX/XX/XXXX. Commenity Bank was very slow and unhelpful in moving forward with a refund. XXXX XXXX finally successfully processed the refund, but Commenity Bank has been unnecessarily difficult in getting a refund check and it has been a month since my last conversation with them.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX , and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Product: Bank account or service

Over the past couple months my Bank of America checking account has started to receive a {$12.00} fee. I was told this {$12.00} fee is because I do not have a direct deposit of $ XXXX set up on my account. The {$12.00} is waived if you have a $ XXXX monthly direct deposit set up to the account. The problem is I have been conducting {$250.00} transfers from my account at another institution for over XXXX years and have never had a fee for this. So why now? I was told by an online representative that I am now receiving the fee because my transactions are transfers, not deposits. However, my girlfriend has relationships at the same places and conducts the exact same activity that I always have. She is not being charged the {$12.00} fee. How is it that BofA can be allowed to charge me but not her for the exact same activity? I believe this is a form of discrimination. Unless they can identify every person who transfers money instead of having it directly deposited and applies fees to all of those customers I should not be receiving this fee. Why I am I being targeted all of a sudden? My activity has never changed so why am I being charged for that now?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been victim of identity theft and I keep trying to fix it, I already contacted everyone regarding this matter, yet no one is helping me. Someone has opened a loan under my name without me knowing. I already contacted you as well for this problem but yet there is no action. Please help me to fix my credit and remove the fraudulent account from my report. 
It is XXXX XXXXXXXX XXXX XXXX XXXXXXXX loan, Date opened XX/XX/2022.
Product: Debt collection

Around XXXX of 2013, When i was pregnant and still a tourist in this country a doctors office that was supposed to do a ultrasound on my belly. My husband at the time was the financial responsible for everything and yet i still got charged hundreds of dollars for something not executed. 
Fast forward, 7 years later im sill being accused to own {$710.00} for that clinic. The collector refused to provide me the proof of the paperwork for that XXXX XXXX and failured to pursuit my ex husband and as in today i noticed my credit report got affected with that {$710.00} 7years old ultrasound. I lost 46 points and it feels like after 7years they should not be harassing me anymore. Im trying to find a way to report this collector/ clinic
Product: Credit card or prepaid card

My brother XXXX called in and spoke with a XXXX whom shared my account balance and the fact that my account is an interest baring account rather than a XXXX percent interest account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not obeying the law. 
Section 605B of the FCRA Says that I am to provide 4 things and then the CRA is supposed to block the items no later than 4 business days after I identify them.

Section 605B of the FCRA comes in 5 parts, ABCD and E.

They are set up in those categories because that's the order they are supposed to be obeyed. Experian is actually jumping to C without doing A or B. 
I have inquiries that are fraudulent on my credit file and I gave them everything they needed and they refused to obey the law. They're trying to tell me C can be done before A or B. They are breaking the law and I want them to obey the law. 
I have included screenshots of the inquiries that are fraudulent and need to be removed and also appropriate proof of my identity my statement that I didn't do it or cause it to be happened and also a copy of the identity theft report. So they have no reason not to obey the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit beuarus are refusing to correct inaccurate information such as in quires and also proof of things that should be delete these companies have not provided any original documents or any contracts bearing my signatures and yet they still reporting and not being held accountable. 

XXXX  refuses to reflect changes that have been made instead they send generic response about a 3rd party disputing on my behalf. ( I am not 3rd party ) XXXX  REPEATEDLY ignores requests from companies which make it impossible to get corrections handled without threatening to file a complaint and this is even after presenting documents. They take months to respond unless you are filing a complaint then they respond within 24 hours .This is very funny to me that it takes these steps to get a response deletions need to be as soon as possible because I have been disputing since last year to get this fix. These are harming my credit and the lack of action being taken is ridiculous. Please ensure that XXXX  follows suit and honor all documents for accuracy
Product: Mortgage

LoanCare sent off my insurance payment on XX/XX/XXXX, and I paid off my loan on XX/XX/XXXX. they stopped payment on the insurance check. I would not have known if my insurance didnt call me. After this process, they owed me a refund of {$1600.00}. It is now the XXXX of XXXX, and I still have not received a check. After calling them multiple times, I get different answers and different totals of what they owe. This last conversation, as of XX/XX/XXXX, they paid my PMI after I paid the loan off. Now I am fighting to get back my {$150.00}. This company is poorly managed ; they raise my money every year due to poor management of escrow. I am thankful to be done with them but I want my money. The managers or customer service are rude, talk over you, and don't care in the least.
Product: Mortgage

My name : XXXX XXXX I have sent {$5000.00} to BSI Financial over 30 days ago XXXX XX/XX/2021 ) to be applied to my account as interest, principle or escrow and the funds have not been applied to my account. 

My address : XXXX XXXX XXXX XXXX, XXXX CO XXXX My Tel. XXXX My Property Address : XXXX XXXX XXXX XXXX, XXXX AZ XXXX BSI Financial : XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, PA XXXXXXXX Main line XXXXXXXX Fax XXXX NMLS # XXXX Branch NMLS # XXXX XXXX. XXXX BSI Acct. No. XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX. 

Inquiries : XXXX  XXXX XX/XX/XXXX : XXXX XXXX  XXXX XX/XX/XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted all three Credit Bureaus regarding XXXX XXXX XXXX XXXX Credit Card for {$15000.00}, now it been sold to XXXX and the Inquiry that are on my report is also not mine XXXX XXXX is giving me the most issue with this and will not help me nor remove this Fraudulent Account After sending them a New Police Report and a Letter showing this is Fraud what they are doing is Illegal. Before all of this I tried to have this fixed with the XXXX XXXX Directly letting them know & showing them Proof that I never opened this account Ive never had a Credit Card with with them what so ever nor had I lived at the address they had for me in Texas EVER, they also refused to give me copys of the Credit Application.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenses to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

I reserved a room at  XXXX   XXXX   XXXX   XXXX   on  XXXX / XXXX / 17  to be checked in at  XXXX / XXXX / 17  for the amount of {$220.00} through  XXXX , all because of the good price and the FREE CANCELATION note and I was supposed not to get charged until I arrive to the place. Soon after they sent me an email with their hidden policies, where they stated that for me to cancel it would have to be 14 days prior to the booking date. As you may understand I had gotten the special with the FREE CANCELATION note due to the fact that I may have to cancel if anything comes up with work. I tried to do so and the  XXXX    XXXX    XXXX  kept bombarding me with their policies and that I should had called  XXXX  says prior to the reservation, mind you it was 1 day before the actual check in date.     I politely hanged up the phone and resorted to call my financial services, in this case Chase Credit Card services. I explanied my issue and they did resorted to help with a dispute. However today on  XXXX / XXXX / 17  I received a call from such services and was told that the merchant had fought back with their policies, that the only way for me to win the dispute would be by providing them with a written notice that I  may  have received from  XXXX    XXXX    XXXX  saying that they will be refunding the money. I obviously do not have such notice because this is the reason to begin with why I made the dispute.     In conclusion they are just telling me that I have to give my money to this devilish resort for no service provided at all. I would not have a problem of maybe they offered me a free pass for another date but it is not the case. This is modern theft and I feel rob, Please help me.      XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX   XXXX  )  XXXX
Product: Money transfer, virtual currency, or money service

I attempted to XXXX money s hold was place and I was told it would take 24 hrs. I asked my back bmo harris what was happening and they said it would take 24hrs to fix. I stated that is to long don't send the money but please fix security issue. Then the money was sent anyways. And I am unable to get it returned in the amount of {$350.00} dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed the inaccurate accounts that are in my credit report last XX/XX/2021 but to no avail the credit reporting agencies did not fix my problem nor did they investigated or gave me a response. On top of that, they did not verify if the accounts they are reporting are even right! I know that they should be reporting with maximum accuracy but they are clearly not and it's hurting my credit score big time. Please help me resolve this with them as I am losing my patience and I don't know what else to do.
Product: Credit reporting or other personal consumer reports

My credit report contains items that are the result of fraud, none of which I have ever benefited from or had any involvement with. Despite taking the responsible step of reporting this issue to the Federal Trade Commission, these fraudulent entries continue to remain on my report. This ongoing situation is deeply frustrating and feels like a complete disregard for my rights as a consumer. Its incredibly distressing to see my financial reputation tarnished by something I had no control over, and the continued presence of these items is causing me significant stress and anxiety. It feels unjust to have to endure the consequences of someone else 's fraudulent actions while my own efforts to resolve the matter are ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my free annual credit reports from XXXX, XXXX, and Experian, I noticed an open account with XXXX XXXX from XX/XX/2018 that I never applied for or requested with a limit of {$8000.00} that have not been used. I am not sure if this is an error or a fraudulent transaction, but I also noted there were hard and soft inquiries from the same company on the day the account was opened, XX/XX/XXXX of 2018. The information listed on the XXXX  credit report is " XXXX XXXX '' and account number " XXXX. '' I have no other information regarding this account because I have never received anything in the mail to my physical address or through my email.
Product: Mortgage

Escrow Payment Plan Loan # XXXX On XX/XX/XXXX, my mortgage loan was transferred from XXXXXXXX XXXX  to M & T Bank. Prior to the transfer, I was assured by XXXX that a XXXX repayment plan for the escrow shortage could be arranged to help make any payment increase more manageable. During a joint call with a representative from M & T and XXXX, this arrangement was confirmed. 

However, after the transfer, I contacted M & T Bank multiple times to confirm the XXXX plan. I was told that it was still under review by the escrow department. After several follow-up calls and speaking with different representatives, I was later informed the repayment plan was denied because the increase was not due to a lender error but rather a rise in property taxes. 

To verify this, I contacted XXXX XXXX, which confirmed that my taxes increased modestly from {$6900.00} in XXXX to {$7500.00} in XXXXnot enough to justify such a significant payment increase. Despite this, M & T raised my monthly payment to {$960.00}, which is not affordable for me. 

I feel that M & T has not honored the original promise made by XXXX and confirmed at the time of transfer. The inconsistent communication and denial of the agreed-upon payment plan are unfair and have created undue financial hardship.
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 accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEBT XXXX XXXX XXXX
Product: Checking or savings account

with regards to previous complaint bank of America lied and deceived me just so they could closes out the complaints they sent me a bogus cashiers check that got my sisters bank account closed they sent me bogus research complete letters one says XXXX XXXX XXXX the second which is who i am the other just says XXXX XXXX when i opened my checking and savings account in XXXX she statments said the second when i recieved the wire from investment then sellinng cars and selling house that put my account way over XXXX they did something and took the second off my accouns ending in XXXX and XXXX then in XXXX this third account pops up while i was in hospital and it has the second on the name but i didnt open it they toook XXXX out of my accounty and put into it transfered XXXX to related account is all it says on statement they let enormuse ammount of money go out didnt flag or? one transaction but lock card on me over XXXX dollars they set there and did this so called investogation send me a cashiers check and letters stating they found fraud and i cash the check now chase is closing account and wont release funds called bank of america and like always they no nothing just says funds deposited into account wasnt mine when it comes toBasnkl of america accounts and yes they where my fund they came from selling my house and cars and my invetmnent account you guys let someone take them thought youy where trying to make right but then do this the disrepinces in the paper work they sent show they where up to something hiding something and i will find out what cause i know for facrt they attached my accounts to someone elses name that why they startied putting just XXXX XXXX XXXX instead of XXXX XXXX XXXX im left with no choice but to obtain legal counsel
Product: Debt collection

The company called me at this morning which is outside of the allowed time frame, I explained to XXXX that I reside in AZ and it is not MST but we are currently on PST. She stated she was calling to resolve the debt and asked when was the best time to call. I advised her to call within the allowed government time frame to discuss the matter and that I was currently unemployed.