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

On XX/XX/2020 & XX/XX/2020 I wrote to you requesting an investigation into items that I are Inacurate and erroneous.To date, I have not received a reply from you or any acknowledgment that an investigation has begun. I feel like I am being ignored. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days, should be reason enough for these items to be deleted from my credit report. It has been well over 45 days so they should be deleted promptly. My information has been impacted by the XXXX  data breach and may have fell into the wrong hands. 
I demand the accounts be deleted immediately or I will file for litigation due to the stress you have caused me.
Product: Debt collection

This company is attempting to collect a debt I do not owe in multiple names. They contact me by mail under ars. By email under the name acron credit and on my consumer report under absolute credit I have two of this company to remove this debt and stop contacting me many many times and they have yet to cease activity.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I have been declined credit to purchase a home due to a collection account opened by your organization that devastated my FICO score. I have never heard from your company until my mortgage company informed me of the account you have reported. Under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) this debt was supposed to have been validated prior to reporting to the credit bureaus. They have made no attempt at all. Now that I have been given the information that you have reported this I must inform you that that ownership of said account was disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZE INQUIRIES THAT DOES NOT BELONG TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I got a mortgage loan in XXXX XXXX XXXX XXXX, after having a foreclosure in XXXX, on XX/XX/XXXX, this company transferred my loan to Loancare, a XXXX company in XXXX XXXX, VA. 
I received information about the transfer including fees to make payments. I always pay online and have that service with XXXX XXXX  with NOT fee, however the new loan service Loancare charge fee on every pay option except autodraft, forcing the customer to provide them with routing number ( ABA ) and checking account number ( DDA ) and authorizing them to automatic withdraws every time, so customer will not have any control over those withdraws. 
Special request fees ( see attachment ) : Pay-by-phone ( over the phone check ) up to {$15.00} Automated phone system up to {$15.00} Online Payment fee up to {$10.00} Autodraft fee No fee Loancare did not provided any information about mail payments or bill pay service from my bank ( for this I need a physical address where payments need to be sent, most of the time headquarters address are different that payment address and if it sent to wrong address payment will be late ). 

I would like to know if this is even legal that a company enforce customer 's to share routing number and checking account number as only way to no charging to make a payment. 

I contacted company but they stated that whatever is on the letter applies. I do not want to add {$10.00} every month to loan just to make a payment online ( phone payment are more expensive ). It is like paying {$120.00} dollars more per year so in 30 years adding {$3600.00} dollars to your loan for just one customer just to pay. This is absurd. 

Thank you for your assistance and please help consumer from over pay to this companies.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account number : XXXX Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my friend sent me {$300.00} on Venmo without purchase protection. My account was immediately frozen. I called the next day and it was because there was a - {$15.00} balance and I needed to pay back the funds. usually venmo will take it out of the balance, but this never happened. the person i spoke with on the phone said they have an error on their end of the system and they have to forward it to their engineers to fix. it is now XX/XX/XXXX and i have rent due, still no fix. They have stopped responding to my emails and can not give me a phone number for anyone actually " working on the problem '' I can not access any of my funds right not.
Product: Debt collection

This is not my account! Fraud is going on wth this account and I can clearly see that I never authorized to do business with XXXX XXXX. Account shows XXXX XXXX, 2012 Amount = XXXX
Product: Debt collection

I have contacted Wakefield and Associates several times about this account. They refuse to respond to my written notification asking for verification of debt. I have no knowledge of this account and need it removed asap. The original debtor, status, payment and close date are different on all 3 reports. This is in direct violation of the Fair Credit Reporting Act. I am requesting that this debtor be contacted to provide resolution. Below is the information as report on my credit report about this account. 

XXXX XXXX XXXX XXXX  XXXX Opened XXXX Reported Unknown Condition
Product: Mortgage

My wife and I started a new home loan with Quicken Loans mid summer of XXXX.The loan was for a home being built over a six month build. Due to issues related to coved we received assistance on the beginning of our new loan. Our new loan required PMI because it was financed 89 %. We sold our old home quickly and immediately removed the forbearance from our loan. Quicken required we pay two months payments before paying down the mortgage from an LTV of 89 % to an LTV of 33.66 %. This dramatic paydown is called a recast. Our loan states PMI will automatically be removed once the mortgage is paid down below ATV of 80 % .They say I am required to pay PMI for one year after forbearance due to missed payments allowed from the cares act. I am being unfairly penalized for something that was NOT suppose to affect my standing from our lender!
Product: Debt collection

In reference to complaint number XXXX where i was not able to open the attachment. I finally did get to the attachment and opened it but it was a duplicate response of another complaint and did not address the tactics of calls being received on my cell phone number XXXX so it did not address the problem at all. The response again was a duplicate to this complaint number XXXX and i am not satisfied due to issue not ever being addressed about receiving calls to my cell phone number which is not allowed. Thanks, XXXX XXXX
Product: Credit card or prepaid card

Airline ticket was purchased for two adults in  XXXX    XXXX   on   XXXX   XXXX    2016 . The tickets were then cancelled with the airline according to their policy on  XXXX   XXXX  2016. AS per airline policy, each ticket was separately cancelled, but was purchased as  one  transaction. I received credit for  ONE  cancellation and the other ticket was NEVER refunded.  XXXX   XXXX   (  and have sent confirmation emails ) stating that  Ticket No  :  XXXX   XXXX  was was refunded via  Refund Request No  :  XXXX .     A dispute was filed with Citibank (  XXXX   )  promptly on the original purchase, as that was the only way to file the dispute for a missing transaction in their systems. During the course of this dispute, Citibank cites emirates as saying the ticket number was invalid. I have send copied of the ticket and the emails from emirates and have also independently confirmed with  XXXX   XXXX  at the  XXXX  office in  XXXX  (  XXXX  Xtn :  XXXX   )  that it is indeed a valid ticket and shows as reissued.     Citibank closed the dispute saying I do not owe a refund citing the SAME original letter they sent me in  XXXX , for which I had given all the necessary documents to show that the ticket was indeed valid. I do not believe that the merchant was contacted with the updated information provided to them in  XXXX , but the dispute was closed with a charge to me in  XXXX . I could not reach anyone that can talk to me on this matter as further attempts to reach out to Citibank was not returned / answered.     This is matter has taken several hours of my time, and I have been hung up on the phone with citibank multiple times. The last time,  XXXX   XXXX  in Billing disputes said she accidentally hung up and was on another call when another customer service agent asked for her. She promised to call me back within a few minutes on   XXXX  /2017 at  XXXX  and I am still waiting for that call back. I believe I have exploited all options in dealing directly with Citibank and need assistance in resolving this dispute in a fair manner. In the mean time, I have had to pay the balance and I believe that is extremely unreasonable for citibank to expect from me.     Thank you,  XXXX
Product: Vehicle loan or lease

I had a car loan and checking account with XXXX XXXX during the time they were taking customers money I received a check for {$100.00} plus dollars but have never been paid back for car loan that was being over charged. And taking my money? I was told I would b receiving more but I still have not
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date XXXX Inquiry XX/XX/2023,
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 Accounts on my Credit Report that are not mine, that I have disputed to all 3 Reporting Agencies numerous times to no avail. I am unfortunately a Victim of a Bank caused Identity theft. After the Breach happened and all of my cash was taken, I was told to put a freeze on my accounts and write a Consumer Statement for each of the 3 Accounts which I did. Now I can only get one Report and that's from XXXX, the other 2 told me to get one mailed to me which takes anywhere from 2-4 weeks. Anyway, these Entries are not mine and it's now caused a Sevier problem with me getting a Refi on my home I had to pay cash for because of all of this! 
As you can probably tell at this point I'm pretty Chapped about this as it has been going on almost 41/2 years now. I am not sure if you can help me out at all but am in hopes that you all can finally get them off my Credit Report so I can finally live in peace. I thank you for taking the time to read this note, and look forward to hearing back from you all. God Bless America! 
XXXX XXXX XXXX, Arizona
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to 2 accounts that I have with XXXX XXXX. One account is XXXX XXXX and the other is XXXX. In XXXX, I received several notifications from my credit monitoring service that my credit score had dropped and to verify the status of my XXXX XXXX and XXXX cards with XXXX XXXX. Not long after this I received another notification that my score had again dropped because my utilization on my XXXX XXXX   account was now over 90 % of the limit which was also inaccurate because the balance was only {$140.00} on a limit of {$250.00}. I immediately contacted XXXX in regards to both accounts. I was informed that neither account was closed they were only frozen for 90 days due to returned payments. I was also told that XXXX XXXX lowered my credit limit on my XXXX XXXX  account from {$250.00} to {$150.00} due to a decline in my credit score. But the decline is due to the inaccurate reporting of closed accounts that are not actually closed. 
I am aware of the returned payments which were due to fraudulent activity on my bank account and my bank put a freeze on my account of all activity while they investigated. I have also emailed XXXX in regards to these impacting changes. I can prove what the scores where prior to and after the mentioned changes made by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found a multitude of errors listed that is a direct violation of my federally protected consumer rights. 

For example : According to 15 USC 1681a 2 ( A ) ( i ), the term " consumer report '' should not include reports containing information solely about transactions or experiences between the consumer and the person making the report, except as provided in paragraph ( 3 ).

In regards to 15 USC 1681a 2 ( A ) ( i ) : EXCLUSIONS from Consumer Report. You are in direct violation of FCRA 15 USC 1681a 2Ai by including transactions and/or experience ( transactional ) information in my consumer report, which is explicitly excluded by Congress. 

Delete ALL erroneous data of late payments and balance data from the following account/s within XXXX calendar days by updating the payment history to current XXXX & block/remove the balance information listed.

( SEE ATTACHED ) ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

In the last 3 weeks I am again receiving threatening phone calls from XXXX different agencies stating they are holding a summons in their hand to be served to me at my home or my place of work. They leave this message on my phone and tell me they are coming after me within XXXX to 48 hours. Each of the XXXX times I have replied to their calls, they ask my name and proceed with more threats of consequences and that it is Chase Bank filing the charges. When I continue to tell them it 's not mine, they told me a social security #, which, again, is not mine. Then they continue to interagate me until they finally say the attorney will remove my phone # from the list. This call came from, XXXX XXXX from XXXX. He told me to call the party who was filing the charges, but gave the same # that he was calling from. XXXX. When the phone call was answered they said " XXXX XXXX '', this is XXXX. He asked me if I was born in XXXX, I laughed and said no. ( I am XXXX XXXX XXXX ) The earlier call was from restricted # but gave me # XXXX to call back. It was from XXXX XXXX who continued on to tell me I needed to contact her within 1 hour to avoid any more consequences of the hostile order charged against me for not making contact. When I called that # it was XXXX. Again, this was Chase Bank filing charges against me. Gave me a ss # that was n't mine and she said she would remove my name and number but warned me of purgury. So I guess she did n't believe me and that 's why I got the other call today. How can I stop these threatening calls, they are very disturbing to me and frightening.
Product: Debt collection

ON XXXX the company RECEIVABLE MANAGMENT GROUP RESPONDED TO A COmplaint of mines in a frivolous manner.i want this company to be advised that all corresponding between me and this company will be held againt them for LEGAL purposes.i am DEMANINg this company delete this collection from my consumer report.they have violated my rights on numerous occasions i have giving this company numerous opportunities to do so. all corresponding documents againt this company will be held for leagal purposes BE ADVISED, I HAVE JUST GIVING YOU A FAIR WARNING!!! this company had volated my consumer rights and is aware that they have .so as my rights i am entitled to get in contact with my state attomey general for further assistance ..i will invoice this company baed on the statements of facts that they have provided me whith, which is has been considerd a violation under the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. I WILL BE INVOICING YOUR COMPANY WITH THE VIOLATIONS YOUR COMPANY : RECEIVABLE MANAGMENT GROUP HAS COMMITED AGAINT ME
Product: Mortgage

We were told during the automatic payment process that the only way to have my bi monthly payments applied to the loan was to set up bi monthly automatic payments. However, the company just holds the first payment until the second payment comes in.
Product: Credit reporting or other personal consumer reports

I have learned that my credit report contains some incorrect information. I am requesting that the three bureaus remove this incorrect information. Such misinformation damages my credibility. If the three bureaus do not take action, I am prepared to file a case against them.
Product: Debt collection

The item in question was a medical debt that was processed by the debt collection company 's client. Insurance for this medical claim was covered via XXXX and is being corrected by the hospital, but Collection Consultants is refusing to follow California law which states as follows : Welfare and Institution Code, Section 14019.4 ( e ) If a patient provides proof of XXXX eligibility to a debt collector, and the debt collector fails to notify the provider of this proof, the provider shall not be responsible for ensuring that collection efforts against the patient cease pursuant to subdivision ( d ) until either the patient or the debt collector provides the provider with proof of the patient 's XXXX  eligibility. 
( f ) A XXXXXXXX provider or debt collector shall be deemed to be in violation of subdivision ( a ) of Section 1785.25 of the Civil Code if more than 30 days after receiving proof of XXXXXXXX coverage the provider or debt collector does either of the following : ( 1 ) Furnishes information regarding the rendering of the XXXX covered services to a consumer credit reporting agency.

( 2 ) Fails to provide corrections of, or instructions to delete, as appropriate, information regarding XXXX covered services previously furnished by that XXXX provider or debt collector to a consumer reporting agency. 

Also, Collection Consultants has been supplied with a copy of all communications with the hospital, showing XXXX coverage was in effect for this claim. Per our call to Collection Consultants on  X/XX/18, they refused to remove the item despite being supplied with the documentation. 

This item needs to be removed immediately.