23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called Consumer Collection reguarding a letter I received to settle a debt on XX/XX/22. I spoke with someoneXXXXXXXX ( I think ) she explained to me that I have 3 accounts. I setup to pay the {$19.00} account on XX/XX/22 which I paid and stated I would pay {$270.00} on XX/XX/22. I asked for a settlement for the third account of {$450.00} and was informed that I would receive a call back with an update on if it was approved. I called back on XX/XX/22 and spoke to XXXX XXXX to inquire about settlement offer and that I was expecting to receive a phone call. I was informed that this agency doesn't call customers back and that she does see the previous note but not an update on if the offer was approved or not. I asked to settlement the third account again and was informed she will send the request in. I asked when I should call back and was informed on XX/XX/22. I received a call from a woman by the name of XXXX who states she was calling regarding my settlement offer and that it was approved for {$310.00} and that I had to pay it by the end of this month in order to get the offer and not have the account be put on my credit report. I stated I was not told this and she states all calls are recorded. I again state I was not told that I had to pay this by the end of the month and I hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to TransUnion, XXXX and XXXX. I did not get a response. I disputed this account on XX/XX/XXXX and still did not get a response. I submitted another dispute letter on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I still haven't received a response. I also asked for this account to be reinvestigated within 30 days. I still haven't received a response. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX XXXX XXXX ) from my credit report immediately and permanently. This account has not been resolved in over 90 days from my very first dispute.
Product: Credit reporting or other personal consumer reports

I have about 10-11 hard inquires on my credit report from someone in Texas using my information to try and buy a car. They are using my information as a co-applicant on the loans which have been denied. I need to get these off my credit report and let it be known that someone has my information in Texas. I live in North Carolina. 

XXXX XXXX XX/XX/24 XXXX XXXX XXXX XX/XX/24 Carmax Auto Finance XX/XX/24 XXXX XXXX XX/XX/24 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX broke several of laws reporting a collection on my credit report did not notify me before reporting., violated my Hippo rights and there things they should not know about my medical records..I didnt give written permission to put anything on my credit report and demand removal I have a call log of all the calls I tried to reach out to this company to talk to a supervisor I ask 9 times I havent got a call back and they hung up on me I left several messages no return calls this is my credit report my life there has damage Finacial I just close on a house and this cause me to pay XXXX more because this collection that was done with improper protocol.. collection debt is {$3900.00} XXXX XXXX XXXX
Product: Debt collection

I received an alert last week on my XXXX, XXXX, and XXXX credit report that a collection was added on XXXX XXXX, 2017. The company is called Midwest Recovery Systems and the amount is XXXX. I have never heard of this company and have not received any notices in the mail pertaining to this debt. I was not given the option to dispute the validity of this debt before it was placed on my credit report. I demand this account be removed immediately from my credit report. At least let me have the opportunity to dispute this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX
Product: Debt collection

On XX/XX/XXXX COMMONWEALTH FINANCIAL SYSTEMS mailed me a letter violating HIPPA and trying to collect a medical debt. On XX/XX/XXXX COMMONWEALTH FINANCIAL SYSTEMS received a certified letter from me asking to validate the medical debt they claim that I owe. The first letter I received from them had diagnosis, doctor 's names, procedures, charges and codes in the letter which violates my HIPPA rights. I have also attached the only letter they have sent to me before my certified letter to them. They have not validated anything with me after I asked for them to validate the debt and it has passed the 30 day mark. COMMONWEALTH FINANCIAL SYSTEMS are still reporting this debt on my credit reports. I also mailed them a cease and desist letter on XX/XX/XXXX due to the numerous phone calls throughout the day. I also contacted XXXX, XXXX  AND XXXX  and asked them to delete COMMONWEALTH FINANCIAL SYSTEMS from my report as well.
Product: Debt collection

CALLED XXXX XXXX AT XXXX AND LEFT THREATENING VOICEMAIL. SHE IDENTIFIED HERSELF AS COURT ORDERED OFFICER NAMED XXXX XXXX, SHE DID NOT IDENTIFY WHO THE CREDITOR WAS OR EVEN THAT IT WAS A CREDITOR JUST THAT CRIMINAL CHARGES HAD BEEN TAKEN ON ME, THAT IT WAS GOING TO BE MATTER OF PUBLIC RECORD AND THAT ALL MY LEGAL RIGHTS WERE FORFEITED. 
SHE THEN FINISHED THE VOICEMAIL WITH STATING THAT SHE WAS CONTACTING MY EMPLOYER AND WOULD BE THERE SOON TO COME AND GET ME AND NO MATTER WHAT I WOULD BE LOCATED AND IT WOULD BE AT MY JOB. 
I TRIED CALLING HER NUMBER BACK SEVERAL TIMES WITH NO ANSWER AND NO VOICEMAIL AVAILABILITY. 
I TRIED CALLING THE NUMBER SHE GAVE ME SEVERAL TIMES AND IT WENT TO A VOICEMAIL THAT WAS TOO FULL AND THEN SAID ERROR, SO NO WAY FOR ME TO LEAVE A MESSAGE. 
I CALLED THE COUNTY SHE SAID THAT THE ORDER HAD BEEN FILED AND ORDERED IN AND TALKED TO BOTH THE DISTRICT AND MUNICIPAL COURTS AND THEY BOTH HAD NEVER HEARD OF HER, COULDNT FIND A CASE WITH MY NAME ON IT, AND ALSO SAID THAT THE CASE NUMBER SHE GAVE ME WASNT EVEN IN THE CORRECT ALPHA-NUMERIC SEQUENCE FOR A CASE THROUGH THEIR COURT. 
SHE CALLED BACK ON XXXX XXXX AT XXXX XXXX AND I WAS ABLE TO ANSWER. SHE AGAIN DID NOT IDENTIFY WHO MY ACCUSER WAS ( EVEN THOUGH I TOLD HER I HAD CALLED THE NUMBER SHE HAD PROVIDED SEVERAL TIMES AND WAS N'T EVEN ABLE TO LEAVE A MESSAGE ), JUST THAT SHE HAD A COURT ORDER TO PICK ME UP. 
I CONFRONTED HER WITH THE INFORMATION THAT I HAD OBTAINED FROM THE COUNTY COURTS AND SHE RESPONDED, " THAT VERY WELL MAY BE, BUT YOU STILL HAVE 3 CRIMINAL CHARGES AGAINST YOU AND SHE HAD AN ORDER TO LOCATE ME AND WAS GOING TO COME AND GET ME IMMEDIATELY FROM THE ADDRESS ON FILE. " AND BEFORE I COULD SAY ANYTHING ELSE SHE HUNG UP.

THE NEXT DAY, I CALLED THE NUMBER SHE PROVIDED AGAIN AND THEY FINALLY ANSWERED AND IT WAS A REPRESENTATIVE FORM ADVANCE AMERICA. 
I HAVE HER ORIGINAL VOICEMAIL MESSAGE TO ME SAVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX ( XXXX ) and account # XXXX XXXX XXXX ) has violated my rights 15 U.S.C. 1681 Sec. 602A states I have the right to privacy.

15 U.S.C. 1681 Sec 602A Section 2 it also states a consumer reporting agency can not furnish am account without my written instructions.
Product: Checking or savings account

I am filing a complaint due to Capital One 's failure to deposit my direct deposit from my employer and as of right now, any and all incoming deposits. It has not given me timely access to my funds. Please investigate this matter to ensure I am protected as a consumer.
Product: Mortgage

I AM REQUESTING ALL DOCUMENTATION FROM EMC MORTGAGE FOR THE YEARXX/XX/XXXX FOR PROPERTY ADDRESS XXXX XXXX XXXX XXXX XXXX GA XXXX THIS IS A FRAUD LOAN WHICH WAS TAKEN OUT PRIOR WHICH MEANS THE HOME HAD A CLOUD ON THE TITLE. WE WERE UNDER THE IMPRESSION WE HAD TAKEN OUT A LOAD WITH XXXX XXXX HOWEVER, THIS WAS NOT THE CASE THIS IS NOT A DUPLICATE MORTGAGE
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date [ XX/XX/year> OF FIRST CHARGE-OFF STATUS ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : TransUnion : [ XXXX XXXX XXXX ] [ XXXX ] Subject : Dispute Regarding Response on My Account and Immediate Deletion Request To whom it may concern : I am writing to express my disagreement with your response regarding my account, which continues to contain inaccuracies. Additionally, you have now altered the date the account was closed and have been marking the charge off status month by month, which is illegal according to the law. I am therefore requesting the immediate deletion of this account, as you are legally required to provide an accurate and error-free verification, and this account contains numerous inaccuracies. 

I ask that you resolve this matter appropriately and in accordance with the law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested to Opt-Out of the accounts listed below per per 15 USC 6802b , 16 CFR 313.7a, 12 CFR 1016.7a ( 1 ) ( 2 ) and no one has responded to my request. This is a direct violation of this law. 

XXXX XXXX XXXX acct # XXXXXXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/XXXX, I contacted Discover because there were two charges from a company called XXXX XXXX XXXX totaling approximately {$8000.00}. The first purchase ( approximately {$6600.00} ) was made around XX/XX/XXXX, and the second ( roughly {$1500.00} ) was made the first week of XXXX. When I saw the charges, I immediately contacted Discover and filed a fraud dispute. I filed a police report as instructed and sent all the required documents. I also attempted several times to contact the merchant. I called more than ten times. I also sent emails. The company has yet to respond to or respond to my emails. Finally, I was informed in XX/XX/XXXX to file a billing dispute. So I did. Around this time, Discover provided temporary credit over three times and reversed it. It has been over eight months since the initial fraud filing, and Discover has provided me with no assistance. Recently, Discover reversed the credit they provided, and I am still waiting for a clear answer. I was informed in XX/XX/XXXX the last credit I received would probably be finalized because the merchant had yet to respond or provide proof of delivery. I do not understand or know what happened between XXXX when I was informed the temporary credit would likely be final and XXXX of XXXX. This has been eight months of emotional hell. I feel scammed by whoever used my credit card and by Discover. Discover has not protected me financially and mentally. I spoke with XXXX on Saturday, XX/XX/XXXX, from XXXX at Discover, and even she saw inconsistency in the investigation and noted it. All of this has exacerbated my health issue..
Product: Credit reporting or other personal consumer reports

I obtained my credit report in XX/XX/year> and was shocked to see an account from XXXX XXXX XXXXXXXX XXXX about a balance of {$4900.00}. I do not owe them and they never responded to my multiple requests. I had a vehicle with them and that vehicle was fully paid off after a XXXX XXXX There was a zero balance when that account was closed.
Product: Credit reporting or other personal consumer reports

These inquires have been added to my credit report without my authorization Citizens one auto Fi- XX/XX/XXXX   I disputed them and they remained on my credit card
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>
Product: Checking or savings account

Letters to XXXX XXXX dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. After calling the company who could find no record of my account but stated they had a fire 15 years earlier in their records storage building. Second call with my brother XXXX XXXX with no satisfaction I wrote to the XXXX, XXXX XXXX. 2nd letter brought a response, also not satisfactory. 
Letter in response from XXXX XXXX XXXX/XXXX/XXXX,
Product: Checking or savings account

I filed a claim of fraudulent activity. Chase reimbursed me. And then took away the credit and now my account is negative {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a washing machine and the matching clothes dryer from Home Depot. 

My granddaughter gave me her un used washer and dryer instead. I called the home Depot store tge next day and explained to the customer service agent that I needed to cancel my order. 

She cancelled the order immediately. However when my bill arrived, I was charged for the washer and dryer. I went back to the home Depot store and explained to the customer service attendant that I cancelled the order before it shipped out. 

The agent told me not to worry and she took care of it right away and that I should disregard the billing amount. 

I received another bill the following month with a XXXX fee. I called customer service again to inquire about the mysterious charge. 

The customer service agent told me that the XXXX dollars fee is an investigation fee that the company charge in order to investigate the cancelled order. 

I am a senior and I feel that I am being scammed and treated very unfairly. I never received the order and I should not have to pay for the company to investigate a product that I cancelled prior to the items being shipped.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to adequately investigate my claims. They informed me that recovering lost funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving XXXX users vulnerable to scam. This is unacceptable
Product: Credit card or prepaid card

I received offers by email for " 0 % APR for 7 months ; 0 % promotional APR on all your new purchases including online purchases, made between XX/XX/2021 and XX/XX/2021 with your Wyndham Rewards Visa Card. Use your card and save on everythingfrom everyday purchases to big ticket items. '' However, after making purchases during this time period the company is saying it wasn't 0 % by transaction and that even if I bought something on XX/XX/XXXX to avoid interest I would have to pay the purchase in full by XX/XX/XXXX to avoid interest. I asked how does this correlate with 7 months of no interest as the promotion stated. I made the purchases during the promotion period with the understanding that I would have 7 months of no interest on the purchases and on all purchases not just the ones made in XXXX. This is extremely misleading since the offer, as they have now explained, really just meant only purchases made in XXXX would get the 7 months of the 0 % promotional APR. I had even called on 2 occasions before expecting this offer before the deadline to accept it in XX/XX/2021 and the offer was not explained in the manner they are now saying it was to work. This offer was very poorly written based on the way they are now enforcing it.
Product: Credit reporting or other personal consumer reports

The personal information on my credit report is incorrect. I have included my documents so you can update it. Please correct and update my personal information as soon as possible.
Product: Checking or savings account

Check # XXXX was made out to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) to pay rent at XXXX XXXX, a Congregate/Level II SRO program. Resulted in a negative balance of XXXX. An insufficient fund fee of XXXX was applied to my account on XX/XX/2017. I lost my XXXX and federal tax refunds ( XXXX issued on XX/XX/2017 and XXXX issued a week later ). An extended overdraft fee of XXXX was applied to my account on XX/XX/2017, being my balance to XXXX. The bank violated a federal rule that states that if my direct deposit to my checking account comes from the Social Security Administration ( My SSI benefit payments are direct-deposited into my checking account monthly ), that no institution other than the federal government can take any funds out of the checking account to recover a debt. Also, I never sign up for overdraft payments ... meaning that if my account doesn't have enough money to pay for purchase or pay a bill, the bank will cover it but customer must pay back the money within a short amount of time. So much money was taken away from me in fees, which I want reimbursed back to me asap.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to pay for a deletion of this debt from my credit report. The company accepted my money and only removed this debt from one of my credit reports and not the other two. 

This isn't right and its not fair.
Product: Mortgage

I am applying for a new mortgage. This is a property that was put under contract as a lease purchase 5 years ago, when the market was not as good. It has come to the end of the lease purchase and I must now complete the purchase. The value of the home has increased over the past 5 years. AIMLOAN had one of their approved appraiser put a value on the house. The loan to value ratio is 45 %. I am only borrowing 45 % of the current value of the loan but AIMLOAN is requiring that I pay Private Mortgage Insurance. Even though I advised the this was not legal and would n't even cover them, because it only covers the first 20 % of the value of the the home, they did n't care and are refusing to close on the loan if I do not purchase the Private Mortgage Insurance.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

inquiry from XXXX XXXX XXXX XX/XX/XXXX I dont recognize this lender and they have been ruining my credit years inquiry from XXXX XXXX XXXX XXXX  I don't recognize this lender and they have been ruining my credit for years inquiry from XXXX XXXX XX/XX/XXXX I don't recognize this lender and they it says item have been charged off and I haven't received any artifact from lender XXXX XXXX XXXX issue with them have been resolved years ago but they keep selling my information to vendors to reach out to me and solicit and I don't appreciate that. 

XXXX XXXXXXXX XXXX XXXX XXXX  I don't recognize this lender and they it says item have been charged off and I haven't received any artifact from XXXX XXXX XXXX XXXX  XXXX XXXX I don't recognize this lender and they it says item have been charged off and I haven't received any artifact from lender By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to this company about my hardship due to Cov-19 that I had and they told me for my XXXX and XXXX payment I could do a deferment with them and if I need them to another because of the pandemic contact them back so I did do one for XXXX also. This was not suppose to effect me negative in any way. Now I am showing all late pays for XX/XX/2020 and XX/XX/2020 and now XX/XX/2020. They stated this should not hurt my credit now it has.
Product: Credit reporting, credit repair services, or other personal consumer reports

Franklin collection is reporting collection multiple times days away from each other as if its a new collection.I requested to have this debt validated as I advised them and the credit bureaus that this is not my account and have never had this account.