23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Simple. This debt came out of nowhere. I owe nothing to any fire department, anywhere. I have never received nor required fire department services. This debt does not corresponds to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection XXXX XXXXXXXX Account Number : XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Employers : XXXX XXXX : XXXX XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Roundpoint mortgage keeps incorrectly force placing flood insurance onto my mortgage. I have already submitted evidence of flood insurance to them several times via email, fax and have contacted them. I have evidence of all of those submissions that date all the way back to XX/XX/2016. My mortgage amount is normally {$940.00} but this month they increased my auto debit without my consent and without any communication to {$1200.00}. I contacted their customer service and it turns out to be an error on their part for never accurately updating their flood records. So unfortunately I am out {$260.00} until they can get this resolved which they told me they wouldnt be able to give me an update on it until XX/XX/2016. This is extremely deceptive practice and its similar to what i experienced with XXXX XXXX XXXX. They have no right to force place that insurance when i adequately and timely submitted evidence and they also violated my reg E for adjusting my ACH without my consent and notification.
Product: Debt collection

A fraudulent medical bill that was opened in my name has been sold to another collection agency after the credit bureaus blocked and deleted this account 24-36 months ago. Phoenix Financial Services is reporting a fraudulent {$550.00} account from identity theft. A police report with the XXXX Police Department has been listed within the id theft report and attached to this complaint against Phoenix Financial Services.
Product: Vehicle loan or lease

Not only do I continue to receive information regarding a loan that I had when I purchased a vehicle last year. The loan was paid in full by my insurance company when hurricane XXXX hit. Also, the gap claim was never paid out to me. Im constantly receiving the run around! Thirdly, I have yet to be contacted regarding monies owed to me in reference to the lawsuit settlement.
Product: Debt collection

Midland credit management repeatedly sends Harassing, Threatening hurtful letters to my home. I do not know nor have I ever done any business with this company but the letters promise to continue harassing me and says that they will continue to come after me for a debt. they are causing me tremendous pain, XXXX  and emotional grief
Product: Bank account or service

On XXXX/XXXX/16 I withdrew {$600.00}. from an ATM like I always do. My receipt said I had {$20000.00}, which was correct. 4 days later when I tried to get money out to pay for car repairs my balance was {$250.00}. I immediately went to bank and reported this. I was told the back would give my money back while they did an investigation. 2 months later still no money. I had my card in my possession on XXXX/XXXX/16 but someone had already been stealing money from ATMs and making purchases using my card number since XXXX/XXXX/16. ( These transactions did not show up on my ATM receipts so I had no knowledge of them ). I have been to First Tennessee Bank at least 20 times and have submitted all the information they requested and have talked to XXXX police and security at the bank dozens of times. I have a {$600.00}. 
limit I can get every day, but First Tennessee let someone get more than that multiple times without my authorization. I have no car, my health and car insurance cancelled, phone cut off, no place to live, and no way to work for 2 months. Last time I talked to XXXX XXXX in the XXXX FTB Security, she told me they ca n't discuss MY account while the investigation is going on. I even gave them the name and persons address who used the card on multiple occasions, and they did nothing. I do n't even have XXXX cents to call them or catch a bus to a nearby branch. They have ruined my life for 2.5 months and do n't seem to care.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 at approximately XXXX I spoke with a representative from XXXX  and advised him that I had inaccurate information reporting on my credit report. There was a XXXX  card that showed closed and reporting late payments. I opened up a dispute and it was completed on XX/XX/2023 showing as updated instead of removed. 

In accordance with the fair credit reporting act XXXX, XXXX, Equifax, XXXX and XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish a account without my written infractions.

15 USC 1666 B states that a creditor may not treat a payment on a credit card account under open end consumer credit plans as late for any purpose.

According to Metro 2 Compliance the above stated account 's does not meet the standard and doesn't follow any of the FCRA and the ECOA
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted I C Systems about an item they have put on my credit report about owing {$940.00}. 

This item by Original Creditor : XXXX ILLINOIS, a utility provider in the state of Illinois placed to collections : I C SYSTEMS is inaccurate because I have never lived in the state of ILLINOIS. 
It first appeared back in 2017 on my credit report under XXXX XXXX  with the same amount {$940.00}. I disputed it with XXXX providing all the necessary documentation substantiating my claim and it was removed. 

Now it has showed up again after 2 years with a different collection agency. It is frustrating that I have to waste my time & energy again to take care of this. Both XXXX & XXXX are not willing to help remove it. 

To substantiate my claim I am attaching the following documents which I had already sent to XXXX & XXXX Addresses listed of all my credit reports, Most recent utility bill as address proof, Original Lease & lease amendment documents for the current residence Upon contacting I C System several times they have not done anything to remove this incorrect information from my credit report.
Product: Credit reporting or other personal consumer reports

There is three hard inquiries on my credit report for XXXX. Its only supposed to be one to others that is fraudulent and I would like them removed so Im making a statement so I can give it to XXXX in order for them to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax company refused to provide me my free credit report even after verifying all my information over the phone. Also, refused to provide me means to submit requested additional documentation online forcing me to ignore the XXXX County stay home order by physically leaving my house to mail documentation. Additionally, XXXX refused to open a checking account because inaccurate information that Equifax has. I was unable to dispute any information with Equifax since I am unable to obtain information from them and I do not know what to dispute. The Eqifax only solution is to resolve the issue via US postal mail which I think could take months preventing me to take care of my basic financial need during this difficult time. 

Because of this issue I am unable to open a checking account in order take care of my basic financial needs.
Product: Mortgage

I paid off my mortgage to Wells Fargo on XX/XX/2016. As of today, XX/XX/2016, I have not received my escrow disbursement in the amount of {$3000.00} plus. We 're in our 3rd week now, and still waiting for our money. 
I have spoken to Wells Fargo twice, but only get the runaround : It 's been disbursed. It 's being reviewed. It was mailed on XXXX ... .around and around. Based on the fact that their CEO XXXX XXXX is in XXXX after being fined XXXX dollars, I feel compelled to complain about what appears to be a culture of corruption. And thank you Senator XXXX XXXX for this site.
Product: Money transfer, virtual currency, or money service

someone sent me a XXXX  for products and/or goods in exchange. the amount was {$1000.00}! i sent this money to the person with the products. the following day they asked me for my email and first and last name on XXXX  because their bank is suspecting fraud so i sent it! 2 days later my digital wallets are all cloSed including XXXX XXXX XXXX XXXX  because they disputed the payment of XXXX!! ive called my bank several times and even had 2 claims that were BOTH closed! i even asked them cam i send the proof that the payment was supposed to be made. i also contacted the merchant XXXX  XXXX and she also refused to send my money back!
Product: Consumer Loan

Applied and was approved for a loan with GM Financial, received a " welcome '' phone which included a few questions from the GM customer service agent. One question, was " will anyone else be driving the vehicle '' I told them his name and then I explained I traveled a bit and my husband would be driving the vehicle about 40 % of the time and I would be the other 60 %. GM customer service agent then asked " why were they not on the loan ''. I stated, never thought about it since this person was my partner and we lived together. Besides my partners credit was n't as good as mine. The agent then asked for my work number to verify my employment, I explained I was driving and would get the information to them with the next few days. When I called to give them the information as requested, I was told my " loan had been sent back to dealer '' ... I asked the agent why, she replied " you will have to call the dealer '' ... So I did just that, the dealer told me that GM Financial stated I was doing a " straw loan '' ... needless to say I was shocked!!! I explained, how could GM accuse me of doing a " straw loan '' when the insurance for the new vehicle was in both our names, along with the checking account from which the payment would be made. I feel or know that GM Financial discriminated against me and my husband, since we were XXXX.
Product: Credit reporting or other personal consumer reports

Gettingunauthorizedhard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of theunauthorizedinquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In according with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights 15 U.S.C 1681 section 602 A States I have the rights to privacy 15 U.S.C 1681 Section 2 It Also states a consumer reporting agency can not furnish a account without my Writen instructions During the pandemic I lost my job and had to give up the vehicle because I could not continue paying the fees.

and this information is negatively affecting my credit history.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 XXXXXX/XX/year>
Product: Credit card or prepaid card

I had a ststement of {$1800.00}, serving billing period XXXX XXXX, payment due date XX/XX/XXXX, from my credit card ending XXXX Visa of Wells Fargo XXXX 
I schedule to my bank XXXX XXXX  to make a payment on XX/XX/XXXX ; I checked the payment done by XXXX XXXX  and I read the statement done to Wells Fargo on the date scheduled, XX/XX/XXXX. 
Suprisingly, on XX/XX/XXXX, i received an email from Wells Fargo saying thet my statement mentionned above is due. 
I respond back that my payment transaction shows on my account with XXXX XXXX that was done on XX/XX/XXXX. After that I called XXXX XXXX to confirm that my payment was done as shown on my account, they said yes was done, maybe Wells Fargo did not clear the payment. 
I called Wells Fargo, I told them that my payment was done by my bank, they said they did not receive any check, to wait until Friday XX/XX/XXXX to receive the payment check. 
On XX/XX/XXXX I received the next statement, where I noticed I was charged with a late fee {$25.00} and a charge named total interest {$40.00}. Considering my payment done on time, XX/XX/XXXX, show my wright attitude as a customer, the late fee and other penalty charge is for people not willing to pay, or showing a consistent intention to pay late, I alloways pay full and on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to request that Capital One Auto finance send me where I gave consent to them in writing or opted in for them to share my information with any non-affiliated third parties per their privacy policy. The Graham Leach Bailey act states that non-public information may not be shared by financial institutions without the consumer opting in, it also states that the consumer must be given the opportunity to opt out and given instructions on how to opt out. I was not given that opportunity and this is a violation of my rights. I demand this account not be shared with non-affiliated third parties unless Capital One Auto Finance provide me with the proof that i agreed in writing to opt into this reporting.
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and do not belong to me. 

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 XXXX XXXX XXXX XXXX - XX/XX/year>, XXXX XXXX - XX/XX/year>
Product: Money transfers

I recently made a purchase on PayPal. The purchase was charged to a PayPal credit account which I do not recall having ever established. Generally my PayPal purchases are funded through a linked bank account. When I called to complain, I was told that I could close the account but was not allowed to pre-pay the charge ( I have to wait a number of days until the payment goes through ). In other words, I have to call back/log-in again to make a payment against this charge. This is despite the fact that on my PayPal account, it does show that my credit limit is decreased as a result of my purchase -- so they are able to show that I have spent the money but they do not allow me to pay it! I was also told that charging to the PayPal credit account was set as my account default, although I would never have set this default since I did not even know I had the account! Despite the call-center representative saying that my account has been open since 2014, there are no statements available on the website and this is the first time I have ever had a charge go to this account. After the call, I did an internet search and it appears that there was a class-action lawsuit against PayPal regarding the establishment of PayPal credit accounts without a person 's consent. I would like to know whether I have any rights or standing under that lawsuit or whether there is any other way to file a formal complaint against PayPal for this deceptive practice. I am also concerned because I noted to both the initial customer service representative and her manager that I believed this was at a minimum poor business practice and more likely, ripe for a class-action lawsuit, and neither of them acknowledged the prior class-action lawsuit related to PayPal credit. Clearly PayPal has not done all it should have to rectify the issues it created when setting up PayPal Credit accounts for people without their desire/consent as related to the existing class-action suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the Credit Bureaus regarding false and fraudulent non authorized inquiries on my credit report to be removed. I sent them mail and they said they did received the mail but did not need to respond because i needed a letter from you all to prove that it was fraud and they will remove them. I sent the letter in XXXX and they said they received it XX/XX/XXXX. 
!. XXXX XXXX XX/XX/XXXX Was not authorized by myself. XXXX XXXX XXXX XXXXXXXX  XXXX  Ohio XXXX 2 & 3. XXXX  XXXX Inquiry XXXX XXXX  XXXX XXXX, VA XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 4. XXXX XXXX  XXXX  inquiry requested on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, de  XXXX None of these inquiries were made by me and Transunion, and XXXX are saying that i need to file a report with you all to prove that it was not from me.
Product: Credit card

On XX/XX/year>, the mobile game " XXXX XXXX XXXX XXXX '' had a promotion for a XXXX free trial, and then after that be charged {$9.00}. I accepted the free trial but was immediately hit with a fraudulent charge I never agreed to. My credit card, Apple Card, has refused to accept the mountain of evidence against these charges and is refusing to refund my stolen money. Over XXXX people online have complained about this exact fraudulent charge, and Apple does nothing. I have spent hours with representatives trying to get back money Apple has stolen from me, at this point I think it's best if the CFPB steps in. I would honestly love it if you guys penalized them monetarily or something, it's incredible to me that a company can simply steal money like this without any repercussions. In addition, when I reached out to Apple Card regarding the dispute, I'm told they refused to do so on in-app purchases. Lovely!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX Balance Owed XXXX {$230.00} XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX AND XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX  XXXX Balance Owed : {$2100.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance Owed : {$2500.00} XXXX XXXXXXXX Balance XXXX : {$18000.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX FIN XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 card or prepaid card

Wells Fargo closed my credit card acct even though payment was satisfied for that month in cash payment inside branch. 

Wells Fargo had initially responded I didn't. 

Wells Fargo has gone over the limit on days to respond to my request and has already REPORTED the negative status to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One -reported late payments during XXXX XXXX - Late payment
Product: Mortgage

Per the agreement reached between GreenTree Servicing and me, the escrow account was to be removed from my account once the escrow balance was brought to a {$0.00} balance. As of XXXX XXXX, 2015, the escrow should have been a {$0.00} balance as I made a payment of {$130.00} to the escrow account and {$400.00} to my principal/interest ( my normal mortgage payment pre-escrow ). I included a signed letter with the payment breakdown and requesting a phone call if there were any issues. I followed up with a phone call to ensure that my instructions were followed through. This was not the case. This is an arrangement that was entered into after my last complaint against GreenTree Servicing. My account has since been transferred to Ditech Servicing due to a merger.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inquiries that dont belong to me. I call and sent proof for them to delete and remove.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed account on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 

XXXX XXXX XXXX  XXXX XXXX