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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove any item listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX Balance - ; XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX  XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXXBalance {$750.00} ; XXXX & XXXX XXXX ( Original creditor XXXX XXXX XXXX ) XXXX Balance {$2300.00} ; XXXX, XXXX XXXX Balance {$0.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX, XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquiry : XXXX XXXX, 2021 ; XXXX XXXX XXXX : XXXX XXXX, 2021 ; XXXX XXXX XXXX Inquiry : XXXX. XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, 2021 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

For several years I have received notices from XXXX XXXX XXXX. According to the notices the debt is for Fifth Third Bank. Although I admittedly owed Fifth Third nearly 14 years ago that debt has been paid. Not only was the debt paid immediately but I was also subjected to a state operated " bad check '' program which required me to pay for a course for unknowingly spending beyond my limit. In total I have paid more than {$250.00} for a less than {$50.00} overdraft when I was XXXX and I am still being harassed. I have explained this information to XXXX in the past but they continue to harass me. I have done research and apparently this company uses tactics to scam unknowing consumers out of money. It 's disgusting that our personal information has somehow fallen into the hands of this fraudulent company.
Product: Credit card

XX/XX/2023 a purchase of XXXX but run incorrectly. The vet office called Care Credit to explain she ran it as a regular purchase, but it should have been a promo purchase. 
In XXXX and XXXX I made mulitple calls to Care Credit 's customer service to correct this charge. On XX/XX/XXXX I escalated to a manager ( XXXX ) who promised to get it fixed. On XX/XX/XXXX Care Credit added the promo purchase but never removed the regular purchase. The next week I saw this and called a Care Credit manager again ( XXXX XXXX and explained. Then again I called another Care Credit manager on XX/XX/XXXX ( XXXX ) and again on XX/XX/XXXX I called another Care credit manager ( XXXX ). I also filed XXXX disputes in their portal. Today, XX/XX/XXXX I spoke with XXXX with the care credit specialist team who said the same thing everyone before his said- the charge needs to be removed but they can't do it, only the " back office '' can and put in a request. 
The back office is not removing the regular charge and no one knows why.
Product: Checking or savings account

I went to a Chase ATM that wasn't working. I went to the next Chase ATM & my card was declined twice. I called customer service told him what was going on & was transferred to fraud department. While holding XXXX minutes I went to XXXX XXXX ATM & pulled cash. When I spoke to lady I said I'd like to be refunded ATM fee. She was very rude & told me to take it up with XXXX XXXX it's their fee. I responded if your ATMs worked I wouldn't have to go there. She accused me off yelling at her said she was going to put me on a brief hold to calm down & hung up on me. I called back got transferred to fraud department & asked for a supervisor. I held a very long time. While she was on the phone my card decided at a drive through. She told me there's nothing wrong with my account or card the ATM probably has dirt in it etc & that after 1st lady in fraud department hung up on me she intentionally & maliciously put a block on my card. In my opinion that is fraud. She has access to my personal information & account & thinks she's God on a power trip. I don't trust that she won't do this again. I spent an hour on these calls & plan to switch banks after XXXX years with this account.
Product: Credit reporting or other personal consumer reports

I have consistently informed you about inaccuracies in my credit report, which persist in violation of XXXX standards. Despite previous notifications, these errors persist, adversely affecting my credit profile. I demand prompt corrective measures to rectify these inaccuracies to avoid further harm and adhere to the Fair Credit Reporting Act ( FCRA ). Failure to promptly address this matter may lead to legal action, including arbitration. Your immediate attention to this issue is crucial.
Product: Mortgage

In XX/XX/XXXX I got a Heloc from XXXX XXXX for {$500000.00} It was a 20 year loan with 5 years interest only. I was still billed at 3.5 fixed every month after the 5 year interest only period. I paid a little extra every month. Every statement said 3.5 fixed. It is now XX/XX/XXXX and they want to bill me {$41000.00} for past due principle and interest. At no time did my monthly statements reflect a rate that was variable to XXXX XXXX Had I ever been notified in the past 3 years that my interest rate was going to increase 5 %, to 8.25. I could have shopped for a new loan at a competitive rate. The bank is now called City National Bank. 
My loan # XXXX Interest through XX/XX/XXXX {$18000.00} One days interest {$99.00} Late charges {$250.00} Past due principle {$20000.00} I just received a second notice demanding {$41000.00} My loan shows a principle balance of {$430000.00} In XXXX of XXXX I was notified of a retroactive increase of interest for over a year in the past. 
For over 7 years every statement I received shows 3.5 %. 
The bank is now demanding 8.25 % and {$41000.00} to cover previous principle and interest. 
As a consumer, had I been billed properly, I could have governed myself accordingly and shopped for a better rate. Every statement shows 3.5. I have every statement. The bank is demanding money they did not bill me for. 
The original note did dictate a variable interest rate, but it never was billed. 
Every statement up until XX/XX/XXXX said 3.5 fixed.

As interest rates increased, had I been notified, I could have refinanced. 
This is the fault of the bank. 
The bank billed at 3.5 % The solution would be to maintain the loan at 3.5 and retract the demand of almost {$42000.00} I followed my statements and paid what I was billed and more every month.
Product: Student loan

Navient really do n't care about the borrowers at all. Sometimes I when I already made a payment online they would still call me about it which is extremely annoying. What 's worst is they would harass my co-signer and family about my loan which obviously violates the laws as they are not allowed to that to begin with. My loans is never consistent as well since it went from paying {$320.00} in 2013 to {$520.00} today. It just kept on increasing as the year goes by. Because of the way the separated my loans into individually ones, it looks worse than it should be and if you have a missed payment, forget it, it will report on each one. Is horrible that they do n't just combined them into one since you are making one payment that gets divided into the other loans anyway. Because of this, my credit report is damaged. I asked if I could have some late payments removed from my report but they never responded me. However, it get reported to the credit bureaus instead that I was disputing them. So obviously nothing came out if it. Lastly, at one point I got into car accident around XXXX 2013 and had to take medical leave because of my injuries. However, when I explained my situation to Navient, they reported me late anyway on my credit report and when I ask to defer my payments while I try getting back on my feet, they said that they would have to charge me a fee in order for me to do that, which was around {$200.00} which is completely unreasonable.
Product: Debt collection

This is a follow up complaint to XXXX-XXXX, in which 1 ) XXXX, working on behalf of XXXX XXXX Hospital, claims I never revoked TCPA consent and 2 ) Focus Recovery Solutions, collecting on behalf of XXXX XXXX Hospital contacting me illegally with an auto-dialer. I am writing to share additional information and to contradict inaccurate statements in the company responses. 

I have a recording of my conversation with XXXX on XX/XX/18 where I unequivocally revoked TCPA consent. Here is a transcript : Agent - " Do you give us permission to contact you on your cell phone using the automated dialing system or pre-recorded voice for future inquiries? '' Me - " No. '' Agent - " OK. '' This TCPA revocation was reasonable and valid, yet was not documented across my accounts with XXXX which, at the time, were accounts ending in XXXX and XXXX. The representative did not ask if my revocation was subject to one account or the other, yet a future representative notified me on XX/XX/XXXX that I had to call in separately for each account. My inclination, which I fully intend to prove through discovery, is that XXXX was managing and collecting on both accounts, but XXXX XXXX Hospital spelled my name incorrectly on one. That is the reason why they did not notate the account. 

When account XXXX was recalled from their office by XXXX XXXX Hospital and placed with Focus Recovery Solutions, XXXX 's failure to honor my revocation resulted in me being contacted illegally by Focus Recovery Solutions via autodialer on XX/XX/2018.
Product: Debt collection

XXXX charged me for a policy I did not bind. I did not use them for insurance I went with another carrier.
Product: Checking or savings account

Made {$560.00} bill payment around XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX scheduled for XX/XX/XXXX delivery using Ally Bank mobile app. However, Ally mobile app did not disclose that {$9.00} fee would be charged for delivery on XX/XX/XXXX. Have attached a video of user flow taken on XX/XX/XXXX around XXXXXXXX XXXX XXXXXXXX time where {$9.00} fee is disclosed for XX/XX/XXXX payment delivery but not XX/XX/XXXX delivery. If XX/XX/XXXX delivery is selected, no fee is mentioned. I only found out about that fee after payment was made. If I was aware of fee, I would never have made payment. Messaged company to refund fee and stop payment immediately but they said payment was in process and they were unable to do so.
Product: Credit reporting or other personal consumer reports

An investigation by the credit bureaus showed that the XXXX XXXX XXXX XXXX XXXX account XXXX belongs to me, although I indicated that the billing address indicated in this account is an address that was made fraudulently, attaching a FTC report to these investigations, but the credit bureaus considered that this account belongs to me with which I strongly disagree with.
Product: Mortgage

Back in XX/XX/XXXX I lost my job and started applying for a HAMP modification with Wells Fargo. After months and months of supplying them with documentation I was told that I was not approved for a modification. As of recently I had seen that people were complaining about their applications being denied when they should have been approved and decided to research my HAMP application again from XX/XX/XXXX. Wells Fargo again told me I was denied a modification and that XXXX XXXX had denied me. Since I was not getting any answers working with Wells Fargo I decided to follow up with XXXX XXXX to find out why my modification was denied. Much to my surprise I was told that my applicatoin was actually approved for a modification to 4.625 % XX/XX/XXXX for 40 years and my new payment would have been {$1100.00} a month. They cancelled this modification base on an email from Wells Fargo XX/XX/XXXX instructing them to cancel this. When I brought this to the attention of Wells Fargo they stated that they did not tell me abou the modification because I was making my payments and therefore I could afford my mortgage so I was not entitled to a modification. My belief is that this goes against all principles of HAMP. Was n't the program put in place to make the mortgage payments more affordable? Why did Wells Fargo have the authority so hide my approval for a modification from me when this would have helped me out financailly. I was forced to refinance on my own and it cost me a great deal of money which I would not have had to spend if Wells Fargo informed me I was actually approved by XXXX XXXX for a modification. Also, if XXXX XXXX owns my mortgage and is the enforcer for Hamp how does Wells Fargo have the right to just decide to override what they say and not communicate with me their findings. In speaking with XXXX XXXX 's escalation team the also sent a complaint to Wells Fargo but Wells Fargo only states that I was making payments so they did not offer me the modification. How many others has Wells Fargo possibly affected by not disclosing to the customers that they were acatually approved for a modification. Wells Fargo continued to hide this from me even when I asked for reviews of my file. If they felt like they were justified in not offering me the modifcation why did they never communicate to me that I was approved by XXXX XXXX? Why did I have to dig this information up on my own. I truly feel like they know they did something wrong by not following the guidance of XXXX XXXX and offering me the modification but they do not want to adm it it.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I had a test done onXX/XX/XXXX at XXXX XXXX XXXX, XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX. Phone # XXXX. On Saturday, XX/XX/XXXX I received a bill from Professional Finance Company , Inc. at XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Co. XXXX for {$250.00}. I called this debt collector today because I was not sure what this bill was about, since I never received a bill for this amount {$250.00} from anyone including XXXX XXXX XXXX. The bill collector advised me the bill was sent to a old address twice and did not hear back so it was now turned over to them for collection. I provided my correct address to XXXX XXXX XXXX on XX/XX/XXXX, before I had the procedure. I called XXXX XXXX XXXX today about this bill since I never received noticed. They said the apparently they forgot to update my address in the system so that's why I never got a bill. I have insurance and I assumed everything was paid for since I hever received a bill. They also advised me they called me on XX/XX/XXXX. I never received the call so this whole incident is what I am complaining about. Not a good way to do business.
Product: Debt collection

I have been receiving calls from a company called Nickel City Group LLC requesting that I call them back regarding a debt that I paid with them. I was suspicious that I had already paid this debt but they had an account number, the name of the company, and the amount owed which all sounded legitimate. I thought I had paid off this debt a long time ago but when I checked my credit report it didn't verify that. Therefore, I paid the Nickel City Group LLC {$320.00}. This transaction was processed as XXXX XXXX XXXX XXXX / XXXX XXXX NY POINT OF SALE DEBIT. Since, they have just called me again and I called them back and they hung up on me after giving me the wrong last 4 of my social. I think this company is some how gaining access to people 's past debt and preying on them to " pay it off '' again. XXXX XXXX was the lady I talked to and she got very offended when I accused her of fraud. When I called back today it sounded like the same person with a different name.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXXXXXX. Account # : XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX. Account # : XXXX Please remove the following Fraudulent hard inquiries from my credit report. 

XXXX - XX/XX/year> Applicable Legal Basis for Dispute 1. Verification Requirement ( 15 U.S.C. 1681i ) : - The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted.

2. Obligation of Accuracy ( 15 U.S.C. 1681e ( b ) ) : - Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement.

3. Re-Aging of Debt ( 15 U.S.C. 1681c ) : - The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off may appear on my credit report longer than the allowed 7 years.

4. Validation of Debt ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ) : - Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

I have received phone calls from a person who would not identify themselves saying they were with a company called Trans World Systems. All they would disclose was that this was about a personal business matter. I asked them three times what it was in reference to and they said they would disclose that later on. I responded if you do not disclose what this is about then I will hang up, they would not so I hung up. The phone calls came on XXXX/XXXX/2015 at XXXX two days after I had XXXX which impeded my recovery. The other call came on XXXX/XXXX/2015 at XXXX. This company has an address of XXXX XXXX XXXX in XXXX, TX XXXX. The number that they call from is XXXX is not even a registered number. The XXXX that is given to them XXXX is registered to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. The other number XXXX is actually registered to the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out NUMEROUS letters to the Following Credit Bureaus. Transunion, XXXX XXXX XXXX, ALL DATES OF MAILING ARE ON THE LETTERS. After waiting months upon months, I have not heard from nor gotten ANY RESPONSE, in ANY FORM. I have sent letters I have called and have waited MANY MONTHS. I need ALL INACCURATE information removed from my credit report. They have failed in every way possible of servicing me as a consumer and I am losing all faith in the credit reporting process. I will be reaching out to a consumer protection agency very soon and plan on taking these agencies to court if my investigations are not completed! I want all of my accounts that have FRAUD RELATED PAYMENT HISTORY, UPDATED AND REVERSE TO ON TIME OR PAID AS AGREED & I ALSO WANT THESE FRAUD COLLECTIONS ON MY CREDIT REPORT REMOVED IMMEDIATELY! I was never notified about these accounts nor have the accounts been updated to currently in dispute. I have someone else 's information reporting on my file and nothing has been done to ensure my report is 100 % accurate or factual which is against the law! This is unconstitutional and a Grave violation of my consumer rights! I am a natural person and know my rights my attached letters will prove these claims! 

Transunion : XX/XX/2023 XXXX : XX/XX/2023 XXXX : XX/XX/2023