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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX Acct # XXXX, has violated my rights. XXXX XXXXXXXX XXXX XXXX # XXXX, has violated my rights. XXXX XXXX XXXX Acct # XXXX, has violated my rights. 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have repeatedly disputed several incorrect items in my credit. My score dropped over XXXX points. I had one item removed that was a credit card but my score never recovered
Product: Credit reporting

Documents supplied according to the Creditor ( I never agreed to any service or product ) - show agreement of debt but the documents are not any agreement but a receipt of my own personal belongings that were returned to me. Please see the complaint mentioned above- BCFP suggested that I dispute this negative report to the collection agencies through you since I have already disputed it with the original " creditor '' without results vs the debt collection agency complaint that I had already filed. 
Please reference previous complaint # Per Complaint # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I request a credit freeze/block/pin for XXXX, Experian, XXXX  and XXXX XXXX
Product: Debt collection

Payment had just come due and i spoke to a representative told her my situation that i had lost my job and had no income, insisted that i give her my bank information told her it was no use no i had no funds.she was hesitant for me to give her a date of payment. I told her as soon as i got a job would pay.kept telling me she needed a payment.i myself closed the discussion and told her would call them back.since then i have been receiving more than 4calls a day.
Product: Mortgage

Freedom Mortgage paid monies from my escrow account to pay taxes for the sellers ( XXXX XXXX XXXX XXXX XXXX. I was not living at nor did I have ownership of this property, during the period of XX/XX/XXXX to XX/XX/XXXX. I purchased the property on XX/XX/XXXX. However, the taxes due for XX/XX/XXXX to XX/XX/XXXX in the amount of {$10000.00} was/is the sole responsibility of seller XXXX XXXX XXXX XXXX XXXX As you can see on the attached documentation, on XX/XX/XXXX, Freedom Mortgage Corporation paid the first half of the taxes in the amount of {$10000.00} due XX/XX/XXXX. Freedom Mortgage also paid the second half due XX/XX/XXXX, in the amount of {$10000.00} on XX/XX/XXXX. Freedom Mortgage Corporation then paid the first half of my taxes due XX/XX/XXXX in the amount of {$7400.00} on XX/XX/XXXX. As of this day, this writer, has paid a total of {$36000.00} in taxes and escrow. After reviewing all documentation it is clear that Freedom Mortgage Corporation owes this writer, at total of {$10.00}, XXXX. 

This writer also wrote a disclosure check payable to XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$500.00} for the period of XX/XX/XXXX to XX/XX/XXXX at my closing. I also wrote Freedom Mortgage Corporation a check for {$6100.00} for taxes. On XX/XX/XXXX and XX/XX/XXXX I spoke with representatives who confirmed I had a new mortgage amount and that I would be receiving a refund in the amount of {$10000.00}. My escrow currently has a total of {$8200.00}, which is short {$10000.00}. The correct amount that should be in my escrow account is {$18000.00}. 

As of today 's date I still have not received my {$10000.00} or notification as to when I will receive payment.
Product: Credit reporting or other personal consumer reports

Theres alot of hard inquiry in my credit report that I did not authorized. Heres a list if you can please remove them. 

XXXX XXXX XXXX XXXX XXXX, 2023 XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2023 XXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2023 + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2023 + Finance/Personal ( XXXX ) XXXX XXXX  Inquiry : XXXX XXXX, 2023 + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, 2023 + Bank ( XXXX ) XXXX XXXX XXXX XXXX : XX/XX/2023 2023
Product: Credit card

On XXXX, a transaction in the amount of {$400.00}, on XXXX, a transaction in the amount of {$400.00}, on XXXX, a transaction in the amount of {$80.00} was made fraudulently in a atm withdrawal. I called Chime dispute department today XXXX, when I realized the transactions. I disputed them as unauthorized transactions which they then deactivated the card and filed the dispute. I was told XXXX business calendar days the dispute will be finalized and I should have my money put back into the account. I asked why I wouldn't get the provisional credit, she then replies because it is in my credit account it doesn't qualify. Now I don't authorize my money to be automatically transferred into my chime credit account. Ever since I opened up the credit account any money I have deposited into my debit account moved right over so eventually I only used the credit account. I was unaware of any functionalities I rolled with it but now for the distress i am filing a class action suit. This should never be happening, and I no longer feel secure with this.
Product: Debt collection

ACIMA DIGITAL FKA SIMP is showing collection and late. I didn't open up a debt with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX XXXX XXXX XXXX XXXX ; and how are you doing? Why is my process is taking longer than 60-90 days? I  understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

A hard inquiry from Capital One appeared on my Credit reports on XX/XX/year>. 

I have not made any application to Capital One in over 5 years. 

I would like to have this hard inquiry Removed from my Credit
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Checking or savings account

In XXXX of XXXX I had {$1000.00} withdrawn using an ATM in XXXX XXXX TX. This transaction was unauthorized and fraudulent. I closed the card and filed a dispute with U.S. Bank. I am a XXXX  on a laid off worker workfirce re-entry program through the Texas XXXX XXXX. Rhis debit card is issued to me by the state of Texas through U.S. Bank. The funds were place back into my account and I received the funds back onto my card. The correspondence received from the bank stated that the money was removed due to a system error. I started to regularly change my pin numbers and contacted customer service asking for some type of safeguard against unauthorized usage on this card. On XX/XX/XXXX I checked my balance as I regularly do, and noticed a great decline. I logged onto my online banking and found three more unauthorized ATM withdrawals one after the other occurring on XX/XX/XXXX. Each was for {$300.00}, totaling {$900.00}. I immediately contacted the lost/stolen card department and repeated the process of ordering a new card and filling a dispute. I did not withdraw these funds and have never been to the city where these violations are happening. U.S. Bank has declined to put the funds back onto my card and says no error occurred. I am being targeted by scammed and criminals within the banking system because my card had never left my possession. I have never shared my pin number with anyone. U.S bank has someone on the inside that is committing these acts. There is no other way and no explanation other than an inside job. I did not visit or utilize any ATM on XX/XX/XXXX. If U.S bank had investigated and pulled the ATM images or investigate internally this could be solved. I want my funds placed back onto my card. I have sent in an affidavit from the person I was with at the time of the theft. I feel frightened and targeted. I have suffered from this violation and need assistance. I am still trying to gather any other documentation or proof if innocence. No one will listen to me, I have spoken with multiple supervisors and representatives but if seems as I no one will just investigate. I will speak with law enforcement or any investigator from the bank. Please direct me to any additional steps I should take because I did not do this nor did I authorize ANYONE to use my debit card.
Product: Debt collection

On XX/XX/2022, XXXX consumer XXXX XXXX a cease and desist letter to stop the infringement upon my intellectual property rights. I also demanded NAVY FEDERAL a request for an audit trail and a debt validation letter in which they failed to provide so I could exercise my right to validate this debt.
Product: Bank account or service

I received a rebate check in the mail from my payroll company ADP on behalf of my Health Insurance company, XXXX, for {$79.00} dated XXXX/XXXX/2014, this was money due to me under the MLR provision of the XXXX. I recently found the check and was going to cash it but noticed it said it expired in XXXX days so was no longer valid. I only found the check last week as it was stuck inside a flyer I rec 'd in the mail that I had set aside and just opened. Since ALL of my transactions with ADP ( who is the XXXX XXXX XXXX XXXX XXXX XXXX direct deposit, I do not normally receive checks from them. 

I called ADP to ask for a replacement check I could deposit and they said " No. '' that if I did n't cash it within XXXX days they were under no obligation to pay it. I asked them if this was legal and they said yes, it was entirely up to them whether they paid me or not and that by not cashing within XXXX days I was not entitled to the rebate. This does not seem right, nor legal. 

After all they owe me the money because I overpaid them under a provision of the XXXX regarding MLR, so I do n't understand how they can now legally claim they are under no obligation to rebate me the money. 

Please advise.
Product: Debt collection

I had a gym membership with XXXX in XXXX, PA. I then attempted to cancel the membership and was told I needed to stop in and not over the phone. I then stopped in and due to the manager not being there I was unable to cancel. I was told I could n't leave a letter, fax a letter, or email a letter. I was also told that I needed to speak with the manager as they were the only person who can cancel the membership. I found this unfair due to the manager being there at certain times. 

I did file a complaint with the XXXX who resolved the issue and I just needed to pay the last month that I owed, which was XXXX. I did make this payment, however the company still billed me. I was told it would take 1-2 billing cycles for their billing company to receive the update. In addition the company responded that they would waive the late charge in good faith. 

I have now received a collection letter from First Credit Services , Inc for the amount of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These hard inquiries need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

When I completed my application in the terms it stated that I would receive notification from MOHELA to verfiy what loans I wanted to consolidate. I also received the notification when I submitted my application on the studentaid.gov website. I never received a correspondence from MOHELA to confirm and verify the loans I wanted to consolidate before they finalized it. There was one loan that I was wanting to not include after my application submission due to concerns that I had. My total loan balance was approx. {$190000.00}. I had spoke to MOHELA on the phone in XX/XX/XXXX as I was waiting on them to send the letter to verify my loans and consolidation request and was told by a rep that they MOHELA didn't send a loan statement because I had applied for PSLF and needed to consolidate quickly so MOHELA could meet the XXXX deadline. This is what the agent told me as to why it wasn't sent to me. Unfortunately, when MOHELA took possession, my loans totaled {$200000.00}. I first inquired about this on XX/XX/XXXX. MOHELA responded XX/XX/XXXX and failed to address my question and concern. All they sent was a copy and paste to FAQs. I then sent another message XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Every response has been a them ignoring the question. They have requested to me to call, however due to my schedule, their own disclaimer about wait times etc., and me wanting to have things documented I have been clear I would like the information via written as it is an contact option for consumers. They have failed to answer appropriately.
Product: Checking or savings account

Recently I've noticed that I have been charged {$25.00} from my checking account and {$8.00} from my saving account for a maintenance fee every month from the Bank of America. I went to the XXXX branch of the Bank of America and they informed me this has been going on for about 7 years. They said that I needed to keep a minimum of {$10000.00} in the account to avoid being charged, but I remember when I opened my account the minimum was {$1000.00} or {$2000.00}. I was not informed of the conditions changing. In these 7 years I have not received mail or paperwork informing me of these charges. I understand everything has gone paperless and became automatic transactions, and I haven't been scrutinizing and checking my account because I trust my bank. I feel as if being charged for something like this is like an indirect way of being told my account and buisness is not important to the Bank of America, and if they did not find it important I should instead be sent a letter to close my accounts instead. I don't think this is a fair way to be making money from me. XXXX branch helped a lot, but they are unable to go through the system and return my money. They suggested I call Bank of America directly but still my issue is not resolved and not a single penny of my money has been returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between flagship credit acceptance and XXXX XXXX credit reporting company, each company is blaming each other for the reason why my account is not reporting accurately. The funny thing is is that XXXX XXXX claims flagship hasnt reported to them since XX/XX/XXXX? My car note was originally 90 days past due from losing a job and having to catch up on all of my bills come mid XX/XX/2023 I have caught up my car note completely, and have been on time since. XXXX XXXX is showing that I am still 100 to 90 days late on my car note which is not true. And for some odd reason XXXX XXXX updates to show that Im paid up and caught up then it seems like a couple days later it goes back to being 90 days late and deducts points off my credit first of all this late payment reflecting on my account, showing that I am late currently is affecting me from being able to move into a home. I am going to face being homeless, because neither company can get their act together and correct the problem. XXXX XXXX is the only one who is not reporting accurately.. here I am almost mid XXXX and they still can not correct my credit. Somebody is dropping the ball. I have disputed this account more than three times and each time it comes back stating that the information is correct and accurate, but it is not correct and accurate because my account is still showing that I am past due when I am not past due. At this point in time I have been current with my car note since XX/XX/2023 I am sick and tired of dealing with this. It has been three months at this point. Im to the point where Im going to get a lawyer involved and sue, both flagship credit acceptance and XXXX XXXX for their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX .... Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Somebody used my debit card online on a website called " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without my permission from my Synovus Checking account ending in XXXX on XX/XX/year>. The total that was debited from my checking account was {$100.00}. I disputed the transaction with Synovus Bank, and they submitted the dispute last week.
Product: Credit reporting or other personal consumer reports

I have been applying for credit cards but I am being told that my score can not be computed because I have no fico score, but around 2022 I did have a fine score., now I can not apply for credit due to this fact
Product: Debt collection

I had a problem in my basement and got sump pump installed in my basement and waterproofing use XXXX XXXX to give me and my husband a loan and told us that it would be 365 days with out no interest and the first 6 month we didnt have to pay well the month XX/XX/2019 we new we had pay but never got a due date and any paper work from XXXX XXXX so we went by are contract that we got from waterproofing specialist when we sign for the loan that it was 365 no interest we got only one call in XXXX never stated in the call who was calling call was drop and never got a call into I called in XXXX to discuss different situation And at that time I was never told anything bout when payment was due at anythime and not even if we didnt make payment. By due date that 365 days would be canceled and wen we took are contract to XXXX that we sign he said it wasnt valid that what he had was valid but never showed us what they had in document and I said I never sign anything with them manger stated he must took my arm off my body and sign very disrespectful And I didnt appreciate that at all the front desk XXXX try explain that we never got welcome letter till that day we went into office well both manger as really rude and didnt want here anything we had to say
Product: Debt collection

I am writing to bring to your attention a serious matter involving the unauthorized disclosure of my personal information. I recently became aware that Wakefield and Associates sent confidential information about my account to a phone number that does not belong to me. Wakefield and associates has sent text messages to a prior number that is my ex significant other now number. This incident raises significant concerns about the handling of my private data and constitutes a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA
Product: Money transfer, virtual currency, or money service

I was looking through XXXX  XXXX for a XXXX XXXX to buy and came across one that was XXXX i chatted with the guy a bit and he said he would go down to XXXX and asked for my number so it would be easier to message through so we chatted from Wednesday all the way to Friday then did the transaction through Google pay for XXXX then i asked him when are you gon na ship it he said tht day or the following one i asked him the following day did you ship it but he never answered so i was worried i kept trying to contact him but no answer then tried calling but he instantly decline the calls so now he won't answer and won't ship what i thought i bought