23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To whom it may concern, My XXXX lease was coming to completion at the end of XX/XX/XXXX. On XX/XX/XXXX, my car was involved in an accident. It was a no fault accident as my car was parked in the driveway and another person stole a different car, hit and totaled my car. This was at roughly XXXX. I spoke to insurance and after they determined it was no fault, they explained that they would take care of everything. Then XXXX called me and asked for {$500.00} for completion of the lease or inspection of some sort. I called my insurance company and they said I am not required to pay that since the total cost would be covered by insurance. I spoke to multiple reps at XXXX XXXX and a few of them actually said that would work as long as the got the payment. I called insurance again to make sure they said that there is no deductible/fee of any kind that I need to pay. They assured me that I do not need to pay anything. 

Eventually I got letters and phone calls from third party collection companies regarding the {$500.00}. I believed this to be some sort of scam since many random numbers called me and asked for money. Whether true or not true, I told the companies the insurance has covered it already. 

I was also given instructions to return the lease and car when I explained that I do not have a car to return, which is also why the {$500.00} Charge is incorrect. There is no car to return since it was considered a total loss. 

The next thing I see is my credit dropped from over XXXX to about XXXX. I had no idea how or why and I was told from the credit bureaus that it was because of the XXXX XXXX. I explained that it was some sort of mistake and they suggested I check with XXXX XXXX and the collection companies. 

I am writing this complaint today because I have tried for years at this point to resolve this matter and XXXX is not cooperating. I asked what can I do to fix this and they keep referring me to write them letters asking how to remove it and XXXX only replies " sorry it is reported accurately ''. I spoke to someone on XX/XX/XXXX with XXXX and they said there is nothing I can do. I offered to pay balance, speak to someone, provide anything necessary to fix it and the refuse to cooperate. The current way they are reporting the situation is " Dispute resolved '' to Transunion and " Account Paid '' to XXXX. Also XXXX is reporting it as a Paid Charge off to Transunion and a Paid Collection to XXXX. So there are many discrepancies between how its reported, what type of report, and that it is still in collection/derogatory even though it is resolved and account is paid for. 

I have been trying for years to cooperate and they are abusing the system with these month long delays that have turned to years. I have all the documentation to prove my innocence. I do not know where else to turn.
Product: Mortgage

I applied for a home equity credit line on a fully paid house in XXXX XXXXXXXX XXXX  after a provisional approval I was denied credit on the basis of : -Temporary or irregular employment -Value or type of collateral not sufficient I believe the Bank did not treat me fairly and did not take into account all the information. 
On the temporary employment issue : I worked non stop from XXXX when I came here to the XXXX to XXXX a master in real estate which I successfully completed. In XX/XX/2022 I joined XXXX where I am currently employed with a respectable position and salary. 

On the collateral issue : The Home equity line I subsequently requested, was for XXXX secured by a house value by the Bank at XXXX. Furthermore, I hold assets with the same Bank overseas in excess of XXXX therefore their reasons are not very solid hence my claim of unfair treatment. Please do not hesitate to contact me for any questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Date Filed XX/XX/2018 XXXX CARD Date Filed XX/XX/2018 The above mentioned inquiries are fraudulent ...
Product: Credit reporting, credit repair services, or other personal consumer reports

All XXXX in credit report has been legally discharged as paid infull for legally cognizable reason. Wherefore, should be mark as paid infull/discharged on credit report.
Product: Debt collection

FBCS called me in XXXX to collect a debt for the doc that delivered my son. I set up a payment arrangement and started investigating why my XXXX wasnt paid by my insurance company but the hospital was paid and The anesthesiologist that administered my XXXX was paid everybody except XXXX was paid for the birth Delivery and hospital stay. Once I talked to my insurance company and found that they had never received a claim from my XXXX for the Delivery of my son I then contacted my XXXX   ask them for a copy of the medical claim that was denied and now the debt that I owe for this once I got this paperwork in the mail I found that they had never build my insurance company they actually sent the claim to a wrong or incorrect insurance company. Also When I was looking into this debt I asked FBCS when and who sold my debt to them. FBCS gave me the number for a trucking company. Im called back and told they gave me a trucking companys number and they told me to call back and talk to someone that this was a legit company. So I called back and the lady at the trucking company told me no we do not collect money and we are not a collection company. So I called FBCS back and told them this information and they put me on hold so long over and over so I just kept getting cut off basically. I found out from my insurance company that the claim was never sent to them it was sent to the wrong insurance company so When the claim was denied because I wasnt a policy holder it was because it wasnt my insurance company. I called XXXX at FBCS and cancelled my payment arrangement with FBCS and told them it was because I can pay the doctor directly because they hey mistakenly billed the wrong insurance company the lady yelled at me and told me I still owed this money and that I was a liar. They are now calling me again to try and collect more money. I continue to to contact my XXXX billing department and I leave messages telling them they billed the wrong insurance company and that I will them directly I have already paid {$400.00} on this to FBCS and now I will set up automatic payments with XXXX XXXX XXXX but no one will respond to my messages. Please stop FBCS from collecting on people I have proof that the wrong Insurance company was billed and this is way out of control. FBCS calls me 10 times a day.
Product: Credit card or prepaid card

I am a current CitiCard customer that had a card expiring. I received the card and called to activate it. I successfully activated the card, and the agent said I was eligible for a Gold option on the card and asked if I also wanted the " feature turned on ''. I said OK. 

What really happened is that they sent my new expired card AND opened a new credit card with a {$10000.00} credit line and several terms including a {$50.00} annual charge. My original card is a lower credit limit and no annual fee. NO REPRESENTATION was given to me that this was going to be a new, separate card, and NONE of the terms were provided. It was misrepresented as a 'feature ' on my current card, not a new Gold card. 

I felt this was a gross misrepresentation and false marketing to drive new accounts and higher credit limits just like XXXX XXXX has been fined for doing. This hit my credit report and affected my score among other inconveniences. 

I called and immediately cancelled the card, but this must be a rampant practice at CitiBank now. 

I would like an understanding of how the CFPB is going to follow-up especially given the I myself am in the financial services industry.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items reporting on my credit file that do not belong to me. These items are reporting on my credit report as a result of identity theft. Please assist me in getting these items removed from my credit file : OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 Times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, Incorrect Names : XXXX, Now XXXX, XXXX, XXXX  Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX ( 2 Times ) 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

Navient did not properly credit my prepayment of student loan payments, even though I clearly marked my intention for my payments through the web payments system or by separate letter enclosed with my check. It took many hours of follow up by phone with their customer service to correct. Ultimately I refinanced my loan with a different provider, in part because I could not trust Navient to handle my payments correctly.
Product: Debt collection

XXXX XXXX  Account # : XXXX XXXXXXXX XXXX XXXX Account # : XXXX This account is being illegally reported on my credit report. I requested method of verification on this account. I have recently been informed that there is TWO negative claims reported by XXXXXXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX for the SAME account on my consumer report and under my Social Security number. Upon reviewing a copy of my consumer report, I see an entry listing I have a {$260.00} Charge-Off on with major inaccurate information and it is affecting my report. How is this accurate if the term duration is inaccurate, no reported monthly payment amount, date opened is inaccurate, the account type is inaccurate, credit limit amount is inaccurate, past due amount is inaccurate, last reported date is inaccurate, last active & last payment date is inaccurate, and most importantly my DOB is reporting inaccurately. Therefore, I am now formally requesting method of verification according to the Metro 2 Compliance standards. Any automated response, or E-Oscar verification is unacceptable. This listed item is entirely inaccurate and incomplete and must be deleted. Furthermore, if at any time during your investigation the above account is verified by XXXX. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

Certified Mail XXXX Receipt # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all three credit bureaus a certified letter, requesting an investigation/ deletion of this hard inquiry from, Factual Data XX/XX/18. It has now been well I've r 90 days and still no response. This has cause great hardship and stress as well as it has caused my credit score to go down drastically causing me to be denied credit and home loans. The credit bureaus have not complied with the FCRA laws that were put in place to protect all consumers. The bureaus have a responsibility to report accurate information and respond to disputes within a timely manner.
Product: Credit reporting or other personal consumer reports

In a letter dated XX/XX/year>XXXX  from Wells Fargo, where I do not have a banking relationship, they received an online application to open a new deposit account using my personal information. Based on the information received, they were unable to successfully verify my identity and decline to open the account. They told me to contact the credit bureaus, which I have, and file a report with the FTC/CFPB. 

Between XX/XX/year> and XX/XX/year>, an inquiry was made by XXXXXXXX XXXX XXXX XXXXXXXX was added to my credit report. This was a hard inquiry from an institution where I have no banking or revolving credit relationship. This hard inquiry was reported on both my XXXX and XXXX credit file. 

I monitor my credit and was notified that I had two hard inquiries appear on my file and I noticed the coinciding credit score drop. I would like investigation, removal of hard inquiry notices on my accounts and restitution to my credit scores. 

I have not engaged directly with either Wells Fargo or XXXXXXXX XXXX XXXX XXXXXXXX, as I am not a current client with no form or recourse to my knowledge.
Product: Mortgage

XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The company is charging me for flood insurance for a 2nd floor condo and no one else in the complex is paying floor insurance. I can not get a hold of the company to resolve. NO customer service, they don't pick up their phone. Website is a nightmare and can not log in.
Product: Credit card

My husband lost his job and I was unable to pay my credit card payment for some time. After my account charged off Capital One has sent my account to a collection agency XXXX Attorney 's at Law. I began making token payments every few months and I got a letter from XXXX stating that as long as I continued to pay according to the agreement that we had made they would not take my account to court. I have never spoken on the phone with them, I have never made any sort of arrangements with them. So I continued to make payments when I could, as much as I could. I did not get monthly billing statements, I did not even know what my balance was at any given time. In XXXX 2015 I did finally get a bill stating that I owed {$1100.00} on my account and for XXXX my husband paid off my account for me on XXXX/XXXX/2015. To my horror I just discovered that this firm has filed suit against me in court Case XXXX. To my knowledge my account, although previously charged off, should be paid in full and should be reporting as such to the credit agencies now. I feel that this is a violation of UDAAP as it was deceptive to pretend that they had entered into some sort of an agreement with me without ever speaking with me. I feel it is abusive to continue to collect a debt and even file suit against a debtor that has paid off their account. I feel that it is unfair to not send monthly billing statements to a customer and expect them to know what is owed on a loan. Service providers for large banks should be held to the same standard as the big banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a CH XXXX Bankruptcy in XX/XX/2011. My mortgage was included in the filing and was also listed as a creditor in my XXXX XXXX from the Trustee. The mortgage, through Wells Fargo, is listed on my XXXX Credit report as a foreclosure which is not accurate. The debt was not reaffirmed after discharge. I have contacted XXXX two times for a dispute and Wells Fargo has continued to report the information incorrectly. This is impacting my credit rating and I would like the account removed. The Bankruptcy has already fallen off the report so the foreclosure make my XXXX score approximately XXXX points lower than the other Credit Bureaus.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to 3 Credit bureaus. And now we are in the month of XX/XX/XXXX and still nothing from them. That means 3 credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX ; Inquiries : 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 reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX XXXX XXXX  add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, JPMCB - AUTO/XX/XX/XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card

XX/XX/2023, I made a payment to Lowes and Synchrony Bank of {$250.00}. 
XX/XX/2023, an auto payment was taken out of my checking account for {$250.00}, this was not an approved withdrawal out of my account. I called on XX/XX/XXXX, to Lowes and tried to explain the issue that somehow, they withdrew {$250.00} out of my account, and they told me that it had not shown up on their system yet, and that it would take 15 days to refund my money. I then called my bank XXXX XXXX XXXX XXXX and asked them to look into the withdrawal. XXXX XXXX looked into the issue and refunded my money on XXXX. Lowes sent me a new statement On XXXX XXXX, stating that I owe them {$340.00}. Saying that I still owe the {$250.00} plus late fees. I called Lowes and they said that they sent me a refund check for {$250.00} on XXXX XXXX. I never received this check and asked Lowes to produce the check with my name on the back and said they did not have too. That I still owed them money. I never received the check nor did my wife whose name is on the account. I cancelled the account I the account is paid off but they still want money from me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX : # XXXX, has violated my rights.
Product: Money transfers

I pay my rent by mailing in a money order. I was told by my landlord XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that he did not recieve it. This is my last payment to him and only payment that was " lost '' and I 've had previous issues with his management.Thus, I am concerned that I am being mistreated and money is being stolen from me. I am trying to cancel the money order but was told that I am unable to. My landlord is also asking for me to give him a cancelation reciept for it. My lease is up XXXX XXXX, 2015 and I contacted him to do my rental verification form that my new landlord provided me to give to him. He then stated that he did not recieve my payment. I asked him why was n't I notified that he did not recieve my payment. He stated that he did via mail but it was returned to him unable to send. Keep in mind that I have my address set to change XXXX XXXX, 2015. Thus, my address is still current and have been recieveing all of my mail. Can you please help? The money orders are through MoneyGram. The serial number for the {$100.00} money order is XXXX and the other for {$500.00} is XXXX that XXXX were purchased on XXXX XXXX, 2015 form XXXX XXXX store # XXXX and mailed off the same day to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} - Late/Open XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$17000.00} Late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late/Closed -XXXX XXXX XXXX XXXXXXXX  Date Opened : XX/XX/XXXX Balance : {$300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am writing to request your help. I am a victim of identity theft. I tried to solve this matter with the company in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail. As of today they have failed to provide me with the proof I have lawfully requested. This fraudulent account being reported to the credit bureaus is a violation under the FCRA.

Account is the following : ACC # # XXXX, Opened Date XX/XX/XXXX ; Limit {$7000.00}. Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.
Product: Debt collection

Company : Credence Resource Management This company contacts me from various numbers and blocks their identify when they call. I have noticed they use a pattern when they call me so I 've been able to add them to a block list, but they are relentless. 

I have spoke to the company and they were going to set me up on a deferment due to loss of job ; however, they never completed this process and now will not provide me with that ability. 

They call me from the following numbers and never identify themselves or leave messages ; XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX ( Asked rep to send me copy of debt ), XXXX XXXX ( Same Rep called back just to bother me because I hung up on them for not identifying themselves to me. They stated they will put me in the system to get more phone calls since I 'm not wanting to pay my debt in a timely way. ), XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX ( Spoke with their Rep and told them about loss of job and they stated they would make notes and set me up on a deferment, but they never did ), XX/XX/XXXX - XXXX XXXX