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

While checking my credit profile I seen that there was some inquiries that are not mine.
Product: Credit card or prepaid card

Hi I have the us bank ReliaCard for Pennsylvania for unemployment and they have locked my account with my money on it and are not releasing my funds for me to use the card I have sent in ID verification and piece of mail proving it is me I can not pay my bills or anything cause they keep telling me to wait until they have processed my documents Im getting very upset that my unemployment benefits after everything I have send still wont unlock or free my account so I can use my card.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report. Your company is in violation of the law. Under 15 USC Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer who it relates Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : 2 ) EXCLUSIONS.- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Debt collection

I asked the collection agency to supply me with verification of debt by providing me with the original application or forms with my signature on it and contract information from the original creditor. I sent them a letter of dispute on XXXX XXXX, 2015 and they never responded. This account is in another person 's name, but they claim that this person has me listed on their account. I asked them to supply me with documentation and they have not. This account is not mine and they need to remove it. They are not reporting accurately on my credit report.
Product: Money transfer, virtual currency, or money service

I made a purchase with my debit card ending with XXXX. I used this card as the card on file for a down payment and installment payments. 
There was an old card on file from 4 years prior that was used instead of my card on file. 
It is explained in the correspondence with XXXX, the customer service representative. 
There would be no reason to use an d card when I specifically used my current card and authorized the down payment and installment transactions. 
Thank you.
Product: Mortgage

The Mortgage Fay Servicing recently purchased ( XX/XX/XXXX ) my mortgage from another company, XXXX XXXX XXXX and they added mortgage insurance and homeowners insurance escrows to my payments raising my payments {$260.00} each month or {$3100.00} a year. I have advised the company on numerous occasions ( Calls made XXXX XXXX XXXX XXXX XXXX ) and have faxed documentation multiple times ( XXXX XXXX XXXX XXXX ) to demonstrate that I have my own homeowners insurance, to include personal insurance and insurance through my condo 's master 's insurance policy but the mortgage company continues to require me to pay their insurance which is $ XXXX and far more expensive than what I am currently paying for the other two insurance and unnecessary as I already have two sets of insurance. 

In addition, I have had this mortgage since XXXX which was modified in XXXX and I have never had to pay mortgage insurance on the property since owning the home until they assumed the loan. I have requested them to remove both the MI and the other insurance and the will not remove it despite being told on multiple occasions that they would.
Product: Vehicle loan or lease

I have had repeated problems with Volkswagen processing my state registration and XXXX personal property tax payments. In the past, I have submitted a complaint to the CFPB about Volkswagen 's unfair practices with respect to collecting and remitting personal property tax payments. 

I moved to XXXX XXXX from XXXX XXXX in XXXX. I registered my leased VW in XXXX  effective XX/XX/XXXX. VW charged me around {$50.00} to process my title paperwork. They did not disclose these fees to me. They simply tacked them on to my next month 's statement. Given that they charged me to process my paperwork, they should know that my car is registered in XXXX. 

Despite the fact that my car was registered in Pennsylvania, VW paid my XXXXXXXX XXXX personal property tax through XX/XX/XXXX. This means they overpaid my property tax by over 6 months. I was charged an additional {$530.00} on my XX/XX/XXXX statement for the Property/Excise tax. Because I am registered in auto-payments, this amount ( in addition ) to my monthly payment was sucked out of my account on my normal payment date. VW should have realized based on processing my title work that my car was not garaged in XXXX or registered in XXXX from XX/XX/XXXX to XX/XX/XXXX. As a result, I was overbilled by roughly {$300.00}. 

When I contacted VW, their customer service agent confirmed that my personal property tax was paid through XX/XX/XXXX. When I told her that I no longer lived in XXXX and had not for over half the year, she told me that I had to submit a registration card to prove that I no longer lived in XXXX. It is UNFAIR and DECEPTIVE for VW to charge me me when they knew I did not live in XXXX Additionally, it 's UNFAIR that as a consumer that I need to proactively contact VW to tell them that they overbilled me. They should have contacted me and told me to submit a proof of registration if they needed one prior to processing my personal property tax payment. It 's DECEPTIVE because they do n't tell you how to recover your money after they overcharge you until contact them.
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX DESTINY Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX and list of Inquiries. 

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, credit repair services, or other personal consumer reports

On XX/XX/2020 I've file a dispute for unknown and inaccurate accounts on my credit report but I haven't receive a response and it is almost over 30 Days now since I've filed. I was a victim of XXXX  Data Breach. I demand to Delete all those accounts or I will file a litigation.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX - XXXX - {$XXXX} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Checking or savings account

This complaint is in regard to Bank of America and a account promotion I received for opening a checking account. The complaint is for deceptive marketing practices and failure to honor terms of agreement. 

I opened a checking account at the branch in XXXX MD on XX/XX/XXXX and mentioned to the representative that I was there specifically for the promotion. I brought a copy of the promotion received. 

The stated promotion I received was for {$300.00} for direct deposit totaling over {$4000.00}. I completed the terms in early XX/XX/XXXX. I called the bank representative XXXX XXXX in late XXXX and she assured me on XX/XX/XXXX that I would receive the promotion and gave me a personal call stating that. 

As of XX/XX/XXXX, I still have not received the promotion and she is now backpedaling what she told me and for me to contact XXXX XXXX to have the promotion paid, which doesn't make any sense to me. This is completely deceptive and I want the promotion to be paid as I have fulfilled the terms of the agreement.
Product: Debt collection

This account has been on my credit report and It is not mine. I have never done business with this company and I would like this account deleted from my credit report. I tried to contact the credit bureau to review my account and have the account deleted and they returned the account as verified and didn't provide me with any details as to how this account is owed by me. I am requested original documentation for this account to prove that it is mine or have the account permanently deleted from my credit report.
Product: Mortgage

On XX/XX/XXXX I received notification from my insurance company that my homeowners insurance policy had lapse due to my mortgage holder 's, Flagstar Bank, lack of payment. On XX/XX/XXXX I called Georgia Farm Bureau and had a three way call with a representative of Flagstar bank to make sure my information was entered correctly for payment. Flagstar assured us the payment would be sent to the provided address via FedEx overnight shipping since the policy was over 30 days late. On XX/XX/XXXX I received another notification from Farm Bureau stating my homeowner 's insurance had lapse again and my insurance agent had called and again requested an overnight check. I called Flagstar to get the information for the tracking number but was told the check was sent via USPS Non-Priority mail to the incorrect address. When I requested to cancel the check and send a new check via overnight I was told this was not possible. 

During this process I requested the homeowners insurance be removed from Escrow so going forward I could handle payment since Flagstar is obviously incapable. I was told to remove the homeowners insurance from my account I would have to pay a fee of .25 % of my total outstanding house loan. Flagstar 's inability to handle their basic escrow responsibility and charging me for control over my own money is an unethical attempt to control assets that do not rightly belong to them. I am appalled at the level of service I have received and, if given the opportunity, I would move my entire mortgage + escrow accounts to another entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well I applied for XXXX XXXX  ( a night job ) and they did a background check and something came up and with that job I dont see how that was a issue and now I want to dispute it
Product: Debt collection

XXXX   XXXX   XXXX   XXXX   sold my account to LVNV FUNDING LLC who in return sold the account to Resurgent Capital I paid the debt in full ( receipt attached ) I requested with all companies to remove this reporting from my credit report and this has not been done   XXXX   XXXX   is still reporting it as transferred debt not as a debt paid in full i want this removed from all credit reporting agencies as this is paid in full! Balance as paid in  f  ul l  XXXX - XXXX -2016 I ha ve submitted request for removal and still no action was taken.
Product: Debt collection

XXXX forwarded a debt i do not owe to convergent collection agency as a retalitory act after i did a chargeback with my bank and revoked my banking information from them due to illegal activity. ( Fake tracking number from XXXX ) paypal.. After this fact,, revised my account to show a negative balance and forwarded it to convergent for collection.
Product: Student loan

I received all of my loans from Navient while it was XXXX XXXX. I also have all of my federal loans serviced under it. I graduated in XXXX and immediately after graduation could not afford the loans. I used up all of my forbearance and did this because the only option they gave me was to force my cosigner to pay. There was no income based repayment. This cost me more money - I did this for XXXX years. I made payments for a year, and then because I could not afford such a high loan rate with just my XXXX credentials - I went back to graduate school for 3 years. My loans were deferred this whole time. 

Unfortunately - graduate school just added more interest to my loans. I am nowXXXX years old and owe $ XXXX to Navient. I also owe another {$45000.00} to XXXX ( not on my Navient account ). This means I have over {$220000.00} in debt. I only make {$60000.00} a year - I will never be able to pay this back unless I do not have a family and never buy a house. My life is over. I currently my {$670.00} a month payment from Navient and my {$400.00} from XXXX ( the XXXX XXXX XXXX ), I pay 1/3 of my income just to loans. XXXX also refuses to income back repayment -my payment instead goes up. Unfortunately, even if I do get income based repayment at this point - still owe over XXXX so I feel pretty hopeless. I have no savings and my loan payment goes up every year as I make more money - I ca n't get ahead. I can not do another forbearance and my parents can not pay my loans because they are currently already paying my siblings loans - all form Navient. My brother also owes XXXX and is in the same situaion. My entire family 's credit and lives have been ruined by this company. If it were not for my debt - I would be successful citizen who can help our economy grow. I have a XXXX XXXX in XXXX XXXX and I work as a XXXX in the XXXX XXXX XXXX XXXX XXXX. 

my dreams will never come true. I sometimes wonder if college was not the biggest mistake of my life - I 'm not making more money because of my loans- perhaps I would have been better off debt free with a lower wadge. I have no financial security and fear for my well being on a regular basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the three credit bureaus on XX/XX/2022 to inquire about some inquiries that I do not recognize. I asked the credit bureaus to provide me with a credit application because I don't recall making such inquires. I asked them to verify and send me proof of the credit inquires because I don't believe the creditor or the credit bureaus are abiding by the law of permissible purpose, because I don't recall ever making such a request for my credit to report to be pulled. I've sent multiple letters to all three bureaus and I did not receive anything back from XXXX in which I know they are illegally Ignoring me. XXXX sent something back stating I have to contact the creditor directly and Equifax never got back with me either. I have mail receipts via USPS and It says it was delivered to them. I've sent multiple letter addressing the issue and they have done nothing at all but violate the FCRA. I took the matter in my own hands and reached out to each creditor and none of them can verify the credit application used to determine the inquiry they listed. I believe the credit bureaus are not reading my request and are just sending out pre template responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XXXX I applied the Choice Prvileges card ( VISA ) and received it. Within a week of the application I have seen the offer by the same issuer Barclays bank that upped the point limit to XXXX points from XXXX. I called Barclays Card application line and requested the offer to be transferred into the higher point category. I was told they don't have the capability of doing that but after I receive my first statement and I am a member in good standing ( i.e.pay the bills ) I will be able to be get the additional XXXX points credited to my account. I was also instructed to speak to the manager to achieve that.

About ten days ago I called and after a long hold I was told that no manager will speak to me about this as " all managers are very busy. '' I then requested for a call back from the manager which I was told will happen within 48 hours. It didn't. I also reached out to the media relations person from Barclays who assured me the issue will be referred to the appropriate dept for resolution and as of today I received absolutely no response.
Product: Credit reporting

On XXXX XXXX, I sent a letter to Experian requesting that they investigate errors on my credit report. Today, almost 60 days later, I received a response from Experian stating that my request was suspicious, and they refused to conduct an investigation. They gave me a phone number to call to confirm my investigation request, but I could not reach a live operator unless I purchased XXXX of their credit products from their web-site. I am attaching a copy of the letter that I sent to Experian. You 'll be able to clearly see there is nothing " suspicious '' about my request. My letter is straight-forward, and I even included a copy of my license and social security card to verify my identity. I just think Experian is trying to get out of doing my investigation.
Product: Debt collection

To Whom It May Concern : This letter is regarding account # which you claim [ insert a derogatory condition here, such as I owe XXXX or my account was charged off {$14000.00} ].

This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : Unpaid balance reported as a loss by credit grantor. 
XXXX XXXX XXXX Account # XXXX Delete this account.