23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a XXXX Veteran and I served in the XXXX war for XXXX long consecutive years. While I was in the warzone, someone stole my credit and destroyed my credit worthiness from Exceptional to Poor. Since XXXX I've worked relentlessly to correct this fraud. Finally in XXXX, I completed the task and returned to Exceptional. Well in XX/XX/XXXX, these people Zions Debt Holdings destroyed my Exceptional Credit Rating again, by placing a collection item on my account. I have never heard of these people nor have ever received any correspondence ( call, letter, text ) from them, yet suddenly a collection appeared on my report. I sent them a Certified Letter demanding removal of this item but the letter was returned. I sent it to the address listed on my credit report, but it must have been rejected and forwarded to their address listed at the XXXX  but it was eventually stamped " : return to sender. '' 10 days later. I can only assume this is a stall tactic. I requested a copy of the wet signature contract, a printout of payments and proof of ownership. As a Senior citizen Consumer it is Elderly Abuse for companies like this to target a niche market and completely destroy peoples livelihood. The guys were ( are/were ) formally XXXX XXXX XXXX and have accumulated over 300+ complaints in a 3 year period about home security system issues. They systematically fail to provide documentation for claims, yet their derogatory entries remain on peoples reports ... WHY? How long will they continue to get away with this? Read the complaints listed at the XXXX! This business model is not ethical and serve the people. IT IS NOT RIGHT! I do not deserve to be a victim of this type of tactic and I demand justice. Remove this entry from my report immediately and return me to my hard earned credit rating ... investigate these people. They even placed the entry on my Son 's credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. This is unauthorized use of my credit report. Please block and remove them immediately : XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX CARD : XX/XX/XXXX
Product: Checking or savings account

In late XX/XX/2017 I had a conversation with Union Bank about wanting to close my checking account. I no longer live near the branch where I opened the account. I was told that I would receive a check for the balance in my account which was {$380.00}. A short time later I received a check for {$370.00}. I called the bank to see why {$12.00} had been deducted from the amount I was told I would receive. I was told there was a {$2.00} bank charge and a {$10.00} cashier check charge. I stated that had I know those fees would be deducted I would have written myself a check for the full amount and then closed the account. I was told that someone would review the recording of the conversation when I requested that my money be sent to me, and if, indeed, I was not told any fees would be deducted then I would receive the full amount. I never heard back from the bank on whether the call recording was reviewed. Then when I contacted them repeatedly after some time had passed they refused to send me the {$12.00}.
Product: Mortgage

my loan was sold from XXXX to nationstar. nationstar failed to send me a letter so i was sending my payments to the wrong company. I tried to pay them this month and realized my mortgage had increased {$20.00} a month. when i called and questioned them they said that it was " projected '' that my taxes would go up so they needed more money. They claimed they sent me paperwork explaining this months ago but they did not. I do n't have the extra funds available because they think my taxes are going to increase.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and regrettably, I have been targeted by identity theft. An individual attempted to secure an auto loan using my identity without my consent. I urgently request the removal of these unauthorized inquiries from my XXXX report. 

As I did not authorize these inquiries, they must be promptly removed. According to the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you are required to investigate disputes within a 30-day period. If the information can not be verified within this timeframe, all fraudulent inquiries must be deleted from my report. 

The unauthorized inquiries listed below require immediate attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX of XXXX Your prompt attention to this matter is greatly appreciated. 

Greetings, I am XXXX XXXX, and unfortunately, I have fallen victim to identity theft. An individual attempted to secure an auto loan using my identity without my authorization. I urgently request the removal of these unauthorized inquiries from my Experian report. 

These fraudulent inquiries, listed below, must be promptly removed, as they violate my rights. According to the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you are obliged to investigate disputes within a 30-day timeframe. If the information can not be verified within this period, all fraudulent inquiries must be deleted from my report. 

The unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Your immediate attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX
Product: Debt collection

LVNV FUNDING has placed a fraudulent account on my personal credit report. I have not ever transacted business with this company. I have not ever signed a contract with this company. I have not ever received an advancement of money or credit from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past XXXX  years, Experian or XXXX have not reported my mortgage with XXXX XXXX on my credit report. It has harmed me greatly. I have sent proof of my mortgage account and requested XXXX XXXX to intervene without results and with getting the same standard letter from XXXX XXXX, that the mortgage is being reported accurately to all XXXX bureaus. XXXX XXXX states that in their last attempt that they were able to get XXXX to add the account, but Experian refused. If this report of no real estate is inaccurate and severely hampering my living standards, why is this ignored?
Product: Debt collection

I am a 100 percent XXXX XXXX veteran as proven by the attached document. Ally has been trying to bully me into paying them more money after we already finished the lease agreement as everything showed a paid in full on my credit reports. Keep re-ageing the account and adding false information to the CRAs that I now owe them over XXXX! Previous credit reports showed that this was paid in full, now they are trying to push me to accept paying them an installment loan for debt that is not mine. Its very weird behavior. They have had the car for more than 4 months, now they come trying to scare me into giving them money. The keep harassing me with letters and have even called me, texted me and sent emails. I have no further business with them and wish to receive relief from these predators. They are affecting my already diminished health. I have not seen a bank so determined to exploit someone. Its almost like they don't know that I am educated in XXXX, and have excellent XXXX skills. I am exhausted with their harassment and I need relief. 

Also it should be updated to show that I was never late! They knew this and agreed to correct it during COVID! My identity was stolen and one of my accounts were closed. I was in the hospital for 4 months outside of the country. They understood that Federal law allowed for relief but decided to not be compassionate with me and update this account as they have done for others. I hope its not discrimination! 

Please have this bank stop trying to use consumers as a tax payer funded bailout! 

I am begging Ally to please cease and desist. Please delete this record, and do something else to try and fix your financial situation. Stop trying to take from poor and XXXX veterans! 

What you are reporting is not accurate! I never gave you permission to report it! There is no written signed agreement with a wet signature that you can provide showing that I agreed to whatever you all are trying to do now, 4 months after we concluded business.

Pleas escalate this to a manager and I pray he or she has compassion and just stop this. I am not well and can't keep dealing with this.. please!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 XXXXXXXX XXXX account was originally XXXX XXXX XXXX. It was removed previously for being inaccurate and was reinserted by XXXX XXXX. They violated my rights by doing so and also did not inform me or ask my permission to reinsert the account within 5 days in accordance with the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Hi, Im authorizing this complaint on my own behalf. I am writing to express my extreme frustration with the lack of response FROM TRANSUNION regarding my report investigation into discrepancies on my credit report. I cant believe you guys are taking advantage of me. I AM VERY UPSET. The credit bureaus have not responded back to me about my investigation. I sent a letter and it has been more than 60 days outlining the issues.. I need these accounts deleted. These are the items XXXX demanding to be deleted immediately : XXXX XXXX XXXX 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 reporting or other personal consumer reports

To Whom It May Concern, Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. 
As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. 
According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C.S 1681 et seq., including but not limited to : 1 ) follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S. C.1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permIssible purpose to obtain consumer credit file pursuant to 15 U.S.C . $ 1681b ; 4 ) Provide consumer credit file pursuant to 15 U.S.C. 1681g ; Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and ventiable proof, you must remove all unverified. invalid, derogatory information from my consumer disclosure report. 
For your convenience, I am attaching you a list of the Items you need to verify them Please correct this by the removal of these items from my consumer report. 
Upon completion of your investigation, please send a detailed description of the procedures determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information the agent conducting the said investigation in case further communication is necessary. 

XXXX 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 reporting, credit repair services, or other personal consumer reports

Every month for the last XXXX years Portfolio Recovery Assoc. has ran an Account Review inquiry { s } on my XXXX  and XXXX credit report. I do n't have an account with them, and even if I did - the XXXX year negative reporting time window would have towed. For example XXXX XXXX, XXXX Portfolio ran an AR on my XXXX report. There were two ran on my XXXX report in XX/XX/XXXX. Plus the phone calls need to stop. It is like they are waiting for me to make a large purchase or something. Please help! 

Portfolio Recovery Assoc. 
XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX
Product: Debt collection

Debt possibly resulted from identity theft as HRRG claims they are the servicing agent for a physicians group called XXXX XXXX XXXX that supposedly provides ER doctors for XXXX XXXX Hospital, which in reality they do not. Another physician group provides those services and another collection agency services that group, not HRRG. I made a mistake by giving this HRRG the last XXXX digits of my Social Security Number, as I had thought initially that this was a legitimate collection agency and/or company. They are trying to collect {$1100.00} on a date that services were provided by XXXX XXXX Hospital ER and they claim they are acting as the physicians clearing house for filing medical claims as well as a collection company for their clients. HRRG claims they filed insurance claims with both XXXX and XXXX XXXX insurance, insurance I do n't even own, and the claims were both denied and now they are attempting to collect a debt, that I do not owe. I have contacted every medical company and group involved in this claim and none of them do business with HRRG and none of them use HRRG for collection. XXXX XXXX Hospital billing department has never heard of them or used them. This is a bogus fraudulent claim and a scam and these people need to be shut down and go to jail.
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Product: Debt collection

A company named, Credit Corp Solutions Inc. on a debt for {$720.00}. They recently started calling me in XXXX, and now theyve been calling me seems like back after back since XXXX. On XX/XX/XXXX, around afternoon time, one of their employees called me again, asking for the debt of {$720.00}. I informed this employee that they just called me and I told them the same thing, I dont have a job or any money. The employee goes on about me paying the debt and she had an attitude and aggression towards me. She said that they have to keep calling me, and I went on to tell her that nothing going to change, I dont have a job or money, and she continues to go back and forth with me stating that they are still going to keep calling me and they I dont have to have to argue with her. As I was talking to her, she hangs up in my face, even though she was the one that called me. I then called back to report her and the manager got on the phone. The manager mentioned that they are not harassing me, even though i told them they are. She said they are not violating the FDCPA by calling me so many times. The manager didnt bring up about how I said her employee was being rude she talked mostly about how me not paying this will effect my credit negatively and I need to pay and this isnt harassment. This company has caused me much emotional distress and has not done anything about the employee harassing me and continuing to call my phone. The manager then ignored me and stop talking to me as Im trying to report the employee that was rude to me. In the end, I received no help from this company. I also, have a recording of my conversation with the manager.
Product: Credit reporting or other personal consumer reports

Once again closing this with no fix can't fix my account but pushing hundreds of worthless credit cards
Product: Credit card or prepaid card

I needed my online account unlocked, but was told I have to have a PC. I said I do not have one, only mobile, and followed directions to the desktop version on my mobile phone. The directions did n't work and I told the rep that without electronic access, I would need to close the account. I was then told there would be an annual fee and service charges for closing the account. I stated that I had never been charged an annual fee. I was also told I would lose store discounts and could never have another account. The rep closed the account, but I felt threatened and do not know what extra fees I  may  have on my final bill. I do n't think I should be charged service fees for closing my account. I spoke with the company today and attempted to call the corporate office. They have not called back yet.
Product: Credit reporting or other personal consumer reports

I have attached a letter where I discovered how TransUnion is reporting accounts that have not been properly verified. I know this because of XXXX XXXX XXXX  securitization practices and I want proof that my accounts are still owned solely by XXXX  XXXX. I asked for a chain of title. Also if the accounts were sold that would be a violation of privacy according to Gramm Leach Bliley Act. Also payment history is incomplete. I dont understand why these accounts have not been removed from my credit report with all these inaccuracies. TransUnion must conduct a MEANINGFUL verification and provide the information I request in my letter.
Product: Vehicle loan or lease

On XX/XX/XXXX, XXXX days after I made the required monthly payment of {$500.00} on XX/XX/XXXX, I called Santander and asked if I could make an additional payment for {$500.00} towards the principle. They said I could and even helped me go online to make the payment. I asked several times during the call and was promised that the payment would go entirely towards the principle. It did not. On the XXXX I called them back to show that the statement reflected the payment of {$470.00} towards the principle and {$21.00} went towards the interest. They connected me to a supervisor who promised to return the {$21.00} to the principle. As of today XXXX they have not adjusted the {$21.00}. There is no option on the website to make a payment solely towards the principle. The seems like a scam to rip their customers off. I was told by Santander that if i made additional payment on dates other than the date due I would have interest taken out of extra payments even if I didn't want them to do it. They claim I would have to call each time I did that to get the interest refunded. This is fraudulent behavior as I am paying towards my principle and clearly stating I don't want any of it applied towards the interest. Who can I contact to claim fraud by Santander or do I need to go to small claims court?
Product: Credit reporting

I have filed a dispute twice with Experian advising them that information reported by XXXX XXXX is not correct and should be removed. This is common sense. In XXXX XXXX I took a {$56000.00} loan to buy a truck. It was a 42 month loan. I defaulted on the loan. That we all agree on that, but XXXX does not report a " date of first delinquency '' at all and reports a charge off date of XXXX XXXX and paid as agreed XXXX XXXX. So I submitted a dispute twice to Experian questioning 1. How could I have first been late starting the 7 year clock XXXX XXXX when the maximum maturity of the loan would have been XXXX XXXX. Remember the loan is 42 months. XXXX XXXX plus 42 months is XXXX XXXX. No one can be late in the XXXX year of a 3yr loan. That 's nonsense on its face. Also in the Experian file the payment history is marked paid as agreed XXXX XXXX and charged off XXXX XXXX. Does anyone believe a loan can go from paid as agreed to charged off in one month? But as I mentioned earlier, these dates are nonsense because the loan was 42 months. XXXX XXXX would be the XXXX month of a 42 month loan. But in any case that point is almost moot because the law requires the clock to start at the date of first delinquency not the charge off date. I ask Experian about the XXXX and XXXX history because that is material to my dispute and they admit they do n't know. They are in clear violation of the law because the information they have makes no sense, its incomplete or either unverifiable. I seek immediate removal of this information.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank- XXXX 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 andantes 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 believe that the information is inaccurate.