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

Dear Sir or Madam, We went to florida on XX/XX/2018 for a visit to our family, we rented a car with XXXX car rental XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX. we go to fl every year at least 4/5 times a year, and because of that we have our XXXX ( to pay for the tolls ) when we arrived to pick up the car, we told XXXX that we have our own XXXX, that we don't require their service, so they said ok, you have to sign and decline acknowledgement, so we did, because we had our own, so we register the car with our XXXX, and we paid all our tolls during our trip to Florida. We returned that car and all was good. when we got back home, we call XXXX because, the deposit of {$250.00} was not there, and it was already more than 4 weeks, so they said, sorry we will give you your money back in a few days. Sorry for the delay, but they only give us {$74.00} out of the {$250.00} because they said that they collected {$170.00} for tolls service?? I told them that's I mistake Sr. we agree that we were going to use our own XXXX and we declined yours, and we paid for all our tolls, i have the proof that we did, but they did not care they said too bad we charging you and we are not giving you the money back. So I put i dispute with citi card, and they are not able to fix this, i submitted all the proof, XXXX statement proving that I paid all the tolls, proof of declining the XXXX with them, and still they can give me my money back. they are a scam, ( XXXX ) everyone is complaining about them but nobody is doing anything about this. Please help. Thanks, XXXX XXXX
Product: Mortgage

On XX/XX/2022 a denial letter was sent to me after I applied for consumer credit. I have reason to believe, and do so believe I have been discriminated against. I am an applicant exercising my rights under the Consumer Credit Protection Act.

Loan is not defined in the federal laws that protect consumer credit. I never applied for a loan, I gave my credit card information, to extend credit as the original creditor, giving Rocket Mortgage access to my open-ended consumer credit plan for my benefit. My credit card is connected to my open-ended consumer credit plan pursuant to 15 USC 1602 ( j ).

My Social Security Number is not for identification, it is in fact a credit card defined by federal consumer credit protection laws pursuant to 15 USC 1602 ( l ). You used my credit card to get information from someone other than me to deny me of my right credit. 

Use of my credit card in which I receive no benefit, is unauthorized use of my credit card pursuant to 15 USC 1602 ( p ). You have violated federal law, and have caused me damages with your violations.

You have an opportunity to fix your wrongdoing, by approving the requested amount in the application. If you fail to do what I requested, I will have no other option but to file a complaint against your Truth in Lending violations. These laws are public and violations will be considered to be wilful and knowing, the civil liability of Truth in Lending violations are twice the finance charge.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a copy of my consumer report and noticed some accounts that do not belong to me. I have never entered into a consumer credit contract with any of these companies listed. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request evidence from these companies and they have failed to provide proof that I consented to anything. I want a full reinvestigation into these fraudulent accounts. 15 USC 1692G states that all debt collectors provide sufficient evidence to support they claim. I know I never signed anything with these companies so these accounts shall all be removed.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I checked my credit file via XXXX XXXX and noticed a new collection account with Midwest Recovery Systems, XXXX with XXXX XXXX in the amount of {$150.00}. I immediately contacted XXXX XXXX XXXX XXXX regarding this debt. Speaking with a representative, I inquired about this debt only reported with XXXX ( XXXX XXXX recent breach caused major concern ). The representative stated that this debt opened in XXXX of XXXX with XXXX XXXX and went delinquent in XX/XX/XXXX. I explained to the rep that I had n't had a XXXX XXXX account in many years and that I never initiated a loan with XXXX for an amount of {$150.00}. 

Furthermore, I explained to the rep that the recent breach with XXXX, led me to believe that this was a case of identity fraud or something of the like. I went on to explain that should I had owed XXXX, I would have received mail correspondence and phone calls regarding the matter ; I have never received a dunning letter involving this alleged debt, and that I have lived at the same address since XXXX of XXXX. The rep stated I needed to file a police report, I explained that by law, both the FCRA and FDCPA requires both the credit bureaus and collection agencies to forward a dunning letter and the original contract information with signatures validating any debt owed BEFORE a file is placed in a consumers credit file. The rep explained that they do not send dunning letters until AFTER they have spoken with a debtor. My response was that they were in violation of the FCRA and the FDCPA as that is not what the law mandates.
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$380.00} Company : XXXX XXXX XXXX XXXX Account XXXX : XXXX Date Open:XX/XX/XXXX Balance : {$650.00} Company : XXXX XXXX XXXX Account # XXXX Date Open:XXXX Balance : {$240.00} Company : XXXX XXXX XXXX Account # XXXX Date Open:XXXX Balance:XX/XX/XXXX Company XXXX XXXX/XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$380.00} Company : XXXX/XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$510.00}
Product: Credit reporting or other personal consumer reports

Im trying to purchase a home and Transunion is reporting OLD accounts on my credit file, and I have reached out for them to remove these items, but they will not remove these items. And according to the Law Under 15 USC 1681b, consumers have the right to dispute inaccurate or incomplete information on their credit reports, and I am exercising that right in this instance. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX
Product: Debt collection

On XX/XX/2020 Experian reported an paid, charge off account on my report
Product: Mortgage

I was on Forbearance plan during covid 19, after the covid, Loancare Mortgage Company sent me modificationon docs and my payment was {$1600.00}, I signed and notarized it, I have not heard for about 1 month, when I called them they said that there was a problem on the modification and sent me a new one, but my payment was increased to {$1700.00}, I signed and again notarized it, I again called 1 month later to find out when I was going to start paying, was informed that they again have to send me another modification because my deceased wife 's name was on it. They ups me a new modification but this time my payment increased to {$1700.00}, I demanded an explanation for increase and their answer was interest the rate was increased, however, I have had fixed interest rate, I kept it quite and managed to make 2 payments on {$1700.00}, when I called 3rd month to make a payment, they claimed that there was an error on the modification, when I asked what the error was, they failed to address the issue. When I received 4th modification I was shocked with my rate increased to {$2200.00}, of course I denied to sign that modification and asked them to put me on my regular payment, they refused, and finally they filed a forecloser on my on XX/XX/XXXX, I hired a attorney to stop the foreclosure. He managed to stop it, but during the time I wanted to pay Loancare would not take any payments from me. They finally agreed to accept {$1700.00} payment but than they wanted me to pay them {$69000.00} for no idea,. 
Finally my attorney get me an agreement that I had to pay {$41000.00} and {$1700.00} per month, my attorney did not know why I had to pay {$41000.00}. 
I wanted to refinance my mortgage but found out that although Loancare would not take payments from me as yet they reported to my 3 credit bureaus for 120 days or more late payment, I now can not even refinance my mortgage. My attorney is not a real estate attorney and helped me to certain degree. I, now need help removing derogatory from my credit report. I have a court date coming up on XX/XX/XXXXXXXX XXXX XXXX my attorney said they will foreclose my property, I do not want to loose my house, m XXXX XXXX XXXX retired and working part time, no problem paying my mortgage at all. 
Thank you.
Product: Money transfer, virtual currency, or money service

Reference ID : XXXX I received {$460.00} in my account on XX/XX/XXXX. My account was limited and I had to wait XXXX. I received an email stating my account is eligible for withdrawal. I tried adding my new bank account and credit card and, was n't able too.Check request is not an available option.I called customer service and which they requested me to upload the new bank statement and ID so they can add the bank on their end since the bank on file is no longer active. They stated they not able to issue a check. On XX/XX/XXXX I received an email stating they can not add my bank do to the limitation on the account and that I have to contact legal services for help.
Product: Credit reporting or other personal consumer reports

I reported this inaccurate inconsistent incomplete account to both credit bureaus transunion and experian for identity theft and they are still reporting this account.XXXX XXXX XXXX XXXX acount # XXXX charged off balance of {$510.00} opened XX/XX/XXXX and transunion is reporting XXXX XXXX XXXX XXXX acount # XXXX {$510.00} open date XXXX.i recieved an alert from. XXXX the account was XXXX  to open date of XXXXand balance changed to {$500.00} I reached out to XXXX XXXX XXXX XXXX and spoke to XXXX  on XX/XX/XXXX to ask them to please stop reporting this inaccurate inconsistent incomplete account to the credit bureaus and she hung up on me saying that this account wasn't the result of idenity theft and hung up on me.i filed a report with ftc in regards to me not knowing about this account and am attaching the report as proof.please stop violating my federally protected rights under 15u.s.c1681.delete account immediately.also I emailed the president this morning to help me.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Consumer Portfoilio Services Filed a false XXXX to the IRS claiming a debt that was not theirs
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. These unauthorized inquiries need to be deleted and are listed in the report.I am a victim of identity theft. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent out letters challenging incorrect information on my credit report In accordance with the Fair Credit Reporting Act XXXX XXXX : Account number : XXXX, XXXX. 
XXXX : Account number : XXXX PROFESSIONAL PLACEMENT Account number : XXXX XXXX XXXX XXXX ASSOCIATES Account number : XXXX XXXX XXXX XXXX ASSOCIATES Account number : XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions. 

The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer, I demand the following accounts be DELETED from my consumer credit report immediately. 

The XXXX of such inaccurate and incomplete information has severely damaged my personal and credit representation of myself and has caused severe humiliation, Emotional distress, XXXX anguish, and lower FICO Scores The term " identity theft '' means fraud committed using the identifying information of another person. By you reporting my personal information, accounts that are not accurate and are misleading. You are actively committing fraud by having these items on my consumer report because I never gave the XXXX XXXX XXXX permission to report my information I have yet to see a response on my investigation sent which is another violation & its been way over XXXX days.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX Chase Card Services replied to my complaint referenced above and I have contacted XXXX and furnished a police report. XXXX has agreed to refund the fraudulent charges Chase Card Services supposedly investigated. Some charges were refunded by Chase while others were not leading me confused when I thought my account was closed with a XXXX balance. 

What will Chase do once charges are refunded back to account? Please explain the process once refund is received.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has been reporting false information on my credit report. Please refer to the attached documents.
Product: Credit card or prepaid card

I purchased Kitchen appliance package for {$4500.00} on XX/XX/22, but I am charged {$6400.00}. They split it between two credit cards {$1900.00} on my Visa with XXXX bank and {$4500.00} on my best buy visa credit card, so a total of {$6400.00} I made NUMEROUS phone calls to best buy trying to solve the issue since XX/XX/22. They realized their mistake but they never refunded the difference back to my credit card. This action caused my balance on best buy credit card to go over the limit by by {$970.00}. Also I have this large balances on both credit cards which negatively affected my credit score. Moreover, I have been charged interest on this high balances that I should not have in the first place. It has been over a month and Best Buy credit card has not given me my money back So I am writing to you to please help me
Product: Credit card or prepaid card

In XXXX of 2017 my grandma called to tell me a debt collector had called her and said I was being sued for an old payday loan. I called the XXXX number she gave me and someone claiming to be with automated accounts told me I was about to be sued unless I paid {$260.00} and some change asap. As I recal the scammer had my social security number too. I paid {$260.00} with my debit card which is a prepaid card from XXXX XXXX. 

I did not realize that was a scam until a few weeks ago when the real creditor called me and told me it had not been resolved. I looked up the {$260.00} transaction in my records and googled the XXXX number associated with the charge marked as Regional. It came up as a common scam. 

So i disputed the charge with XXXX XXXX. They came back 2 weeks later and closed the dispute telling me it had been over 120 days since the charge so they could do nothing. 

I am going to cut up my prepaid cards and not use them anymore if they are not going to even attempt to recover my stolen money.
Product: Bank account or service

I have a checking account with BBVA Compass Bank. I used my debit card two times on XXXX/XXXX/17 and the I had a loan payment of {$310.00} come out on XXXX/XXXX/17. this was a bank draft payment. the bank arranged my debit payment to cler after the bank draft payment to come out after my debits thus charging me XXXX overdraft fees. I do n't agree with them arranging payment to charge more fees. I am a single mother and I need my money. they have also charged me and extended over draft fee of {$25.00}. I am being charged over {$100.00} in fee because of their greed this need to be fixed.
Product: Checking or savings account

XXXX XXXX XXXX funds were transferred out of my account without my permission. I immediately contacted the bank and it's been in limbo because transferring out and me transferring back in after I noticed, it has caused a negative balance and the system has it caught up with itself. So I am left without until investigation is closed.
Product: Debt collection

Ability Recovery Service XXXX has called me far too many times that it is bordering on harassment and they refuse to listen to any explanation I give them because all of my student loans are in repayment plans. However they Say that they represent XXXX for a repayment of a loan that is in a repayment plan, and every time they call me they are rude and unwilling to accept the truth and their calls end with threats and an abrupt hanging up on me. And I have Explained to them many times that my student loans are in repayment plans but they refuse to listen to that or accept it - they say I am playing games and then threaten legal lawsuits. And, I do n't know why they have this but I have heard that this company buys accounts that have passed the Statute of Limitations in order to make false claims in order to make people believe that money is owed and collect money that is not owed under false pretenses. In Addition I am not even sure what loan they are talking about because they do not specify the debt type or the amount all thy said is that they had this since XXXX of 2015 and my student loans have been in repayment plans long before this time, so something is not right about this company because of the claims they make and the harassment and threats because a Professional or legitimate business would not harass or threaten people and they would be willing to listen to you instead of dismissing anything you say as excuses, lies, or games, and I have spoken with XXXX before a they said that Ability Recovery Service is not a company the school uses because they have their own service for that purpose.
Product: Mortgage

Over 50 accounts open closed most UNOTHERISED Signature is forged on multiple loan documents NOTARY not athntic the total of 4 CA Acknowlegment Docs bogus includes traced and photocopied and deed of TRUST stamp not from county clerk 's office thousands of dollars in unexplainable payee unknown deposit transfers from lines of Cridet to checking withdrawal turns into a double withdrawal OVER OVER 400k in lines of credit and rolling mortgage loans Unotherised payments jump higher and higher loan number are replaced not to be confused with a refi, OVER 900k home loans payments lost, checking account numbers changing off by 1 ending diget, unauthorized tele transfer mutilable times, failed to return notary journal to county record. See PDF for details there more but I think that 'll be enough for now. Mutilable accounts hijacked ending in over 3 million in lost of business and savings also property before the scandal. Thank You for your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX XXXX XXXX : {$1600.00}, XXXX XXXX Balance : {$1300.00}, XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am requesting to have the following information removed from my credit report due to my information being exposed in a data breach and as a result I now a victim of identity theft. I do not have any knowledge of any of the accounts listed below and would like them removed because they were opened fraudulently without my consent. 

The accounts are : XXXX Acct # XXXX {$380.00} XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX XXXXXXXX {$5.00} XXXX  XXXX {$150.00} XXXX XXXX XXXX {$300.00} I would also like the following hard inquiries removed as well : XXXX XXXX XXXX XXXX XXXX Please remove the above fraudulent accounts and hard inquiries from my credit report immediately and update credit report as well.
Product: Debt collection

I would like to make a complaint against XXXX XXXX XXXX & Remex Inc.for Opening a cllaim against me dated XX/XX/2015 that I owe {$150.00} for a service I did not use or never have I heard of this Company about any due bills.and now this issues have been given to Remex Inc . Collections to destroy my Credit without trying to contact me about the matter First.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for a proven fraudulent account to be deleted off my Transunion Credit report. It was not investigated correctly. I submitted the same dispute to XXXX  and it was DELETED. XXXX XXXX XXXX XXXX and XXXX XXXX have the proof this was fraud. Please reinvestigate as I have been trying so hard here to avoid bankruptcy. DISPUTE THAT WAS COMPLETED TODAY XX/XX/2019