23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account number : XXXX, This account was reported as a collection/charge off and is affecting my score negatively. The reporting of this account is incorrect as I still see a balance after it was chargeoff. I urge your gency to reinvestigate and provide all the missing information. Also, please explain why there is a past due balance sporting while the report show as a chargeoff? I'm pretty sure you know that it is a violation. I demand the immediate eletion of this account to ensure that your agency is reporting full and only complete information on my account.
Product: Credit card

I have been with Bank of America for XXXX years. 
I recently ordered a new credit card. 
I tried to make a purchase on XXXX and got a fraud alert on my phone. 
I approved I made the transaction and was told to make it again Again card is blocked and I had to call fraud Fraud released my card AND TOLD ME I SHOULD TRY AGAIN. 
again, the bank blocked my card but now demanded I got to a branch physically. 

I called a supervisor in the morning then they released the card. 

Then I went to XXXX XXXX to make the purchase again. Physically this time, with my credit card, XXXX XXXX and my ID. 
Again my card is blocked Again I answer yes it was me on the phone Again its blocked. 
Again I call fraud explain the situation. 
Again, THEY GIVE ME BAD INFORMATION AND TELL ME TO USE THE CARD. 
Again bank blocks my account and this time blocks my online banking. 
Forcing me to go to the bank. 
I go to the bank thinking itll be a quick process. I spent apporx XXXX HOURS (!!!!! ) in the branch to get the matter resolved. 
We make sure everything is ok. 
Only to have MY ACCOUNT BLOCKED AGAIN. 
Fraud refusing to tell me why my account was blocked telling me no one is allowed to talk to me until I go to the bank. 
BANK TREATS ME POORLY TELL ME TO WAIT IN LINE AFTER ALL THR CUSTOMERS DESPITE THE FACT I HAVE TO LEAVE FOR XXXX WEEKS THE FOLLOWING DAY. 
I SPEND XXXX (!!!!! ) MORE HOURS IN THE BRANCH. 

Initially they refuse to tell me why my account was blocked again until they finally confess that someone made a mistake and didnt document things properly that I was identified with XXXX forms of ID. 
XXXX also told that my card was blocked at XXXX XXXX since I used XXXX XXXX instead of the physical card, where their own Fraud Rep told me its ok to use the card again. 

Bank should be forced to compensate me for my time since this was their own mistakes and misinformation that lead to this chain of events, plus wasting my time twice for the same thing due to their own negligence.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

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 reporting, credit repair services, or other personal consumer reports

I have disputed numerous things with TransUnion that were in accurate. The reasoning explained Everytime. This company does not ever do anything with my disputes but dismiss them. Or doesn't make any changes when the paper work shows the proof of why I'm disputing. It took for a account to close before they even corrected my pay history, when I was reporting it was incorrect for months. One account steady shows charged off when it's not and the balance even shows I paid in full, yet they still will not removed charged off. This company does not ado anything they should be when it comes to investigation.
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 {$4900.00}. 
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. 

-- OPEN ACCOUNT 1. XXXX  XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account.
Product: Debt collection

I went to XXXX XXXX XXXX system on XX/XX/XXXX. I had an XXXX, I walked in and check in at the front receptionist desk, sat down, and by the time they called me to the back to see the doctor the XXXX  had XXXX, so I informed them that I no longer needed medical services, I signed a letter stating I was refusing medical services and I then walked out of hospital. The following month, XX/XX/XXXX, I received a bill for {$150.00} in the mail from XXXX XXXX XXXX system from that hospital visit. I immediately contacted the hospital billing department and let them know what happened on XX/XX/XXXX, the lady informed me she would make a note in system to retract the bill and as long as I didn't receive a bill the following month everything would be cleared. I even called to do a follow-up call 2 weeks after initial phone call and I was informed the same thing, it had been cleared in system and not to worry about the bill. I was under the assumption that information was correct until I received a notice for a collection account on my credit report from XXXX on behalf of XXXX XXXX on XXXX XXXX pertaining to the hospital visit on XX/XX/XXXX. 
I never received any additional bills from XXXX XXXX after I made the initial phone call pertaining to the hospital visit on XX/XX/XXXX. Never received any notice that the account was past due and being turned over to a collection agency. The only notifications I got about the account was when the collection was added to my credit report. I immediately contacted XXXX XXXX and informed them of collection account and how I was not properly informed about an outstanding bill since I had spoke to a billing representative in XX/XX/XXXX. I questioned the representative about what was I billed for, what services were performed on me since I refused service. I was informed that I was charged {$150.00} simply because I walked in the hospital even though no medical services were performed on me because I refused ANY medical services. 
I sent a medical debt validation letter 1st to XXXX, and they simply responded that account was verified from XXXX XXXX. I then contacted the 3 credit bureaus sending debt validations letters to all 3 XXXX, XXXX, and XXXX. I explained the situation in my letter and the account was deleted from XXXX and XXXX. XXXX  simply responded the account was verified. I then sent 3 more additional letters to XXXX  explaining situation and informing them that the account was unverified and deleted on my XXXX XX/XX/XXXX and XXXX XX/XX/XXXX credit file and requested that the account be deleted from my XXXX  report. After 3 letters and numerous calls, the account still remains on my XXXX  report. 
I have attached all of the letters I received and the letters that I sent out and the responses I received.
Product: Credit reporting or other personal consumer reports

This account was reported under a different name and was never authorized or tied to my current legal identity. I dont recall opening it, and Kikoff did not provide any valid proof that I did. The documents they provided show payments under the name XXXX XXXX, which further confirms this is not my account. Kikoff sent this payment receipt to my current email, despite the account being under someone elses name. Im asking the CFPB to help get this account removed from my credit report due to incorrect reporting and identity mismatch.
Product: Debt collection

Noncompliance with Order of Discharge of personal XXXX XXXX bankruptcy.
Product: Mortgage

My previous complaint was # XXXX. I finally got the forms needed. This complaint addresses an inquiry that was not addressed with my last complaint. The total amount owed to Selene Financial is ~ {$50000.00} higher than it should be. I consulted with a financial agent with XXXX, and he highly recommended that I order a payment history of the entire loan since purchased in XXXX. This hasn't been done, even though requested from Selene Financial, because the loan was sold numerous times. Why ...? The sale price was {$160000.00}, I paid a cash deposit of {$45.00}, had good credit, charged 8.69 % ( why...? ) and pulled out {$50000.00} at closing. The XXXX rep still said the numbers don't make sense, and for me to have this investigated. Current XX/XX/23 mortgage statement shows outstanding balance of {$170000.00} and deferred balance of {$76000.00} plus fees, etc. Can you please help to resolve this matter. This appears to be a predatory loan/discriminatory financial situation. I will send my statement upon your request. I am being harassed by the mortgage company, threatening to foreclose, even though I have been approved for {$60000.00} by the MD. Homeowners Assistance Fund towards paying the rears. I recently send in an application for a modification for ~ {$25000.00} from Selene Financial, waiting for a response. Thank you.
Product: Payday loan, title loan, or personal loan

I pay my loan every month through the Avant app. I pay more than the minimum, and always pay ahead of time with no issues. 
There was something that went wrong in the app. Basically, it made two payments instead of one. I could conjecture about how that happened, but that seems pointless.

I got home from work and checked my email, noticing there were two emails from Avant confirming payment. I immediately called so they could cancel one of them.

I was told they can't do that because the payment hadn't finished processing yet. I asked how that made any sense, and got a lot of run around. First they couldn't do anything because it hadn't processed, then they couldn't cancel it because it had processed, round and round.

I finally spoke to a supervisor that told me she would escalate my situation to the refund department. But that any refund could take up to three weeks to process, I told her that was unacceptable but she didn't seem to care one way or the other.. 
This was on XX/XX/XXXX. 
On XX/XX/XXXX, I called back to inquire about the status of my refund, and was told it was rejected ( no reason provided except for " the system declined it '' ), but that the second payment was applied to my next month 's payment. 
I told her that was unacceptable, as I only get paid once a month and need that money to survive. 
She told me I would have a supervisor  call me back within an hour. 
This didn't happen. 
I've attempted to call back several times, each time they get as far as asking what i need a supervisor for, and then conveniently seem to lose signal. 
This is the first issue I've ever had with Avant, and I have to say their response was atrocious.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to transunion and my mortgage lender ( pennymac services ) about my mortgage loan not being reported to my transunion. Nothing is being fixed. I've waited more than 60 days. I've had the loan for 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is Transunions duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. Transunion is reporting an inaccurate late payment for the XXXX account ending in XXXX. This is a XXXX late payment posted on XX/XX/2022. This is incorrect and is required to be reported as PAID AS AGREED. 
Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in Transunion violating my federally protected consumer rights. 
Additionally, I did not give Transunion written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Payday loan, title loan, or personal loan

On or about XX/XX/XXXX as a member of the Navy Federal Credit Union since XXXX. I applied for a loan and was denied. Being a 100 % service connected veteran, I thought I could always count on my credit union. I have had over {$5000.00} deposited into my account within the last three months. I am desperately trying to pay my bills off. But when I need help from the bank I entrust with my direct deposits every month for over 35 years and get DENIED, that seems so unfair. The credit union has trusted me on previous occasions to approve and pay back a loan, but they are NEVER there when times get rough. I have paid every loan that I have received and even increased my credit scores. This is a depressing move for a veteran with XXXX in need of financial assistance to stay sane. 

Blessings and Thank You, XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was leaked and therefore my social security is compromised.
Product: Credit reporting or other personal consumer reports

Hey I am writing to dispute the following information on my report. 
This item 1. Account XXXX XXXX  XXXX Account number : XXXX And 2. Acount XXXX XXXX XXXX Account number : XXXX is inaccurate because I have never opened an account with the creditor I filed an police reports and an identity theft report and sent out to Experian I also asked Experian for steps use to validate this account several times and the original contracts between me and the original creditor agreement with my signature neither Experian nor the original creditors were able to do so the last several months Experian Violated my rights under The FCRA by not following the basic Laws. I am requesting that this item be removed immediately from my credit report. 

Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681 ; ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 ( 15 USC 1681 ], there should be no charge for this report. 
If you have any questions or need additional information, please contact me at the address noted above. 
Also, I would like to remind you, using the E-Oscar method to verify this debt, which you are aware of, is against the FRCA guidelines. Please also include in your own reply the method used to " verify '' the debt you claim I owe *******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******** I am Damaged Mentally and physically do the inaccurate information being reported!
Product: Mortgage

I just got a new mortgage provider and was looking forward to making bi-weekly payments instead of monthly payment so I could pay down the loan quicker and better connect my payments to my bi-weekly paycheck. But my mortgage provider wants me to pay a {$150.00} setup fee. I do n't think it 's fair to charge me for this pay structure which can help me save money.
Product: Credit reporting or other personal consumer reports

I did not authorize any of these inquiries that are on my TransUnion report. 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 reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Cedit 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 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 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 cosumer reporting agency can not furnish a account without my written instructions U S C 1681 c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than 7 years 15U.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 resonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect address and information listed on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 the amount XXXX put a Collection on my credit from a company that I have never done business with. Know contract has been provide with Signature no copy of ID or Soical Security Number provided. Per 609 of the Fair Credit Reporting Act. The Credit Reporting Agency can't provide me their method of verification and a copy of the Reporting Company signed contract between them and I before this account was Reported on Credit File the Reporting Agency must have a copy of the said documents on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting with this complaint that the following inaccurate items be removed from my credit report. The items are not mine and are causing me financial distress because of their derogatory information XXXX XXXX CO XXXX
Product: Debt collection

I received a voicemail that didn't state it was an attempt to collect a debt in this voicemail. XXXX stated that she needed information " before I move forward ''. 
I have never received any letter or any information from them until this voicemail. They've never left a message until today. 
I called the company, XXXX XXXX and they said they had a loan of mine. I explained my situation, that I've been out of work for 2 years, and instead of trying to work with me, XXXX was rude and said, " Well I'll just send it off to the creditor as a refusal '' I said I wasn't trying to refuse, I just need some help. She put me on hold and then a man came on, XXXX. He was condescending. Making me feel so cheap and belittling me. He asked about my address, then pulled up information on the place I am staying, family is paying the rent, and read me off the name of my landlord and the mortgage on the property. He had pulled up my social media information as well. 
They were so rude, threatening to send it off to the creditor as a refusal. They aren't willing to work with me on a payment I could afford. They're giving me until Friday and then sending it off. Their tactics were horrendous. This company needs to be looked into.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/year> I see this hard inquiry in my credit report that Ido n't recognize
Product: Debt collection

LVNV FUNDING # XXXX This account can not have a past due balance as there is no agreement between collection agency and myself. Please remove this inaccurate information. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a direct violation of so many U.S. codes and ethics. I was in covid forbearance with M & T bank and was told there would be no negative reporting to my credit report. Well on XXXX XXXX they reported negative marks on my credit report which has in turned caused me and my credit a lot of damage. Right in the middle of a work out they violate my consumer rights this way. We have already decided to obtain counsel and file suit against M & T because this has caused damage to my credit in such a negative way. This direct violation of 15 USC 1681a ( k ) ( XXXX ).
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. 

1, XXXX XXXX XXXX XXXX 2, XXXX XXXX XXXX XXXX 3, XXXX XXXX XXXX XXXX 4, XXXXXXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. States I have a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.