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

To whom it may concern, My name is XXXX XXXX and I'm reaching out to you regarding my auto loan bank. The bank, XXXX XXXX, for my XXXX  XXXX XXXX auto loan did not fix the problem which they created themself in the first place. 
At the beginning XXXX XXXX had issue with my insurance when, in fact, I did have coverage on my vehicle the entire time of the loan. Then XXXX XXXX blocked the access to my online account and didn't cash out the checks I sent via mail for my car payments and put my auto loan into repossession. 
I've tried reaching out to the management of the XXXX XXXX but the representatives told me that the management would not be able to help but told me to buy their insurance for the previous months in order to take my auto loan out of repossession. 
It was very frustrating because for the entire time of my loan I had insurance coverage for my car. This all was happening during the time XXXX hit our country and some of my family member were sick which made things even worse. 
I fought with them over a couple of months and they finally admitted that it was a mistake in their system. XXXX XXXX confirmed that I indeed had coverage for the entire time of my auto loan. They rolled back all the extra fees and let me become current on my loan. 
XXXX XXXX, DID NOT FIX MY CREDIT REPORT which they promised to, my credit depleted because of this dispute and I reached out to all credit bureaus and they told me that XXXX XXXX has to fix it on their end. 
Since then 4-5 months passed and XXXX XXXX took no action. It is extremely difficult to reach out to them and in order to fix this problem. 

Would please reach out to XXXX XXXX for their wrongdoing and ruining my credit without fixing it and have them fix my credit report. If you are able to see my credit report, you can see that I was never late on any of my payments. 

Thank you, XXXX XXXX XXXX
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and creditso was unf dy charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit card

I paid the total balance owed {$310.00} on my Citi Bank/Home Depot account . The funds have been released from my checking account on XXXX  Citi Bank/Home Depot is stating theres a 13 day hold before funds on available credit line are released. This is unacceptable when Citi Bank/Home Depot has already been paid in full. It make absolutely no sense why they are including a hold on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've open 3 dispute with Experian Credit Bureau, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, from a XXXX XXXX XXXX XXXX. I began to get suspicious every time results came back as " debt verified ''. Considering I've conducted my own research and realize that the company XXXX  " no longer '' report to any credit bureaus, and the account in questions is listed as " paid-off and closed ''. This was confirmed by a voice recording ( permission granted ) and was conveyed to Experian of the such and, the only response from them were XXXX XXXX verified the same account number we have on file ... are you serious. After I explain to Experian, that supervisors XXXX and several representatives stated they would send confirmation of debt. On XX/XX/XXXX, I recieved a copy of ( see attached doc ) something that look like a child went into the computer and printed, my name, a account number, NOT from original creditor..and this is what Experian says is XXXX verifiable '' information. Therefore, I questioned Experian as to the back and forth as well the validity of XXXX XXXX not being truthful. I've spoken to 15 representative since Thursday XX/XX/XXXX, requested to speak twice to speak with supervisors. Until today no feedback, today even I've called corporate to try to speak with someone on the " lack their of '' ensuring that a Credit Bureau is assuring the consumer that information is really being verified. Considering, while speaking with reps and their were loud noises, dogs barking, reps answering cell phone, no wonder why this item is STILL on my credit report. Upon submitting a " certified validation letter '' to XXXX XXXX and have communicated this to Experian for XXXX XXXX to original documentation, Experian states well they ( XXXX ) would have to delete debt off credit file. All the back and forth, with both companies it's CLEAR this debt can not be VERIFIED and I'm in this tog of war with who did, who said. Fair Debt Collection act states if debt CAN NOT be VERIFIED it MUST COME OFF!!! ... why all the " UNPROFESSIONAL '' on Experian not to uphold and delete this item. After reviewing complaints online both Experian and XXXX XXXX, have many many complaints on this same issue ... ... This is exhausting ...
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/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

This account was related to my XXXXXXXX XXXX  XXXX credit. I am disputing the inaccurate information listed on my Transunion and XXXX credit reports. XXXX XXXX XXXX  is the reporting party for XXXXXXXX XXXX XXXXXXXX has sent inaccurate info to the two listed Bureaus. 
I will list the inaccurate information topics that are on my credit report. 
My report has : Date of last activity : Transunion has a date ofXXXX XXXX has the date of XX/XX/XXXX Date account opened : Transunion has a date of XX/XX/XXXX XXXX has the date of XX/XX/XXXX Date account closed Transunion has a date of XX/XX/XXXX XXXX has no date Neither Transunion or XXXX have a First date of Delinquency I have spoken to XXXX  XXXX XXXX as well as both Transunion and XXXX to discuss the inaccurate info on my credit report. I would like the account to be deleted or to be changed to paid as agreed with no late payments. I have asked XXXX XXXX XXXX  to send me the documentations containing the above listed dates with regards to the above topics. In talking to XXXX XXXX XXXX  I was verbally advised that dates are different with the two bureaus but that is based solely on credit bureaus inputting. I spoke to both bureaus and they advised me that they only input the info given to them. I would like to know why dates of the above topics are different with each bureau. I have attempted to fix the issue with all parties involved.
Product: Debt collection

I have updated information for the complaint with Affirm. The complaint # is XXXX. On XXXX Affirm received the following document via certified mail with a green return receipt which they signed for. A cease and desist which required debt validation for the consumer credit transaction which resulted in an account being opened and closed. Affirm stated I allegedly owed a debt for this consumer credit transaction which is fraud. Affirm had 30 days to respond to my cease and desist which required debt validation and specifies they cease all communication through any medium with me and any third parties such as consumer reporting agencies which they have not. This a direct violation of my rights under the FDCPA 15 USC 1692 ( g ). They are reporting inaccurate information on my consumer reports and have denied me access to my credit which is discrimination and violates my rights under the FCRA 1681 and the XXXX 15 USC 1691. On XXXX Affirm sent me an addressed envelope to a name that is not mines with documents without my signature and stated it was validation of a debt. This is fraud. These actions directly violate several federal consumer protection laws. I have attached copies of all documents that was sent and received.
Product: Credit reporting or other personal consumer reports

I didnt authorize any of these inquiries : XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX CREDCO Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX + Television & Radio CREDCO Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Unions XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies 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 + All Banks XXXX  Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion failed to comply with 15 USC 1681s-2 ( b ). TransUnion is civilly liable under 15 USC 1681 ( n ) ( i ) On XX/XX/XXXX a dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

TransUnion failed to conduct a reasonable procedure by their own industry standard of Metro 2. TransUnion failed the Metro 2 standard requirement to report the full XXXX  a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

TransUnion failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. TransUnion failed to report consecutive 24 months of payment history. Failing to report XX/XX/XXXX presents willful noncompliance. 
I

n conclusion, TransUnion has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits. Therefore under 15 USC 1681n TransUnion is liable for actual damages, {$1000.00} violation and punitive damages.
Product: Credit card or prepaid card

1. Issue number one is that XXXX billed my credit card without my authorization. The Department of Veterans Affairs ( VA ) has been paying for my XXXX subscription for the past two years. I tried to renew through the VA for 2023 but XXXX told me that I could not renew my premium account while it was still active. I was not planning to renew out-of-pocket because I could not afford it. However, I had forgotten that XXXX had my credit card number from a prior subscription. XXXX billed that credit card and has refused to reimburse me. This is a joint credit card with my wife being the primary user. My wife, XXXX, filed a dispute with Ollo Card Services but the dispute was denied.

2. Issue number two is that Ollo Card Services submitted this information to the Credit Bureaus which caused our credit scores to drop.
Product: Debt collection

Continues to text/call me an d my family asking for location information on myself. Robo calls with no information but to call the number left so I can be located this has been going on for months. I am sick of myself and my family getting harassed.
Product: Credit reporting or other personal consumer reports

XXXX. Incorrect credit reporting regarding XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX. Incorrect credit reporting : MIDLAND CREDIT MANAGEMENT Original Creditor : XXXX XXXX XXXX ) Note : Both were disputed but the credit bureaus failed to put that it was disputed under FCRA laws. They reported disputed by individual therefore this was incorrectly disputed and after contacting them they would not provide any further explanation nor information.
Product: Credit reporting or other personal consumer reports

Please, on several occasions I have contacted the transunion and XXXX agencies because I have some questions that I never authorize the companies to obtain my credit report, and they say they can not help me, these are the questions I am referring to : XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

All debts reported by Experian and all reporting agencies are non-existent. I am a Social Security benefit recipient since 2004 and I receive free medical care through XXXX prior to 2004. Any charges greater than XXXX approves are not valid. The decision to pay is made jointly by XXXX & myself, the patient in this case. There is no argument that any medical or related services or products unpaid by XXXX are unauthorized and not valid. The patient ( myself ) did not agree to these products or services at any time. In a Court ordered evaluation the final determination as to payment is made by a consult of patient and Judicial, and then answered by XXXX. Malpractice in medicine is a crime against humanity. Judgments made by emergency room physician ( s ) can never be considered sound. When there is agreement as to unnecessary use of medical products and services, we do not reimburse the physician due to grave hardships which include death ( s ) of the patient. .All medical emergency cases are equal in nature. Regarding medical practices other than emergencies, persons have the right to pursue happiness, but they must be CONSENTING ADULTS. I AM NOT A CONSENTING ADULT IN ANY PRACTICES OTHER THAN EMERGENCY LIFE, IN WHICH CASE I AM PROVIDED FOR BY MY FAMILY OF DOCTORS AND THEIR PRODUCTS ONLY. IT IS NOT POSSIBLE TO APPROVE ANY PAID EMERGENCY TREATMENTS OTHER THAN THOSE ENFORCED BY THE CIRCUIT COURT SYSTEMS FOR EVALUATIONS ON CRIMINAL TRIAL MATTERS. TRIAL EVALUATIONS DO NOT REQUIRE TREATMENT, I.E. THEY ARE A BRIEF INTERVIEW ABOUT COMPETANCY AND ARE SERVED IN THE PRIVATE OFFICES OF AUTHORISED CONSULTS.
Product: Mortgage

- XX/XX/XXXX Loan funded/started for a XXXX - XXXX, I removed the included walls-in insurance from escrow and decided to manage it outside of escrow to account for changes in the insurance market. 
- Have never been late on mortgage- Have never had a lapse in coverage and insurance renews and is pre-paid for the entire year annually in XXXX - XX/XX/XXXX, escrow analysis was performed and they added back insurance into my escrow with XXXX notice before additional {$260.00} was debited from my bank account monthly. 
- Called to dispute, explained situation that insurance has been ( for years ) fully funded outside of escrow. 
- XX/XX/XXXX, send demand letter to NewRez demanding to remove the insurance escrow and to refund additional monies overpaid as it was both placed fraudulently and never authorized by me. 
XX/XX/XXXX, Newrez performed new escrow analysis and recalculated the escrow payments, removing the insurance escrow, but refuses to refund the additional monies fraudulently taken from my bank account. 
XX/XX/XXXX, Newrez send an account update to credit unions in retaliation for my demand to refund my monies saying 'consumer disputes account ' - this result has caused an 18 point drop in my credit score. I do not dispute the account, I demand to be made whole.
Product: Credit card or prepaid card

On XX/XX/XXXX I attempted to get a new card from XXXX credit card services and 3 weeks later it NEVER came. I called and requested another card on XX/XX/XXXX and still has not come thru the mail. Also, I had not used my XXXX credit card since XXXX of this year and I paid it every month, and ON TIME, yet a few times that i attempted to use it at the checkout, the individual would say, " its been declined '' and that is the reason why I had NOT used it since XXXX of this year. 
A similar occurrence happened with my Barclay credit card. And on another event I received my statements from Barclay credit card with the numbers on the pages missing, for instance I received 6 pages, in which, several pages were missing. They were numbered like so, 1 of 1 ... 2 of 2..3 of 3 and so on ; however, 3, 4, and 5 were missing from my Barclay credit card statements. Not only that but the several times that i called in to make a payment, with BOTH Barclay credit card AND XXXX credit card, it was not usual protocol that I'm normally used to and the individuals on the other line sounded very suspicious ; also in the way they handled the phone call. Not protocol. Tell your XXXX that are on your team running the show behind the scenes in America, that I said, " XXXX XXXX XXXX!!!!!!!!!!!!!!!!! '' Thank yoo, sincerely yours, XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I took out a personal loan with XXXX XXXX in XX/XX/XXXX. I wasn't able to continue paying the high monthly payments. Eventually, my loan was charged off. On XX/XX/XXXX, I received a letter from Forster and Garbus informing me that they are taking over collecting on the loan. I do not want to deal with Forster and Garbus because several years ago they filed a judgment against me for a different debt. They sent court documents to me several weeks after the court date, which I wasn't able to appear in person due to them sending me court papers after the fact. Furthermore, without prior notice they had placed a bank levy on my account and began garnishing my wages. In addition, they had harassed me with calls. Forster and Garbus has had many lawsuits because of their illegal debt collection practices. I am very, very concerned that Forster and Garbus will continue their illegal tactics and I won't have an opportunity to defend myself as I have learned from previous experience.

Please assist me as I am extremely concerned that Forster and Garbus will take action against me without giving me the chance to respond. I am hoping that this debt can be eliminated and Forster and Garbus can be investigated because of their unfair practices. 

Please assist me. 

Thank you.
Product: Mortgage

My mortgage company incorrectly sent a payment to an insurance company that does not ensure the property that they hold the mortgage for. They basically double-paid for another policy. They used a policy number and amount that correspond to a different policy. They incorrectly paid {$3300.00} out of my escrow account and now won't refund or get the money back. please see attached the policy number does not match this address.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX, and 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FLXXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, XXXX; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX to my XXXX XXXX credit card in XX/XX/XXXX. This was supposed to pay off my card and the company was supposed to remove numerous late fees due to them mailing things to the wrong address and I was not able to get the online login to work. Now they have sent the account to XXXX XXXX and when I disputed it XXXX forwarded me a statement from XX/XX/XXXX. There were no purchases made after the payment in XX/XX/XXXX as I was told the account was closed. They have now been erroneously reporting this and destroying my credit score as this is the ONLY negative account. I am herby demanding that this be removed from my credit report with a credit blast occurring that shows it PAID IN XX/XX/XXXX. 

Thank you