23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I moved out of my apt in XXXX and I gave proper notice to the rental company 's manager that lived on site. I moved in the unit back in XXXX and the same month of XXXX. I spoke to the onsite manager that the carpeting had black spots in it and it was not new. She mentioned to me that its was not new it was cleaned. I never had any real issues in the unit but in XXXX I asked if i could have a pet and they do not allow pets so i went to my doctor and i was given a letter to allow for an emotional support animal and i gave the onsite manager a copy and from that point forward I had an issue. I had one complaint about the puppy pad on the balcony and I reframed from allowing him to go out there but it did not stop the owner of the company became furious about the animal and it just was an issue with him. So I gave my notice to the onsite manager in form of a card and I began the process of moving. I did clean the unit there was damage to the corner of the wall while moving items and the globe was missing from the kitchen. I replaced the burners and the blinds in the unit. I cleaned the unit and I gave my keys to the site manger. In XXXX of XXXX I got the move out statement and I called and requested pic of the said damages on the report the owner yelled and cussed about me having the puppy and hung up. I called right back and i said to him that i lived in that unit over 7 yrs and the appliances all worked, not one screen was damaged at all, all the yrs i have lived there never had a bug until the guy next door moved in, and why am i being charged for new carpet replacement when it was not new when i moved in there, the dishwasher worked! The owner just yelled and cussed again and gave the phone to someone else and he just read the move out statement to me and I asked for proof of the damage because it is fraudulent to bill me for damage that I did not cause. I told him that the onsite manager has never sent me a notice regarding housekeeping or damage to the unit and they exterminate once a month for seven yrs. Most of the things on the list is normal wear and tear. Only thing new in the unit was it was painted the appliances are used and the carpeting was used. Because of the abusive language from the owner I never called again until XXXX I called and spoke to a woman and I again requested pictures of all the damage and receipts showing that the dishwasher needed to be replaced. They are unable to provide me with any further information but has charged me {$3800.00} in damages.
Product: Credit reporting

I have a credit freeze on my account. FTC advice states that my report can be released to your existing creditors or to debt collectors acting on their behalf. XXXX XXXX Bank, an existing creditor, has sought my assistance in accessing my report. Despite multiple attempts & phone calls both by me & on behalf of me by the creditor, XXXX has been unhelpful in providing that access. Please assist me in helping this existing creditor have my report released. Thanks.
Product: Debt collection

Dynamic Recovery Solutions , LLC XXXX XXXX XXXX, XXXX. XXXX XXXX SC XXXX This company call on a different phone number every day and I have blocked Them and they call between XXXX XXXX and XXXX XXXX. 

The reason I do not want to speak with their rep. is that they repeat the persons personal information over the phone when they are not to before when they are in formed beforehand that the person had a identity theft of personal info. 

The telephone not secured, anyone can listen in on the conversation and use it later. This company needs to respect other peoples request when doing business Over the telephone.
Product: Checking or savings account

I have been unable to monitor my bank accounts properly for about a month due to XXXX XXXX XXXX XXXX. During this time I am not sure who had access to my cards or phone. Upon coming home I noticed that both of my bank accounts had activity in the past month that were not just recurrent payments. I filed a claim with Wells Fargo for transactions from XXXX, stating that my last known transaction was from XXXX from XXXX for an amount of {$10.00}. These small transactions over the month totaled to around {$600.00}. Wells Fargo has denied my claim and I have talked to multiple representatives who all have different reasonings for why it was denied, all of which do not makes sense. XXXX claim totaled XXXX transactions with a total of {$510.00}, another of XXXX transactions of {$120.00}, and a final XXXX of XXXX transactions of {$130.00}. The representatives were rude and disrespectful. I have spoken to all merchants involved who say I need to speak with my bank and that my account with them was hacked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I show XXXX inquires on my transnunion report that should not be and was not performed by me, I have requested by letter XX/XX/XXXX with copy of companies that they do not belong to me, they have refused to remove off report. 
XXXX/XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX refuses to remove collection reporting on my account regarding an collection account previously with XXXX XXXX XXXX. Not only is the XXXX collection account a negative impact on my credit but there is also still another account of the original creditor XXXX XXXX XXXX listed as well. Both of these reports with both XXXX  and XXXX are severely impacting my credit score which I am in the process of rebuilding. I have opened a new secured account with XXXX XXXX and have come to agreements with several past creditors and collection agencies to remove negative information so I can better my credit profile. I am making regular payments and no longer have delinquent accounts. I would appreciate it XXXX XXXX XXXX and XXXX XXXX XXXX would show the same courtesy as all of the other companies have in my efforts to improve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several complaints via CFPB about XXXX, XXXX and Equifax. I don't understand why they make it so difficult to file disputes. I have requested they open disputes via mail and online, I have also submitted documentation for these disputes. I'm attached the identity theft report, the police report and documents proving my identify to make sure these disputes are processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  sent me a new card and when they did they reported me a second account on my credit report. Its always been the same account same balance. For one year now they were reporting I was at 100 % utilization on one and then the other was accurate. After a year of impacting me I finally got the bank to send a letter to credit bureaus to remove this one from my report completely. Now all 3 bureaus are marking it closed due to fraud and now my score is down 20 pats. How is this legal I never had two accounts or separate balances. Ive now been impacted for a year this is crazy! Its like the bureaus want is to Have low scores.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXXXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Tradelines XXXX XXXX XXXX  are outdated and paid, I have asked the credit bureaus to remove these invalid tradelines because they are hurting my credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : Credit Karma, receiving calls for another financial institutions, without my consent Wrong credit report, i wasnot approved for a credit card that was saying high % of approval.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT IS OVER 7 YEARS OLD AS SHOWN ON THE DOCUMENT ATTACHED. REMOVAL OF THIS ACCOUNT IS MANDATORY.

The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to remove negative information from your credit report after seven years. This includes late payments, collections, charge-offs, repossessions, foreclosures, and settlements. The seven-year period begins on the original delinquency date.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and reported as such. And now I'm notifying the 3 major credit reporting agencies to either provide me with the Method of Verification in it's physical documentation as these accounts are being investigated, or block and remove the following accounts immediately. 

1. XXXX XXXX XXXX {$300.00} 2. XXXX XXXX {$380.00} 3. XXXX XXXX {$300.00} 4. XXXX XXXX {$700.00} 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX  8. XXXX  XXXX  9. XXXX  XXXX
Product: Debt collection

Please find attached, my Notice of Dispute and Request for Investigation of Billing ErrorValidation and Verification of Alleged Debt with F.H. Cann & Associates , Inc. dated XXXX XXXX XXXX, regarding the XXXX XXXX XXXX XXXX Account No. XXXX
Product: Credit reporting or other personal consumer reports

I received an alert to my XXXX XXXX account informing me of a hard inquiry which adversely affected my XXXX credit score. The hard inquiry was from a company called Western Finance XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I immediately attempted to contact the company but to no avail after numerous attempts. I was sent to voicemail every time. I finally selected an alternative extension and was told they were no longer accepting complaints of this nature. I reached out to a local branch representative who informed me that they have been receiving a lot of these issues lately. I obtained free copies of my credit reports via XXXX for all three credit bureaus and found additional inquiries that were not permitted by me. In my attempt to re-establish good credit, I have not applied for a loan anywhere in approximately XXXX  years, so any inquiries from at least the year XXXX  forward were not permitted by me. I immediately created accounts with all three credit bureaus : XXXX, XXXX, and XXXX and placed freezes on my accounts to hopefully prevent further compromise of my credit. I was advised to contact this agency for further advice.
Product: Debt collection

Found this collection item on my credit report. Signed over the vehicle to XXXX XXXX XXXX. Collection item is outside of California Staute of Limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I begin disputing an erroneous Bankruptcy that is on my Trans Union credit report with CFPB. Compliant # XXXX. After detailing that there should not be a bankruptcy on my report as noted by XXXX XXXX, Trans Union, responded on XX/XX/2021 to CFPB that the information had been verified and mailed me a copy noting that the Bankruptcy had been verified as well. There was no mentioned named of the entity that they used to verify the information. However, attached is a statement detailing that Tans Union does use XXXX XXXX as their verification source. Nonetheless, as you see with the attached XXXX XXXX report, there is no Bankruptcy reported on me. Therefore I ask that Trans Union immediately and permanently delete the Bankruptcy from my credit report as well as all attached accounts that they report to have been included in order to clear my credit as well as my name.
Product: Credit reporting or other personal consumer reports

Request for Immediate Correction of Errors on My Experian Credit Report To whom it may concern, I am writing to formally request the correction of multiple inaccuracies on my Experian credit report. I have noticed several errors that are not present on reports from the other credit bureaus, and I would appreciate your immediate attention to these matters. 

1. XXXX XXXXXXXX XXXX XXXX  Account : My report shows a delinquent balance of {$7000.00} on this account, but this balance has been paid and settled in full with the creditor. I initiated a dispute with Experian, but it has taken too long for this error to be corrected. 

2. XXXXXXXX XXXX XXXX Account : My report shows a balance of {$69.00} that has not been updated since XXXX. This account has a XXXX balance and has been closed by the creditor, yet the outdated and inaccurate balance remains on my report. 

3. Collection Accounts : There are three collections listed on my Experian report that have been paid in full and settled with the collection agency. These accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These discrepancies are negatively affecting my credit score, and I urge you to update my report as soon as possible. Please confirm when these corrections will be made. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Student loan

I have made repeated attempts to reapply for income-driven repayment plans in the past year while we have been XXXX. I submit the paperwork but receive no response and have been simply put on forbearance. Then payments start back up and I have to call again and go through the same process.
Product: Checking or savings account

Wednesday XX/XX/XXXX I called Wells Fargo fraud department to dispute XXXX worth of charges that were not mine charged to XXXX XXXX pretty much drained my account, I was promised a follow up within two Businees days was never called to explain my situation more in depth did not hear anything until Friday the XXXX of XXXX and just got denied with no credit back to my debit card with no evidence or follow up
Product: Checking or savings account

-On XX/XX/22 I was sitting at home when I received an email from XXXX ( point of sale system ) with an automated receipt for a purchase just made using my debit card. Since I knew I did not make this purchase, I logged onto my TD Bank account to confirm whether or not there had been a fraudlent charge made using my card. Once I logged in, I saw XXXX charges that I was completely sure I did not make, as I had not even left my neighborhood in the past week, and certainly had not visited the vendors at which charges were made. I next looked for my debit card, which was missing, as was my drivers license. 
- I called TDBank and filed a fraud claim, as well as closed the card out. The charges totaled {$200.00}. These are the charges 1- XXXX XXXX XXXX  2- XXXX XXXX XXXX {$8.00} 3- XXXX XXXX XXXX XXXX {$10.00} 4- XXXX XXXX XXXX {$140.00} 5- XXXX XXXX XXXX XXXX 6- XXXX XXXX {$11.00} 7- XXXX XXXX XXXX {$20.00} - TD Bank issued provisional credit to my account XXXX XX/XX/22 in the full amount of {$200.00} - On XX/XX/22, TD Bank reversed the credit to my account because they had denied my claim, stating " no aggressive usage or depletion of account ''. I called TD bank to receive the documents used to make such a determination and to seek closing my account, as I was told I was protected against fraud and clearly I was not. I was then advised to re-issue my claim first, so I did. Again, provisional credit was issued. 
- On XX/XX/22, TD bank alerted me that the provisional charges would be reversed and my claim was again denied, now stating the reason " card was not utilized after you notified us to close the card ''. 
- On XX/XX/22, I visited my local TD Bank in XXXX XXXX, XXXX to request to close my account because of the lack of financial protection. I also never received the documentation from the investigation I had requested. I was advised by a bank associate that I should file a police report first and file a third fraud claim with TD Bank. I did this but no provisional credit was issued, and no confirmation of the third claim has been issued. 
- On XX/XX/22 I filed a police report for the fraudulent claims at my local precinct. As instructed by the TD associate, I faxed the police incident report slip over to their fraud claims department. I then called TD to let them know I had done so. I inquired about the documentation request I had made, only to find out there was no evidence that one had ever been submitted. So I again requested documentation. There has been no response from TDBank as of today XX/XX/22.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quicken Loans hard pulled my credit report without my permission, which lead to decrease of my credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CERTIFIED CREDIT REPORT XXXX. Under the Fair Credit Reporting Act, hard inquiries require consumer authorization, and since I did not consent or provide authorization to report it, these inquiries should be removed immediately. I request that you investigate and delete these inquiries from my report. Please provide written confirmation of the removal as soon as possible.
Product: Debt collection

I have a loan with Yamaha XXXX. XXXX carries the loan.. My payment is due on the XXXX of every month. I made my payment that is due on XX/XX/XXXX on XX/XX/XXXX. In fact, I have a confirmation letter from Yamaha stating that I made a payment. I received a letter dated XX/XX/XXXX from Yamaha Financial Services stating that I am past due on my payment. When I call the original number of XXXX XXXX XXXX I'm told by recording that the loan has been transferred to Yamaha Financial Services. I've called the number ( XXXX many times this week. I've been on hold for 2 hours at a time and no one ever picks up. I called this morning right at XXXX XXXX  ( when they opened ) and the recording said the wait time is 2 minutes. 1 hour later and still on hold so I hang up. I called last night and the recording said the wait time of 10 minutes and I was on hold for 2 hours and still no answer. This has happened many times this week. An hour here, an hour there : still waiting on hold trying to have this issue resolved. I do have a confirmation that the payment was made but I can't resolve something when no one at Yamaha Financial is there to man the call. This is very frustrating to say the least.
Product: Payday loan, title loan, personal loan, or advance loan

I called to make a payment towards the principle of the loan.

I was advised that principle payments MUST be made via check or money order, in person or through the mail.

I complied. I sent money orders but on more than one occasion

USPS stated the money order was delivered but One Main Financial did not apply the payment to my account. I had to call to follow up. Each time the person stated she just received the mail but I told her it said delivered the day ( s ) before. Upset by the inconsistency I called One Main Financial customer service line NOT the branch. I made a payment towards the principle. No problems the payment was taken and applied to the principle.
I called two more times to make principle only payments but

these time the payments were applied to interest. I called both times to get the payment applied correctly. The first call was fine. I advised of the error the rep took steps to move the payment. I was directed to call the customer service as they made the error they should fix it. I called customer service the representative advised me that the payment was made to the principle. I told her that was not true. She transferred me to another rep in branch. That rep advised me that she wasnt going to do this every month. And that I was told that I must mail the payment or take the payment to the office. I told her everything listed above. The fact that I would have to follow up to make sure they applied the payment and the impracticality of me dropping off a payment. She refused to accept responsibility. She mean and unhelpful. I asked her who is her governing body. She did not answer. I asked who does One Main Financial answer to. She never supplied the I info. To make matters worse One Main Financial reported an increase to my balance owed causing a significant drop in credit score. Im actively disputing the info.
Product: Vehicle loan or lease

US Bank is not providing paper or e-statements for one of our loan accounts. When contacted on XX/XX/2022 the bank informed us it was because the loan was setup on autopay but the other loan we had with them was also on autopay and the statements were accessible. We were not provided a resolution and an " escalation '' was submitted with a promise of response within a few business days. Based on prior experience and escalations I do not believe we will receive a response or resolution to this error. This bank is in clear violation of regulations requiring periodic statements with no sense of urgency to correct the problem. This bank has a reputation of not following through or providing a resolution when issues are reported to them so I am forced to submit the complaint here in hopes that they will be held accountable.
Product: Checking or savings account

I filed a charge back claim due to the company I paid not fulfilling the contract and did not show up to complete the job they were paid to do. I did not receive the money back for the work I paid them to do that they did not complete.
Product: Credit reporting

EARLIER IN THE YEAR I CHECKED MY CREDIT REPORT AND ALL OF MY INQUIRIES WERE GONE. NOW THE INQUIRIES ARE ALL BACK ON MY CREDIT REPORT.