23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT I recently received a copy of my ( Experian, XXXX or XXXX ) consumer report, and I noticed some Transactions posted on my consumer report that is excluded my federal laws to my consumer reports! : XXXX  XXXX bank account # XXXX Reporting this late payyment from XXXX XXXX XXXX  is in violation of the FCRA and Metro2 Compliance and reporting violation. 
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS. 
Except as provided in parragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the personmaking the report ; On XX/XX/year> you reported transactions from to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet youare reporting this information to my consumer reports! 

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance! 
Provide me with the Metro2compliance disclosure on reporting transactions to a consumer reporting agency. 
I demand the transactions reported on XX/XX/year> be Deleted from my consumer reports effective immediately. 
Now before you thinkk to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. 
Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
I need the above transactions deleted from my consumer reports!
Product: Credit card or prepaid card

My identity was stolen back in XXXX  and someone stole all my money off my card and I made a claim about my account and keep getting the run around please help me recover my stimulus and deposits that were stolen.
Product: Credit reporting or other personal consumer reports

See attached letter for additional details of disputed information reporting wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX 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 or other personal consumer reports

XXXX  sold debt to D & A SERVICES, THEN TO XXXX XXXX AND FINALLY LEGAL COUNSEL FROM XXXX SENT LETTER ATTACHED, CANCELLING DEBT AND REMOVING FROM ALL CRAS. XXXX AND XXXX RE-INSERTED THIS TRADELINE AND REFUSE TO REMOVE IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S 1681 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S 1692 Without the prior consent of the consumer report given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I send a package to family member that address shows up on my credit report. I have been on XXXX XXXX for over fifteen years. Before that I was living on XXXX for almost ten. The other addresses are family members but NOT and should not keep needing to be corrected.
Product: Mortgage

We were on a COVID-19 forbearance plan. When our forbearance expired we had entered into a streamlined loan modification program. We were required to make three trial payments of {$1100.00} during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Upon the completion of the trial payments our loan was to be modified and reset placing the delinquent amount at the back end of our loan thus increasing our principal balance and the payoff terms of our loan. We completed the trial payments and waited four months to have the modification processed, all the while we continued to make payments that matched the trial payment amount. In XX/XX/XXXX we finally received the loan modification documents. We signed them and returned them via XXXX overnight within forty eight hours. The documents were received by our mortgage holder Flagstar Bank on XX/XX/XXXX at XXXX XXXX We waited another two months while still making payment for the loan modification to be completed. On XX/XX/XXXX we received our final completed and signed loan modification documents. Per the agreement our balance due was to reflect only the current month. It did not. A few days later some of the account had been reset but not entirely. The account reflected we did not pay our XX/XX/XXXX, XX/XX/XXXX, or our XX/XX/XXXX payments. This is factually incorrect because we have to call in to make our payments. I have my bank records. Print screens from their website, and payment confirmation letters from the three months in question. On XX/XX/XXXX, I received a letter in the mail stating if the delinquency was not resolved by XX/XX/XXXX foreclosure will immediately begin. I called Flagstar they seemed surprised a foreclosure letter went out and said I was protected. However they can not seem to figure out what happened to my payments and they will give me nothing in writing to prove they will not foreclose. Throughout this entire forbearance and modification process I have been in constant telephone communication with Flagstar. They constantly have no idea what is happening with my account and have a new or different reason for the delays every time I speak with them.
Product: Mortgage

Loan Reference : XXXX ( interest only loan ) Hello I have had a previous complaint ( XXXX-XXXX ) with this company which has not been resolved and have attempted to reach out to my assigned representative and left voicemails with no response. ( XXXX ext.XXXX  ). The mortgage payment process is still erroneous on my account. The {$75.00} principal payment never got applied and it is only showing I've paid {$34.00} towards the principal on this loan. And after the letter submitted to me late XXXX by Loan Care my account reflected a {$0.00} payment due for the month of XXXX. But for the subsequent months of XXXX and XXXX the amounts due have been {$48.00} and {$49.00} to include erroneous late fees, as opposed to the {$24.00} it should have been. Yes I said XXXX as that is the due date on the most recent statement I received. For the month of XXXX I submitted {$49.00} but I will not continue to support this kind of unwarranted and illegal price gauging. 

My original complaint : YOUR COMPLAINT Loan care billing system is not updating their system to reflect up to date payments made on my account and customer service has been unable to help and fix it since XX/XX/XXXX : Hello can you all please pull up the notes on my account with loan number XXXX ( interest only loan )? It has been escalated ( reference/ticket number is XXXX ) but no one person I have spoken with has been able to fix the issues with my loan account. I have called and spoken with customer service reps on several occasions since XXXX as well as a manager finally by the name of XXXX XXXX on XX/XX/XXXX. He said if a payment is made on the same day, Loancare 's system voids it out. That is not clearly expressed on the website or the mobile app. This is what happened in the case of my XXXX payment. On the site I made two payments on the same date but the system only accepted the {$50.00} principal. Unbeknownst to me the {$24.00} was never drafted out of the account. He apologized and said to rectify things he would split the {$50.00} principal only payment received and reapply {$24.00} to the interest only payment that was due for XXXX and the difference to the principal. I see where the reversals were done on XX/XX/XXXX and XX/XX/XXXX but my account is still marked delinquent. Now when I log in to the system it says my XXXX mortgage was never received although I paid it XX/XX/XXXX. On the payment screen it says I now owe {$60.00} ( {$49.00} for mortgage payment and {$10.00} in fees ). At this point if you all applied a payment for {$24.00} on XX/XX/XXXX and I have already made a {$35.00} payment on XXXX I do not understand why it is showing that Loancare hasn't received up to date mortgage payments. I last spoke with one of your agents on XX/XX/XXXX and after placing me on hold for 22 minutes she kindly hung up on me. Your help would be appreciated!
Product: Debt collection

On XX/XX/2018 and XX/XX/2018 - I received a robo call from the debt collection company identifying as Improved Data Services ( IDS ). Although XXXX appears to have sold the debt to XXXX XXXX XXXX , XXXX and would be handling the matter as of XX/XX/2018, IDS claims to have received my information on XX/XX/2018. After following the prompts and trying to figure out why I was being called, the representative XXXX called and told me to " cut the attitude '' mind you, this is an unsolicited call to my job by people trying to verify who I am but called me. She was rude and said ( since I have an attitude ) " blah, blah, blah, we'll just continue to call you at work! '' She then hung up on me, called back from a blocked number and just proceeded to breath into the phone and not say anything. This is in direct violation of 15 USC 1692d Sec. 806 ( 5 ) of the FDCPA. I called the number from the initial phone call XXXX and spoke with XXXX XXXX, who told me to " focus and get back to the basics '' she said XXXX was seeking a judgement against me and they were trying to settle the debt. I have received no correspondence from XXXX indicated there is a judgement. I explained to XXXX that I am aware of my rights and work for a law firm and the sheer fact that she is mentioning a judgement ( without an actual judgment in place ) is in violation of the 15 USC 1692e Section 807 ( 13 ), which states " the false representation or implication that documents are legal process. '' She stated " it's not harassing, I've been a debt collector for 16 years. How long have you been a debt collector? '' At that point, I had enough of the harassment and hung up. 

As of XX/XX/2018, IDS is continuing to call my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is showing as an account that was opened in XX/XX/2022. The account is showing closed, due to inactivity. Please remove from report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX I have several unknown addresses and inaccurate fileinformation that needs to be updated properly. My current and only address is XXXX XXXXXXXX XXXX XXXX OH XXXX Please delete all other unkwownaddressses they are not correct. I have a inaccurate Social Securty number on mycredit report SS : XXXX, please delete it at once. My name is NOT XXXX  please remove the extra name from my credit report. According to 12 CFR Part1022 ( Regulation V ) requires furnishers to : Furnish information concerning accountsor other relationships with a consumer that has integrity. Furnish information aboutaccounts or other relationships with a consumer that is accurate. C - Conductreasonable investigations of consumer disputes According to XXXX, in order to makea lawful report, you must follow the Metro 2 compliance standards. Followingaddresses need to be deleted 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 card or prepaid card

On XX/XX/XXXX the following charges labeled XXXX XXXX XXXX XXXX XXXX CA were posted to my XXXX XXXX XXXX by Elan Financial Services XXXX 14 transactions at {$200.00} each 1 transaction at {$50.00} Total {$2800.00} The merchant category per my Elan statement was Heat Plumbing A/C. 

These were fraudulent charges as I did not request, authorize or receive any services related to these transactions. I contacted Elan, told them these charges were fraudulent and they credited my account on XX/XX/XXXX, cancelled my card and re-issued me a new card. 

Then on XX/XX/XXXX and XX/XX/XXXX, Elan reinstated {$2200.00} to my account saying After careful review, we have verified the transaction ( s ) was authorized, and you received benefit from the transaction ( s ).

I have contacted Elan by phone and asked them to remove these fraudulent charges on XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. Each time, the representative told me that they would have a manager call me to discuss but they never did. I also requested Elan to provide their documentation that I allegedly received these transactions which they agreed to send me but have not done so. 

Elan Financial Services wont respond to me so I need your assistance to have these fraudulent charges removed from my account. 

Thank you.
Product: Debt collection

I lived in the XXXX XXXX XXXX where I lived for eleven months which was paid up. My lawyer XXXX. XXXX, XXXX. The Apartment was Inhabitant to live in n Att. XXXX instructed Me to move, A letter was presented to the Resident Mgr. on My move. Attachment is the letter written to the Manager. My Attorney XXXX. XXXX can give more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate & unknown items on my credit report. To this day over 50 days I have not received any response, Ive spoke to reps at each company they said that they have received my letter. I feel like I'm being taken advantage of & ignored of my dispute. According to Section 611c states that a failure to investigate these item within 30 days gives reason to immediately remove theses items from my credit report. It has been over 50 days so the items that are being disputed should be deleted from my credit report. I intend on file a FTC ( Federal trade commission ) complaint. My data was also impacted by the XXXX data breach my info my have gotten in the wrong hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checkr background check company has financially damaged me. They have taken a paid fine and reported it on my credit report as unpaid. And it has now impacted my ability to work for XXXX. XXXX is refusing to help. There is nobody to reach a chucker. I have sent multiple emails and they even violated their own policy and deactivated me before the 10 days but they said they were going to give me. 

I have talked to the XXXX XXXX clerk, and I have proof from the XXXX as well that this has been paid and satisfied. This is defamatory and is violation of the fair credit act and I want my {$1000.00} for the violation. I want my credit report fixed. This is creating a image of me that is not true.
Product: Debt collection

Financial Data System i s reporting that I have a {$450.00} collection with   XXXX   XXXX   on my credit report. This account does not belong to me. I have even spoken with their representatives about this error, and even their reps agree with me. They have promised me that they would remove this error from my credit report for months, but its still there.
Product: Checking or savings account

My account is XXXX XXXX from a car I had over 15 years ago with chase bank I had no knowledge or warning of this matter chase didnt let me know this was even possible
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC 1681 Account name 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 have violated my rights. 

15 U S C 1681 section 602 A states i have the right to privacy 15 U S C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U S C 1681c ( a ) ( 5 ) Section states no consumer repporting agency may make any consumer report containing any of the following itemsof information. Any other adverse item of information other than records of convictions of crimeswhich adates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$53000.00} SOC SEC ADMIN OFFICE O XXXX {$40000.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} XXXX  XXXX XXXX {$430.00} XXXX XXXX  XXXX {$150000.00} XXXX  XXXX XXXX {$150000.00} XXXX XXXX XXXX  XXXX {$1400.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$1600.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a security freeze on XX/XX/2020.
Product: Debt collection

Midland Funding purchased this loan from XXXX XXXX. I informed them that my mother opened this account unknowingly and advised them to validate and verify. Midland Funding has also harassed me repeatedly outside of FDCPA guidelines via phone and I received calls from blocked # 's from their reps advising that my account was " in their office and I am going to be sued ''. The lack of professionalism and ethics was incredible.
Product: Checking or savings account

Capital one has a referral bonus for 360 checking accounts where an existing user sends their unique referral link generated in the app or website. The friend follows the link to open an account, and the offer is after 2 deposits within 75 days from account opening, both myself and my friend would get out {$50.00} bonus credited to the account. 
However, on following up, we were informed by capital one that they would not be honoring that as they have stopped the bonus program as of XXXX. 
Which is odd as I was able to pull up the link as normal to refer my friend. The page STILL states that you can get your bonus and nowhere is there any indication of that being paused. I feel deceived and misled because I would not have followed through with referring anyone had I known the program was paused. 
I called and spoke with both customer service as well as a supervisor informing them of their company misleading consumers, but they simply stated they would not be honoring that whatsoever.
Product: Debt collection

I am getting really frustrated. I have not checked my credit report in years. I went on to see I have XXXX medical collection accounts through American Adjustment Bureau. I have filed a complaint because I never received any kinds of statements from these companies saying I owe them money. I have NOT received anything from this debt collection agency. I have asked them for copies of the original bills so I can verify these are even my bills. I 've asked them to remove from my credit reports to give me a chance to verify. I 've asked them to send me these statements with dates and still have not received them. Instead they went in on my reports and updated the information to the current dates. I 'm very upset and think this is unfair to me. I 've contacted them again trying to get these documents. I 'm ready to go somewhere else where I can report them. I just had another company try to take advantage me for almost XXXX dollars and it turned out I did NOT owe this money. So I need these documents so I can verify the information.
Product: Checking or savings account

I applied for a HSBC XXXX XXXX account on XX/XX/XXXX, and was approved online ( doc attached ). My initial {$XXXX} deposit was processed the same day as well ( doc attached ). I was able to set up an online banking account as well after the application process. 

On XX/XX/XXXX, I deposited a check for {$XXXX} through the mobile app. I attempted to log into my account on XX/XX/XXXX to see if my check deposit was received since I had not received any confirmation or any updates on the check deposit status. When trying to log into my account, I received a message saying my account was suspended. I called the listed phone number of 1XXXX ( screenshot attached XXXX to get this resolved. After XXXX minutes on hold, I was able to speak to someone who then attempted to transfer me. I called again and was on hold again for XXXX hour and XXXX minutes and was given another phone number to try. I called the phone number and waited for XXXX minutes until an agent was able to give me yet another phone number to try. I attempted to get help through the HSBC social media team and chat help on the website, only to be told again to call. 

I continued calling the numbers again on XX/XX/XXXX without any resolution, but was able to get clarity on who to try to contact. I finally was able to reach the department at 1XXXX on XX/XX/XXXX after waiting on hold. I received word that my account was suspended and I needed to send verification even though my account had been approved online! I was never notified of any of this until I wasted hours trying to gain access to my account! 

I submitted the information that was asked of me ( doc attached ) and waited for confirmation. However, I did not receive confirmation after waiting XXXX business days as the rep had told me over the phone. I called again on XX/XX/XXXX to confirm whether or not things have processed. After another hour on the phone, I was able to speak to a rep who looked for my documents. He said he would process everything immediately and that I should have access restored after XXXX minutes. However, my account access has not been restored. Every attempt to log into my online banking is met with the message that my credentials are suspended ( screenshot attached ). I attempted again to contact HSBC for help on the afternoon of XX/XX/XXXX so that I would be able to regain access to my online banking. However, after another XXXX hours of waiting on hold and attempting to resolve issues with the chat team, my online access still has not been fixed. 

Today, XX/XX/XXXX, I have been on hold on the phone again for another XXXX hours trying to reach someone at 1-XXXX. I called the general customer care line to attempt to resolve my problem, only to be referred back to 1-XXXX. I am still waiting for someone to resolve my online banking problems so that I can access my money.