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

After waiting on hold  for 45 minut es for a United States representative. I called up and told them that they reput inquiries on my report.  XXXX   ( will not give a last name or ID number ) put me hold again for 10 minutes when he looked up my inform ation. He asks now what 's the issue and I told him again that TransUnion reput inquiries on my report, and by law you have  to give five days notice. He then asks for the names/dates of the inquiries. He then said this glitch was from an outside credit reporting source. I tell him we both know that is not true. I want these inquiries removed now and I know my legal rights and then he hung up on the phone on me!
Product: Debt collection

On XX/XX/XXXX XXXX from FHCANN & Associates contacted me in XXXX of XXXX and made me aware of a debt that I had for student loans. Prior to him contacting me I was not aware of an amount, or that I was in default. After XXXX spoke with me he and I made an agreement to set up an arrangement to get back in good standing with my student loans on an IBR program. The program that he advised me to get on was only {$5.00} a month for which he specifically stated would be a duration of 8 months. In the midst of our conversation I made XXXX aware that I would be filing taxes and specifically asked him, verbatim, if I had any kinds of garnishments against me with my student loans that I needed to be aware of. XXXX specifically told me no, that I did not have any garnishments. He also did not make me aware that I could " possibly '' be offset either if I did file my taxes. On XX/XX/XXXX I made my second payment and revisited the prior conversation in order to be sure that I would not be offset once I did file my taxes. On XX/XX/XXXX I was offset for the US Department of Education. I called FHCANN & Associates and asked to speak with a supervisor, and was given XXXX XXXX. He stated that there was nothing that could be done. I called again at XXXX PM the same day, and spoke with XXXX another supervisor, who stated that the call had been reviewed by XXXX and XXXX had came to the conclusion that nothing was said off script and that XXXX `` did '' make me aware that I would be offset, and that XXXX never confirmed that I would NOT be garnished. As I told XXXX, this is incorrect, and I wanted the call reviewed again. I also requested transcripts to which XXXX told me that FHCANN is not required to give me, however he stated that the call would be reviewed by a manager and that he would follow up with me in 1-2 business days. I would like to make a complaint based on the misrepresentation that XXXX made. From my understanding, XXXX is NOT a tax consultant, and therefore should not be answering tax related questions with definitive answers. I, the consumer, was also not made aware of the " possible '' offset which is a clear violation of FHCANN & Associates contract with the Dept. of Education.
Product: Vehicle loan or lease

I am buying a house an needed to sell my vehicle for the ratios and closing. I overnighted the payoff check to GM Financial on Saturday XX/XX/XXXX, it was signed for by a XXXX XXXX on Monday XX/XX/XXXX at XXXX XXXX. I contacted GM Financial every day this week and they said they hadn't received it. Today they finally found it and did me a " Favor '' by posting the payoff to my account, which wont show up for at least 3 days. In the meantime I am being charged interest. This may delay the closing on my home costing me additional funds.
Product: Debt collection

once again collector FAILED TO VALIDATE DEBT, THIS WAS OLD XXXX  POLICY PAID AND HAVE NEW POLICY ATTACHED. THEY KEEP CALLING MY MOM AND DADS CELL 22 TIMESS AND HAVE PROOF FOR LAWSUIT. CEASE AND DESIST COLEECTGION AND CEASE CALLING
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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
Product: Debt collection

They constantly call and when I answer the phone theyll hang up. Im sick of the harassment and if they call me Id like for them to actually say something instead of calling up to 5 times a day. I have blocked the numbers they call on then theyll use a new number. 

The company is ERC. I *think* the debt is with XXXX XXXX who opened accounts for me without my permission resulting in hundreds of dollars worth of fees Im never going to pay.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 at around XXXX I received a notice in the mail from XXXX XXXX notifying me about a data breach and that my data may have been affected. 

I took immediate action and contacted all three credit reporting agencies to put a security freeze on my account. 

I was able to successfully place a security freeze on my accounts for XXXX and XXXX over the phone in less than 10 minutes. 

At XXXX I called Transunion and was unable to complete the request over the phone. I was given the option to complete my request over the phone or by chat. Chat had a smaller wait time so I chose chat. 

The support agent over chat was not able to complete any of my requests for a freeze because whenever I logged in to their website I got the error : Identity Verification Failed : Failed safety check. 

The agent suggested I call them to resolve this issue however the call wait time was over 30 minutes long. Also, I had no assurance that this phone representative would be able to help me with my problem. I tried to ask the support agent for more help, such as allowing me to speak with their supervisor or putting me in a queue to receive a callback from a customer service representative. They informed me they could not do any of those things. 

In the end the support agent could not even provide a transcript of our conversation so I screenshotted the chat with timestamps and attached them to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this judgement with Experian for the longest time now, and Experian is doing everything in their power to keep this account on my credit report, experian is no longer supposed to be reporting judgements, tax lien, or public records, and they still are, they are in violation of the fcra 15 U.S. 1692e misrepresenting a judgement that is public records as a collection item to falsely keep it on my credit report, I have the judgement, and they have the judgement in hand, and has not corrected the information and delete the item, they have confirmed over the phone they have the judgement, but are still non Compliant with correcting the information, they can and will be sued just for that, I have also contacted the courts that handled the eviction, and asked them if they are reporting public records to the credit bureaus, they said no, XXXX XXXX XXXX XXXX is the law firm XXXX XXXX hired to represent them int he eviction process, they are not a creditor or collection agency, they are a land XXXX XXXX XXXX XXXX misrepresenting the debt with a fake account number, which is illegal, and Experian is well aware of this, I will not accept an automated response from experian, but a letter stating the judgement has been deleted from my credit file, if not experian will be sued in federal court for fcra violations.
Product: Credit card or prepaid card

I paid my BBVA ( now PNC ) on XX/XX/XXXX through XXXX  XXXX XXXX XXXX XXXX. I started receiving collection calls from PNC after my due date. Every time I told them I had already paid they would tell me to wait to see if the payment posts. I called XXXX  XXXX XXXX XXXX XXXX and found out the check ( XXXX XXXX ) was processed on XX/XX/XXXX. I then called to escalate an investigation with PNC on XX/XX/XXXX. They said I would hear from someone in 2 business days. I did not receive a call until today XX/XX/XXXX telling me they are from escalations/ investigations and they have not received a payment. I was told I now need to go to branch and give them my proof of payment with an endorsed check. The copy I have from XXXX XXXX XXXX is not endorsed but I will take it to a branch on Saturday. I have spent several hours trying to resolve this and asked if anyone from PNC can call XXXX to verify the info I have given them. They said they cant. Im still unclear if going to the branch will resolve this issue. 

This is clearly an issue with the system conversion from BBVA to PNC in XXXX and PNC has done nothing to help resolve it. Im concerned this will have a negative impact on my credit rating.

I cant be the only customer this has happened to.
Product: Debt collection

Received notice in the mail offering to settle on a debt. Also would like to add that they are not licensed in my state to collect on any debt. So what they are doing is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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

I noticed some unauthorized hard inquiries on my XXXX, XXXX, and XXXX credit report.
Product: Debt collection

Approx. XX/XX/XXXX filed a dispute with XXXX after collection account showed up and I questioned account? 
XXXX did a request and returned an answer on or about XX/XX/XXXX. 
The amount in question was for {$520.00} for lab services. 

The answer was that they noted I disputed but was done under the Fair Credit Reporting Act.

Three days [ letter dated XX/XX/XXXX ] a letter arrived from the company Radius Global Solutions, LLC requesting data and stating they did contact credit bureau, XXXX  to state I disputed information. 

Now, they want information to submit. This should have been done prior to submission. The collection agency and lab company are aggressive and will not do due diligence. 
This bill was done in error by doctor submitting and corrected per a phone call by patient. I assume the lab company did not verify nor did doctor remove because of payment by insurance company.
Product: Credit reporting or other personal consumer reports

Their is inaccurate information being reported to all 3 credit bureaus concerning 3 closed accounts that have inaccurate information on it ( several late payments/derogatory ). 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern : This letter is regarding accounts that you claim derogatory information/late payments on these 3 closed accounts. This is formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-B ) Please Note : This is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC ; XXXX XXXX XXXX
Product: Debt collection

Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX, FL, XXXX Dear XXXX XXXX XXXX I recently received a debt cancellation notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim I owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I requested that you do not access my credit report or report anything to my credit bureau. I dispute the validity of this debt until amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Checking or savings account

I opened a checking account with Keybank on Friday XX/XX/XXXX. On Monday XX/XX/XXXX I initiated a transfer from an external account to deposit money into my Keybank account. I also set up the account for direct deposit. On Tuesday the XXXX the money arrived into the account. When I tried to log into online banking to access the account, I received a notice stating my account had been locked and to call Keybank. 

I called Keybank and they said I had to provide some identity documents. I offered to send them via email or upload them via a secure portal. They declined and said I had to go in person to a branch to provide these documents. The nearest branch is far from me and going in person will take at least two hours of my day. 

I asked the representative if I could withdraw the money from my account instead and he said I am not allowed to access my funds. 

As soon as I deposited money into my account, Keybank locked me out and will not let me access it. They are holding my money hostage and I want it back.
Product: Checking or savings account

On XX/XX/XXXX, I checked my bank account as I prepared to pay my daughter 's college fees. I saw that the amount of {$6900.00} had been withdrawn from my bank account without my authorization. The transaction description said XXXX XXXX XXXX, XXXX. I called the number. It was a Wells Fargo number that would only be answered on weekdays. When I tried to report the fraudulent transaction to the bank, they did not create a claim. The fraud department put me through to the claims department. The claims department informed to that I needed to call the number because they could not create a claim without a merchant being listed. I explained to them that if there was no merchant listed that the bank needed to return the funds to my account since I did not authorize the transaction. I was told to call the XXXX XXXX XXXX number to receive further assistance. In addition, there is no option for me to dispute this transaction in my online banking account. When I tried to create a dispute this transaction was not listed. 
I am very disappointed in Wells Fargo and now understand how the victims of their fraudulent scandals in the past felt when bullied by this institution.
Product: Vehicle loan or lease

In XXXX, XXXX, I leased a brand new XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, Tx. I made a substantial down payment. In XXXX, XXXX, the check engine light came on. I took the car into the service department and they kept it for a few days and told me that they couldn't find why the check engine light was on. I got the vehicle back from service and the light was off. In XXXX, XXXX, the check engine light came back on. I took the car back to service and they kept it for approximately a week and called me to pick the vehicle up and they still had not diagnosed the trouble. In XX/XX/XXXX, I was driving from XXXX to XXXX and the vehicle was stalling and the check engine light came back on. I had to turn around and try to get back to XXXX because I did not know what was happening. The service department was closed for the holidays but I took the vehicle to service as soon they opened for business. My service advisor was XXXX. I also advised him that the radio was going on and off as if it had a short in it. They repaired the radio but still had no answer to the " check engine light ''. In XXXX of XXXX, the vehicle was stalling again and the check engine light was back on. 
I took the car back to the service department and told them not to call me until they could diagnose the problem. 
I did not hear from them. I went into the finance department and ask if I could end my lease and that I was willing to pay any fees that I owed..I just wanted out of that LEMON! The people in the office kept telling me that I needed to talk to the Manager. I sat and waited for hours to speak with the XXXX XXXX. After waiting, I was then told that I needed to speak with the lady that wrote the lease. Every time I would call to make an appointment with her, they would say " she's not in ''. 
The vehicle was still in service and I did not get any updates or nothing. I finally called them in XXXX and ask if they had diagnosed the problem and I was told that the vehicle was no longer there ... that they had SOLD it. 

Now Lincoln Financial Automotive keeps billing me {$16000.00} and has put it on my credit report. I hired a Lemon Law attorney but he did not follow through.

This is NOT fair to me and every time I try to call Lincoln Financial, they pretend that they can't find my account. 

This has been a nightmare for me. I am just reaching out to anyone that I feel might be able to help me. 

sincerely, XXXX XXXX
Product: Credit card or prepaid card

I paid my target credit card bill in full on XX/XX/2019. The payment posted to my account and funds were extracted on XXXX XXXX from my checking account. I tried using the card and was told I dont have available credit. I called target and was told I need to do a conference call with my bank to verify the payment was made from my checking account. I explained to the consumer servicer rep I have made many payments prior and never had this issue. They are failing to address the issue when the funds have been extracted from my account.
Product: Credit card or prepaid card

I went to see a financi al counselor   i  n  XX/XX/XXXX  who reviewe d my credit report with me. I became aware of a fraudulent collection ( that I have since gone to court to r emove ) a n d two fraudulen t credit cards,  one from Barclay 's Bank  an d one from   XXXX   XXXX   XXXX   . According to my credit repo rt Barclay 's was   opened in   XX/XX/XXXX  and closed in  XX/XX/XXXX   with no reported payment history.  XXXX   XXXX  was open ed  XX/XX/XXXX  and closed in  XX/XX/XXXX  and it looks like no payments were made according to my credit report. I have never had   either of these cards and only became aware of them from looking at my credit reports. I have repeatedly called both banks to report the cards as fraud and they will not remove them. I also sent a dispute letter to the credit bureaus to remove these accounts and they left them on. I have filed a identity theft report with the fair trade commission that I will attach to this complaint. I have also visited my local police precint to report ID theft but the detective was not helpful. All the other accounts on my credit report have always been paid on time. I need th ese two cards remov ed since they are not mine and I would like to purchase a home soon and need my credit repaired.
Product: Checking or savings account

Citibank was advertising account opening bonus incentives. Promo code # XXXX. 
I attempted to open checking account on their website. 
Their system had issues that prevented me from opening the account online. 
I called on XXXX to open the account on the phone. 
I funded the account in XX/XX/XXXX. 
I called them in XX/XX/XXXX to ensure I would receive the bonus and they confirmed I would receive it in XXXX. 
I didn't receive the bonus and called them on XXXX and they said I would receive it by XX/XX/XXXX. 
I called them on XXXX and was told they needed a form from me. I sent them the form in the mail. 
I called them on XXXX and they said they received it, but still no bonus. They opened a promo dispute case and told me I would hear from them in a week. I didn't hear from them. I called on XXXX for an update. They had no update and they would request one from the investigation team and that I'd have to call back for more information. I called them on XXXX and they told me the case was closed and they determined I am eligible for the bonus and they bonus would be in my account by the end of the day XXXX. I checked my account on XXXX and the bonus is NOT there. The company used misleading and deceitful advertising. They have continued use unfair trade practices, to lie to me, cause stress, and consume my time.