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

I made an application to refinance my car and authorized the company XXXX to make a hard inquiry in my credit report but they pulled 3 hard inquiries in my credit report and also shared my information with 3 different banks, this will affect my credit a lot, I did not authorize them to do 3 hard inquiries in less than 2 days, this is a lack of respect for consumers.
Product: Mortgage

It is impossible to get anyone on the phone at Roundpoint Mortgage. You have to wait hours to get anyone on the line. I urgently need information from them and I am stuck waiting for a call back. They said I was 180th person in line. This is not the sort of basic customer service they should be providing.
Product: Debt collection

This company, Commonwealth Financial is attempting to collect debt on an medical debt that is not owed to them nor have I ever had an account with Commonwealth Financial. Also, the reporting date is incorrect and the amount is reported incorrectly twice as two entries on my credit, further damaging my score.
Product: Credit reporting or other personal consumer reports

Hi XXXX Managers ; I trust this message finds you well. Enclosed within this correspondence, please find the attached documents that unequivocally demonstrate my XXXX XXXX status in the XXXX XXXX during the period when an account on my credit report was reported as late. I have engaged in numerous discussions with your esteemed customer service representatives regarding this matter, and on each occasion, I diligently provided evidence supporting my absence and limited communication during that time. 

Upon my return from military service, I promptly fulfilled all of my financial obligations, addressing both past and current bills with unwavering commitment. I believe this issue to be satisfactorily resolved following my previous interactions with your company. However, to my surprise, I recently discovered that late payments were once again reflected on my credit report. This development is perplexing, as I had been under the impression that these derogatory marks were removed from my credit report several months ago, following my last communication with your organization. 

It is important to underscore that the reporting of late payments during a period when I was actively serving our country is not only deeply concerning but also seemingly incongruous with the protections afforded to servicemembers under the Servicemembers Civil Relief Act ( SCRA ). I had a reasonable expectation that I would be shielded from such adverse credit reporting while fulfilling my duty to our nation. 

In light of these circumstances, I respectfully request your immediate attention to this matter. I implore you to investigate and rectify the reporting of late payments associated with my account. I believe it is crucial to uphold the principles of fairness and adherence to the SCRA, ensuring that my credit report accurately reflects the sacrifices made during my military service. 

Your prompt response and action in resolving this issue would be greatly appreciated. I trust that, through our collaborative efforts, we can swiftly address this concern and uphold the integrity of my credit report. 

Thank you for your understanding and attention to this important matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : 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 XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$54.00} XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX : {$490.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXBalance : {$340.00} XXXX XXXX XXXXXX/XX/XXXX XXXX CXXXX 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 XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report, and I noticed that there is inquiries that it's not authorized by me. Those inquiries show on my credit report by somebody who has my information and try to open up a credit cards. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Knight Adjustment Bureau is reporting a debt on my credit file I do not recognize. It's a {$10000.00} debt for XXXX XXXX. I did have an account with XXXX XXXX but closed it and removed any recurring billing and I had nothing owed. Shortly after I did file for bankruptcy. I never owed XXXX XXXX {$10000.00} and I have no proof of this. I have no loans with them and never did I spend {$10000.00} so I'm confused as to where this debt is coming from.
Product: Credit card or prepaid card

Care credit card closed my account because of a payment reversal. I am a bartender and usually deal with cash and keep just enough in my account for bills. I made the payment on time however it didnt process until after the weekend. Unfortunately some auto payments for subscriptions also hit my account and they reversed the payment. As soon as I saw what happened, I quickly made another payment which processed no problem. They gave me a late fee and closed my account. This did happen once before in XXXX but again, I still made every payment. I would understand if I never paid on time, missed payments every month and was truly reckless but I havent. After this happened, I looked into it and found that many others have had their account closed without notice as well and it is unfortunate. When I called, they urged me to just reapply and get approved in minutes. Two different agents told me this. I do not wish to have negative remarks reported to the bureau as well as a closed account and another inquiry. Why on earth would they close your account and urge you to open a new one? I feel wronged because why would they want me still as a borrower if they felt I wasnt trustworthy enough to keep my original account. Something is wrong with this company. For a company called Care, they do not. I used this to cover my dental appointments as my insurance barely covers much. I have an appointment on Tuesday that I now dont know how I will afford.
Product: Credit card or prepaid card

On : XXXX XXXXXX/XX/2022 Wells Fargo decided to Close my ATM Card, for at least a Year. They told me that I misused their ATM Card, for Disputes that I did on my ATM Card constantly.
Product: Money transfer, virtual currency, or money service

I have registered and created a profile with Google Pay. This includes personal information, company addresses, EIN ( s ) and account numbers. I am using and have used the service to receive and return rent payments as well as return tenant deposits. Recently, I have been repeatedly forced to contact Google Pay to ensure payments are processed. Despite being an electronic service, Google is implementing unrealistic transit times or not providing any expected process times with pending being a message for extended periods of time. The service is riddled with dead end customer service processes, sending the customer back to the beginning without a mechanism to solve the problem. If the customer desires to speak to a human, they are forced to deal with outsourced call centers in the XXXX, who provide zero service and have no answers to most questions. The same is true of using the chat function. American sounding names are used such as XXXX, when in fact they are not American. This is a misleading process as Google advertises American phone numbers in XXXX XXXX, CA. Nowhere is this deceptive practice disclosed in a way the average person can access. Only when queried do the contractors confess they are not Americans nor located in the US, let alone California. Some of these foreign contractors have quoted a sophisticated algorithm when telling me why my transfer, from American to American inside the domestic US banking system, is being held up. To my knowledge, money laundering laws are very clear about what constitutes a transgression, and rental payments, while often four digits in vs, use, do not constitute a money laundering event. Google Pay should either create a process that works in a defined timeline, with a process for speaking to an American with the ability to proved service, or exit this business and stop the false advertising that leads consumers to believe this service will be efficient and sea, less, which to my recent experience, is a lie.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house when I seen damaging inquiries on my report 15 U.S.C 1681 states there should be nothing damaging report
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX Balance {$510.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance {$4500.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX Balance {$410.00} XXXX XXXX XXXXS ( Original creditor : XXXX XXXX  ) XXXX Balance {$830.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$480.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$79.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1200.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX reported a new collection on my credit report opened XX/XX/XXXX by Collection Management at XXXX, address : XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX for a debt of {$730.00} that showed past due as of XX/XX/XXXX from the original creditor : XXXX XXXX XXXX XXXX, XXXX, LA XXXX due to this report Experian lowered my FICA score XXXX points. I disputed the report to XXXX and they said it would remain on my report until XX/XX/XXXX. I then reported it to their Fraud section where they took my report and suggestion I submit a report to your agency. I called the XXXX number listed above for Collection Management and they said they have no record of me. I tried to contact XXXX XXXX XXXX XXXX and can find no phone number on them. I XXXX  both companies and found numerous complaints on both for fraud, some of which where the same complaints I have. I have never received a bill or call about this debt and haven't been anywhere within a XXXX miles of Louisiana in XXXX  years. I am XXXX XXXX XXXX and a XXXX  year veteran of the XXXX. I believe this is a scam by either Collection Management or XXXX who have been trying to get me to pay {$29.00} a month to upgrade my monitoring membership to XXXX XXXX for about XXXX  years now. I am very careful to protect my good name and pay all my bills in a timely manner. These false reports keep me awake at night trying to figure out what is going on. Any assistance you can give me will be greartly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting two ( 2 ) accounts on my three ( 3 ) credit bureaus, Experian, XXXX, and XXXX. 

I have regularly disputed these accounts over the past year. Over the past 6 months I have aggressively contacted them AND the credit bureaus each month via mail asking that they remove the accounts, since they do not belong to me. They only respond saying the information was " Verified. '' I have asked for actual verification with proof of me opening these accounts - when, where??? Provide me with my signature for this credit. They NEVER have. 

I have also asked them to STOP truncating the account numbers. It is unlawful to provide less than 100 % accurate information on credit reports. By truncating the account numbers, I DON'T EVEN KNOW WHAT THE ACCOUNT NUMBERS ARE. And they are providing inaccurate information. 

According to the Fair Credit Reporting Act, these are violations, unacceptable and unlawful.
Product: Credit card or prepaid card

I attempted to make a payment on XXXX, to the following Capital One credit card. 
XXXX. The online system indicated that a verification code was necessary to proceed. The only options that were available were telephone calls and I was not available at any the numbers listed. I contacted Capital One and after verifying my account ( via Social Security number, DOB, etc. ), the representative still indicated that I needed to provide them with a telephone number to obtain a code. She stated that this was to " verify '' that I was the cardholder. I made very clear to this person that she just finished verifying who I was and that how could a phone number do otherwise. I asked her if there was a method of contacting me ( preferably through another method ) to provide me with this " all secret '' code that I needed in order to access my account. She said that only a telephone call would get this done. And that if this was not acceptable to me that I would have to be transferred to the fraud department. I understand that account security is essential, however, I believe that I made more than a reasonable effort to comply with Capital One 's verification procedures. To date I still can not access my account online nor on the mobile application as Capital One has denied access to my account. I had to make a payment using the automated telephone system in order to ensure that the payment was credited on time. I am requesting your office hold Capital One accountable for these extra-ordinary inconveniences and require them to permit me access to my online account immediately. Once again, all their verification requirements were met, they insisted on a telephone number that I was not able to provide at the time.
Product: Credit reporting

XXXX XXXX XXXX XXXX has been reporting a delinquent status on my credit report. I attained an auto loan in 2013, and I am currently paying the balance, monthly, and in good terms yet for some apparent reason they have yet to update the status on my credit report. I have been paying my monthly auto loan on time, from what I recall not missing a payment. Please do contact XXXX XXXX, referring to my name and social security to pull up my account, which will show I have been paying my bill on time. I need to clean this negative mark on my credit report by mid XXXX, for I am on the verge of attaining the loan needed for the expansion of my business operation ( Jewelry Store to be located in XXXX XXXX, CA. ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receipt of a complaint previously submitted to CFPB, the company in question re verifying the validity of a debt, the original creditor XXXX XXXX XXXX XXXX submitted two exhibits : one being the admission information sheet with incorrect SSN information, and the discharge summary with itemization of charges and transactions for four days of inpatient treatment. 
As previously explained, the two submitted exhibits show a social security number that does not belong to me, please see attached. They also show that patient is an OP, or outpatient under the patient type that was in fact in care of the hospital for four days. 
The latter statement is in direct contradiction to the second exhibit which is the explanation of charges. Was this patient in the hospital or at an office visit? In this item, also attached, the service provider claims that the OP, outpatient, was in fact in their treatment, in the urgent Emergency Department for a period of four days from XX/XX/2018 to the discharge date of XX/XX/2018. 
One would hope that in four days, the attending ER DRs may have asked the admitting department to get accurate patient information for billing such as the right social security number and employment information and to properly demonstrate what the diagnosis is as to be able to fill out all the missing data in the admission sheet such as the chief complaint and other information. Four days would have also allowed for absolutes with regards to the identification of this patient in their care and to in fact have a very large file re patient care. 
Two pieces of paper produced at the request of CFPB show all the inconsistencies that fail to prove that this debt is valid and in fact is truthful, accurate and mine. For these reasons, I am submitting the continued request that this be removed from collections and from the credit bureaus.
Product: Mortgage

I received an email saying I owed them {$2200.00} in escrow or else they would raise my mortgage payment. I reached out to a couple of loan providers and was told that this is incorrect they paid my insurance 2 months earlier than they did last year and this is why it is showing such a high amount. When I questioned the company they basically told me it didnt matter and this is what I owed no matter what. I have talked to them three times regarding this and have gotten no where except rude employees who are not interested in helping me and honestly dont seem to know what they are talking about.
Product: Vehicle loan or lease

I am writing to express my frustration regarding the delay in receiving the Cause of Loss document from the Tesla Insurance Team. I have been waiting for this document for almost one month now, and its absence is hindering the resolution of an important matter regarding my totaled vehicle.

As my vehicle was involved in an accident and deemed a total loss, the Cause of Loss document is crucial for the completion of the process. My insurance company, XXXX, requires this document to close out the gap side of my vehicle. 

Despite multiple inquiries and follow-ups, the Tesla Insurance Team has not been efficient with their service and has yet to provide the necessary document. This lack of responsiveness and delay in fulfilling such a basic requirement is highly disappointing. 

I urge the Tesla Insurance Team to prioritize this matter and expedite the delivery of the Cause of Loss document without further delay. Your prompt attention to this issue would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I am making a dispute against XXXX XXXX XXXX , Bank of America And XXXX XXXX XXXX for making a hard inquiry against my credit report. I believe I was sent a pre-approval offer letter from These banks to me in the mail and was told that ANY pre-approved offers should be reported as a soft inquiry. However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet from a XXXX excellent score to a XXXX. Being that I was considering of getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to all in fact, pursuant with title 15 of the US constitution I am a consumer. The United States is a Corporation pursuant 28 usc 3002 ( 15 ) and I Am a consumer of this corporation. As a consumer I have never signed a contract or PROMISSORY Note with the company XXXX XXXX XXXX. I believe them to be a 3rd party debt collector which means they must operate once 15 usc 1692 the Fair Debt Collection Practices Act. I demand to see proof that XXXX XXXX XXXX  is in fact the owner of any alleged debt they may claim I own, I am formally requesting a receipt of. purchase giving them authority to collect this alleged debt. Pursuant 18 usc 8 ANY and ALL bill and certificates of indebtedness are the obligation of the United States the corporation not me the consumer. I also have never given written or oral permission for this item to be furnished on my consumer reports which is a direct violation of 15 usc 1681b. Notice in Fact that I am demanding these alleged debts be removed OR send me check in the mail for {$5000.00} for every minute that its been on my consumer report
Product: Credit reporting or other personal consumer reports

In axcordance 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 : DEPT. OF ED/XXXX # XXXX Account name : XXXX XXXX : # XXXX. Account name : XXXXXXXX XXXX XXXX XXXXXXXX. Has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the rights to privicy.

15 U.S.C 1681 Section 604 A Section 2. It also States aconsumer reporting agency can not furnish a account without my writen instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containging any of the following items of information. Any other adverse item of i formation, 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 shal not furnish any information relating to a conaumer to any conaumer rwporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.