23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

HSA Bank and Webster Bank manage my HSA ( Health Savings Account ) account. 

On XX/XX/24 I asked XXXX to initiate a transfer of assets from my HSA from HSA Bank to XXXX. They faxed the required information to HSA Bank, but HSA Bank did not respond. 

XXXX faxed again on XX/XX/24 and the request was ignored. 

On XX/XX/24 I called both XXXX and HSA Bank and confirmed the correct fax numbers and account information. XXXX re-faxed the information on this day ( XX/XX/24 ) again and the request has been ignored. 

On XX/XX/24 I called HSA Bank again to understand why the transfer of money had not taken place as instructed. I was put on hold and then hung up on.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at ; XXXX XXXX XXXX opened on XX/XX/XXXX with {$5400.00} as closed balance, XXXX XXXX XXXX opened on XX/XX/XXXX with {$2100.00} as closed balance, XXXX XXXX  XXXX opened on XX/XX/XXXX with {$2200.00} as closed balance, XXXX XXXX  XXXX opened XX/XX/XXXX with {$7100.00} as closed balance, XXXX XXXX XXXX opened on XX/XX/XXXX XXXX {$8500.00} as closed balance, XXXX XXXX - XXXX XXXX  opened XX/XX/XXXX with {$12000.00} as closed balance, XXXX XXXX opened XX/XX/XXXX with {$17000.00} as closed balance, XXXX XXXX XXXX ( XXXX XXXX XXXX  ) as collection with {$900.00} as closed balance, XXXX opened XX/XX/XXXX with {$9200.00} as closed balance and an Auto-Loan with XXXX XXXX  XXXX with {$86000.00} XXXX XXXX XXXX. Inquiries appearing on my credit report ; XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported ( ). The aforementioned accounts and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of a police report with report # XXXX and an FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I recieved a letter from Military Starr Card about a credit card approval. I never once opened an account with that company and now it's showing up on my account and with a new address in XXXX WI. I have never lived there so i dont know how this happened. I want it removed from my report and that address removed as well.
Product: Debt collection

In XX/XX/XXXX and again in XX/XX/XXXX Portfolio Recovery called me at XXXX XXXX, call my work after I told them no, and said I would get sue for fraud if I didn't pay a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reports that I was 30days late XX/XX/XXXX and XX/XX/XXXX, which is incorrect as outlined below : Payment due date was XX/XX/XXXX - payment was received and posted to my account XX/XX/XXXX - Payment due date was XX/XX/XXXX - payment was received and posted to my account XX/XX/XXXX. 

I have asked them repeatedly to remove the more than 30 day remarks as the payments were NOT 30 days late, which negatively effects my credit score. 

The account is current with XXXX balance. When I spoke with a resolution customer support individual at XXXX XX/XX/XXXX, I was told that there was no incentive to remove any derogatory remarks since the account had a XXXX  balance regardless if it was accurate or not.
Product: Credit reporting or other personal consumer reports

XXXX.2024, All they did was updated and did not remove from my credit ( see attached ) Original request to remove these items that are in Violation of Code US1692g Code 604 15 USC1681b and 15USC1681C-2 Repo : 15 USCode 1635, 15USC Collection companies that I have no business with neither gave my signature or permission to report any thing to my credit. Inquires that I have no knowledge of. repo reporting has an open account with a balance. Together XXXX reporting a huge balance on charged off account Those items are creating XXXX in my life
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX, XXXX, XXXXXXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX  on my Acct # XXXX is fraud. XXXX XXXX, XXXX, XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have no supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, therefore any such debt, in fact does not exist. In accordance to the fair credit reporting act, this account has violated my rights as U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

I ALSO DO HAVE AND DO NOT RESIDE AT THE ADDRESS IN WHICH THESE COMPANIES PROVIDED THUS IS ILLEGAL WITHOUT MAIL VERIFICATION TO REPORT INACCURATE INFORMATION ON MY BEHALF
Product: Mortgage

After requesting a refinance, we met with a Wells Fargo Bank Officer, with whom we did not find favor. We had paid our loans down, the interest rate was low, a refinance would have solved our entire financial difficulty, met all our financial goals providing for our family, serving our patients in full capacity. 
While The Courts ordered Wachovia/Wells Fargo to pay the expenses and apply the rents toward our promissory notes, Wachovia/Wells Fargo referred all the tenants back to us for repair, maintenance and all aspects of management issues. 
Wachovia/Wells Fargo led us to believe that by us paying the expenses, we will obtain a clear title in our names for our properties in a very short time. Therefore, we borrowed monies which added up to the equivalent of what we owed on our notes to Wachovia/Wells Fargo. 
In addition, Wachovia/Wells Fargo did not apply the rents to the XXXX/promissory note as ordered by The Courts ; accordingly, we paid the XXXX from our own personal funds. Moreover, Wachovia/Wells Fargo hindered all our abilities to refinance and would not provide us or other Banks with the pay off on our loans. 
The time Wachovia/Wells Fargo refused to return our calls was the same time we discovered Wachovia/Wells Fargo selling our notes to a client of a tenant in the Wells Fargo Bank building. 
Attached, please find Court documents ordering Wachovia/Wells Fargo to pay the expenses and apply the rents to the promissory notes ( XXXX of the notes is the XXXX loan ). Also, please find supporting documents for some the expenses we paid on behalf of Wachovia/Wells Fargo. 
Also attached, please find supporting documents to get alternative financing, paying for title search, closing cost, etc. However, there is the issue that the note holder hindered all our abilities to refinance, following the same path of Wachovia/Wells Fargo. 
Now in our sixties, after we put all what we have earned to pay down our obligations, to secure future for our family ; the Bank handed everything we earned, our investments and the dividends on our investments to a client of a tenant in the Wells Fargo Bank Building ; leaving us with an accumulated debt of millions of dollars, and without our medical building and pension fund building.
Product: Mortgage

I recently refinanced my mortgage through XXXX XXXX. That part was a great experience. After 3 mos, they transferred the servicing to Seterus, Inc. WHAT A NIGHTMARE IT HAS BEEN EVER SINCE!!! 
First, they unnecessarily, without my knowledge, added flood insurance to my loan causing my payment to increase. Let me emphasize, WITHOUT MY KNOWLEDGE. I only found out about the added insurance when I received my annual escrow analysis. When I contacted them, to have the insurance removed, as I pay for flood insurance through my XXXX, they made me jump through hoops, but I finally got it removed. Seterus still required me to pay the increased monthly payment for 2 months and I have not seen that money returned in any way. 
Secondly, I have never been late on a payment. As a matter of fact, I pay, through my banks automatic bill pay, on the XXXX of the month, for the payment due the subsequent month on the XXXX, just to make sure it gets to them on time. Since the Insurance fiasco, they have, for the past 2 months, sent me letters, along with phone calls that I am late! I have sent them proof of payment from my bank. In addition, I have been on the phone with them at least XXXX times regarding this situation. The last time I was told by the representative that she has not idea why they keep contacting me as she saw all my payments and told me that a " ticket '' has been open for several weeks to correct the problem and " was n't sure why it has n't been corrected ''. I am at witts end with this organization. It appears that one hand does n't know what the other is doing. I can assure you, I am not alone. Just XXXX Seterus and read about the complaints! Please I need your help!
Product: Debt collection

This Complaint is to address the false information being reported against me, as well as the unfair practices by Capital Accounts LLC. 
1. Date of Delinquency is being reported as XX/XX/XXXX, however, this is not the date I was seen or service performed. My records along with the records from my insurance company report DOS XX/XX/XXXX. 
2. At the time of service, I paid {$81.00} as instructed by the office manager, prior to any services being rendered. When the dentist filed a claim with my insurance on XX/XX/XXXX ( 7 days before the day being reported ) it was in the amount of {$130.00}, my insurance paid {$68.00}, with my responsibility being {$67.00}. This means Dentist office owed mt {$14.00}. 

3. A debt collector has been changing the amount owed every month since it has been reported XX/XX/XXXX. 
4. No one has ever sent me anything validating this debt. However I have been denied credit on account of this UNLAWFUL Debt, & it has taken my credit score down every month since XX/XX/XXXX That is 5 years anywhere from 3-6 points over the past 72 months. 
I will be contacting an attorney over this, I demand a response validating this debt, the amount and how you justify changing the amount every month for past 82 months, and where you attempt to contact me about this debt I do not owe. 

According to the Fair Debt Collection Practices Act, Capitol Accounts is in violation of the following, but not limited to ; 808 ( 1 ), 809 ( a ), 809 ( 1 ), 809 ( 3 ) & ( 4 ) *this is not an exhaustive list, many other violations
Product: Credit reporting or other personal consumer reports

I am in the status of trying to repair my credit and purchase a home and I saw that the company XXXX XXXX XXXX has reported a charged off status on my on XXXX and Experian credit report, but the company did not send me a copy of the 1099-c form. I have notified XXXX by writing several times for a copy of the 1099-c. As of today 's date I have not received a copy since 2018. Due to this being on my credit report the creditor is causing more financial hardship by violating the FCRA by not providing an option for me to dispute this creditor of my credit report.
Product: Credit reporting or other personal consumer reports

RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. 
HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : ACCOUNT NAME- XXXX XXXX ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602A, states I have the right to privacy.

15 U.S.C 1681 Section 604A Sec.2, states a consumer agency can not furnish an account without my written instructions.
Product: Credit card

In about XXXX XXXX, I went to XXXX XXXX XXXX for XXXX XXXX which they said is free and complimentary. They took some photos. No consultation was provided, I didn't see any doctor. They didn't tell me any process nor procedure about how my teeth will be fixed. They asked for my insurance, and I informed them that I didn't have any. 

They provided me with a XXXX  speaking agent which made me uncomfortable and she forced me to sign a paper saying that it's only for care credit application because I don't have any insurance. Even though I specifically informed them I'm NOT ready for their services. She assured me that I will not be charged until I decide. Though this was my limited understanding from a language I don't speak nor fully understand. 

I was charged XXXX $ for complimentary XXXX  with doctors and other reports which they claim for free as complimentary services on their website. No doctor ever checked my mouth nor my complicated case for aligners. 

I discovered through other online complaints that they were about to sell me retainers for the price of aligners. And that they have conducted similar fraud of XXXX $ and XXXX $ under the garb of complimentary services. 

The agent made me sign a paper while distracting me about care credit process in a language I don't understand. She forced me to sign the care credit application without explanation and without any doctor 's services. According to them, I signed a contract while I was signing the care credit application. How can I sign a contract under credit card application without my knowledge which was apparently explained to me in a language unknown to me? I requested an English speaking agent about which they were rude. 

They provide a fake invoice for services which was listed as free and complimentary on their website at the time of my visit. 

Complimentary Services as mentioned on their website are provided from sales representative who claim to be doctors. 

After many visits, requests, phone calls and multiple emails they sent me a fake invoice. I request to receive my XXXX $ back from them which they charged without my knowledge. 

A branch manager named XXXX is well aware of the fraud and had promised to call back with a resolution after our last conversation on XX/XX/XXXX. We have followed up multiple times since then via phone and email but she continues to avoid us and they continue to provide the fake invoice and fraudulent contract. 

I guess care credit is in collusion with then because despite having provided them with all the evidence of this fraud, they continue to bill us and don't dispute our case as required. 

They also tried to cheat my wife by first saying she needs XXXX  for XXXX $ and then need braces for XXXX . No doctor was provided. Their confusion and our language barrier was one of the reasons we didn't want to sign a contract. But they claim we signed a contract. We are not sure how we signed this supposed contract when we were told that we are only signing care credit application due to none of us having an insurance.
Product: Mortgage

I reached out to Loan Depot in early XX/XX/XXXXabout going on a Forbearance plan due to Covid-19. I was approved, and as you can see from the documentation, the forbearance plan was to begin on XX/XX/XXXX. However, the company still processed an automatic withdrawal from my bank account in XX/XX/XXXXfor my mortgage payment, despite the fact I was on a forbearance plan. I reached out to Loan Depot and was told nothing can be done, which I feel is unfair and against the point of the forbearance plan. Please note that the date on the attached letter from Loan Depot is NOT the date I contacted Loan Depot about needing a forbearance plan. If they knew there was no way to cancel the payment their system processes, they should have began the forbearance plan in XX/XX/XXXX.
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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX  : XXXX, XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 or other personal consumer reports

I am filing an urgent complaint against XXXX for their clear disregard of the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The inaccurate and unverified account reported by XXXX has significantly damaged my credit score and financial standing. This has led to considerable hardship, including challenges in obtaining credit, increased interest rates, and substantial stress. The actions of XXXX has caused undue harm to my financial reputation and stability. Despite my efforts to resolve this matter directly with XXXX, XXXX and Equifax credit bureaus, the incorrect information remains on my credit report. Please review the enclosed documents and conduct an investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I agreed to make the full payment if the credit card removed the delinquency from my report when I was informed they rejected the original payment I made by the payment due date. I submitted FULL payment but now the company is refusing to removed the delinquency from my credit report
Product: Credit card or prepaid card

I was in a XXXX XXXX XXXX XXXX store around the end of XX/XX/2019. I bought something and a store member asked me something about a rewards card. I said ok. They asked me to say my social security number to a representative. Around two weeks I got a credit card. I did not know why I had a XXXX XXXX XXXX XXXX credit card. 
I read the letter it said I can get my credit card closed within 30 days if the credit card was opened by telephone and I dont want the card and the charge on it will also be wiped out. I called then once. They argued and said it was not possible to do that. Basically I told them there I will pay off the card and requested they close my account because they were difficult and wouldnt follow the rules. I later called back because it was not closed after I paid off my balance. I asked them to again close the balance. I think they said ok. A month later I complained through their internet portal, and they gave me an response in the attachment. I looked today, my website still shows my credit card as active. The purpose of this complaint is to See if my credit card account with XXXX XXXX XXXX XXXX closed or if it isnt can I please get it cancelled and removed, because I believe I did not compliantly and with knowledge open this account, and they did not do their job properly in every sense of the way.
Product: Debt collection

Company is reporting two 30 day late payments on my account.Please be further advised, I dispute the validity of the alleged late payments in its entirety. Further I request verification of the alleged late payments.As per the law, cease and desist all collection activity, including credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXk # XXXX ; Missouri Child Support # XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX ; has violated my rights.

15 U.S.C. 1681 section 602 ( A ) ; States I have the right to privacy.

15 U.S.C. 1681 section 604 ( A ) section ( 2 ) ; Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I received a collection notice from EOS CCA in XX/XX/XXXX to XX/XX/XXXX claiming I owed a debt to XXXX XXXX XXXX for {$150.00}. The debt was reported to XXXX and XXXX. I disputed this debt through XXXX and XXXX claiming the debt was not mine around the same time I received the notice of an attempt to collect a debt. I have never received services from XXXX or XXXX at any point. EOS CCA did n't respond the inquiry and as a result XXXX removed the debt. That was around XXXX XXXX to XXXX XXXX. I thought this was resolved. Now, fast forward to XXXX XXXX and I am receiving a notice of collection placement from EOS CCA again stating they are attempting to collect a debt for {$150.00}, which is the same debt I successfully disputed and had removed from my credit reports. I need help with resolving this matter.
Product: Credit reporting or other personal consumer reports

XXXX. I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX. XXXX XXXX XXXX Account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX and XXXX - XXXX XXXX XXXXXXXX, has violated my rights. 


15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Ive found incorrect hard inquiries on my credit file that I did not permit. These inaccuracies violate 15 USC 1681c-2 and are negatively affecting my credit. Kindly remove them.
Product: Debt collection

In received an offer to settle for 70 % of my XXXX debt throughout a XXXX party collection firm and I made the payment as offered but after few moths a different agency came back to me for the remaining portion of 30 % of the debt and now this debt is shown in my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/year>XXXX XXXX XXXX Is incorrectly Reporting a {$200.00} debt on my credit report that I do not owe them. I will not acknowledge any collection agency and will only deal with Original Creditor. If there was a debt owed it was paid to the original creditor.