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

XXXX XXXX XXXX XXXX XXXX, XXXX, Nc, XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Metro 2 Compliance Investigation Request and Dispute of Inaccurate Account Information Dear Experian, I am writing to formally dispute the accuracy of the following account information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account in question does not comply with the required Metro 2 reporting format, and I request a thorough investigation into its accuracy : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Account charged off, balance of {$1300.00} written off Credit Limit : {$1000.00} Highest Balance : {$1300.00} Balance as of XX/XX/XXXX : {$1300.00} Upon reviewing my credit report, I believe this account information contains inaccuracies that need to be corrected under the Metro 2 format for accurate reporting. Specifically, I am challenging the following aspects of this accounts reporting : 1. Charged-Off Status : The status indicates a charge-off, but the information does not reflect whether the account has been verified under the correct Metro 2 guidelines , including correct data points like the Account Status and Payment History.

2. Balance Discrepancies : The balance has been written off as {$1300.00} but still reflects an outstanding balance. There appears to be inconsistency in how this has been reported under the " charged off '' and " written off '' statuses, which must be clearly stated and resolved. 
3. Compliance with Metro 2 Standards : I request an investigation to confirm whether the reported data fields such as Account Status, Payment Rating, Payment History Profile, and Balance History are in full compliance with Metro 2 format, as required under FCRA and the Credit Reporting Resource Guide ( CRRG ).

I kindly request that you conduct a thorough investigation of this account and ensure all data fields comply with the Metro 2 format. If any inaccuracies or non-compliance with reporting standards are found, I request that the information be corrected or removed from my credit report. 
I have attached a copy of my credit report with the disputed account highlighted for your reference. 
Thank you for your prompt attention to this matter. I look forward to your response within the legally required 30-day timeframe. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

I have requested XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX. XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. Also. 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
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's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account Number : XXXX Balance updated XXXX XXXX, XXXX
Product: Debt collection

This company is in direct violation of the truth in lending act governed by regulation Z, the fair debt collection practices act governed by regulation F, and the trust indenture act. This company had my car taken for an alleged debt that they have yet to provide me with documentary evidence that I own them. As the consumer I dont agree with these terms in the contract and I have questions due to not being able to take the contract home to review the contract before signing. So I asked the questions? What was the security that was given? Who is the seller? Who is the creditor? is the creditor shown clearly and conspicuously? Is this a swap based agreement pursuant to 15 usc 77b-1? How is loan defined under the FDCPA? What proceeds did I receive from southeast toyota finance for the purchase of my securities? Can you show me where South east toyota signed the agreement making in valid between the the creditor and myself? Do you agree this is a contract? If this is a contract is it not a federal violation pursuant to 15 usc 1? What legal and lawful right do you all have to come steal what does not belong to you? How much was this swap agreement purchased for? Was your goal to liquate my estate to help increase your profits since we are under XXXX XXXX bankruptcy? What is a trust indenture? What law says that I have to pay an alleged debt? Can you send me a original copy of the credit application? Who much fraud do you all need to commit before you return my property and title.? What form of payment do you all accept for payment that is not listed pursuant to 18 usc 8? What specific personal information was used to open this account? What is my social security number used for? Was this purchased made for bailment? Can you define consumer credit contract pursuant to 16 cfr 433.1?
Product: Credit card or prepaid card

barclays and XXXX XXXX are in collusion with each other and is still being reorted on XXXX XXXX
Product: Mortgage

In XXXX of XXXX, I signed a retainer and have paid Not quite XXXX $ to this so called firm. I recieved a summons from my mortgage holder in XXXX of XXXX, when speaking with the Detective on this case he stated XXXX XXXX is in prison for embezzlement! XXXX XXXX XXXX me again to statell the XXXX court in XXXX XXXX is handling the case. When attempting to contact this said XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, recieved only the voice mail Full and unable to leave any messages. XXXX contacted XXXX XXXX, And he state that is the only contact info that he has!
Product: Debt collection

I continue to get threatening phone calls from Credence Resource Management who refuse to stop calling me even though I don't owe anyone anything and they were told that I am on the do not call list. Their number is XXXX.
Product: Debt collection

I moved from XXXX Mi to XXXX Mi XXXX XXXX 2015, never miss a months credit card payment ... late a time or to. On XXXX/XXXX/15 I open a saving and checking account aat XXXX XXXX XXXX. On that same day, went straight to XXXX county Veteran Affairs office. to ask if I could Please have my routing number and account number fax to the XXXX V.A. office in XXXX Mi. XXXX XXXX told me they operate on tax dollars and they could not do to much. I ask XXXX if he could just fax the info he turn and walked in to his office so i ask him to do his job. I went across the hall to the XXXX XXXX leage power of attoney XXXX XXXX. Said he really did n't quite know how do he got on the phone made a call .ask if the info was right and he would I explained I was great full cause it had to be in before XX/XX/XXXX. the secretary, XXXX and XXXX did n't fax it until the XX/XX/XXXX. So I had to miss a months credit card payment. Now it have collection angency calling late fees pilling up. what should I do it 's really not my err. they just did n't do there job.
Product: Credit card or prepaid card

In late XXXX, XXXX, I opened my monthly Home Depot account statement with a closing date of XX/XX/XXXX and discovered two charges on XX/XX/XXXX that I neither made nor authorized. The first charge was in the amount of {$1000.00}, the second was {$1200.00}, for a total of {$2300.00}. I immediately contacted Citibank, the card issuer, to report the charges and request a fraud investigation be conducted. I also directed them to close the account. I was advised in one of several subsequent conversations with Citibank 's Fraud Department representatives that the charges were made in " the XXXX ( TX ) area '' ( I live over XXXX miles from " the XXXX XXXX '' in a town north of XXXX, TX ) but they could/ would not tell me which store ( XXXX ) the purchases were made in, nor could/ would they tell me what was purchased. Incidentally, in-store and on-line Home Depot purchases are shown in the Home Depot app for at least 2 years - mine currently shows purchases made back to XXXX, XXXX - and these two purchases are NOT shown in my purchases history.

A couple weeks ago, I received a letter from Home Depot Credit Services dated XX/XX/XXXX advising me that their fraud investigation was complete, that they were rejecting my claim of fraud, and that I was responsible for the {$2300.00}. There was no justification given for the decision beyond " the facts and/or information reviewed ... does not substantiate the claim of unauthorized use ''. This is a terrible decision and I, an innocent consumer and long-time Home Depot customer who has spent many XXXX XXXXXXXX there over many years, am now being held responsible for purchases I neither made nor authorized. I have no reason - financial or otherwise - to purchase or authorize purchasing of items from Home Depot and then claim I didn't. Their decision is baseless, unfair, and frankly insulting. 

After receiving the XXXX letter, I've filed a police report with my local police department as well as this complaint with the Consumer Financial Protection Bureau in the hopes that Home Depot / Citibank will reopen and reconsider this grossly unfair decision.
Product: Checking or savings account

I had fraud happen to my bank of america account. A XXXX XXXX  of mine and her XXXX  deposited two checks into my account. The checks were claimed and I ended up in the negatives.I thought I fixed the problem and I left Bank of America just because I felt uneasy about the situation. A year or so later I tried to open a credit card at XXXX, and the bank associate told me I was flagged or banned for opening a bank account. I went to contact Bank of America again and they let me know I money owed {$1100.00} or so to the bank. I dont quite remember the reason, but I paid that and I tried to open an account again and it says I am still blocked. Even the bank associate said I see you did pay off your debt, Im not sure why you cant open an account .I just want to know what the issue is because I am trying to become a business owner and I need a stable bank.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I paid off my Federal Loan in full they sent me a letter saying the account is paid in full. Now im checking my credit report and they are saying that i owe over XXXX dollars.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several account that is reporting late payments inaccurately and I want to dispute the inaccuracy of this account. I have contacted the company related with this account, and they have confirmed that the late payments were errors and have agreed to update my account and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected this account on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. Please update the account : XXXX XXXX
Product: Credit card

I received a credit card in the mail on XX/XX/year> that I did not apply for at Capital One banking. I immediately reached out to their customer support number to get some answers. The first operator I talked to said she would not be able to help me unless I gave her my SSN. I refused to give that out because I dont even bank with Capital One nor have I ever had an account with them. She then referred me to her supervisor. I gave her the card numbers that was on the card I received in the mail and asked to see if she could tell me at least what date it was requested or how it was requested ( phone, email, etc. ) She said she could not provide me with any answers since I didnt want to give me information out therefore she couldnt see the account. I again stated that I do not have an account with them to begin with. She said the only thing she could do is file a report which then she asked for my name, DOB, address, phone number. I gave those to her and she then mentioned that I should file a police report and also report it here.
Product: Debt collection

My daughter is on my medical insurance, but she is an adult who is responsible for her own care. I have verified with my insurance company that having her on my insurance does not leave me financially liable for care she choses to receive as an adult. 

Furthermore, according to the debt collector my daughter provided the address of her mother, my ex-wife. So I have never received any notification or correspondence or requests to authorize treatment or pay a bill that I am aware of. 

I paid one bill for her for care received in XX/XX/XXXX and now they're expecting me to pay another for care in XX/XX/XXXX. They did not remove the old collection claim against me, though it is marked as paid. And they have kept the second claim against me in my name. I should not have a collection against me at all : again, I did not authorize treatment, I did not receive a bill, and the person who did receive treatment is my daughter, an adult who is financially responsible for herself. 

Furthermore, I've even tried to simply settle this on my daughters behalf, but the company says they can't remove a collection claim from my report. 

The collection company is AMCOL systems.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted trom an alleded identiv then. not ater than & XXXX  davs ater the date on receipt. I HAVE ATTACHED MY XXXX  REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Product: Debt collection

Hello Im filing this complained with you today. Im not sure if I marked the correct circles. This is the debt collector name PHOENIX FINANCIAL SERV the amount is XXXX it was for XXXX XXXX   XXXX. I was unaware that I owed this money I was in an accident in XXXX the XXXX was in XXXX I was under the understanding that it would all be covered by the car insurance XXXX was paid out over XXXX was paid to medical and I was never notified that I owed anything. I tired calling the XXXX  billing department they were less than cooperative. I moved back home to XXXX  and never thought about medical bills from that XXXX again as I stated I was not aware I owed anything. I am XXXX and XXXX  living off of XXXX trying to survive. I dont understand how they can ruin my credit when they never reached out to me til almost 3 years later. Please help
Product: Checking or savings account

On XX/XX/XXXX, I received two separate notices of Stop Payment Orders for checks dated XX/XX/XXXX. My account was charged {$20.00} for each stop payment. I have not initiated any stop payment orders for this account in a far back as I can remember ; nor has my co-account holder. First, let me state that my concern is not for the charges for the stop payment orders. These funds have been restored to my account ; but rather for the apparent lack of visibility, ability to track transactions in PenFed 's financial systems indicating a lack of an ability to audit transactions, and the apparent vulnerabilities in PenFed 's transaction/accounting systems. When contacted, PenFed attempted to research these stop payment orders and communicated to me the following information : 1. The  check numbers referenced in the stop payment orders are not in the current series of checks I am using. In fact, checks in this series ( XXXX series ) have not been used in about 30 years for this account. 
2. They can not identify the payees or amount of the checks in question.

3. Since the account was charged for these stop payment orders, the orders had to originate from within their ( PenFed 's ) system. Had they been initiated on-line, there would not have been the {$20.00} charge applied. 
4. PenFed can not identify who initiated these actions.

5. PenFed can not find the original transactions which triggered the stop payment orders.

I find this to totally unacceptable in a financial instituion. I believe this lack of accountability/auditablity to a major vulnerability and potentially leaves PenFed and its customers open to fraud.
Product: Mortgage

Made payments on XX/XX/2022 and XX/XX/2022 and UWM has not applied these payments to my account.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act convergent account 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 SECTION 2 it also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the fair credit reporting act convergent XXXX XXXX account 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 SECTION 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Several years, I trusted this person to pay my TD bank credit card bills and now TD bank wants me to pay the {$12000.00} dollars and I am not paying for that. XXXX XXXX says I have to pay the {$3.00}, XXXX because I trusted this person. I am so tired of getting the calls.
Product: Mortgage

I purchased a home in XX/XX/XXXX and my loan was purchased by Home Point Financial. The problem started in XX/XX/XXXX. Around XX/XX/XXXX I received a notification from a credit agency that Home Point had increased my balance. I was concerned so I tried to reach out to the company to get some answers. This is where the problem occurred. I called the number on their website and I spoke with a customer service representative who was unable to verify that I was a customer with Home Point. They transferred me to another agent who also wasn't able to confirm this information through any of my personal information or from the loan number that I receive on my bills every month. Their solution was that I must not have been a Home Point customer. I was frustrated but I called back when I had a printed bill in front me. The same thing happened. I was not able to get answers as to why my balance was reported increased ( even though I hadn't done anything ) which was frustrating but even more concerning was that no one that I talked to could give me any informatino about my account or why they were unable to confirm I was a customer with them. An customer service representative mentioned I must have been affiliated with another company and supposedly transferred me to that company. It was actually just another Home Point Representative who was also unable to verify my account.

I ended up giving up and getting logged into my online account and made sure my balance hadn't increased. I was satisfied with that since I had access to my account online.

I just tried to get logged into my account online and it appears they have changed their platform so all users ( including already registered users ) had to re-register. I tried to do this and again they said they were unable to verify my account.

I just want the service I deserve for paying for this service. I need access to my loan and I need to speak with someone who can help me within Home Point Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid the debt to the original company. I have called XXXX XXXX XXXX XXXX in XXXX XXXX, ks with no response and I have contacted central states recovery in XXXX, ks and they havent remedied the issue. It's been a month.
Product: Credit card or prepaid card

My account was abruptly closed because an auto-debit hit the account and there was insufficient credit to cover it. I immediately contacted the creditor that day and used another account to pay the amount due with no problem. Then Capital One sends me a cancellation notice. I called the number provided by Capital One and the service agent stated there was nothing he or I could do and the account was " permanently closed ''. This triggered a reduction in my credit score by XXXX points after months of my working to raise my score. I am a XXXX XXXX successful XXXX  who has always strived to do the right thing and I am being totally mistreated by Capital One. I do not care about the credit card, but demand something be done about the ding to my credit. This is simply unjustified.