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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXXXXXX Balance : {$4800.00XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Date of inquiry XXXX XX/XX/2021 XXXX XXXX  Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021
Product: Debt collection

Global Receivables Solutions is attempting to collect a debt I have on a medical bill from XXXX XXXX XXXX XXXX, and have been doing so for the past 2 years. 
However, I am already paying this debt back through a different agency called XXXX XXXX XXXX XXXX XXXX, and my account with them is open, in good standing, and has been since XX/XX/XXXX and has not been transferred to any other agency. 
This is the third time Global Receivables has attempted to collect this debt, and the third time they have been able to attach a collection notice to my credit report. 
On Friday XXXX XXXX, 2016 the most recent collection was removed from my credit report after I filed a dispute. However, XXXX XXXX, 2016 the notice is back. 
This needs to be corrected immediately, and I would suggest that the FTC look into this companies practices for debt collection.
Product: Checking or savings account

I have a business and open a savings account at the bank. a bank account for the company. They never sent us the cards. We put money in the account and without the cards we can not transfer or withdraw the money. We haven't been able to get the money for 2 months now.
Product: Checking or savings account

PNC closed my account out of the blue on or near XX/XX/2019. I had applied and received a loan from XXXX for XXXX that I needed for car repairs on XX/XX/XXXX. This is a higher interest loan but I needed it badly. It was deposited into my account on XX/XX/XXXX. 

PNC closed my account without notice. They said they would send my balance ( the XXXX dollars that was direct deposited from XXXX ), within 10 days. Never received it. They sent a letter saying they would send my balance once all pending transaction cleared and settled. This was 2.5 months ago. 

I now am wayyyyyy behind on payments to XXXX and never even got access to my funds. PNC refuses to send my check for the balance they are STILL holding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an ongoing dispute with the credit reporting agency Experian for over 6 months now with no results as to my dispute. I am informed by the dispute department representative that it is being fix the understand the problem and still nothing has truly been resolved. I have submitted documentation on numerous occasions via uploading to portal, via certified mail and proof of certificate of mailing. I have been informed that all documentation has been received however no resolution to my dispute. My personal credit report is being crossed with a name that I have never used and need it removed from my credit report. Incorrect information on my report Please refer to the two credit report numbers with different names but all my information XXXX ; XXXX ( wrong name, which creditors believe is fraud, incorrectly shows no credit history ). Creditors run my report and it states I have no credit score when in fact I have a credit score of XXXX when last checked. I was informed by the dispute department that I needed to contact my creditors and inform them as to their reporting to the credit reporting agency. I have done this with all my creditors and was informed by each of them they are reporting my name exactly how it need to be. This has been a very frustrating experience has hurt me in regard to making some financial changes. this is the only credit reporting agency that I have this problem with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I TRIED TO FIX THIS PROBLEM THAT MY SON HAS THE SAME NAME AND ADDRESS THAT I HAVE HIS STUDENT LOANS ARE REPORTING ON MY CREDIT FILES. MY SON IS NO LONGER HERE HE XXXX XXXX. I ALSO HAVE FRAUDULENT ACCOUNTS SHOWING ON MY REPORTS.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to XXXX XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and XXXX XXXX with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting 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. 

XXXXXXXX XXXX XXXX # XXXX XXXX ; XXXX # xxxxxxxxxxxxx XXXX ; XXXX XXXX XXXX, I # xxxxx XXXX ; XXXX XXXX XXXX # xxxxxxxxxxxx XXXX ; XXXX XXXX XXXX # xxxxxxxxxxxx XXXX ; XXXX XXXX XXXX XXXX # xxxxxx XXXX These accounts have violated my rights. 

15 U.S.C. 1681 section 602 ( a ) ( 4 ) states the consumer has the right to privacy.

15 U.S.C. 1681b section 604 ( a ) ( 2 ) states : a consumer reporting agency can not furnish an 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 of 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 have contacted this credit reporting company about the accounts, charge off accounts, and collection account ( s ) listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX  ), specifically 15 U.S.C. 6802, which governs the privacy and sharing of consumer information. This company is reporting fraudulent inaccurate information on my credit report. Also they have accounts listed as ( CHARGED OFF ) I have never been provided a ( 1099-c ) tax form. I asked how can they show ( CHARGED OFF ) and report a balance? I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if I opened said accounts and if said accounts belong to me. They responded as " account verified '' I asked for proof of how they verified these said accounts. I have yet to receive proof of debt validation from this company. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with XXXX XXXX, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, XXXX XXXX  XXXX Furthermore , both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions. Inquiries that I have not authorized also have affected my credit standing Inquiries that I have not authorized also have affected my credit standing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have a XXXX issued by Fifth Third Bank. I noticed I was double billed by XXXX a few days back and it prompted me to further look at charges over the last few statements. I found other charges from XXXX that were not from me. I called the bank to dispute the charge and was told they could not dispute 3 of the 4 charges because " she did not have a drop down box that gives the most appropriate reason for the dispute ''. These are charges I did not make and the bank rep would not even initiate a dispute on my behalf.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX  - Account XXXX XXXX  - Account XXXX XXXX XXXX  - Account Number : XXXX XXXX  XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX - Account XXXX XXXX - Account XXXX
Product: Debt collection

I called them and told them I was on XXXX at the time and XXXX XXXX already new this I gave them my insurance information when I was there and this collection company said I have to contact XXXX and prove it um no XXXX XXXX already had all this information the day I was in there
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are XXXX  XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX XXXX**** ( Original Creditor : XXXX XXXX XXXX ) XXXX**** XXXX XXXX**** Hard Inquires Type of Business Date of inquiry Credit Bureau XXXX  - XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX  XXXX  XXXX   Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX  XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX   XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX  XXXX XXXX  AND XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX   XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX Bank XX/XX/XXXX TransUnion If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.
Product: Debt or credit management

Lexington Law has done ABSOLUTELY NOTHING to aid in credit repair. Lexington Law credit repair professes false claims toward assistance with credit - never being available for communication nor being available to answer credit counseling questions. The money that Lexington Law credit takes from its members is both unacceptable and unconscionable! Lexington Law doesnt even provide the basic assistance with getting 10 year old debt removed of debt removed that can not be validated. More importantly - whenever a consumer complains about Lexington Law credit repair - to reputable agencies like the XXXX, Attorney Generals Office, or the CFPB - Lexington Law retaliates and cancels the consumer contract for doing such complaints.
Product: Vehicle loan or lease

Account has been paid of in full years ago. My wife made a complaint against this company regarding inaccurately reporting info on our credit reports. The company was removed from my wife 's credit reports through the credit bureaus but it was removed from my credit report. The account was a joint account with both names, XXXX XXXX and XXXX XXXX. Please remove from account.
Product: Credit reporting or other personal consumer reports

Hello I sent in a report and haven't heard from the two credit companies as of yet and it's about a month. Experian XXXX and XXXX XXXX. If they haven't found out the truth then they must remove the items from my credit report
Product: Credit card or prepaid card

I was a victim of fraud and I informed my credit card company of the fraudulent charge made on my account XXXX   months ago. I then petitioned them for a full refund after said investigation providing them a copy of the police report in which the whole case is laid out. After providing them with everything they requested they refused to investigate and remove the fraudulent charges from my account. This has impacted my XXXX XXXX greatly and my ability to pay my bills.
Product: Credit card

I pay {$700.00} to my USAA visa credit card on XX/XX/XXXX, and it is not reflecting on my credit score. They said every thirty days they report to the credit bureau but I still do not see it reflecting on my score its been over 30 days. The VA has given me an opportunity to get a house loan but wanted me to take care of this card to lower my balance on this card and my XXXX card, I did and I score dropped XXXX points. since XX/XX/XXXX 87 % of the time I have been paying regularly money coming from my account but my score never reflects. I am at a lost I do not know what to do. PLEASE HELP ME, I am trying to understand all this credit issues thank you, consumers struggle to make ends meet but we continue to drown because we do not understand the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

On or around XX/XX/2022, Midland Credit Management served me court papers suing me for a debt they attempted to collect on. Subsequently, they garnished my wages for the full amount of the debt over two pay periods in XX/XX/2022. 

On XX/XX/2022, I filed a motion to dismiss the case and have this item removed from my credit reports. Midland Credit Management did not show up for the court hearing on XXXX XXXX, XXXX  at XXXX. The judge did not immediately dismiss the case, even though I showed proof of the garnishment. 

Instead, the judge held the case over until XXXX XXXX, XXXX, which was the original hearing of the suit filed against me by Midland Credit Management. I did not attend the hearing as I had already satisfied the garnishment suit. Also because I could not get time off from my work. 

The case was dismissed/ closed as it was evident that the garnishment was satisfied. However, during the course of several weeks leading up to XXXX XXXX, XXXX, Midland failed to update my records with the credit bureaus and still has not done so. This has caused irreparable harm to my credit standing and has negatively impacted my credit scores and rating preventing me from getting any kind of loans or financing. 

I have filed a complaint with the XXXX XXXX XXXX XXXX XXXX  XXXX ) and the Virginia Attorney General 's office ( XXXX ) based on the predatory practices of Midland Credit Management and their constant violation of the Fair Credit Act and laws. I had also previously filed a complaint against them on this site. 

At this point, the credit reporting agencies still show the Midland Credit Management collection, but has reduced the amount owed to {$750.00} which is inaccurate.
Product: Mortgage

I had a mortgage with TD bank, which I always paid on time. Then I received a statement from the bank that the complete amount of {$230000.00} was due. I did not receive a warning letter or anything, just the balance due statement. I immediately contacted TD Bank and was informed that the loan had matured and was due. They advised me that these type of loans are illegal but that they had previously purchased it from another bank. I immediately started the refinance process with the same bank. In the meantime TD Bank sent me threatening letters and charge me a {$12000.00} late fee. I contacted my loan officer and was told that they are two different departments, and that there was nothing they could do. How can that be? It is the same bank. The loan has now closed, but not until I paid a {$12000.00} late fee, and my credit was knocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Was Deferred/Extension Granted For 2 Months ( XXXX XXXX, XX/XX/2022 ). 
However, I Notice 1 30 Day Marking On XXXX XXXX  While Extension Was GRANTED. 
I Did A Dispute w/Experian, XXXX + XXXX. 
Experian Has Now PUT XXXX & XXXX XXXX 30 Day Mark Dispute Results : Remove ONLY XXXX But Added XXXX. Month Of XXXX Pymt Was NOT Even Due. 
Contacted Creditor XXXX XXXX XXXX, Senior Account Specialist Stated They Were Unaware Of Any Chge And Stated To Contact Credit Bureau. 
XXXX 30 Day Marking XXXX XXXX  XXXX 30 Day Marking XXXX XXXX  I Sent Documentation From XXXX XXXX XXXX - Deferment/Extension
Product: Mortgage

Round Point Mortgage keeps charging us the wrong amount for our town taxes, they are stating the town is at fault. Our local town clerk has all of the documentation they have send the correct tax information year over year. They raised our mortgage said we where not paying enough into our escrow account, then said we are paying to much lowered our mortgage and gave us an escrow refund check, now again they are saying we under payed and have raised our monthly payment over {$300.00} a month. They also stated our PMI was falling off in XXXX now they are telling us XXXX even thought they have documentation our the previous customer service person stating it should be falling off in XXXX. Our mortgage this year went from XXXX to XXXX which we can not afford to pay they offered to spread out the shortage over 24 months to help lower the payment. My concern is whats going to happen next year? They overcharged us thousands for taxes one year even though the town mill rate proved we would not need to pay that much in tax, will they falsely raise our taxes again next year? We will no longer be able to afford our mortgage. With the increase this year we can barely make payments already. what are our options we need help. 

thank you XXXX XXXX
Product: Debt collection

I have repeatedly disputed the accounts XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$330.00}, yet your bureau continues to report them as verified. I have even gone above and beyond by contacting the furnishers of this information directly, as the FCRA provides, and they have failed to respond or provide any proof of the disputed accounts. Your lack of response is unacceptable and I am demanding that you immediately delete this inaccurate and unverifiable information from my consumer file. I have already sent multiple letters and have received no response. Your failure to comply with the FCRA can result in legal action against your company. I have already done everything in my power to resolve this issue, and yet the information still remains on my credit report. I will not allow your company 's negligence to continue to harm my credit score and financial well-being. I demand that you take immediate action and delete the disputed accounts from my credit report.
Product: Checking or savings account

THIS IS NOT A DUPLICATE COMPLAINT. 

Capital One is NEED to be held accountable for their actions. I need to know why as the customer, that I need to ask another company for a THIRD PARTY LETTER HEAD to prove an item that I thought I was purchasing. I WANT MY MONEY BACK!!!!! I will sue them if I have to, it's the principal of this. I paid for an item, it wasn't what I ordered, the website was bogus. I thought Capital One would have my back, they instead threw me way underneath the bus. I've attached my purchasing receipt, a picture of the original item and the picture of the item that I received. All I wanted was a refund for an item that I did not order ... NOTHING MORE!!! I'm livid that everyone is siding with Capital One on this and this bogus XXXX company that DOES NOT EXIST. I contacted the Ombudsman and I actually thought that this would give them a swift kick in the rear but it didn't. They're not giving you'll the full story and if I have to go a New Station and tell my story I will, someone will here from me.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> XXXX XXXX denied my Application based on the reasons below Thank you for your interest in XXXX XXXX. XXXX XXXX XXXX XXXX has reviewed your application, and it was not approved at this time because : You have recently experienced a charge off XXXX XXXX XXXX XXXX received your credit score from TransUnion Consumer Solutions. 
This decision was based in whole or in part on a report from the consumer reporting bureau ( s ) listed below. The bureaus themselves played no part in making this decision and are unable to supply specific reasons why your credit request has been denied.