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

After attempting to remove hard inquiries from credit report I was given multiple phone numbers to call an attempt to repair a negative impact on my credit this resulted in the problem not being fixed. Was informed to call the credit bureaus, XXXX XXXX and XXXX  to remove hard inquiries that appeared on my credit due to the fact that my credit was ran but never resulted in obtaining the product or service even though my credit was ran. Now months later the hard inquiries are impacting my credit and making it harder for me to get any products or services due to the hard inquiries. Experian and XXXX XXXX refused to do anything and claim they can not help me. I have sat for multiple hours on the phone with both bureaus going in circles on how to fix this I was informed I could fix it to then call the number they provided to then be told I can not fix it. I would like the hard inquiries removed because they are preventing me to obtain an auto loan on my own achievements. The past hard inquiries that are shown on my credit currently were an attempt to get an auto loan intern I was never approved there for these hard inquiries on my credit doing nothing but impacting my score and making it harder for me to get a loan for anything.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX DOB : XX/XX/scrub>XX/XX/XXXX TransUnion : XXXX XXXX XXXX, XXXX, PA XXXX RE : Correction to my personal information Dear TransUnion, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address. 


XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

Received numerous calls and messages per day. Agents threatened to go after my mother and her home. Agents threatened to garnish my wages and my mother 's wages. Agents refused to accept that I was unable to pay. They coerced me into liquidating my retirement fund at huge penalties to get them money ( I feared they were going to take my mother 's house ). Even after doing so to get into a payment plan, they have continued to call and ask for more money than the agreed payment plan. They have also on more than one occasion double charged my account for the same payment ( essentially attempted to take XXXX payments instead of XXXX in XXXX separate months, requiring me to contact my bank to get the second payments stopped ). This was done without my consent and without any notification.
Product: Debt collection

I, XXXX XXXX XXXX XXXX am, the consumer in fact 15 usc 1692a ( 3 ), natural person. 
CAPITAL ONE keeps sending me monthly statements with multiple logos and symbols which is a direct violations of the FDCPA under 15 usc 1692b ( 5 ). 

CAPITAL ONE failed and refused to disclose the name and address of the original creditor which violates 15 usc 1692g and misleading and unfair under 15 usc 1692e ( 11 ). CAPITAL ONE keeps demanding payment, and keep taking money from my account CAPITAL ONE made invalidated report to the consumer reporting agencies without my written consent which violates my privacy, under the FCRA which 15 usc 1681 ( a ) ( 4 ) and 15 usc 1681b ( a ) ( 2 ). 
CAPITAL ONE have used my credit card 15 usc 1602 ( i ) aka social security for its own benefits without having any authority for such use, which is an unauthorized use under 15 usc 1602 ( p ). 
CAPITAL ONE monthly statements showing a positive balance, constituted a Billing Error pursuant to 15 usc 1666 ( b ), failed to include a statement of extension of credit. Failed to disclose the creditor. 
CAPITAL ONE willfully violates 15 usc 1601, 15 usc 1611 for willfully not disclosing material fact regarding the alleged debt. Causing me harm and mental anguish, and I am being denied credit. 
CAPITAL ONE is harming my reputation, by reporting invalidated debt to the consumer reporting agencies which violates 15 usc 1692d ( 1 ). 
False or Misleading Representation by CAPITAL ONE pursuant to 15 USC 1692e ( 11 ) failed to disclose that they are attempting to collect a debt. 
CAPITAL ONE failed to provide the Notice of debt with the name of the creditor pursuant to 15 usc 1692g ( a ). 
( See attached file )
Product: Credit card or prepaid card

XXXX XXXX, XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX Chase Card Services XXXX XXXX XXXX XXXX, DE XXXX To Whom it May Concern, On XX/XX/XXXX, I received the enclosed 1099-MISC from your organization. It states that Chase bank has provided me with exactly {$600.00} in income. I did not receive {$600.00} in income from Chase Bank, and I have never received a form like this in the past. 

As this was an obvious mistake, I immediately called the phone number on the form, XXXX. On XX/XX/XXXX, I spoke with XXXX, employee # XXXX for approximately 55 minutes. Most of the time I was on hold. XXXX told me that they had no record of me receiving any income from Chase Bank. However, he said, that Chase Bank had no way to send out a corrected 1099-MISC. He suggested that I call the IRS and report the erroneously issued 1099-MISC to the IRS. 

I explained to XXXX that there is no one at the IRS to speak to anymore. He agreed and said he would research the issue and get back to me between XXXX and XXXX XXXX on XX/XX/XXXX with further guidance about Chases error. I thanked him. 

On XX/XX/XXXX, at approximately XXXXXXXX XXXX, the phone rang with the caller ID of JP Morgan Chase. I immediately and anxiously answered the phone. I heard a few clicks and then the line disconnected. 

At approximately XXXXXXXX XXXX, on XX/XX/XXXX, I called XXXX again, and spoke with XXXX employee # XXXX until about XXXX XXXX. Most of the time I was on hold. He repeated what XXXX had previously told me. Specifically, that there was no record of me receiving {$600.00} in compensation from Chase Bank. He also told me that he knows of no way that Chase can or would issue a corrected 1099-MISC. He also directed me to report Chases erroneous issuance of the 1099-MISC directly to the IRS. 

I then called the IRS at XXXX, and confirmed that the general public is no longer able to speak to a live IRS agent. 

I am now respectfully requesting that you submit a revised 1099-MISC to both the IRS and MO Department of Revenue that documents the fact that I did not receive any income form Chase Bank ( I have no accounts there - only a credit card ) in XXXX. 

Thank you for your assistance. I am looking forward to receiving the requested document. I am also looking to filing a report with the Federal Trade Commission, the FDIC and the Delaware State Attorney Generals office for tax fraud if you refuse to issue an accurate 1099-MISC in my case. Hopefully that will not be necessary. 


Sincerely, XXXX XXXX XXXX, XXXX XXXX, XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

These are unrecognizable inquiries, I don't know why my credit report was pulled for these companies. 


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

XXXX XXXX XXXX is reporting me a latte payment in my credit report when was not latte, XXXX  XXXX XXXX must to provide me it is right on XXXX and XXXX/ 2022 if not must to change this ustatus from Close / latte to Close/ never late.
Product: Credit card or prepaid card

Around my mothers passing I had relatives come pay their respects. I had a few people in my home, family members staying over. Moving forward I realized I was receiving emails of an upcoming concert I had no idea my card was charge for. As soon as I realized I reached out to Discover, during the many representatives I spoke too not one advised me to reach out to the merchant, Discover closed that account and send me a new card. After they concluded their investigation their claiming the person behind they theft is my sister. They said in order for them to remove the charge Ill have for file charges on my sister. I refuse because one my sister didnt go to any concert, also again because of people in and out my mom it would be hard to determine who made the charges. What I can say for certain that I didnt make the charges and been fighting this charge ever since.
Product: Mortgage

In  XXXX  we had a fire that gutted our home. Fast forward to a month ago the insurance company finally sent the insurance claim funds to Bank that holds our mortgage ( which in this case  is Loan Care LLC ). For the last three weeks we along with our public adjuster and contractor have been on the phone with Loan Care because they are refusing to release the funds. Please see the attached document with a detailed time line of the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX # XXXX is reporting a very old account to my credit report that needs to be removed. This is past the Nevada Statute of Limitations and I no longer owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX card showing past due when an arraignment was made and account is current, XXXX XXXX showing past due when an arraignment was made and account is current XXXX Visa showing past due when an arraignment was made and account is current. 

XXXX, XXXX card showing past due when an arraignment was made and account is current, XXXX XXXX showing past due when an arraignment was made and account is current XXXX Visa showing past due when an arraignment was made and account is current. XXXX XXXX XXXX  still showing on credit report even though it is told old to be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, I disputed an item that was fraudulent ( XXXX XXXX XXXX-acount # XXXX ) on my credit report with the three credit bureau XXXX, XXXX and Experian for this fraudulent account to be removed from my credit report. I asked for verification from XXXX XXXX which is self lender loan, to show me where I sign up for this account and how would this loan be paid for. I did not sign up for self lender and I placed fraud alert on my credit report So nothing else would come up on my report in my name fraudulently and addressed this issue with the credit bureau in my dispute letter that I don't know where this comes from. I also reached out to XXXX XXXX XXXX  and could not receive any information from them so I'm reaching out to the cfpb to get some resolution to this fraudulent account that was placed in my name.Because clearly this is identity theft and no one is helping me with this matter. I don't know how much wood this was a loan that was set up in my name fraudulently and apparently whoever did it made two payments out of a bank account that clearly is not mine. But I'm not getting any response from the three credit bureaus or XXXX XXXX XXXX. So I'm asking for an investigation to show me where I signed up for this loan and to have it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been stolen and someone has applied for credit to : US SM BUS ADMIN ODA I have contacted them and they notified me to contact Experian to remove the application from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this debt with XXXX multiple times and asked them to properly investigate this debt from portfolio recovery for {$3400.00} that is on my credit report. I sent a written letter to portfolio recovery requesting proof of this debt that it was opened by me as it was not. Portfolio recovery failed to do so, and XXXX has failed to investigate this debt properly under FCRA section 611. It is illegal for XXXX to continue reporting a false debt on my report. Portfolio recovery has never shown the copy of the government ID that was used to open this debt. If portfolio recovery has no proof of who opened this debt, how is XXXX saying it is valid? They are just asking portfolio if it is valid and accepting a yes as validation. I will be forced to take legal action with XXXX if they do not properly investigate and remove this from my credit report as this is not debt and was never opened by me. This has caused problems in my life for me and my family and XXXX should not be allowed to report credit when they do not follow the law and investigate debts on peoples account properly. XXXX is only helping these corporations with putting false debt on peoples account and ruining there lives. Please ask XXXX to show the proof that they got for this debt as they have never provided it to me as there is no proof because i did not open this debt.
Product: Checking or savings account

I am the recipient of direct XXXX  from Huntington Bank. I have a high net worth, high credit score, mortgages with plenty of money in the bank and no missed payments, overdrafts or late fees. I am a model customer that any bank would be proud to have. During a closing for a business building, I was asked in a rather snarky manner from a XXXX Huntington bank closing person if I was there as a security person, in front of my real estate agent and others in the closing meeting, which was inappropriate and directly XXXX since I am XXXX American. Within 30 days after this encounter, I received several letters from Huntington Bank in XXXX, OHIO informing me that my business accounts, personal and savings accounts would all be closed. Upon follow up phone calls, I was told NOTHING! I did further research and I can see that Huntington Bank has called the police on XXXX customers trying to cash checks, have denied loans, talked poorly to XXXX and have discriminated against XXXX Americans. This is unacceptable, and I am in the process of filing complaints with the Federal Reserve. XXXX Huntington Bank! 

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

I am a victim of identity theft. The XXXX  item on my credit report is not my account, I did not open or authorize this account. this is a fraudulent account. or some type of error that Equifax has made
Product: Checking or savings account

I have communicated with USAA in writing and by telephone for almost two years regarding USAA Bill Pay. All of my complaints have been met with sympathy and promises to " look into the situation ''. All of my correspondence, phone calls, and faxes to USAA have been kept. Yesterday, I notified USAA that for the second month in a row, my payment to XXXX XXXX did not arrive. XX/XX/XXXX payment was never received by XXXX and to date, XX/XX/XXXX payment has not been received. Payment was due on XX/XX/XXXX. The USAA representative I spoke with said that XXXX payments were being sent electronically however for the last two months a decision was to make payments to XXXX by check. USAAs policy reads, Payments are issued electronically when possible, which takes 1 to 2 business days to process. For billers that don't accept electronic payments, a paper check is mailed through the U.S. Postal Service, which  takes about four days for delivery. XXXX continues to accept electronic payments, so why would USAA decide to mail checks in lieu of electronic payments when their policy states otherwise? The USAA representative initially said that XXXX was to blame suggesting they take longer to process checks once received. He is incorrect. XXXX processes payments on the same day the payments are received. The USAA representative also told me that USAA does not reimburse customers for the late fees they incur. Clearly, USAAs policy states otherwise. If the payment doesn't post on time, we'll cover up to {$50.00} in late fees, penalties or related finance charges. Over the course of two years, I incurred more than {$50.00} in late fees and interest. Therefore, I expect USAA to comply with their written policy and reimburse me no less than {$50.00}.
Product: Debt collection

Conn 's HomePlus is constantly harassing me over a debt that is not even excessively late. My payment is approximately 17 days late. My fiance has been critically ill in a XXXX in the past XXXX days and was in the XXXX  a total of 25 days. This understandably so has put me in a bind. I have repeatedly expressed to Conns that I will pay them as soon as possible but they continue to call from a different phone number every day at least a DOZEN times per day. I am a long time customer and the harassment is absolutely ridiculous. It is getting in the way of a already very stressful time and is beyond excessive!
Product: Mortgage

I have filed a complaint against XXXX to which they replied in a complete wrong. I have provided them with taxes, hardship letter, divorce, quick claim deed AND a new application. Just yesterday they sent me a letter asking for this information. They did not include a request for the quick claim deed ( Which I sent XX/XX/XXXX. ) They are asking for information over and over from my ex-husband who should have been taken off the loan/mortgage. IF they are behind in paperwork they can own that. BUT looking at dates and timelines. I sent them a divorce decree XXXX XXXX, XXXX. This process began in XXXX in my name. XXXX XXXX. 
I would aslo like to add a PS that this company did charge over {$5000.00} in past legal fees as well as attempted to foreclose on this house in XXXX. Although they claim to want to help people it is my experience that they bully and torment clients to the point of exhaustion and come in for the kill. 

At this point again XXXX they are ashing me for yet again a new stat on the paperwork.
Product: Credit card

I had XXXX accounts with SYNCHRONY BANK. XXXX  and ASHLEY HOME STORE. 
I paid off the XXXX in FULL in XXXX. It currently has no balance. 
I have had my hours cut from my job since XXXX. 
I paid the SYNCHRONY ASHLEY account {$66.00} on XXXX XXXX in a good faith effort to keep current on payments even though I do not know how I am going to pay my rent. 
Last night they just arbitrarily closed my account. 
I had a job interview with the courthouse last week. 
Employers check your credit as a criterion for hiring/employment. 
Despite my having paid my XXXX account with XXXX they are considering me a high risk. 
I have the intention of paying the rest of this ASHLEY HOME STORE account just as I did with the XXXX. My advance payments on the XXXX do not seem to count as a positive for my evaluation even though they are BOTH through SYNCHRONY. 
Closing the account has brought my score down to XXXX points. I will NOT be hired for a job with this issue. So it will CRIPPLE me financially because I will not be able to pay any bills if I can't get a job. 
No one contacts you to see if you can pay, the effort I did make on XXXX doesn't seem to make a difference. I just want the account to be reopened so it doesn't hurt my credit so I can get a job and continue making payments. 
The system is rigged against us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its a derogatory account on my credit report name XXXX XXXX stating that I owe {$130.00} in collections which is incorrect because my account is still active and open with XXXX  who illegally sold my information as debt when it is not debt and no balance is owed because my account is still active and open!!!