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

XXXX XXXX account number # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Mortgage

On XXXX XXXX, 2015 At approximately XXXX-XXXX, I answered my cell phone however there was no response from the caller. I immediately checked the call in to determine the source. It appeared to be HSBC. I placed a phone call to the number and reached XXXX XXXX, HSBC Home equity-line of credit representative. I asked about the nature of the call. XXXX indicated that this was an inquiry to see if I would be able to make a payment on the loan to bring the account current. XXXX, stated further " that during your financial interview on XXXX/XXXX/15, the information the information collected did not meet certain requirements. I stated that during the week of XXXX XXXX, 2015 I spoke with XXXX XXXX the account manager handling, the mortgage modification request. XXXX further informed that I was no eligible for the modification. This was determined by lack of income. I inquired what the income level needed to be. She stated based on the financial statement your previously provided you are not eligible. That seemed odd since HSBC approved a modification of my first loan which improved my income cash flow by more that {$600.00}. I stated to XXXX that I will inquire further to address this concern. On XXXX XXXX, 2015 I spoke with another HSBC representative XXXX. She stated that there is an option to enter into a payback option. This payback option was described in XXXX parts. The first option is XXXX % at XXXX An additional option at XXXX % XXXX and a final option at XXXX % XXXX. I asked could she send this in writing. She stated no they can not do that. This all seems very odd. No one from HSBC is willing to send forward in writing. I am not asking for a fair review. I am asking for a investigation of this matter. This is my 3rd complaint submission against HSBC. For HSBC not to send this tentative agreement of terms in writing, is not a sound business practice. It also appears that HSBC has taken the position to close the home-equity line of credit. I suspect a reconciliation of payments with the amortization schedule will show discrepancies of the principal owed and the payments applied. I asked that my previous complaint submissions be re-opened to address my concerns. 

I have taken the appropriate steps with credit counseling and made substantial cuts in family budgets and expenses. I am also working to resolve issues with other creditors. My original concerns with the modification process is multiplied by several representatives being assigned as my case manager. It was acknowledged that several documents were not sent to me in a timely manner and that their computer fax system does not always update information properly. The initial case manager on my XXXX and XXXX loan modification XXXX XXXX informed me that my original submission went into their processing system satisfy the first loan mortgage modification and not the second.
Product: Debt collection

Comenity bank has not stopped calling me for over 6 months regarding debt that is not mine. I do not know how they got my number. They are harassing me calling at all hours of the day from different numbers. I have blocked multiple numbers and they keep calling me from new ones. I do not know the person they are trying to collect debt from and I have repeatedly stated this but they keep calling. The most recent number they called from was XXXX ( XXXX ) XXXX and I let them know I would be filing a complaint for abuse with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft pursuant to 18USC 1028A, I'm requesting XXXX, XXXX, & Experian to remove inquiries that I deem as alleged fraud. Pursuant to 15 USC 1681c-2 which states these inquiries must be deleted within 4 business days of receipt of identity theft. These inquiries must be removed : These inquiries are attached to the FTC ID Theft Reports enclosed.
Product: Credit card

Previous Case # XXXX On XX/XX/year>, I contacted Discover to report the death of my father and requested the closure of his account. In order to speak with a representative, I used my account information to get in touch, but I explicitly informed them that I was requesting the closure of my fathers account, not mine. I provided my fathers personal information, including his name, but did not give his account number, as I did not have it readily available. 

Despite clearly explaining the situation, an error occurred when Discovers automated system mistakenly associated my account with the call. As a result, my account was closed rather than my fathers. According to Discovers response, the lack of an associated account number caused confusion, yet they fail to mention that it was their responsibility to ensure the accuracy of the information used to process this request. I clearly communicated the situation, and their system should have verified the details to prevent such a mistake. 

Although I resolved the issue initially and continued to make regular payments, I later discovered that my account was closed again without any notification, and I was sent to collections. I continued making payments as normal, unaware of the account closure or the collections action. 

In their response, Discover acknowledged the mistake, explaining that the lack of an associated account number caused the confusion. They also stated that the charge-off status was removed and the payment history updated. However, despite this, my account remains marked as " closed by credit grantor, '' which negatively impacts my credit. Furthermore, Discover did not reopen my account as requested, and I was not compensated for the inconvenience or financial impact caused by their repeated errors.
Product: Mortgage

Our loan thru XXXX XXXX XXXX originated in XX/XX/XXXX and we sold/given to Select Portfolio Servicing in XX/XX/XXXX. From day 1 the informtion was input incorrect. 
SPS made an error when reading and in outting the information in there system. There was a modification that deferred XXXX. However SPS decided to add the XXXX on top of the total prinicpal balance making our loan balance increase by XXXX. Thus has given us incorrect numbers from the first day. I have requested them to fix the issue and even had to file chapter XXXX to avoid losing my home. They give me every reason under the sun as to why I am wrong and they are correct. Nobody says that same thing, they all give a diffrerent reason for the balance being so high.
Product: Credit reporting, credit repair services, or other personal consumer reports

the complaint was with capital one and XXXX XXXX  and also XXXX XXXX. somone hit my accounts the pulled out XXXX and canceled all my payments. when i went to pay it off i tryed it cost me about XXXX dollars, and the still did the samething to me i wrote paper work at the court house and they still did the samething i would like to have the money i put into it. the XXXX call me for a card referance i dont want to put any information. my name is XXXX XXXX XXXX and not what they had changed it to. this is a new pc. wiht a XXXX purchase. from the factory i figured out they need a credit card purchase to move the money and cant do it on a new pc, ill just buy one every year. the shut down my bussines this year and i dont have a credit card anymore. i have more complaints but this solves this problem you can call me at ( XXXX ) XXXX XXXX, or ill call you tomorrow, and thank you for the help. also they keep on thretting me trying to get more information
Product: Debt collection

I noticed a collection on my credit report for a hospital bill that I never remembered receiving treatment it says from XX/XX/2014. 

I disputed this with the credit bureaus and they stated that it was my account and verified. Then they sent me a letter saying a bunch of medical procedures and drugs that the hospital gave me as well as an itemization of everything I allegedly had that was treated for. 

Noted, there are XXXX family members that have the same name as mine only difference is our middle initial. I never received ANYTHING from this company prior at my mailing address. 

I believe rights were also violated per HIPPA since they listed medications, and what the charges were. This debt has never been proven to be mine but any 3rd party collection shouldn't be sending me an alleged bill stating that I take XXXX which is a narcotic. I'm embarrassed that there is a document with my name on it with all these services and medications listed. I am seeking a lawyer to remedy the legal aspect.
Product: Debt collection

XXXX is trying to collect from me. I have not owned a comcast account for the last 2 years. I have XXXX. this account is listed as opened in XXXX, XXXX also never recieved a bill if I did owe before it placed on my report.
Product: Student loan

On XX/XX/2020, I paid off my federal loan balance of ~ {$75000.00} through a loan with XXXX XXXX XXXX. Following the announcement of the student debt relief plan, as I was a XXXX XXXX Recipient making below {$120000.00}, I attempted to reach my Servicer - FedLoans Servicing PHEAA- to request a {$20000.00} refund, but learned that they had closed down and thus could not provide a refund. Because my loan balance was {$0.00} at the time the shutdown, my account did not get transferred to another servicer and I have no way of requesting or receiving the refund I am due according to the relief plan. Please help.
Product: Debt collection

A GreenSky Credit participating Merchant charged entire amount of GreenSky Credit Line ( {$9000.00} ) without notice, without a legally valid and executed Certificate of Completion, without Authorization to Charge and before commencement or completion of contracted scope of work and against my express request that it not accept said charge. Merchant submitted forged, fabricated and/or falsified documents to GreenSky in order to obtain said payment of {$9000.00}. GreenSky was put on notice of this falsification and continued to honor this change and debt. GreenSky has continued to attempt collection of this debt despite being provided with complete copy of Police Report, Sworn Complaint Affidavit and Dispute Forms. Legal counsel has contacted GreenSky relative to this matter and it still refuses to issue a credit of {$9000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so bewildered about this situation. I've submitted this complaint numerous times & CFPB & TRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. Transunion is not removing or blocking the account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. AGAIN, I'm attaching the FTC report and the Police Report I filed on my local Police Department for your records. There is an account reporting to Transunion which is fraudulent & I'd like it removed from my report. They claim they verified the account with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health. Once again, this is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/2018 Balance {$0.00}
Product: Money transfer, virtual currency, or money service

Ally Bank received an ACH from XXXX in the amount of {$520.00} on XX/XX/2020. The account it was sent to was closed in XX/XX/2020. Ally has not returned the money to XXXX yet and XXXX will not reissue the money to my current bank account until they receive an official rejection from Ally.
Product: Credit reporting or other personal consumer reports

- Kindly remove these addresses and update it with my current address there should be one ADDRESS reporting on the file. It is alarming as there are different addresses reporting differently. Kindly remove this ASAP Inaccurate Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the account completely from my Credit Reports : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When checking my report I noticed fraudulent and unauthorized inquiries on my report, I did not give any of the credit bureau 's permission to furnish this information on my consumer report this is a violation of the credit reporting act section of 1681b ( c ) which constitutes as fraudulent activity and violation of my privacy rights. 
Below are the inquiries : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I contacted XXXXXXXX XXXX  and requested COVID payment deferred payment. I made the request online. But also called as well and was verbally advised that the personal loan was fine under the deferment. 

A few days ago, I received a notification via XXXX of a 30 day late reporting. My FICO credit score dropped 78 points.
Product: Mortgage

Secure One Capital Corporation ( NMLS XXXX ) uses an automatic dialer to market current refinance opportunities. The caller ID is ( XXXX ) XXXX. Once you answer, you can press XXXX for more information ( and eventually be transferred to a sales associate ) or press XXXX to opt out of future calls. The issue is that after you're advised of option XXXX, when option XXXX is provided, you have less than a second to select it and stop future calls. That is extremely unreasonable and a tactic to force your number to remain on their call list. While I understand they have a business to run, they also need to be fair and give the consumer a reasonable opportunity to stop unsolicited phone calls through their automatic dialer.
Product: Bank account or service

" XXXX. Research, legal process and requests for information '' on Page XXXX of Chase 's Deposit Account Agreement appears to conflict with Federal Law. The agreement states " If we receive any legal process relating to you or your account, you authorize us to comply with it. " and " We do not have todetermine whether the legal process was validly issued or enforceable. " This is incorrect since Federal Law promulgated by the U.S. Treasury department under 31 CFR Part 212 requires financial institutions whenever they receive a garnishment order or other court judgement ordering action against a customer account to follow a review process to determine whether protected federal benefits are in the account and if so protect them. Chase 's Deposit Agreement is not legally sound because the customer through an agreement with Chase can not waive these federal protections and Chase despite the wording of its agreement must determine whether protected funds are available and whether the order is valid.
Product: Credit reporting or other personal consumer reports

I received a payment request from my previous apartment on XX/XX/year>. I responded that there was a mistake on my account and I was told that they would get back to me. No one responded to me so I called and explained that I have always paid ahead and that my move out XXXX  was wrong. I was told someone would get back to me and that they possibly owed me money. Then I get a note from them that my account will be going to collections, so I paid the balance off completely to avoid it hitting my credit. I have an email from a staff member that it was paid in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the errors on my credit report because the bureaus are reporting inaccurate information, that is affecting my credit score.
Product: Checking or savings account

Ally Bank does not protect your money -- beware! Extremely shady company with horrible customer service and communication Had money ( $ XXXX ) stolen from checking acct over period of several months. I requested fraud protection and immediate closure of account. Ally bank assured me this would occur. I called multiple times over period of weeks as more money was stolen from acct ( money that was returned to acct initially during fraud investigation ). they did nothing to prevent this and told me on numerous occasions that the account would be closed. It wasn't. When i finally heard back final verdict from fraud team ( months later, not within the resolution window they had initially promised ), they said that the stolen money transactions were valid ( after agreeing with me that some of them were fraudulent ). This makes absolutely no sense -- how could some, but not all, of the fraudulent transactions to a company i had never used before in a city i do not live in be legitimate? Furthermore, the bank refused to cooperate with the sheriff 's dept that was local to the area where the stolen money was being deposited. I submitted my legal documentation, case number, police contact info etc to the bank and they openly refused to speak with the detective investigating the case. 

Every time I call, the customer service agent seems to have little insight into the case but says things to the effect of " oh, I see that should have been done but I don't know why it wasn't ''. It is infuriating to hear Ally staff continue to admit their own failure but have no ability to make things right. It seems that nobody working for Ally has any idea how the company works. In an effort to cut out the middleman ( ie the bumbling customer service agents who have no idea what is going on or how to fix the account closure or fraud issues ) I requested to speak to the fraud department on multiple occasions. Unsurprisingly, they refuse to speak to customers. It is also impossible to speak with leadership/management. 

Currently looking into sending the dispute to arbitration and submitting complaints with regulatory agencies. I'm sure there must be lots of other folks who have had similar experiences.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called transunion numerous times to delete these unauthorized inquiries that I never gave consent to. Please delete immediately.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to TRANSUNION for not taking actions of these unauthorized inquiries reporting in my credit reports. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00}. I have contacted these companies and these actions were initiated without any proof of the companies reporting. These inquiries are not factual since I never authorized them. I have attached the FTC report with the report number XXXX to support this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card with XXXX XXXX  had been written off and included on my credit report as a write off during COVID despite my previous communications to XXXX XXXX  to explain that I had notified the customer service representative ( multiple times ) of my loss of employment. I would like to pay the amount owed in full, but prior to doing so, have reached out to XXXX multiple times to ask how quickly the error on my credit report can be corrected to reflect that my card should not have been written-off and is paid in full. This error has resulted in my inability to find full time employment and substantial financial loss. In addition, today I reached out to XXXX again ( at XXXX ) to find out when this correction will be reflected on my credit report and the representative ( reading from a script ) refused to answer the following questions : 1. What is the process for reporting credit card payments to the credit bureau? 2.Which department at XXXX is responsible for reporting the payments to the credit bureau? 3. If I pay the amount today, when with the payment and correction be reflected on my credit report? 
Again, I would like to pay the total balance IMMEDIATELY, but need XXXX XXXX  to confirm that this error will be corrected and assurance that the payment will be reflected on my credit report within 30 days of the payment submission date.
Product: Vehicle loan or lease

I had got into a XXXX XXXX where the car was declared totaled, and Ive got a settlement check from the insurance with the deductible. Already taken out from the check of the payout and the car finance company is still saying I owe them the deductible which was already paid or included in the payout check from the insurance.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern about the inaccurate provided by TransUnion 's rental services. Despite submitting multiple applications, the scoring systems utilized by TransUnion label me as a risky renter, leading to denials for several rental properties.

The discrepancy arises from TransUnion providing my FICO Score 2 for mortgages instead of my FICO Score 8 to landlords who request my rental information. This misrepresentation of my creditworthiness has had a significant impact on my ability to secure rental properties.

I urge TransUnion to rectify this issue promptly to ensure fair and accurate assessments for all individuals utilizing their rental services.
Product: Credit card or prepaid card

I filed for unemployment and got approved on XX/XX/2020. The payments are processing weekly through the unemployment however I was never mailed the card so I am unable to access these funds. I have tried calling the XXXX and I either get hung up on or get put on hold for over two hours. It has been an entire month of me not being able to access funds due to the card never being mailed to me. Unemployment said to keep trying to call that XXXX since the issue is me not getting the card and I am having zero luck.