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

RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX XXXX, XXXX Last Verified Date XXXX XXXX XXXX XXXX XXXX XXXX Last Verified Date XXXX XXXX XXXX XXXX XXXX XXXX Last Verified Date XXXX XXXX XXXX XXXX XXXX XXXX Last Verified Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/2022, I was interviewing companies to provide pool cleaning services at my home in XXXX, AZ. The first pool company came to give me a quote. They checked my water metrics and pool equipment. They gave me a monthly quote for the pool cleaning service per month with 1 day per week coming to clean my pool. 

I had received an advertisement from XXXX XXXX XXXX for {$99.00} per month. I called them to see if they could accommodate this price. They said they had to have someone come check the water and equipment. In XX/XX/2022 this shady guy came to give me a quote. He said the pool needed the water to be pumped out & drained, acid wash the pool walls, refill the pool with water, and put all the chemicals in the pool. By the way, the pool was crystal clear and pool walls clean when he communicated that all this work needed to be done prior to the monthly pool service being started and quoted me an outrageous price. They never disclosed that they would charge to give me a quote and I never agreed to any charge for giving me a quote. 

I had another XXXX XXXX XXXX the next day come to give me a quote. They checked the pool water metrics and equipment and gave me a monthly pool service quote. Like the first pool cleaning company they didn't say I needed what the XXXX XXXX say I needed done to my pool and just gave me a quote for the monthly service anything the other In XX/XX/2022 XXXX XXXX XXXX came to give me a quote for monthly pool. I never agreed to start pool service with them, signed contract or service agreement, and they never cleaned my pool. 

A month later I get an invoice for them coming to give me a quote which they never disclosed they would charge me for giving me a quote neither did I agree that I would pay them for giving me a quote to clean my pool.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ...., and XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I noticed a sudden drop in my credit report rating. Upon investigating, it was listed that I was sent to collection because I owed money. However I do not have any loans, Iowe no one money and have not taken out a loan in many many years. I spoke to an agent with XXXX and he was able to provide information about this Debt collector/collection service that caused the negative drop in my credit score : Security Credit XXXX XXXX XXXX and they were collecting on behalf of Smart Pay Leasing ( XXXX ) XXXX # XXXX
Product: Debt collection

Im aware that Capital One Bank N.A, you, have assumed that you have resolved my concerns, and I must disagree. It is to my knowledge that you have never attempted validation of any alleged debt before any collection has began, which Is a violation of my federally protected consumer rights. I also have proof which I will enclose of you calling me without permissible purpose, yet Ive never gave you permission to contact me, therefore violating the Fair Debt Collection Practices. You also violated my rights by never providing appropriate disclosures according to the Truth in Lending Act. It is to my knowledge you have never provided equal consideration. Furthermore, It is my request that you provide me a trail of the investigation that you used to link the account ending in XXXX by public records.
Product: Debt collection

Unfunded keeps reporting me to credit report agency 's for a debt that isint mine. Reported XX/XX/, amount XXXX, continues to try & collect after being told to stop multiple times. Has no proof of debt belonging to me.
Product: Credit reporting or other personal consumer reports

I signed up for credit monitoring and noticed some unauthorized inquiries on my credit report. Please remove, i did not authorize these inquiries, nor do i have any knowledge of them at all.
Product: Debt collection

We have received repeated robocalls from Harris & Harris regarding somebody's debt. We are a home office managing multiple companies and do not give out employee information. I usually hang up on these type of calls, but they have called about six times in the last six weeks. I called back and formally requested that they stop doing this two weeks ago. I was told they would stop. Despite this, they have called back two more times.
Product: Debt collection

please see complaint XXXX. Midland funding attached a fraudulent certificate of summons. the summons shows that they swore under oath to serve a XXXX XXXX XXXX XXXX woman XXXX in height. I am almost XXXX XXXX XXXX and nearly XXXX '' furthermore no one lived at my previous address but myself and my now XXXX XXXX XXXX son, they have lied under oath in order to get a default judgement. in a previous complaint they indicated that this is for a XXXX credit card yet in a XXXX response they submitted false docs showing compute equipment. they have yet to verify the other midland funding account yet it has been reported on my credit report for years
Product: Credit reporting or other personal consumer reports

This XXXXXXXX XXXX XXXX  Account has already been flagged as fraudulent by the credit lender. They already said they informed the credit bureaus of this information and directed them to remove this account from my credit report as a matter of law. This issue was already resolved with the credit institution and it was flagged as fraudulent. It is a {$500.00} Credit Card that was already charged off.
Product: Credit reporting or other personal consumer reports

Dispute of Fraudulent Loan Accounts Pursuant to 15 USC 1681i Credit Bureaus I am writing to formally dispute a fraudulent loan and credit cards accounts that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports. 
I have recently become aware of an account listed on my credit report that I believe is the result of identity theft
Product: Credit reporting or other personal consumer reports

Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. XXXX just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting or other personal consumer reports

I reached out to the 3 major credit bureaus to assist me and requested deletion on account errors on my account. Only XXXX helped me and complied on the removal of errors, while Equifax and XXXX required to report it to police or FTC for Bad Business Practice and Unauthorized Inquiries negatively impacting my credit report. 

Transunion Errors for removal : XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX  XXXX XXXX - XX/XX/XXXX Equifax Errors for removal : XXXX. XXXX  XXXX ( Duplicate and unauthorized ) - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX - XXXX XXXX, XXXX
Product: Student loan

I made a payment on XX/XX/2024. The payment was in the amount of {$2100.00} and initially the payment was processed. However, XXXX days later, on the XXXX of XXXXXXXX XXXX the payment was gone from my account and there was no record of it on the EdFinancial Website. The money has been taken from my bank account but there is no record of the transaction taking place. I reached out to the company and they did not respond to me.
Product: Mortgage

XXXX my previous note holder sold my loan to Nationstar, and i had to call the Nationstar to let me know how to pay online or any other way to pay. The gentleman talk to me and asked me, if I wanted to pay over the phone. He did not inform me of any charges if I did so paid that date when I spoke to him. I received my second statement and found a charge of XXXX dollars under fees and charges. I called Nationstar and they informed me that it was for wire transfer when I paid. I think that was unfair.
Product: Checking or savings account

On XX/XX/XXXX, I received a check as payment for work I was scheduled to perform. Suspecting that the check might be fraudulent, I immediately contacted Regions Bank to report my concerns. I also reached out to the company that supposedly issued the check, and they confirmed that it was indeed fraudulent. Consequently, my checking account was locked by the bank. 

I promptly informed Regions Bank about the situation. They advised me that my case was under review and that my account would likely remain suspended pending an investigation, which they estimated would take 30 days to complete. 

By XX/XX/XXXX, having received no further communication, I visited the XXXX XXXX branch to seek an update. I was told they would investigate and get back to me, but no one did. A week later, I returned for an update and was assured that someone would call me back ; however, I did not receive any follow-up. 

I then contacted the customer service hotline, but they were unable to assist and directed me to visit a branch. Returning to the branch, I was informed that a ticket had been submitted regarding my case, but there was nothing more they could do at that time. 

Seeking resolution, I visited the XXXX, Florida branch where I originally opened my account. I spoke with the branch manager, who promised to look into the matter. A few days later, she contacted me and stated that she was unable to release my funds due to an alleged credit card debt from XXXX. To my understanding, even if such a debt existedwhich I believe it does notit would fall outside Florida 's statute of limitations for debt collection, which is five years.

Currently, my account remains open and continues to accrue interest, yet I have no access to my funds. I have personally requested validation of any alleged debts at the branch but have not received any documentation or evidence. It has now been seven months without access to my money. 

I am becoming increasingly desperate, as no one from Regions Bank has provided assistance or a resolution to this issue.
Product: Debt collection

XXXX XXXX  done on XX/XX/21 - XXXX XXXX  verified the health insurance coverage but not is billing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies refuse to remove account that was opened before I turned 18. This account is has not legal standing on my credit report as I was well below 18 when the XXXX/XXXX  account was opened and not able to give my legal consent. The companies also refuse to remove collections that are in no way related to me or have any legal standing accounts are XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023. Involved companies responded but there are still fraudulent items reporting on my credit report. I submitted a complain again last XX/XX/2023 and it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying a Home when I pull my credit report I found account that were not accurate. I have no account with XXXX XXXX XXXX there is some type of mix up or issue. The US. DEPT EDUCATION ACCOUNT ( XXXX ) is in good standing this account is listed wrong error please delete. XXXX XXXX ACCOUNT ( XXXX ) this account is duplicate error please delete account. These account have not been verified accurate please delete. These 3 accounts are in dispute with the original creditor error please delete accounts. 
All of these accounts which you DECLINED. I sent info for XXXX or agent of XXXX, TRANS UNION, XXXX a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. If you had investigated it completely, no e-Oscar system no thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' this. XXXX vs.TransUnion, XXXX vs. XXXX XXXX XXXX XXXX, and XXXX vs. XXXX, XXXX, XXXX XXXX, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable.
Product: Debt collection

I was notified on XX/XX/2018 that I had this debt for XXXX. I have never heard of this collection agency nor received correspondence. I keep my credit clean and pay all bills. This is either a fraudulent charge or they have the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting information from the three credit bureaus for months now and they do not respond. I have started in XXXX of this year and several request were sent to them. First one XX/XX/XXXX, second one XX/XX/XXXX third one XX/XX/XXXX, most recent XX/XX/XXXX still nothing! Now due to the covid XXXX I spoke with XXXX and they were extending my payment due to circumstances. They reported it as a 30 day late and when I talked to them they said I needed to contact the bureaus and that they will resolve it. Really I can't get the bureaus to respond since XXXX. Long before everything shut down.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern : I am writing to file a complaint against The Huntington National Bank. Last week my account was compromised into and money was stolen, through XXXX, to someone that I do not know. The transactions took place between XXXX XXXX and XXXX XXXX to a person named XXXX XXXX, XXXX. These transactions were completed without my knowledge or my authorization. When I awoke the morning, I saw notifications from Huntington telling me that there were names added and deleted from my recipient account. I am not familiar with these names nor would I have sent someone I do not know money. I contacted Huntington Bank on Friday XX/XX/2023 and let them know that there were fraudulent transactions on my account. They advised me to close the account, file a dispute and open a new account, which I did on the XXXX. I went to the XXXX Police Department on Friday XX/XX/2023 and filed a police report, which I provided to Huntington along with the email notifications that I received regarding the transfers. Today, XX/XX/2023 I was informed that my dispute was denied. The reason for denial is " consistent with previous behavior ''. I have a list of five people in my recipient account that include FAMILY only. XXXX XXXX is not a family member nor do I know him. I have, on several occasions called Huntington Bank, to let them know that I do not know this person and the charges are fraudulent. I have been hung up on, told that I DID IN FACT SEND THE MONEY and lied to about getting a credit back. It is illegal to steal money from someone's account without his or her knowledge and I do not understand why Huntington is treating ME like the criminal when I have done nothing wrong, I want Huntington Bank to be held accountable for the fraud that took place in my account. I should have been notified that there were many transactions taking place in the middle of the night. XXXX needs to be regulated so that others do not have the same thing happen to them. Unfortunately, through my research I have seen the millions upon millions of dollars that have been lost due to phishing and scams.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX I purchased a timeshare in Florida using a promissory note. Which is a negotiable instrument that can be sold or transferred. I used XXXX XXXX XXXX resorts as a form of creating the note which XXXX has been collecting payments from me. But I am the original creditor to the note that was created, and or the original lender. XXXX also has opened an account in my name without my permission, and also sold, and or created securities on my behalf illegally without my permission, which federally is illegal and also against UCC and federal regulations, it is also a violation of my constitutional rights. I am requesting back all payment, including but not limited to all account balances and securities created.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note, this is a not a duplicate complaint, and I am not using any third party for this matter, I represent myself by myself. I pulled up my credit report from Equifax - report and that report is showing my account in a late payment - XXXX XXXX  - date opened XX/XX/XXXX. This account is closed and paid, NEVER LATE. I have a proof of payment in XX/XX/XXXX, that payment went from my bank account to XXXX XXXX XXXX, I have attached a copy of my bank statement to this complaint, please note, that ONLY EQUIFAX has reported this account in delinquency, I WAS NEVER LATE ON THIS PAYMENT.
Product: Payday loan, title loan, personal loan, or advance loan

I keep paying Regional Finance the minimum due every 2 weeks as of XX/XX/2024 and they keep leaving me messages and harassing me cause they want bigger payments from me. They even went as far to call my husband which has nothing to do with my debts!!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX XXXX XXXX XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Mechanics Bank Auto Finance is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Mechanics Bank Auto Finance the financial institution and the Consumer reporting agencies XXXX XXXX XXXX XXXX XXXX  do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX Mechanics Bank XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Mechanics Bank XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX XXXX XXXX XXXX  are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.