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

Hello My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.
Product: Debt collection

Over a year ago i never received a bill for medical services. XXXX threw there gross incompetence and error used a false fake address of XXXX XXXX XXXX bayonet point fl XXXX. I never lived there and never received a bill from XXXX imaging service and i never received a debt bill or debt notice whatsoever! I spoke with XXXX and CBM Services Inc and they made up a false address and never sent me any bills and notice to collect a debt to my correct address of XXXX XXXX XXXX XXXX fl XXXX. Both refused to help me today and remove this charge i have had no idea what it was for from my credit report that was the ONLY one to notify me of this debt. Both XXXX and CBM Services Inc are in violation of they law.
Product: Mortgage

1. ) HomePoint Financial sent me a letter indicating that due to an error they had mis- reported to the credit bureaus that We has missed a payment, and that it would take 45 days to be corrected 2. ) Homepoint Financial mailed my escrow payment for Home Insurance that was supposed to go to XXXX to an address for the XXXX XXXX 3. ) Homepoint Financial miscalculated my escrow payment resulting in a {$300.00} increase to my monthly payment 4. ) When calling in order to have the Escrow corrected, I was hung up on twice by HomePoint Financial ( XX/XX/XXXX ) - I was promised a call back within an hour from Supervisor " XXXX '' - they never called me back 5. ) After correcting my escrow adjustment, HomePoint Financial failed to produce a new and updated statement for me to pay 6. ) I was promised that HomePoint Financial would send me an updated statement with the correct amount on it, and I received a duplicate of the original erroneous bill 7. ) Upon calling to correct the erroneous bill a second time - I was told that they could not issue an updated bill until the next billing cycle - a direct contradiction to my earlier conversations. 
8. ) It is XX/XX/XXXX - XXXX bill is due on XX/XX/XXXX and I still do not have an updated statement to pay. The bill I have is for an incorrect and MUCH largere amount than is due. I am pretty sure that it is a violation of the FDCPA to sent a bill for an incorrect amount, as is mis-reporting credit information, Hanging up on a consumer, and giving them incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax made available through it's data product " The Work NumbeXXXX '' aka " XXXX '' details about my income, employment history, and tax/medical withholdings without my consent. 

Following the instructions on the Equifax website ( https : //employees.theworknumber.com/employment-data-report ) here to opt out and " Freeze '' my data resulted in no response within the 3-day window.
Product: Checking or savings account

Around XX/XX/year>, Citibank placed an account hold on my checking account with no notification to me. I noticed the " account hold '' within a day or so and called XXXX to inquire why my account had been frozen. The main Citibank customer service number was able to verify my identity and confirm all of my contact details.

They then explained to me that the Citibank " wealth management '' team had placed an account hold on my funds. I questioned how this was possible since I had no relationship with the " wealth management '' group at Citibank. The main Citibank number instructed me to call the " wealth management '' team to get the account hold removed.

When I was finally able to reach the " wealth management '' team, they claimed that they had put a hold on my account because I had not verified information with Citibank. This was in direct contrast to what the main Citibank team had told me. The wealth management team then told me I would need to answer their questions or the account hold would not be removed.

The " wealth management '' team claimed they had authority under the Patriot Act to demand this information and proceeded to ask me a series of questions about how much money I had available for investment purposes and how I was currently investing my money. They also verified that they had all of my contact information but claimed it was some kind of oversight that had led to my account being put on hold.

Within a few hours, the hold was removed from my account. 

On XX/XX/year>, my account was again frozen through an " account hold '' by the " wealth management '' group. I was forced to move through the same process again in trying to remove the account hold from my account. 

I do not see how it is proper to have a bank freeze your money until you provide them with information on your investment practices. It appeared to me that the wealth management team was simply using this process to determine if I had enough assets to target me for their services./
Product: Vehicle loan or lease

I've been late with payments for the last few months, generally paying 15-20 days past the due date. Whenever this occurs, TD Auto finance calls me six times a day, 7 days a week. Three times a day on my cell phone, and three times a day on my home phone. I never at any point gave consent for this, unless of course they decided to hide it in their lengthy TOS. If so, I was never made aware of this, and I have a really hard time believing that consent can be given in such a way legally.
Product: Credit reporting, credit repair services, or other personal consumer reports

collections shows open when it should be closed
Product: Credit reporting or other personal consumer reports

Did not consent to authorize or have knowledge of the following inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I am filing a complaint regarding capital one failure to deposit by direct deposit from my employer. Capital has cited technical issues that violates the EFT as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistant in investigating this matter to ensure my rights upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed all the negative information, collections, derogatory accounts, and public records on my account. I have also disputed inquiries that I didnt authorize. 

XXXX, Transunion, and XXXX  are reporting all of my accounts with different account numbers, different open dates, different closed dates, different amounts, and different payment histories. This is affecting my ability to obtain stable housing, as well as obtaining credit for necessities. 

They are providing false information to anyone who tries to pull my credit. I would like a credit sweep of all 3 bureaus, and all negative information, derogatory information, collections, and inquiries be deleted immediately due to the false information that all 3 are providing.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX - Balance {$5000.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2900.00} -Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance {$990.00} Date opened XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect information is reporting in the credit report
Product: Credit card

I disputed this already and The file that was attached was deleted and said threat detected there still is no explanation of why it was closed for no reason and not only that but the file attached to my PayPal card was for a care credit card with a virus threat. You guys consumer finance closed the case when not even noticing the file they attached to this account was for a totally different account. Every dispute with them has been closed with no explanation only a file that says threat detected and you guys have agreed with them they still have neglected to show me any statements of where and when and what my cards were used for
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name TDRCS/XXXX Account Number XXXX TDRCS/XXXX   Reported me 30 days late on XX/XX/XXXX and I was never late and I paid my account in full and satisfactory. I faxed letters to TDRCSXXXXXXXX  and XXXX  to be corrected and it still shows on my credit report. 

I submitted dispute to XXXX as NEVER LATE, ACCOUNT WAS PAID AS AGREED. Sent documents and they never fixed and just said it was investigated with no resolution. 

Date Opened XX/XX/XXXX Date closed : XX/XX/XXXX TDRCS/XXXX Address : XXXX XXXX XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I've contacted XXXX XXXX, XXXX and Experian via certified to dispute the inaccurate information the company is reporting on my consumer report. The account is a charge off. I was not provided with a 1099-C form from the IRS. According to the IRS, the canceled debt is considered income. The company is in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( a ). Also, the company has responded by validating the account with a list of payments. I requested documentation bearing my signature. The response was sent via email instead of providing a letter through the US postal service.
Product: Checking or savings account

XX/XX/year> : Woke up to find that my direct deposit wasnt available in my Capital One account. I gave it a couple of hours before calling customer service. ( I did know by then that there was an issue. ) I was on hold for 45 minutes before speaking to a customer service representative who could only tell me that they were aware of the problem, and working as quickly as possible to get it resolved. However, she was unable to tell me when it was supposed to be resolved. 

XX/XX/year> : Woke up again this morning to no pay in my account. Still have no idea when my money is going to be available to me. I have to feed my son and myself, and dont know how much more of a grace period my bill collectors are going to allow. Im in XXXX XXXX, and like much of the rest of the country, our weather is actually calling for the possibility of snow early next week. Were going to be in a bind if my power gets shut off before then. 

How does this happen???
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I closes my account on XX/XX/2023. I provided my updated current address and as of today XX/XX/2023 I still have not received it. I've sent multiple emails and maid multiple phone calls and recorded them. I have sent a copy of my driver 's license with my new current address and chime is refusing to mail my check unless I provide them with more and more documentation every time. It's a never ending run around so they can steal my money.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXXXXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXXXXXX Balance : {$130.00} ; XXXX XXXX XXXXXXXX Balance : {$350.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$93.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHASE CARD XX/XX/XXXX ( 6 yrs, 8 mos ). {$20000.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 6 yrs, 8 mos ) XXXX XXXX XXXX XX/XX/XXXX ( 2 yrs, 2 mos {$4000.00} XXXX XXXX XXXX XX/XX/XXXX ( 4 mos ) {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXX {$140.00} XXXX  XXXX {$450.00} XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$370.00} XXXX  XXXX {$10000.00}
Product: Checking or savings account

I created a checking account with CapitalOne and set up direct deposit through my employer. I was to be paid on Friday, XX/XX/year>. I was told there were system issues ; I did not receive this direct deposit until XX/XX/XXXX at XXXX EST. I am to be paid bi-weekly and today, Friday XX/XX/year> is pay day. There are no funds in my account. I called CapitalOne to see if there were any technical/system issues with the bank. I was told there were no foreseen issues and that my deposit would post at XXXX EST. There are still no funds in my accounts. I spoke with TWO managers. Neither were of much assistance and I was directed to claims because nobody can tell me where my money is. Ive never had any type of issues like this with any other bank, and they dont seem to care about the people trusting them with their money as a customer.
Product: Payday loan, title loan, or personal loan

In XX/XX/2018, I decided to take my car to a TitleMax close to my house for some extra cash that I needed at the moment. They offer a {$1000.00} cash for the title and offered a monthly payment to settle the amount. After 14 payments of {$120.00} my account balance is {$1000.00}. I called the company to find out how was this even possible and they proceed to say that I need to pay more than the minimum or the full balance because so far I only payed interest, that appears to be 130 % of the total amount ; however, this wasn't mention to me at the time of the loan. I tried to contact the resolution center and the management of the company with no success so far, I go to the store and they dismiss me telling they will call me and I'm still waiting for a call, and if I call nobody is available to take my call. I feel this is a very unfair practice that take advantage of those in need, and I know a loan will have some interest but over a 100 %? Really? Paying {$1700.00} and my account reflecting more than what I borrowed, is plain abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ) credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Product: Mortgage

I have been working with a XXXX XXXX a loan originator, they had secured a 30 Year Interest only loan for my home. I was refinancing a 1st and HELOC into one loan. Stearns accepted my mortgage application however, they decided not to honor the loan stating COVID-19 as a reason. I have been with XXXX  as the go between, I was advised on several occasions the loan was set for closing, the last date for closing was set for XXXX XXXX that got postponed due to additional documentation requested, the documentation was provided and I had been waiting for another closing date. As of XXXX XXXX I was told by XXXX that Stearns was no longer returning their phone calls. It has been 3 months gathering documentation anticipating closing. If they did not want the loan they should have stated so and I could have sought a loan with another lender. This has been a long and tedious process. I would like for Stearns to honor their offer and close my loan. This loan would allow me to save quit a bit monthly which I was going to use the savings to support my daughter 's college education. This loan would have also increased my ability to secure other financing as a XXXX XXXX owner. My business supports the community, that's what banks are supposed to do give back to community, support business and individual. My loan was in the pipeline to close they should not have reneged on their commitment. Thank you
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>
Product: Credit card

I called Upgrade Incorporated and instructed them to close my account several times. They simply refused to do this. I paid the account in full. I do not wish to do any further business with this institution and yet they still refuse to close this account. They are an affiliated with XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

I received treatment in XXXX XXXX back in XX/XX/XXXX and now, XXXX takes care of myself. I always pay my bills on time. NOW, Dynamic recovery solutions is trying to collect XXXX XXXX from a debt they bought from XXXX XXXX XXXX dated XX/XX/XXXX and I do not have any record about it. So, I consider this could be a fraud attempt to collect money from former XXXX patients
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnionis reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, a consumer, and this is my last and final complaint before I proceed with legal action. I have already made a complaint with your company and I received your last correspondence last year from your company stating that your company was accurately reporting the information to the consumer reporting agencies. Your company does have any jurisdiction to collect a debt here in Georgia and this " debt '' you're trying to collect on XXXX XXXX XXXX.