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

On XXXX XXXXXX/XX/2023, I was at work when I received an Alert for Credit Monitoring from XXXX XXXXXXXX, XXXX, Level Credit by Self and Identity IQ saying that I have applied for a new credit and it is from XXXX 's XXXX XXXX. I was already clocked in and busy with work. I immediately called XXXX 's XXXX XXXX telling them that Someone have use and membership card and they have applied for their credit card. XXXX of the customer representative on the phone with me tried to help me out but she told me that she can't get my information and they will call me back or I have to reach out to Synchrony Bank myself. Immediately I called them and two of the representatives I talked to on that they couldn't help me solve my problem but instead they were telling that they are having bad reception on their end and they will have to call me back. I waited all day neither XXXX 's XXXX representative or Synchrony Bank called me. When I called Synchrony Bank, I was told to contact the Credit Bureaus. I later disputed the UNAUTHORIZED INQUIRY on my credit profile with them but instead they replied to me by telling that ; " Our records indicate the inquiry... was the result of an application for credit processed on the XX/XX/2023 for a XXXX account. '' The question here is, How can I apply for a credit in store when I am at work?
Product: Credit reporting or other personal consumer reports

Never investigated my violated truth and lending by deception and lies
Product: Credit reporting or other personal consumer reports

-- - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Removal of Personal Information under Metro 2 Compliance Dear Sir/Madam, I am writing to formally request the removal of inaccurate or outdated personal information from my credit report in accordance with Metro 2 compliance standards and the Fair Credit Reporting Act ( FCRA ). 

The personal information that I wish to be removed includes : 1. **Phone Numbers** : ( XXXX ) XXXX, ( XXXX ) XXXX & ANY OTHER PHONE NUMBER LISTED ( REMOVE FROM REPORT ) THE ONLY NUMBER THAT SHOULD BE REPORTING IS ( XXXX ) XXXX ( KEEP ON REPORT ) THE ONLY ADDRESSES THAT SHOULD BE ON MY REPORT ARE : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( KEEP ON REPORT ) ANY OTHER ADDRESSES THAT DONT MATCH THESE 3 ABOVE NEED TO BE REMOVED IMMEDIATELY, THEY ARE NOT MINE.

As per Metro 2 guidelines, I request that you verify and update my credit report to ensure it only contains accurate and current information. Please send me written confirmation once these corrections have been made. 

I have attached copies of the following documents to support my request : Government Issued ID, Copy of SSN Card, Paystub, Water Bill, & FTC Report Please complete this request within 30 days as required by law. If you need further information, feel free to contact me at ( XXXX ) XXXX or via email at XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX -SSN : XXXX -DL : XXXX -Issued : XX/XX/XXXX -Expires : XX/XX/XXXX -- -
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and they have my information united with my brothers XXXX XXXX as if I own his house too when I dont .I am ready to upload our documents to separate our information. XXXX XXXX XXXX is the one that owns the house for XXXX XXXX XXXX in XXXX, nj XXXX, Not me.
Product: Credit reporting or other personal consumer reports

Recently I viewed a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXXXXXX )
Product: Checking or savings account

on XX/XX/2019 I redeemed a bond worth {$130.00} from the u.s. treasury dept and hade it direct deposited into my netspend checking acct. till this day they say they didn't get it. but the treasury dept says they have investigated the matter and sent me a e-mail stating that in deed netspend inc. was paid in the direct deposite transfer. till this day I have not been credited to my acct.
Product: Debt collection

To whom it may concern : I received a notice from XXXX XXXX XXXX saying that on XXXX XXXX, XXXX, their client alleged that while I was leaving a parallel parking space on a XXXX XXXX, I backed into their vehicle and fled the scene. XXXX alleged that their client took their vehicle to the claims adjuster and they adjudicated the claim in the amount of {$130.00}. 

When I called to inquire about the allegation, XXXX claimed that their client had a video of the alleged incident. In complete disbelieve that XXXX alleged that my vehicle caused {$130.00} worth of damage to their clients vehicle, I requested, in good faith, to view or receive a copy of the video to determine that it was indeed my vehicle responsible for the incident -- XXXX, over the course of XXXX months, neglected to communicate with me nor send a copy of the video. 

In XX/XX/XXXX, having received no communication from XXXX, I wrote them via their web portal requesting them to dismiss the claim. The company, again, did not respond to my inquiry and instead sent my case to collections.
Product: Checking or savings account

I went to XXXX XXXX branch in XXXX Georgia on XX/XX/year> and spent over an hour opening my business checking account with XXXX XXXX. I gave him the business promotion that was offered to me and when all was done I confirmed what I needed to do to get my bonus of {$800.00} dollars. I deposited the qualifying amount of XXXX and I did the 20 transactions within the first three full statement cycles. On XX/XX/XXXX I called the branch to check on my bonus and was told by XXXX that I didn't qualify. I asked him why and he said that it was supposed to be 20 transactions per month and I explained to him that I confirmed with XXXX that it was 20 transactions over the next three months ( he even joked that I had a lot of time ) I also read him what the Horizon website says and he still was not acknowledging that the website does not say per month. Attached you will find the wording directly from their website which states that it's 20 transactions within the next three statement cycles which is 90 days. I feel as though I was baited to open the account and deposit XXXX and do the 20 transactions and then they did not keep their part of the bonus they offered me. Now they want to change the terms even though I was told directl|y by XXXX and their website which I'll attach screenshots for proof.
Product: Mortgage

In In XXXX of XXXX, our Mortgage Company ( XXXX XXXX ) informed us that our loan had been sold to a different mortgage company. ( New Rez ). Our payments to XXXX XXXX had been XXXX. Our First Payment in XX/XX/year>, to New Rez was XXXX. I know title sales happen all the time, but I always thought that the rule was that the mortgage price would stay the same. Our mortgage is a XXXX fixed rate conventional. I called New Rez about this and eventually told me that XXXX XXXX had did an assessment and was going to raise our mortgage at the time New Rez bought the loan. That is why our mortgage payment went up XXXX. I asked them if they had the assessment, and they could not find it in the system. They told me that they would send me a copy of the assessment in the mail. I never received it. 

My Current issue is weirder than anything. In XXXX of this year while I went to make my payment online as usual, I find out that payment had been made already. I called New Rez to find out what happened, they explained to me that a payment was set up over the phone for my account. I told them that I had never made a payment over the phone, and they insisted that I had. So, I ended up leaving it there. Fast forward to my XXXX payment of this year, the same exact thing happened. I called New Rez to complain because the money was pulled out of my bank account on XX/XX/XXXX, a few days prior of the due date of XX/XX/XXXX. Which caused a chain reaction and caused me to make my credit card bills late and incur late fees. After calling New Rez again, they continued to tell me that I, or someone I know had called the automated phone system and made the payment. They also told me that I can do a formal complaint online. So, I did just that. I wrote them a statement and along with both of our phone bills showing that neither of us had called New Rez around the dates that they are saying, someone called. In my statement I requested the phone number of the person who they say is calling and making payments to my account. After all my phone calls to New Rez I would get Mail and email : " Thank you for contacting us with your concern. This issue is very complicated, please give us more time to investigate. ( not verbatim ). Which bring us to our XXXX payment. On XX/XX/XXXX I received an email saying your payment is being processed. I called right away and was able to stop the payment, which was being made 9 days prior to the due date. I was also able to take my banking information off my account. But during this call they let me know that the case I had opened last month had been closed with no resolution. So, I still don't know who or if someone is really making calls and paying my mortgage at random times. I Just want to know if Im safe with New Rez going forward. Thier practices seem shady at the least and possibly illegal at the most. Have you heard of anything like this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was disputing hard inquiry from XXXX XXXX XXXX, 2020 and their response was it shouldn't be hard but soft inquiry. Bank 's response attached to this complain.
Product: Checking or savings account

I opened a business and personal account with this bank. I have deposited over {$10000.00} thus far without issue. I have been in business over 2 years without issue and with a B rating on the XXXX  as well as a 4.9 out of 5.0 rating on XXXX. I have maintained a business with integrity and honesty. When I opened my account it was frozen for weeks due to a security risk from e-checks. I provided all documents to prove my customers are real, including signed contracts for each. I have included my {$75000.00} bond information as well as my registration with the department of Transportation and the federal motor carrier safety administration. The bank decided to freeze my account due to echeck and asked that I take ach payment. I agreed to do so and stopped all business while they set up my ach. They took several weeks, then told me to continue with echeck while I waited. They then said they would not allow me to take ach and I must stop taking echeck immediately. I gave the contact information for each customer including name email address and phone number for them to verify. I believe being a XXXX XXXX XXXX had been the main issue with me being blocked from operating. They claim because I have no business credit that they can not allow me to operate through their bank, yet Ive been over 2years in business even surviving the pandemic. I cant imagine how a XXXX XXXX XXXX would up credit to their satisfaction. They seem to have an issue with my particular XXXX  and I truly fee its because its XXXX XXXX. I would advise any XXXX XXXX XXXX of any race to avoid this bank. Ive wasted over a month doing everything they ask, and putting my XXXX  on hold only for them to make false excuses.
Product: Credit reporting or other personal consumer reports

I value your help to CORRECT a portion of the data in my credit file, yet I have some items passed on that should be investigated. Per FCRA you are expected to correct and upate these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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
Product: Debt or credit management

Hired a debt consolidation law firm in XX/XX/XXXX. Enrolled 5 debts. First 4 were settled by XX/XX/XXXX. Last creditor was never contacted to negotiate settlement until XX/XX/XXXX. Law firm agreed to a settlement and then missed the payment on XX/XX/XXXX. Law firm has never contacted me. I started contacting them inquiring about the missed payment. Everytime I contacted them I got a different story. They then sent an email stating that a new settlement had to be negotiated and that I need to pay an additional {$2700.00}. I fired the law firm and negotiated my own settlement with the creditor. Law office never contacted manager of escrow account to notify them that I had terminated my program so that the funds of my escrow account could be returned to me. I contacted XXXX XXXX myself and notified them that I had fired XXXX XXXX and that my money needed to be returned to me immediately.
Product: Mortgage

I have a mortgage with XXXX, but it is serviced by Nationstar Mortgage LLC. I will usually make an additional principal payment on the first of the month along with my normal mortgage payment. There are three times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) when they incorrectly apply my additional principal payment. Instead of going 100 % to the principal, they will treat it as a prepaid mortgage payment. This causes me to still pay the interest that is owed for the next month 's payment. 

At the current rate, I have the potential to pay 10s of thousands of dollars extra in interest over the life of the loan since they will not correctly apply my payments. I have to call in everytime to fix the issue, and they tell me that I am doing something wrong, when it is there system that is messed up. 

I'm luckily enough to working in finance, and I track my own mortgage payments down to the penny in my own spreadsheet, so I know when something is messed up. I'm concerned about all the other people who think they are making additional principal payments, but the mortgage servicer is screwing them out of thousands of dollars over the course of the loan. This is stealing. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mail a letter in XXXX about this account and and I have not been giving any information. Transunion and XXXX have Violation of Privacy and inaccurate and unfair reporting. 

According to law, 15 U.S. Code 1681 - Congressional findings and statement of purpose, ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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. 

According to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Which main the transaction should not be report or include on my credit report. 

According to 15 U.S. Code 1681b - Permissible purposes of consumer reports, In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates
Product: Checking or savings account

About a week or so ago I noticed charges on my cash app account from a company called XXXX XXXX that werent mine. I contacted cash apps customer service to make them an aware of the issue and to file a dispute and to get a new cash app card mailed out to me. I was told Id be receiving to card within a few days and that a dispute would be filed. Not even two days later I got a notification that the dispute was denied and for no reason. When I tried to ask their customer service them why it was denied I was ignored. 
When I received my new cash app card the following day I tried to activate it and it kept stating that the exp date was wrong which made no sense. Once again I contacted their customer service team and was told my card would be disabled other no way to get another one but if I wanted to continue to send money through cash app I could. ARE YOU XXXX KIDDING ME? I have called numerous times and keep getting told the same thing-its because I filed a dispute and I wouldnt be able to use a cash app card any longer. 
My issue is this-the account was supposedly closed accidentally. So I had to make a new account using the same email address. I received an email from XXXX XXXX stating they reverse a {$100.00} payment back to my card that was used unauthorized-that card was the XXXX  cash app card that they disabled on the account that is now closed. So how am I supposed to get my XXXX money???
Product: Debt collection

I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit  bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation  request, then they have essentially admitted, per XXXXexas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards
Product: Checking or savings account

Wells Fargo denying payment for fraudulent charges on our bank account. 
Reason for denial : too much time passed before I reported. 

Charge posted online XX/XX/2022 XXXX reported same day. 

Please find the attached letter from claim denied reason by Wells Fargo that also clearly shows the dates as well. 

When I called Wells Fargo they tell me it was posted on XX/XX/2022. My wells Fargo online portal clearly shows that it was posted on XX/XX/2022.
Product: Mortgage

I made extra payments towards my principal and Chase applied them as " advance payments. ''
Product: Debt collection

To whom it may concern : My XXXX and I moved to XXXXXXXX XXXX XXXX XXXX we took up part time residency here while we familiarized ourselves with this town and looked at places to live long term. 
While living at this residence, I found a XXXX XXXX  directly underneath our residence and both of us decided to join- with the understanding it would not be long term- same as our residency. I had been to a XXXX XXXX in California during my many years living there and was not happy with it, so I trained at other XXXX 

Fast forward, to late XXXX after I had several visits and she had been twice. We both requested terms as to the manner in which to cancel the membership ( s ) and we complied. Approximately four months later, I am reviewing a credit card statement on a XXXX XXXX XXXX I use very infrequently and noticed XXXX XXXX charges ( some charges were different that others- and no, it had nothing to do with the variance in the number of days in a month ) and then there's the simple fact that we cancelled ( independently of another ) and even though I am no longer a member, they are ( typically ) debiting my card at {$48.00} per month. 

I spoke to the manager of the specific gym in downtown XXXX XXXX XXXX XXXX, and explained the situation and he indicated there was " nothing he could do '' In the meantime I called XXXX XXXX and requested that XXXX  no longer can charge my card- and they agreed ... also wondering why " the charged amount varied ''? 

Within a few days I began to receive emails and phone calls from a collection agency by the name of Aldous and Associates demanding I pay them XXXX XXXX which I declined and re-affirmed that I cancelled in the proper manner as converted to me by an associate at the front desk. 

My credit is not flawless, but I have worked hard to pay all my obligations timely and am even making serious progress on mitigating my outstanding balances. The threat of a collection account appearing on my credit profile is very disturbing, especially when I cancelled as agreed, and then there is the ethical/moral aspect as to why would a fitness facility want to extract monies from a former customer who hasn't set foot in ANY of their facilities since XXXX XXXX XXXX??