23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX, the day after XXXX, I went to Conn 's Home Plus to purchase an appliance package they had on sale which included a refrigerator, stove, microwave and dishwasher. They did not have dishwasher in stock and thy back ordered for pick up after XXXX. I never heard from Conn 's about item coming in to store. In XXXX I began getting text message about a late payment of {$44.00}. When I called customer service, I told them I never received dishwasher and was not paying for something I never received. I have spoken to customer service numerous time regarding this matter. I emailed corporate to let them know what was going on and they said they call customer service. Customer service finally said that someone pickup dishwasher on XXXX, XXXX. I asked to see the signed document regarding the pickup. They had nothing. Someone went into the computer and marked item picked up. I dont know why an employee code was not shown to see who completed this transaction. Conn 's is now threatening to turn account over to a collection agency. There is something fraudulent going on in that store. I NEVER PICKED UP A DISHWASHER AND i WILL NOT BE BULLIED TO PAY FOR SOMETHING i NEVER RECEIVED. I want proof that dishwasher was picked up and by who, I will sue Conn 's if they place any negative item on my credit report. I am also filing a complaint with the XXXX  becasue this makes no sense,
Product: Credit reporting or other personal consumer reports

Subject : Demand for Removal of Inaccurate Inquiries To Whom It May Concern : I am writing to dispute and demand the immediate removal of several unauthorized inquiries that are inaccurately listed on my credit reports with the XXXX major credit reporting agencies ( XXXX, Experian, and XXXX ). 

The specific inaccurate inquiries that must be removed from my credit file are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX have XXXX XXXX credit reports thoroughly and did not authorize or initiate any applications that would have resulted in these listed inquiries. Including inaccurate inquiries violates the Fair Credit Reporting Act ( FCRA ) as it misleadingly makes it appear that I have applied for credit from these entities when I have not. 

The FCRA mandates that consumer reporting agencies follow proper procedures to ensure maximum possible accuracy of credit report information. Reporting unauthorized inquiries constitutes inaccurate information under the law. 

I am formally demanding that each of the XXXX XXXX credit bureaus immediately conduct a reasonable reinvestigation to verify whether I authorized the inquiries listed above. If your reinvestigation can not confirm that I applied for credit with these companies, then you are legally required to promptly and permanently delete these inaccurate inquiries from my credit file. 

If these unauthorized inquiries are not removed from my credit report within 30 days, I will have no choice but to pursue further legal action against your agency for willful non-compliance with the Fair Credit Reporting Act. 

I am entitled to a written notice once your reinvestigation is complete, confirming which items were modified or deleted from my file. Please provide this confirmation once the inaccurate inquiries have been permanently removed. 

Thank you for your cooperation in promptly correcting my credit report pursuant to your obligations under federal law.
Product: Credit reporting or other personal consumer reports

My credit score went back up after I filed my dispute here to restore my credit history then today it dropped randomly XXXX points although another payment to the card was made. They did not restore my credit history as they were supposed to as XXXX XXXX iwas supposed to inform them that the error was on their part by inputting the wrong code when re-reporting the card history. The card was never closed. Not sure why the misreporting is since the card is over 6 months old and so are the payments. Im trying to buy a house! I cant keep doing this. Im going to end up taking you all to court
Product: Credit card

Received XXXX percent offer, went online and accepted offer, after a week of not seeing the payment show up I logged on to XXXX 's and they flagged me for Fraud. I cleared the fraud process, and wait a week no payment. I call and they flagged me for fraud again. It has now been over two weeks no payments and my account is working properly. I paid the credit card out of savings and I am now deprived of earning a significant rate of return in my investments and there may be potential tax implications. 

I have also applied for a new credit card and have received several notices requesting the same information over and over again. 

XXXX 's needs to develop the appropriate internal controls immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX XXXX XXXX and XXXX  XXXX XXXX regarding unauthorized hard -off and a collection account by [ Collection Agency Name ] that I believeinquiries and incorrect charge-off account on my credit report. On XX/XX/year>, and XX/XX/year>, hard inquiries were reported on my credit file without my knowledge or authorization. These unauthorized inquiries have adversely impacted my credit score and subsequently led to the denial of future loan applications.

Additionally, my credit report reflects a few charge off to be inaccurate. I did not default on the account that was charged off, nor have I received any proper notification regarding the collection account. These errors are further harming my credit standing and do not accurately represent my financial history or payment behavior. 

Upon discovering these issues, I promptly contacted Transunion, XXXX and XXXX credit bureau to request the removal of the unauthorized inquiries, incorrect charge-off, and the inaccurate collection account. Despite my efforts and clear communication that these were not authorized or accurate, all parties refused to take corrective action. I believe these actions are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy of reported information and requires that inquiries be authorized by the consumer. 

The unauthorized inquiries, incorrect charge-off, and inaccurate collection account have caused significant harm to my financial standing. Their removal is essential to restoring my creditworthiness. I respectfully request the Consumer Financial Protection Bureaus intervention to investigate this matter and enforce the immediate removal of these items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went to purchase a car at XXXX XXXX in XXXX, NJ. I applied for financing through XXXX which they submitted to various banks. One of the banks ( XX/XX/XXXX XXXX denied my financing based on a Credit Report from Sage Stream LLC. I had never heard of this credit agency before. I always keep my credit reports frozen at the 3 main credit agencies ( XXXX XXXX and XXXX ) to protect my scores and potential identity theft. My scores at those 3 agencies are all above XXXX. My loan was quickly approved at XXXX using my XXXX  score so the loan approval is not my issue. My primary concern is Sage Stream LLC. I immediately searched for Sage Stream online and found dozens of complaints similar to mine regarding Sage Stream. The following day, XX/XX/2020, I submitted an online request to receive a copy of my free credit report according to the instructions on the Sage Stream website providing all required information including a copy of my driver 's license. I requested a copy of my free Credit Report and I requested that my Credit Report be frozen with Sage Stream. As of XX/XX/2020, I have not received any reponse from Sage stream in the mail. I have also left 3 messages on their voicemail at XXXX XXXX XXXX XXXX which they claim they will callback within 48 hours ... never got a response. No one ever answers the phone and they pretend that " all operators are currently busy ''. There is no ability to email, chat or communicate in any way. It is amazing to me that a credit reporting agency is allowed to operate this way in 2020. I'm concerned that I've provided personal information to a blackhole. I want a response from this company so I know why the bank denied my financing request so I can take the next step to dispute any potential inaccuracies on my Sage Stream report. I also want my credit report frozen at Sage Stream immediately to protect my data. I hope someone at CFPB will hold this company accountable for these shady business practices. There are a couple dozen identical complaints about this company on the CFPB website under the parent company name of ID Analytics. They are also a subsidiary of XXXX. I look forward to your prompt response in resolving this matter. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of several collection accounts listed on my credit report, which I strongly suspect to be fraudulent.
Product: Mortgage

WE fell on hard times with our business, we asked flagstar to give us a lower payment, or sometime to recover, instead they kept us in a crazy loss mitigation for more than 1 year, and instead of lowering the payment, they made it almost {$1000.00}. more because they added all of the back payments, interest and late fees. 
We love our home, we are trying to get back on our feet, but now we 're 4 payments behind again, and we 're now trying to sell the home because we ca n't take the XXXX anymore, but the mortgage is now so high that I ca n't sell it for what I Owe. 
Flagstar did not help us they, are preying on us and the fear of foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian via USPS Certified mail on several occasions now about an account on my credit file affecting my credit score which is showing incorrect data such as late payments. The account XXXX XXXX XXXX XXXX, Acct # XXXX, 30 Days Past Due, and 60 Days Past Due which is not correct information because I have never been past due. 

I have reached out to XXXX XXXX XXXX XXXX Branch Manager XXXX XXXX in reference to this incorrect information, and she wrote me in an e-mail stating that there are delinquencies being reported to the credit bureau at all. I forward a copy of this communication from the Branch Manager to Experian after I disputed the account and Experian still says the account information is correct even tho I reached out to the bank who states no delinquencies being reported to the credit bureau. I am trying to resolved this matter asap or I will be force to file court filings in this matter against Experian. 

Experian keeps verifying the account information is correct when it's indeed incorrect. The Experian Report # XXXX.
Product: Debt collection

Hello, I have received multiple phone calls from " Diversified Consultants ''. When inquired about the nature of the call, the lady told me it is a for a personal business matter regarding my wife. I have asked twice now with two different employees to elaborate on what kind of personal business matter. Neither would chose to do so and hang up. One is named XXXX XXXX. The second is named XXXX XXXX. Neither of two is very willing to share any information except implying it may be a debt collection. I do not recall owing any sort of debt. I have searched for the company and found them to be associated with many scams. If a debt is owed, I would like proof. Otherwise I do not want them to call again. Thanks
Product: Checking or savings account

In XXXX of 2021 I opened a business account with Chase. I never received my card in the mail, multiple people in my home, myself included got really sick and I was dealing with way too much associated with covid. I lost both my aunt and my grandmother. I realized in XXXX that I never got my card. I called chase and spoke with a representative and advised her what happened. She indicated that where were no charges on my account she is going to close that card and fed ex me a new one. She did as she said and I received my card in 2 days. I used it for 2 days before I got declined. I opened the account with about {$7500.00} there is no way that it could have been declined. I called chase and was told I am in collection! I kept receiving multiple calls and when I tried to rectify it, I was told there was nothing that could be done! I only had 30 days to report the incident and because I did not, I am not eligible to report it! I lost {$7500.00} that is truly ridiculous and unfair! I reported it to the consumer financ4e in XXXX and a representative4 from Chase called me and said they would start an investigation and call me back. I haven't received a call and have been calling them since! Please help!!!
Product: Checking or savings account

I received a call from the XXXX XXXX of PNC on XX/XX/2023 from XXXX XXXX XXXX stating PNC was closing my account and l would be receiving a check within a few days. On XX/XX/2023 l received an email stating that PNC wants more time and l don't understand what for? XXXX HAVE NOT RECEIVED ANY FORMAL STATEMENT FROM PNC, ONLY THAT THE PERSON WHO PLACED THE HOLD WAS ON VACATION WHICH TOOK A MONTH AGO. SINCE THAT I HAVE RECEIVE A NOTICE TO VACATE FROM MY LANDLORD AND I HAVE NO MONIES FOR FOOD AND BILLS. PNC BANK HAS NO RIGHT TO HOLD/DELAY RETURNING MY FUNDS. PNC HAS CONTINUED TO IGNORE MY REQUEST TO EXPLAIN WHAT HAPPENED AND OR WHO THE INDIVIDUAL RESPONSIBLE FOR PLACING THE HOLD OF THE ACCOUNTS NOT SURE IF YOU CAN ASSIST ME WITH FILING A CIVil COMPLAINT AGAINST PNC FOR DESCRIMINATION, BUT THIS MATTER HAS CAUSED A SEVERE FINANCIAL TOLL.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have been ignoring my requests for the correction and update of the disputed accounts that are reporting erroneous information on my Credit File. Under the Fair Credit Reporting Act, the Credit Reporting Agencies are required to report accurate information and verify the accuracy of the accounts and information on a consumer 's Credit File. Also, the Credit reporting Agencies have failed to respond to my dispute letters that I have been sending to them. These action by the Credit Reporting Agencies is a clear violation of FCRA and is punishable by law. I am submitting this CFPB complaint to request to the Credit Bureaus once more to correct, update and or remove the following accounts on my Credit File that continues to report erroneous information : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$6000.00} DEPTEDXXXX XXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX : {$2400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}. Also, I have been requesting that the Credit Bureaus send me copies of proof of verification from their investigation of my disputes. However, the Credit bureaus have been failing me and were not able to send me copies od documents I have been seeking.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is reporting incorrectly to XXXX; XXXX and Transunion a charge-off in the amount of {$10000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 2 attached from my credit report. ) The vehicle was defective and falls under the Lemon law for the State of California and therefore I am not financially responsible for any of the debt associated with this vehicle. This incorrect reporting of a charge-off is hurting my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Date : XX/XX/year> To : SageStream , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear SageStream Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX MA XXXX XXXX XXXX XXXX, XXXX, SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX XXXX XXXX, SPRING OAKS CAPITAL LLC is not licensed to perform any debt collection of any kind in the State of New York ( see attachment ). At this point SPRING OAKS CAPITAL LLC is in violation of 15 U.S.C. 1692e - False or misleading representations. Also SPRING OAKS CAPITAL LLC and XXXX is currently in violation of 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

And 15 U.S.C. 6803 ( a ) ( 1 ) ( 2 ) ( 3 ) which states : ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.
Product: Mortgage

Refinanced existing mortgage with Bank of America in XX/XX/XXXX. Previous mortgage ( also with Bank of America ) included both my name and my husband 's name. Indicated to loan officers verbally and in writing that I wanted both names to appear on mortgage and was told that would happen.

After refinance closed I discovered that my name was the only one on the mortgage. Was not told at any time during the mortgage application process, underwriting, or closing process that this was the case. 

Called Bank of America and spoke 3 times with loan officer ( XX/XX/XXXX ), Assumptions Department ( XX/XX/XXXX ), and Customer service ( XX/XX/XXXX ), and they could not explain why this had occurred or describe a process to rectify this error. 

I want my husband 's name to be added to the mortgage. Thank you for your assistance.
Product: Debt collection

AMOUNT {$750.00} : XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; I have been writing them and XXXX  months later still have not received the information I have been requesting. I have been asking for the Original Purchase Agreement signed by all parties ( including myself ) since my personal information has been passed around to people I do not know. This account has been charged off, and I do not owe these people any money since it is NOT their debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I had a credit score of XXXX. There were no issues regarding a XXXX  XXXX XXXX credit card on my history. After the car purchase, my credit dropped dramatically. After looking into this, I discovered that Lexus had pulled 2 hard inquiries ( 1 without my consent through Toyota ) and  suddenly I was getting hit with an issue with a XXXX  XXXX XXXX credit card. I attempted to fight them and explained I never applied for the card. My husband XXXX was the applicant. They argued with me that I was a co borrower of this card. Furthest thing from the truth. I requested proof of my signature for this card and after months of waiting they sent me a scribbled line that they claim was my signature. It was not. My signature card on file with XXXX XXXX XXXX is very legible ; as it is with all my signatures. I feel that because they are a large corporation they are attempting to fraudulently place my name with my husbands battle with them. I never once purchased anything on this card. My husband is currently in conversations with settling with them on his own issues of this card. I am beyond frustrated that it never came up until last year. It has ruined my credit score. I feel helpless and will not accept something that is not mine.
Product: Payday loan, title loan, personal loan, or advance loan

Account XXXX Synchronicity Bank This debt was paid in in full by check on XX/XX/year>. The final payment/settlement check was accepted and deposited by Synchronicity Bank . They are still unlawfully seeking to collect on this debt even though the matter was settled. 

This was a loan payable in auto payments for a XXXX XXXX The auto pay was taken out every month, payable with a XXXX percent interest rate. There was a misunderstanding regarding the teaser rate, and the Bank then sought to claim all of the back interest. I spoke to a supervisor on the phone, and offered a settlement of only the outstanding balance. I sent a check marked FULL AND FINAL PAYMENT with an offer letter. The bank accepted my offer and deposited my check. 

This matter is resolved and settled. They are unlawfully still trying to collect and have notified credit agencies.
Product: Credit card

I am unsure of the first date I called but it was in XX/XX/XXXX. I had called because it said I missed a payment despite autopay being on and having money in my account. They had said my account closed to which I corrected the information with them and they said that the problem was resolved and the autopay was fixed. Today XX/XX/XXXX I called because they closed my account due to dishonorable payment history and when I explained the situation they told my wife that the account will remain closed and they apologize for the inconvenience. This is not how autopay works and this is not honorable business seeing as how the issue was date of payment and their system is flawed. The representative on XX/XX/XXXX even admitted that her coworker on the previous call mishandled my account and didnt set it up the way he had described.