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

On XX/XX/21 a medical collection was erroneously added to my credit report. XXXX deducted XXXX points and Experian deducted XXXX points. I contacted the collection agency to have a letter sent to the credit bureau as confirmation that the bill had been paid and the collection should be deleted. XXXX responded promptly, acknowledged the letter, deleted the collection, and added the XXXX points within 24hours. Experian also acknowledged the letter and deleted the collection however refuses to add back the XXXX points they deducted due to the error. I have filed two disputes with Experian and spoken with a supervisor along with a complaint. I continue to receive responses from Experian advising me that they do not control my score. I have been directed to MYfico, to resolve the scoring issue. My Fico advised me that the credit bureau calculates scores and then provides them with the information. I have recently been approved for a home however I will not be able to close due to my credit score. Most lenders use Experian, XXXX points deducted from my credit score is substantial and will take me a year to recover. I am a Veteran and a first-time home buyer, this is a serious matter to me as I have worked very hard to get my score to a place where I would qualify for a home. Please look into this matter sooner than later as I may miss the opportunity to purchase a home for myself and my son. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows inaccurate and unverified account from XXXX. I have reported the issue to XXXX on XX/XX/2021 via phone and XX/XX/2021 via certified mail. XXXX has not validated the inquiries and/or removed them. XXXX is violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), by not providing complete and accurate reporting at the request of the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX   XXXX XXXX, XXXX  XXXX XXXX XXXX were never past due, i never made a late payment to this company ever. I wrote dispute letters to the credit bureaus but they could not even help me, they wont even tell me why they wont reverse the late payments
Product: Credit reporting or other personal consumer reports

Credit Management LP has bought this debt ( XXXX XXXX XXXX ) for the sum of {$310.00} from XXXX XXXX XXXX XXXX which was removed by XXXX XXXX I am a victim of identity theft and would like it removed as soon as possible, This item is constantly resold to different collection agencies. I have provided a police report to them, a written affidavit of identity theft, an FTC affidavit, a bank statement to verify address, social security number, and, driver 's license. and they will not remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and i find two hard inquiries that were not authorized by me. I contact TransUnion and XXXX XXXX about the fraudulent inquiry and they agreed to remove it from my credit report but they never did. Today i check my credit report and XXXX XXXX  add another inquiry to TransUnion report that i did not authorized, i call them and they both said the same thing. I'm very frustrated, this is a very serious matter, Transunion and XXXX XXXX  won't help me fix it. Please remove XXXX XX/XX/XXXX and XXXX XX/XX/XXXX from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage with XXXX XXXX was in Covid 19 deferment relief and we have made arrangements for Deferred balance to be place at end of loan with out interest. They ( DMI/Origin bank ) have reported 180 day late on this mortgage two months in a row. I also learned from an employee of theirs that this has happened to thousands of mortgage holders with them. This has caused my to have a denial on a requested loan from XXXX. I was trying to secure a loan for my freshman college student. Now the loan has been denied because of this action on their part. My credit score has also faulted over XXXX plus points on all credit reporting bureaus. Payments are {$1800.00} and have been paid as agreed...
Product: Credit reporting, credit repair services, or other personal consumer reports

I urge you to remove this loan from my report as soon as possible. I am taking all necessary steps to report this fraud and I hope that your company will cooperate with me in resolving this matter quickly and efficiently. It is important for me to maintain a clean credit report as I rely on my credit for important financial decisions. I have always been diligent in my financial affairs and I hope that your company will respect my efforts to maintain my credit score.
Product: Debt collection

RE : Medi credit inc. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX , Mo XXXX Date of Service : XX/XX/XXXX to XX/XX/XXXX At XXXX XXXX XXXX XXXX of XXXX XXXX XXXX. XXXX XXXX XXXX Co XXXX This account has been purchased by Medi Credit and they now are in 100 % control of the account. During the last 1 year since the date of service I have tried to resolve this through numerous sources. 
1-XXXX  XXXX XXXX XXXX XXXX  XXXX. Mr XXXX XXXX XXXX XXXX XXXX at hospital. 
2- XXXX ( Benefits Adviser for XXXX XXXX ) XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX Ms. XXXX XXXX Patient Advisor 3- XXXX XXXX XXXX . of Human Services ( Medicaid administrator in Colorado ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Senior account manager ) All 3 of these sources are not able what this {$1700.00} id to be credited to or what it is for? This was paid in full in early XXXX and the reversed. They do not know why? There is " No '' " Zero '' explanation of where it is allocated/credited to. I have had over 10 in-person meeting with all 3 of these administrators and they can not explain and furthermore do not believe that I owe anything after 1 year. 
Medi Credit it turns out is a collection agency that is repeatedly stating that they are working on behalf of XXXX XXXX which is simply not true. They have stated numerous times that they have resubmitted the {$1700.00} for clarification or medicaid payment which is also not true.
Product: Checking or savings account

On XX/XX/2023 I filed a dispute against XXXX XXXX  XXXX  for not properly fixing breaks on my car with Capital One whom I have a checking account with. Capital one never responded to this dispute with a provisional credit or the outcome of the claim. On XXXX XXXX Capital One went inside of my account and debited XXXX. I called capital one on XX/XX/2023 at XXXX because I was confused as to why money was taken when a provisional credit was never given and they pretty much paid XXXX {$650.00} for messing up my brakes in which I had already paid them {$320.00} for the brakes in which I was already disputing. Capital one illegally took funds from my account and when speaking with a representative, they acknowledged that it was not a provisional credit given and they arent sure why the money was taking. The representative said that they would reach out to their back office as it was nothing more they could do. Capital one made an error and took money that I needed and are making me wait to receive it back. This is illegal and not a minor error and I need my money back asap because I have bills and its impossible for you take make an error this bad. Capital one needs to be help financially liable for this mistake
Product: Credit card or prepaid card

During Covid-19 pandemic, citibank is refusing to remove late fees, even though the business i work for us still closed and we dont have a date of opening yet. During such a hard times, Citibank doesnt care to remove fees, even though other banks removed it without me even calling them.
Product: Mortgage

I am a JP Morgan Chase bank customer and applied for a HARP loan after a business bankruptcy. After 14 months of constant faxes and calls I was told the rate would never go above the current XXXX XXXX rate which at that time was 2.5 %. I was never told that after having a current mortgage, they would add all the interest, attorneys fees and all the bank fees which totaled {$35000.00} and the maturity date was extended 15 years. also the rate came back at 5.125 %. when I received my paperwork for signatures I just about fainted and after calling Chase was told if papers were not signed and received the next day foreclosure would start. I had no choice. So I went from a current loan to one that balance raised {$35000.00} and extended 15 years, I never would have that if I had been told this. Chase Bank is the most corrupt bank I 've ever dealt with. I was bullied into signing papers or lose my home.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

This home ( mortgage ) was sold on XX/XX/2020 but still shows as an active loan on credit score..even after filing a dispute
Product: Credit card

CHASE FREEDOM CREDIT CARD I just signed up and received a Chase Freedom Card last month and today I received my statement and was shocked to see all XXXX digits on my statement. I was in awe and shocked so i called their customer service number. He told me that all Chase credit card statements have all XXXX digits listed. I told him that I have several other credit cards and they only send statements with the last XXXX digits of the card. He told me he could n't do anything so I asked to speak with a manager. He transferred me woman manager who told me the same thing but said she had several other members complain about their statements having all XXXX digits and would escalate this issue. 
This just makes it easier for someone to commit fraud.
Product: Debt collection

Collection agency has repeatedly contacted family members that are frustrated with receiving the harrassing calls.
Product: Debt collection

On Tuesday, XX/XX/XXXX I was contacted by phone at around XXXX XXXX  by the California XXXX XXXX. The employee on the phone was XXXX XXXX ( ext. XXXX ). XXXX XXXX THREATENED me with the defamation of my consumer reputation stating that if I do not pay the debt he alleged or set up a payment plan for said alleged debt, he would have the debt hit my credit which would damage it. I told him that I did not recognize or assume responsibility for the debt from XXXX XXXX XXXX XXXX XXXX for patient XXXX XXXX XXXX on XX/XX/XXXX. This is where he got very obscene and mocked me saying, Oh you dont remember receiving care for your own daughter? At this point I felt directly insulted and attacked by his questioning of my parenting because of the tone he mocked me with. He also used a previous call that was made by another representative to me back in XXXX of XXXX, during Covid, where I stated that my husband had just DIED and I was mentally distressed and incapable/unable to conduct any business with them and to cease all telephone communication. He claims that was my way of VALIDATING that the debt was mine, which I never did. The FDCPA 809 ( c ) states that The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. and he construed my comment as such. He also claims that he could not provide me with a validation of the debt to my address because it was already sent. I have NEVER received such validation nor do they have proof of delivery thereof. When I asked about the other information on my file as I am entitled to, he stated, Im not going to sit here and read you your entire file just because YOU do not have YOUR ducks in a row. According to the FDCPA 806 ( 2 ), The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. The natural consequence of his language in this irrefutably obscene exchange was to abuse the hearer, me, and I feel as such. XXXX XXXX of the California XXXX XXXX not only mocked my capabilities as a parent but also violated the FDCPA in his attempted collection of the alleged debt he accused and threatened negative action for. After this harassing debt collection phone call I am left severely distressed.
Product: Credit card or prepaid card

In XX/XX/XXXX, I purchased an airline ticket for a flight to XXXX, XXXX. The flight was expected to be in XX/XX/XXXX. However, covid 19 happened. The airline stated that they would give a voucher before they shut down flights. The airline was shut down from that point until XX/XX/XXXX. However, when they resumed flights, they announced that they no longer fligh to the United States. They strictly are flying within XXXX. As a result, the flight voucher is of no use to me. I tried contacting XXXX XXXX XXXX  multiple times via telephone and then via email as directed by their site to request a full refund. I have not been able to reach a single person! Nor have I received an email other than a confirmation that they received my full refund request. So, to remedy the situation, I contacted my credit card company ( CapitalOne ). I called once in XX/XX/XXXX and filed a claim and hadn't heard anything. So, I called again in XX/XX/XXXX to see how things were going and was told that the representative I spoke with never even put in my request. I filed another claim in XX/XX/XXXX, and they are now telling me I am too late to dispute the claim. Which is ridiculous! I had no idea that I wouldn't be able to use/redeem the voucher until a couple of months ago because, like every other company in this time, they strung me along for an entire year. In addition, now that I am trying to get my money back, they are not responding. CapitalOne should be accommodating because this is no fault of my own. Yet, they want to keep the money and say that it is out of their hands because of some timeframe set by federal regulation. Any said timeframe should be obsolete! No one knew covid 19 would happen nor how to handle the repercussions of the event. It's been about a year ; the company should have something put into place by this time for situations such as this. But, they are telling me that I need to contact the federal government. I am virtually out of {$1800.00}. At this point, it feels like the money has been stolen from me. This is utterly unfair and basically criminal! Please assist me.
Product: Vehicle loan or lease

I have had a Wells Fargo auto loan since 2018. Saw there is a settlement on charges that could have affected my loan. Filling a complaint to seek resolution.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. Account : XXXX XXXX  XXXX XXXX ( CLOSED ACCOUNT ) payments late year XXXX In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Debt collection

Midwest Recovery has made numerous attempts to collect a debt that I no longer owe. They list several accounts under my name with an original creditor of XXXX XXXX XXXX XXXX First of all, the original provider failed to bill Medicare per contract. After the statutory time elapsed to file a claim, the original provider turned over the accounts to collection. I settled this account for a lesser amount with an earlier collection agency in order to remove it from my credit report. That agency represented XXXX XXXX and was called XXXX XXXX. There is no further obligation on my part -- if Midwest Recovery purchased these accounts, it was to their detriment as the accounts were settled long ago. 

I have asked Midwest Recovery to validate the debt and they have ignored my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the credit bureau asking for them to validate the debt, they've sent a letter back stating the incorrect disputed ; collections account is correct there on their end. 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. 

They know that the debt is inaccurate at the time of my dispute and of them continuing to report whats now known to be inaccurate multiple times, but refuse to remove disputed account not validated.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX & XXXX. I placed two orders with two separate companies for products being sold on their website. I was going to use my PayPal account to pay for the purchases I was making. I was informed by both sellers that I should use the " Friends & Family " option for my payments, due to the some website transaction glitch on their end. I thought nothing suspicious at the time & made my purchases for {$280.00} from XXXX on XX/XX/XXXX. XX/XX/XXXX I was making a purchase from XXXX for {$370.00} & was informed of the " Friends & Family '' option as well. I was sent emails with my transaction purchases & given an email address to use as the recipient address for the payments. I made the transactions & sent the requested payment info to the sellers. I was informed that they would soon be processing my orders & would be sent an email with tracking # 's for the purchases. After 5 days I tried reaching out to both sellers. I got no response from either. I then contacted PayPal to report my account issues. I was informed that I was denied fraudulent status on both transactions because of the " Friends & Family '' option was used for the purchases. They never reached out to me for more information about the transactions. I saved all the back & forth emails from me and the 2 sellers as proof of the transactions being pushed as " Friends & Family ''.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, ** I am writing to request the immediate unsuppression of my TransUnion credit report. I recently discovered that my credit report has been suppressed, which is affecting my ability to access important financial services. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to access my credit report and dispute any inaccurate information. I believe that my report has been suppressed in error, and I request that you remove this suppression immediately. 

Please find attached copies of my identification, proof of address, and any other relevant documents to support my request. I also request that you notify me in writing once the suppression has been removed. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

Today is Friday, XX/XX/year>2025. I should have had my direct deposit from my job deposited into my account with Capital One since Wednesday, XX/XX/year>2025. There was no notice of any problems with this occurring until Thursday night. There has been no update from Capital One on what is going on nor when this should be fixed. I have bills to pay and mouths to feed and am currently unable to due to this happening. I am also not the only citizen having to deal with this issue and it is simply unreasonable and unacceptable.
Product: Credit reporting or other personal consumer reports

CFPB, it's been over year calling, online disputing with TransUnion about this hard inquiry that I know nothing about. TransUnion continues to ignore it. Someone needs to take accountability
Product: Checking or savings account

Chase Bank has a history of placing burdensome deposit holds on my account every time I deposit a check and they never give me an explanation. I have been using the same account with them for over 10 years. Every time I deposit a paycheck to my Chase Bank account, they place a hold on it sometimes for as long as 12 days or more. Even when its a check written from a major bank that operates locally from a remitter who has paid me many times before, they place a hold on it without giving me an explanation or making any part of the funds available. 

Most recently I deposited a check for {$8100.00} written from a Chase Bank account and they still placed a hold on it even though I deposited it in person at a Chase Bank. Even after verifying the funds and calling the remitter to have him verify that the check was valid, Chase Bank still refuses to release any of the funds and when I ask why they tell me that information is confidential.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
XXXX XXXX XXXX, AZ XXXX XXXX  XXXX {$2800.00} XXXX  XXXX XXXX {$510.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} AZ XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX {$740.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX A XXXX XXXX XXXX, XXXX XXXX XXXX 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 A XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX A XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX