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

I ordered my annual free report from " ChecxSystems '' Consumer Relations located at XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX XXXX and received it Saturday XX/XX/2018 in there it has variations of my First Name, Middle initial, and Last Name. There were 3 variations of my current address. I Called this morning XX/XX/2018 to ask the Rep. if he can consolidate my Name variations and address variations and he said " I apologize but I can not do that '' I asked him to check the manual or with the manager, since in the past I would make corrections on the " Big 3 '' credit reporting agencies and had relatively no problem fixing up and consolidating variations, but he was unwilling to help in this matter. This is why I am opening this complaint since I do not believe that corrections and consolidations can not be made. 

Letter is by me should, and I will upload it when asked. 

Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Opinion ... .after years of trying to resolve the misinformation, incorrect reporting, omissions and frankly outright no concern for accuracy and your evidently by example inept staffs, or non concern for what you claim you are we have paid off ALL of our debts including those who have submitted us to collections. You will NOT get a reply for months. Yet, anything negative, wrong or incorrect you post immediately. In my opinion you are a fraud impacting millions. I look forward to monitoring how long it takes ( if ever ) for our credit scores to go up! We will not hold our breaths. As for the CFPB I do not expect them to even read this which is their SOP- SEND IT AND CLOSE IT IMMEDIATELY. I expect a send me your identity XXXX XXXX for these inept agencies as a delay. TRUTH BY WORKS AND FACTS WHILE YOU ALLOW negative information to be posted immediately and these agencies have off shore staff capable of accessing Americans ibfirmation even while warning us of confidentiality.
Product: Credit reporting or other personal consumer reports

company refuses to remove the account i have now went further this is my 3rd time providing them with a ftc report I'm requesting now for immediate removal.
Product: Debt collection

I entered into a consumer credit transaction with TD Bank XX/XX/2019. A consumer credit transaction is a transaction which a finance charge is involved. Pursuant to 15 usc 1605 A finance charge is the sum of all charges in a consumer credit transaction. Because I know a finance charge is the sum of all charges I was not expecting to put {$500.00} down to extended credit.

TD BANK N.A has furnished bad debt on my consumer report which is ruining my reputation, and it is defamation of character. Which is a violation of 15 usc 1692d
( 1 )
Product: Debt collection

I have been monitoring my credit for over a year all of a sudden in XX/XX/XXXX this company states I owe them {$550.00} and the date of the first delinquency is XX/XX/2012 over four years ago. I have no idea what this is and why wait four years to say I owe this debt. I have not rcvd a debt validation or anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried retrieving my Equifax report via annual credit report and by calling Equifax they are not able to verify me although the verification questions asked are answered accurately ... .the report is not accurate
Product: Payday loan, title loan, personal loan, or advance loan

They advertise to help people with bad credit scores they will loan you money? I believe Inasked for {$500.00} and another time {$1000.00} and was denied because of my payment history had delinquency and late payments reported and the information came from XXXX however I was unlawfully denied an extension of my credit an was given the key facts and the key facts violated Title 15 law and regulations under Title 12 CFR and TILA and denied me my own credit is violation and that is discrimination and illegal to deny me credit especially after i gave them the the laws there to abide by and they ignored my claim or reconsideration and continue to refer to history of delinquency is the reason and so XXXX used my social security number as well many times with out my consent and that is a violation each time they used it and i was never formally sent a written notice or anything asking for permission to use my information and these violations have fines larger then what i asked to barrow?
Product: Debt or credit management

Received email from attorney for loan modification stating a Federal attorney is assigned to me for a trial and loan modification without any paper work.
Product: Checking or savings account

I was advised my social security number and other financial information was leaked through the XXXX data breech. Ever since then, most of my banks end up with unrecognized charges. Someone is fraudulently accessing my accounts and doing major damage to me financially. 

My discover checking has more unauthorized transactions than I can count and my XXXX was also hacked. XXXX XXXX  sent me $ XXXX worth of payments but I didnt receive the first two, ( {$4000.00} & {$8400.00} ). Those two were stolen by a XXXX XXXX sent numerous emails and calls to XXXX and XXXX and I still havent got my money. You can see in the XXXX photos uploaded there is the name XXXX XXXX listed at the top of the notifications. 

This individual added my phone and email to her account so she could reroute my funds into XXXX account. XXXX advised my insurance company to take action and they have dropped the ball claiming that when they contact the issuing bank, which is XXXX XXXX XXXX for XXXX XXXX XXXX XXXXXXXX does not give them any access to the insurance companies financial information however, I have a document from XXXX instructing XXXX XXXX XXXX to take action, and to dispute the first two payments and question and XXXX would voluntarily without any issue. Go ahead and Refund those payments and send them to me, however, travelers insurance claims that their bank does not give them the option to do so If somebody could hold XXXX responsible and demand that they resend the {$12000.00}, I would be satisfied with XXXX, however, Discover, XXXX XXXX, XXXX, XXXX XXXX  XXXX, and XXXX all have outstanding balances
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights! Under 15 U.S. Code 1681s-602 states " I have a right to privacy. '' 15 U.S. Code 1681as2 " It also states the consumer reporting agency can't furnish an account without my written instructions. '' Under 15 U.S.C 1666B " A creditor may not treat a payment on a account under an open and consumer credit plan as late for any purpose ''.
Product: Checking or savings account

I have had a checking account at Navy Federal. While traveling to XXXX XXXX and a few times in town in XXXX XXXX, I had fraudulent charges that used my bank debit card. On XXXX XXXX charges made with XXXX for a messed up reservation for XXXX were made and cancelled by both myself and XXXX XXXX however, the bank charged me. Also, this happened at XXXX XXXX so frequently I quit using my debit card. There had been fraud with clergy. They reported a strange name used my identity but no charges were taken and I did not get the report from a year ago. This now is happening again. XXXX XXXX XXXX  for {$38.00}. Was charged on my card from a XXXX local gas station but I did not visit that shop. It was not removed. I need forensic accounting to know the real cause of my XXXX year problem with the XXXX banks but presently just Navy Federal Credit Union is involved. My account is on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate. It is a military account with a military widows pension. Also, last year a charge card at XXXX was ran up to {$4500.00} I did not use this card. There were repeating fraudulent debits occurring between XXXX joints accounts that started the electronic crimes in my accounts. The loss is upwards sixty grand now. Can you run forensic accounting on these XXXX small charges and give me the knowledge I need to stop the electronic criminals.
Product: Credit reporting or other personal consumer reports

XXXX CARD STATEMENT FOR CAPITAL ONE CARDS ENDING IN ( XXXX and XXXX ) were PAID ON TIME BEFORE CLOSING OF STATEMENT DATE. COMPANY REPORTED TO BUREAU LATE AROUND XX/XX/2024 CAUSING MY XXXX XXXX TO DROP XXXX POINTS. I HAVE DISPUTED THIS ISSUE WITH XXXX, XXXX, AND XXXX. NO RESULTS. PLEASE MAKE CORRECTIONS ON MY CREDIT REPORT. MY PAYMENT WAS NEVER LATE. BURDEN OF PROOF IS ATTACH.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires are fraudulent and do not belong to me. Please remove them from credit report. Please see below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX/TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- - TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION
Product: Consumer Loan

My auto loan has showed up on my credit report from XXXX. This was a loan that was payed off in full by my insurance company " XXXX '' because my husband was in a car accident that resulted in a total loss. My insurance company paid what TDBANK said was a full payment for the vehicle before XXXX/XXXX/2012. TD Bank is reporting on my credit that there was {$290.00} owed and finally charged off. I received NO information about this or would have realized this sooner. This is greatly impacting my credit report because it was an auto loan. It 's fraudulent. I called TDBANK about it yesterday XXXX and they said I would have to contact you and file a complaint and have you investigate it. I sure wish I had realized it was on my credit report years ago!
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One, call me and I set up a payment arrangement, and they said they will not close my account because it was there error, And they send me a letter stating they are responsible for this bill
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous hard inquiries from XXXX. They are on all 3 of the  credit reporting agencies about me. I went into XXXX XXXX with a pre-approved loan in-hand. I never authorized/signed any loan application while I was there. I see 9+ inquiries on my report that I never authorized, including one directly from the car dealership itself. I'd like to get these hard inquiries removed. XX/XX/2017.
Product: Debt collection

XXXX XX/XX/2018 received billing statement from " XXXX '' for {$0.00} dollars. This is similar to a credit card account. Problem is I did not sign up for this service. The service acts as a Health Care Credit Card account and collection ( including interest penalties ) for XXXX XXXX XXXX XXXX XXXX in XXXX Texas and surrounding area. I did not sign up for this service and immediately called ( XXXX ) and talked with " XXXX XXXX '' and told him I did not sign up for this service and cancel it immediately. XXXX said he would cancel the service. XXXX said he was aware I did not sign up and it was done by XXXX XXXX XXXX XXXX XXXX and in connection with XXXX Bank. I told him I did not appreciate the attempt by both the aforementioned to enroll myself in an account that I did not want nor believe is in anyone 's best interest and that I was filing a complaint with the CFPB.
Product: Credit card or prepaid card

On XX/XX/XXXX, I used my Citi XXXX to pay {$160.00} to XXXX for an art print. I received the print, but on XX/XX/XXXX, after listing it for resale online, I found out it was in violation of the copyright of XXXX, XXXX. I contacted XXXX who refused to accept a return and/or issue a refund. On XX/XX/XXXX, I called Citi to dispute the charge. The operator said that I would receive a condition credit within 2 to 3 business days. I called back on XX/XX/XXXX to inform Citi that 3 business days had passed, but I did not have the credit. They said it would be an additional 2 to 3 business days, but could not tell me why it was extended when I asked. On the morning of XX/XX/XXXX, I received an e-mail from Citi saying that there was a document online for me to review. The document was dated XX/XX/XXXX, and said ( in part ), " During our investigation of your inquiry, the amount in question was temporarily suspended from the amount you owe. '' However, the credit still didn't show on my account. My statement was released today XX/XX/XXXX, and was dated XX/XX/XXXX ( after the date on the letter ). The statement listed the {$160.00} dispute, but did not provide any temporary credit. I called Citi to ask why, and the representative said it was because the charge was so long ago. I told her that I was told I would receive a temporary credit by 3 different representatives, all of whom knew the date of the purchase. She said the credit " will be '' issued, but when I asked her to address the letter that said it " was '' ( past tense ) already issued, she completely went silent and refused to speak to me.
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 # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Biehl & Biehl Inc. has been harassing me and my company regarding alleged debt from XXXX XXXX. My company has paid all invoices from XXXX XXXX in full, and owe no money to XXXX XXXX, XXXX XXXX XXXX, or Biehl & Biehl Inc. Despite my full cooperation in emailing documentation as well as mailing documentation proving full payment of {$6700.00} to XXXX XXXX in XXXX of 2020, Biehl & Biehl Inc. has ignored my communications and persists in calling myself and members of my family. On two occasions when Biehl & Biehl Inc. called me, I verbally instructed Biehl & Biehl Inc. to cease and desist all communications with myself and my family. Despite these verbal instructions, Biehl & Biehl Inc. continued harassing me. Eventually, I mailed Biehl & Biehl Inc. a certified letter demanding they immediately cease and desist all communications with myself and my family. Not surprisingly, they ignored the cease and desist letter, even after signing for it, and still harass myself and my family to this day.
Product: Debt collection

There was not a selection above that truly fit my complaint. I was referred to XXXX XXXX lawfirm by XXXX. They told me that my account had not been sent to a 3rd party but that was a lie. This is a collection agency. I called their office at XXXX and spoke with XXXX. I asked her my balance and advised her that I wanted to set up a payment arrangement. She begins asking me very personal and invasive questions. Such as how much I make and who I pay my car payment to, and what the year make and model of my car are. I asked her why she needed this info she then tells me its so they can collect on the account. she never gave the intro of " this is an attempt to collect a debt .... '' and when i refused to answer her questions that I felt were invasive she refused to work out a payment arrangement with me. I asked straight up if she was refusing my offer to make payments. She straight up said yes. I disconnected the call at that time. I do not feel they need to know such personal information to set up a payment arrangement. I work in collections also and we would get into trouble for asking questions like that.
Product: Checking or savings account

On XX/XX/XXXX I had mail from Square , Inc. It was another business debit card that I did not want or request. Today I called and went onto their website to work on getting the account closed, but they have work hours that don't match my life, so I will have to try again tomorrow. 

Once again I do not know who opened this account, what the business name or purpose is, and if any or how much financial activity has occurred on this account. 

What I want is for this to stop! I want this account closed. I would also like any information about this fraudulent account forwarded to the XXXX XXXX Sheriff 's Office in XXXX, Georgia under case number XXXX. 

I have checked my XXXX report again and no request or inquiry from Square is there, so I would also like for them to find a way of verifying applicant identification when creating new accounts. If my credit were run they would have notice the fraud alerts and credit freezes. Had they run the XXXXXXXX XXXX  report I would be fighting with them to have some from of alert system added to my account. As it is I am spending more time, yet again, on this!
Product: Student loan

I went to XXXX XXXX XX/XX/XXXXgraduate XXXX with a certificate in XXXX. I Have never worked in the field because the certificate is no good since XXXX is close. I tried doing right being a new mother at that time. Want to know if i can get my loan discharged for school closing and filing bankrupt in XXXX. Since im stuck with this loan and a certificate I cant use ... ... please help a single mother of XXXX ... ..
Product: Debt collection

NetCredit has responded to my complaint under XXXX incorrectly. Through their response I was identified multiple times by NetCredit as XXXX XXXX. I do not know of a XXXX XXXX, nor am I that person. NetCredit has proven their records about me to be inaccurate as per their statement to the CFPB. Their system is fallable, as it was also scammed by the same individual who scammed me. Please remove the tradeline as you have proven yourself to be in error.
Product: Mortgage

This is a new issue regarding an ongoing foreclosure. In short, I 'm in the process of providing  one fin al piece of information that  Select Portfolio Servicing , Inc.  requested regarding a loan modification application that I completed on   XXXX   XXXX   XXXX  . As part of the completed process,  SPS  did take action to cancel a pending sale that had been scheduled for    XXXX   XXXX   XXXX   . In their letter regarding that cancellation,  SPS  indicated that the  XX/XX/XXXX  sale was canceled, and no further sale was rescheduled. They also said they would advise me in a new date was scheduled. However, on   XXXX   XXXX   XXXX  , the attorney representing SPS -   XXXX   XXXX   XXXX   XXXX   - filed another 'Praecipe Order of Sale ', and as a result of that Praecipe  XXXX  a new sale date of   XXXX   XXXX   XXXX   has been set, with a 'back-up ' date set for   XXXX   XXXX   XXXX  . In a phone call today with the ombudsman fo r SPS, t he representative,  XXXX   XXXX , said there was no sale date scheduled, nor an order of sale issued. I was placed on hold while she called the attorney firm mentioned above, and when she came back on the line, she confirmed that no date had been scheduled or ordered by their law firm. This is the second time in the past year that I hav e been working with SPS on the one hand ( the first time being validation of debt issues, which has still not been validated ), and on the other hand, the attorney group has filed an Order of Sale. This is a clear   illustration of 'dual tracking ' because I submitted a 'Facially Complete ' loan modification application on  XX/XX/XXXX , and yet, another sale date has been scheduled. On top of that, contrary to their earlier statement via letter, I have not been informed of that date b y SPS, an d only learned of it by checking th e Court dock et. Further, on their own monthly  statements to me, SPS reflects that only 1 foreclosure notice has been submitted, but that is not true since 2 have now b een submitted.     What would be a fair resolution to this issue?