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

Contacted TransUnion via its toll free phone number on XXXX XX/XX/2022 to first inquire about an adverse notification from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. Since I know nothing about this financial institution and do not conduct business with it, it will be necessary to report it for fraudulent activity. TransUnion did nothing to resolve the issue during the call ; instead, the customer service representative stated they could only sign up customers for a paid monthly credit monitoring service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of the information on my credit report. After reviewing my credit report from your agency, I have identified several accounts listed with incorrect account numbers. I kindly request your assistance in investigating and rectifying these discrepancies. Below, I have listed the inaccurate account information : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) Account # XXXX reporting to XXXX and XXXX and Account # XXXX to Equifax. 
Please note that these incorrect account numbers are not associated with my credit history or any accounts I have opened. I believe this misinformation could potentially affect my creditworthiness and financial standing, which is a matter of great concern to me. 

Also, the company that operates as a business under XXXX XXXX XXXX is not licensed to collect in the State of Missouri where I am a resident. I have attached their state licenses in the attachments. 

I request that you conduct a thorough investigation into these discrepancies and take the necessary steps to rectify the inaccuracies promptly. As per the Fair Credit Reporting Act, I kindly request that you complete the investigation within 30 days and provide me with a written response of deletion for violation of reporting inaccurate information regarding the findings. 

Furthermore, I also request that you update my credit report to reflect the accurate account information. Please ensure that any associated negative remarks or impact on my credit score resulting from these incorrect accounts and account numbers are deleted accordingly. 

Enclosed with this letter are copies of relevant documentation, including my credit report highlighting the inaccuracies and any supporting evidence, such as account statements or correspondence.

I understand that it is your responsibility to communicate this dispute to the furnishing creditor ( s ) promptly. I expect that you will fulfill your obligations in accordance with federal regulations to ensure the accuracy and integrity of my credit report. 

I kindly request written confirmation of the receipt of this dispute letter and your acknowledgment of the investigation process.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXXXXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$19000.00} XXXX XXXXXXXX Balance Owed : {$280.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$560.00} XXXXXXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$350.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the dates of XX/XX/2020, XX/XX/2020 and XX/XX/2020 I submitted a credit dispute to XXXX, XXXX, and Transunion detailing the false and inaccurate reporting by XXXX XXXX XXXX across all three of my credit bureaus. 

XXXX refused to open the investigation request. Transunion and XXXX  did not resolve the request.
Product: Vehicle loan or lease

Car was purchased in XXXX and reporting that it was purchased in XXXX. I did not know until XXXX that the car was purchased in my name until my relative who did it passed away. I have called and mailed the police report and filled out so many affidavits to prove this isnt my debt. The car was repossessed in XXXX and is still reporting late payments to this day. Every time I call Chrysler Capital they send me a identity theft package. Its all the correct info birthday and social number so they cant help me. The payment was XXXX dollars and the only income they had was a social security check. It should not have been approved. They also told me all documents were signed online.
Product: Mortgage

Since XX/XX/XXXX, as far as we have calculated, PNC bank has been charging extra money within the mortgage # XXXX that we have in our name in that institution, using the escrow as an instrument to collect extra money into the mortgage, we are currently paying more than {$66.00} dollar extra monthly with the current home insurance and taxes paid to the XXXX XXXX XXXXXXXX and the bank wants us to pay them with a new calculation they made on the escrow for the month of XXXX and the entire year XXXX the sum of {$270.00} monthly. We are requesting from you an investigation into this situation that we have already gone through with other banks, which we have reported and we are not being given due attention. Please we have all the evidence of this situation that we are reporting that we will add to this complaint. We have called PNC bank asking for an answer as to why these increases to the mortgage and they told us that we had signed documents where we asked for that to be done. We asked for a copy of those documents two months ago and they have never sent us any of those documents.
Product: Credit reporting or other personal consumer reports

This is to experian credit bureau it is unfair and predatory charging to get free credit score we are entitled too. You have to pay for a membership to get your free credit score it Ludacris and you can't talk to anyone at experian to request your credit report. Why should we write a letter requesting a credit report so you can refer people to go online and pay for a membership NO not fair under the fair credit act not only you must report accurate information but consumer is still entitled to a copy of their FREE CREDIT REPORT. I will not pay for a membership for something that is free I request a FREE copy of my credit report.
Product: Debt collection

I initially contacted the creditor ( Financial Credit Network ) to resolve this debt, but not getting info by law i should have. I provided all necessary insurance information from my primary insurance coverage in XXXX XXXX for my XXXX, I was told that the XXXX  facility would take care of the billing and that my co-pay was {$100.00}. I made the Co-payment in order to proceed with the XXXX  appointment and the billing staff informed me they would get back with me the following day if any issues came up. Since I did not get a call back I assumed that insurance had taken care of the bill ( Billing Dept confirmed prior, if nothing is wrong, then you are good ). I monitor my credit report updates weekly/Monthly but did not see the debt reported till mid year ( XX/XX/XXXX ) stating my account was past due since XX/XX/XXXX ( 14 days after the appointment ) or resolved/updated/removed. I have been trying to dispute the multiple inaccuracies from all three Bureau 's for yrs ( amount due, original amount, date opened, etc. ), but somehow the 3 Credit Agencies keep saying this company has met their reporting requirements. I kept asking for proof from both sides to verify this data from the collector & Bureaus, but just kept getting the same answer ( we dont provide statements, we can give you a settlement payoff only ) or hung up on. My credit report has showed a balance due of { {$400.00} } for 5.5 yrs, but 2 of the 3 reporting agencies showed high balance of {$500.00}. Agency 3 of 3 said highest loan amount was {$0.00}, however, when I called the Financial Credit Network company I was told the amount due was { {$600.00} }. So if that is accurate, why do all 3 credit reports dont reflect this increase monthly over time? This is just 1 of many errors i requested proof of in order for this collection to be valid. The letterhead info, balance due, owed, open dates, last reporting dates, etc. doesnt match across all 3 bureau 's which adds more inaccurate info being reported as well. After receiving the payoff letter that i had to yell/demand in writing, just to get some sort of legit proof ( so i can take legal action ), i then wrote to all 3 Credit Bureau 's a very detailed individual letter outlining the inaccuracies across the board as proof of these errors and as of today XX/XX/XXXX, only 1 of these 3 ( XXXX ) has removed it from my report. I have done everything i can to provide these detailed explanations with proof just to keep getting rejected. Maybe its an automated robot investigation and not a human? i dont know, but its not following the laws they are required to do so, therefore i am done trying to explain it over and over to them. Please help, They refuse to remove all these errors and its really effecting my score.
Product: Debt collection

This company is reporting a balance of {$610.00} Into my credit report. 

I have never verify that this account is my.
Product: Consumer Loan

Prosper Loans is illegally reporting a past debt that is over 10 years old and I filed bankruptcy on to the credit bureaus. They are changing the dates to make it look like a more current loan so they can keep it negative on my credit. I filed bankruptcy on this debt 10 years ago and even the bankruptcy has been removed from my credit due to reporting time limit of ten years. I contacted prosper and they refuse to fix it and said to contact credit bureaus but they do n't do anything as. Prosper continues to report the debt and did so XX/XX/2016 as seen on the attached screenshot. I just wonder how many other people they have illegally done this too.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is 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 items 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 XXXXXX/XX/XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX, XXXX : XXXX, has violated my rights. 

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

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

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

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

This collection agency has not legal verified the debt and sent me conflicting information regarding the debt
Product: Credit reporting or other personal consumer reports

Experian needs to reinvestigate The following inaccurate information once again. 

I am XXXX  protected consumer. They are in violation of the FCRA 15 United States Code 1681b- Permissible Purpose : 15 U.S. Code 1681c - 15 USC 1681e- Compliance Procedures- Accuracy 15 U.S. Code 1681s2 - Family Educational Rights and Privacy Act ( FERPA ) - FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). Experian is reporting Student loans accounts multiple times which are a violation as well.
Product: Checking or savings account

I opened a personal checking account with Fifth Third Bank XX/XX/2019. At the time of opening a {$250.00} promotional code was attached to my account. The terms were to deposit {$500.00} in the account within 45 days and maintain a {$500.00} balance for 60 days. I deposited {$500.00} on XX/XX/2019 so XX/XX/XXXX would be day 60. XX/XX/XXXX just 2 days from qualifying for the {$250.00} bonus, I discovered {$130.00} pending charges on my account from XXXX and XXXX XXXX which are fraudulent ( I don't purchase adult beverages ) and caused my balance to go below {$500.00}. What's strange about this is I've never swiped the card at any payment terminal or made any purchases with the card online. In fact, the debit card never left my home. I've since contacted customer service, and they are working on the case # XXXX. I am now having mixed feelings about banking with Fifth Third Bank as I've heard the exact same thing happened to other customers. I do not see how Fifth Third Bank can offer an Identify Theft Protection product when it can not protect customers debit accounts especially when the debit card never been used or left the customer 's possession.

I've been told by many others the exact situation where a debit card has been charged without ever being used occurs often at Fifth Third Bank. This seems to be a pattern and Fifth Third business practices should be thoroughly investigated.
Product: Debt collection

This complaint concerns both harassment and misrepresentation. The Midland Credit Management collection agency has called me repeatedly about a debt that is not mine, although they did not identify themselves as a debt agency. Each time they called, they said that they wanted to speak with the person who the debt belongs to about a 'private business matter. ' The individual in question is an independent contractor, so it is possible that a XXXX party would try to reach her about a legitimate business matter. 

However, after the first time they said that, I suspected that it was not, in fact, a business matter. It sounded too scripted. Further, I realized that they had not identified themselves. At that point I suspected that they might be a collections agency. To better understand why I was receiving these calls, I asked the person who had called if they represented a collections agency. Not only did they not identify themselves, but they also lied to me about this and stated that they were not. I refused to give them any information and researched the number they called me on online, which is when my suspicions were confirmed. If I had engaged with them in a conversation believing that they have a business relationship with the debtor, they could have extracted far more information than they are legally allowed to collect. When I called them back and asked to speak to a supervisor, they initially refused to let me. I told them it was a private matter, but still they would n't, so finally I resorted to saying, at this point rather emotionally, that I had concerns about the professionalism of an employee. They then transferred me, but all I got was a voicemail box.
Product: Debt collection

I had XXXX XXXX XXXX in my home heating propane delivery. then they merge with the XXXX company. the sent me a bill for {$110.00} for price protection for next year 's service. I close the account with them I did not take service I have a different company now. I call so money time to XXXX I explain to them. and now they keep adding up {$30.00} each month. now they asking for {$330.00} from collection company A>R>M solutions , inc. I just received the bill. 
XXXX XXXX XXXX
Product: Debt collection

I have not been notified that my hospital bill was sent to collection. I started receiving called from a number leaving me automated messages like " if this is ( my name ) please call back about your collections account ''. They call every day during working hours, no one tells me what debt I owe or who they are, just leaves messages calling and saying I need to call back.
Product: Checking or savings account

On Thursday XX/XX/XXXX, sometime around noon, I noticed a couple texts on my phone from my bank Huntington Bank, that there was attempted use of XXXX on my account, before I was able to respond I received a phone call from Huntington Bank, the man said he was from the fraud Dept and needed to verify it was me on the phone and asked for my username and he said he needed it to verify it was indeed me on the phone, then he said he had to text me a code and I would have to repeat it back, he texted me the code, I repeated it. He put me on hold, for a few minutes and then returned and said he had stopped the fraud, but had to close my account for me to log in for 24 hrs, and when asked if I could use my debit card he said yes, because that is my only way of purchasing anything. I thanked him for his help. I have an Autistic son I care for daily, and I left to go buy him some food and my debit card didn't work, so I called Huntington bank and said, I thought you gave me permission to use my debit card my son needs groceries and the woman said, we did not call you. And then I was informed the only money I have to my name at XXXX years old was taken out of my account by XXXX XXXX transactions {$500.00} plus dollars, including {$170.00} of my XXXX sons money, his account is linked with mine. I am also on XXXX and that is all I have and a debit card. Huntington closed my account, stopped my debit card, and told me I most likely will not see my money returned. I have no gas, no food and can't pick up my prescriptions, I have cried for three days, I am devastated. Huntington bank, within a matter of maybe ten minutes allowed a password change, an internet transferring put my sons money into my account, and XXXX XXXX transactions. I noticed much later that Huntington Bank did email me about password change and that someone asked for a code? I was with my son, not checking emails. They should have stopped this activity, I trusted them to protect me. Is there anything you can do, I also have many bills due, but no money no account no charge cards
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX Dear XXXX : This is a Self-Attestation that I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
This fraudulent account is a personal loan XXXX XXXX XXXX XXXX Account number ( XXXX ) Opened : XXXX. XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX  XXXX XXXX Balance Owed : {$38.00}
Product: Mortgage

This complaint concerns previous complaints number XXXX and XXXX. 

My attorney spoke to Wells Fargo today and they refused to comply with the requests that we have sent them and which are recorded in the previous complaints listed above. 

I have no choice now but to empty my business account which was previously used from automatic withdrawals for the mortgage. This business account contains PPP and SBA disaster loan funds. I have to move them to another account and risk an accusation of comingling because I fear that Wells Fargo will withdraw the entire forbearance amount all at once. My wife will also have to empty her checking account so that Wells Fargo doesn't make that account overdrawn. 

I am submitting this complaint to memorialize what I've done in case the SBA audits my business account. Wells Fargo should NOT be allowed to make up its own rules. The merely service the loan which is owned by XXXX XXXX.
Product: Credit card or prepaid card

I have been a customer with Capital One for over 13 years. Recently I applied for a consolidation loan to get my interest down so I was able to pay off this card IN FULL. I had been in contact with them around the week of XX/XX/2018, letting them know that I would be paying the full amount of {$4500.00} at the beginning of XXXX and if it was possible to waive the {$25.00} late fee. The woman said that " it wasn't an option. '' However she did inform me that after the payment was received they would review the fee again. 
I paid them in full on XX/XX/XXXX. I called and again on XX/XX/XXXX and was told, " there's nothing i can do. '' Not only was I charged a late fee, but the interest was also applied at {$58.00}. 
I called again the same day asking to speak with someone else. The gentleman was nice but he couldn't do anything either, other than file my complaint. 
Now I have received a new statement for XXXX. When I only initially owed {$25.00} ( the late fee I was contesting ) my new statement has me owing a whopping {$61.00}. I was charged {$36.00} for {$25.00}?!?!?!?!?! 
I plan on calling and complaining again today. However, I doubt I'll see any action, since I never even received a confirmation email from Capital One from my previous complaint.