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

I recently had a medical collection put on my report that i never even received a bill for. I was never contacted by the hospital that anything was due or the collection company or i would've paid it. I only noticed it when i went into get a home loan and saw the collection on my credit report.I immediately paid in and explained to the company that this was a mistake and needed to be removed since i never received a bill for it. It is costing me huge emotional and financial distress over not getting approved for a home at the best interest rates. They agreed on the phone that they would remove it but 60 days later i have disputed it with the company as well as the 3 credit bureaus and it has not been removed. Please help me to fix this issue as this was even put on my report thru mistakes made by others who had my wrong address or phone number written down and never received a bill so i shouldn't be the one that has to suffer especially since i paid it immediately after finding out.
Product: Checking or savings account

I had a direct deposit on XX/XX/2023, from my employer, chase bank is withholding my money and will not let me retrieve my funds to pay my bills and left me in a financial bind especially around the holidays. Chase bank will not let me get my check out of the bank and is giving me the run around. please try and help me to resolve this issue with chase bank.
Product: Debt collection

I sent 2 separate letters on XX/XX/2021 and XX/XX/2021 to MRS BPO LLC to validate an account that they alleged that I owe. There was no response. As a consumer I have the right to request verification/validation of account and this company is violating my rights This company is reporting a XXXX XXXX account that is not valid. Theres a lot of information that is reporting inaccurately on all 3 credit bureaus. This is a violation under the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Date : XXXX I recently pulled my free credit report at my XXXX and notice some of the following addresses and names are incorrect you are not mine i already contacted the XXXX credit bureaus mentioned in this complete here today it made attempts to fix this issue I am asking for the CFPB to help me in this matter. So that my my information is not compromised again and used on the black web. I have since found a FTC complaint and I have attached it to this document here today alone with my birth certificate iD and social security please fix the problem and send me my new credit report with the correct information this time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear CFPB, I have had this HELOC 30 year fixed loan since 2005. My agreed rate was 6.5 % for the term. Bank of America has been charging me 7.05 %. They are acting in bad faith as they refuse to rectify this issue. My outstanding loan amount is {$38000.00} or thereabouts and should be vacated and penalties assessed @ 10x the loan amount, $ XXXXPease assist me in addressing this matter. 
All the best, XXXX XXXX XXXX
Product: Credit reporting 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. 

Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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: Payday loan

XX/XX/2017 XXXX : I received a call from XXXX at Southern Finance at XXXX SC XXXX. XXXX told me that a check had been cashed in my name, and that repayment was expected. 

Suspecting a scam or con-job, I asked for additional information. XXXX told me that they had mailed a check to me and that it had been cashed. I told him I did not know anything about this. XXXX provided a SSN and DOB that match mine. 

When I asked him, XXXX told me that checks had been mailed as a promotion to many people, and that cashing these checks was acceptance of a loan with interest in the 40 % area. XXXX told me that they had obtained by address, SSN, DOB, and credit score from XXXX. 

I told XXXX that I had not received any such check, nor had I cashed any checks in that amount. XXXX tried to tell me that a relative or roommate must have cashed it, and that I was responsible. I have no relatives in the area, and live alone. XXXX told me that someone must have taken the check from my mailbox, and said that he needed me to present myself to him in person to " get to the bottom of it. '' I declined to do so, because I believe he would try to trick me into giving him information to add to his file and make it appear legitimate. Specifically, I think he would have tried to trick me into letting him copy my ID to add to the file and make it appear that I had applied for the loan in person. I think that security camera footage showing me in his office would be added to the file to make it appear as though I applied for the loan in person. 

I believe that the practice of sending out checks for loans that were never applied for is deceptive and predatory, because many people receive many checks from many sources, and would believe such a check to be a payment from a client or a settlement, and deposit it without realizing they were obtaining a high-interest loan. 

I believe that this contact from Southern Finance was an attempt to commit fraud and collect on a loan that does not exist.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I wired {$230000.00} USD to XXXX XXXX XXXX XXXX in XXXX. My business banking relationship is with Suntrust Bank which is now Truist. The recipient bank is XXXX in XXXX XXXX but the send thru bank is XXXX XXXXXXXX XXXX. On XX/XX/XXXX I was informed that the transfer was not completed and that the funds were returned. I have been visiting my banking institution every single day since that date because the funds have yet to be credited back into my account. I have spoken to the manager and several other bank associates to no avail. It is now XX/XX/XXXX and the funds are still missing. I feel Truist is not treating this with the utmost urgency and give me the run around each time. I need your assistance in recuperating my money because now they say XXXXk XXXX XXXX ( the send thru bank ) is retaining the funds. The question is why? And why is it taking so long to credit the funds back into the originating account?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX to remove the 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 items or information not later than 4 business days. Ive already included these in my previous Complaint & I am including them again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX, XXXX ACCOUNT XXXX XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX XXXX XXXXXXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX ACCOUNT # XXXX, UNKNOWN ACCOUNT # XXXX, XXXX XXXXXXXX XXXX ACCOUNT # XXXX, XXXXXXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX  XXXX ACCOUNT # XXXX, XXXX XXXX XXXX  ACCOUNT # 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
Product: Money transfer, virtual currency, or money service

I am filing a complaint to you about the negligence that I was subjected to by the Bank " Chase '', which caused me XXXX  and XXXX damage to me and my family due to a lack of sense of security for ourselves, especially as we are a XXXX XXXX family of XXXX XXXX and we are not sufficiently aware of our rights in this country, but we are sure of the rule of law and respect for our constitutional rights and we are sure that the law will give us consideration and we demand the bank compensation. 
As I received a phone call with a number XXXX ( XXXX ) XXXX from a lady named XXXX and she stated that she works at Chase Bank and asked me if I had gone to the bank 's located at the following address XXXX XXXX XXXX XXXX and Asked me if I withdrew money from my account by submitting a bank check bearing my name for XXXX dollars and my answer was no, since on the same day I was present at the bank 's pumpkin located in XXXX XXXX with a bank employee named XXXX.To open an account for my wife, so XXXX XXXX told me that someone has the same identification card with my name and with a check in my name and presented it to the bank employee and received an amount of XXXX dollars from my account and she told me to go the next morning at the same branch where the problem occurred and submitted a the police report someone had a fake ID card with my name, and he withdrew a sum of money from my account, and I changed my bank account number after that on the morning of XXXX XXXXXX/XX/XXXX, I made a deposit in My account is in the amount of XXXX dollars and I was surprised on XXXX morning that the amount of XXXX dollars was debited by the bank. 
When I called the bank 's customer service by phone to complain about what happened, the response was that your account would be permanently closed and this amount of XXXX dollars frozen until the matter is investigated, and until today, XX/XX/XXXX, the amount stolen from my account has not been refunded, causing me to delay paying the rent of the house that my family and I live in .I was surprised to find a mail from the bank demanding me to pay XXXX checks, XXXX for XXXX dollars and the other for XXXX dollars, as they are checks that do not have a balance, and the signature of them was not my bank signature so that not my mistake so that I attached with the complaint are copies of the police report and checks, and the matter is now referred to you to help me in the damage that happened to me and my family It is clear that anyone who goes to the bank with a fake identity card and takes money goes in peace and security and the one who is blamed and closes his account is the bank customer.
Product: Debt collection

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ( Original Creditor : MONTHLY PAYMENT ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

i was reviewing my credit report and noticed multiple unauthorized inaccurate inquiries. i have no knowledge of where these inquiries came from and never gave anybody permission to access my credit report. I also understand that these inquiries are in violation of my consumer rights. In accordance to 15 us c 1692b i have the right to privacy and for these items to be furnished on my report requires my express authorization. I am asking that these items are removed from my credit report and stop violating my consumer right to privacy. There is no certifiable evidence that can verify these inquiries so therefor in accordance to 15 us c 1681section 604 of the Fair Credit Reporting Act you must remove these unauthorized inquiries from my credit report lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I attempted to make a purchase of {$2500.00} on XXXX XX/XX/2020 with my credit card. The company declined the charge, twice. I called the company and had to sit on hold for 20 minutes before getting to talk to a lady with an accent so thick she was nearly impossible to understand, forcing my having to ask her to repeat what she'd said over and over. When I asked why they'd declined the charge, she kept repeating that the attempted charge had " triggered their fraud protection program '' and refused to provide any other information. She would not say why the charge was declined nor whether the same thing would happen again another time. She also repeatedly said that the charge was now approved, even after I told her several times that I'd successfully made the purchase with another credit card company 's card, which accepted the charge on the first try, so it didn't matter whether Capital One approved it now. 

The company provides no means to contact them by email. The only options for contact are calling and sitting on hold for an extended period, only to talk to someone incomprehensible who can't understand you, either, or by US Mail.
Product: Checking or savings account

Hi, I deposited a check of amount {$100000.00} to my saving account in a branch office of Chase Bank on XX/XX/2020. Chase Bank held this deposit until XX/XX/2020. I sent a secure message on Chase online bank to inquire about this, the customer service reply me they did not reply my question through the secure message, I must call a phone no. if I want to know the reason. I do not want if this is a special way to treat their customer 's concerns. But I think they hold my deposit without any reason is unacceptable thing for me.
Product: Debt collection

This firm ( The Law Office of Jennifer McCoy ) does not appear to have a license to collect debt in the state of Arkansas in which " Collection agencies must be licensed if : ( 1 ) they are located in Arkansas or ( 2 ) they contact debtors in Arkansas. ''
Product: Debt collection

To whom it may concern : I had a collection placed on my account that dropped my score over 40 points for a debt that I paid over a month ago and the collection agency was well aware. This debt was paid in full and a simple contact with the original creditor would have proved it as such. I paid the past due balance and returned the equipment. The collection account is for the amount billed for the returned equipment that XXXX XXXX XXXX guaranteed would be wiped clean if I returned the equipment which I did on XX/XX/21. I have attached the receipt. I was unable to get a receipt for the rest of the paid amount. 

I really believe this was and intentional and malicious attempt to harm my credit because my contacts with the original creditor for the past couple of weeks I have been told that I have a {$0.00} balance if I returned the equipment. A simple contact between the collection agency and the original creditor would have shown that this bill was paid. If this isn't intentional then it's obviously negligent and this business needs to be reprimanded. I've been working extremely hard to repair my credit now I have to spend time, and money on certified mailings.
Product: Credit reporting or other personal consumer reports

I have unfortunately become a victim of identity theft. In XX/XX/XXXX, I uncovered several accounts opened in my name without my knowledge or consent. Despite my efforts to dispute these fraudulent accounts with the Consumer Agencies, the issue remained unresolved, leading me to file an Identity Theft Police Report in XX/XX/XXXX. Through diligent follow-up, I successfully removed most of the fraudulent accounts. However, Equifax still lists the following accounts on my Consumer Report : XXXX XXXX XXXX XXXX XXXX XXXX I would like to bring to your attention that Equifax is currently in violation of multiple provisions under the Fair Credit Reporting Act, including but not limited to : *Failure to Correct or Delete Inaccurate, Incomplete, or Unverifiable Information ( 15 U.S.C . 1681i ( a ) ( 5 ) ) *Permissible Purpose ( 15 USC 1681b ( 2 ) ) *Block of Information Resulting from Identity Theft ( 15 USC 1681c-2 ) *Civil Liability for Willful Noncompliance ( 15 USC 1681n ) *Failure to Maintain Reasonable Procedures to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) *Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ) *Civil Liability for Negligent Noncompliance ( 15 USC 1681o ) I demand that you immediately initiate an investigation into my dispute and delete this erroneous information within four business days of receiving this notice, as required by the Fair Credit Reporting Act under 15 USC 1681c-2. Your failure to comply with this request will leave me with no alternative but to pursue legal action to protect my credit rating and personal interests. Keep in mind that each violation of the FCRA is subject to damages of up to {$1000.00} should this matter escalate to court. 
This situation has not only caused me immense emotional distress but has also severely affected my mental well-being. As a result, I am left with no choice but to escalate this issue and insist upon a swift and equitable resolution.
Product: Credit reporting or other personal consumer reports

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX XXXX Please prioritize this matter for prompt action. I have tried to email them, at XXXX XXXX XXXXXXXX, a part of Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX But I am not getting any response or completion of my request. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

There were unknown accounts on my Equifax credit report and I asked Equifax to investigate and remove these accounts. They failed to do so in a timely manner.
Product: Mortgage

Carrington Mortgage assumed my loan from XXXX in XX/XX/XXXX this is the third company this year to have my mortgage. I was in the middle of a modification with XXXX XXXX XXXX when the mortgage was sold to XXXX. Then again began a modification with XXXX and the mortgage was sold to Carrington. I received a request to pay stubs for the previous thirty days from Carrington due by XX/XX/XXXX I had just started a permanent job also sending Carrington the offer letter received from my current employer. I began the job XX/XX/XXXX. I did send my previous pay stubs from a XXXX position which ended XX/XX/XXXX. I have received two checks from my current employer emailed everything to Carrington. I had only received on check by the time frame given and emailed directly. They have now cancelled the request because they did not receive the information when requested! How ridiculous. I was injured at work in XX/XX/XXXX had XXXX XXXX XX/XX/XXXX and was unable to work for several months and had not received work comp benefits for several months. There is a letter from my attorney stating this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/23 to update this suspicious information. I think you have not validated this account : XXXX XXXX XXXX  XXXX Balance : {$46000.00} This was already included in my prior COMPLAINT and I'm including it again Investigate and fix the noteworthy account for its misleading status
Product: Credit reporting or other personal consumer reports

I am filing a complaint against APPLE CARD/GS BANK USA regarding their failure to address inaccuracies on my credit report. On XX/XX/XXXX, I submitted a dispute to APPLE CARD/GS BANK USA regarding discrepancies in the reporting of my account. In response, I received documentation showing transaction and payment history, but the issue regarding the accuracy and completeness of the account was not resolved. 

Subsequently, I disputed this account once again with APPLE CARD/GS BANK USA on XX/XX/XXXX, and XX/XX/XXXX. However, I did not receive any response to these subsequent disputes. The account in question is reporting incomplete and inaccurate information, particularly concerning the payment history. While the account was opened on XX/XX/XXXX, the payment history on XXXX only reflects payments from XX/XX/XXXX through XX/XX/XXXX. In contrast, XXXX reports payments from XX/XX/XXXX through XX/XX/XXXX. This discrepancy raises concerns about the accuracy and completeness of the account 's reporting. 

As per the Fair Credit Reporting Act ( FCRA ), furnishers like APPLE CARD/GS BANK USA are obligated to promptly investigate consumer disputes and provide a response within 30 days. However, APPLE CARD/GS BANK USA has failed to fulfill this obligation by not addressing the inaccuracies and discrepancies in the reporting of my account within the stipulated timeframe.

I am including copies of my dispute letters sent to APPLE CARD/GS BANK USA to demonstrate the efforts I have made to resolve the errors on my credit report. I am also including a copy of their response dated XX/XX/XXXX. Additionally, I am including a copy of how this account appears on my credit report to demonstrate the errors. Despite my attempts to engage with them, APPLE CARD/GS BANK USA has not provided any response or taken appropriate action.
Product: Debt collection

The collection agency named, " RECEIVABLES PERFORMANCE MANAGEMENT , LLC '' filed a negative credit report marks on all 3 credit bureaus without properly validating the debt from the consumer. The collection agency did not provide a formal written report to present that the debt is valid prior to reporting to all credit bureaus and did not do their diligence that the debt is no longer owed given that we have the receipts of payment from the original creditor ( XXXX  ). The collection agency continued to call and harass despite being told that a request to validate the debt is important and that a substantial proof is needed to show in good faith the debt is owed.