23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was a customer with First Horizon Bank. I had XXXX funds in the amount of {$15000.00} that were deposited into my account XX/XX/XXXX, my account was placed on hold, {$15000.00} of those funds were then withdrawn internally the same day. I was asked to provide tax returns to show my business was mine and I did that. Was told there was no exact time frame on when I would here anything or the hold would be lifted from my account. After hearing nothing for a month, I called the bank only to find out that the remaining {$800.00} of the funds had been transferred from my account as well. I was told that all funds had been returned to the XXXX on XXXXOn XX/XX/XXXX, I received communication from XXXX because I had been working with them to have my funds re-issued to a new account. The agent stated that they had never received the funds and to request a letter from the bank stating that the funds were sent back. Called the bank the same day and they were very rude and then told me that my money had been transferred to their corporate security and never sent back to the XXXX and I would have to wait until the branch manager returns from vacation to get an update, mind you anytime I would call or go up there she was never there.
Product: Vehicle loan or lease

I have called numerous times to try to lower my monthly payments and also even trying to get a deferment for that month that I had a late payment of {$540.00}. I talked to the CFO asking about getting the late payment removed due to it already being past two years and also due to trying to get my family a home. She sounded confident that if I filled out the forms to get the late payment investigated into that I would be okay. I tried to send a goodwill letter after the payment had already been made two years ago but the letter was sent back to me. The only thing that they could tell me was that I was denied without even thoroughly explaining why except they had to report the findings but even trying to explain that the payment had already been paid and in hopes of a good will letter nothing could be done. In addition to asking for lower payments that I can barely afford.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act # numbers XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent you this complaint to let you know that I was a victim of identity theft. I did some research on how to get rid of the bogus stuff in my report and discovered that I needed to make a report with the Federal Trade Commission by going to https : //www.ftc.gov. Credit reporting agencies are required to erase or block any things reported on an identity theft report under FCRA section 605b. Please refer to the ATTACHED materials to help stop false information from being put to my report. 
XXXX XXXX ; 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 XXXX XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; MXXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXXXXXX Balance : {$640.00} ; XXXX XXXX XXXX Balance : {$20.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

Capio partners LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX continues to put a bill from XXXX XXXX XXXX on my credit report after the credit bureaus remove it from my credit bureau I have contacted XXXX XXXX XXXX they have never billed my insurance company XXXX when I gave them the information I have disputed that information not accurate XXXX never sent a bill its not mine also another collection agent asset care llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX is appearing on my credit report I dont know who that company and they should also be removed from my credit report this is fraud
Product: Vehicle loan or lease

CIG Finance Repossession in XX/XX/XXXX - no disposition of the vehicle has ever been reported ( was it resold, etc ) Account was inactive through XX/XX/XXXX. XX/XX/XXXX company fraudulently added that account was positive in XXXX, that payments made - that is incorrect. They then added additional charges - {$320.00}, as if the account was active and now it reports as if payments had been missed. the DLA ( date of last activity is XX/XX/XXXX ).
Product: Vehicle loan or lease

Hello, I am dissatisfied with XXXX XXXX XXXX XXXX. Last year in 2020, I was affected by the pandemic, I had never had no late payments on my auto loan. In XXXX of 2020, I made a payment before the 30 day mark, XXXX of 2020, I made my other payment. When XXXX comes I log into my portal and see that I owed XXXX car payments I was puzzled. I called into XXXX and spoke with several representatives, and they told me the payment had cleared my bank. I called back again, and XXXX manager I spoke with I gave her the names of the other managers and their departments she said none of them work there. And she said my payment was returned because my bank rejected it. I was trying to work and maintain my credit so that I could get a home for my brother and I, he has been battling a lot of XXXX issues and slowly overcoming them. I take care of him, and their is only XXXX income in my home. The representative was rude and said it was my fault my bank rejected the payment. Eventually after going back and forth with XXXX I called my bank and they said that XXXX tried to take the XXXX payment days after in XXXX on the XXXX, XXXX, and XXXX. I tried to call XXXX because on their website it says they will work with XXXX who have suffered during these difficult economic times we are living in due to the pandemic, XXXX representative just said go borrow the money from a family me member. Long story short I have called, and wrote XXXX to try and get my late payment removed as of a result of a goodwill adjustment and they still refuse, and the sad thing is many people see my car and love it. They inquire about it and Im reluctant to refer them to XXXX even though most of the times I still do. This was the only time that I had ever been 30 days late. It was just crazy because of the things the different reps said, its a pandemic, and the fact that I didnt find out about the payment until XXXX so they gave me a derogatory remark for XXXX and not XXXX and still refuse to remove my alleged late payment.
Product: Credit card or prepaid card

I made a purchase with XXXXXXXX on XX/XX/2018 using my XXXX credit account issued by TD Bank. I scheduled the delivery of the TV and the delivery company did not show up when on the date it was scheduled, so I had them return the TV to XXXX. So I never received the TV. Order number with XXXX is XXXX. XXXX Tracking number is XXXX. 

XX/XX/18. XXXX XXXX XX/XX/18. Shipping company XXXX did not deliver the tv as promised. 
XX/XX/18. Talked to shipping company and told them to return to XXXX. 
XX/XX/18 XXXX received the TV back at there warehouse. 
XX/XX/18. XXXX finally acknowledges on my account that they received the tv, but never issues a refund to TD Bank. 
XX/XX/18 Talked to XXXX and the hey said they canceled the order so a transaction was canceled so there should be a credit with TD Bank. 
XX/XX/18 TD Bank says they show a transaction and it was not canceled with them. 

Agents Name at XXXX was XXXX XXXX XXXX at XXXX Agents Name at TD Bank was XXXX at XXXX TD Bank also told me I need to continue to make payments until the dispute is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that they dont have any fear in neglecting this kind of complaint. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please comply with the law and DELETE the account right away. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit card

I missed a monthly payment due to Discover Card. I was working through a life changing event, and I missed my payment without realizing. Just before XXXX pm EST on Wednesday, XXXX XXXX, the day before XXXX, my father calls me and, in an extremely concerned tone, tells me that he just received a call from Discover Card because I did not make my payment. He then proceeds to tell me about the total balance on my card, the amount due and what I needed to pay immediately. I asked him how he has this information, and he stated that when he answered their call, they asked him if he was my husband. My concerned father not knowing what the call was about replied yes. At that point the caller divulged all of my financial information to him. I called Discover Card at XXXX pm EST ; I asked to speak to a manager. The manager apologized, but said she doesn't handle that department and transferred me to collections and claims. The call dropped. I called back at XXXX pm EST, went through the process again this time I was successfully transferred, and I spoke to an account representative. She stated they are attempting to collect a debt, and she told me the total due and gave me a new due date of XX/XX/year> ( which makes me wonder why they are calling and making a demand ). I explained to her what had just happened, and she informed me that if someone tells them they are my spouse they are allowed to speak to them. I asked her if she works with Discover Card, or a third party and she assured me Discover Card. I asked what phone numbers are on file because no one from Discover Card attempted to call me. She then proceeds to give me two phone numbers ; the first number belongs to my father, the second to my mother. I asked if she works for Discover why neither of those phone numbers are for me and how did she get my parents ' number when I did not provide them on my account. I then proceeded to my Discover Card online profile and my phone number, address and email address were correct. My parents ' information was not provided. I explained that not only does my father now have the private financial information of his adult daughter, that this has completely ruined the holidays because of how angry he is at me for believing I'm not acting financially responsible. My account has never been delinquent and if it ever had, they never attempted to use my contact information that I provided on my account. She did not seem too concerned until I told her I am filing a complaint and contacting an attorney. She placed me on hold, came back after some time, stated she heard the call and apologized profusely that this happened. She said she will file a complaint within her department. I gave them a week to contact me back and I have not heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Capital One Financial Corporation, they refuse to remove a business account which they closed out due to fraud charges. The information of the account is the following : Capital One business account # XXXX, date open : XX/XX/XXXX, date closed : XX/XX/XXXX, status : paid and closed. I already tried disputing account with them, I attached the letter that was faxed to Capital One Bank on XX/XX/XXXX. Checking my reports Capital One didnt even investigate the account which it is a violation to the California Reporting Act. Also attached a Federal Trade Commission report filed for stolen mail and Im also attaching an unfiled SC-100 against Capital One bank, which in the case they dont remove account I will file. Not removing an account with fraudulent activity is a violation to the California Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am formally contest and seek correction of inaccurate information listed on my credit report. After a careful review, I have identified inconsistencies regarding the reporting of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The mentioned accounts currently display late payment dates and negative status on my credit report, which is erroneous. After contacting the respective creditors, they confirmed that these inaccuracies stemmed from internal errors on their part. Consequently, they have agreed to rectify the situation by removing the negative information associated with these accounts. 

I kindly request that you investigate and update my credit report accordingly. The accurate information for these accounts should reflect a positive status with no late payments. Furthermore, I ask that the corrected details be promptly communicated to all parties that have recently requested my credit report.
Product: Credit card

I have XXXX separate credit cards that were with Chase Bank, both were charged off in XX/XX/XXXX. I received the IRS bill for taxes on the forgiven amount which I paid which shows that it changed the status of my XX/XX/XXXX and XX/XX/XXXX tax returns ... However, Chase is still reporting to the credit bureaus that I owe the debt. I have been in the process of trying to get a home loan for the past 5 months, this issue has held up the home loan for that time, 5 months now. Myself along with my bank and a credit reporting agency they work with ( core logic ) have all been in communication with Chase Bank, but nothing gets resolved, just a run around, ... Again, the issue is that Chase should be required to report the truth, that these XXXX accounts were charged off in XX/XX/XXXX, instead of showing the debt is still owed, our continued efforts, myself, my bank, and credit agency have not produced any results from Chase, ... Therefor I am submitting my complaint.
Product: Debt collection

I have received numerous calls from the company calling my employer and impersonating a lawyer and threatening to sue me
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Urgent Dispute of Erroneous Account under FCRA Section 611 15 USC 1681 Dear Sir/Madam, I am writing to dispute an erroneous account that has been on my credit report since XXXX, stemming from a time when my personal information was stolen during the pandemic. Despite multiple attempts to rectify this issue, I have received no assistance or resolution from your company. 

This inaccurate account has caused repeated credit denials, significant financial hardship, and even contributed to personal and family distress, including a divorce from my wife of 6 years and other challenges with my child. 

Under FCRA Section 611 15 USC 1681, I have the right to accurate credit information and to dispute any inaccuracies. I urgently request a thorough investigation into this matter and the immediate removal of this account XXXX XXXX Reported : XXXX XXXX XXXX XXXX XXXX  from my credit report. 

Please act promptly to address this situation and provide me with updates on the progress of my dispute. I expect a resolution within the timeframe mandated by law the stress level and distress I have acquired over the last year is taking a toll on me. 

Your immediate attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  AND XXXX  HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE INACCURATE/NOT MINE FRAUD. 

XXXX XXXX XXXX-NOT MINE, XXXX XXXX XXXX-NOT MINE, XXXX XXXX XXXX-NOT MINE, XXXX XXXX-NOT MINE, XXXX XXXX  XXXX XXXX XXXX-NOT MINE, XXXX XXXX XXXX-NOT MINE, ADDRESSES : XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX-NOT MINE, XXXX  XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX  XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, ACCOUNTS : XXXX XXXX XXXX XXXX-XXXX-NOT MINE, XXXX XXXX XXXX -NOT MINE, XXXX  XXXX  XXXX   XXXX -NOT MINE, XXXX  XXXX  XXXX XXXX  XXXX-XXXX-NOT MINE, XXXX XXXX  XXXX-XXXX-NOT MINE, XXXX XXXX   XXXX-XXXX-NOT MINE, XXXX XXXX XXXX-XXXX-NOT MINE, XXXX XXXX/XXXX XXXX-XXXX-NOT MINE, XXXX/XXXX-XXXX-NOT MINE, XXXX XXXX-XXXX-NOT MINE, XXXX XXXX-XXXX-NOT MINE, XXXX/XXXX   XXXX-XXXX-NOT MINE,
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a continuing investigation regarding my XXXX XXXX account, over which I have complained about previously. It continues to be reported inaccurately, although I have provided Experian documentation that includes the most recent statement and a recent letter from the furnisher confirming that there is no balance owed ( there is currently a credit balance owed back to me ). Separately, the furnisher represented to me that XXXX addressed the dispute request from [ me ] and from a consumer reporting agency on [ my ] behalf on XX/XX/XXXX. At that time, [ XXXX ] investigated [ my ] dispute and mailed [ me ] the enclosed letter dated XX/XX/XXXX and provided a response to the consumer reporting agency. '' As I understand the furnisher 's policies, they normally update reporting once each month. A review of my credit report history with Experian confirms this representation and I have since been patiently waiting for it to update. The reporting history indicates that this updating has taken place on or about the last day or first day of every month since I opened the account. Notwithstanding the aforementioned, my Experian report has remained without update since XX/XX/2023 ( see attached entries ). This is not only despite that both XXXX and XXXX have been updated, but that the absence of an update for XXXX is inconsistent with the furnisher 's explained policy as verified by the history of reporting on the account. Today is XX/XX/2023, and the account is not reported for XX/XX/2023. The inaccurate reporting is negatively impacting my credit scoring and I am unable to move forward with my mortgage application until it updates. I simply do not understand why this is happening.
Product: Debt collection

For years, I have been paying child support on a biweekly basis. NEVER late since it is deducted from my paycheck every 2 weeks. Why is it being reported as being late. I have tried 4 time to report this to EXPERIAN at no avail. Why do they hold consumers down? My scores on the other bureaus are over XXXX. My guess, they work along Mortgage banks to keep scores down, so lenders can increase interest rates on borrowers. XXXX XXXX, will NOT considered the other Credit Bureaus when extending loans. FOLKS, I AM AHEAD OF THE PAYMENTS, CHILD SUPPORT OWNS ME {$520.00} DOLLARS. SEE ATTACHED FILED.
Product: Credit card or prepaid card

I received an unsolicited pre-paid card in the mail with my name on it. The card was from Brinks Money and was issued by Mastercard, but I never signed up for any pre-paid accounts. Apparently its some type of XXXX XXXX, but again, I never signed up for this card. Im the only person involved, and I dont believe Ive lost any money, but it is still concerning that a ghost account was made without my permission from Brinks.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Account - 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 an account without my instructions.