23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I ordered a teeth alignment service from XXXX XXXX XXXX, but before my treatment was finalized, the company went bankrupt, and I never received the product. Despite this, their financing company, XXXX XXXX, has continued to bill me. 

I have reached out multiple timesboth through messages and phone callsproviding clear documentation from XXXX XXXX XXXX confirming that I did not receive the service. However, XXXX XXXX has ignored my dispute and proceeded to file my account with Tek Collect. 

I have since submitted a dispute with Tek Collect, including the same documentation from XXXX XXXX XXXX, but they have also failed to acknowledge my claim. 

I refuse to pay for a service I never received, and I expect this matter to be resolved appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car loan after speaking with a salesperson who said they would guarantee me the rate and the price I was looking for. They also agreed only to pull my credit through their business and nothing else. They ended up pulling my credit 5 times, told me I was approved for a different amount and then never returned my calls or texts. This was XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I went to another car dealership. I asked for the same thing - one credit pull. They did, and I was approved for XXXX XXXX XXXX When I came in person to the lot to find a car, the employee said the person who originally pulled my credit wasnt available so he would have to start the process over. I told him I didnt want my credit pulled again, could he just look at the results from before. He said yes, but still pulled my credit from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX 
I have been building and working on my credit so I can refinance my home in my name. I do not want hard inquiries piling up. I went to get a pre-approval for a credit card and I discovered multiple hard inquiries. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( twice ), XXXX XXXX XXXX XXXX XXXX Delaware XXXX The last two hard inquiries I do not recognize at all.
Product: Money transfer, virtual currency, or money service

I have been trying to link my account in different apps to save money and I cant, my account wont link to any of these entities.
Product: Credit card or prepaid card

Dear Cir/Madam, Capitalone bank restricted my credit card use for fraud. I did nothing more than chaging the billing address. They have restricted my card for over half a year and with multiple phone calls never resolved my issue. They are very incompetent. Please investigate.
Product: Credit card

I received a letter in the mail dated XX/XX/year>, from Capital One asking to mail a copy of my driver 's license to verify the information included on an application. I was unsure if this was scam/junk mail. I subsequently received a letter in the mail from XXXX XXXX XXXX, regarding a data breach that XXXX have involved my personal information. This prompted me to look at my credit reports and sure enough, there was a hard inquiry from Capital One. there was also a phone number that is not mine nor never was associated with me on my report under contacts and inquiry analysis. I reported a fraud alert, froze my XXXX report, and tried to dispute the inquiry online. However, I learned you can not dispute inquiries online, but can do so by mail or telephone. I spoke with XXXX, who informed me that they can not remove the hard inquiry with the fraud alert and that I need to contact the creditor ( Captial One ) to remove the hard inquiry. XXXX informed me that the fraud alert will be passed on to the other 2 bureaus, but the freeze will not. I placed a freeze on the other 2 bureaus. I then spoke with Capital One, the fraudulent application will cancel in 3-5 days and the hard inquiries will take 60 to 90 days to remove from my credit report after the investigation is done by their fraud team. I was then advised to contact the 3 bureaus again and report a victim statement for the fraudulent application. I then spoke to XXXX again and was questioned whether it would benefit me to do that. That question thoroughly confused me. This has never happened to me before ; I'm just trying to take all the right steps that I need to. I was advised to report a victim statement. XXXX then asked if I'd like to remove it from my report, in which I answered yes, of course. I then was told that it can not be removed without an FTC report or police report.
Product: Mortgage

Currently, property in question has XXXX XXXX  and HELOC. Owners divorced ex husband was ordered to pay HELOC, he did not pay. We jointly listed house for sale after foreclosure was filed in XX/XX/2024. My foreclosure attorney, had mediation for foreclosure on XX/XX/2024, which he informed Plaintiff 's attorney house was under contract and closing date was XX/XX/2024. The same day the loan was transferred to a different loan servicer XX/XX/2024. We have been trying to get a payoff number so we close on the home. The new servicer is refusing to give payoff, although everytime I call spoke to XXXX, XXXX, XXXX and many other promise payoff by the end of day on recorded line, it never comes then when I call back they tell me none of those people work there and the phone extensions they gave are incorrect. I believe given the date of transfer on mediation date, they are attempting to steal home equity by not producing the payoff scaring of the buyer and losing the sale so they can take the home in foreclosure. Mortgage companies invloved are XXXX XXXX XXXX XXXX and Select Portfolio Servicing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 I was forced to give up my car to XXXX XXXX XXXX XXXX because they wanted cash despite having acknowledging they had my payment in their hands. They claimed because there was a previous issue with my payment they refused to accept another check, however they had accepted and cashed multiple checks since but because the repo man had been sent despite having my payment in their hands, they refused to cash and demanded cash, which because of the time zone difference was impossible and I was forced to give over my car. Since then, I received a notice they would be putting the car up for auction. On the credit report it states they sold it however, I have never received the paperwork they are required to provide upon sale. I've contacted them multiple times and have been denied access to the person who is apparently responsible for my account. The amount should be adjusted to reflect the sale and the payments I've made. I've had no help with this and my attempt to dispute wasn't handled fairly.
Product: Vehicle loan or lease

Received a letter ( XX/XX/XXXX ) stating my lease was paid off. They were wrong as the applied a payoff from another loan to my loan. I called GM Financial to let them about their mistake and they said they would correct the matter. I have send 2 payments in to keep currant on my contract ( ends in XX/XX/XXXX ). I now found they lost my payments and tell me I owe late charges. I want then just to clear my name and end my lease early. I have done business with GM for over 20 yrs and I wont do business again. I feel like calling the news channels and informing everyone I know.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XX/XX/2024 and I have not yet received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Agency has reported multiple after multiple medical bills on my credit report. Ive contacted them with the information of the state health insurance that i had at the time informed them i also was a total permant service connected vet that i had that insurance as well.at the time. They told me they saw that i had insurance at the time and plenty of time before and after these medicql bills were charged. He refused to settle this matter because he said because the insurance could not be billed as of the current date being 2 years he said that now because the hospitals that billed me did not bill my insurances til it was to late to do so IM responsible for all these debts and this company keeps reporting this to credit beareu and thinks its ok and that i need to make payments in full and then maybe they would be removed i need help with these medical charges that were not my fault that they were billed to late to insurance companies that now IM responsible for these they have not bothered trying to do anything to correct these or even leave a statement of why these are still on my credit after 6 years of this i need help with this completley unreasonable company that refuses to take accountability for the mistakes in billing IM trying to buy a house with a VA home loan benefit and yhis company every chance it gets reports another {$110.00} here {$84.00} there and now i can not even deal with this person as they only want payment and they wont help with anything so after years of insurance covered health care ive had IM still repeadtly disputing these bills and getting no help with this and finding completley uncalled for negative comment on each bill reported
Product: Checking or savings account

I noticed money was out of my account and quickly called my credit union 2-3 months ago. I realized some people took money from my account using XXXX XXXX, requested my debit card limit to be increased and applied for a loan in my name. I didn't get any notification or letter that these changes happened.They gave me steps on how to freeze my credit and stated that they would put in an application to the loan department saying I was a victim of fraud and request that I dont have to pay for the balance. They said I will get a call when the process is completed. Today, I received a letter stating the balance is pass due and that they are taking {$640.00} out of my savings/checking account. I called the loan department using the number the paper. The representative told me that the bank never contacted them, but they see the documents in the system stating I did report fraud. They called the bank and said that the application was denied because I could have gave somebody my information and had them call to set up a loan. I am an emotional wreck. When this first happened I was about to move out my sister house, but I couldnt becuase I didnt have the money for the deposit of the apartment. I just moved in with a roommate two weeks ago, becuase I thought everything was going fine. To hear that my case wasn't even looked for months and then denied after I did a followup is crushing. I need help, they want me to pay {$7000.00}. I dont have that type of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed this account numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

please check the information concerning my Experian fraudulent accounts caused by the XXXX  data breach below in attachments
Product: Checking or savings account

On XX/XX/XXXX I received a notice in my Chase message online account that there was a request to recall a wire transaction which was deposited on XX/XX/XXXX. After reviewing the transaction, I responded denying the recall as this was a valid transaction for a customer purchasing an engine and we had already sent the product. I did not receive a response from Chase. On XX/XX/XXXX I learned my account had been frozen, I called into Chase and they told me it was frozen due to this transaction. I spoke to the Treasury department who said they did get my repsonse and they denied the recall and the case was closed on their end. The freeze is from another department, however this department does not have a contact phone number and they only reach out to you, you can not contact them. I was asked if the transaction was valid, I answered yes and explained what is was for. I was told to bring paperwork into a branch, yet not informed what this paperwork was, they just said anything to show the transaction was valid. At this time, i had already been in contact with the customer whos bank had placed the recall, which was done in error as the product had already been shipped. The customers bank XXXX XXXX XXXX XXXX had withdrawn the recall, although Chase stated they have not received this. Being without any contact information for this department i Had no number to give to XXXX XXXX XXXX XXXX in order for them to contact Chase. To date nobody from chase has contacted me, nor did they prior to this freeze, and they have frozen more much more than just this transaction and have caused major financial harm by denying withdrawals and checks have bounced. How this has happened i am not sure, as they have continued to keep the account frozen ever after XXXX has withdrawn. I am requesting immediate release of this account which has been frozen without cause of due process.
Product: Credit reporting or other personal consumer reports

I had a realtor take a look at my credit to see where I stood in order to buy a home and we realized all the damages that were on my credit report according to the 15 U.S.C 1681 law there should not be any damages on my report, it is a defamation to my character. I disputed these accounts before and was sent results stating the accounts were verified, which is false. I then sent a letter asking their method of verification in order to see who dropped the ball in these errors reporting on my credit report. These false, fraudulent and highly inaccurate accounts need to be removed from my credit report 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 XXXXXX/XX/XXXX I HAVE ALSO ATTACHED THE LAST DISPUTE LETTER THAT WAS SENT TO TRANSUNION REFERENCING THESE FRAUDULENT ACCOUNTS.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received the Equifax alert on the attempt to apply for a loan in XXXX XXXX using my data. It was a fraud because I didnt apply for any loans in XXXX XXXX and I didnt give anyone a permission to use my data. 
All my credit records are frozen. I contacted the XXXX XXXX, my insurance company, and Equifax in order to get the assistance with invistigation and removing inquiry from my credit history. XXXX XXXX Fraud department found the denied application to get a loan using my data. Unfortunately, all aboved mentioned institutions cant properly assist me and remove this inquiry from my credit history. This situation can negatively affect my credit score. Please, investigate this situation and help me remove this situation from my credit history.
Product: Mortgage

We purchased a investment property and right after closing Well Fargo Mortgage bought our loan. The original terms were PITI. Soon after closing Well Fargo informed us that they would only escrow the property taxes on the property and not the insurance in the payment. I call the customer service number and they refused to honor the original loan terms the way they purchased the loan. Therefore we are forced to pay yearly insurance invoice ourselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal request to delete the inquiries listed below from my credit report. To my knowledge, I have not signed any documents authorizing the companies listed to view my credit history. With that bein said, the inquiries are violating the Fair Credit Reporting Act. Section 1681b ( c ) : Transaction not initiated by consumer and need to be removed 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XX/XX/XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Equifax, I am writing to dispute the following information that appears on my Equifax consumer report : Dispute 1 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Auto Loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

Dispute 2 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
Dispute 3 Account Number : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

INQUIRIES : Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I have attached a copy of my report with the accounts in question circled. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are 10 inquires on my XXXX that doesn't belong due yo identity theft There are 26 inquires On my Transunion that does not belong due to identity theft And 23 inquires on my XXXX that does not belong due to identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$8800.00} XXXX XXXX XXXX : {$19000.00}
Product: Debt collection

Third party debt collector has violated the fair debt collections practices act and is not the holder in due course and unable to verify the alleged debt under penalty of perjury.
Product: Credit reporting, credit repair services, or other personal consumer reports

i would like for them to stop billing me XXXX for experience please to my XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit report to frind XXXX unauthorized inquries that I did not make nor authorize.
Product: Debt collection

I make bankruptcy i call the bank they say i dont have record the i dont owing anyone money
Product: Mortgage

I currently have a home mortgage and a HELOC with TD Bank. I have been trying to refinance my mortgage since XX/XX/2021 ( 8 months ago ). I received approval from XXXX, my new mortgage lender, over 6 months ago. Since then, they've been trying to pay off the loan and subordinate the HELOC so that I can get a better rate. TD Bank has been completely unresponsive, taking weeks to months to reply to their requests, and by the time they do, my documents expire and I need to resubmit them, at which time the process starts all over again. This has happened multiple times now. 

I finally got fed up and called TD Bank on XX/XX/XXXX. I spoke to a supervisor named XXXX XXXX who told me that there was nothing he could do, since the subordination department " doesn't have phones '' and that there's nobody that he could call to figure out why this is taking so long. After a long back-and-forth about how waiting this long and being forced to submit documents multiple times is unacceptable, he promised to call me back in 48 hours with a solution. He never called me back. My refi team at XXXX is telling me that TD Bank always takes longer than every other bank to let go of mortgages, but they have never had a problem like this. 

Currently, I am still waiting because my team at XXXX is telling me that TD Bank is now demanding additional documents and refusing to move forward. It has now been 8 months since I've started the refi process, and 5 months after all was approved from XXXX 's side.
Product: Credit reporting or other personal consumer reports

Notice this Collection account on my Transunion Credit report not belonging to me on XX/XX/year>. I contacted the company and told them that this account is fraud and never open this account. The account is XXXX XXXX, this account was open on XXXX account number XXXX in the amount of {$3500.00}.
Product: Credit reporting or other personal consumer reports

The credit reporting bureau 's are telling me that my social security number is incorrect. They don't have anything for me. But I know I have bad credit. I know I have student loans. I know I have things on there so my credit should be active