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

I received a copy of my credit report with the intention of trying to improve my credit and take care of responsibilities and I noticed a few accounts that I wanted a little more explanation on. Im not saying that they are reporting right or wrong Im saying that I am not 100 % sure if they are. I also read something called a Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C Sec. 1681i ( a )? I heard if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 % right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30days to complete this investigation. Please investigate the following accounts and remove them if anything is missing and correct them, -XXXX XXXXXXXX account # XXXX Cancel Contract. Please provide the original contract or delete -XXXX XXXX XXXXXXXX XXXX account # XXXX Cancel Contract. Please provide the original contract or delete XXXX XXXX account # XXXX Cancel Contract. Please provide the original contract or delete. 

XXXX XXXX XXXX XXXX account # XXXX Cancel Contract. Please provide the original contract or delete. 

XXXX  XXXX account # XXXX Cancel Contract. Please provide the original contract or delete. 

-Date of birth on all three credit bureaus 1989 with no month or date. Please Delete XXXX XXXX XXXX  account # XXXX Cancel Contract. Please provide the original contract or delete. 

XXXX XXXX account # XXXX Cancel Contract. Please provide the original contract or delete. 

-XXXX account # ( no account number available ) Cancel Contract. Please provide the original contract or delete. 

XXXXXXXX XXXX  account # ( no account number available ) Cancel Contract. Please provide the original contract or delete. 

-XXXX XXXX account # XXXX ( Has NO LATE PAYMENTS ) Please Correct I demand the following accounts be verified or removed immediately. I also read where I can get the updated report after you investigate this form, the free Lawyer guy said. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have never heard of said company, they lied about date of debt. Said the date of the debt is from XXXX of XXXX when in fact it would have been from XXXX if not later. Amount is incorrect, believe they have added collection fees on to this amount. Have never been notified by this company that I owe a debt let alone one that is nearly XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my consumer reports, I noticed that their were a few errors and then after investigating I have realized that somehow I became a victim of identity theft. I am highly disappointed that the XXXX XXXX and LVN funding llc has knowing participating in reporting these accounts without verifying with me. over 40 days has past since I submitted my written request to have my consumer reports corrected and no one has contacted nor fixed it yet!
Product: Debt collection

Your choices to categorize complaints is too narrow. 

Anyways, I am to receive a settlement payment from the XXXX XXXX XXXX, thru a State Settlement. I live in Texas and I would like to sue the company for monies not received but I need the right address.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN XXXX XXXX anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletions listed IMMEDIATELY!
Product: Debt collection

I have continued to receive regular phone calls from Aargon Agency regarding a medical debt that has been paid. When I ask for specific details about the debt, they are unable to provide additional information and instead tell me to contact the hospital. They have also submitted negative information to credit reporting agencies about this debt, even though I have disputed the accuracy of their claim.
Product: Credit card or prepaid card

On XXXX  I closed a secure credit card account with CITI Credit Card. On XX/XX/2019 a balance of XXXX was debited from my bank account, showing a XXXX balance on the CITI Card account. They said that the card account would be completely closed 21 days after the initial closing date ( XX/XX/2019 ) to cover any usage and/or balance on the account. Which makes no sense. Their records as well as mine show no balance and the account is closed. The card is not usable, therefore there ca be no purchases.They also told me that it would be 100 days before my secured card deposit is returned in the form of a check. This is disturbing and makes no credible sense. I asked why are they holding my deposit. Their answer was unsatisfactory. All help is this matter is greatly appreciated. Thank you for attention to this instant matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit. while logging into my account i discovered 3 accounts that i did not open XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX  opened XX/XX/XXXX XXXX. XXXX XXXX  opened on XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I STARTED A NEW JOB ON XX/XX/XXXX. IMMEDIATELY I WAS INUNDATED WITH EMAILS TO SIGN UP FOR PAYCHECK ADVANCES FROM DAILYPAY ( COMPANY NAME ). I DID NOT SIGN UP. ON XX/XX/XXXX I RECEIVED AN EMAIL THAT I HAD ADDED INFORMATION TO THE ACCOUNT. I CALLED DAILYPAY XX/XX/XXXX AND THE REP STATED SHE WAS OPENING A FRAUD TICKET. ON THURSDAY XX/XX/XXXX THAT I HAD ADDED A BANK & DEBIT CARD. I CALLED DAILYPAY XX/XX/XXXX AND THE REP ( MALE ) THAT ASSISTED STATED THAT THE PREVIOUS REP ON XX/XX/XXXX " MESSED UP '' AND DIDN'T " FREEZE '' MY ACCOUNT & THAT FUNDS HAD BEEN TRANSFERRED. SAID I'D SPEAK W/ THE FRAUD SPECIALIST XXXX XXXX SHE PROMISED THAT THE FRAUD CASE WAS OPEN & NO WITHDRAWLS/PAYMENTS WOULD PROCESS. ON XXXX MY PAYCHECK WAS ERRONEOUSLY DEPOSITED INTO THIS DAILYPAY ACCOUNT. NOW THEY HAVE MY ENTIRE PAYCHECK & ARE REFUSING TO RETURN IT.
Product: Bank account or service

My complaint is with Capital One 360 ; they do NOT allow an individual account depositor to add a " Payment on Death '' or Beneficiary to an account. Capital One 360 is an online banking subsidiary of the Capital One Financial Corporation, a financial holding company publicly traded on the XXXX ( XXXX : XXXX ). The web-only bank officially took over ING Direct in 2012 and offers an array of depository banking and lending products, in addition to its brokerage platform. The Capital One 360 branding was first introduced at the XXXX of 2012. I completed the online application form with Capital One 360 and officially opened an account a month ago. I called to add a POD to my account and spoke to XXXX ( XXXX ) ; he told me Capital One 360 does not allow this option but I could change my CD to add a co-owner. Not satisfied with this explanation, I called Capital One 360 two more times and was told the same thing. I was highly upset! I 've never dealt with any bank that did n't allow a POD to be added on my account. One of the customer reps that I spoke with offered an interesting tidbit of information stating when Capital One 360 bought " ING '' online bank in 2012 - it 's been very difficult to integrate the two systems. Really!! Their IT Dept has n't been able to figure out how to add the option for their customers to place a POD or beneficiary on an account! This is outrageous! I 've checked with other online banks ( XXXX, XXXX, XXXX, XXXX ) and they all accept a POD or beneficiary to be added to your account. Had I known this option was n't available with Capital One 360, I would NOT have opened an account with this online bank. They have breached my trust! I 'm asking for your assistance to research this information and to make everyone aware that Capital One 360 online bank does not allow the option to add a POD or beneficiary to an individually owned account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX/XX/XX/XXXXIve disputed many times in all agencies the 120+ days past due
Product: Debt collection

I've signed up for XXXX XXXX and get alerts when my credit report changes. I received an alert on XX/XX/XXXX that a new debt had been added to my report from XXXX XXXX XXXX. Today is Friday, XX/XX/XXXX and I have yet to receive any notices from them including what the debt is in reference to, an account number, balance owed, payment instructions or even how to dispute it.
Product: Checking or savings account

Citibank has been charging me {$30.00} a month service fee since XX/XX/2020. In XX/XX/2020, I called them and pointed this out, and they agreed to refund the fee that had been charged till then. They told me this fee was because I had a 'premium ' account, even though I had never requested this, and had not used any of the 'premium ' features. Till date, I do not know what these premium features are. 

However, a few days ago, I noticed that I was still getting charged this fee. Since XX/XX/2020, I have been charged a total of {$300.00}, even though I was under the impression that I was not going to get charged this fee again. When I called Citibank, they said that they can not do anything this time. They refused to issue a refund, and asked me to call back again to downgrade access ( since they could not do it on the same call ).
Product: Student loan

Hello, I am a Veteran and didn't know about certain services being offered for active military personal when I served. I requested that my military benefits be retroactively reapplied if possible. To which they agreed on XXXX XX/XX/2020. Subsequently, on the date of approval FedLoan servicing increased my principal balances on three of my student loans of the five. This includes bringing a previously paid off loan back to life. While FedLoan servicing states that it wasn't an error when apply benefits and that the benefits haven't been applied. I have documents proving the balances of all my accounts on XXXX XX/XX/2020 ( minus all payments made in XX/XX/XXXX  ) and XX/XX/2020 ( minus one pending payment made in XX/XX/2020 ). However, FedLoan Servicing has erroneously stated that the increase was from capitalized interest retroactively. If that was the case, why wasn't it documented on the account so that the employees I have spoke to would have known? The answer is, it didn't happen and that they don't know what happened and are trying to justify it. If you use the excuse provided by FedLoan, the math doesn't add up. FedLoan has already capitalized interest on loans when necessary through out the years and sent out account letters and statements when doing so. Someone has made a mistake or maliciously edited account information when I requested military benefits to be applied. It isn't some wild coincidence that I requested military benefits be applied and the same day they were approved ( I have the letter and original account balances ) my balances increased. It's either an error was made that day XXXX XX/XX/2020 or FedLoan maliciously edited my account balances and payment history in order to profit and protect any lose associated with providing military benefits. 

At this point, I'm simply asking my account be returned to it's previous state, which I have documented on XXXX XX/XX/2020 plus all payments made from their forward. Because clearly, FedLoan Servicing doesn't care about Veterans or people and are largely incompetent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting that on XX/XX/2018, XX/XX/2018, & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
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 Account Number : XXXX Account Name : 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: Debt collection

XXXX XXXX XXXX does collection for XXXX medical center along with a second company hired by the hospital at XXXX XXXX out of Texas that refuses to release their true name. Both have incorrect information and have been notified repeatedly. 
In addition they are adding fraudulent charges to incorrect information. Payments are being collected by the hospital, then both XXXX and the XXXX Texas firm are trying to collect on the same items, They have been notified in writing three times with copies enclosed. None of the information is correct and I am concerned the hospital has found a method not to be held accountable or a means to complain against them directly. In addition the XXXX Texas number calls some times 10 times a day or fifty times a week.

When I ask for name they refuse and when I request current statements showing charges I am ignored and it is hurting my ability to run my business. I have XXXX debit. 
Thank you so much for looking into this for me, it is appreciated.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Credit Reports, I discovered some late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. This information must be reported with utmost accuracy. I have never missed a payment on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX report, XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ don't have account info ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account Legally paid in Full for less than the full balance, I don't have the account number but I do have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I woke up today to find inaccurate accounts suddenly appearing on my credit report, and I am completely at a loss as to why this is happening. I check my credit report often, and it has always been fineuntil now. Thinking it might be a simple error, I refreshed my browser repeatedly, but the inaccuracies didnt go away. Please, Im pleading for the documents I provided to be thoroughly reviewed so that I can finally move on without this constant fear hanging over me.
Product: Debt collection

I have been trying to resolve this get issue with XXXX XXXX on behalf of XXXX and Midland Credit Management on behalf of XXXX XXXX XXXX ; I have disputed these accounts as not mine because they are not these accounts were opened in XXXX 2 years ago I under the age of XXXX meaning " LEGALLY UNABLE TO OBTAIN CREDIT '' these are not my accounts and would like them removed from my all of my credit files immediately. Please be advised this is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX of XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from Midland Credit Management, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX # : XXXX. Will submit ID documents my current state issued ID, birth certificate, high school and college transcripts to support age claim. I do not know who opened these accounts but they are not mine and I would like them deleted.
Product: Mortgage

My mortgage loan servicing apperantly was transfered to a new servicing company - my automatic payment was deducted from my checking account by a company I have never heard about before. 

Both transferor servicer and transferee servicer failed to comply with the requirements of the paragraph 1024.33 of Regulation X - I have never received a notice of transfer. 

I would like CFPB to pay attention at these two servicers and audit their compliance with the regulations : XXXX XXXX XXXX XXXX XXXX Thank you!
Product: Credit reporting or other personal consumer reports

I had a XXXX  XXXX XXXX credit card since XX/XX/XXXX with a credit limit of {$20000.00}. I have never had a late payment. I had stopped using this card several years before XXXX. So, I did not expect any charges or statements. 

Somehow XXXX XXXX was able to charge my card without the correct expiration date or security code. XXXX XXXX XXXX sent the statement to my old work address, and it was not forwarded to my new work address. So I never was aware of the charge. All of my accounts, savings and checking, were with XXXX  XXXX XXXX. They were well aware of my home address and email address and could have tried to reach me before trashing my credit score. 

I was unaware of the charge until this spring. I was trying to get insurance for my new home and was denied because of my credit score went from the XXXX 's to XXXX 's. In addition, my insurance increased by {$3000.00} annually because of this. As soon as I discovered the charge, I paid it. I asked for proof to be sent to my home address which I never received. Ironically, the XXXX employee who took the payment stated that they had my home address on file. 

Attached is a copy of my credit report before the charge-off was paid. The only other derogatory item is a student loan that I co-signed for my niece. She had a few late payments. That loan is now paid off also.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN MY THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED FEDERAL AGENCIES AND MADE A CRIMINAL COMPLAINR I am writing to request and initiate a formal complaint against XXXXXXXX TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
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 XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX XXXX Owed : {$54.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$840.00} XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX ) XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2600.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$520.00} XXXX XXXXXXXX Balance Owed : {$890.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

The balance of {$2500.00} was written off as I was In repossession status. I paid this amount in full and the company sent my the vehicle title. They have not reported on my credit report that this was paid and I have disputed this twice through XXXX however there is no change to my credit report. I am asking that my credit file be updated to reflect that this amount was paid in full by myself, or have it removed as it is inaccurate information that is being reported.
Product: Debt collection

The collection on my report I have no Knowledge of this company I had no verbal communication and never sign anything any agreement with this company