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

To whom it may concern! 

I XXXX XXXX XXXX On XX/XX/2017 paid Honda Financial Services {$5800.00} in full for an ATV loan that I had through them. I received the clear Title in the Mail ( see copy attached ) Along with 2 Overpayment check ( see copy attached ) and they are reporting me as I defaulted on the loan which I was never late on it and the loan was paid in full and they are reporting to XXXX and XXXX negative on my account and I have the evidence that the account was paid with the clear title and overpayment checks for that account I sent XXXX and XXXX and Honda Financial Services a Dispute ( Notice of Validation Letter ) asking them to provide me with certain documentation to prove that I still owe them and XXXX and XXXX and Honda Financial Services failed to present me with said Documentation. XXXX and XXXX aren't doing there Job to investigate my Dispute. 
I have a copy attached of the Notice 's of Validation Letters that were sent out to XXXX and XXXX Honda Financial Services.
Product: Debt collection

The debt is for the alleged " rental '' of a wheelchair for my son. 

My son ( then XXXX years-old ) was visiting my sister in XXXX, CA when he fell and XXXX He was taken to the emergency room where he was treated and discharged with a wheelchair. 

My son was insured and I was contacted by an agency with the wheelchair - XXXX XXXX XXXX. The agency said that they thought the insurance co would cover the cost {$210.00} +or-. 
I also provided my credit card number to pay for it in case it was not covered. 

Months went by and I did not hear from anyone regarding the wheelchair. Nor did I receive a statement or status. 
Now XXXX is trying to make my son, who just made XXXX and is XXXX with a XXXX, pay for some " rental '' of the wheelchair that is now {$670.00}. 

My son was a minor at the time this happened and there is no way they can charge him personally for anything. That is the craziest thing I 've ever heard! He is also XXXX, and on SSI and there is NO way I will let this predatory behavior continue or affect his ability to have a decent financial future. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit inquiries that are on may report have been placed on a police report, but the credit bureaus still fail to remove them from my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Im reopening this complaint for CFPB to please review this issue and assist. This case is in connection with 2 separate transactions on my credit card, this transaction was one transaction when in initial however after the merchant cancelled the transactions I noticed 2 separate transaction from the same merchant one for {$630.00} & another for {$1800.00} however after submitting all the evidence to the credit card company showing them that this merchant literally cancelled my order off of their own will. They still went ahead and reversed the {$1800.00} credit from my account without properly reviewing my documents. THEY KEEP LISTENING TO THE FALSE INFORMATION FROM THE MERCHANT SAYING I REQUESTED TO CANCEL THE ORDER WHEN MY DOCUMENTS CLEARLY SHOWE THE MERCHANT CANCEL MY ORDER. I did not request to cancel it, the email clearly state that the merchant cancelled my order and say I will receive my refund. The merchant provided some documents saying I requested to cancel the order when that is totally false they cancelled the order & I never received any item from them. If the credit card company review the documents that the merchant provided & also the cancellation emails I received from the merchant they can clearly see the order and everything is matching & the cancellation was done directly from the merchant. They never shipped any item to me or I never received any item. I will be attaching all the documents under this complaint also On XX/XX/2024 I tried to make a purchase on a merchant website with my citi Costco credit card, I made the purchase on the website and my card got charged 20 mins later I received an email saying my order could not be processed and it got cancelled, the email says I will receive my ful refund since they cancelled my order, however after waiting several days I never received my refund, so I reached out to my credit card provider Costco Anywhere Visa Card by Citi I requested them to file a dispute to see why I havent received my refund since the company cancelled my order & said my refund was issued. After sever days of the dispute being open Costco Anywhere Visa Card by Citi keep asking me for documents which I promptly keep providing that clearly shows the merchant is the one who canceled my order & never delivered anything to me. Yet Costco Anywhere Visa Card by Citi went ahead and close this dispute based on false documents provided by the merchant, the merchant told Costco Anywhere Visa Card by Citi that Im the one who requested to cancel the order & they dont accept cancellation which is completely false information. This cancellation was done by the merchant which all my evidence provided clearly shows that the merchant canceled my order and should provide me my full refund!
Product: Mortgage

Our Mortgage was sold to Carrington Mortgage Services in XXXX of 2014. They bought it from XXXX XXXX XXXX. We have never missed a payment or been late. We have changed insurance carriers several times and this statement will become clear once I state the problem. In XXXX of 2015 we changed from XXXX XXXX to XXXX for our house insurance. XXXX XXXX sent a check for XXXX back to use. We called Carrington to ask what should be done with the money. They gave me and address in Texas to send the money to. We were instructed to explain where the money was suppose to go. I sent a check and a letter stating to put the money back in escrow. The check was cashed on the XXXX of XXXX. I also made my XXXX payment of XXXX. Now the problem is that they are saying that they never got said check. At XXXX they were saying they could not find the house payment either. Well I sent a copy of bank statement show that the check was cashed. My husband called them starting XXXX XXXX. XXXX XXXX said that he would check into it call him back. Friday the XXXX no call so my husband called back. XXXX stated that the computers were messed up. Well no call Monday so we called back and got someone named XXXX would not disclose her last name. Said she was head Supervisor. Said she would look and call. Still waiting for that call. Now they will not take our calls and have blocked us on the web site. The main issue is the XXXX plus trying to raise our payments by XXXX for more escrow money.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Personal Loans {$4100.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$4100.00} Account Details Account Type Secured loan Responsibility Individual Original Loan Amount {$5400.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$4100.00} Date of Last Payment XXXX XXXX XXXX  Monthly Payment {$0.00} Term XXXX Payment Frequency Monthly ( every month ) Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Remarks Charged off as bad debt. Profit and loss write-off.
Product: Credit reporting or other personal consumer reports

XXXX XXXX # XXXX XX/XX/year>. This cfpb complaint has been filed to request pursuant to Fcra 605B 15usc 1681c-2 that TransUnion LLC Block and delete information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent and inaccurate false information consists of personal credit cards opened at XXXX XXXX and XXXX XXXX  with balance of {$320.00} and {$710.00} that appears related to the aforementioned personal credit cards. These accounts have resulted in several fraudulent chargeoffs and collections appearing on my consumer Fico credit report i don't recognize these fraudulent accounts and chargeoffs as reported. These accounts were not opened by me. I have attached copy of Ftc identity Theft Affidavit plus attorney General complaint plus XXXX  and XXXX complaint.
Product: Credit reporting or other personal consumer reports

I have wrong information on my credit report. I asked for it to be removed but Experian said its correct. I asked for they to explain and show how they validated the debt with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies pulling requires on my credit lower my score
Product: Consumer Loan

XXXX XXXX initiated harassing collection style calls to my wife 's cell phone alleging late payments and threatening harm to our credit and lawsuits if we did not make immediate payment. My wife had purchased a new car and traded in the XX/XX/XXXX for a XX/XX/XXXX. The payoff was evidently XXXX short due to a mistake that the purchasing dealership had made. A XXXX payment had been deposited by XXXX XXXX days earlier. A letter arrived to our house the same day that the harassing calls started. The callers were angry and accusation each time. The terribly rude behavior continued several times per day, even though the paperwork they sent stated that a payment was not due for another XXXX weeks..
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Personal Information for Experian NAME : XXXX XXXX XXXX My name is XXXX XXXX. Please make sure you remove any name in your system which does not match the first and last names listed on this letter. 
CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I XXXX appreciate it if you could take care of any address that XXXX be listed incorrectly in your database. My actual address is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. If you have anything in your system that is different from what I have just mentioned then delete them immediately.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX Account number - XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX {$930.00} XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX - {$1300.00} INQURIES XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 U.S.C 1681 C-2 15 U.S.C 1692g 15 U.S.C 1681IS-2 15 U.S.C 1681i 15 U.S.C 1681b 15 U.S.C 1681i 15 USC 1681b - 15 U.S.C 1681IS-2 15 U.S.C 1692g 15 U.S.C 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e-
Product: Credit reporting or other personal consumer reports

Selling medical information to a 3rd party is a direct HIPPA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

had a car loan with XXXX XXXX XXXX XXXX. THEY JUST REPORTED MY ACCOUNT AS LATE/PAST DUE EVEN THOUGH I PAID OFF THE LOAN EARLY. 
I AM ATTACHING THE PAST THREE PAYMENTS AS WELL AS THE FINAL CHECK THAT WAS SENT TO THEM ON XX/XX/XXXX. THE COPY OF CASHED SHOWS IT WAS CASED ON XX/XX/XXXX ALMOST TWO ( 2 ) WEEKS AFTER IT WAS SENT. IT WAS LOCAL MAIL SO IT WOULD GET THERE IN A DAY OR TWO. 
XXXX had the check sitting on for almost two ( 2 ) weeks, then have the nerve to report me late. 
I kept checking my account to see if it was credited, but it was not. 
I also emailed XXXX that the payment was coming and received a copy of their payoff. ( see attached )
Product: Credit reporting or other personal consumer reports

CREDIT BUREAUS FAILED TO UPDATE INFORMATION ON COLLECTIONS ACCOUNTS THAT SHOWS INCORRECT ON ALL 3 CREDIT BUREAUS, THE FOLLOWING ACCOUNTS HAS BEEN DISPUTED OVER 5 MONTHS AND STILL HAS NOT BEEN UPDATED XXXX, TRANSUNION AND XXXX ARE ILLEGALLY REPORTING INACCURATE AND FALSE INFORMATION.THIS ALLEGED COLLECTIONS ARE REPORTING OPEN WITH A PAST DUE BALANCE. THIS IS A VIOLATION OF REQUISITE OF XXXX XXXX COMPLIANT REPORTING STANDARDS IT'S BEEN MORE THAN 5 MONTHS AND THEY HAVE NOT DONE NOTHING AS FAR AS UPDATING THE STATUS OF THE COLLECTIONS. 

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
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of an account on my credit report that does not belong to me. This account is erroneous and inaccurate. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the information on my credit file is accurate and verifiable. 

The account in question is as follows : Creditor Name : XXXX, XXXX XXXX  XXXX I have reviewed my records and confirmed that I never opened this account, nor did I authorize anyone else to open it on my behalf. I have also filed an identity theft report with the Federal Trade Commission ( FTC ), as this situation appears to be a result of fraudulent activity. Enclosed, you will find a copy of the FTC Identity Theft Report. 
In accordance with 15 U.S.C. 1681c-2 of the FCRA, I am requesting the immediate blocking and removal of this account from my credit report. As per this section, upon receiving proof of identity theft, credit reporting agencies are required to block the reporting of any fraudulent account within four business days.

Please investigate this matter promptly and provide me with written confirmation once the account has been deleted. If you determine that the account can not be deleted, I request a detailed explanation and the documentation used in your verification process, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the FCRA.

I look forward to your prompt resolution of this matter by deleting this account from my credit report. 

Thank you for your attention to this urgent matter.
Product: Mortgage

My home was seriously damaged by remnants of Hurricane Harvey on XX/XX/XXXX.  SunTrust Mortgage will not release the remaining funds to me, even though all repairs have been paid in full. 

My SunTrust Mortgage number is XXXX. The Tracking claim number assigned by SunTrust is XXXX. 

I have had 15 phone calls with the SunTrust claims department in order to secure the release of my funds. The dates and names are available on request. 

SunTrust has been holding my final insurance check of {$5200.00} since XX/XX/XXXX. The final repairs were completed on XX/XX/XXXX and paid in full. 

SunTrust claims that they can not release the funds without an inspection. Although no such inspection was required to have funds released with the first {$18000.00} of repairs, they insist it is a requirement as a government sponsored enterprise. 

I have asked repeatedly to speak to someone who could tell me what government agency, law or regulation imposed the requirement. No one could give me that information, and I was actually told that speaking to someone higher up would not help, I would get the same answer. ( XXXX on XX/XX/XXXX ). 

Nonetheless, I went ahead to follow their procedures. 

I submitted a request for an inspection on XX/XX/XXXX. 

I checked on the status of the inspection on XX/XX/XXXX ( XXXX XXXX ), and again on XX/XX/XXXX (  XXXX ). Both assured me that the inspection would be scheduled within their time frame, 2 days to process, 3 to schedule, 2 days to get results back. 

I checked the website on XX/XX/XXXX since the inspection had not occurred. It said the inspection was cancelled on XX/XX/XXXX. 

I called on XX/XX/XXXX ( XXXX ) and was told that the notes claimed that voice mails had been left with me on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. So, the vendor cancelled the inspection. 

This is simply not true. I had no voice mails, and in fact I was calling in during the same time to see where we were. I believe the vendor missed the timeline and falsified the report. 

XXXX on XX/XX/XXXX referred the mater to Inspection Team Management, and I asked to be called back. I was not. 

I called back on XX/XX/XXXX and spoke with XXXX. He verified that a rush inspection request was requested, and assured me he would follow up with the case the next day. 

I called back on XX/XX/XXXX only to find the inspection was again cancelled on XX/XX/XXXX because an updated inspection report was required. 

I was referred to a Resolution Specialist ( XXXX ) who looked at the file and confirmed that an updated inspection was required. He assured me that he would see to it that the inspection was conducted right away. 

I asked to be called back today, and I was not. Of course, XXXX did tell me that he was off on Friday, and they were closed Monday, but he would call me Tuesday. 

So SunTrust Mortgage will not release the funds owed me, funds they have held since XX/XX/XXXX. My mortgage is due on XX/XX/XXXX. 

I urgently need the insurance funds they are withholding from me.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$430.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$1000.00} XXXX - XXXX - XX/XX/XXXX - {$5900.00} XXXX - XXXX - XX/XX/XXXX - {$310.00} XXXX - XXXX - XX/XX/XXXX - {$310.00} XXXX - XXXX - XX/XX/XXXX - {$1900.00} INQUIRIES : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I spoke with a relative of mine ( I'm domiciled at her address ) and she explained that someone called her looking for me about a warrant. She gave me the phone number ( XXXX ). I called and spoke to an alleged " XXXX XXXX '' who asked me for a case number. I explained none was given. I asked for the name of the company. He stated XXXX XXXX XXXX, XXXX and said that he could not do anything without the case number. I explained there was no case number. While doing so, I looked up the company and it appeared to be a collection company. I asked if he could cross reference other information. I gave him the number he that they called my relative on. I stated that they were a collection company. He said it was not. Then he said he will just have the court documents served and then hung up. I believe he was impersonation an attorney or court officer and should be held to FDCPA to answer for his and his companies tactics.
Product: Debt collection

I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. This account is incorrectly reporting as a collection account with a balance past due.