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

For almost a year I have attempted to have the Credit Reporting Companies to stop the unlawful reporting of my private bankruptcy. XXXX and Experian have repeatedly responded back stating that the Bankruptcy Court has verified even after receiving the letter from the Bankruptcy Court stating THEY HAVE NOT REPORTED the account. 

XXXX has removed the account but XXXX and Experian are knowingly and willingly being non complicate. 

I have provided the Credit Reporting Companies via Certified Mail with Green Return Receipt a Notarized Affidavit of TRUTH, to confirm both my Legal identity and my legal address. Still both XXXX and Experian keep returning letters stating they have complicated an investigation and reinvestigation that the account was verified by the bankruptcy court, these are false and fraudulent statements by both XXXX and Experian as neither have never completed an investigation nor have they ever provided a Certificate of the identity to whom verified the account. 


15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some negative items in my credit report and dont belong to me CAPITAL ONE Account Number : XXXX
Product: Mortgage

New Penn Financial based in XXXX with offices in New Jersey and Maryland sent me a mortgage statement in which I had not pair the month of XXXX. I sent an email back stating that a New Penn Financial agent had approach me and may the payment during the month of XXXX by directly sending the payment to their account. She tells me that even if you have the account number for the payment, no payments are made directly to that account which they never told me. Their payment method is an account linked to their payment services which does not let you pay if they state you own them for more than a month. This payment statement goes against the Georgia Mortgage process which deems on that " To engage in ANY transaction, act, practice or course of business which operates or will operate as FRAUD or deceit upon the purchaser and seller '' is not allowed. It appears that the Mortgage statement looks like its handled by a different company, although for Georgia purposes its all handle by New Penn Financial. I made the payment in XXXX and they are charging me again,. And I missed a payment in XXXX ( one Day ) because they would not operate on the payment directly. It took four days for them to get the payment I made before XXXX XXXX. This has to stop.
Product: Debt collection

I have called, emailed and faxed an itemized debt validation request letter multiple times and have also asked them to provide my signed document my provider should have given them to authorize this third party to contact me about personal medical information which they have not been able to provide me. This is a HIPPA violation unless they are able to provide me both documents I am requesting.
Product: Checking or savings account

I filed a dispute with USAA on XXXX. USAA issued a credit for {$1400.00}, they made no contact with the merchant who agrees they didn't deliver the product/ service and could not refund my money. USAA reversed the credit and pulled {$1400.00} from my checking account without notice leaving me in a financial strain. I called ISAA and spent weeks trying to correct the issue. Their customer service people told me it was too late to do anything and the " customer isn't always right '' I am out {$1400.00} after providing all supporting documents and USAA refuses to do anything. As a XXXX veteran, I can not afford this. I served my country honorable and was injured on her defense. I need help in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The software tried to send me to XXXX and I couldnt access the XXXX and Equifax reports. I asked them to fax me the report to ( XXXX ) XXXX - XXXX. But I am not getting luck. 

I asked for their fax numbers. I want to expidite the recieving of my credit reports so that I can fix and manage my credit. I am needing this get funding. 

Please have them fax me at ( XXXX ) XXXX - XXXX. XXXX and Equifax. If they cant please email them to XXXX XXXX
Product: Checking or savings account

I was sent a promotional offer from TD Bank offering a {$300.00} cash bonus to open a TD Beyond Checking Account. The offer stated that the account had to be opened by XX/XX/XXXX ( I opened the account on XX/XX/XXXX ), that I had to set up direct deposit and deposit {$2500.00} within 60 days ( which I did ), that I could not have had a checking account with TD Bank in the past 12 months ( Which I did not have - I did have a checking account with them in XXXX ). 

When I opened the account I spoke with XXXX XXXX, a Store Supervisor to ensure that I met and could meet all requirements. She ensured me that I did and that I did qualify for the {$300.00} cash bonus. 

I called the bank after 90 days and they reassured me the bonus was on the way and that it could take up to 120 days before receiving. After 120 days I called the bank again and was told that I met all requirements and that they would contact the correct department to have the {$300.00} cash bonus deposited into my account. 

One week later ( no phone call or explanation form TD Bank ) I called again. After speaking with a representative for quite a while explaining my situation I was connected with the Branch Manager XXXX XXXX. She told me that XXXX XXXX was no longer at that branch and that she would look into my dispute. 

I have documentation of mailing offer and statements. XXXX explained that the mailer says bonus can not be combined with any other offer ( which it does ). I explained to XXXX that I did not combine any other offer with the opening of my new account. XXXX XXXX also reassured me I was not combining this offer with any other. 

XXXX XXXX then told me that I received a {$300.00} bonus in XXXX from TD Bank when I opened up a checking account with TD Bank in XXXX. I told her that yes, I did receive a {$300.00} cash offer from TD Bank in XXXX, but that I was not combining it with this offer. 

There is no where in the TD Bank mailer ( I do have a copy ) where it states that if you previously received a bonus from TD Bank, that you are ineligible for another bonus. 

As previously stated, I have all documentation and believe TD Bank did not live up to the bonus offer sent to me. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Checking or savings account

I have account with HSBC bank in XXXX My mom dad and transfer money from XXXX for my maintenance. After that bank freeze my account and I cant use the money from my account. 
Please let me know how long it will take to reopen my account. 
My bank send me this We are unable to process any transactions or requests as the bank is currently complying with its XXXX statutory requirements and the bank will be in touch in due course. Timescales are not available at this time.
Product: Debt collection

This account was placed for collections incorrectly. I have attached proof that this loan is in good standing with XXXX. I have also spoke with a XXXX rep, who made it clear to me that this debt is current and in good standing. Ascendium has threatened to garnish my wages and has harassed me over a debt that is incorrect.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), a charge-off should be reported once, reflecting the date it was charged off, and should not continue to appear as if a new charge-off is happening monthly. 

XXXX XXXX continues to report the account as charged off each month. Instead, the charge-off should be noted as a single event, and subsequent reporting should reflect the status of the account, such as unpaid, settled, or in collections. 

Multiple charge-off entries for the same debt should not appear on a monthly basis. 
The debt should appear only once, with subsequent updates reflecting status changes. XXXX XXXX  is reporting charge off every single month and reaging negatives. They are reporting inaccurately as new charge offs every month.
Product: Money transfer, virtual currency, or money service

Thanks for your help. I sent one claim last month but it is closed. But what the bank said it is not true. I donot know where to ask for help. Could you please help? 
the case number is XXXX. On XXXX Outgoing wire transfer - {$18000.00} to a person I did not know. Not sure who entered my account and did it, Chase said they can not refund. With your help, they replied but denied my case. The reason they told is not the whole story. 
It is a very complicated story. They replied " '' We sent a One Time Passcode connected to the phone number .... to send the wire transfer. '' '' The passcode we received is for another transaction. There were two transactions pending on XX/XX/24 when I made the phone call. one is {$18000.00}, another one is {$18000.00}. My purpose was to release the {$18000.00} since it was pending over 2 days and our vendor would not release our order. That is why I called. The banker on the phone thought I wanted to release {$18000.00}, he sent us code to release the money. By that time, I even do not know there is one {$18000.00} pending as well. He told me I release your wire. I said " no, it is ACH payment, not wire '' He said it is a wire. I said it is wrong. Then we figured we were talking two different translocation. I immediately told him to stop {$18000.00} since I did not recognize it. and only release {$18000.00}. The banker said I stopped the wire. This is the whole story, and it is recorded when I made the phone call. If the investigator listened the recording on XX/XX/24. He/She could find out where is wrong. It explained everything. The banker made the mistake and released the wrong one, when he tried to stop it, it might to late so it is released.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a victim of identity theft and fraud. XXXX  IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING XXXX  ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrectly reporting to credit bureau on date of late payment. Showing on XXXX and XXXX as XX/XX/XXXX and Transunion as XX/XX/XXXX. Disputed consistently for 90 days. Last disputed XX/XX/2018 with Transunion and XXXX XXXX. Have records from Creditor showing their own information is incorrect, payment history and letter. Consistently refuses to fix disputes even though admittedly over the phone has said several times it is incorrect.
Product: Checking or savings account

On XX/XX/year> I received an emailed invoice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the telephone number is XXXX and the email attached to the invoice is XXXX The charge is in the amount of {$50.00} Charged to XXXX  ending in XXXX XX/XX/year>, XXXXXXXX XXXX  that is not my card but they are using my name. The invoice number is XXXX XXXXXXXX the phone number used by the criminal is XXXX
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Hello, I have a student loan with Great Lakes. During XX/XX/XXXX I was a graduate student, at least half time. I submitted to Great Lakes the information required by them to update my status as student and defer interest payment on my loan. I have been a student at least half time since XXXX XXXX, all through XX/XX/XXXX. The statements I receive form them and the account detail listed on the website does not provide sufficient information to follow the payments how are applied to interest and to principal. However, my XXXX reflects {$220.00} received in interest payments for XX/XX/XXXX from me. This is not correct, it should be XXXX. Great Lakes had all the information they required form me to stop the interest charge.
Product: Debt collection

BC SERVICES INC is attempting to collect on debt already PIF with XXXX XXXX over phone several years ago. Needs to be removed ASAP. 

First amount is for XXXX XXXX XXXX XXXX CA : {$3600.00} Second amount is XXXX XXXX XXXX XXXX XXXX : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Im trying to dispute this because Ive already contacted the collection agency on XX/XX/2023 at XXXX and I called them again on XX/XX/2023 at XXXX and they told me theyre still working on it, so I called again on XX/XX/2023 so they put me on hold for two hours and what they told me was they telling me they cant do it because it being verify.
Product: Payday loan, title loan, or personal loan

My credit union gave all members new debit cards, so my existing card on file with Uplift was no longer valid. I entered my new debit card into the Uplift system but kept getting this message : " Card is not accepted. Please try a different debit card or connect your bank account ''.

I began the process to connect my bank account. Uplift uses a third party app called XXXX XXXX XXXX XXXX to do this. The problem- which seems like a scam- is that XXXX requires us to give them our username and password to our bank accounts in order to withdraw Uplift payments. 

" Enter your credentials - By providing your XXXX XXXX XXXX XXXX XXXX credentials to XXXX, you're enabling XXXX  to retrieve your financial data. '' I will never give out my username and password. Who would ( rhetorical ). 

So, the only option I'm left with - because I have no other cards to use - is non-payment ( unless Uplift accepts my new debit card ). I want to pay my bill.
Product: Checking or savings account

I accidentally wrote two checks from my Truist checking account thinking I was writing them from my XXXX XXXX account to deposit in my Truist savings account. They closed my account without warning, only refunded me {$14.00} from my checking account after all of the checks clear and are now refusing to give me the {$1200.00} that was in my savings account. I have called over and over again and they refuse to give me my money for no reason. Please help
Product: Debt collection

Collection Agency : ONLINE Information Services XXXX. XXXX XXXX XXXX, NC XXXX USA This is a medical debt collection. According to XXXX, medical debt collections are not to be reported until after 180 days. 

XX/XX/19 - Collection agency received account ( {$170.00} balance ). 
XX/XX/19 - Payment sent of {$50.00}. 
No communication, statements, anything from collection agency between XX/XX/19 and XX/XX/19. 
XX/XX/19 - Reported to credit bureau are unpaid. 
XX/XX/19 - Attempted to call and resolve without resolution.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. I have some unauthorized inquiries and some addresses on my credit report I would like removed. Inquiries : ( XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX ) Addresses : ( 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 According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 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: Credit reporting or other personal consumer reports

Transunion is reporting unvalidated information on my credit report, they are using third party information and not performing a full investigation, and have not been informative on who they spoke to at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  list them as an inactive company since XXXX so who did they speak to in order to validate them as original creditor, name, position at the company and contact information was not provided because they did not validate with a full investigation, TransUnion is taking false information from a third part debt collector who is in dishonor in commerce for still not replying to my affidavit of truth and still has not supplied a lawful contract
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX credit cards were attempted to open. XXXX was XXXX XXXX and other one was Wells Fargo. I called XXXX  and the credit card companies. The inquires were removed from my credit report and I locked my credit with XXXX  for now
Product: Mortgage

Back in XXXX I was trying to refinance my home with Amerisave Mortgage. XXXX XXXX is the rep I was dealing with and I was also communicating via email with a person named XXXX XXXX. On roughly XX/XX/XXXX ( and I can certainly verify that ) but I paid XXXX {$500.00} for my home appraisal. Before I agreed to send them this money I asked my rep XXXX to confirm why I was sending them this money, etc .... ( I was recording the conversation ) He said I had to pay the {$500.00} before I could schedule my appraisal. This was just the beginning of the drama and unprofessionalism I dealt with. However, I never refinanced with them because they were constantly asking me for information I had already submitted and they also had my job history screwed up. I chose not to do business with a company that couldn't keep track of my personal information and therefore I never had my home appraised, although I had paid {$500.00}. I have called this company NUMEROUS times, I have emailed my reps, I have left messages with a person that took my call on several occasions and they were to have a manager call me, to no avail. Last Thursday I believe, I called the company and the operator that answered said she would get a manager for me and then she came back to the phone and said my rep XXXX had been trying to reach out to me and transferred me to him. He answered and then immediately transferred me back to the automated system and I got another person. I told her I wanted to speak to a manager and she said she would take a message and have someone call me and I still haven't heard from anyone. I am reaching out here before I contact my bank and see what they can do to help me recoup my {$500.00}.
Product: Mortgage

XXXX. Called company to discuss a plan to pay off mortgage while home is being sold. Mortgage note is current, with typical payment due XX/XX/XXXX. I Requested my mortgage company contact me regarding a plan to pay off mortgage as I am unable to continue making payments. Company responded by placing me in forbearance, and refused to accept a payoff. Company insisted I make a payment on the telephone immediately for a note I am current on. 

So, in a nutshell, I have tried to pay off my mortgage company using IRA funds instead of making payments to them. I've asked for help making an arrangement to hold the funds in escrow until the property sells. They avoid a loss, and I avoid a major tax burden. 

I've never met a lender that didn't want to get paid back before. You'd think they would work with me on getting paid back. Our contract even says I have the right to pay off the note at any time without penalty. By my lender refusing these funds, they've refused repayment. 

Now what?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX XXXX  XXXX # XXXX, has violated my rights XXXX XXXX  XXXX XXXX, has violated my rights XXXX  XXXX XXXX XXXX, has violated my rights XXXX  XXXX XXXX XXXX, has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX  XXXX, has violated my rights XXXX XXXX XXXX XXXX, has violated my rights 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 a account without my written instructions
Product: Checking or savings account

On or about XX/XX/XXXX, my wife wrote a personal check payable to the IRS in the amount of {$310000.00} to satisfy a quarterly tax payment. She deposited the envelope in a secure mailbox at the US Post office. Someone intercepted the check at the USPS or IRS and chemically altered ( washed the check ) changing the payee to " XXXX XXXXXXXX XXXX '', changing the date to XX/XX/XXXX and then they deposited the check into a XXXXXXXX XXXXk account. The check is so clearly altered and none of the writing matches XXXX XXXX 's signature. 

On XX/XX/XXXX our accountant informed us that the IRS had not received our estimate tax payment, and wanted us to provide a front and back copy of the check we mailed. That same day we went to Wells Fargo and obtained a copy of the check and could see that the check had been altered. We filed a claim on XX/XX/XXXX with Wells Fargo. Wells Fargo sent us a form letter a week later denying our claim stating that too much time had elapsed. 

We have submitted an escalated claim to Wells Fargo and they have issued us a case # which is : Wells Fargo case number : XXXX. We also filed a Police report ( XXXX Police Department Case # XXXX, and a complaint with the Office of the Comptroller of Currency . Case # XXXX. 

Wells Fargo has today opened a new case # XXXX as a result of an inquiry from the OCC.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX third party utility company billed me twice with electric charges and I was being billed by the electric company as well. They sent it collections to XXXX  for {$570.00} the amount is incorrect. I ask to update my bill so I can pay it they just sent it to collections
Product: Mortgage

On XX/XX/2022 I called PHH to request the removal of PMI, because the equity in my home has increased well over 20 % due to appreciation in the area. A customer service representative told me on a RECORDED line that I needed to order an appraisal to confirm that and that I could order the appraisal myself or do it through PHH. I decided to order it myself as it would be quicker, so I ordered an appraisal, paid XXXX $ for it, and then sent it to PHH for review. I sent the required documentation on XX/XX/2022, and just today, XX/XX/2022, I received an email saying that they are unable to use the appraisal report that I provided, because it has to be ordered by them. All of this after a PHH mortgage representative told me to order the appraisal myself.