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

Experian, XXXX, XXXX, XXXX XXXX, and XXXX XXXX are refusing to remove this inaccurate information from my account. To date as of XX/XX/2023 I have not received any documents providing the requested debt validation items they should have within their files as they've only stated the information they have is correct. How is the information correct, what information do you have within your system, who completed the application, where is the credit card application, send every single file and not a credit card statement. 

Credit Bureaus REMOVE this account.
Product: Mortgage

I was working with XXXX Weeks from Sprout Mortgage to obtain a mortgage for a home I am purchasing. After working with them for weeks, getting conditional approval from underwriting, paying for and having an appraisal done, they realized that they wouldn't be able to proceed any further with the mortgage. That is not what I am complaining about. Shortly after this was communicated to me, I found another lender ( XXXX XXXX XXXX XXXX ) that was able to provide me with a mortgage for the property. Since the appraisal had already been paid for and completed just a couple weeks ago, all they needed from the prior lender ( Sprout ) was to have someone from their side sign an appraisal independence certification form so that they could use the appraisal themselves. After countless emails back and forth to XXXX/Sprout, eventually she just stopped communicating, and now my closing with XXXX XXXX  ( current lender ) has been delayed, and I am having to pay for another appraisal to be done. SproutXXXX clearly just stopped caring as soon as they realized they wouldn't be able to make any money from me.
Product: Debt collection

I had a XXXX  stay between XX/XX/XXXX and XX/XX/XXXX. I received my first bill for {$2200.00} on XX/XX/XXXX. On XX/XX/XXXX I received additional statements stating that the bills I received the day before were past due. Between XX/XX/XXXX and XX/XX/XXXX I received numerous additional bills dictating how the amount insurance was billed and how much I owed. On XX/XX/XXXX I received a final statement after the full amount was billed to insurance stating that I, the patient, owed {$0.00}. On XX/XX/XXXX I received a letter from an agency explaining that the hospital sent the previous bill of {$2200.00} to collections. Aside from receiving a receipt showing that I had {$0.00} responsibility & insurance was billed for the entire amount, I believe this bill was sent to collections too soon. Unless I've misinterpreted collections laws, hospitals can't send bills to collections until 120 days after the statement date of the first bill, which was XXXX less than 80 days from when I received a collections notice. 

I submitted this complaint on XX/XX/XXXXXXXX  and on XX/XX/XXXXXXXX  my case was closed after the company responded with no evidence of my owing this debt. An old ledger was sent to me from the original creditor, but that original creditor has been permanently closed for at least 5 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the listed accounts below were opened fraudulently without my consent and it is against consumer law to report fraudulent accounts. 

Experian XXXX Accounts XXXX XXXX XXXX  Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize '' Equifax, '' nor did I consent to following inquiries being furnished on my consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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
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 : U S DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : U S DEPT OF ED/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

I was just recently notified by the credit bureaus that a collection was put on my reports from a collection agency on behalf of XXXX. this was done about a year ago and I had to go through tons of paperwork back and forth to prove it was not my debt. It caused havoc on my credit repair. Now they have done it again with the same debt. My credit has been destroyed!!!! Over a XXXX points down!!! I thought the law said I must be contacted before collections were added. Why aren't there fines for hurting consumers?
Product: Debt collection

XXXX XXXX is reporting as a collection account with a balance, however this account has been paid in full. Attached is the payment receipt for the adjusted amount reporting on my credit report. It was paid the collection financial firm that it was directed to. I am requesting immediate permanent deletion from my credit report without prejudice.
Product: Mortgage

We sold a property that we had a mortgage through Truist bank, originally Suntrust prior to their merger, and as part of the sale we requested payoff information from Truist Bank, mortgage holder, thru the buyers closing agent which was received on or about XXXX. After closing, XXXX, we received the Truist payoff letter from the closing agent which included what we contend is an erroneous interest amount assigned by Truist, {$230.00} versus amount shown on Truist XXXX statement of {$58.00}. The amount in our escrow account on the XXXX statement is shown as {$990.00} however there are no XXXX funds listed as being " due '' on the XXXX XXXX XXXX letter from Truist. The Truist final statement dated XXXX shows the following : XX/XX/2023 - Actual Escrow balance of {$690.00} XX/XX/2023 - Actual Escrow Balance of {$1900.00} which includes our XX/XX/2023 payment and escrow amount of {$220.00}. 

We maintain the ACTUAL Escrow balance as of XX/XX/2023 should be as follows : XX/XX/2023 - Actual Escrow balance of {$690.00} XX/XX/2023 payment into Escrow of {$220.00} + {$690.00} = {$910.00}. 

We questioned Truist in our XX/XX/2023 letter where the escrow amount of {$990.00} listed on the XX/XX/2023 statement came from as this amount does not appear in the Truist XXXX XXXX letter they sent to the closing agent. We questioned Truist in our XX/XX/2023 letter where the {$58.00} interest shown on the XX/XX/2023 statement came from when the amount shown and paid by us on the XXXX XXXX XXXX letter listed interest due as {$230.00}. We further questioned Truist why the {$230.00} interest in their XXXX XXXX letter was NOT listed on the XX/XX/2023 final statement since is was part of the amont we paid to Truist via the closing agent. We questioned Truist regarding the ACTUAL date the XXXX of XXXX check was ACTUALLY mailed as it was not received by XXXX until XX/XX/2023. Conveniently there is no date stamp on the envelope but by virtue of the check being dated timely, Truist has met the time frame requirement to effectuate a refund on the escrow balance. Lastly we questioned why Truist did not include ANY explanation or statement with the Escrow Payment check for any of these amounts, financial items. 

Our QWR letter was mailed on XX/XX/2023 from XXXX XXXX Pennsylvania XXXX XXXX XXXX to the Truist Bank XXXX address listed in the Truist correspondence we received from Truist and as of today, Saturday XX/XX/2023 we have not received an acknowledgement of receipt nor a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting my credit history. My equifax credit report shows someone else in my credit history.
Product: Student loan

Unsubsidized FFEL Consolidation Loans I have been paying income-driven payments by an automatic deduction for years. At some point, the XXXX decided to change the way they do things unbeknownst to me and stopped my auto payment, thus defaulting me. When I figured I had to be close to payoff, I inquired so I could pay off any remaining balance cash I learned about the change and that there are no added fees. 

I never wanted to stop any payments, even when I was in school again or when the covid pandemic allowed for the temporary halt of payments. I should have been fully paid off by now.
Product: Checking or savings account

To Whom It May Concern, On XX/XX/XXXX at XXXX, I had an unauthorized transfer of {$2000.00} taken out of my Chime checking account. I have since spoken to Chime customer service representatives six times to date. The third time in speaking on the phone I was told I would be receiving a full refund by Tuesday, XX/XX/XXXX. I then received an email at XXXX on XX/XX/XXXX saying my claim has been closed and no refund will be issued. Three disputes were filed by me, all of which Chime has claimed are closed and no fraud took place. I have the police report for the day my phone was stolen on XX/XX/XXXX, the unauthorized {$2000.00} transfer then followed on the morning of XX/XX/XXXX. This was a fraudulent transfer and Chime has not been helpful or urgent in refunding my money nor investigating my disputes. I would like a full refund and/or a provisional credit of the {$2000.00}. I have since then rebutted the claim 3 more separate times, submitting my robbery depo, police report, detective and officer on the scenes information and the District attorneys information and my claim was still declined
Product: Credit reporting or other personal consumer reports

These accounts are charged off and i have yet to receive a 1099C from these accounts so i can report them to the IRS. I did not give any type of consent to report these accounts 15 USC 1681b ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My account was transferred from XXXX to MOHELA. MOHELA does not have my account information accurately accounted for. Additionally, I have to tell them the same thing multiple times, and it still has not been changed. The chat ( for help/support ) feature has never worked or been unavailable every time I have tried to use it. 

The confirmation message when submitting a message through my account says that I should get a reply within 3 business days. However, it has taken approximately 3-4 weeks to receive a response, and their responses have yet to resolve any of the issues I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like a Metro 2 Compliance check
Product: Credit reporting or other personal consumer reports

Experian credit reporting agency fell to properly investigate all disputes with timely manner and investigate without real agent to find all facts. These fictitious investigating are not legit with after filing disputes with experian over numerous times with no resolution. Also impact to credit score reduce by XXXX point with no description of why credit score has changed or be impacted.
Product: Vehicle loan or lease

Ally Financial XXXX XXXX XXXX XXXX Remaining Balance : {$4400.00} To whom it may concern : I am writing concerning the above-referenced account and transactions. This vehicle was repossessed by Ally Financial in the State of Pennsylvania on or about, XX/XX/XXXX and I was never informed that it was going to be repossessed or sold.

Under the laws of the State of Pennsylvania XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX statues, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable time redemption and cure time limits were adhered to.

Furthermore, after a plethora of attempts to rectify this issue I have been unfairly dismissed and left with no explanation or answers regarding this account. I have been told multiple times that this account has been sold to XXXX XXXX and XXXX XXXX. I've contacted both XXXX  and XXXX regarding this account and both companies stated that this account belongs to Ally Financial, who has continued to report this vehicle to the credit bureaus, last report being XX/XX/XXXX, despite telling me that the account has been sold to XXXX  and XXXX. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be consider null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. If you singularly of severally fail to comply with the requests, I reserve the right to seek damages against all parties, under all the available State and Federal statutes and UCC remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were not open personal by me I have no knowledge of these accounts on my profile XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrect information to my credit report. 
-Two year payment history is incomplete with no data. 
-Date last active is incorrect with all three credit bureaus. 
-Bureau code is incorrect with XXXX showing joint owner on a single account.
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX 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: Credit card or prepaid card

I paid the payment due on time but TJX charged me the usurious late fee of {$35.00} which is outrageous and obscene and downright criminal and confiscatory! XXXX XXXX, XXXX, XXXX XXXX, XXXX ( ret )
Product: Checking or savings account

I keep getting overdraft fees. I have experienced trying to use my debit card knowing I have cash available in my checking account. And I get declined. And the cash I have available is taken by Wells Fargo. And then I get a email saying I am overdraft. I do not understand this continuing process every month with Wells Fargo Bank. And when my money is deposited in my account every month Wells Fargo takes the overdraft fee automatically. I receive my Retirement and Social Security in my checking account every month. But when I withdraw my money. I always receive a overdraft fee. Please help me..
Product: Debt collection

I have been a customer of XXXX for the last 15 years. Also, Since I move to another location the service has become poor. I have a complaint about it for the last two years, but the company couldn't fix the problem. Then, I stopped using the service in XX/XX/XXXX. They bill me the wrong amount which is a total of {$100.00} dollars. I did not agree with them. They send to a collection agency to collect the money. The collection agency called Maury COBB Attorney at Law threatened me to report to a credit bureau. Now, my credit score report is down by 70 points in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Date of Last Activity for Account # XXXX Dear XXXX XXXX XXXX I am writing to formally dispute the inaccurate date of last activity listed on my credit report for the account with the following details : Account Number : XXXX Original Creditor : XXXX XXXX Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX Date Opened : XX/XX/year> Reported Last Activity : XX/XX/year> The reported date of last activity ( XX/XX/year> ) is incorrect and does not accurately reflect the history of the account. This discrepancy may negatively impact my credit report and overall creditworthiness. I am requesting that you investigate this matter and remove this account with inaccurate information.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy
of the information they report. If the date of last activity can not be verified, I request that it be corrected or removed from my credit report entirely.

Please provide me with the results of your investigation in writing. I look forward to your response within the 30-day period as required by law. 

Thank you for your prompt attention to this matter. 

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

I've recently checked my credit report and noticed items that didn't belong to me and accounts that i did not give consent or authorization for these accounts to be furnished I have reason to believe that this is a violation of my consumer rights under the FCRA none of these accounts have been validated by me the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND TRANSUNION HAVE inaccurate information on credit report please let them know that my cra and ftc rights have been violated code protection consumer rights
Product: Debt collection

XX/XX/2018 and XX/XX/18 I requested a copy of the original signed and dated contract for Each one of the debts reported on my credit reports, with my original signature validating me as the guarantor of the debts which the original creditor XXXX XXXX  XXXX requires you to sign at time and date of service, showing you agree to the terms and you are the guarantor that will be liable for any debt incurred from hospital services. 

The debt collection company failed to provide me with the guarantor document signed and dated for the date that each debt services were provided. This document is used to make sure that the correct person is identified and charged for the services. The debt collection company only sent a computer generated ledger showing the services that were provided on each date, the cost of the services on each date and that XXXX XXXX  XXXX placed this debt to my information. The debt collection agency failed to send the requested document to validate that these debts actually belong to me.
Product: Checking or savings account

On XX/XX/year>, I completed an online application for a Capital One 360 Performance Savings account.

I completed all the prompts, including significant amounts of PII ( social, address, date of birth etc ). I went through each step, and the final screen said that I needed to call a phone number for more information. I also received an email regarding the phone number being added to my account, as well as a text message related to the account. 

I immediately called to complete the application. I spoke to an associate who could NOT locate the application with any of the information I provided. The associate provided two possible scenarios : 1. There was a glitch or 2. The application was denied. At this point, this is an unacceptable disposition. It is likely not a glitch in the application, as I received emails and texts related to the application meaning it went through. If it was a denial, I should have received a denial message or correspondence. After all, I just submitted my PII to the company. 

I asked for a supervisor to look further into the situation. The supervisor claims that he located the application, but it can not be verified. The supervisor stated the application was denied, but also claimed it needed further verification. It can not be both. Either the application was denied and we move on, or further steps need to be completed. The supervisor could not describe how further verification would be completed. 

At this point, I have ZERO idea if an account was generated or the disposition of how my PII was used. If there was a concern over identity verification, there should be a way to verify my identity to continue the application. I feel confident that application didn't tell me to call, to be given vague description as the status of my account. 

Do I need to apply again? Did my application work? When can I apply again? Hard to believe it being this difficult to apply to a place to give them {$50000.00}. 

I ultimately want to know the correct disposition of my account, and what part of my PII couldnt be verified. I would also like to know why there was no attempt to verify the PII. The entire process has left me feeling uneasy about Capital Ones handling of PII.