23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

There are several inaccuracies on my Equifax consumer report that i would like removed and addressed The name " XXXX XXXX XXXX '' is present on my Equifax consumer report this name does not belong to me and dos not represent me I would like only the name " XXXX XXXX '' present on my consumer report. 

addresses The address " XXXX XXXX XXXX XXXX, LA XXXX '' this is a non mailable address and I can never be reached at this inaccurate address. i would like this address removed from my consumer report Accounts XXXX Bank Have the derogatory remarks that i want removed pursuant the laws that protect me the consumer found in 15 U.S. Code 1681a remarks : - '' Payment Status Charge-off '' - 30 days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX - 60 days late XX/XX/XXXX - 90 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Hard Inquiry Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report XXXX XXXX  : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. 

XXXX  The account " XXXX XXXX XXXX Account Number XXXX Reported : XXXX. XXXX, XXXX '' {$430.00} This collection account is being reported as " Active /Open '' being that is account is charged off and reported as a collection is it illegal for this account to be reported as Open if it is a collection account. Per the laws found in 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES, i would like this account removed immediately
Product: Credit reporting or other personal consumer reports

I am a recent graduate and upon my 6 month grace period I tried to reach out to XXXX regarding my XXXX  repayment program. To date I have not been able to contact anyone wait times are hours and when you select to receive a call back no one ever calls. I wake up Sunday morning to my credit score going from a XXXX to XXXX!! This is wrong and financially devastating to my life with no assistance from a loan servicer whom my loans were transferred to. None of my fellow graduating classmates have had this experience and it seems I am XXXX of the unfortunate to be transferred to this awful loan servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these inquiries were unauthorized. The 3 credit bureaus must delete these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted for erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

See attached letter ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To ; Consumerfinance.gov I hope this message finds you well. Recently, I had the pleasure of speaking with a knowledgeable and professional representative from your office. She kindly advised me to put my complaint in writing, so here I am, reaching out for your assistance. 
In XX/XX/year>, I informed my mortgage company, XXXX PHH Mortgage Servicers, that I no longer wished to maintain an escrow account with them. Following this, I received my statement for XXXX and promptly paid {$860.00} for the principal and interest on XX/XX/year>. This payment cleared my bank on XX/XX/year>, as an ACH payment. The TRACE number for this transaction is XXXX. 
However, as you can see from the attached copy of the letter I received, my payment was not correctly applied to my account. This has caused significant distress, as I believe they are attempting to damage my credit with the statement dated XX/XX/year>. 
I am deeply concerned about this situation and would greatly appreciate any assistance you can provide in resolving this matter. Your help in ensuring my payment is correctly applied and my credit remains intact would mean the world to me. 
Thank you for your time and understanding. 
Sincerely, XXXX XXXX
Product: Credit card

I opened a joint-owner credit card with the XXXX XXXX XXXX XXXX in XXXX XXXX. I closed it in XXXX XXXX with a {$10000.00} Credit Limit in Pays As Agreed status. The closure was only reported to XXXX correctly. Equifax and XXXX still report it as open with a {$2500.00} credit limit. I filed a dispute with both Equifax and XXXX and XXXX came back with XXXX credit limit as correct and the account is still open. When I called XXXX, they agreed the card was closed but refused to correct their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion clearly violating FCRA laws. Transunion stated they verified the accounts but provided no proof. Deleted 2 accounts but ignored the rest. All the incorrect items need to be removed
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because XXXX XXXX XXXXXXXX XXXX XXXX XXXX and Synerprise consulting services placed a debt into collections that arose due to a data breach, which I believe is an error. The sequence of events is as follows : Data Breach Incident : On XX/XX/XXXX, a data breach occurred at XXXX that exposed my personal information. I was notified of this breach when I noticed the collections and immediately took steps to monitor my accounts and credit reports. 

Unauthorized Activity : As a result of this breach, an unauthorized account or charge was opened in my name, which I disputed with all credit unions on variety of dates. I provided supporting documentation, including a copy of the breach notification, proof of identity theft, and dispute letters to the credit bureaus. 

Debt Collection : Despite my dispute, the credit companies placed the debt into collections, causing further harm to my credit score and financial standing. This action was taken without adequately investigating the dispute or resolving the matter. 

My Actions : Since learning of this issue, I have taken the following steps : Contacted all credit company to dispute the debt. 
Provided evidence of identity theft/data breach. 
Submitted disputes to the credit bureaus. 
Filed a FTC Identity Theft Affidavit on XX/XX/XXXX
Product: Vehicle loan or lease

I filed a dispute with WESTLAKE FINANCIAL via email & certified mail. I received confirmation that the letter was received. I waited the 30 days for WESTLAKE FINANCIAL to respond and still have not received a response or the requested documentation. 

They have repossessed my vehicle on XXXX occasions. On one of those occasions the tow company was kind enough to provide me proof that WESTLAKE FINANCIAL was not the owner of my vehicle. Just yesterday, WESTLAKE FINANCIAL sent someone to my home to place a note on my door. WESTLAKE FINANCIAL has put myself and my family in harms way. I am currently in distress because I have an unknown individual who knows where I reside. I feel violated.
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau, the required document and a letter from the advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within 4 business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from TransUnion. 

Please delete and remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I downloaded the XXXX XXXX XXXX. ( XXXX XXXX XXXX - Company name ). I provided all the information DL, and tied linking a savings account to the app to trade and buy stocks. They tried to take out XXXX out of mt savings, so i stopped the transfer. Since then i have not had my bank linked to the app. I notice that i transferred XXXX dollars from XXXX to XXXX in the beginning. Making no transactions, not buying or trading stocks. My money is no longer at XXXX. I try once again to link my savings account, They will not take anything i give them showing I am the owner of the savings account. I do not get statments in the mail, no on email for a savings account, checking, yes, but not savings. I was not going to give them my account information on my checking account. So instead of accepting the information and many emails about my savings account, they suspend the account. Then they close the account, and say that I authorized a transfer to my savings account for only roughly 80 $ I demanded to know where the rest of my money was, and they give me a " statement '' of my supposed transactions. Only since XXXX. I am missing roughly {$160.00} dollars. Not to mention this is very shady how they can do all of this to peoples account for a savings account that i could not use to make stock purchases or get activated, yet They transferred the money to it? Extremely bad business!! All i wanted to do was get every detail of where my money went, but first all i wanted was to just have the account able to buy and sell stocks. They have cost me a lot. I had others wanting to buy in with me.
Product: Credit reporting

On XXXX XXXX, 2016 I checked my credit report and all of my inquiries were deleted. I logged in today and all of the inquiries were back on my report and my score dropped.
Product: Checking or savings account

Capital one canceled my debit card for a " fraudulent charge '' that was never on the card. After being out of town and trying to access my money the card would not work. I called the bank and they informed me that they cut off the card due to a charge that i make every XXXX weeks. This was on XX/XX/XXXX i believe. Well after XXXX weeks I still have not received my card and Capital one is not allowing me to access my money. I can't pay bills, go to the store, get gas, or pay for ANYTHING at this time. I have a child who is special needs and I can't pay his medical needs without my card. Capital one is doing nothing at all to resolve the situation.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED A ACCOUNT AND CREDIT INQUIRIES THAT I DID NOT AUTHORIZE. I HAVE NO KNOWLEDGE OF THIS ACCOUNT OR INQUIRIES. I REACHED OUT TO THE CREDIT BUREAUS INDIVUALLY BY MAIL AND PHONE REQUESTING VERIFICATION. THESE TRANSACTIONS ARE UNVERFIABLE. THIS INFORMATION BEING PLACED ON MY PROFILE ARE AFFECTING MY ABILITY TO OBTAIN CREDIT I HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS ACCOUNT TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681. 
FUTHERMORE FURNISHING ACCOUNTS AND INQUIRIES TO MY PROFILE RESULTING FROM IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.
Product: Debt collection

The debt account was open on XX/XX/2018. The company is Security Credit Service. The debt amount is XXXX. I am not aware this debt and it is not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have been reviewing my credit reports and requesting investigations into all accounts that appear to be reporting inconsistently and inaccurately. One of the reported accounts, XXXX XXXX ( XXXX Card ) has been reporting inconsistently and inaccurate information since XX/XX/2019 at least. Despite my numerous letters to the credit bureaus, they continued to report that the account is valid and without error. As you will see from my attachment, this is definitely untrue. From my last investigation request, I was pleased to see that XXXX  finally reacted responsibly and deleted the account based on how it was reporting. XXXX  and TransUnion continue to report the remaining account in violation of the FCRA. 

I think at this point I have been more than patient despite their lack of efforts to be compliant with FCRA guidelines. The account needs to be deleted from XXXX and TransUnion as the data furnisher appears to have no intention on reporting accurately.
Product: Credit reporting or other personal consumer reports

REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRIES : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiries made by the companies listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiries. I respectfully request a copy of any documents authorizing credit inquiries, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter is appreciated. Sincerely, XXXX XXXX XXXX
Product: Credit card

In 2013 I defaulted on a credit card debt. This debt was subsequently charged off and reported to the IRS as bad debt. Chase is still reflecting and trying to collect the full amount of the debt XXXX {$2200.00} XXXX. I want to pay this debt as I am in a better place financially. I ca n't possibly be expected to pay the bad debt and the taxes. Either cancel the debt and reflect it as a zero balance charge off and I pay the taxable income, or I will pay the bad debt. XXXX
Product: Mortgage

I mailed a payment to Midland mortgage XXXX XXXX,  when it didn't clear my account I called and explained I mailed it.  I learned from post office about fraud and mail Theft. Midland assured me if I could provide proof I would not be reported to the bureau.  I sent proof Midland mortgage is now ignoring me and when I call I'm being placed on hold and not helped.  XXXX XXXX falls on a Saturday yet Midland mortgage will not allow payments until XXXX XXXX and I don't want to be reported late because of this
Product: Debt collection

I received a notice from credit collection services, asking to pay {$240.00} for XXXX XXXX XXXX  done in XX/XX/XXXX ( during COVID19 peak season when I had insurance with XXXX XXXX  Plan ). 

My medical condition warranted a XXXX XXXX XXXX, and so provider ordered one ( covered by insurance ) and test was conducted by XXXX XXXX. Between provider and insurer the procedure and diagnosis code were incorrectly coded and hence disposed as not covered. The test is performed at {$40.00} ( as published by XXXX online ). However, they attempted to collect unproven debt from me, as well as initiated a new claim with insurer. 

In early XX/XX/XXXX, I had a conference call with provider to have them give the right codes on the same call to XXXX, and requested them to correctly code the procedure. 

3 things concern me - 1. XXXX is price gauging ( why would they charge anyone more than market price online ) and defeating the intent of surprise billing instituted earlier this year. 
2. Inspite of my provider and me helping them with the correct code, they concurrently sent the paid amount to debt collection. 
3. According to CDC, AAFP, and other medical authorities my preventative diagnostic for XXXX XXXX is fully covered by under healthcare regulations, so its very surprising to see Quest flaunting those rules.

I would like to request a copy of this grievance to be shared with credit bureau and i will happily provide details to substantiate my request
Product: Credit reporting or other personal consumer reports

Hard injuries reporting that I do not recognize - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Exeter Finance 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

XXXX ; Has Fraudulent activity and Incorrect information. Also XXXX has denied me access to credit report since XXXX! 

Identity theft and freezes have been exhausted over 9 years now yet my credit report score and file is inaccessible to me, my credit report and score severely inaccurate incomplete information as well as Fraudulent activity and accounts are the reason XXXX   XXXX  XXXX XXXX etc me XXXX lock and illegally have locked me out of my credit report file since as early XXXX. 

Each Bureau for Credit Score and Reports have made no evidence of protection for me and I have multiple years of out dated and aged student loans as debt and nothing else. Yet for 10+ years now 520-580 at best us associated with my identity and USA social security number. I'm outraged Beyond Critical conditions in my life Irreversible hardships onset of unsalvageable damage that affected my children and I. Physically XXXX emotionally devasted from lack of professionalism protection and the XXXX process and procedures per each major bureau terms of service and privacy policy facilitating this. Please excuse my brevity of the prerequisite for this discussion. Collectively couldn't case file as disputes I have to continue discovering discussion about this.
Product: Checking or savings account

I have several accounts with CapitalOne, including Credit Card, Money Market and Checking. 

For a number of years, I have been registered with their website so I could review my accounts from time to time online, including monitoring credit card charges Recently when I tried signing on, I was informed that they have redone their site and one piece of information required for me to access my own account was inputting my salary. Without completing this field, i would not be allowed to access my personal accounts online. I am XX/XX/XXXX and even if I didnt object to giving my salary, it jumps so I may be put in the box someday by CapitalOne saying I gave false information when there was a significant change in my salary from what was submitted.. 

I called " customer service '' and was told that the marketing department had implemented this so they could evaluate marketing other products to me and other customers. 

I told them I did n't want to be marketed any additional products and the " customer service '' person opted me out. Nonetheless, I still ca n't access my account without inputting my salary. 

The " customer service '' person said only marketing had control over this and all she could do was submit a " compliant ' on my behalf. 

My credit score was and continues to be in the Excellent range. And as a matter of fact, CapitalOne tracks my credit score for me showing just that. Isnt my credit score the way they evaluate extending credit to me? 

I just returned from a trip in XXXX and used two of my accounts while in XXXX and I ca n't access the accounts online to make sure everything is proper and there are not false or incorrect charges. 

It is clear to me that this marketing decision to further intrude into my personal information and with so many breaches of websites we read about, this just puts more information out there. 

Hence, in order to market more products ( which I do n't want ), Capitalone is saying " to the heck with you and your privacy and even though it does n't affect your present accounts, we are holding your account information online hostage until you do what our marketing department wants - i. e. to bombard customers with offers I do n't want. 

Please force CapitalOne to stop the unfair and deceptive practice of denying me access to my personal deposit and credit information because I wont give them personal information. SINCE THIS IS A MARKETING DIRECTIVE, THERE IS NO REASON TO HOLD MY ACCOUNT INFORMATION HOSTAGE. They can always look at my credit score in evaluating continuing to provide me credit. 

Although I think this should be totally banned, here is and easy solution is for anyone who hasnt opted out, eliminate this question. They can have a box to check about the salary which says, check this opt out box and you dont need to provide salary. 

I appreciate you looking into this unfair and deceptive business practice.
Product: Money transfers

On XXXX XXXX, 2015 I sent {$100.00} to XXXX XXXX in XXXX for the purpose of buying food.. The XXXX # was XXXX XXXX XXXX. When XXXX went to pick up the {$100.00} he was told that number was not available. I called Western Union and was told that the transaction was cancelled due to a business decision. I Received a refund and attempted to resend the {$100.00} XXXX XXXX XXXX XXXX XXXX ). When I called Western Union to check on this transaction, I was told that I had been placed on a no send/receive list. When I asked for an explanation, I was told it was a business decision with no further explanation. 

I believe that If I have done nothing illegal, I am due an explanation and a means to have my name expunged from this list. I am requesting the assistance of the CFPB in either resolving my complaint with Western Union and be provided an explanation as to why I was placed on this no send/receive list. I would also expect a means to be taken off of said list. 

Your assistance is greatly appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone by the name of XXXX XXXX has used my personal information for a order with XXXX over a year ago. I have contacted XXXX several times since last year and each time Ive spoken with them I have been told that the order was marked fraudulent but they have not refunded the loan company that issued the payment, which is Affirm. The person applied for the loan with an address that I have not been associated with in over 10 years. This matter is getting out of hand and is causing me great frustration. I have taken all of the steps necessary and have cooperated with both companies. Theres nothing more I can do.