23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I 'm XXXX XXXX, I 've been trying to solve this problem going on a year now, since I 've filed Bankruptcy 2014 and nothing is cleared off my Credit File, I filed a Chapter XXXX and it was discharge nothing has been remove from my Credit File, all XXXX Credit Bureau keep transferring my information to each other NOT deleting, I also request to have the fraud alert remove from my Credit File and it has NOT happened, I 'm I 'm filing this complaint because I 'm getting the run around
Product: Checking or savings account

XX/XX/2019 on this day when i wen to purchase i teams from the store for my son my account got permanently suspended. I received my direct deposit on XX/XX/2019. When contacting bank they told me they couldnt reopen my account. The only reason I can think is when my account got hacked an I disputed it twice and stoped my direct deposit. I have a XXXX year old son an rent that needs to be paid. My bank witch is bluebird ( Amex ) told me they have to send me a check of whats in my account.
Product: Checking or savings account

Previously, I opened a secured credit line with Capital One : On my credit card and also on my account, the name associated with the account is XXXX XXXX XXXX. I am XXXX XXXX XXXX. 

Therefore, a week an half ago, I opened a checking account. I told them that I noticed that my account said XXXX XXXX. There are at least XXXX XXXX XXXX in the world, and my father is XXXX XXXX XXXX, and He also goes by XXXX XXXX. 

Do you the problem? As I wish that my debit card and my account information state XXXX XXXX XXXX like my credit card with capital one. 

I wish to know why my debit card states XXXX XXXX when I am XXXX XXXX XXXX. Also, I wish to change it to XXXX XXXX XXXX, and I told Capital One the same story. 

Thank You.
Product: Credit reporting

I originally disputed the BALANCE on my auto loan for XXXX, it had been reporting incorrectly for a few months. I am trying to buy a house and TransUnion came back with their dispute results and the account was deleted from my credit report. I contacted them and they advised me that my creditor told them to delete it. I know this NOT to be true as I had already contacted XXXX, XXXX, the VP of the company advised me they had received NOTHING from TransUnion in regards to ANY DISPUTES. I called TransUnion back and they told me there is nothing they can do but the creditor can call. XXXX called and spoke with XXXX separate representatives and BOTH advised her she COULD NOT do anything only I could. This had been the MOST difficult time and the most horrible customer service for something TransUnion deleted ILLEGALLY.
Product: Debt collection

Telerecovery is attempting to collect a debt I received a collection notification from this company in regards to doing business with XXXX XXXX XXXX the amount of {$1500.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; NO CONSENT FROM CONSUMER OR NOTIFICATION ALERTING THE CONSUMER OF transfer of ownership. FCRA 804 prohibits this company from communication through interstate commerce ( 2 ) not state that such consumer owes any debt ; this is a direct violation under this sub chapter. It clearly states in the Fair Debt Collections Practice Act ( FDCPA ) section 807 ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. I, the consumer gave security interest in principal balance which means the security interest was provided for the individual to secure the obligation. It is according to the provisions and sub chapters of 15 USC 1692d ( 4 ) ( 1 ) to collect or attempt to collect any extension of credit. 15 USC 6802 obligations with respect to disclosure of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ;
Product: Debt collection

Certified letters including police reports were mailed and received by XXXX XXXX/Resurgent Capital Services on  XX/XX/XXXX @ XXXX hours,XX/XX/XXXX @ XXXX hours, and XX/XX/XXXX @ XXXX hours. XXXX XXXX XXXX agency also received a certified letter on XX/XX/XXXX @ XXXX hours requesting validation of several accounts that were established without my knowledge and consent due to identity theft. Both XXXX XXXX/Resurgent Capital Services and XXXX XXXX XXXX agencies have NOT been able to provide proper debt validation according to the FCRA guidelines within the 30 day time frame.
Product: Debt collection

on XXXX/XXXX/15 my husband and I attempted to make a purchase through my US Bank credit card for {$8000.00}. US Bank did not pay the {$8000.00} to the business. We were contacted within a few days by the business owner and we were told that US Bank did not pay the $ XXXX and that we needed to pay him. On XXXX/XXXX/15 we paid the $ XXXX by making a direct deposit to the business owner 's bank account. US Bank subsequently charged the $ XXXX to my credit card on XXXX/XXXX/15 after we had already paid the business owner. The business owner never received the $ XXXX from US Bank. After receiving my billing statement and realizing that US Bank charged me the $ XXXX, I called US Bank and disputed the charge. They told me I needed to provide verification that I had paid the $ XXXX. I provided the direct deposit receipt for $ XXXX showing that the money had been deposited into the business owner 's bank account. U.S. Bank has not removed the charge from my account and is now charging me interest and harassing me about payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

I am an attorney in New Jersey. I sold a home and the proceeds were wired into my Attorney Trust Account on XX/XX/18. Once the wire posted, I wrote a check from my attorney trust account to myself and went to my local Chase branch to deposit it into my personal account. The teller told me it would be a 2 day hold. I said " Fine '' and deposited the check. On the day the hold was to be released, I get an email from Chase saying that they were going to hold it an additional 8 days. I went to the Chase branch who then had to call me back once the manager returned. Manager said she could not do anything. I asked to give me the check back, but they said that they could not do that. They escalated the problem to their corporate help line, but they said that they would not clear it nor give me my check back. The only reason for the hold was that the check amount was large. As a lawyer, if I bounce an trust account check, I would lose my law license and go to jail. 
I have completed thousands of real estate closings and never had a proceeds check held for a week and a half. If that was to be the case, I would have wired the money. I believe that they are only holding the check to take advantage of using the interest free money for 10 days.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> ( XX/XX/year> ) XXXX XXXX XXXX  ran a XXXX inquiry for a home loan without my authorization. I was told by XXXX XXXX several times in writing that her company WILL NOT run a Hard inquiry until we had finalized the loan, her company runs soft credit checks to gather information. 

I filled out a VA home loan request in which XXXX XXXX XXXX ran a hard inquiry for an FHA loan, then her company ran my credit again making that XXXX hard credit pulls without ANY authorization! I was told by XXXX XXXX she would have those hard inquiries removed and she never did. 

I requested a copy of the report her company pulled, and she refused to send me that information as well as refusing to give me the rates for the FHA loan her company put together when she ran my credit for the first time without authorization. 

I had a co-worker recommend XXXX XXXX XXXX  to me because he used this company for his XXXX XXXXXXXX loan. I was told by XXXX XXXX XXXX  they had ran my credit. I was very upset, I told them I was VERY upset and told them I was busy, I would call them back when I got off the phone with the VA. 

During that time XXXX XXXX discussed MY Home Loan information, my details, my credit worthiness and personal information with my co-worker again without my authorization. Then this company told me to go with another mortgage company and refused to assist me anymore after they had violated my trust, my private personal information and hurt my credit. 

I am requesting that the Hard inquires on Equifax, XXXX, and XXXX be removed from my credit report for the following reasons : XXXX. This hard inquiry was Unauthorized. 
XXXX. This company gave out personal information to a third party without authorization. 
XXXX. This company refused to give me the results of the inquiry. 
XXXX. XXXX XXXX XXXX  refused to remove hard inquires from All three ( XXXX ) credit bureaus when requested. 

A. 1 inquiry on XXXX XX/XX/year>XXXX XXXX XXXX XXXXnquiry on Equifax XX/XX/year> XXXX XXXX inquiry on Equifax XXXX XX/XX/year> XXXX XXXX inquiries on XXXX XX/XX/year>, XX/XX/year> I have requested the XXXX and mortgage information 7 times with XXXX XXXX, and she has refused or given an excuse every time. She has not given me the numbers they ran that day. 

To qualify for a VA XXXX XXXX I needed a credit score of XXXX, I had the credit score, even if I didn't qualify for a XXXX XXXX XXXX XXXX  XXXX  should have contacted me so I could have authorized a hard pull on my credit to see if I wanted to use a FHA XXXX and give up all the benefit 's XXXX XXXX XXXXXXXX has to offer and to give up what I fought hard to earn. I didn't suffer in XXXX to have my XXXX loan thrown aside because your employee made a mistake, XXXX XXXX XXXXXXXX is a lot better than a FHA XXXX. It just doesn't make sense what your company tried to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint is with Amazon store card, Synchony Bank. I reported that somebody has charged over {$500.00} on my card. They started an investagation and cancaled the card. Then they sent me another one. This was 2 months ago they said that I wasn't responsable for the charges. Then over 60 days later they sent me an overdue bill for {$350.00} so I called them and said that you didnt finish the fraud charges and I recieved overdue another bill. I did not make the charges.They need to find out who did it and stop hounding me for it. I did not make the Amazon charges.
Product: Debt collection

The complaint includes Reinserted previously deleted information, account terms, account status
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of and delete these immediately : DPT EXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX aka XXXX XXXX XXXX has garnished their amount for the loan out of my banking account. The amount of the loan as per my credit report is {$3700.00}. On XX/XX/XXXX my bank received a garnishment letter in which the debt collector took {$5000.00} from me after I had already paid in {$3000.00} right before the garnishment. So in total now I have paid in over {$8000.00} well over the amount of the loan {$3700.00}. This should be marked PAID OR REMOVED FROM MY CREDIT REPORT! I have tried over and over to work with this company and they will not!
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. 

XXXX XXXX XXXX Card : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX XXXXXXXX : # 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 an 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 reporting, credit repair services, or other personal consumer reports

Disputed address with Experian, never lived there, instead of deleting they Updated it! 
its the same address. Report Number : XXXX Date Generated : XX/XX/XXXX What was the method of verification? 
I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.
Product: Debt collection

XX/XX/XXXX spoke with them several time explained situation and told them my next pay day left a message on my phone with them calling me a XXXX tried to speak with a manager he hung up on me trying to handle situation my bank account had fraud over the weekend told him when I could handle this matter would like to handle matter but insultins will not be acceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection XXXX XXXX XXXX XXXX  for months.XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Debt collection

Regarding : Medical Bill For I mailed a Hippa Debt Validation letter to this company on XX/XX/XXXX and in return I received a letter dated on XX/XX/XXXX ONLY for two pages of my outpatient discharge claim. Which has all of my medical information on it and my medical procedure. I asked for the following documents below within 30 days and due to this company violating my HIPPA rights as a patient. The following below is what I asked for in writing to XXXX XXXX company listed below. It was not received within the 30 days which is a law by the FCRA and I demand this company no longer collect this debt. This company has tons of complaints and issues online for violating Hippa rights. Please Remove this debt ASAP from this company and send me correspondence at a timely manner. Listed below is all the information I requested from this company and was not sent to me. I have proof of the letter and also copies of everything. 
__________________________________________________________________________________ Validation of Debt and HIPAA authorization ( Items I requested in XXXX ) -Please provide breakdown of ALL fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you a collection agency -Cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt In 30 days due to the FCRA Law. I did not give this company authority to have my medical records from my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue is with experian with XXXX XXXX XXXX. I have report fraud to experian and advise XXXX  XXXX XXXX this is not my account.
Product: Debt collection

This is the third time that thes people have processed my payments incorrectly I have advised XXXX XXXX -XXXX on several accasions to please have his people process the payments as I have set them up as ... ..They have caused me {$100.00} in overdraft fees by processing my payment early as per my conformation number XXXX with one of their customer service people. 

Please help me Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  ; account XXXX XXXX XXXX XXXX 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 an account without my written instructions I have sent multiple letters and emails ; also called both companies and exampled to them that this account is not mine. By this account reporting false information on my credit report, it has caused lenders to refused applications ; which put my business in a financial deficit. Please assist me with this issue by removing is fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX, XXXX, and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. The 3 credit Bureaus has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that TransUnion is incorrectly reporting my debt to income ratio, and when I called them to understand how they were calculating that number ( because I never once gave them my income earnings ) they avoided the question and hung up on me. I called them at XXXX Eastern time on XX/XX/2022 if you would like to review the call.
Product: Debt collection

LInebarger Goggan Blair & Sampson LLP repeatedly attempt to collect on a debt for XXXX XXXX  XXXX that I have proven repeatedly was discharged in a bankruptcy. I have certified mailed them the bankruptcy documents repeatedly, beginning late 2016, when they first attempted to collect on this discharged debt. Also, at that time, they were not licensed to operate in New Mexico. They are again attempting to collect on this debt, calling it a Notice of liability, claiming to collect for the XXXX XXXX XXXX. They are harassing me, and threatening to put this on my credit report as a valid debt ; all the threats they previously made.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is not my address. I 've never lived in XXXX. 

My current address is XXXX XXXX XXXX XXXX, XXXX XXXX. I 've lived at this address for 10 yrs. please remove the XXXX address from my credit report. Thank you.
Product: Debt collection

A company by the name of Aargon Collection Agency is reporting a balance of {$2300.00} for a hospital bill that does not belong to me. I sent them a letter asking them for signed hospital documents for this debt since I have health insurance and they send me a print out with nonsense data and numbers that I can't understand yet no signed documents by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One NA XXXX, XXXX XXXX XXXX XXXX XXXX, Utah. XXXX ( XXXX ) XXXX In regard to the company listed above, Capital One is reporting hard inquiries to my credit report each month which can be seen on my personal credit report from XXXX credit bureau. I do understand that I have a debt in collections as a " charge off '' with this company, however, I have not been making any inquires or contact whatsoever to this company which were reported on : XX/XX/XXXX- states " Reason Unspecified '' - address ID # XXXX XX/XX/XXXX -states " Reason Unspecified '' - address ID # XXXX XX/XX/XXXX -- states " Reason Unspecified '' - address ID # none available Capital One continues to make monthly hard inquiries account. I understand that the personal debt with this company also affects my credit report, But I have not had any contact with this agency in over 180 in order it for it to legally become a " charge off ''. I do acknowledge the last contact with this agency in regard to Capital One Auto Finance on XX/XX/XXXX, which is subject to be removed from my credit report until XX/XX/XXXX. However, I did not legally authorize or give any consent for Capital One to keep running Hard inquiries on my credit report which are listed above. Every month, of the year ; I receive 12 hard inquiries from Capital One
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate 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 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