23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

One main financial has failed to comply with their agreement. I was told on a previous loan before refinancing to have additional purchases such as *if something were to happen* and I did. I put in a hardship XXXX weeks ago and called and they are just now returning my call requesting money for a missed payment XX/XX/2023 Prior to the missed payment I have tried to contact the XXXXXXXX XXXX  office. XXXX hung up on me during the conversation and I attempted to call back and she stated the XXXX will call back and a later time and hung up once more. Its so unfortunate that these XXXX XXXX  companies have employees that lie and are distasteful to deal with.
Product: Debt collection

On XXXX XXXX, XXXX, I received a letter from a debt collection agency, Mark Kirkorsky P.C. Law Office of XXXX XXXX ( XXXX ), it claimed that I was liable to XXXX XXXX XXXX ( XXXX ) for a non payment of a service XX/XX/XXXX. XX/XX/XXXX, I was a property manager and managed a rental home for my client at XXXX XXXX XXXX XXXX XXXX XXXX CA. We had a XXXX XXXX XXXX XXXX to do all the appliances repairs. I filed a claim through the home warranty company and XXXX approved the claim and authorized, hired XXXX XXXX XXXX XXXX and did the service. On XX/XX/XXXX, I received a phone call from Mark Kirkorsky Law Office ( XXXX, XXXX XXXX ) and said I owe {$290.00} to General Appliances XXXX. I was shocked regarding such a phone call. After I did some investigation, I have learned the XXXX had billing issue with the home warranty company and finally they turned the bill to the collection agency. However, Law Office of Mark A. Kirkorsky PC does not right to pursue me to pay them on the service for these reasons : 1 ) I did not hire them for the service and I did not have service contract with them. They were hired by the warranty company and they had contract with home warranty company ; 2 ) I was not a home owner or landlord on that property. I was a property manager at that time. I was not a beneficary for that service. The debt is not mine. I am very concerned about this debt collection agency that they did not fully verify information before sent out collection letter and they made harrassment phone call to me. The unpaid bill was involved with home warranty company and billing collection problems between warranty company and service provider XXXX XXXX XXXX XXXX XXXX. They should not get the property manager involved and liable for non payment. The debt collection should sue and get judgment from XXXX XXXX XXXX XXXX but not me, a property manager.nstead, I never authorized the service contract and never hired the service company myself. We used XXXX XXXX XXXX to cover our repairs and expected XXXX XXXX XXXX to take care of the bill. The debt collector chases the wrong party.
Product: Credit reporting or other personal consumer reports

I have 3 unauthorized credit inquiries on my XXXX report as of XX/XX/2023 : XXXX XXXX XXXX [ XXXX ] TD Auto Finance [ XXXX ] XXXX XXXX XXXX [ XXXX ] I called the respective above numbers as seen in my credit report to enquire the reason for the inquiry. However, they kept redirecting me to another department and they could not find this hard inquiry in their record checked using my SSN. Some of the creditors were unreachable as well despite I made multiple attempts to connect with them.
Product: Mortgage

My wife had set up auto-pay for our mortgage but there was an issue as we opened an additional savings and checking account to manage our money. We missed 2 mortgage payments. Upon discovering the error, we paid those two and our current months all at once. We are fortunate to have no difficulty paying our mortgage. In the process multiple payment reversals were accrued because the autopay account was insufficiently funded. In XXXX I also did a the mortgage payment manually on the website because there was no pending payment alert or anything signifying our new auto-pay has been implemented properly. The company treated it as a double payment, with the second one reversing. They informed us that 3 reversals means we must not give payment via ceritifed check. Despite my protests on the phone, the customer service rep ( who acknowledged that because it was a double payment reversal that we should be allowed to pay online still but that he was unable to change it ) said that I should submit payment this way a few times and then check back. I sent a cashier 's check via XXXX XXXX to the address provided. That paymeny was initiated on XX/XX/XXXX, and sent the following day XX/XX/XXXX. Payment was posted XX/XX/XXXX on my United Wholesale Mortgage account. I then received a notice saying that my payment was sent to the wrong place and therefore they had difficulty posting it ( However, it was posted within 24 hours of the check delivery, did not reference the loan & the original notice did not supply any of these directions ) and that I must mail my payment to a new address, a po box . Payment services like bank certified check delivery do not deliver to po box es. I have attempted to call UWM and their lines are down due to a technical error. I have attemped to reach them via customer service chat which is also experiencing technical errors. I believe that this is predatory and harrassing behavior because they would like to make fees off of late payments penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. under 15usc 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 604 also states that a consumer agency can not funish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX. These accounts have both violated my rights and I need my accounts to show the remarks as current. The next step is reporting to the local Attorney General of Texas.
Product: Checking or savings account

I deposited a check for {$5000.00} on    XXXX   XXXX  , 2017 and the che ck was deposited into my account. When I tried to withdraw the money I was told my account was being closed for expected fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 My son XXXX XXXX contacted his auto loan holder Capital One Auto Finance to inquire of options to help him keep his account current and in good standing. He knew he would have difficulty making his XXXX payment. When he spoke with Capital One Auto Finance representative she suggested a " catch up plan '', this plan would take XXXX payment and spread it out over three months to keep his account in " good standing '' and that his vehicle would not be in jeopardy of repossession providing he made his payments as agreed. With this arrangement he made his payments as agreed. What the representative failed to do disclose was that this arrangement would be reported negatively on his credit, and my credit since I am the co-signer. The representative did not read a disclosure, and when I called to dispute this reporting I was informed that the company has no disclosure stating such to read or share with the consumer. I have disputed this reporting on XXXX  with no resolution. I believe that this negative reporting should be removed due to the failure to properly notify the consumer. Capital One Auto Finance 's own policy lacks the forthcoming information necessary to comply with the Fair Credit Reporting Act due to no disclosure. I also feel that this is a contradiction to the Good Faith requirement between lender and borrower.
Product: Debt collection

Called debt collect to inquire about my debt, told me they could not take payment or discuss debt due to a lawsuit that I have not been served for. Told them I was in the middle of moving and unable to give new address, told me they are going to XXXX  me.
Product: Debt collection

I reached out and sent request to verify debt. I haven't received any information regarding thuis matter. I also dispute it with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a serious problem when it comes to verify my identity and public records due to having XXXX LexisNexis consumer files, split files, missing and incorrect information. 
I have only had XXXX TAX ID 's which are : My Individual TaxPayer Identification Number ( ITIN ) My Social Security Number ( SSN ). 

However with LexisNexis I have found multiple LexisNexis reports when I requested my public record disclosure report, multiple SSN attached to my phone number, multiple incorrect SSN, multiple incorrect name variations, and multiple old addresses preventing me from being authenticated or verified. 

So far I have found the followings XXXX 's linked with my personal information : - LexID # XXXX : XXXX - LexID # XXXX : XXXX - LexID # XXXX : XXXX - LexID # XXXX : XXXX - LexID # XXXX : XXXX - LexID # XXXX : ... ... ... .... XXXX ( only last XXXX digits available to me ) - LexID # XXXX : ... ... ... .... XXXX ( only last XXXX digits available to me ) - LexID # XXXX : ... ... ... .... XXXX ( only last XXXX digits available to me ) - LexID # XXXX : ... ... ... .... XXXX ( only last XXXX digits available to me ) The following last XXXX digits of XXXX have being incorrectly associated to me and linked to my phone number XXXX : - XXXX ( incorrect SSN ) - XXXX ( incorrect SSN ) - XXXX ( incorrect SSN ) - XXXX ( incorrect SSN ) - XXXX ( incorrect SSN ) Please check if there is any other information associated to my phone number and remove it. 

The following should be the only SSN attached to me and my phone number : - Last XXXX SSN : XXXX ( CORRECT SSN ) For the missing information at some point I was able to see my Pilot licenses but as of now I do not see my PILOT LICENSE from the XXXX XXXX XXXX ( XXXX ), and my DRIVER LICENSE information from the Department of Motor Vehicle ( DMV ) records on my LexisNexis report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX TransUnion Disputes Information XXXX Dear Transunion I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX. XXXX - Account # XXXX Delete this account because you are inaccurately reporting : the date of the last activity, the high balance amount, date opened and more. Please see the attached Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX
Product: Credit reporting

Found a charge off on my credit report from XXXX. there was no specified amount that was charged off. Sent a certified letter on XXXX XXXX and it was signed for on XXXX XXXX. In this letter, I I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. I receieved no response at all, nor did they mark the account disputed per the latest credit report from experian. I sent a follow up letter even though they had already broken the law on XXXX XXXX and it was signed for on XXXX XXXX with still no response
Product: Debt collection

I show on my credit report an alleged debt for XXXX XXXXXXXX XXXX a company I have never worked with. The amount of the debt is showing as {$430.00}.
Product: Credit card

I was billed for a purchase I did not sign for. I submitted an itemized receipt from the vendor and pointed out the purchase I did not authorize, and the vendor was unable to provide the receipt and the credit card company still did not refund the amount.
Product: Debt collection

CRA violation no knowledge of the fraudulent accounts appeared on my Equifax credit report. FTC ID Theft report # XXXX
Product: Debt collection

I received a collection letter for traffic citation from XXXX, XXXX. Date of citation is XX/XX/2018. 
Amount of XXXX . 
I was traveling to XXXX at that time and did rent the car. 
I never received any tickets when I was in XXXX. I never received any letters from police afterward. I never was stopped by traffic police while I was there. 
The collection letter came from the company from California. 
Cedars business services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
I did call them and did not have any reasonable explanation about this collection. 
The person on the phone told me that I have to pay. Did not give me any details or provide any documentation. 
I feel that I am dealing with a fraud.
Product: Bank account or service

I am filing a complaint against TD Bank. I opened XXXX new accounts with the help of customer service. The accounts are as follows XXXX and XXXX. I am a regular customer and I deposit cash to my accounts. I have deposited CASH in worth XXXX of dollars in the past. TD Bank did nothing to protect my cash investments. I was treated in an unprofessional manner by lower level people from customer service and from the XXXX XXXX XXXX XXXX, NY XXXX location. One representative stated that they can pick who they do business with at the lower level. She stated it is her right to discriminate against people as she sees fit.
Product: Credit reporting or other personal consumer reports

XXXX is currently reporting an inaccurate account One Main Financial account # XXXX with a charged off status on my credit report with a balance of {$3000.00} and high balance of XXXX In accordance with the provisions of USC 1681 ( e ) and USC 1681 ( i ) This is a violation of my rights as a consumer and this must be deleted immediately.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. ( XXXX XXXX ) XXXX asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was 30 days late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report.
Product: Checking or savings account

I was not going to complain about this but it irritates me because we were told what document we need to bring the first time we went to this Citibank XXXX in XXXX. We were trying to get a XXXX card for my XXXX  and we were told that the only thing the bank need is a passport. So we drove back to this branch and brought my daughter passport. A new bank personnel helped us the second time and we were told that we need passport, birth certificate and SS #. This bank personnel didn't even asked or offered what other solution can be provided, didn't asked if my daughter has an account or what account we have with them. We were a Citibank customer since XXXX. XXXX XXXX who I believed is the XXXX in that branch the first time was really helpful and he told us just to bring the passport so he can process the XXXX  card for my daughter. This new bank personnel that helped us is horrible, she is a reason why Citibank have a lot of complaints. I just hope the bank personnel should asked, find alternative solution first before telling the client I can't process your request because you are missing some documents.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent XXXX a letter saying : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : Recently I looked at a copy of my credit report and noticed some inaccurately reporting information in the personal information section. To diminish speculation, my information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone Number : XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY ADDRESSES ARE WRONG. MY EMPLOYER IS WRONG. I HAVE NEVER WORKED FOR XXXX. THIS IS MAKING IT IMPOSSIBLE TO VIEW MY CREDIT REPORTS ONLINE, BECAUSE YOU ASK FOR VERIFICATION AND I HAVE NEVER WORKED AT XXXX. 

Once the incorrect information has been deleted, please send me a copy of my new credit report. 

Thank you in advance, XXXX XXXX Since I did not hear back from XXXX, on XX/XX/XXXX I checked my credit report and saw the same incorrect information reporting on my credit report. 

On XX/XX/XXXX I sent the letter stating : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : I received your letter dated XX/XX/XXXX requesting for more verification of my identity. It is enclosed along with this letter. Once again, I recently I looked at a copy of my credit report and noticed some inaccurately reporting information in the personal information section. To diminish speculation my information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone Number : XXXX Employer : I am a Student at XXXX XXXX XXXXXXXX XXXX MY ADDRESSES ARE WRONG. MY EMPLOYER IS WRONG. I HAVE NEVER WORKED FOR XXXX. THIS IS MAKING IT IMPOSSIBLE TO VIEW MY CREDIT REPORTS ONLINE, BECAUSE YOU ASK FOR VERIFICATION AND I HAVE NEVER WORKED AT XXXX. 

Once the incorrect information has been deleted, please send me a copy of my new credit report. 

Thank you in advance, XXXX XXXX On XX/XX/XXXX I received a letter from XXXX not addressing my concerns at all and instead talking about my " concerns about fraud '' which was not the issue. 

I still to this date have inaccurately reporting information on my XXXX credit report. I sent in a letter on XX/XX/XXXX asking them yet again to rectify the information on my credit report ( my phone number, address, employer, etc. ) I will include the certified mail receipts for all correspondence sent on my behalf. 

I still have not received an accurate credit report from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Experian send a VALID copy of a permissible permission that could be justified to access my credit report on XX/XX/XXXX. The latest complaint was # XXXX, XX/XX/XXXX, just 8 days ago. However, Experian refuses to send because we both know it doesnt exist and Experian will not own up. Experian continues and repeatedly replies This complaint appears to be a duplicate of a complaint we've already received. We've included a reference to this complaint on that record. Experian dodges liability.
Product: Checking or savings account

I have been a customer for over 3 years with Chime and I have had nothing but positive things to say about the financial services Chime offered me. I have even recommended several people to them that have opened accounts with Chime. However, on XX/XX/16 they froze my account, an account that had over $ XXXX dollars in it. 
Since XXXX I made the decision to purchase a house and have been transferring funds over to my Chime account in preparations for closing day, which was ( XX/XX/16 ) yesterday, when my account was frozen. Because of their action against me, I was not able to continue with the purchase of my home. Which has left me and my family possibly homeless.
Product: Credit card

I supplied Discover with the proper payment coupons to pay and clear the DEBTS that I owed. These companies have REFUSED to accept these payment coupons as PAYMENT by not applying them properly to the accounts I had to clear the amounts I owed. And also have REFUSED to RETURN them to me as I requested if they ( payment coupons ) was not accepted as payment. This action by these companies have HARMED my credit report and score with ALL 3 credit bureaus.
Product: Mortgage

My former husband and I took out a home equity line of credit, or XXXX mortgage, with Washington Mutual in XX/XX/XXXX. The interest rate was a variable rate of the Prime Rate plus 0 %, and the monthly payments were interest-only payments. We made these payments for years, on time, every month. With the financial crisis in XX/XX/XXXX-XX/XX/XXXX, Chase ( JPMorganChase ) apparently swallowed up Washington Mutual and took over our helc. Chase then cheated us by unilaterally changing our variable interest rate from Prime + 0 % to a fixed rate of 3.25 %. Chase billed us at this erroneous interest rate every month and we paid hundreds of dollars in interest to Chase every month throughout XX/XX/XXXX. I have all of the old statements. Because the Prime Rate has been at close to 0 % for much if not all of this time, we paid thousands of dollars to Chase over the years which we did not owe the company under the terms of our helc contract. I want a refund of all of this money. 
I believe that Chase is guilty of fraud, and that its employees are currently actively covering up this fraudulent act. I have brought this issue to Chase several times, only to be sent a copy of my contract, and to be told that they were researching the issue and would get back to me. I have received a letter this year, which is full of gobbledygook about my helc, and does not even address my complaint about this fraudulent change in the contract term. They will not refer me to their legal department ; they just engage in subterfuge. And they continued to bill me at the erroneous rate of 3.25 %, despite the clear evidence of the contract. Now they have raised the interest rate to 3.5 % fixed, again, completely unilaterally. I would guess that there were many Washington Mutual customers whose mortgages were altered by Chase, and that you have seen similar complaints before.
Product: Credit card

I hired a law firm to help me with some of my credit issues. I have an account with XXXX XXXX and the law firm that I hired confirmed that the last time I made any payment was in XXXX of XXXX. According to my attorney, this account is past the Statute of Limitations and also past the reporting period for accounts to be reported on a persons credit report. They first sent out a letter via fax to inform them of what my attorneys stance was on XXXX XXXX XXXX. On XXXX XXXX XXXX I checked my credit report and the XXXX XXXX account still remains on my credit report. On XXXX XXXX XXXX, my attorney 's office called XXXX XXXX to follow up on the letter that they had sent. XXXX XXXX stated that they will continue to report it to the Credit Bureaus because the time started when the account was charged off in XXXX and not when I made my last payment in XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX