23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

3rd complaint regarding this company. We are still trying to get our money from this company to continue repairs on our house. There is only approx. $ XXXX left to disperse and they will not use common sense in releasing this. A total of $ XXXX was paid by insurance. This only covers about 60 % of the repairs. This is why we need all the money sent to us. What is the benefit of nickel and diming us over the final $ XXXX. The house is obviously being repaired, as 2 inspections and hundreds of photos and invoices have shown this. The first complaint a response was received stating Should you have any questions regarding this matter, please contact me at XXXX-XXXX-XXXX. Sincerely, XXXX XXXX XXXX XXXX Executive Resolution Analyst Enclosures. We have attempted to contact this person with little to no success. Return calls are promised but not returned. A supervisor will call in 24-48hrs. Never happens. We have wasted dozens of hours trying to deal with these people and its like trying to reason with a first grader. Stop making the process so difficult, act professional, and at a minimum follow through with your promises. Give us our XXXX money!
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} 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
Product: Credit reporting or other personal consumer reports

Kindly update my account this causing me a lot of stress and anxiety.
Product: Debt collection

I am XXXX veteran and told hospitals that they would be paid by VA I gave them my member ID # XXXX & SS # XXXX as well as address to submit their claims. Now after years I see they are all listed on my credit report.Causing extra Fin cost on every thing.I served and paid the price. Hope you can help me I would be very grateful. XXXX Vet. XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!
Product: Credit card or prepaid card

I responded to a 0 % introductory credit card offer by mail from U.S.A.A Credit Union and was approved and accepted the credit card. Then I called back to inquire about additional 0 % credit card offers. The representative advised that I qualify for another offer which i took advantage of that one as well. I was led to believe that this was another 0 % card offering. I received my statement for both cards then I noticed that one of the cards had an interest rate of 21.15 % and had fees due in the amount of {$140.00} for interest charges based on the account activity. I was shocked when I opened my statement and saw these charges. I immediately called the U.S.A.A to discuss this. The process of dealing with these type of concerns was extremely complex and confusing. I spoke with a number of managers including XXXX on XX/XX/2018, XXXX XXXX, XXXX a Sr. Bank Analyst in the executive resolution department. I spent hour after hour on the phone trying to get this issue resolved. I requested that the credit union provide proof to me that the 21.15 % interest rate was disclosed to me during the telephone application process, and if the call was recorded. I finally received a phone called from a technical writer within the credit union advising that there was not a record of the phone call in which the application was taken so therefore it is Not an error on their part. The technical writer in which I do not recall her name also stated that the interest rate would have been disclosed during the balance transfer online process. I advised that the balance transfer that took place on my account was initiated by a third party ( my wife ), therefore disclosures were not where her emphasis would have been, she was just following my instructions to initiate the transfers in which I had already advised her that it was a 0 % intro rate to my knowledge. The technical writer
Product: Checking or savings account

On XX/XX/XXXX I went to XXXX after speaking to loss and prevention on the phone to confirm that I was able to open an account with XXXX since back in XXXX I did have an account close due to fraud. The gentleman that I spoke to stated that the accounts were closed and no account was active so I could walk into any Chase Bank branch and open a new account. I went to the local branch in XXXX XXXX XXXX, NV on the corner of XXXX and XXXX XXXX. spoke with XXXX XXXX who opened a new checking account for me. I placed over XXXX in the account over the weekend and on sunday XX/XX/XXXX I went to check my account balance from the weekend to find out I was locked out of online access. I called the number on the screen only to be informed that XXXX had decided to end our banking relationship without reason and I would not get MY money until they seemed fit. I again called on XX/XX/XXXX to the same department and was told it was possible for the branch to release the funds if they had the staff but after some department reviewed the account was told this was not possible. Now XXXX has over XXXX of my money, I am left without any funds to feed my children, get food, gas, or emergancy funds if something were to happen since I moved all my money to this bank and they on no reason decided it was no longer MY hard earned money and it was theirs to do at will with and play with peoples lives. The only thing I did was wire money as I was told by the banker was the quickest was over multiple times and for that I feel I am being wrongfully punished by this bank, my children are being neglectied their right for food and a way to get to school since I can not provide gas in my vehicle as of now .. This has to be stopped. These people are wrong to be messing with peoples lives.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquiry From XX/XX/XXXX ( Miscellaneous Reptg. Agencies ) XXXX XXXX Inquiry From XX/XX/XXXX XXXX Personal Loans Cos. ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX ( Auto Financing ) Twice this one is reporting on my credit. 

XXXXXXXX XXXX XXXX  Inquiry From XX/XX/XXXX ( Automobile Dealers ) XXXX Inquiry from XX/XX/XXXX ( National Credit Card Cos. ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX ( Automobile Dealers ) XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

I am filing to formally dispute the inaccurate reporting of a collection account by XXXX XXXX XXXX on my credit report. This account has been incorrectly reported and is adversely affecting my credit score. Despite my efforts to resolve this issue directly with the credit bureaus and XXXX XXXX XXXX, the incorrect information remains on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification from XXXX that the following item has been deleted from my credit report and bylaw under the Under the Fair Credit Reporting Act ( FCRA ), credit bureaus and lenders must ensure that the information they report is accurate and truthful.
Product: Credit reporting or other personal consumer reports

( 15 u.s. Code 1602p ) The term " unauthorized use, '' as used in section 1643 of this title, means a use credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

( 15 USC 1692b ) Not state that such consumer owes any debt ; Analysis a debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another party 's ability to identify him, and the collection laws of his or her state allow the same.

Telling a 3rd party that you owe a debt is illegal! First, it may not be true thus unjustly damaging your reputation and second, it is simply nobody else 's business. 
" XXXX XXXX XXXX '' CAN NOT PROVIDE A CONTRACT PROVING ANY BUSINESS I HAVE DONE WITH THEM. I DO NOT OWE ANY MONEYS TO SAID PARTY.

15US CODE 1692J ( A ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in regards with the Credit Reporting Agencies incompetence and non-compliance with their job and the FCRA regulations. I was frustrated to see that the Credit Bureaus have been doing nothing to correct my Credit Report from erroneous reporting. I have been sending dispute letters to the Credit Bureaus from XX/XX/2022 to XX/XX/2022 requesting that the Credit Bureaus correct the information being reported on my Credit reports and yet they have not responded to my written requests. Is it that hard for the Credit Bureaus to update and correct the information from my Credit file? Every time I take a look at my Credit Report, it is clear that the information being presented are OUTDATED AND INCORRECT which caused misleading of information. For a long time already, the Credit Bureaus have failed to conduct a proper verification of the items and continued reporting! It is just absurd to think about it. The Credit Bureaus were provided by federal law to conduct proper investigation and respond to my letters within the time allotted in which they have failed to do. I am now submitting this complaint to request not the correction nor update but the COMPLETE REMOVAL OF THE DISPUTED ITEMS FROM MY CREDIT FILE : XXXX. XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX. XXXX OF XXXX XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX Balance Owed : {$10000.00}
Product: Credit card

I had a returned payment. I had to re-submit my full statement payment as soon as it got returned and my statement was fully paid. I still got {$7.00} interest for {$290.00} statement that I did make. I do not agree with the interest I got because I made my payment XX/XX/XXXX which is before the closing date of my statement and should have not got the interest charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the exact name and birth date of a Texas XXXX that has a long criminal record, so I'm being turned down from jobs and places to stay due to his criminal record.

I'm a retired federal officer for the XXXX XXXX XXXX XXXX with over 25 years of service including 4 years in the United States XXXX XXXX. 

Your assistance in this matter will greatly be appreciated.
Product: Credit reporting or other personal consumer reports

I uploaded and mailed an Identity Theft report along with a personal handwritten letter pertaining to my complaint pursuant 15 USC 1681 C-2 ( Identity Theft/ Block ) with all required prerequisites for blocking. XXXX claims they did not receive an upload even though the system upload was successful. Several accounts were listed as fraud and XXXX addresses as well as XXXX different social security numbers. This is nothing more than a refusal to comply and a stall tactic. Therefore, I am requesting all accounts identified as fraud related be blocked immediately according to federal law. Trans Union rejected the process to initiate a claim with documentation being received. They stated the information was not sent by me, even with personal handwritten letters. XXXX has extorted all documentation that was included with my packet, including my personal identification such as Social Security Card and Drivers License.
Product: Debt collection

On XXXX XXXX 2017 at XXXX I received a call on my cell phone from XXXX but was not able to answer the call. Later that day, at XXXX, the number called again. This time I answered the phone with my name and the caller asked for XXXX XXXX. I responded that they had dialed the wrong number. They asked if I knew XXXX XXXX and I responded that I did know her ( she is my sister ). The caller said he was from CBE ( or something like that ) and had an important business matter to discuss with XXXX XXXX and he asked me to give him her number. I refused since I have no idea who this person is. After this phone call, I received several other phone calls from these numbers. I received a call from XXXX at XXXX on Saturday, XXXX XXXX 2017 and did not answer it. I received a call from XXXX at XXXX on Monday, XXXX XXXX 2017and was not able to answer it since I am a XXXX XXXX and in class at that time. I received a call from XXXX at XXXX on Monday, XXXX XXXX 2017 and was not able to answer it since I am a XXXX XXXX and in class at that time. I received a call from XXXX at XXXX on Tuesday, XXXX XXXX 2017 and was not able to answer it since I am a XXXX XXXX and in class at that time. I received a call from XXXX at XXXX on Tuesday, XXXX XXXX 2017 and was not able to answer it since I am a XXXX XXXX and in class at that time. I received a call from XXXX at XXXX on Tuesday, XXXX XXXX, 2017. I was able to answer the call. When I answered, the woman asked for XXXX XXXX. I told her This is not XXXX XXXX phone. Please do not call me again. I have already reported your company to the Federal Trade Commission
Product: Debt collection

Debt Recovery Solution is reporting a negative item of collection amount of {$99.00} on my XXXX and XXXX credit reports. Date reported opened XX/XX/2018. 

THIS WAS A URGENT CARE VISIT AND THE HOSPITAL NEVER SENT TO MY INSURANCE, WHICH COVERED THE VISIT/SERVICE. 

Debt Recovery Solutions is reporting on my XXXX and XXXX ) credit reports without every notifying me of this debt. My insurance company informed me that the payment was made to XXXX XXXX XXXX and there is not balance outstanding. 

This is inaccurate collection on my credit report is adversely affecting my life ... I have been denied employment, credit from credit cards and mortgage loans, leading to my divorce and extreme medical issues from the stress. 

Please help!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/2021 Balance : {$10000.00} Dispute : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX Revolving Account # XXXX Opened : XX/XX/2021 Balance : {$0.00} Dispute : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX / XXXX XXXX Revolving Account # XXXX Opened : XX/XX/2021 Balance : {$780.00} Dispute : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account.

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that the information you report is accurate and complete. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), consumers are protected from unfair or deceptive practices by debt collectors. I am entitled to an investigation of my dispute and a response within 30 days. Please provide the results of your investigation, along with updated copies of my credit report, to verify that the disputed information has been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sold my debt to XXXX XXXX XXXX XXXX in XXXX of XXXX, on XX/XX/XXXX that same debt was sold to Enhanced Recovery Company who then gave fraudulent information to XXXX  claiming the old debt was new thereby resetting SOL from XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several things on my credit report. Each time TransUnion states they " Have verified the account as mine. '' This includes a collection from XXXX. It is obvious they are not actually validating any of the items of mine. This is clear because one of the items is a collection from XXXX and they are using a collection company called XXXX. I just received a letter from XXXX stating they are unable to locate any account for me. If they have no account for me, how is TransUnion stating they have verified this as mine? Just like the other items I have disputed, they have not verified anything and have violated my rights. I have attached the paperwork from XXXX they sent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comentiy Bank/Bread Financial has failed to submit updates to all three credit bureaus since XX/XX/2022. I have made on-time monthly payments since XXXX, even with the system outage, and those payments are not being reported. My credit limit was increased and that has not been reported either. I brought this to the attention of the company 's customer service in XXXX, but not only did it go ignored, but they also directed me to reach out to the bureaus myself. It is not the responsibility of the consumer to report their own accounts to the credit bureaus so clearly there is a disconnect somewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fare credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15USC1681. 
Account name Transunion, XXXX, XXXX have violated my rights. 
15USC1681 section 602A states that I have the right to privacy.

15USC1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15USC1681C. ( A ) ( 5 ) section states no consumer reporting agency will make any consumer report containing any of the following items of information, any other adverse items of information other than records of conviction of crime which antidate the reporting by more than 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Product: Student loan

I was sent a notice on XXXX XXXX, XXXX by Fedloan Servicing advising me to send my recertification paperwork ( income and tax information ) by XXXX XXXX, XXXX for my upcoming payment plan for the next year. I sent the required information on XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX I called Fedloan Servicing and asked when it would be processed. I was told that the application would not be processed until after my XXXX payment was sent out. 

I was told that their policy was not to process the application until the XXXX payment was sent out despite having all the information to make a determination now. I advised that waiting until the last minute to process could result in further delays thus forcing me to have to use deferment and forbearance months if something is wrong with the application. 
I was told by Fedloan Servicing that this is their policy. After pushing, I was then told that it is Federal Policy. I asked for the Federal Law stating such and was met with silence. 

I would like my application processed within a reasonable amount of time. Waiting until the very end of my current plan is unacceptable and opens the door to a forbearance ( capitalized interest ) or deferment issue.
Product: Debt collection

I settled with Convergent Outsourcing for a phone bill. I did not recognize the debt but paid to have it deleted from my credit report. They list it as paid, but they have not deleted it.