23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I contacted all XXXX credit report agencies -Experian , XXXX , and XXXX regarding a medical bill ( credit agency : XXXX for originally {$290.00} ) that is not mine and that I have no recollection of it. After the investigation by the credit reporting agencies, XXXX and XXXX both removed claim/charge from my report, except Experian. Experian stated by telephone and through mail that the claim is valid. When I asked how it was valid, they could not explain. I have asked XXXX different representatives, by telephone, how the claim is vaild and no one could provide me a " valid '' answer, except that " it 's valid ''. I made this dispute 3 times through Experian. Also, the original claim/charge from the credit agency was {$290.00}, but it is now {$310.00} because the credit agency claims that there is daily or monthly interests that will continue to be added until it is paid. When I explained to Experian that how could they allow the credit agency to continue to add interest to the account, when in the state of MD, interest from credit agencies on medical claims is illegal. One Experian represented stated that they have no control over that. I then stated that now the claim is invalid and now illegal because they are also charging interest on an original claim that was first displaying {$290.00}. I would like for Experian to show proof that I owe this claim since they claim it is " valid '', what proof did they receive the credit agency to claim such validity, and why are they allowing a company to keep reporting interest on a claim to them. I would like it removed my credit report, as I have no recollection of this charge being mine.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Product: Credit reporting or other personal consumer reports

My personal information was exposed in a data breach. These accounts listed do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To Whom It May Concern - I had some medical bills with XXXX XXXX that were put into collections with XXXX XXXX. I paid the balance in full and the accounts are still on my credit report. I am in the process of purchasing a home for me and my daughter and this is presenting an obstacle. I'd like these removed from my credit. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax Consumer Dispute Center, I am writing to address a concerning issue regarding the handling of a dispute regarding identity theft inquiries on my credit report. I have raised this matter with Equifax on two separate occasions, yet the inquiries remain unresolved, significantly impacting my ability to obtain credit and manage my financial affairs. 

IDENTITY THEFT INQUIRIES : XXXX XX/XX/XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), Equifax Mortgage Services ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). 

As per the requirements outlined in the Fair Credit Reporting Act ( FCRA ), particularly in Section 611 ( a ) ( 2 ), it is the responsibility of consumer reporting agencies to conduct a reasonable reinvestigation of disputed information upon receiving a consumer 's request. In my case, I have provided Equifax with a valid FTC report detailing the identity theft incidents, along with additional documentation supporting my claim. 

Despite providing all necessary documentation, Equifax has failed to adequately address the disputed identity theft inquiries, citing an " Invalid FTC report '' without providing any explanation for this determination. This response is deeply concerning and does not align with the obligations outlined in the FCRA. 

Under the FCRA, Equifax is mandated to promptly investigate disputed items and ensure the accuracy of information on my credit report. Furthermore, if the disputed inquiries are found to be inaccurate or fraudulent, Equifax is required to remove them from my credit report. 

Given the urgency of this matter and the impact it is having on my financial well-being, I kindly request that Equifax conducts a thorough and proper investigation into the disputed inquiries. I expect Equifax to adhere to its obligations under the FCRA and take immediate action to rectify this situation. 

If Equifax requires any further information or documentation from my end to facilitate the resolution of this dispute, please do not hesitate to contact me at the provided contact information. 

Thank you for your attention to this matter, and I anticipate a prompt and satisfactory resolution. 

Sincerely,
Product: Mortgage

In XXXX my grandmother filed for chapter XXXX bankruptcy. She did not put our home under the bankruptcy and was given a loan modification. This was due to an income change because she had a series of XXXX. She XXXX XXXX in XXXX. Right before she XXXX she was a couple of months behind on her mortgage payments. I contacted the company to resolve the issue and take over the loan. My sister and I applied for a loan modification and it was granted in XXXX of XXXX. When the XXXX payment was to be made the relationship manager assigned to my case do n't send in the payment until further notice because there was a mixup with the paperwork and someone would be in touch with me. The verbal reason I was given after many attempts was that I initiated the payments too early. They then said we skipped steps. I did everything that was asked of me. They then said the debt was discharged in a bankruptcy but the house was n't entered under the bankruptcy. I showed them proof from her lawyer that it was n't. I 've been fighting Ocwen Loan Servicing LLC for the last for years and the company has foreclosed on my home. We 've had this home for over 40 years and I feel there was a predatory scam ran on me to keep the home. We have been at this for years and I just want to retain the home. There was a company that did an initial look into the matter but wanted {$3000.00} with no guarantee of results. The loan amount has gone up to {$150000.00}. XXXX XXXX is the bank that held the loan. We 're raising an XXXX child and teenager and our home is security and stability for the children. When I went to the court to stop the sale the company adjourned the sale and pretended to want to work with me but I had to get in contact with their lawyers to find out that was n't happening. No one contacted me. Every contact was initiated by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX On XX/XX/2019 and XX/XX/2019, I send a request asking the credit bureaus to provide me with their method of verification and description of the procedure used to determine the accuracy and completeness of the disputed account. These letters were sent certified mail and XXXX received the most recent letter on XX/XX/2019. I received a response back from on XX/XX/2019. It was dated XX/XX/2019 and postmarked XX/XX/2019. According to the Fair Credit Reporting Act, XXXX failed to provide this information " no later than 15 days from receiving the request. Included in the attached documents are the letters sent to the credit bureaus, the response from the credit bureau, and the certified mail receipt. 

XXXX  On XX/XX/2019 and XX/XX/2019 I send a request asking the credit bureaus to provide me with their method of verification and description of the procedure used to determine the accuracy and completeness of the disputed account. TransUnion received the most recent letter on XX/XX/2019. I received a response back from on XX/XX/2019. Instead of providing me with the procedure used to determine the accuracy and completeness of the disputed account, I received a letter stating that they will no longer investigate the account. XXXX   failed to provide me with the procedure used to determine the accuracy and completeness of the disputed account. Included in the attached documents are the letters sent to the credit bureaus, the response from the credit bureau, and the certified mail receipt. 

TransUnion On XX/XX/2019 and XX/XX/2019, I send a request asking the credit bureaus to provide me with their method of verification and description of the procedure used to determine the accuracy and completeness of the disputed account. These letters were sent certified mail and TransUnion received the most recent letter on XX/XX/2019. I received a response back from on XX/XX/2019. It was dated XX/XX/2019. According to the Fair Credit Reporting Act, TransUnion failed to provide this information " no later than 15 days from receiving the request. Included in the attached documents are the letters sent to the credit bureaus, the response from the credit bureau, and the certified mail receipt.
Product: Mortgage

Loancare A XXXX Company that goes by the name of XXXX ( XXXX XXXX XXXX, XXXX XXXX, VA XXXX / XXXX ) has billed us a late charge of {$110.00} when our payment was made on time. My wife and I make two payments of equal amounts ( {$1500.00} ) that are typically received by the servicing company within a day of each other ( XX/XX/XXXX and XX/XX/2019 respectively ) and a week or more before the due date ( XX/XX/2019 ). 
Loancare took half of our payment ( {$1500.00} ) and put it  in an unapplied balance/principal and added that amount ( {$1500.00} ) to our total amount due for the next month ( {$2800.00} + {$1500.00} ). 
I was under the impression that if we make our payments before the due date it shouldnt matter whether its in two lump sums or one. 
Please advise.
Product: Checking or savings account

On XX/XX/2022 I received a text message from Bank of America asking to authorize a XXXX transaction for {$3400.00}. I replied no. I then got another text saying someone would contact me. The Bank of America customer service phone number called me so I answered and spoke to the person claiming they worked for the bank. I told them I did not authorize any payments on XXXX and Ive never used XXXX. They had all of my personal information and used it to send {$650.00} to me from my own account. I received emails stating I sent the money and that I received the money which I did neither. The {$650.00} was taken out of my checking account. If I sent myself money it would still be in my account. I filed a fraud claim with Bank of America and they responded saying I am unable to get refunded that money because I made the transaction. I never made any transactions, I have filed police reports because the money was stolen without my authorization and Bank of America is refusing to credit me the funds. I am still receiving texts from Bank of America enrolling me in XXXX which I am also not doing. A Bank of America rep verified the numbers sending me correspondence but claim its not them. According to regulation e and the XXXX I am not liable if my account gets hacked, has fraudulent activity or gets scammed. I should be refunded and they are refusing.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you of unauthorized inquiries on my credit report that I strongly believe are the result of identity theft. Under 15 U.S. Code 1681c2, specifically, the provision regarding the blocking of information resulting from identity theft, it is stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. This blocking should occur not later than 4 business days after the date of receipt by the agency of the request to block the information. 

I have identified the following unauthorized hard inquiries on my credit report : XXXX : XXXX XXXX XXXX XXXX : XX/XX/XXXX SANTANDER CONSUMER USA : XX/XX/XXXX SANTANDER CONSUMER USA : XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX  : XXXX/XXXX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I hereby request that these unauthorized hard inquiries be removed immediately, in accordance with the aforementioned statute. I understand the gravity of identity theft and its potential consequences on my financial well-being. I have taken all necessary steps to protect my personal information and ensure that this unauthorized access to my credit report is resolved promptly. 

Enclosed with this letter, please find a copy of my identification, a copy of my credit report indicating the unauthorized hard inquiries, and any other documentation you may require to process my request in an expedited manner. I kindly request that you confirm in writing when these unauthorized inquiries have been successfully removed from my credit report. 

I appreciate your prompt attention to this matter and your assistance in rectifying this situation. Please do not hesitate to contact me if you require any additional information or if there are any further steps I need to take in this process. 

Thank you for your cooperation and understanding as I work to resolve this issue. 

Sincerely,
Product: Credit card or prepaid card

THIS CREDIT CARD WITH CAPTIAL ONE I FULL OF FRDUALENT CHARGES. THE REFUSED TO WORK WITH ME, AND HAVE SENT THIS ACCOUNT TO COLLECTION, IVE TRIED TO DISUPTE THE CHARGES AND EERY THING THEY REFUSE TO COOPER ATE I EVEN OFFERED TO SETTLE THE DEBT WITH THE COLLECTION COMPANY AND THEY REFUSED TO DISCUSS THE MATTER. THEY SENT IT TO A LAW FIRM, WHO SENDS YOU OFFERS OF SETTLE MENT, AND WHEN YOU GET THE MONDY AND CALL IN THEY INCREASE THE AMOUNT AND SAY THAT OFFER IS NO LONGER AVAIALBE. I HAVE NEVER HAD SO MANY ISSUES WITH A CREDIT CARD IN MY LIFE. THEY ARE A BILL BULLY, AND STAFF ARE RUDE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, US DIST CT ACCT XXXX, XXXX XXXX XXXX Acct- XXXX, XXXX XXXX XXXX XXXX ACCT : XXXX, XXXX XXXX ACCT : XXXX, XXXX XXXX  acct XXXX, XXXX XXXX XXXX XXXX XXXXXXXX acct XXXX, XXXX acct XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Note I have reached out to directly to XXXX for the original signed contract and they can not provide I request deletion of this debt from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex and I had a joint auto loan with XXXX for her car. She traded her car in for a new car, in which I am no longer a cosigner. We talked to the people at XXXX over the phone to explain that this is what we were doing to make sure there would be no problems, and they said okay. XXXX took too long to process the payment, and marked it on my credit report that that it was 30 days past due anyways. I have tried to dispute this with XXXX and the dealer, but both basically said " don't know, don't care, not our problem. '' I filed disputes with XXXX, Experian, an XXXX. Two of them have not gotten back to me yet, but Experian sends me a notification within a couple of days saying the dispute is ready, but refuses to fix the issue. Seems like they just call XXXX, XXXX says " nah, '' and Experian is like " okay '' and refuse to look into it further. They will not take an explanation or a statement from me in my own words, nor do they care about the pictures of the contract that I submit showing the transaction was done well before the 30 day mark.
Product: Credit reporting, credit repair services, or other personal consumer reports

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation i have sent specific letters to XXXX XXXX equifax XXXX XXXX  asking to them to verify all debts, they have wrong dates, wrong information to them as well. These items shall be removed expeditiously XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I attempted to use my debit card to make a purchase online. Direct Express XXXX Comerica Bank rejected my payment. Which was weird because they allowed the previous charges to go thru for the same exact company. I call to see why its being rejected. Waited on hold for over 3 hrs for a human being to help me. Finally a woman tells me they thought it was fraud because it was a repeat charge etc. I tell her its definitely not its me etc- she said she has to transfer me to another person to verify my identity. Waited another 2 and half hours but I had to hang up to go to work. I attempted over 50 times to call again only to be met with the recording sorry we are busy call later. They have 24/7 customer service so I tried all day and night and still no contact with any personal. Then they have employees on XXXX to verify your identity supposedly however its XXXX that is not a very secure way to verify someone and expect them to give personal identifying information such as full social security numbers, address etc.. I can not pay my bills, buy groceries etc nothing because they have blocked my card- yet so not allow me to speak to someone to verify myself to unblock it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN. XXXX Equifax XXXX. XXXX   XXXX XXXX, GA XXXX Request for Investigation of Unauthorized Inquiry I have notice on XX/XX/2019 my credit report from Equifax.com showed the following unauthorized inquiries by these creditors : 1. XXXX XXXX/XXXX, Date : XX/XX/2019 2. XXXX XXXX, XXXX XXXX XX/XX/2019 3. XXXX XXXX, XXXX XX/XX/2019 I contacted all three creditors and notified them that I did not authorize or attempt to obtain any credit or loans, no sort of transactions what so ever, and asked them to remove their credit inquiry from my credit profile. XXXX XXXX was the only creditor that said that they would do their part to correct the unauthorized inquiries ; yet all three creditors search for an application or any type of paper work that would help them but they were unable to find or explain how the unauthorized inquiries showed up on my credit report. 

I request that you initiate an investigation into the unauthorized inquiries on my credit report to determine who authorized the inquiry. Upon your investigation I request that you remove all of these unauthorized inquiries from my credit report, please send me an updated copy of my credit report within 15 business days upon the conclusion of your investigation.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX  XXXX XXXX XXXX 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 a collections account opened at XXXX  XXXX on XX/XX/XXXX with a balance of {$29.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I submitted a seasoned assist letter to Affirm Inc. and they continue to call me multiple times a day
Product: Credit reporting or other personal consumer reports

I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.
Product: Credit reporting or other personal consumer reports

THE CONSUMER XXXX XXXX STATES THAT IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE CREDITOR XXXX XXXX XXXX XXXX ACCOUNT NO.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TELXXXX AND EXPERIAN CREDIT BUREAU XXXX XXXX XXXX XXXX  CREDIT REPORTING NUMBER XXXX HAS VIOLATED THE CONSUMER XXXX XXXX RIGHTS UNDER 15 USC 1681 SECTION 602 STATES, THE CONSUMER HAS A RIGHT TO PRIVACY (15 USC 1681) (SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CANT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS UNDER 15 USCS 1666B, A CREDITOR MAY NOT TREAQT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN FOR ANY PURPOSE!