23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

called collection company, which is not the original creditor, and informed them that this bill was part of the hospital bill, either XXXX XXXX or XXXX XXXX XXXX XXXX XXXX, and these bills were paid by Dept of Veterans Affairs, also when the hospital accepst payment the entire bill is considered payed in full. the XXXX XXXX who is the origanal creditor only received what the hospital disbused to them. but me the Veteran is not liable for any charges, being the original creditor was contracted to the hospital .so this bill should not be put on my credit report as a charge off .and the date of service was last year in XXXX, not this year in XXXX.
Product: Credit card or prepaid card

Our Bank of America Visa was compromised. We were contacted by BOA and they issued us new cards. We have automatic payments on our account set up. We changed nothing. When the next billing cycle came about, they deducted the bill amount twice. They took two payment for the same amount due ( {$5300.00} times two ) on XXXX XXXX. I called them on XXXX XXXX when I saw my bank account statement. Bank of America was unapologetic, took no responsibility but said I would get a refund in 3-5 business days. After a week, I still have not seen the money they illegally took. 
This is a business that makes money by charging interest on loans, yet they went into my account and took out thousands of unauthorized dollars, giving themselves an interest free loan. This is corporate theft!
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB CASE NUMBER XXXX THE CREDITOR DID NOT RESPOND TO MY COMPLAINT WITHIN THE 30 DAYS AS REQUIRED BY LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. 
XXXX Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Debt collection

Received a call from XXXX XXXX at Davidson & Associates from number XXXX notifying me that I have a pending case with them from XXXX XXXX Loan. Claims I owe {$1000.00}, but will settle for {$500.00}. States that the last notification sent was on XX/XX/2017 by email. The " mediator '' on the phone call would not provide any information about the original debt, claiming that XXXX XXXX Loans does not provide them that information and would not provide XXXX XXXX Loans   contact information to obtain the information about the original debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated or deleted. 
XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$270.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$390.00} XXXX  XXXX : {$5100.00} XXXX  XXXX : {$6200.00} XXXX  XXXX : {$4600.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

On XX/XX/2020, my wife and I opened an account with Wells Fargo based on their {$400.00} checking bonus promotion. I have attached screenshots and a PDF copy of the promotion that was advertised on XX/XX/2020. 

The promotion lays forth specific requirements for eligibility for the {$400.00} bonus. My wife and I have since met and exceeded the eligibility requirements yet we still have not received the promotional bonus. The bonus should have appeared in our account at the end of XXXX but we have not received it to date. 

I am happy to additional information regarding our situation at your request.
Product: Checking or savings account

I was told my account was closed on XX/XX/XXXX and the remaining funds were sent to my address on file on XX/XX/XXXX so far to this time the check has not been received. I have called numerous times and have been met with horrible customer service and no help at all they told me I had to wait 121 days before they could re-issue me a new cashiers check. However if they wouldve mailed it on XXXX XXXX, I wouldve received it in my home office by now Im please help me get the funds that are due to me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to recognize that my city of residence is the same as the USPS normalized city for my residence address. My state driver 's license is an official government-issued ID and conforms to the Transportation Security Administration 's Real ID requirements, but Equifax refuses to recognize my driver 's license as proof of my identity. As a result of Equifax 's arbitrary and capricious refusal to recognize a valid state government ID, my access to credit has been delayed and I have incurred unnecessary expense to provide Equifax with additional proof of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy from 2015 that has already been removed by XXXX as it is over 7 years. Please remove this off my report or tell me why you think it should be longer so I can advise my attorney. Ty.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already submitted a prior complaint which resulted in another date change on my Equifax report that is completely false concerning an old debt with XXXX. It was also on my XXXX  report, but has since been deleted. Equifax is the only one reporting this outdated debt that is far beyond the time limits for reporting. The account open date is incorrect as well as the Last Activity date which continues to get changed by XXXX. 

I submitted a complaint with cfpb showing the Last Activity date XX/XX/XXXX ( which should actually be back in XXXX ) and just received an updated Equifax report that now shows a date of last payment to be XX/XX/XXXX. That is a complete falsehood. Not only did the date change, but the amount owed doubled! This is XXXX 's attempt to use Equifax to collect on an old debt where the statue of limitations has long ran out. There is no proof on XXXX 's reporting to Equifax. I have attached a copy of the date changes. If this is not resolved my next action is to file suit against Equifax through XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking to get pre-approval for home mortgage ( new home ) around XX/XX/2018. After reading a lot of articles online, it was clear to me that when we start looking around for home loans, we will have 30-60 days time and there will only be one hit irrespective how many vendors you check with. But to my surprise, there were 3 hard hits on my credit within a period of 30days. Is there anything that can be done to get those hard inquiries off of my record?

Below are the details of the credit checks. 
Date : XX/XX/2018 Institution Information : XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX Date : XX/XX/2018 Institution Information : XXXX XXXX, XXXX, MD XXXX ( XXXX ) XXXX Date : XX/XX/2018 Institution Information : XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have disputed this with the XXXX credit bureaus XXXX, XXXX and XXXX. 
All XXXX credit reporting agents are reporting a balance on accounts that have been charged off. The balance should report as XXXX.
Product: Credit reporting or other personal consumer reports

I didn't recognize XXXX inquires on there report, one dated XX/XX/XXXX and the other Dated XX/XX/XXXX both from XXXXXXXX XXXX XXXX on XXXX XXXX website associated with XXXX XXXX XXXX Account.
Product: Mortgage

I applied for SCRA protection which would cap my interest rate at 6 %. My HELOC is currently at 10 % and I've made multiple payments at a higher rate then 6 %. I've been on XXXX XXXX orders in the state of Louisiana since 2015. The State of Louisiana extends the SCRA protections to all members. I have yet to hear a response from Navy Federal or have my rate adjusted.
Product: Debt collection

All my collection accounts show account open. Per FCRA, a collection account can not report a collection as open account. I want all collections removed. This is a violation of the FCRA. All these accounts have errors. I want these accounts removed. Not closed as other accounts I disputed. I want these accounts removed. All three Credit bureaus are allowing these accounts to be in violation. Im tired of being defrauded. I want to sue all these collection companies. Please help me!!
Product: Credit reporting, credit repair services, or other personal consumer reports

previously I have filed cfpb complaints on the three credit bureaus XXXX XXXX   and Experian before so this process is not a new process.. 
XXXX in 2017 had an XXXX data breach millions millions and millions of Americans were affected by this breach yet to my knowledge there is a class action settlement being settled with a hearing in XX/XX/XXXX of this year with millions cleaning either a money reimbursement or a credit restoration program for 10 years. I claimed the 10-year credit restoration over the money claim but that will not be approved until the court approves it.. however I am very upset that every time I try to get an XXXX free annual credit report or another credit disclosure report with or without the credit score attached they always ask me at nickel facts for information yes I do have an extended fraud alert promotional opt out security freeze credit alert credit freeze but if they can prove that means my information is in their database why law and the bureau say they need me to submit mail documentation every time that gets really old. I don't have the money funds or the time to keep sending in my proof over and over and over each time I make a request.
Product: Student loan

I noted that there was an issue with the way my student loan payments are being allocated. I attempted to contact the company to make changes ; however, the only contact number provided by the company, is now for a company that is selling medical alert necklaces. They have a chat option- which I tried as well - but it seemed that the chat also goes to the medical alert necklace company. Until I can verify where my information including account numbers is going I do not want to provide that issue via a chat. I want to speak with a human being.
Product: Credit reporting, credit repair services, or other personal consumer reports

There recently appeared a collection account from XXXX XXXX XXXX on my credit reports that has the wrong name, dates, address, city, and the three credit bureaus put it on my report anyway! I want this removed immediately!!!
Product: Debt collection

I 've requested MBB to provide validation of debt and they do n't. All they 've sent me are the account numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Home Depot credit card about a month ago. At the end of the application it said " we're going to need more information, we will contact you ''. Only that they never did, and I never got any confirmation over email either. 

I was unsure if the application didn't go through properly for some reason, so about a week ( XX/XX/2020 ) ago I tried applying again. This time it said " we're going to need more information, please contact us '' and gave a case number. So, I contacted them. They told me that my 2nd application was rejected because I already had an application open in the system. Then they said that the first application did not go through because of my XXXX  credit report. 

That was surprising, since I've been keeping on top of my credit score through a XXXX service ( using XXXX  ), and my credit score is excellent ( nearly 800 ). 

So next I went to XXXX to get my official credit reports ( XX/XX/2020 ). Two of the credit reports ( XXXX  and XXXX  ) came as expected ( I am happy to share them if they are useful here ). But the XXXX  credit report did not go through. After entering my personal information, it asked me the " identity verification questions '', but none of them had anything to do with me. So I couldn't get that report. 

I tried calling XXXX  to sort out the problem with them, but they could not help me because for some reason they can not verify my information. They suggested that I use their online system, but that didn't work either, for the same reason - I was not even able to " create an account '' on their system. 

I'm honestly not sure what the source of that problem is, or how to go about fixing it. I know that all my credit reports were fine a year ago, because we were buying a house then. So this issue must be recent.
Product: Debt collection

Received a phone call from XXXX at work from a collection agency XXXX XXXX but they did not give their name at first when calling. I told the rep I'm not allowed personal phone calls at work becuase the line was for patient 's only to please call my cell. If they have called my cell before they have never left a message to call them back. They called my work on XX/XX/XXXX, XX/XX/XXXX  and XX/XX/XXXX. Each time I told them I'm not allowed calls at work. On XX/XX/XXXX the lady from XXXX XXXX asked to speak to my supervisor so should could tell her about " how i'm acting ''. Also threatened to playback any conversations to her that she recoreded. I asked them on every conversation to please mail me validation of the debt and that I have not received anything from them and if they do have the legal right to my personal information they should have my address. They refused to mail anything or do a three way call with the suspected orginial creditor to validate who they are.
Product: Debt collection

I sent request for validation of debt and method of verification MIDLAND FUNDING : XXXX They have never sent any information support this debt and it's not mine.
Product: Credit reporting or other personal consumer reports

An unknown address continues to appear in my credit report two of them, with an unknown name. Both addresss are not mines. This is identity theft of my adress, I have never lived at theses addresses. I need them removed. 

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Str Bklyn, NY XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Dispute of Inaccurate Late Payment Info Dear XXXX, I am writing to formally dispute the late payment ( s ) reported on my credit file for [ Creditor Name ] under account number [ Your Account Number ]. According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, complete, and verifiable. After reviewing my credit report, I found late payments listed for [ Month ( s ) /Year ( s ) ] that are incorrect.

I have never made a late payment on this account, and I am requesting that you investigate and remove these inaccuracies. I have attached supporting documents, including [ bank statements, payment confirmations, or other relevant proof ], which confirm my timely payments.

Please conduct a thorough investigation and correct this erroneous information within the 30-day timeframe specified by the FCRA. If you find that the creditor can not verify the accuracy of the reported late payments, I request that they be removed from my credit file immediately. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the correction. Please provide me with a written response regarding your findings at your earliest convenience. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone accessed my account thru there computer. Credit repair notified me. 
However, never told me the source. It happened twice.
Product: Debt collection

On XXXX XXXX, I received a letter from LTD Financial Services, claiming a debt in the amount of {$440.00}. I do not owe this debt, I have never had an account with the company they claim to be collecting for. This is a fraudulent collection. 

I have received several phone calls from this company in the past month in which I have had to ask several questions regarding who they are with before any of the reps would tell me the name of the company they worked for. Upon hearing " LTD Financial Services '' I asked them each to stop contacting me. I was told by every rep that " thats fine, if you wont confirm who you are we dont want to talk to you anyway ''. Of course, I always receive another call. I have blocked the numbers but continue to receive calls from new numbers. 

The letter they mailed states they will mail verification of this debt. I have contacted the Ohio Attorney Generals Office to report this company as well. There is no verification to this debt. This is a complete scam and fraud. I have never owed this amount of money to any company, creditor or individual. After reviewing their status on the XXXX, where they have not even registered, it seems as though this is common practice with LTD, along with contacting people saying their Social Security numbers are not valid. It seems as though this company prides itself in taking advantage of uninformed people. 

I would like to file a complaint and report harassment. If this company continues to take this further and attempt any further collection of this fraudulent debt, or take any action to disrupt my credit, I will have no other choice but to seek legal action. Thank you. 
XXXX
Product: Debt collection

I have received multiple calls to XXXX XXXX XXXX looking for a XXXX XXXX XXXX, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX. It 's hard to track the caller id as they are spoofing their number. I called them on a recorded line XX/XX/XXXX to tell them that they have a wrong number. I was told by XXXX ( unsure of the name ) that she was going to remove my number off the list. 
Today at Today XX/XX/XXXX XXXX caller ID was XXXX. When I answered the phone I advised the caller, I have called them before to let them know they have the wrong number for this XXXX XXXX XXXX. The female on the phone told me that I must have called another company. I advised her not to call me again, or I will file a complaint. 

I have no faith that this company will not stop calling my house looking for this individual that I do not know who it is. Please help me with this issue.
Product: Credit reporting or other personal consumer reports

This is a formal complaint that you are reporting inaccurate personal information. I am confused to see how many different variations of my name m, address, phone number and employers are being reported. This is highly embarrassing to me and I am reporting to you the correct and legal versions of my personal information. 

I am reporting to you my correct personal information below. I do expect for this inaccurate information to be deleted promptly and for a new credit report to be sent to me via XXXX mail. 

The following are incorrect and must be deleted : These are not my addresses as I have no association with any of these address listed below : XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX I am asking that you delete all of the above incorrect information as it is incorrect. Please remove the above information as quickly as possible. This has the potential to be very harmful to me if any future employers may need to see my credit report. 

I have enclose copies of my current driver 's license, utility bill, and social security card as proof of my identity and my correct information.
Product: Mortgage

My mortgage company, Pacific Union refused to pay my homeowners insurance and taxes from the escrow account. As a result our homeowners insurance was cancelled and my husband and I became delinquent on our taxes.
Product: Debt collection

I instructed provider to submit to XXXX. Provider said that they would. Provider was instructed to resubmit by XXXX the correct way but provider never did. No communication with provider until I received collection letter
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX BALANCE {$9400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that are opened. I also saw several recent inquiries. Seems like the person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries are not mine. Please take these unknown items off my report. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$4900.00} XXXX XXXX {$1300.00} USDOE/XXXX  XXXX {$65000.00} US DEP ED  XXXX {$25000.00} XXXX   XXXX {$2600.00} XXXX  XXXX XXXX {$700.00} XXXX/XXXX  XXXX {$2700.00} XXXX XXXX XXXX   XXXX {$1300.00} XXXX  XXXX XXXX  XXXX {$22000.00}