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

I checked my credit report profile on my XXXX time to time and I notice an update on my account that I do not recognize that is why I am reporting that accounts are not mines and should be investigated furthered and remove from my credit profile thank you
Product: Mortgage

I feel that My wife and I were discriminated against during our application process for a mortgage. Additionally, the reasons stated for our application refusal were inaccurate and fraudulent. Our emails and phone calls went unanswered during the application process - we were basically treated disrespectfully throughout the entire process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance Owed : {$0.00} - This kind of account is actually noted as a charged off account, you need to let me know the actual reason why there's a balance showing you on the record if it is a charge off. 

XXXX XXXX Balance Owed : {$0.00} Many times delayed that is being reported on my credit report appears to be inaccurate and or misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations.
Product: Debt collection

I had an emergency XXXX XX/XX/year> at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  I was not told the surgeons were out of network. When I received my explanation of benefits from my Insurance- XXXX XXXX XXXX those were the only charges not covered, so I was billed by the two doctors, one for {$6200.00} and one for {$750.00}. Again, they were out of net-work which I did not know, but more importantly it was an emergency XXXX that was coded wrong as a non-emergency. After going back and forth each month with my insurance and with the doctors ' offices I put in a written appeal with the insurance company explaining the emergency XXXX situation. The doctors turned my bills over to a collection agency before my appeal was complete ( an appeal in which they had told me to do ). My appeal was accepted and approved that it was an emergency and should have been paid as an emergency, which would cover the out of net work charges. My insurance sent my final Explanation of Benefits showing that I did not owe the doctors any money - a XXXX balance. The doctors had already turned the bills over to a collection agency and said there was nothing they could do now that it had been given to them. I have been sued by the collection company and my case was not heard in court due to an error in my email to the court. The court has approved the suit even though I do not owe the money to the doctors.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  Account # : XXXX Account name : XXXXXXXX XXXX XXXX  Account # : XXXX Account name XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # XXXX HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these XXXX and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX  XXXX Open Date XX/XX/2014 balance : Balance : {$0.00}
Product: Debt collection

I had an account with optimum which I tried to close before moving out. they did not allow me to cancel over the phone and would put me on hold or tell me the would call me back. I paid for my last billing cicle and moved. They continue to bill me after I moved out and only canceled the account one new tenants from my old address tried to open an account the the same address as my old one. They are charging me for a billing circle even though service Were never rendered and I was no longer living at that address. Claiming that I did not cancel the service even though I called them multiple times and they did not allow me to. And I have proof with my call logs of the many times I called them.
Product: Debt collection

Attempting to garnish a second time, under mn law they are allowed to garnish for 70 days and never again. They garnished for 70 days starting XX/XX/2019 and now are attempting to do so again. The court has not cleared any such action. Sending the notice alone is a violation of FDCPA.
Product: Credit reporting or other personal consumer reports

This is my fourth 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 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: Credit reporting or other personal consumer reports

on XXXX it shows on my credit report with XXXX that AMEX did a hard credit check. I did not authorize this and AMEX stated to me on the phone that they did not pull my credit report. They have no record of my social security number. They have no record of my name and AMEX stated to me they did not do a hard inquiry on my credit report. My question is why is there a hard inquiry then on my credit report from AMEX on XXXX? Am I possibly a victim of identity theft and did someone else try applying for a credit card in my name? I would like to have the hard inquiry removed from my credit report with XXXX.
Product: Credit reporting or other personal consumer reports

I was included in the Eqifax data breach and Equifax has admitted it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX and Transunion Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$1600.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX  XXXX Balance : {$1600.00}
Product: Mortgage

I was attempting to refinance my home. The mortgage company Caliber Home Loans had quoted me a new rate and I had eSigned documents and provided my tax and pay stubs. On XX/XX/19 I received an email saying I had locked in the loan and then the agent taking care of me just vanished. I tried getting following up but nothing happened, I eventually received a letter saying I had canceled the process and so they would stop processing my refinance.
Product: Mortgage

I am writing to dispute the adverse action taken against me by your institution, which I believe to be in violation of 12 CFR Part 1002 Regulation B, Title 15 U.S. Code 1602 ( p ), Title 15 U.S. Code 1644 ( f ), and Title 15 U.S. Code 1611. The adverse action in question pertains to the denial of my recent application for a mortgage with new American lending. 

. On XX/XX/2023, I received a written notice from your institution, indicating that my application for a home loan has been denied. The specific reason ( s ) as to why I was denied is irrelevant because I have the right to credit and withholding my securities is securities fraud! Your institution is in clear violation of the Equal Credit Opportunity Act and Consumer Credit Protection Act! In light of the above violations, I kindly demand, Since I have been denied access to my own credit, that you please retract my application! Please acknowledge receipt of this dispute letter within 10 business days and inform me of the actions taken to address my concerns. Should you require any additional information from me to facilitate this process, please do not hesitate to contact me. 

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

Between XX/XX/19 and XX/XX/19 my Transunion credit score dropped 40 points. I accessed my credit report at Transunion.com and found no negative information. During the online identity confirmation process, I was asked " How old is XXXX XXXX? '' I was asked " What city is associated with XXXX XXXX? '' I do not know these people. I filed a formal dispute in writing via snailmail to dispute the drop in my credit score, and the association of these strange people with my credit file. Transunion responded by sending me another copy of my credit report. My concerns were not addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am filing this complaint on behalf of myself for false reporting misleading information. No one else is filing this complaint about me.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Against Equifax for Failure to Correct Inaccurate Late Payment Reporting To Whom It May Concern : I am writing to formally file a complaint against Equifax for its ongoing failure to correct inaccurate late payment information reported on my credit report for account XXXX, account number XXXX. Despite submitting multiple requests for correction, dated ( letters dated XX/XX/year> ), no changes have been made. This inaction not only disregards my right to accurate reporting but also violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), which mandate timely and precise updates to consumer credit files.

FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information within consumer files. The continued reporting of incorrect late payments on my account breaches this requirement. Furthermore, according to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this statutory requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity of accurate and timely disclosures to consumers. The misreporting of late payments on my account has directly harmed my creditworthiness, which TILA aims to protect. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditors ' responsibility to provide timely statements, preventing unfair penalties to consumers. The inaccurate reporting of late payments on this account violates this protection and has unjustly impacted my financial standing. 
Payment History Discrepancies The account XXXX shows recurring inaccuracies across XXXX, XXXX, and Equifax credit reports, specifically related to late payments. Each bureau reports multiple 30-day, 60-day, and even 90-day late payment entries, despite the account being closed, fully paid, and having a {$0.00} balance at the time. These errors persist across all three bureaus, affecting my credit profile negatively. Lack of Resolution Since Previous Dispute Despite multiple disputes submitted to Equifax, each bureau has continued to report these errors without any corrective action. This inaction has resulted in prolonged harm to my creditworthiness and breaches both FCRA and TILA.

Desired Resolution Immediate Removal : I am formally requesting the immediate removal of all inaccurate late payment notations from my credit report, including assurances of corrected and accurate reporting across all three bureaus. 
Written Confirmation : Please provide written confirmation of these corrections once the inaccuracies are removed. 
If this matter is not resolved promptly, I will consider escalating my complaint, including potential legal action and further complaints with appropriate consumer protection agencies. 
Thank you for your attention to this matter. I look forward to a swift and accurate resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Disqualified me from a survey. False advertising and XXXX discrimination. I was qualified for surveys, but on XX/XX/year>, I faced illegal retaliation from Dave Banking company for making too much money from completing surveys.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit report act, this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1861 section 604 a section 2 states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a critter may not treat a payment on a credit card account under an open consumer credit plan is late for any purpose
Product: Money transfer, virtual currency, or money service

On XX/XX/, I transferred $ XXXX to my XXXX account through my account in XXXX. I did another transfer of $ XXXX on XX/XX/XXXX  from and to the same accounts. With this funds on XXXX platform, I purchased crypto and transferred to a crypto trading platform called " XXXX ''. within few days, I came to know that these people are scammers and on the same day I raised dispute on $ XXXX via mobile banking app of XXXX. I called XXXX to raise another dispute on $ XXXX as I didn't see this on the dispute page in the app. On the next day the XXXX XXXX  able to reverse $ XXXX. But they couldn't do the same for $ XXXX. They said that the funds are no longer available with the beneficiary bank. I trued to login to my XXXX account to verify the same but they close my account without any notice. So now I can't login to capture the deposit details. XXXX gave me XXXX XXXX details to deposit which I used for both the deposits. Tried to reach XXXX XXXX but they said they are closed on weekend. I don't have an account in XXXX XXXX and can't access XXXX account. Am totally scammed for $ XXXX. $ XXXX through money transfers from XXXX XXXX  and remaining amount from XXXX XXXX transfers. Filed a complaint to XXXX to reverse the crypto transfers. But they replied that the crypto transfers can not be reversed. Now I lost $ XXXX after recovering $ XXXX through XXXX. Please help. I'll provide any other if needed. Am worried that, I uploaded my Selfie along with my Drivers license on to the scammers platform.
Product: Checking or savings account

Hello, I made a deposit on XX/XX/2020. The check is made out to my husband and I. Both of us endorsed the check and the deposit was rejected. I spoke to a supervisor who indicated that the reason the check was rejected was due to a regulation. I have never heard of this regulation and have been banking with Capital One for over 10 years. The supervisor could not provide which regulation and was unable to explain the companys policy. The supervisor asked me to go and physically deposit the check and when I mentioned that we are in pandemic, he indicated that this incident had nothing to do with this. However, this bank has no physical locations in XXXX.
Product: Debt collection

XX/XX/2022 {$720.00} I sent a dispute letter requesting validation and they did not validate the account and the representative with XXXX was asking for my legal name and I refused to provide so he used tactics to scare me and provide legal last name and then he went on to say that they will continue to report to the credit bureau even though they did not validate my dispute.
Product: Student loan

My son has school loans through Sallie Mae that I am a co signer with. He didn't make his payments for a while. On XX/XX/XXXX we were able to catch up on the payments. However my credit report now has several late payments shown on it from the 7 loans that he has, but Sallie Mae was not supposed to report late fee 's until after XX/XX/XXXX. We were able to get the loan up to date before that XX/XX/XXXX date.
Product: Mortgage

To Whom It May Concern, Attached is a letter I received back in XXXX of 2023 from Dovenmuehle as it relates to unclaimed property for Loan # XXXX ( property address XXXX XXXX XXXX XXXX XXXX XXXX  ). 

I followed the instructions in the letter but the unclaimed property check for {$1000.00} was mailed to my old address ( XXXX XXXX XXXX XXXX XXXX XXXX ). 
I never received these funds. I reached out before XXXX XXXX 2023 to get a new check issued to my new address ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX ). I was told this was corrected and a new check would be sent out. 
I still never received a check from Dovenmuehle. I called multiple times with no one able to tell me the status of my unclaimed property. 
Eventually I spoke with someone from Dovenmuehle who said the unclaimed property was sent to the State Of Maryland ( fantastic ).

I then contacted the Unclaimed Property Division in Maryland and I sent them the attached letter.

The Unclaimed Property Division in Maryland is stating they have NO record of any funds related to this account or my name in their system.

If the State has not cashed the check can it be cancelled and a new check sent out to me with my new address ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX )? 

If that can not happen, please coordinate with the State of Maryland directly and confirm with them that they have my unclaimed property and that it is under my name and that I can claim it. 

Again, this process has taken almost a year and the State is saying they have nothing under my name and this property/ account as it relates to unclaimed property.

Call me or email me if you have any other additional questions. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I submitted a dispute about an incorrect account on my credit report to Equifax. They did not investigate properly because they gave me the results on XX/XX/2024. Only one day after I submitted the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Product: Consumer Loan

I submitted an application for a loan at rise credit on Friday the XXXX of XXXX was approved in regards to waiting proof of income in which I also submitted on Friday the XXXX of XXXX and again on Monday the XXXX of XXXX. I 'm filing this complaint against the company because they advertise if approved the money would be into my account as early as the next business day and today is the XXXX of XXXX and the money has not been deposited into my account yet nor have I had the opportunity to complete the final steps of my application. This, I believe is false advertisement. ( See attached documentation. )
Product: Payday loan, title loan, or personal loan

OnXX/XX/XXXXtook out an online installment loan through www.speedycash.com in the amount of {$500.00}. Made bi-weekly payments of XXXX through XX/XX/XXXX when I put a stop to all automatic withdrawals. After running a credit report recently, I found I was turned into collections and looked further into www.speedycash.com. False license on their website as I tried to pull up their lender license number for the state of Illinois and did n't find it. Ran through all the speedy cash lenders, and the lender out of KS is 'inactive ' and has been since XX/XX/XXXX. False license on website, false advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

This 12 inquired I dont recognize report fraudulent run my credit 1 ) XXXX XXXX,, 2 ) XXXX, 3 ), XXXX XXXX XXXX XXXXXXXX XXXX, 4 ) XXXX XXXXXXXX XXXX 5 ) XXXX,, 6 ) XXXX XXXX,, 7 ) XXXX XXXX XXXXXXXX XXXX,, 8 ) XXXX XXXX XXXX,, 9 ) XXXX, XXXX XXXX, 10 ) XXXX, 11 ) XXXX XXXX XXXX,, 12 ) XXXX XXXX