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

a check for a co pay of XXXX.. was sent to hospital on XX/XX/XXXX and check was processed for payment to hospital on XX/XX/XXXX. the hospital sold this account to a collection agency and there for caused us to have to deal with this agency unnecessarily. XX/XX/XXXX a mailer was dated and sent to us as a notice of debt. we contacted the collection agency and told them there was a discrepancy because this account had been paid onXX/XX/XXXX.they had ask for a copy of the check with the patient number on it which we faxed to them onXX/XX/XXXX.they have ignored our attempts to settle this matter and have continued to try and collect on a bill that was paid. they have since used an affiliate to try and use other tactics to try and collect monies since not responding to there demands of payment they have put us into the credit bureau, which was totally unwarranted. we have contacted the credit bureau and disputed it and sent the copy of the cashed check from the hospital that they ask for, that was cashed on XX/XX/XXXX and have not been able to have this removed and that's the need for help.
Product: Mortgage

We have a mortgage through ATLANTIC BAY Mortgage. Their loan servicer is XXXX XXXX. 

We have had non stop issues with this mortgage company regarding them disbursing funds. 

First, w erefinanced and they had a clerical issue that marked the loan paid in full and they sent back our mortgage payments for 3 months. They tried to blame us for the issues and then finally admitted fault. 

As a lasting rwult of that same issue, they never updated the insurance and stopped paying on the policy and then forced an insurance policy on us saying we didn't have one. 

They admitted fault on that as well staying they never updated the policy. 

Now for a third time our insurance wa stopped due to Atlantic Bay / XXXX XXXX not disbursing to citizens. 

They attempted to divert blame yet again blaming the insurance company. The insurance company has timestamps and records of the sent documentation. 

This company has repeatedly had issues with their own loan officers stating they were happy that we sent emails regarding this because their servicerXX/XX/XXXX has been having a lot of issues. 

I called " XXXX '' at atlantic Bay corporate and she was rude, demeaning and unapologetic and had no sense of urgency on the matter and deflected. 

She said she wouldn't reimburse us for the new 4 point we needed and that the insurance increase would of happened at the renewal anyways when that renewal is still 6 months out. 

This company needs to be investigated and held accountable for unethical business practices. As consumers, it is disheartening that even through a pandemic we did all of our payments and acted as we should yet this mortgage company is causing hardship for over 2 years on a variety of different issues caused by their own loan servicer. If they had accountability and just fixed it, I wouldn't be doing this report. But instead they took the problem and we're rude, degrading and trying to deflect responsibility. Please contact the XXXX XXXX XXXX for evidence of all timestamps and submissions
Product: Credit reporting or other personal consumer reports

I am disputing this account under e-Oscar code XXXX. 

This account is not meeting the industry standard, Metro 2 Compliance. Modify, update, or delete this account for the inaccuracies and errors : Date Filed/Reported : XXXX says XX/XX/2021 but TransUnion says XX/XX/2021. Which one is it? This is misleading if you both get the same data from the same furnisher. Either modify, fix, or delete the entire account. 

The reference number is different. XXXX says XXXX but XXXX says XXXX. TransUnion says XXXX. Which one is it? This is misleading if you both get the same data from the same furnisher. Either modify, fix, or delete the entire account. 

What is the closing date? XXXX says no data, but XXXX and Transunion say XX/XX/2021. Why does XXXX say no data and not reporting it if you guys get the same information from the same furnisher. Either modify, fix, or delete the entire account. 

Court name : XXXX says XXXX XXXX XXXX XXXX XXXX and Transunion says XXXX XXXX XXXX. This is misleading if you both get the same data from the same furnisher. It should be the FULL and COMPLETE name per your industry standard. That is inaccurate, what is the court name? Either modify, fix, or delete the entire account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 someone applied under my name through XXXX  XXXX XXXX, who I don't have an account with, for a XXXX credit card. This has negatively impacted my credit scores with at least one of the credit reporting companies TransUnion. XXXX  XXXX XXXX has reported this to their fraud division but they said I needed to report this to the credit reporting companies. TransUnion advised that they require a police report or a report made online through FTC Fraud website, which directed me here.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : 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 Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Employer : XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report.

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements.

I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above.

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law.

Thank you for your attention to this matter. I look forward to your prompt response. 

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

In the recent Credit File Disclosure provided by TRANSUNION, there are several reporting practices that explicitly violate the consumers federally protected rights. Consumer states for the record NO opt out notices were EVER provided, specifically now referring to the opting out of the sharing of nonpublic information with nonaffiliated third parties, pursuant to 12 C.F, R 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third parties. Furthermore, TRANSUNION is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. Please provide a copy of each written authorization that was provided, allowing the proceeding disputed reporting AND 15 U.S. Code 1681e - Compliance procedures specifically Accurate Reporting. Transunion is now committing willful noncompliance and negligence. TOTAL LIST OF THE inaccurate items reporting without consent are highlighted in the attached Credit Report and outlined in the letter sent XX/XX/XXXX. They include : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All checking account and XXXX XXXX YOU HAVE NO CONSENT TO OBTAIN AND/OR SHARE THIS INFORMATION AND YOU FAILED TO PROVIDE OPT OUT NOTICES FOR CONSUMER TO REVIEW THEIR OPTIONS.
Product: Credit reporting or other personal consumer reports

I am writing to formally contest the accuracy of information regarding an account listed on my credit report, detailed as follows : XXXX XXXX XXXX. 

This account is fraudulent, and I have already reported the issue to XXXX XXXX, the bank associated with this account. XXXX XXXX has acknowledged the error and committed to updating their records accordingly. There is no legally binding agreement for this account, and I am requesting its immediate removal from my credit report. 

I urge for a comprehensive investigation into this matter and the swift deletion of the inaccurate and fraudulent account from my credit report. The acknowledgment from XXXX XXXX regarding the fraudulent nature of this account should serve as ample justification for its removal.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern regarding several disputed accounts that continue to appear inaccurately on my credit report. Despite multiple previous requests for a thorough investigation into these inaccuracies, I have yet to receive a resolution or any corrective action. 

These erroneous accounts are causing significant damage to my credit file, severely impacting my ability to maintain a stable financial situation. The negative consequences of these inaccuracies have placed immense hardships on my daily life. I am now left with no choice but to seek your immediate assistance in rectifying this matter. 

I kindly request that a thorough investigation be conducted into each of the disputed accounts on my credit report. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. Your prompt attention to this matter is critical to restoring the accuracy and integrity of my credit file, which is essential for me to regain control over my financial well-being. 

I sincerely urge you to prioritize this issue and take swift action to resolve it. Your cooperation and support in addressing this situation would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$450.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$17000.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance Owed : {$12000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$220.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$420.00} ; XXXX XX/XX/2021.
Product: Vehicle loan or lease

On or about XX/XX/XXXX I contacted GM Financial to seek a lower monthly payment. The customer rep I spoke with put me on hold after looking over my account and told me that she would be asking her supervisor about a rewrite for my loan. She explained it to me and rotated my account and said she would forward this for review for approval. When a few days went by I called GM back and explained the situation and that no one had called me back concerning the rewrite I was pushed through to XXXX XXXX and he informed me that I was approved for the rewrite and after I made a payment for XXXX that was late my account would be current and the paperwork for the rewrite would be emailed to me and I would then have to sign and mail them back. XXXX went over the terms and payment amount which were great and I was very happy : 8 % interest monthly payment of {$400.00} and term of 12  months added to my current loan. I said I would take it as it lowered my payment {$160.00} dollars. My husband and I have been struggling with the payment over the years due to his layoffs. I had looked into refinancing but nothing worked out. On XX/XX/2018 I got a call back from XXXX whom I had to call the day before to ask where the papers .I need to sign were since they were not emailed to me ... he told me that now I am denied the rewrite. GM is denying all rewrites until further notice. How can they go back on their word? This information was documented that I was approved. They lied and were deceiving to me and my husband and gave false information I doubt they were going to even do the rewrite at all. I was a month behind on loan payment and called them seeking a solution to high payment due to hardship not wanting to voluntarily have car repossessed as last resort and they gave me hope made me believe that I would get paperwork to sign and have to send back before XXXX payment was due so that I would get the lower payment to start for next payment. I was waiting to do all that prepared to pay for documents to mail back to them quicker only to have been lied to. I'm stuck now with not knowing what else I could do.
Product: Money transfer, virtual currency, or money service

Bank transferred money on the XXXX XXXX to my account with Coinbase ( over 300 to be worth of euros ). It was sent before XXXX, and the money was out of my account the same day. Their company says it will take 1-3 working days. On the XX/XX/XXXXand XX/XX/XXXXI emailed them asking where the money is, and how long until it is in my account. I have heard no response back from them, and it has almost been a week since I sent the money. This massive delay in transactions has cost me greatly, both in missed opportunities for investment ( $ 3500+ worth lost, due to this delay ) and the worry that has been caused from it all.
Product: Student loan

I am currently on the Income Driven Repayment/SAVE Plan with Mohela. My loans were placed in forbearance this summer due to the legal difficulties with the IDR/SAVE Plan. When this happened, I was told that no interest would accrue during this forbearance. Their website announcement still says that no interest should be accruing during this time. However, I got a notification on XXXX XXXX that interest would continue to accrue during my forbearance and although the interest rates on my loans still show 0.0 %, the balance continues to increase. For example, I paid off a loan in full last month ( around {$4000.00} ) and my balance was {$0.00}. Now, it is up to {$41.00} somehow. No interest is supposed to be accruing during this forbearance, as claimed by the court and Mohela themselves on their website currently.
Product: Checking or savings account

I came in to withdraw money from my bank account at First Midwest Bank located in XXXX Illinois On XXXX XXXX. 
The teller name is XXXX XXXX I gave the teller my id and My debit card and still remained waiting for over 15 minutes as she went to make calls and other extra things behind a closed door. I remained patient. I didnt raise my voice nor act if character in anyway and I was still denied my funds. She told me I had to wait 48 hours and I literally just took XXXX out of my account last week without these formalities for the same instance and i was late my XXXX XXXX XXXX and now Im facing these same hiccups within this company for my funds yet again.
Product: Checking or savings account

TD Bank is in the practice of attaching fraudulent transactions to one 's account then converting that transaction into a NSF transaction without showing what payment it was attached to. If you will take notice in the attached file : Page 1 which was generated around XX/XX/2021 - XXXX XXXX. There was never a XXXX XXXX in my account. On page 8 you will see a XXXX purchase debt, not a bill. If you will take a look at page 16 there is a payment to the account by XXXX XXXX and they have it listed as a return ; then they therefore attaches the purchase authorization debit on this same page to appear that that was to cover the XXXX XXXX Return. This {$35.00}, a day or two later showed up as NSF fee and I called to get understanding as to what it was attached to and they stated it was attached to the XXXX XXXX Payment of {$110.00}. That {$35.00} was refunded back to my account. As you can see on page 17, in the attachment, there is a {$35.00} overdraft paid, but it does not show what was returned. On page 18 : the XXXX Authorization should be XXXX verifying my account. The Visa XXXX should be XXXX verifying my account. The XXXX Temporary Hold is a fraudulent misrepresentation of facts and I have spoken to the bank concerning these fraudulent activities. The XXXX Authorization should not be there, I made that payment on the XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported a suspicious account opening involving my personal information to the appropriate XXXX, Equifax, and XXXX personnel on XX/XX/XXXX I begged everyone to delete these accounts since I had no idea how they got there. All three companies gave me advice on how to keep track of things and fill out an FTC form. I submitted my information on XX/XX/XXXX. Even though I had sent my letters more than 30 days ago, the accounts that weren't mine were still mentioned in my paperwork since they had been " verified. '' This is a problem that terrifies and bothers me since it hinders my family and I from purchasing a home. I contacted the three companies again on XX/XX/XXXX to ask how they could confirm that these accounts belong to me. They said there was nothing they could do to help me and that I had to speak directly to the debt collectors. The customer called the wrong bank and left a message ; they don't know who I am or what kind of account they are talking about. Just to be sure not to be mistaken, I searched the internet. My friends recommended me to visit the CFPB website. Me and my family can't wait to find the home we're looking for, so I thought it would work.
Product: Credit reporting or other personal consumer reports

I want to submit a complaint about hard inquiries that have been made to my account without my knowledge. I have submitted an identity theft claim and would like these hard inquiries removed. I had no knowledge about these hard inquiries and they are a result of identity theft and I am requesting for them to removed no later than 4 business days per 15 U.S. Code 1681c2. I will attach a list of the hard inquiries needed to be removed as some are linked to open accounts not all are meant to be removed. The list of the hard inquiries needed to be removed : 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

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX  XXXX XXXX. Please repair and update these accounts.
Product: Credit card

someone stole my identity and opened this capital one card without my knowledge. 

Capital one is now XXXX me in court over this account that was never mine charged off at XXXX now they want XXXX
Product: Credit card or prepaid card

I closed my account because of the way Citi card handled a missed payment. I am XXXX years old and sometimes miss a payment date because of absent mindedness ( I always pay my account in full ). I tried to use my card and it was declined ; so, I called the company to see why and was told it was because I hadn't paid the bill. Well, when I told the rep that having my card declined was very embarrassing that person 's response was quite XXXX and XXXX and in a fit of pique I cancelled the card ; the agent said fine. Several days later I received a {$660.00} check which I have not cashed. 

I called the company to ask what happened to the the rewards on the over {$13000.00} that I paid shortly after this conversation, none of which was overdue. I was told that when I closed the account, I forfeited those rewards. I asked for documentation to support this policy, that I must have signed in order to open the account. I was told that I could not have that. The person told me that that policy was explained to me by the agent who closed the account at my request, not so. I asked for the recorded record of my call and was told again that I could not have that. I would not have closed the account had I known of this policy and simply would have not used the account until after my rewards were paid.