23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a medical debt from my new born child from XXXX XXXX XXXX ( XXXX ) when she was born on XXXX XXXX 2015. I was covered under my father 's health coverage but my daughter was not when she arrived. I applied for her health coverage under the affordable care act ( ACA ) under the state of New Jersey on XXXX XXXX of 2015 and received a confirmation number but as of this day I still do n't have medical coverage for my daughter. 
I contacted XXXX XXXX who is my daughter 's primary doctor of the fact and could they put me on a payment plan until coverage begins, they verbally said they could and was also informed that her initial debt from the hospital would get paid when her coverage began. Contrary to what I was told by their office staff, it went to IC System collections. Regarding getting coverage in my state, I received a confirmation number when initially applying and have been following up regularly and had to submit pay statements from my part time employment for the process to go further. Like I said in the aforementioned, my daughter is still not covered medically and I just received a rejection letter regarding my daughters application due to the person processing her application did n't see an address for my place of employment. 
I think this wait for her coverage is way beyond what was envisioned when the XXXX was instituted. I just wanted to bring awareness to other federal and state agencies and know of the dilemma I am encountering and the inefficient processing of my over 6 months old application. I am hoping this complaint, can also inform future care givers of the problems faced with applying for medical coverage within each state and navigating the bureaucratic maze. I am not ruling out seeking the counsel of a lawyer to address the enrollment delay and collection tactics. I question the legality of collection tactics while XXXX applications are still being processed. Thanks for looking into my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. Last 4 of SSN : XXXX. Address XXXX XXXX XXXX, XXXX, TN XXXX. Equifax is not reporting information on my credit report. It is negatively affecting my ability to obtain credit. I sent them a letter as well as a copy of my State ID card and social security card. Equifax responded with a letter asking for a copy of my state ID card and social security card. This makes absolutely no sense. Why is Equifax asking for the exact information that I already sent. My ID card has an address of XXXX XXXX XXXX. Equifax claims this is a problem. THIS MAKES NO SENSE!!! There is ABSOLUTELY NO REASON for Equifax to not report information on my report. And I will no longer take " We're working on the issue '' as an excuse. This seems to be Equifax standard response and they've used it several times. If Equifax fails to report my information by XXXX XXXX XXXX I will be filing a lawsuit on XXXX XXXX XXXX in XXXX XXXX Court. This is the last time I'm going to deal with Equifax concerning this matter. Equifax has proven to me that they are not making a serious attempt to resolve this matter. Even after I provided Equifax with a copy of my ID and social security card they still sent me a letter with a MIDDLE NAME THAT DOES NOT BELONG TO ME!!!!!!!! Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information on my credit report with Credence beginning in XX/XX/2020. This company has failed numerous times to provide the documents required by law to validate the alleged debt in question. They have not provided any signed documents and have sent letters that notify me that they have only contacted the creditor. 

XXXX has continued to report this invalidated information with is a direct violation of the FCRA. 

Credence has continued to report this invalidated information as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.
Product: Credit card

I bought a house in XXXX and was approved for a credit card in XXXX. Both through Navy Federal Credit Union. I commissioned in the XXXX XXXX. Was approved for SCRA in XXXX. Last year, Navy Federal Credit Union sent me a letter stating that they were ending my SCRA on all accounts due to the end of my XXXX XXXX status. After contacting NFCU, I was told that I had to reapply. I reapply in XX/XX/XXXX. It is now XX/XX/XXXX and I am constantly told that I either need to send updated orders, my application is being reviewed or its with a writer. My interest rate on my credit card has increased above 16 %. Reading the CFPB site, it says that even after I am complete with XXXX XXXX status, the rate is not supposed to increase. I am currently still XXXX XXXX status and I have provided all orders stating this. I have also requested to speak to a supervisor on XXXX XXXX. It is now XXXX XX/XX/XXXX and no one has returned my call.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance. 
Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : XXXX. XXXX XXXX TransUnion LLC, XXXX XXXX XXXX XXXX ( XXXX ) The U.S. Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
5. CFPB Enforcement Action against TransUnion ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( s ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences. Pursuant to FCRA 611 ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of the following account ( s ) : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IC System is reporting that I owe a bill to XXXX. I have tried to contact them and they say that its verified to the credits bureaus. I have attached proof that said account is not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 per my credit report Capital One Auto Finance did a credit check without my authorization. My credit file at the time had a fraud alert due to prior comprised file. Capital One never spoke to me nor did I authorize a third party to share my information. Capital One Auto contacted me and I never responded to them cause I had credit already. Capital One needs to prove they spoke to me on a recorded line directly and my consent was given. They need to remove the inquiry.
Product: Credit reporting, credit repair services, 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 XXXXOriginal Creditor : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX # 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 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.

These inaccuracies are stopping me from the ability to get new credit cards, to get a house for my family, to get a new car, etc.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXX XXXX XXXX  - XXXX
Product: Mortgage

We have been calling XXXX XXXX since XX/XX/XXXX everyday or every other day until XX/XX/XXXX. XXXX XXXX has advised that they are not a mortgage company and our mortgage is owned by Lakeview Loan Servicing LLC. 

Attempting to communicate with Lakeview only puts you back in touch with XXXX XXXX. If this form is not completed, XXXX XXXX XXXX XXXX is going to access us {$9200.00} impact fees to build an addition to our home. The addition is going to cause no impact because only family is going to reside in it. 

We are not going to expand our family and my wife and I have lived in the home for 40 years. It would be a Biblical experience for my wife, XXXX XXXX XXXX and I, a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX veteran, to expand our family. 

We are in a bureaucratic black hole between the of XXXX XXXX XXXX XXXX and the bureaucracy of being unable to get a simple form completed by whoever holds our mortgage. XXXX XXXX says they do not hold the mortgage and Lakeview is impossible to communicate with.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from mine and my husband 's - XXXX XXXX employer and any other incoming deposits. Capital one has cited technical issues, which violates the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. I will be contacting a lawyer. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XX/XX/XXXX Experian XXXXXX/XX/XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXXXX/XX/XXXX Experian XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXXXX/XX/XXXXXX/XX/XXXX Experian XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit bureaus after I purchased a credit report with XXXX  on XX/XX/22. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an erroneous account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that this account will be updated. 
XXXX  XXXX : {$7300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, US SM BUS ADMIN ODA add a hard inquiry on my credit report perXX/XX/XXXX 
On XX/XX/2020, XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XX/XX/2020, COMENITYCB/XX/XX/XXXX add a hard inquiry on my credit report per XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

To XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and to XXXX XXXX XXXX please work with LEXISNEXIS a XXXX " FOR THE TRUTH '' with XXXX  XXXX XXXX ( contractor ) to confirm on my credit file 10 years satisfactory of mortgage XX/XX/year> never document as Tradelines.
Product: Credit card or prepaid card

I am filing a complaint against Target Card Services for their handling of my claim regarding fraudulent charges on my store credit card. I have attached the following Items : 1. XX/XX/2021 I noticed charges on several of my credit cards that I did not make. I immediately called the companies involved and the charges were reversed on all cards except Target Stores. 
2. XX/XX/2021 I mailed a letter to Target Stores as instructed by my call to Target Customer Service along with a copy of the fraudulent charges. 
3. XX/XX/2021 I received a reply from Target regarding my dispute of charges. 
4. XX/XX/2021 I called Target Customer Service to check the status of my dispute and was told the issue was denied and a letter of their decision was in the mail. Customer service suggested I make a minimum payment to protect my credit and ask for an appeal to their decision. I immediately mailed a request for appeal of the decision. 
5. XX/XX/2021 I received the letter from Target denying my dispute of fraudulent charges. 
6. XX/XX/2021 I received a reply from Target regarding my request for appeal of their decision. 
7. XX/XX/2021 I received a letter from Target dated XX/XX/XXXX stating they had closed the investigation of my dispute on XX/XX/2021 and all charges, interest & fees would be included in my account balance.

8. Copies of Fraudulent access to my computer beginning XX/XX/2021 XXXX
Product: Vehicle loan or lease

Wells Fargo is the bank holding my loan at 7.29 % Intrest. Payments are {$760.00} After being laid off from work on XX/XX/XXXX due to Covid-19 by XXXX I asked for a deferment of payments. When I started my Payments, I paid on XX/XX/XXXX payment of XXXX 100 % to Intrest. XXXX XXXX {$1000.00} 100 % went to Intrest. On XX/XX/XXXX Payment for {$800.00}, {$640.00} to Intrest, and {$150.00} Principal with payment Variance {$260.00}. XX/XX/XXXX payment {$500.00} and {$270.00} to Intrest and {$220.00} to Principal. XX/XX/XXXX payment {$760.00} and Intrest {$250.00} and Principal {$500.00}. XX/XX/XXXX Payment {$760.00} and {$520.00} Principal and {$230.00} Intrest. XX/XX/XXXX Payment {$760.00} Principal {$520.00} Intrest {$240.00}
Product: Credit reporting

Re : XXXX XXXX XXXX, Account # XXXXI was a victim of a personal check fraud. When I was finally able to resolve the issue with the collection agency and submit the deletion letter to Experian via its online system, within an hour I have received an email stating that they have verified the account and it belongs to me. I have a deletion letter from the collection agency stating that this account has been closed due to fraud. I am just asking Experian to review the information properly and remove the account from my report.
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

XXXX - XXXX - {$0.00} XXXX  - XXXX - {$660.00} XXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} XXXX XXXX  XXXX - XXXX - {$0.00} XXXX XXXX  XXXX - XXXX - {$0.00} XXXX - XXXX - {$2600.00} XXXX  XXXX Bankruptcy - XXXX XXXX  XXXX Bankruptcy - XXXX Employers : XXXX XXXX  XXXX XXXX Employers : XXXX XXXX Employers : XXXX XXXX XXXX XXXX Employers : XXXX XXXX
Product: Checking or savings account

A Thief Burglarized my vehicle, stole my wallet and various other items. I called the police, after 2 Days he was caught, And all of my credit and debit cards were returned. This was After he was able to withdraw and charge several credit / Debit cards to their limit. After filing a claim through the bank, my claim was denied after 30 days, referencing that I tried to claim items that were clearly verified as my charges. After waiting another 3 weeks, to receive the Documents for the claim, I discovered that the representative had in error added two additional charges that were clearly made by myself, AFTER I received my property back. I ONLY asked to claim the ATM Withdrawals and associated fees, that totaled. The exact amount that were put on the police report, which I forwarded to them when I made the claim. The additional charges were for two transactions that I made at a hotel the day that I received my debit card back from the police. I clearly stated this to the ( XXXX XXXX XXXX  ) Bank Call Center Representative. I then after an additional 5 days bringing this to 2 months in total time since the crime was committed against me, I refilled the claim, and its astonishing that the representative made the exact same claim amounts, after I adamantly explained the error that THEY HAD MADE ON THE FIRST CLAIM. The claim was denied again, and as before I had to wait the 3 weeks to get an explanation report through the mail, that my claim was denied for the SAME EXACT ERROR THEY MADE THE FIRST TIME. I requested a different investigator, explained what the problem was, and was asked to write in detail what exactly happened in the first TWO CLAIMS, that were ultimately denied. Waited another 3 Weeks, just to have my claim denied due to a discrepancy in 3 additional charges at a vending machine that didnt show up until 60 days later that the thief made while in possession of my debit card. So I had to make another claim. This time when I made the claim, I was told that I could no longer make a claim due to the claim being made at more than 90 Days. The 90 days claims process was created by their claims department, making human errors. After filing an appeal to the supervisor, they acknowledged their error and allowed for me to make and additional claim. I did so. The claim was approved by the claims adjuster, for {$10.00} only. For the 3 {$3.00} charges to the vending company XXXX of South Dakota, because the other Fradulent charges were past the allowable time to issue a claim, because they stated that they have no authorization to modify or override the systems. Claim process was suspended to me until this New year of 2025, and I will be filing another claim with the same paperwork again, and with a copy of this statement to be attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated the FCRA with XXXX XXXX XXXX account XXXX had been illegally Re-Aged. Re-Aging account is a very serious violation in reporting by Experian. This account has been illegally Re-Aged from XXXX to XXXX. This account has multiple FCRA violations. I have provided proof documentation directly from the credit report circled and highlighted showing the multiple FCRA violations. I have listed the multiple FCRA violations below for the CFPB review. 


( 1 ) Violation of the FCRA illegal Re-Aging account from XX/XX/XXXX to XX/XX/XXXX. 

( 2 ) Violation of the FCRA not putting the required notice of dispute in comments after I have disputed this account multiple times.

( 3 ) Violation inconsistent reporting by Experian with this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account named XXXX XXXX compan has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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.
Product: Payday loan, title loan, or personal loan

" XXXX '' from XXXX XXXX XXXX, is obsessively calling me on my personal line and my work line, stating that a criminal charge of check fraud has been attached to my social security number and state ID. She did not even mention a debt, just continued on about criminal charges. I have no idea what this is about and I am aware of any debts I currently have and are in contact with those accounts, so this is nothing I am familiar with and seems fraudulent, as there is no proof or info to give me, just threats.