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

Experian will not provide me with any documentation to validate two debts sent in XX/XX/XXXX, from XXXX. Both debts were immediately removed from XXXX and XXXX however, Experian removed one but not the other. I have repeatedly disputed this debt and disputes are closed very quickly by Experian without providing any documentation for the validation of this debt. Now, Experian has allowed XXXX to re-age this debt on a monthly basis. 

The company XXXX is illegally re-aging a debt not owed as I have NEVER received a bill for this debt from the original creditor, therefore violating the fair credit reporting act. The Date of first delinquency is allegedly XX/XX/XXXX, however, XXXX continues to re-age this debt monthly starting XX/XX/XXXX maliciously to make this debt appear new and/or current. After speaking with Experian Credit, they too, sent a request to Consumer Federal Protection Agency as this company illegally re-aging this debt. 

XXXX continually sends two medical invoices with the names of minor children attached versus a bill for this alleged debt. The original creditor never sent a bill or any information saying a debt was owed which is why XXXX continues to send medial invoices which are paid by my insurance company. 

All credit agencies have removed this debt, however, Experian has not, and has allowed this debt to remain and allows XXXX to re age this debt on a monthly basis. This is illegal according to Federal Law. 

A police report was filed against both XXXX and XXXXXXXX XXXX for fraudulently sending a debt to a collection agency then to credit agencies for a debt that is not owed as no service was provided for the debt they are claiming. 

They have intertwined medical debt ( paid by insurance company ) with this other alleged debt. My insurance company XXXX  ( federal government ) is investigating XXXX XXXX for attempting to bill fraudulently under my name for a provider/doctor I have never been a patient of or seen. Those claims were denied by the insurance company for inaccurate billing and/or billing under a doctor which I was never a patient. 

After alerting my insurance company of the fraudulent activity, the company XXXX XXXX  retaliated by sending medical invoices intertwined with an alleged bill to the collection agency XXXX who is illegally re-aging this debt monthly as I have continually disputed the nature of this debt. The nature off the debt and has continually changed to support the debt after sending documentation to Experian who shared with XXXX, however, I do not, nor have I ever seen anything from Experian sent from XXXX to validate this debt.
Product: Credit card

Bank of America cleverly places the amount I overpaid as a credit balance on the card. 
NOT! 
I want a paper check in the amount of the overpayment. It was cash paid to them. I want cash paid to ME. 
Further I want them to close the account as CLOSED BY CONSUMER. Otherwise they will deplete the balance with an annual fee since there is NO BALANCE.
Product: Checking or savings account

I got stolen my wallet, and I made a dispute with well Fargo, after 5 days I realized that my computer was stolen as well I made a police report, after 15 days well Fargo online says that the charger were removed and the case was close!!!! 

after 20 days I saw the the credits were revised and i call the bank and they told me that the close the case and I can not re open, because I lost the case, because the merchant send documentation and I ask for an appeal and they said that if want they will close the bank account
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my credit report and XXXX XXXX have four accounts listed on my credit report from XXXX XXXX XXXX XXXX XXXXi have never have a contract with these companies. i did not receive a dunning letter in the mail saying I have a right to dispute this debt. This company hold four accounts with my name social security number address date of birth without my permission which is identity theft.They bought these accounts from another collection company. This company needs to delete my personal information out the database.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX - XXXX XXXX According to 15 USC 1681i ( XXXX ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( XXXX ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681sXXXX 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if XXXX XXXX XXXX the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and XXXX XXXX XXXX  the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of id theft. these items do not belong to me due to fruad XXXX   XXXX XXXX/XXXX XXXX opened XXXX XXXX {$1900.00} XXXX XXXX opened XXXX XXXX XXXX XXXX opened XXXX XXXX {$8700.00} XXXX/XXXX opened XX/XX/2010 {$4700.00}
Product: Checking or savings account

I deposited a check using my bank app. the next day the bank put a hold on the funds for 10days. I asked to cancel the deposit so I can take the check directly to the makers bank and cash the check. 
Not an option, hold was placed even though the check cleared my clients bank The are keeping me from my funds fraduantly
Product: Vehicle loan or lease

on XX/XX/XXXX I when to purchase a XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they told me i need a down payment for the car.. Which was {$9600.00} and the car cost {$17000.00}. Now the total cost of the car is {$8200.00} with out the sales tax.. as we come to the agreement, 2 months later I see and on my credit report that I own an outstanding balance {$15000.00} which was not correct. I call the bank ( Westlake Financial ) which give me the loan. I ask for the original copy which was different from my copy..
Product: Checking or savings account

On XX/XX/2023, a deposit that had been made into my account had cleared. On XX/XX/2023, Bank of America allowed a cleared deposit to reverse without any authorization from me. When I contacted the bank on XX/XX/2023, the customer service representative could not explain why the bank allowed a reversal of a cleared deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I defaulted on a mortgage in XX/XX/XXXX ( the date of my last payment was in XX/XX/XXXX ). The property went into foreclosure in XX/XX/XXXX, my creditor ultimately sold the property in XX/XX/XXXX. It is now XX/XX/XXXX and the mortgage is still on my XXXX and XXXX Credit reports. The XXXX and XXXX  report clearly shows that my last payment was in XX/XX/XXXX, but citimortgage reported that I went from 120 days delq to current in XX/XX/XXXX and then back to 120 days delq in XX/XX/XXXX. As a consequence, this derogatory item is still on my credit report and I have been unable to secure a mortgage refinance for my primary residence because lenders wo n't make loans when a foreclosure is still on the credit report. this foreclosure should have dropped off my report 2 years ago. I have written citimortgage and they have yet to respond. when I call citimortgage I am ask to hold while I am transfered and then they hang up ( this happened twice ). I have filed two complaints with XXXX via phone and between the language barriers and lack of customer service, nothing has happened ( in fact my XXXX credit score, which I monitor, inexplicably dropped 30 pts ). The written responses from XXXX and XXXX claim that a change had been made, but the derogatory is still on my credit reports. Pls help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been more then 30 days. in accordance wit the fair reporting act. the list of accounts below has violated my federal protection rights to privacy and confidentiality under 15 usc 1681 Account XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX, has violated my rights according to the law. 15 u.s.c.1681i procedure in case of dispute accuracy. If the completeness of accuracy of any item of information contained in a consumers file at a consumer report agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the dispute information, or delete the items from the file in accordance with paragraph ( 5 ) before the end of the 30 days period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 15 u.s.c 1681 section 602 A. i have a right to privacy 15 u.s.c 1681 section 604 A section 2 : it also states that a customer reporting agency can not furnish a count without my written instruction 15 u.s.c. 1681c ( a ) ( 5 ) states no reporting agency not make customer report containing the following items of information any other adverse items of information other then convictions of crimes witch antedates the report more then 7 years 15 u.s.c. 1681s-2 ( A ) ( 1 ) a person shell not furnish any information related to a customer to any customer reporting agency if the person knows or has any reasonable cause to believe that the information is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX  XXXX Balance : {$440.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$29000.00}
Product: Mortgage

Complaint : XXXX XXXX, client/consumer/XXXX # XXXX XXXX : Loan Consultant : XXXX XXXX XXXX XXXX, XXXX # XXXX : # XXXX XXXX XXXX XXXX, # XXXX, XXXX, CA. XXXX XXXX ( cell ), XXXXXXXXXXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -Capital Benefit, Inc. : Lender : Loan # XXXX, escrow # XXXX XXXX : Loan rep. 
XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA. XXXX : XXXXXXXXXXXX : XXXXXXXXXXXX XXXX : On XX/XX/XXXX I spoke to XXXX XXXX and after XXXX returns for XXXX : gross income : {$170000.00} and tax returns XXXX loan docs, including bank statements were given and a pre-approvalletter was given to be. 
B : Good Faith was XXXX arm with 30 year fixed at 4.25 % -- -- 5.25 % I spent the next 45 days looking at over XXXX homes and spentover XXXX hours looking and found a property to XXXX : I found a house and went into escrow with escrow XXXX in XXXX, CAEscrow # XXXX, all in good faithd : I agreed to the terms and conditions of putting 30 % down and carrying a notefor {$130000.00} and agreed from the beginning to be an owner occupied investmentproperty for me. This was all disclosed to XXXX XXXX from the beginningof obtaining the loanItem XXXX : All loan docs were given to escrow and we were to fund on XXXX record on XXXX : XXXX XXXX emails me that I can not have a loan now as owneroccupied and we are now going to use a Hard money loan. 
Instead of 4.25 % -- -- to 5.25 % for the loan, now the interest rate is 9.5 % Why and is this using bait and switch tactics? 

Item 3Then when I received the loan docs from Capital Benefit , Inc . 
XXXX the loan officer changed the terms and conditions of the loandocs : Now the loan docs were at 10.5 % with over {$4000.00} more infees from Capital Benefit to fund the house. 
A : Is this using bait and switch tactics against me as a licensed realtorin XXXX, that was disclosed to XXXX and XXXX from the beginningB : I have all emails from XXXX XXXX from the beginning of theprocess for the loan and all statements from him. 
C : Capital Benefit changed the terms and conditions at the last secondand now it was a non-owner occupied property and I did notsign the loan docs as this was not true. 
The escrow was cancelled. 
Item XXXX. I want my {$270.00} back for the home inspection I did operating in goodfaith on this loan. 
2. I want {$450.00} back as this is the amount I paid for the home appraisalthat did appraise at {$190000.00} to buy the home3. My time is worth {$200.00} an hour as a realtor and I spentover 40 hours of my time to find the property and buy it, I want {$8000.00} back to me. 
4. The commission I was to receive for the deal was $ XXXX I deserve this back as well
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights have been violated due to inaccurate information being reported using permissible purpose ( 15U.S.C.1604 ). My rights have been violated by a block of information resulting from identity theft ( 15U.S.C.605B ). I have been denied bank loans due to these violations ( 15U.S.C.602B ). I was denied consumer goods and also these companies have violated the Violation Of Privacy Act of 1974.i.e. XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I paid off a car loan and the company reported to the experian that the loan was paid off, in good standing, and closed because there was no more debt. Experian used the fact that I no longer owed this company any money to lower my credit score by XXXX points. Essentially saying stay in debt or well punish your credit score through our reporting tactics
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

Inquiries not tied-up to open accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am the account holder of a couple cash out accounts one business XXXX XXXX and 2 personal XXXX  XXXX and XXXX XXXX I had to factory reset my phone and I lost access to my business account and by accident created XXXX XXXX. I have contacted support to get access and or merge my accounts and I did everything they asked to verify and also I went out of my way and sent my birth certificate, social security card, copy of dl and a selfish of myself holding my dl and they have just quit responding telling me there is no information that they can give me about my case. I have nearly XXXX in my business account an s need access to it. I'm currently XXXX and this is worsening my situation. I need access or for them to merge my accounts so I can have access to my money. Please help this has been going on for the past 2 days.
Product: Debt collection

Radius Global Solutions is calling me 6-7 times a day for a debt with an old bank credit card. I have not had a job due to surgeries and overall health issues. I tell them every time they call and they use abusive language and continue to harass me daily. I told them I plan on making payments when Im financially stable but they continue to harass me. When I try to talk to them they are rude and wont take no for an answer. It started off with them calling me maybe twice a day for the last year or two. And up to this day XXXX they call me 5-7 times in one day using different phone numbers even when I ask them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$5200.00} ; XXXX XXXX XXXX Balance : {$430.00}.
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. U.S. DEPARTMENT OF EDUCATION 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 : States a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I am a military spouse attempting to resolve the below account. I disputed the item and the debt collector immediately increases the debt balance. The balance has since decreased. It is illegal for a debt collector to increase the balance to prove a point. Please help me resolve this issue/account. 
Account info Account name XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1700.00} Balance updated XX/XX/XXXX Recent payment $ XXXX  Monthly payment {$0.00} Original balance {$1700.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I put a cashiers check into my account of XXXX and it cleared into the account after 13 days when it did clear they closed my account and took my money XXXX and I have been trying to get it for 3 months now I hate lost alot over this and I want my money that was wrong to do and I think it's a crime to do this to people
Product: Mortgage

XXXX XXXX XXXX phone number XXXX email XXXXXXXX XXXX ID : XXXX My name is XXXX XXXX XXXX I went to associated bank and open an account the above agent information was given to me because I'm a first time home buyer he denied my application because I'm XXXX and he lied I have no credit I had a credit card with XXXX, he later told me he couldn't pull up my credit score, I called another agent in the bank she pulled up my credit score I asked her if she could take up my application she later told me she have to talk to the agent I'm dealing with first and she comes back giving me another lie story so I knew that XXXX XXXX XXXX deliberately denied me the loan for me been XXXX and that is very wrong so I wanted this matter to be investigated why will he do that and how long he has being doing that to other XXXX people it's our right to have a mortgage when we meet all the requirements not for an agent to lied to us and denied us because of our race
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my consumer report. I was shocked to learn that I have been a victim of identity theft. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A and 15 USC 1681q. You have knowingly transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I found numerous accounts on my consumer report that were not open by me.

Addition to this I have not given any consumer reporting agency written permission to put anything on my consumer report. The law states per 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Therefore, these accounts should not be reported on my consumer report. 


This has also caused infringement of my right to privacy for advertising this alleged debt that I do not owe nor have an agreement and/or personal responsibility contract with on my consumer report. 

This has been hurting me and causing my mental health to be disturbed with severe harm and extreme XXXX as I am in the process of buying a home for my family. It is also unlawful for the advertisement of any debt to coerce payment per 15 U.S Code 1692d Harassment or abuse. 

Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXXXXXX XXXX XXXX acct : XXXX XXXX XXXX XXXX acct : XXXX and XXXX XXXX XXXXXXXX : XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat c payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting

My name is XXXX XXXX, and my Social Security number is XXXX. Ive had several problems ever since someone decided to use my Social Security number for different things, and Ive been denied my right to [ access ] my credit report information or my credit history regarding my finances, credit, salary earned, debts that I need to verify, and everything else. Nobody has the right to deny me what is mine, and I need it. Ive been deprived of all information and privileges, and my ability to overcome this has been obstructed, because businesses havent hired me due to a lack of information on me.