23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have sent certified letters to the credit bureau 's in concern about these inquiries. 
The last date I sent letter out was in the month of XXXX, XXXX. 
XXXX. XXXX ( never applied for an account here ) XX/XX/XXXX XXXX XXXX ( never applied here ), XX/XX/XXXX XXXX. XXXX / XXXXXXXX XXXX  ( not mine ) XX/XX/XXXX XXXX XXXX XXXX ( not mine ) XX/XX/XXXX XXXX XXXX XXXX ( not mine ) XX/XX/XXXX XXXXXXXX XXXX ( should have only ran my credit one time, Its two ( Remove one ) XX/XX/XXXX XXXX XXXX XXXX ( not mine ) 8. CIC Mortgage XX/XX/XXXX ( never applied for a mortgage until XX/XX/XXXX ). not mine XXXX XXXX ( I have a n account with them, but haven't applied for anymore loans since XXXX, they're showing it as a vehicle loan and it's a regular loan. it needs to be changes. 3rd time requesting this. 
XXXX. XXXX XXXX ( never applied ) XX/XX/XXXX XXXX. XXXX XXXX ( XXXX ) I did a settlement offer with them, the last representative lied to me and stated that once I paid the last payment, which was over {$1000.00} that it would be removed off my credit report. She lied about it, and I tried to dispute it because they couldn't provide me with signed paperwork, cause there are a third party, a company that buys individual accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX closed my account XX/XX/year>XXXX  because apparently they no longer service XXXX XXXX XXXX accounts. I never missed a payment, and always paid more than the minimum. I paid off the card in XX/XX/year>. I didn't realize this, but they charged a {$1.00} fee after my account was paid off. They charged this fee for three months and an additional late fee, until I received an email stating that my account was delinquent. I hadn't received a single email with an account balance ( though they said I should have ), and didn't receive any correspondence until the delinquent notice. I immediately went online and submitted a payment of {$7.00} to close the account ( once again ) I called XXXX and told them there must have been a mistake. They told me that it was in my customer disclosure that once I close the account, I must pay two payments even after the balance is paid off. I told them I didn't close the account, they did, but I still would have paid the {$1.00} and subsequent {$1.00} fees, had I known. Two weeks after I paid the remaining {$7.00} I received a credit notification that they reported my account delinquent. This dropped by credit score by XXXX points, while I'm working on mortgage qualification process. I immediately called them again and said there must be a mistake. They told me there was nothing they could do, even after I told them my account was NEVER late and they caught me on a {$7.00} technicality that I didn't know anything about. The representative I spoke with assured me that if I filed a dispute with the credit bureau, it would easily be resolved, but that XXXX has no ability to reverse their report. Well, I filed a dispute with Experian and was just notified that the delinquency remains on my report because XXXX certified it as valid. This is AFTER they lied to me and told me there is nothing they can do. Now Experian says I can contact the company directly and ask them to remove it, again after XXXX LIED to me and said they have absolutely no way to remove a delinquent report. This company is crooked, they LIE, and they absolutely must remove this negative action on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX / credit collections last reported XXXX XXXX, 2024 dispute was successful under LAW USC 1692 CC but item was not removed from account i request that the following credit collection be deleted.
Product: Credit card or prepaid card

I received a 30 day late payment on my credit back in XXXX of 2021. I explained that I had missed my payment because I started a new position and was going through a stressful period in life. I quickly corrected the mistake and got caught up on the payment. I even showed them bank statements that I had more than enough money in my account at the time the payment was missed and they still failed to see that an honest mistake was made and remove the late payment.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I ordered some products from XXXX XXXX. Four shirts, two earrings, two pairs of shoes, two pairs of earrings and a headband. They couldn't fulfill one of the shirts so they refunded it. When I got the package there was only one item in there... Pair of shoes. I emailed XXXX XXXX  and they said they would refund it and I opened a dispute with PayPal. PayPal is making it very difficult to get my money back, Even though the company said they would refund me. I sent PayPal all the information including the email. PayPal asked me to file a dispute with either the police department or the Iowa attorney general. I filed it with the Iowa attorney general and sent them the information. Still have yet to receive my refund even though I explained to them. I need the money. I needed clothes and I need the refund in order to do that for the stuff I didn't receive. I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they don't care!
Product: Debt collection

I'm writing to address a pressing issue with my credit file. I've noticed a collection entry from your agency that I was never previously informed about. I have serious concerns about the accuracy of this claimed debt. Under the Fair Debt Collection Practices Act, I am entitled to request debt validation. I am hereby exercising this right and ask that you provide the necessary validation and take steps to resolve this matter.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 a reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

AMERICAN EXPRESS CALLS MY HOME EVERYDAY AND NIGHT AND WEEKENDS DAILY ABOUT MY DAUGHTER DEBT THAT WAS IS IN BANKRUPTCY SINCE SHE FILED XX/XX/XXXX THEY GOT ORDER FROM HER LAWYER AND JUDGE NOT TO CONTACT US BY PHONE OR CALLS WHICH THEY DONT CARE THEY CALL MY HUSBAND CELL MY CELL MY HOME AND ETC AS I SAID IM SENIOR XXXX MY HUBBY XXXX AND WE DIDNOT MAKE THOSE CHARGES MY DAUGHTER DID WHICH SHE TOLD HER LAWYER THIS WE ARE LISTED AS CO DEBTORS BECAUSE WE HAVE HAD AMERICAN EPRESS PLATINUM CARD SINCEXX/XX/XXXX SHE HAD EVERYDAY CARD WHICH WAS IN HER NAME AND SS CLEARLER SHE MADE CHARGES AND PAID UNTIL SHE WAS UNABLE DUE BANKRUPTCY AMERICANEXPRESS IS GETTING OUT PAYMENT ON TIME EVERY MONTH AND MORE THAN WHAT IS DUE HOWEVER THEY ARE PITTING ME AGAINST MY HUSBAND BY TELLING HIM THEY WILL HAVE ME ARRESTED FOR ADDING MY DAUGHTER WHICH THEY HAD NO PROBLEM ALLOWING HER TO CHARGE AND MAKE PAYMENTS UNTIL THEY GOT HER COURT ORDER AND THE CALLS ARE NONE STOP DAILY SINCE XX/XX/XXXX I HAVE XXXX BAL ON MY ACCOUNT AND MY HUSBAND OWES BUT MAKES LARGE PAYMENTS SUCH AS XXXX FOR A XXXX PAYMENT BUT THEY STILL HARREST ME ON A DAILY BASICS MY DAUGHTER ACCOUNT IS UNDER HER NAME XXXX XXXX THEY CLEARLY SEE HER SS NAME AND CHARGES NOT BY ME OR MY HUSBAND HOWEVER THEY ARE TRYING TO SAY ITS MY HUSBAND RESPONSIBILITY I HAVE TO TAKE MORE MEDS THAN IM ON DEALING WITH ALL THIS CLEARLY THEY GOT HER BILL WRITTEN OFF AND NOW WANTS MY HUSBAND TO PAY NO WAY WE PAY OUR BILL FOR SURE BUT AS FAR AS MY DAUGHTERS NO SHE IS AN ADULT OF XXXX AND SHE TOOK CARE OF HER BILL BEST WAY SHE COULD PLEASE CAN YOU ALL HELP US GET THIS RESOLVED.
Product: Credit reporting or other personal consumer reports

I am requesting to formally dispute an inquiry listed on my credit report that I believe is unauthorized. I kindly request that you promptly remove this inquiry from my credit report.
Product: Credit reporting or other personal consumer reports

TRANSUNION, EQUIFAX AND XXXX XXXX XXXX CONTINUES TO RE-INSERT FRAUDULENT ACCOUNTS WHICH I HAVE SENT PREVIOUS PROOF OF THESE ITEMS BEING DUE TO IDENTITY THEFT. TRANSUNION, EQUIFAX AND XXXX XXXX XXXX  CONTINUES TO REPORT THIS FRAUDULENT ACCOUNT AFTER BEING SENT PROOF AND NOT PROVIDING ME WITH ANY WRITTEN NOTIFICATION OR PROOF THAT THIS IS NOT IDENTITY THEFT. I WILL BE ATTACHING : TRANSUNION DELETE LETTER OF FRAUDULENT ACCOUNT. 
MULTIPLE PROOF THAT THE ADDRESS XXXX XXXX HAS HAD FOR THIS ACCOUNT IS FRAUDULENT AND HAS BEEN REMOVED/DELETED FROM ALL DATA FURNISHERS DUE TO FRAUD.
Product: Credit reporting or other personal consumer reports

This is my first 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, remove 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 XXXXXX/XX/XXXX
Product: Checking or savings account

On Monday XX/XX/XXXX i applied for a Small business loan with SBA due to me have financial difficulties during this pandemic my funds was deposited on XX/XX/XXXX I went into the bank tried to withdraw funds They wouldnt allow me to get them they asked me for proof of my business I provided them with my tax schedule C form Because my business I do not have a EIN They wouldnt allow it
Product: Mortgage

On or about XXXX XXXX, 2016, I initiated contact with Quicken Loans because it was listed as at the XXXX XXXX XXXX XXXX XXXX website the country 's second biggest VA Guaranteed Loan supplier. On XXXX XXXX, 2016 the real estate agent supplied Quicken Loans via email a copy of the purchase contract I signed with a seller of a property I was interested in. On XXXX XXXX, 2016, Quicken Loans sent to its MyQL to do list a VA Loan Disclosures and Certifications document that included a paragraph numbered XXXX that states that : DO NOT BE MISLED! VA DOES NOT GUARANTEE THE CONDITION OF THE HOUSE WHICH YOU ARE BUYING, WHETHER IT IS NEW OR PREVIOUSLY OCCUPIED. VA GUARANTEES ONLY THE LOAN. YOU MAY TALK TO MANY PEOPLE WHEN YOU ARE IN THE PROCESS OF BUYING A HOUSE. PARTICULARLY WITH A PREVIOUSLY OCCUPIED HOUSE, YOU MAY PICK UP THE IMPRESSION ALONG THE WAY THAT YOU NEED NOT BE OVERLY CONCERNED ABOUT ANY NEEDED REPAIRS OR HIDDEN DEFECTS SINCE VA WILL SURE FIND THEM AND REQUIRE THEM TO BE REPAIRED. THIS IS NOT TRUE. IN EVERY CASE, ULTIMATELY, IT IS YOUR RESPONSIBILITY TO BE AN INFORMED BUYER AND TO ASSURE YOURSELF THAT WHAT YOU ARE BUYING IS SATISFACTORY TO YOU IN ALL RESPECTS. REMEMBER, VA GUARANTEES ONLY THE LOAN - NOT THE CONDITION. 
This clause that Quicken Loans demands that I stipulate directly contradicts the Minimum Property Requirements ( MPRs ) of Chapter XXXX of the VA Lenders Handbook- VA XXXX XXXX. Chapter XXXX outlines the MPRs that are required to be verified by the lender in order for the veteran to be able to buy a house without any needed or hidden repairs. Additionally, Chapter XXXX of the Lenders Handbook at XXXX clearly states that : An appraisal is required to help ensure that any property which will become the security for a VA-guaranteed loan has a value of at least as much as the loan amount, and is in a condition acceptable to VA. 

However, the relevant Quicken Loans clause states that it is not the VA that decides the acceptable condition that the property needs to be, but that it is the veteran that is responsible for the condition of the property. I attempted to confer with the Quicken Loans representatives purportedly helping me with closing the loan for a property located in XXXX NJ. However, these representatives persistently insisted that Quicken Loans does not request any inspections of the house to ascertain it meets the MPRs. These representatives insisted that only a VA Appraisal is needed and that the property does not need to be eligible to be Appraised as required by the Lenders Handbook at : XXXX Types of Property Eligible for Appraisal Lender Responsibility If the lender fails to exercise due diligence in determining appraisal eligibility, VA may deny or reduce payment on a future claim based on the ineligibility of the property. 
Properties not eligible for appraisal and other appraisal request restrictions are described in Sections XXXX and XXXX. 

Section XXXX of the Lenders Manual further states that the property must also meet the MPRs outlined in XXXX XXXX. 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

Majority of the information on my XXXX, XXXX, and experience credit report is fraudulent because it's incorrect information and amounts. And also the credit unions are a fourth party creditor. I did not give the third party an Express consent in order for them to put anything on my credit. The contract is between me and one other party and it is against the law for them to send my information to a third party without XXXX consent. So not only am I trying to get them took off for fraudulent information but to be opt out of their system that I did not give them permission to opt me in due to security breaches that they had within their company that allowed a fifth party to get a hold to my personal information. I believe that this fourth party company that obtained my information illegally is a wrist for my personal information.
Product: Checking or savings account

can td explain why i get this document from XXXX about frauding? who is frauding?
Product: Debt collection

The agency representative called my church and left a message that included his name and an account number. That call occurrred on Saturday, XXXX/XXXX/2015. Then, on Sunday XXXX/XXXX/2015, the same representative called during morning service at church and attempted to insist that I speak with him. I researched the company name that was given and found that they had called my home telephone number at least XXXX times and had not left a message of any kind. I am not aware of what debt, if any, that I owe this entity. Additionally, I do n't know how this company found out what church I attend and why they thought that they could interrupt my worship experience to address issue. Even if the debt is legitimate, Sunday morning worship, or any worship time, should not be interrupted by a collector.
Product: Consumer Loan

WORLD FINANCE CO XXXX XXXX XXXX XXXX, SC-XXXX XXXX could n't pay the loan ... and then years later got back on my feet ... was homeless after 11 year relationship passed away ... made my life not worth living for and to boot the workers bothering me over the phone XXXX you going to have the money and coming to my house and just dissing me anyay they can ... going to put me in jail ... my life will end ... of course i did n't want to go back there had enough issues weith the past death ... was my soul mate ...
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
has violated my rights. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. A ) Reporting information with actual knowledge of errors 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. 

There is a need to insure that consumer reporting agencies exercise their Grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items as soon as possible.
Product: Debt collection

Between XXXX XXXX and XXXX XXXX of XXXX, I used Out of State medical services that incurred XXXX medical bills. XXXX bills were for treatment at medical facilities, XXXX were for Ambulance rides and XXXX was for treatment during transportation. At that time I was covered by XXXX XXXX. I rec 'd medical bills but knew that my insurance would kick in so I did n't pay much attention. I worked for XXXX XXXX and was furloughed from XXXX to XXXX. I forwarded all my mail to my family 's home in California. Through divorce, changing jobs and being forced to move, I did n't look into my finances for sometime. About 1 year later in XXXX I realized that only XXXX of bills were paid. I contacted XXXX and they stated that the bills were being paid so I left it at that. Another year or so passed and I decided it was time to clean up my credit report from all the bills that were still showing as owed. After research, I discovered that the bills remained unpaid. I immediately called up XXXX and was told that the statute of limitations on the claims had passed and they were no longer liable to pay. After several years of disputing these bills, in XXXX of XXXX the final bill was paid. I was left with the co-payments for ambulance services. I paid XXXX of the ambulance bills in full plus interest to the debt collector to get it off of my credit report. ( Which is still actually on my credit report but shows a zero balance. ) It was approx {$270.00} in interest. The XXXX ambulance ride is stating that I owe approx. {$1100.00} in interest. I do n't think this is fair and want to know who is liable for this and how I can get this and all XXXX bills off my credit report.
Product: Credit card or prepaid card

I'm filing this report against Capital One because I have been a victim of identity theft and thus far Capital One have not done anything to complete my request regarding this issue. I have never opened an account with Capital One whether credit card or checking account because I do my business with my regular bank. This identity thief opened this account and abused it with Capital One and now I'm stuck with it. I contacted Capital One and informed them that I have never associated nor conducted any form of business with them however, they refuse to cooperate. They claim that they will file for a dispute and two days later close my dispute and they claim that the account is mine when I specifically told them that I have no association with this account whatsoever. I sent a written request to them that request the record of application with the said account and they replied to me stating that the account was not filed in person and it was done either through a phone or through internet. Therefore, Capital One is claiming there is no record of application that has a paper trail. If there is no paper trail then there should be a digital record of application which should be sent to me since I'm requesting it. Capital One is claiming that I opened the account when I clearly didn't because I learned about this account from my real estate broker months ago when I was in the market to purchase a house. I asked for the record of application to hand it to the police but Capital One is refusing to get anything done and at this point I'm suspecting that Capital One conducted illegal activity to open this account by their own bankers. I am not certain of this therefore, this is a mere hunch. I informed Capital One of an identity thief that is messing my life over. I informed Capital One that I'm a victim of identity theft and what does Capital One do they tell me you are responsible for this account because the identity thief used your information to open this account.
Product: Credit reporting or other personal consumer reports

I did not mean to dispute my XXXX XXXX XXXX XXXX since that is current and that is my account. I was moving too fast when I was going through my hard inquiries. I did not know that that was one of them. Please disregard since this account is mines and I have been paying on it on time. My last payment date was XX/XX/year>. Please do not dispute. Please leave open! Thanks But I do not recognize that XXXX XXXX  account, which is a revolving account for {$1000.00} And I do not recognize XXXX XXXX XXXX XXXX for {$2400.00}. The address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove that off my address as well since I have no knowledge of that or these credit card charges are fraudulently and not authorize. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review and note my perfect payment history speaks for itself, the reason I was late for these payments were extraneous circumstances, I did not receive statements.