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

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Prepaid card

I have a prepaid mastercard gift card through US Bank. I have an unauthorized charge for {$140.00} that drained my remaining balance all but {$0.00}. I called the number on the back of the card and they told me to fax my SSN and ID over to a specific number. I do not have a fax machine but also am very frustrated they requested this info. They then told me it could take 90 days to resolve. I submitted a claim on the XXXX website but have no way of checking the status. This is very frustrating to have {$140.00} taken from me and I feel there is not a chance I get the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

The hospital    XXXX   XXXX   XXXX   XXXX   erro neously billed me for procedure in the amount of {$1200.00} My son   XXXX   XXXX   XXXX   and  one  of the many doctors who saw him  in ER w as not an  XXXX  provider ... we had no idea about this at the time ... after several attempts to clarify with  XXXX  i then worked with  XXXX .  XXXX  reissued the explanation of benefits. In the interim,  XXXX  sent the bill to collection attorney  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . I contacted them and informed them of the error and they made note in the file. I then received a notice in the mail from  XXXX  County New Jersey  Court  case #  XXXX  saying I needed to be in court. I was very worried and set up a conference call between the collection attorney and  XXXX .     A few weeks later i received revised explanation of benefits from  XXXX  saying the amount i actually owed was {$700.00}. Then i received another letter from collection attorney saying there was a " one time '' incentive program with the hospital and I owed {$370.00} which i immediately paid. However, my credit took a huge hit and it is still saying on reports that the claim is still open. How do i correct this misinformation? thanks you
Product: Debt collection

On XX/XX/2021 i seen an account on my credit report from a company called TITAN RECEIVABLES, INC account number XXXX and noticed that this account did not look familiar to me and did some research which this account does not belong to me and is the result of Identity theft. I have have applied for any type of auto loan with this company nor have i have given anyone permission to obtain a loan or vehicle there. please see attached supporting documents to delete this account from my credit immediately.
Product: Mortgage

I AM ATTEMPTING TO AVOID A FORECLOSURE SALE BY APPLYING FOR MORTGAGE ASSISTANCE. MY SERVICER, NATIONSTAR, HAS NEGLIGENTLY PROCESSED MY MORTGAGE ASSISTANCE REQUEST. I VERBALLY WAS NOTIFIED THAT I WAS DECLINED AND I WOULD RECEIVE THE DETAILS FOR THE JUSTIFICATION BEHIND THE DECLINE IN WRITING IN THE MAIL. IT NEVER CAME. AFTER SEVERAL ATTEMPTS OF COMMUNICATING WITH NATIONSTAR AND ASKING OVER AND OVER FOR A WRITTEN DENIAL, I WAS INSTANTLY PROVIDED A DENIAL LETTER VIA EMAIL ON XXXX XXXX, 2015. THE DENIAL LETTER WAS BACK-DATED TO XXXX XXXX, 2015. I AM REVIEWING FOR A POSSIBLE APPEAL FOR THE DENIAL, HOWEVER, I WAS VERBALLY INFORMED THAT MY XXXX DAY RIGHT TO APPEAL IS ABOUT TO EXPIRE BECAUSE THE TIME CLOCK STARTED XXXX XXXX, 2015 XXXX THE BACK-DATED DATE ). NATIONSTAR DID NOT PROVIDE A DENIAL LETTER IN A TIMELY MANNER. WHEN THEY DID, THEY BACK-DATED THE LETTER. NATIONSTAR IS DENYING ME THE RIGHT TO A XXXX DAY APPEAL PERIODL
Product: Credit reporting or other personal consumer reports

I am filing a compliant against Equifax for failing to properly investing my disputes regading the inaccuracies in my credit report.Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thoroygh investigation.This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C1681! which mandates a reasonable investiongation of disputes. Furthermore Equifax, s actions may also contrave the Consumer Finanical Protection Act ( CFPA )
Product: Debt collection

Experian.com is reporting incorrect information on my credit report. 

XXXXXXXX XXXX XXXXXXXX has put a derogatory remark on my credit report. I have never done business with XXXX XXXX XXXX and have no contracts and have never had any contracts with this business. XXXX XXXX XXXX has been disputed off of my XXXX and XXXX credit reports. This is a final warning against Experian to remove this negative remark or I will have my attorney sue Experian for damages. Original creditor XXXX XXXX XXXX account # XXXX Collection account. {$660.00} past due as of XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have had my credit reports from equifax XXXX XXXX all have pulled my personal credit report from mulitple sources over XXXX times since XX/XX/2021, I have not authorized these credit pulls
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not properly investigate my dispute of an old XXXX  XXXX account that now belongs to XXXX in their " investigation '' they researched and updated my other XXXX XXXX  XXXX  accounts that has nothing to do with the closed XXXX  XXXX account that I was disputing. Their can't be more proof they don't do proper investigations. I have disputed this no less than XXXX  times in the past XXXX years and the status date still says XX/XX/2017. This is ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has reported the below accounts to my consumer report. This is a violation of my rights pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). I never gave Equifax any written instructions to do so. Equifax has also failed to exercise its grave responsibility to respect my right to privacy for its profit. The reporting of this information has ruined my representation as a consumer in commerce. It has made it difficult to purchase a home and receive above-par medical treatment as a living human being. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy.

15 U.S.C 1681b Section 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

Due to financial hardship, we requested a loan modification agreement from Selene Finance. The new loan terms that we received on XXXX/17 were worst than the original loan. We were asked to pay {$3000.00} by XXXX/17. In addition to {$1500.00} on XXXX/17, plus {$1500.00} on the first day of the next six months. The loan modification also increased our interest rate from 4.25 % to 5.5 %, over 40 yrs. instead of 30 yrs. We spoke with loan agent, XXXX XXXX on XXXX/17, and informed him that these terms were awful and requested to have a reinstatement quote sent instead. ; We further requested to pay the reinstatement lump sum and keep our current loan terms. XXXX said I should receive the reinstatement quote by Monday, XXXX XXXX, 2017. I still have not received the quote as of today, XXXX XXXX, 2017, although an agent this morning said that it was sent or may have gone to my spam account. I reiterate, I have not received such correspondence. I 've called my loan specialist, XXXX XXXX and still have not been issued a reinstatement amount. The agent this morning was kind enough to inform me that a foreclosure date of XXXX XXXX, 2017 had been activated. My complaint is that Selene Finance is not truly working to assist the home owner. In fact, it appears that they are working to accelerate the foreclosure procedures against us. I have provided documentation validating our hardship and loss of income. I can not understand how or why the lender would impose more strenuous financial terms in the revised loan modification.
Product: Credit card or prepaid card

COMENITY BANK SITES ARE DOWN FOR ALL OF THEIR RETAIL CARDS- THEY HAVE OVER 100 RETAIL CARD ACCOUNTS AND MILLIONS OF ACCOUNT HOLDERS. ALL OF THEIR WEBSITES ARE DOWN- YOU CAN NOT MAKE PAYMENTS ONLINE AND YOU CAN NOT CONTACT CUSTOMER SERVICE THEY HAVE A PLANNED SYSTEM UPGRADE THAT HAS TAKEN THEM COMPLETLY OFFLINE FOR 5 DAYS NOW. 
THEY ARE UNRESPONSIVE AND WITHOUT EXPLANANITION FOR WHAT IS HAPPENING-FEELS LIKE AN UNDISCLOSED DATA BREACH WHILE THEY ARE TRANSFERRING THEIR FUNDING STAKE TO BREAD FINANCIAL.
Product: Debt collection

Pursuant to 15 USC 1692g American Honda Finance Corporation d/b/a Honda Financial Services is to provide me a written notice with the following information - ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Because I, the consumer, never received such written notice from American Honda Finance Corporation d/b/a Honda Financial Services, on XX/XX/2021, I sent a request for Validation of Debt for the account via USPS Certified Mail, return receipt requested, pursuant to 15 USC 1692g, because I believe the debt is an alleged obligation and disputed its validity. American Honda Finance Corporation d/b/a Honda Financial Services is in receipt of this document as verified by USPS return receipt. As of XX/XX/2021, over 30 calendar days since the date of the Validation of Debt letter, American Honda Finance Corporation d/b/a Honda Financial Services has not responded in regard to the Validation of Debt letter nor have they provided proper validation of the alleged debt. This is an individual act against 15 USC 1692g. Due to American Honda Finance Corporation d/b/a Honda Financial Services lack of response XXXX the alleged debt is not validated
Product: Credit reporting or other personal consumer reports

In Accordance with FEDERAL and my states reporting regulations, each any and ALL aspects of each any and all claims reporting, including those of each any and all data points ( i.e., data fields ), HAS AT A VERY MINIMUM THE HOPE AND EXPECTATION THAT ITS details ARE undoubtably well corroborated to be reasonable, true, ACCURATE, TIMELY, ADEQUATELY unabbreviated, KNOWN TO BE MINE, VERIFIABLE, PHYSICALLY VALIDATED, AND IN ADHERENCE TO CREDIT REPORTING INDUSTRYS STANDARD ( XXXX ), certainly to a degree of no lesser than a MAXIMUM POSSIBILITY! 

Surely, if the reporting procedures and or processes are potentially derelict or otherwise not authenticated, then there can be no precise certainty of a claims nor claimers absolute satisfying of the minimal constraints to assume privilege of lawful reporting. Therefore, the reportability of any such claims reporter is and should be contested, and a denouncement should be made for the XXXX to prove indisputable and certifiable COMPLIANT each any and all of the claim ( s ) and each any and all aspect ( s ) of said claim ( s )!

Remove NOW the below listed claim ( s ) failing to meet minimal criterion for the alleging data reporting furnisher to have assumed PRIVILEGE to report. I contest the reportability of any and each claim from which the claimer fails to accept my argument and fight against proving undeniable all facts of the allegation ( s ), even to the necessary reporting formalities mandated to be attestably compliant, particularly in relationship to the obligatorily used and perfectly complete XXXX XXXX Compliance standards as dictated by the CDIA in its near-annual CRRG where 3-4 states, ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. 

I contend each contesting and query you for absolute certifiably compliant demonstrated document evidence of facts made by me in this letter is in regard to a reporting that was with at least XXXX or more deviations, thereby calling into doubt its possibility of being made known to the mandatory degree no lesser than that of a MAXIMUM credible ACCURACY and a MAXIMUM achievable COMPLETENESS! 

The following is suspiciously believed : REMOVE NOW, or PROVE certifiable complaint reporting was physically verified and validated as accurate each any and all supposed claims below for which I now contest the data furnishers privilege to report and that of any potential accepting data repositorys privilege to gather and make available for prospective reviewers of my consumer credit profile history and/or creditors
Product: Mortgage

Everything was good at the beginning I had a wonderful Home Lending Advisor ( XXXX XXXX ) who called immediately after putting in my application online on XX/XX/ - I had preapproval the same day. I found a house a few days later put in the purchase contract had a closing date set for XX/XX/. However 3 days before the closing I was told by my client care specialist ( XXXX XXXX ) it wouldnt happen but I wasnt given a clear explanation. Okay fine this happens but then it kept happening - see detailed summary below ). 

Before my client care specialist went on vacation on XXXX, she advised she was escalating the additional appraisal. I got word it was approved ( to be performed ) on Monday XXXX 

My advisor was on vacation I was using her backup ( XXXX XXXX ) when I agreed to put 20 % down to stop the additional appraisal from happening on XXXX. I was told the appraisal hadnt been scheduled yet at this point. However by Friday XXXX the appraisal had been completed the appraiser told the sellers agent his firm received the request on Wednesday or Thursday of the same week. 

For a few days I had no updates on a new closing even after putting the 20 % down. 

I received and handled multiple digital requests for documents I had already provided but not a big deal I just sent them again. They have a portal for uploading documents ( you can only upload documents to opened tasks ) but I dont understand the point if Im dropping them in a secure link ( that I always have to ask for ) via email. 

My real estate agent ( XXXX XXXX ) reached out to chase via chases XXXX on XX/XX/. He got an immediate response and I received a call from escalations the same day. 

When I spoke to Chase escalations ( I believe on either XX/XX/ or XX/XX/ ) they chose their wording very carefully but insinuated chase dropped the ball. They explained the additional appraisal was required by the third party mortgage insurance because the initial appraisal was only done on the exterior ( a drive-by appraisal ). 

On XX/XX/ Im sitting in the closing attorneys office at my 3rd scheduled closing. We go over the all the paperwork but the disclosure isnt correct, Im being charged for the additional appraisal that I was told on XXXX  that I wouldnt have to pay for it. We called customer service, tweeted, calling my advisor, and calling my advisors manager. We eventually got ahold of the manager ( XXXX XXXX ) who said to remove the additional appraisal ( and its rush fee ) they could send it back to underwriting but he couldnt guarantee a new closing date ( which didnt work for me as in a few days Id no longer have a place to live ). I suggested Chase refund me the appraisal and associated fees so I could close the loan as is on that day. The manager needed approval for agreement from his upper management and sent the email confirming the agreement. However once I received the check they noted it as customer satisfaction refund which can affect my taxable income ( I was not informed of this ). 

Also I never received the chase closing guarantee ( that seems like a scam to lure in potential customers ).
Product: Credit reporting or other personal consumer reports

I disputed an account in collections on my XXXX report. This account was paid in full and I have the receipt and emails with the company to prove it. I tried to upload the documents but their website wouldn't take it. I tried calling but was not able to speak to anyone or leave a message. I put the documents in the mail and sent them registered mail. They will not arrive until XX/XX/year>. I filled out the dispute this past weekend, the XXXX or XXXX of XXXX. So they spent 1 day to judge me guilty and say the account is verified. So the creditor, XXXX XXXX, their attorney 's, XXXX XXXX XXXX XXXX XXXX must have all submitted false information today.
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 rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX # XXXX XXXX XXXXXX/XX/XXXX # XXXXXX/XX/XXXXXXXX # XXXX XXXXXX/XX/XXXX# XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXX/XX/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 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing XXXX XXXX XXXX  in the past and i finally got XXXX  to do a real investigation on XXXX XXXX at XXXX XXXX to see if it was a real company. the results came back that its absence of existence. this is considered a Phantom Debt, because the company that there claiming to collect a debt for is non existent. i would like this removed this from my credit report just like XXXX  has done with there  investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in multiple complaints in regards the these accounts. Equifax flat out refuse to prove or make sure that my accounts are 100 % accurate! The employees and supervisor I spoke with gave wrong information and refuse to look into these reoccurring complaints that were never solved! Delete these Accounts ASAP!!! I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Garvens ( Mo ) 281 SW715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Please delete the following accounts DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX US DEPARTMENT OF EDU XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a complaint with the XXXX  on XX/XX/XXXX, in which the company " GRID ( Acct # XXXX  ) '' replied on XX/XX/XXXX stating : " We received your XXXX  complaint and would love to address it here. Our record indicates you unlocked a {$70.00} credit line on XX/XX/XXXX. I'm sorry to hear you forgot about it. It was delinquent from XXXX to XX/XX/XXXX, which is why you were considered late for these months. Here is what we can do and the recommended next steps : Once your outstanding balance with Grid is fully paid off, we can move forward with closing your account with us and we will update the status for the previously reported months to Current as a courtesy. If you would like to proceed, please write back to us after keeping your Grid Card and Credit Line balance at {$0.00} and all subscription fees paid up to date. We will move to the next step from there. Since you have multiple overdue subscription fees, you will benefit from the {$25.00} promotional offer we have right now. We can void all overdue fees for a one-time fee of {$25.00}. Please feel free to proceed by clicking " Pay Now '' at your convenience.Thanks, Grid Team ''. 

I then made the payment on XX/XX/XXXX and immediately after, I received this message : " *** Grid+ Membership Cancelation Confirmation*** Rest assured that I respect your decision and have canceled your Grid+ membership. I'm sorry to see you go. Please keep us in mind if you need financial assistance again in the future! If you would like to reactivate your subscription later, you'll be charged a {$5.00} reactivation fee and your subscription cycle will start over again.We will work with our Credit Reporting team to get that updated for you. Please be aware that it will take time as our team will have to report the update. It will also take time for the Credit Bureaus to get it updated as well. You may not see the changes reflected until the next 1-2 credit report updates. '' I have not received any confirmation as to the status being updated current as initially informed of by a GRID representative. This is harmful to my credit and needs to be rectified immediately and the the craxiest part is I'm unable to speak with a live perdson because everything is done via email.
Product: Bank account or service

My debit card was lost recently. I am a waitress, which means my only source of income is cash. Without my debit card I have no way of depositing this cash into my account to maintain my balance. In the past few days while waiting for my replacement card, I have had a few automatic payments taken out of my account which have sent my account into overdraft. Because of this I now have {$200.00} in overdraft fees. {$200.00} is over half of what I make in a week, which means I am now unable to pay my rent and some bills. I have spoken to a wells fargo agent over the phone and they said they were unable to waive the fees because they were valid.