23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My name is XXXX XXXX I need my claim number Claim number XXXX to be reopen or re investigation or investigation again or turn into a new dispute and investigation again or give me a one time credit for {$470.00} because I disagree with the decision and I can't dispute it with XXXX and they won't help me get my money back or dispute it for me they told me to contact my bank and dispute it with them etc.My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : and my old account number is XXXX and my online banking XXXX XXXX
Product: Mortgage

1, We started refinancing for an existing mortgage through Bank of America ( BOA ) since XX/XX/2019. XXXX ( XXXX ) XXXX whose title is Financial Center Lending Officer is responsible for our case since XX/XX/XXXX, she locked the rate with 3.125 with {$5000.00} credit which committed to cover all the closing cost and fees ( appraisal fee etc ) and made commitment to us on XX/XX/XXXX that our case will be closed within 90 days. It was this commitment which made us chose BOA when comparing with other banks at that time. 
2, On XX/XX/2019, XXXX told us the appraisal indicated there is no co-detector in our townhouse which we actually have and it is same with the smog detector. This delayed the process and she even told us there may be a mistake for our appraisal on their side. 
3, On XX/XX/2019, XXXX gave us update that they were just waiting for underwriter for the final approval and our case would be closed soon. 
4, On XX/XX/2019, XXXX told us there was a fraud alert which was her mistake that she didnt fill in my SSN on BOA account. This directly caused our application been canceled by underwriter and she had to redo a new application for us. Till here 90 days has already passed. 
5, On XX/XX/2019, XXXX told us the second application was approved and they were just waiting for the transcripts from IRS. 
6, On XX/XX/2019, when we tried to check the application status with her, she told us she went to vacation and transferred our case to her assistant, XXXX XXXX, whose title is Mortgage Loan Coordinator. 
7, On XX/XX/2019, XXXX asked our permission to pull credit again since the last one was already expired. My credit score has already gone lower because BOA pulled my credit on the 1st time application. Additionally, we send documents again for explanation for co-detector during XX/XX/XXXX to XX/XX/XXXX. 
8, On XX/XX/2019, XXXX told us since the last appraisal has been more than 6 months old, they has to do a value re-cert, then the result shows they need to do another appraisal because of the market value decrease. He said he is working on help us avoid the second appraisal feel, but with no any updates till now. 

Overall we feel XXXX is very careless and irresponsible, which cause a huge loss of our side during the whole refinancing time. If we estimate the regular closing data at approximately 3 months ( from XXXX commitment ), but now 6 months have already passed, we have already lost about {$1800.00} ( {$600.00} * 3 ), and we had very bad experience during the whole time.
Product: Debt collection

I XXXX XXXX am reporting a deeply serious complaint against the entity of Asset Recovery Solutions , LLC, collections agency regarding there gravalicious and phony debt recovery approach in relations to a debt that has long, long ago reached it 's maturity date. 

Asset Recovery Solutions , LLC, and it 's shared affiliates unscrupulous approaches to recover a debt that was originally taken out for {$2500.00}, between the year XXXX, and XXXX has long been updated and removed from all three major credit bureaus, through multiple disputes regarding many unfair charges etc. And therefore, such, debt has no genuine merits for any types of collection recovery etc. 

In addition I vividly remember filing multiple disputes to have this debt removed particularly from XXXX, files which was done two to three months before its removal month and year, with that being in the month of XX/XX/XXXX, and which was shared with me by a live customer service representative person on a called in over the phone through my initials of verification etc. 

In my closing out now, and complete analysis regarding Asset Recovery Solutions , LLC, and whether there acting solo, or in connections with it 's counterparts to collect on a debt that has long passed it 's statues of limitations, and that has long been exhausted on it 's recovery time frame which would surely be deemed as extortion 's, ugly conspiracies to entrapment 's, tactics of manipulations, major monkey businesses, along with ethical fallacies, rhetorical fallacies, and rationale fallacies which many, many consumers in the business world and societal marketplace would deem such disturbing actions as non de minimis, and which is for surely reprehensible at all major levels etc. 

In further, I am quiet frankly, appalled and incredulous by all these criminal activities by Asset Recovery Solutions , LLC, and it 's affiliates which are deeply troubling, and deliberately deeply disturbing, and with deeply intentions of culpable negligence. And as such, this entity and it 's affiliates whether they 're again, acting solo or not should be held accountable and responsible for all their collective despicable actions for trying to take advantage of me, and perhaps many other potential consumers in the marketplace etc. 

These types of phony business conduct causes debt restart on debts that has long been eclipsed in the societal business world and marketplace which causes many other major effects unjustly on many consumers etc. And as such, I implore for all body of governments, and all entities of consumer watch dog groups to reward Asset Recovery Solutions , LLC, and it 's acting affiliates with stiff penalties of justices at all major levels in general etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX, XXXX, Experian credit reporting agency , to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXX  XXXX for {$550.00} & XXXX for {$2300.00}. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trado Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year>XXXX  My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Last XX/XX/XXXX, a company conducted a hard inquiry on my account. I've never heard of or had any dealings with this company. I reached out to XXXX and went through their fraud department to have it removed, and I also froze my account. 

In addition, I filed a report with my local police department. Upon calling the number listed on my credit file, I found that it was disconnected ( see attached ). 

There was a name, XXXX XXXX, associated with the XXXX inquiry, but my research on this lead reached a dead end. Upon reviewing my credit report again, I noticed that the same company made another hard inquiry on XX/XX/XXXX. I contacted XXXX again and filed an additional fraud case. They advised me to report the incident to ftc.gov and file another police report. 

XXXX is puzzled as to how a hard inquiry was possible despite my account freeze for the past year. 

I am uncertain about this company 's intentions, but their repeated hard inquiries on my credit report suggest they may be deliberately trying to damage my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL " CRA '' REFUSE TO ADD MISSING ACCOUNTS ( XXXX XXXX ACC # XXXX, XXXX ACC # XXXX AND XXXX XXXX ACC # XXXX ) TO CREDIT FILE AND ALL STUDENT LOAN REPORTING INCORRECT ( 11X ) DATA OF THE SAME PAYMENT HISTORY NOT UPDATED " OK '' STATUS/ " R-1 '' AND NEVER LATE
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX  ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future.
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again. 

I want all of my credit freeze/unfreeze costs paid for with all bureaus as well as compensation for credit monitoring for as long as this breach of confidential data remain a risk for me, which is forever if my name/DOB/SSN/DL # has been exposed - or at least as long as this industry keeps treating an SSN and a smattering of largely disclosed and/or public information as a private key.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

XXXX5 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Product: Debt collection

I was referred to this office by primary doctor with an appointment date of XXXX/XXXX/2014. My insurance information and ID was provided. I paid a {$35.00} copayment at time of visit. Was not advised of any other charge or amount due. A procedure was scheduled to be performed at an out-patient facility on XXXX/XXXX/2014. On the day of the procedure I was not advised or informed on any additional cost involved. My wife received a phone call several months later asking me to call the billing office. The message was given to me and I returned the call but was unable to speak to anyone and had to leave a message disputing the debt. The business claims billing statements were mailed but none were received by me. I had no knowledge of any outstanding amount allegedly due until I found a collection account on my credit profile. I had to reverse track the collection agency name and original creditor name through the credit report. I have contacted my insurance company and they investigating the charges and amounts that are claimed to be due. I, in good faith, contacted the billing office and was willing to pay the amount the office claims is outstanding and then be reimbursed by the insurance company for any over payments. 
My HIPPA privacy rights have been violated due to the release of my personal medical information to a third party to which I did not authorize. 


I have made several calls to XXXX office of which I have made not and clearly they are making false statements regarding the contents of these calls. I also sent a rescission of the authorization for payment to their office. I received no return mail so it is apparent they received the written rescission. 
Additionally, I believe XXXX office is acting as a collection agency and referencing FL Statutes as such without following the requirements of the FCRA. They have never stated they were a collection agency or they were attempting to collect a debt as such. Furthermore I never received communication of right to dispute.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX  Debt XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Debt collection

I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I didnt give permission to Designed Receivables for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

I advised the credit reporting agency is breaking the law and asked for the inaccurate account be deleted and removed from my credit profile.
Product: Checking or savings account

On XX/XX/XXXX, check # XXXX was written to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in the amount of {$130.00}. This check was intercepted internally within the Postal Service and has since had two fraudulent checks created from the banking information on the original check. 
Fraudulent check # XXXX was written on XX/XX/XXXX in the amount of {$8100.00} to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This check was cashed at a XXXX  XXXX XXXX. To note : when endorsed, subject spelled the name incorrectly as XXXX XXXX. 

Fraudulent check # XXXX was written on XX/XX/XXXX in the amount of {$16000.00} to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This check was deposited at a PNC Bank. 

The fraudulent checks were written cumulative in the amount of {$24000.00} which we have yet to recover as both banks are trying to deny any type of liability. The reason given by both banks is that the liability was not caught by us within 24 hours of the withdrawal. As a small business, as well as a banking industry, there has to be a better way to protect ourselves to these types of crimes. Any assistance in the recovery of these funds as well as the prosecution of the involved parties would be the most favorable conclusion.
Product: Debt collection

I am a victim of identity theft committed by XXXX XXXX XXXX, who used my social security number to obtain credit and employment. I submitted a police report and this criminal was subsequently arrested. However, I continue to receive nonstop phone calls from debt collectors for her debt. The most recent offender is XXXX XXXX XXXX, which calls me numerous times per day.
Product: Prepaid card

On or about XX/XX/2023, I saw an ad on XXXX for a bedding product. I thought that XXXX screened its advertisers so I thought it was safe. I used my Cash App card for the purchase of {$61.00}. A few days went by and I had not heard anything from the company. I didn't even get a confirmation of my order. So I emailed the address the shop provided for order inquiries and did not receive any response. I wrote approximately 3 times, then decided to open a dispute with Cash App. A few days later Cash App denied my dispute. They had not even contacted me about the dispute before denying it. I asked their customer support why my dispute was denied and they informed me I would find out the reason by email. A few days later I received an email from Cash App telling me the reason my dispute was denied was " card not present ''. That made no sense. No, the card was not present, it was an online purchase. But it was present enough for Cash App to give them my money. Then I go back to their app to dispute it again and it will not let me. When I click on the transaction it says " After further review, it appears that the merchant fulfilled their obligations for the goods and services associated with this transaction. As a result, your dispute has been denied ''. Upon further research of the merchant, it appears to be a huge, widely known scam. I can not believe that Cash App was not aware of the scam, and took their side over mine immediately. XXXX, a reputable company tried to put my monthly subscription through Cas App, and the transaction was " denied for my protection '' XXXX complained to the XXXX about this and though Cash App responded we did not resolve anything. Cash App responded to me by email telling me to file a new dispute and send all of the documents I had sent to the XXXX to them again ( though the XXXX just provided them with copies ). I was going to do that but there is no way or option to file a new dispute. The man who responded on behalf of Cash App said I could reply to the email directly. I have sent XXXX emails so far asking how I do a new dispute and I've yet to get a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number : XXXX and XXXX  Account Number : XXXX have violated my rights. 

15 U.S.C 1681 section 602 States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, ( DOB ) XX/XX/1989 HAVE SENT MUTIPLE FAX REGARDING THE INCONSISTIES WITH MY BIRTHDAY AND ADDRESS, IM REQUESTING THAT MY BIRTHDAY BE UPDATE TO XX/XX/1989 AND MY ADDRESS TO BE UPDATED WITH XXXX XXXX XXXX XXXX XXXX MI XXXX, I WILL LIKE TO VERIFY MY INDENITY WITH EQUIFAX, XXXX, XXXX WITH BOTH UPDATE ITEMS THANKS IN ADVANCE ... .ALSO XXXX XXXX XXXX XXXX MI XXXX SHOULD BE DELETED ....