23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX  XXXX  hosp/ XXXX XXXX XXXX XXXXeleased personal information to a third party that breached HIPPA laws in an attempt to collect a medical bill. The third party is CMRE financial services. The date reported is XX/XX/2018 in the amounts of {$280.00} and {$290.00}. I requested validation of the debt CMRE reported I owed and the company sent me an itemization of private medical records that I never authorized for release.
Product: Credit reporting or other personal consumer reports

A hard inquiry appeared on XXXX credit report and was blocked on another credit report which was already frozen. The inquiry was made by Capital one with my contact information. I have open accounts with Capital one, but had not applied for any new accounts. Capital one did not tell me what information was used on the new application under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX and XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Payday loan, title loan, personal loan, or advance loan

I've used Affirm in the past for many purchases, I've been using them since XXXX or XXXX with no problem at all. If I was unable to make the payment on that date, I would call up the company and inform them that my payment would be paid the following week. My payments have never went over a month or even two weeks. 

Affirm has a glitchy system that's in dire need of a face lift. You're able to do quite a bit through the app but it does come with some consequences. One of the options that you're given is to change your monthly payment date. In order to change the date, your payments have to be set on autopay. This particular loan that I changed the date on was for the XXXX of each calendar month. When I first got the loan, it was on the XXXX of each calendar month. As long as it was autopay, I would think that one would not have a problem, was I wrong. 

Faithfully on the XXXX of each calendar month, it would remind me that my payment was due..side eye. Each day after the XXXX all the way until the XXXX of each calendar month, I would receive, your account needs attention, please make a payment. Then, magically on the XXXX of each calendar month, the payment was automatically deducted from my bank account. This has been like this for more than a year with this loan and this is why I decided to file a complaint. 

Just because I have great credit, credit cards and a very decent paying job, I still want to take advantage of using services like Affirm. I have a husband that I'm trying to get to the US, we have a family that I'm trying to hold down the fort with and I use services like these to help stretch out other money for other uses. This is very misleading when you already have a plan in place to pay and it puts a strain on your credit as well as a trust system that you've established with the company. 

One of my loans is due on the XXXX of each calendar month and it comes out religiously. Instead of Affirm addressing why they have a serious glitch in there system, they're making it seem as though people like myself aren't keeping up with they're loan contract and until they can do that, no more loans will be approved. This is far from the truth. CFPB, ask for loan transcripts, conversations, calls, whatever you need to do so that I'm not looking fictional here. I've brought this to Affirms attention in the past and they didn't do anything about it. 

Either fix your glitchy, sketchy and ratchet system that you have or hire a tech team that will. To deny a customer that has a great history with you all due to there mistakes is extremely wild. I have such XXXX XXXXXXXX  regarding this matter, trust me I do. I rely on this service for international ticket purchases ONLY. To know that I have to possible go another route other than the one that I'm used to is causing me to worry about my ticket purchases past this complaint. 

I've paid way to many loans on time, way to much interest and to be a valued customer, for there system to sabotage my purchasing history with Affirm is ridiculous.
Product: Mortgage

I came out of forebearance and requested hardship and wrote a letter and signed a mortgage assistance form as request to my Mortgage Lender Citizens One.

I was granted a Loan modification to begin 4 trial payments, starting XX/XX/XXXX. {$2500.00}. 

The Problem I am having is the Mortgage Lender Citizens One... will not provide or mail me any new paper payment statement. I have numerous time, called the Lost and Mitigation department and have gotten the round around. The Loss and Mitigation dept. at Citizens One, say I need to contact customer service, then customer service says I need to contact the Mortgage dept, then the Mortgage dept says I need to contact the consulting dept, then Consulting Dept, sorry ... .but only the Lost and Mitigation department can correctly send you a new payment statement with the new loan modification so i can submit a payment. Other wise i am being told by the customer service that my payment is {$2800.00} ... and do see the new payment being change on their screens. 

Customer service has no records of the new payment being changed from {$2800.00} to {$2500.00}. So I keep going around and around in circles. I requested to speak to a manager at the Lost and Mitigation - the representative says - she can not transfer me to complaint to their manager ... that I need a new payment statement with my loan modification to show the payment {$2500.00}, Still I have not received any new payment statement to my address or at my email.

This load modiciation made to my mortgage is now for {$2500.00}. It is a trial to make 4 monthly separate payments of {$2500.00}, if i fail to complete the trail... .my home could go into foreclosure.

Another problem, is Citizens One, still have not provided me with years end 1099, i have numerous time... requested that be sent by mail or email to me ... to this day... they still have not provided this request. 

I also requested a Hardship to Citizens One due the death of the co-borrower ( joint ) account with XXXX XXXX my partner of 20yrs on the mortgage. 

XXXX XXXX died of XXXX and request Citizens One for relief until end of XX/XX/2022. I still have not heard back after I provided his death certificate and information obituary from the news paper. I signed the form for Mortgage assistant as requested by Citizens One.
Product: Credit reporting or other personal consumer reports

Im very disappointed to see unauthorized inquiries on my credit report today. This has never happened before, and I tried refreshing the page in hopes that it was a mistake, but the inquiries remain. Im asking for a careful review of the documents Ive submitted so I dont have to keep worrying about this issue.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I disputed the accuracy of this XXXX XXXX XXXX account on XXXX ending in XXXX XXXX. 
And for XXXX and Experian account XXXX. I was notified that this information was verified as accurate and correct. 

As of XXXX XXXX XXXX XXXX my latest credit report shows that their investigation still remains inaccurate which makes me question the validity and methods use by each agency seeing as how this information such as amount owed, payment history and date reported and last active date is still not correct. 

Each Credit report show something different for monthly payment, last reported date and date last active is different on each report and there is no payment history is either inaccurate or not reporting for XXXX or XXXX.. 

Under the fair credit reporting act I am owed accurate reporting and each agency has violated my rights reporting accuracy. 

Under 15 U.S.C 1681b I have never gave permissible purpose in writing to any credit agency. Also Under 15 U.S.C 1681a ( e ) I never received any information regarding how this account was verified and if the credit agency only means of verifying this account was by getting information from the furnisher then they have violated 15 U.S.C 1681a ( e ). 

Further more I asked each agency for proof of the permissible purpose with original instruction giving by me to this furnisher regarding permission to report. I also ask for proof that this furnisher gave me the disclosures stating I can opt in an out of any credit reporting at any time in the monthly order according to this law and I was met with resistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has missing tradelines from my credit report that was once on it. These missing tradelines include XXXX and XXXX. This missing information denies me the full financial responsibility for over a year of on-time payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Equifax to investigate SPECIFICALLY the Original Creditor listed on a collections account as it was originally disputed as unrecognized or account not mine. The original dispute came back as " verified ''. Thus, resulting in a XXXX  complaint and CFPB complaint. I was only able to determine who this company was and who they represented via XXXX complaint. The company, XXXX, stated they purchased an illegal loan from an illegal lender names XXXX. However, they are reporting Original Creditor as a XXXX XXXX XXXX on credit reports in an attempt to mislead and fraudulently utilize the credit reporting system to attempt to collect and illegal and fraudulent loan which I advised Equifax upon submitting the dispute to have the account at the very least updated with the correct Original Creditor. Equifax 's dispute results returned with only the status dates and balance dates " modified ''. I have also disputed with XXXX and XXXX  and they will NOT require XXXX to correct the Original Creditor. I have not ever had any contract with a company named XXXX XXXX XXXX nor ever heard of them. The documentation attached will claim that they " serviced ' the account in question however, that does not define a contract with or any indebtedness to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be remove from the 3 credit reporting agencies.

XXXX  1. Identity Theft XXXX/XXXX  Account XXXX  : XXXX This is not mine. 

2. Identity Theft AMEX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft AMEX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 


XXXX  1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft AMEX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft AMEX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft AMEX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft AMEX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Debt or credit management

Yesterday, XX/XX/year> I called Wells Fargo around XXXXXXXX XXXX to report my debit card being stolen and I had transactions from XX/XX/XXXX. That had been made on my debit card and they were unauthorized. After getting off the phone with Wells Fargo, not even an hour later my claim was closed with no explanation on why it was closed. So I called them back XX/XX/year> at around XXXX XXXX to see why the claim has been closed, and they stated that the claim was closed because they deemed that the transactions were authorized which they were not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX placed a hard inquiry on my credit report. 
XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX also appeared as hard inquiries on my report. 
I have never inquired requested or even heard of any of these companies which are located in several different states and I have no use for banking services I can't physically visit for assistance. I advised Experian and XXXX of my dispute via telephone and was told I must contact original creditor listed above. I contacted 3 of the above creditors to see how they got my information, they required my social security number, name and address to check for my information and I was told no record of me could be found, and they are unable to send any type of request to remove from credit report since they have no demographics or file with my information. 
I contacted Experian and XXXX XXXX again with information above and request to remove hard inquiries, I was told I must send written dispute and request inquiries be removed. 
I mailed 2 dispute letters to Experian, XXXX and XXXX XXXXXX/XX/XXXX and XX/XX/XXXX no response. I Called to check status on written disputes after 30 days on XX/XX/XXXX. No record of my dispute can be found with Experian, XXXX or XXXX XXXX. 
Called XXXX XXXX and XXXX again they still have no records of my dispute and are unwilling to help me get this resolved and remove these unapproved inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau is reporting a bankruptcy on my credit report. I disputed with Credit bureau only to get a generic response that they investigated and the company reporting the information verified that the information was correct. I contacted the company which was the bankruptcy court that the credit bureau provided. I receivable Lester from them stating they dont deal with the credit bureaus or report any information to them. I sent this letter disputing the information again only to get the same generic letter back stating theY investigated and the company ( bankruptcy court ) verified to them the information was accurate which is false. This company is reporting g false information and I want it removed from my credit report because it is hindering me from a job promotion. My next step will be legal council unless this credit bureau company provides me with the names of whom they spoke with to verify this information so that I may pursue it further.
Product: Debt collection

Seen this on my credit report company has no proof that this belongs to me at all. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit card or prepaid card

False charges all from XXXX XXXX. Two for {$17.00} and one for  {$12.00}, grand total {$48.00}. On XX/XX/2020 Capital One sent me 3 letters asking for me to call their support center for more information. I  did and was told, " never mind nothing more needs to be done. '' Capital One then rebilled these charges on XX/XX/XXXX. On XX/XX/XXXX I faxed Capital One referencing my case number XXXX XXXX and requested a credit into please stop asking me if I want to have a credit because this is request number 3 and yes I am disputing the claim however they rebilled me a third time! I do not know who targetdealz is. I want a refund of {$48.00} and I do not want Capital One question me if I am sure I want this done. I really do!
Product: Checking or savings account

I transferred {$8800.00} in a SAME DAY transfer to my Capital One 360 account. At the end of the business day, they said they still couldn't find the money. I called XXXX XXXX ( who I transferred the money from ) and they confirmed the money had been sent. I logged in online to confirm that the money was gone and that they had completed a same day transfer. Capital One still won't give me my money, which is a problem because I have credit card bills due tomorrow and I don't want to get charged interest and late fees.
Product: Mortgage

I called and email Newrez about setting automatic principal payment XXXX month ago still no information sent by mail or email
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : Even there is difference reporting status among all the 3 credit bureaus - XX/XX/XXXX & XX/XX/2017 - 30 days late ; I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Student loan

In my request for investigation, I provided proof that the ombudsman stated that I do not owe the debt as described by the XXXX XXXX XXXX XXXX. The letter that I received from the lender does not address that issue. They simple repeat the information provided by the school.
Product: Credit reporting, credit repair services, or other personal consumer reports

Addresses : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Hard Inquiry : XXXX XXXX XXXX Account : XXXX XXXX I do not recognize these things that are reporting to my credit file. please investigate and delete as soon as possible. 

My only address is XXXX s. XXXX XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters and never got a reply, I have called and never got anyone to answer just a repeating auto information, I am locked out of my accounts with XXXX and TransUnion. They are no help.
Product: Payday loan, title loan, or personal loan

I sent an email to them on XX/XX/17 requesting that I be able to close the account and continue to make smaller payments until paid in full and they never got back to me. Paying XXXX XXXX  interest is way out of my league!!
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company will not work with me. I asked to work with them on a settlement. Company was extremely rude and inappropriate.
Product: Credit reporting or other personal consumer reports

I want XXXX XXXX, XXXX and Equifax to immediately delete and remove all fraud alerts and security freezes from my XXXX XXXX, XXXX and Equifax credit report.
Product: Credit reporting or other personal consumer reports

WFB Acct XXXX XXXX XXXX XXXX Payoff XXXX balance WELLS FARGO BANK N.A. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Needs to update the credit agency
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX Upon a recent review of my credit report, I discovered unauthorized accounts that are completely unfamiliar to me. These fraudulent entries are severely obstructing my ability to obtain credit. It is imperative that these entries are removed immediately.
Product: Credit card or prepaid card

Hello, I have a NFCU credit card ending in XXXX and said company has reported to all three credit bureaus 7 ( 30-Day ) late marks. However became very ill wasn't able to work. I accumulated very high medical bills and was unable to maintain internet access to view my accounts.
Product: Debt collection

I requested an itemized bill be mailed to my address XXXX weeks ago which I never received. I had XXXX phone conversations with them after the fact, notifying them that the bill was not received and requested to have them send it out again which they refused both times. They said if I wanted a bill that I would have to physically come into their office and request it at their front desk.
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, TransUnion the XXXX reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XXXX under the account number XXXX and XXXX XXXX the account number XXXX and XXXX under the account number XXXX and XXXX  under the account number XXXX XXXX XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.