23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally express my dissatisfaction with handling my recent medical bill for services provided at XXXX XXXX XXXX. Despite providing the correct insurance information at the time of service, I have not received a bill outlining the specific dates of service or any documentation of the claim rejection from my insurance company. It is unacceptable that my account has been erroneously sent to collections for services that my insurance should have covered. 

This situation is deeply concerning for the following reasons : XXXX. Incorrect Insurance Billin : I provided my correct insurance information at the time of my visit, yet your office failed to bill the appropriate insurer. This error has created undue financial stress and placed an unjust burden on me as a patient who has complied with all requirements. 

XXXX. Lack of Assistance : Despite multiple attempts to resolve this issue, I have received little to no support from your office in correcting this mistake. Your team has failed to resubmit the claim to the correct insurance company or provide clear guidance on moving forward. This lack of responsiveness has unnecessarily prolonged the situation. 

XXXX. Account Sent to Collections : My account has been sent to collections due to your offices failure to address the billing issue adequately. This has not only caused severe stress but has also negatively impacted my credit ratingan avoidable consequence stemming entirely from mishandling on your end.
Product: Payday loan, title loan, personal loan, or advance loan

I disputed the missed and/or late payments on my negative accounts because I've never been late or missed a payment. All they said was that these accounts were confirmed as accurate. They provided no proof and didn't update anything. 

BK OF AMER Unsecured loan with account # XXXX BK OF AMER Unsecured loan with account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm applying for a mortgage and the bank " Local government Credit Union is getting an alert from Equifax that there is a Block creating multiple files. I have called Equifax XXXX several times and the automated line says my personal information is incorrect and wont let me speak to a live agent. So I'm not able to speak to anyone at Equifax to see what is wrong with my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi This is XXXX XXXX. I have to report against Transunion, I have no payment missed in last 6 years, still Transunion discriminating me and not updating my profile. I have whole credit report and did not show up any missing payments but recently I have applied it shows this Delinquent or derogatory status on accounts is too recent Too many bankcards with high balance compared to credit limit Not enough available credit on revolving accounts Lack of first mortgage account information It is also showing 31 % Credit usage, why delinquent account too recent, XXXX, XXXX does show other issues but never showed delinquent and Transunion keep dropping my score without any warning, I have never missed any payments as XXXX  and XXXX  in last 5 years, why Transunion reporting wrong information to creditors or lenders? in last 6 years never missed any payments, XXXX was in collection but has been removed, no medical bills I owed as I got annual credit reports. TU is keep lowering my score and they have big variations in their score calculations as compared to XXXX  and XXXX. TU is just  discriminating me and informing lenders " DELINQUENT OR DREGATORY STATUS ON ACCOUNT IS TOO RECENT '' Can TU explain where is " TOO RECENT ''? All three bureaus are discriminating people and not reporting correct information. Investigate this matter immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is either the third or fourth year that I have not been able to obtain my free Credit Report from Equifax. At first I thought the issue was because of the data breach and that their system was not working. However, in reviewing your website, there is no mention that consumers can not obtain a Credit Report from Equifax, free or otherwise. 

XXXX XXXX XXXX XXXX XXXX website take me through to the 4 security questions asked by Equifax and then, it keeps telling me that I must submit my request in writing. I've submitted my request via the Form, in writing in the past and it seems like once they receive the mailed in Form and my letters with the requested information, it goes through some loop where Equifax just keeps asking for the same information over and over. -- BUT, I don't ever receive the Credit Report. And now I'm going on either three or four years without a Report from Equifax. 

Therefore, 1 ) I'm being denied my Free Credit Report and 2 ) I have no idea what is being reported or 3 ) I have no idea if the information being reported is even correct. 

Please note, I have zero problems obtaining my Free Credit Reports from XXXX XXXX and XXXX.
Product: Mortgage

My loan was a XXXX XXXX loan and was a 10 year interest only. I have been trying to modify since this loan was serviced by Aurora. It was then transferred to Nationstar. So I have been trying since 2011. They have now added the principle and the amount is too high for me to afford and the last denial stated I was denied because I was current with my loan and that I have sufficient income and assets. This is far from the truth. They added almost a XXXX to my payment to include this as principle. So now my payment is like XXXX. My take home pay is XXXX, The money I have in the bank is what I owe now that I am behind since XXXX and I have been saving so I can make at least XXXX payment. If I was modified at the time or any time prior to adding the principal I would not have fallen behind. If you look at my payment history, I have fallen behind and shows that I have been struggling for awhile to keep my payments. I even got help from Keep Your Home California with the reinstatement but NO modification. I am not asking for a free home but I just want something I can afford. My wife takes home about XXXX and we have XXXX child XXXX years old. This is our community and where my son grew up. I need your assistance with XXXX XXXX and Nationstar. The only assets I have is in a retirement account and they are using that against me. What will I do when I do retire?
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Violation of 15 U.S.C. 1681b ( c ) Verifiable Proof/Documentation of My Non-Existing Authorization/Signature DEMANDED Name :  XXXX XXXX Last Four Digits of Social Security : XXXX  Violation of 15 U.S.C. 1681b ( c ) : Unauthorized/Unlawful Hard Inquiry Offending Company : XXXX Date Placed on Credit Report : XX/XX/2018 Credit Bureau : Experian Dear Sir or Madam : I write this Complaint in a good faith effort to resolve the issue of this unauthorized/unlawful inquiry referenced above. Please note that this is not an acknowledgment or acceptance of said inquiry, as I did not seek credit with XXXX. Nor is this a waiver of my right to dispute this inquiry pursuant to and as allowed by 15 U.S.C. 1681 ( The Fair Debt  Collection Practices Act ). 

I recently received a copy of my Experian credit report. The credit report includes this unauthorized/unlawful credit inquiry by XXXX. I understand that, pursuant to 15 U.S.C. 1681b ( c ) governing transactions that are not initiated by consumer, XXXX and Experian, as the credit reporting agency, are prohibited from placing an inquiry on my credit file unless I have authorized it. As I absolutely have not authorized anyone at XXXX to review my credit file, please ensure XXXX   and Experian remove this offending inquiry from my credit file/report as it is damaging my credit rating and hindering my ability to establish credit. 

I have attempted to resolve this matter directly with XXXX and Experian to no avail. Therefore, I am contacting you, as the designated federal agency to assist consumers/victims of such Violations, to investigate and finally resolve the matter so that my credit file/report is accurate. 

I thank you for your sincere consideration of this matter, and look forward to a prompt and amicable resolution of this matter. 

Kindest regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing this formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for my XXXX  XXXX account ( Account Number : XXXX ). 

Despite multiple requests for correction through letters dated XXXX  and XXXX my disputes have been ignored or mishandled. This ongoing issue represents a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of the information reported in a consumers file. In my case, this mandate has not been followed, as the incorrect reporting of late payments has persisted despite my two prior disputes.

Moreover, under 15 U.S. Code 1666b, creditors are required to send periodic billing statements at least 21 days before a payment 's due date. The inaccuracies in late payment reporting indicate that this requirement was not adhered to, which further supports my claim of unlawful reporting practices.

TILA Violations The Truth in Lending Act emphasizes the necessity of providing accurate and timely disclosures to consumers. The incorrect reporting of late payments on my account has had a negative impact on my creditworthiness, thus violating these provisions. 
Protection Against Non-Payment of Obligations Act ( PAANL ) Additionally, the Protection Against Non-Payment of Obligations Act reinforces creditors ' responsibility to issue timely billing statements, preventing consumers from incurring unfair penalties. This responsibility was not met by XXXX XXXX in my case. 

New Evidence of Error The discrepancies across the three major credit bureaus for my XXXX  XXXX account involve inaccurate reporting of late payments in XXXX, XXXX and XXXX of XXXX. Specifically, both XXXX and XXXX incorrectly reported 30-day late payments in XXXX and XX/XX/XXXX and a 60-day late payment in XX/XX/XXXX. 

Equifax also reported similar late payments in XXXX ( 30 days ) and XXXX ( 60 days ), along with an incorrect 30-day late payment in XX/XX/XXXX. These errors remain unresolved despite my previous disputes. 
Pattern of Non-Compliance The repeated errors across these credit bureaus highlight a pattern of non-compliance. This persistent failure to accurately report my payment history is unacceptable and has caused unjustified harm to my credit score. 

I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. 

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies.

Desired Resolution : Immediate removal of the late payment notation from my credit report.

Written confirmation of the correction. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my Complaints # XXXX, XXXX, and XXXX, I discovered that you have closed it last XX/XX/22 upon checking it. Again, the 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX : {$9800.00} ; XXXX XXXX Balance : {$280.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit card

Dear Capital One / XXXX XXXX XXXX XXXX XXXX : I was shocked when I reviewed my credit report and found late payment on XX/XX/year> for 30 days. 

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: Credit reporting or other personal consumer reports

i have been looking over my credit report. Did my own research and realized i did not open this account. i did not have any knowledge of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, we closed our accounts with XXXX XXXX XXXX XXXX which included a car loan and a secured credit card. XXXX has consistently reported inaccurate information on our credit reports which we closed XX/XX/XXXX, as well as included in our Bankruptcy plan which XXXX didn't file a proof of claim on. Since XX/XX/XXXX, XXXX has manipulated our credit reports by " re-aging " debt on closed accounts, showing credit card usage on closed accounts consistently reporting this since XXXX, reporting us 90/120 days late on closed accounts and ignoring our request for a cease and desist from such misconduct. 

We requested in XX/XX/XXXX via certified mail ( # XXXX ) received XXXX, XXXX  refrain from such misconduct, advising of the FDCPA and FCRA violations. ( can not upload letter ) We contend XXXX violated. Apparently our request fell on deaf ears, and XXXX is above the law and can subject us to credit defamation at their will and leisure,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the accounts being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that the Credit Bureaus provide me copies of documents bearing my signature to verify the status of the disputed account. If they failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX XXXX XXXX Late Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to Equifax requesting that the information reported by XXXX XXXX be removed from my record. I filed an identity theft report with the FTC and a complaint with the Michigan Attorney General. I requested that Equifax provide me with a description and person that they spoke with to verify this information. I contacted XXXX XXXX regarding this matter and they sent me a letter indicating that they were unable to locate any active or previous loan under my name ( attached ). Equifax has not provided me with a description of the process used by them to verify this information or who provided this information to them. I believe that by law I am entitled to be provided with that information by Equifax.
Product: Mortgage

My husband Took out a home equity loan without my permission using our joint property as collateral I never signed the documents for this loan and I did not even know it existed until he died in XX/XX/XXXX. I have contacted Wells Fargo numerous times and I had to go to the county and request various documents in order for them to send me a copy of the loan. I did not sign The fact that I did not sign is visible on the documents. This loan was taken out in XX/XX/XXXX without my permission without my acknowledgment as visible in the documentation I believe this was done under the unfair mortgage practices of the XX/XX/XXXXand XX/XX/XXXXmortgage debacle
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting

I XXXX are requesting as of XXXX/XXXX/2016 a temporary credit freeze be place on my credit file at Equifax XXXX and XXXX and all other national credit reporting agency.
Product: Money transfer, virtual currency, or money service

I received an email from Paypal indicating that they received a request from me to make a payment from my account. I do not have a Pay Pal account and did not request this payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

midland cred.mgt is without identifying the account they are collecting for is attempting to collect on an account since XX/XX/2021. 
before XX/XX/2021 XXXX XXXX fraud dept said I was not responsible for this account and said they instructed the big 3 and XXXX credit bureaus to remove this account from their files ... i disputed this account, providing the attached proof to XXXX and nothing was done but a false verification. 
and today experian will not allow dispute or upload of the information attached here. 

( SEE ATTACHMENTS )
Product: Debt collection

I received a letter from Caine & Weiner indicating that I owed an alleged debt. Caine and Weiner obtained my home address in which I never gave this information to them. Caine and Weiner violated numerous consumer laws in the letter they sent to me. I sent Caine & Weiner written notice to cease and desist and an Affidavit containing violations of the FDCPA. Caine & Weiner have yet to honor my demands.
Product: Credit card or prepaid card

On XX/XX/2022 at XXXX XXXX XXXX was at work when I received an email from XXXX  saying " Congratulations on your New Credit Card ". Then a minute later I received an email from XXXX XXXX saying I had an hard inquiry on my credit report. So I checked my credit report and it showed XXXX was the one who checked my credit. I called XXXX to notify them I was not the one who opened the account. XXXX said I needed to make a report and prove that I didn't apply for the credit card. The only thing they could do is put a freeze/hold on the account. Can you please help me with this issue and have this hard inquiry removed from my credit report. Thank you for any information you can provide.
Product: Debt collection

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS ALDOUS XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from ALDOUS WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT XXXX AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Student loan

I am writing to express my utmost dissatisfaction with the recent experience I have had with Mohela. I am a customer with and I have encountered a series of issues that need immediate resolution. 

The problem started when I received a notice from Mohela indicating that my automatic withdrawal was approved. In light of this, I contacted the customer service department to confirm and ensure that the necessary steps were in place to process this transaction correctly for the month of XXXX and was told that it would take effect in XXXX and no payments on my end are needed via manually. Unfortunately, I have faced significant challenges in trying to rectify this situation. 

Over the course of XXXX weeks, I called your customer service line XXXX times, waiting for extended periods on hold, which lasted over XXXX hours during each call. To my dismay, the representatives I spoke with on these occasions not only failed to resolve my issue but also claimed that they had no record of my previous calls. The level of inefficiency and inconsistency in your customer service is truly disappointing. 

Additionally, during XXXX of these calls, I requested a change to my due date in order to accommodate the miscommunication and error that Mohela had caused. Regrettably, I was met with further frustration. After an additional hour on hold, I was informed that my request would not be approved, and my request to escalate the matter were refused. This blatant disregard for my situation is not only unprofessional but also unacceptable, given the circumstances. 

I understand that errors can occur in any organization, but the way these issues have been handled Mohela 's customer service department is nothing short of frustrating and unacceptable. As a customer, I rely on accurate information and efficient support to manage my financial obligations. 

I kindly request that you take immediate action to rectify this situation. I expect the following : An investigation into the handling of my previous calls and the recording of customer interactions. 

Approval of my request to change my due date effective immediately to accommodate the miscommunication caused by Mohela. 

Improved training for your customer service representatives to ensure that such errors are minimized in the future. 

An apology for the inconvenience, frustration, and wasted time I have experienced during this ordeal. 

I urge you to address this matter promptly. If no resolution is reached, I will be forced to escalate this complaint further, including reporting my experience to relevant consumer protection agencies and seeking legal advice. 

I hope we can resolve this issue amicably and avoid any further complications. I look forward to your prompt response to this complaint. Please contact me at [ Your Phone Number ] or [ Your Email Address ] to discuss the resolution of these issues.
Product: Checking or savings account

They is currently lawsuit will them stealing money and closure my account I have my taxes come here and they were stolen and they try to close my account I have had paychecks equal XXXX I lost with this bank and they close my account saying I didnt follow the bank agreement but they allowed another person to open a bank account in my name and close both accounts and I have my debit card now im missing XXXX I see there is lawsuit I want money I told them I was gon na report them they said they dont care