23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received called from Benuck and Rainy. They left a very vague message on my voicemail. Left like an attempt to lore me in to calling them. The name of the person who owns the debt was never specified, what kind of debt it was or amount.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXXwww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the REMOVING of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have just got a copy of my consumer report and it looks like I have been violated once again by XXXX Transunion and XXXX. The accounts XXXX does not belong on my report and I have been notifying XXXX for years about these accounts. I have filed a police report for theft I even had it removed from XXXX and Transunion but XXXX never removed the account even though I provided them with evidence. 15 USC 1681I ( A ) ( 1 ) Reinvestigations of disputed information. They never noticed me regarding these accounts ever being verified they just kept sending an automated computer generated response. Here are the accounts I am referring to : 5 different XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Mortgage

We had been in mediation w ith Ocwen for 6 months. Ocwen reque sted a ridiculous amount of updated pay, rent, and income. they even requested a mediation postponement because " they needed more time to make a decision ''. On  XXXX  Ocwen denied the loan 1 day before mediation. The denial did not state income used, why she was denied,  XXXX . Nothing, it simply stated denied and to sell her home. When we attended mediation on  XXXX   Ocwen stated " Income was NEVER used in making the decision. We denied a modification because we could not lower her payment ''. Ocwen  literally is foreclosing on someone that only owes  XXXX  on her entire home. She had a hardship, and can now make payments and  Ocwen  will not work with her. They are simply denying her any option of home retention. They delayed this whole process for no reason when they stated they never even considered her income. By intentionally delaying  XXXX   XXXX , she made not be eligible for Rescue Funds. This is an elderly woman trying to save her home.
Product: Credit reporting

Equifax is not responding to any of my requests to investigate, verify and remove XXXX accounts from my credit report that do not belong to me.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX a consumer is still having problems with a Bankruptcy on my credit report. I have asked the several times that the bureaus show me how this information was furnished. They have yet to mark the accounts as disputed. The bureau has completely disobeyed the FCRA. They have not removed this account from my credit report. So, I'm requesting that all XXXX XXXX  accounts on my credit be removed. 15usc1681 604a Section 2 states that a consumer reporting agency can not furnish account without, my written consent.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX incorrectly show me listed as a joint owner on the XXXX XXXX XXXX mortgage account opened XXXX/XXXX/18. 

Attached is documentation confirming my ex-husband assumed the loan in XXXX 2018 after our divorce. 

I filed a dispute with Equifax in XXXX, but they did not fix the issue. 

I tried calling XXXX XXXX XXXX customer support, but since the account is now closed, I was unable to reach to anyone there to discuss the issue.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  : Account Number : XXXX : Balance : {$7700.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 had a credit card account with Capital One in XXXX the limit was {$300.00}. I paid that Account off but it still showed open on my credit report. The Card I had in XXXX was not a secured card. Recently in XXXX of XXXX I recently got a secured card with them with a {$200.00} dollar limit. Instead of Capital One reporting that I had a new Account with a new Card someone went in and changed the information on my non prepaid account to show that the old account in XXXX limit dropped to {$200.00} from {$300.00}. This made my Credit Limit drop 60 points. Is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiry currently listed on my XXXX XXXX, Experian, and XXXX credit report is unauthorized and not my hard inquiry : XXXX XXXX XXXX, XX/XX/2023
Product: Credit reporting or other personal consumer reports

I reviewed my other credit reporting agency XXXX XXXX XXXX XXXX ) and this account is showing as paid/never late. I am now requesting proof of the previous investigation ( Complaint # : - XXXX ). This account has not been late on payment. I have attached a copy of my report on this complaint on the following date ( XXXX XXXX ( XXXX ) XXXX ). I have attached another agency reporting it was paid/never late. I am asking you to send your method of investigation along with all records of who spoke with, their business address, name, and phone number. Also, provide documentation that proves the account was late. If you can not provide me with this information in 15 days. Update the account to paid/never late and send me a copy of the updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing because I have exhausted all efforts to correct my information with Equifax and associated agencies. 

It is apparant that my identity was stolen and Ive worked night and day to prove that I am who I say I am. 

Despite my several years of efforts these agencies have restricted me from getting credit. 

Please help me because I have the same rights as other consumers to have my information corrected.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfil its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information credit report, leaving inaccurate information or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally multiple times since XXXX  to XXXX  because I was a victim of the XXXX data breach. I want XXXX XXXX XXXX XXXX XXXX account # XXXX for {$350.00} on collections, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX unknown acct number but shows on XXXX bank system. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. The engagement # XXXX with XXXX were they admit their breach, complaint # XXXX. Please help me delete these illegal accounts from my credit reports.
Product: Debt collection

I have disputed the medical debt alleged by XXXX XXXX as they charged me an amount so much more than any competitive hospital or medical provider would have charged for the procedure that I had performed at XXXX XXXX. XXXX XXXX was requested to provide an itemized listing with the corresponding XXXX  billing codes and amounts, and they have NEVER provided that list. My review with XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX Hospital, and XXXX XXXX XXXX showed the amount should have been closer to {$10000.00} to {$12000.00} while XXXX XXXX   charged some {$56000.00} per Capio Partners which indicates that XXXX XXXX charged me for more than one patient or willfully and deliberately committed fraud by charging an amount that they knew to exceed what used to be reasonable and customary charges. In addition, XXXX XXXX has been proven to have committed fraud in paying our four top XXXX XXXX executives some {$120.00} XXXX as they sold out to XXXX XXXX, and one of the  selling points was the large " accounts payable '' on their books. In addition, XXXX XXXX XXXX was established to address the lack of care that XXXX XXXX   provides to XXXX residents as myself as they have eliminated XXXX services and operating theater at the old  XXXX Hospital. In short, XXXX XXXX looted the XXXX Hospital to help fund the pay outs to those four XXXX XXXX executives. Capio has not purchased this alleged debt and they have not disclosed how much their fee would be to collect this debt but as a general practice my research is showing much of the medical debt is being discharged at 32-46 % of the original amounts if they met the XXXX  billing amounts. In short, XXXX XXXX should recalculate my medical charges with a full itemization showing the XXXX  amounts. Capio needs to butt out as they are not medical practioners, they can be linked to fraud as they are attempting to profit from fraud, and they are not permitted to see medical billings per HIPPA.
Product: Checking or savings account

This is in relation to a previous complaint regarding a payable upon death document on my fathers checking and savings accounts with Key Bank in XXXX Maine. As the personal representative of my dads estate I went into the bank on Friday XX/XX/XXXX to receive my portion of my dads account. I was told by the bank representative XXXX XXXX that I was not listed as a beneficiary, that my sister is the sole beneficiary. In a previous response to a complaint that I filed with you a representative from the banks presidents office acknowledged that my sister and I are both designated on the payable upon death document. See complaint # XXXX. The response went further and stated I would need to go into the bank to sign a form and I would be issued a check for half the money in each account. The bank has yet to produce the payable upon death document for me to see. And now the bank refuses to give me my half of the money.
Product: Credit reporting

I am filing a complaint against Transunion because of XXXX account # XXXX. Transunion is stating they will report this account until XXXX XXXX ; when the last payment made was XXXX XXXX, XXXX ; account should have been removed XXXX XXXX. They are refusing to delete this account from my credit report. I am attaching part of my Transunion Credit report dated : XXXX/XXXX/XXXX ; File # : XXXX. You will clearly see XXXX/XXXX/XXXX and you will also see removal of XXXX ; this date is 7 1/2 years past the date of last payment, not 7 years, please help me remove.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX THIS IS NOT MY ACCOUNT.PLEASE REMOVE FROM MY CREDIT REPORT I have not supplied proof under the doctrine by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist
Product: Mortgage

We have asked Sterling National Bank on multiple occasions to put the money we could not pay during our hardship with COVID on the back end of our mortgage. For a few months we have been paying monthly installments by mail given they XXXX down the option to pay at a local bank location. They have been accepting out monthly payments but are still asking for the full amount we were unable to pay during our problems with Covid, as well as late fees. We were hoping after our multiple requests to place the amount we were unable to pay on the back end with our efforts to start staying on top of our monthly payments as a way to ensure they do not foreclose on us and allow us to place the amount during our Covid problems on the back end given we were always good on payments toward our mortgage but they seem to be working toward a foreclosure given they still send us statements we owe the full amount with late fees. We are asking for help to get Sterling National bank to put all owed payments on the back end and let us continue payments of a monthly mortgage fee with no previous balance due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft fraud. A non-close family member used my information to open up credit accounts when I was younger. 

Upon Checking my credit reports this year, I come to find out that those open accounts were charged off and never paid by the thief. These accounts are now hurting my XXXX XXXX and hurting me financially to start up my future. 
The following accounts were the ones affected by identity theft. 
XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX I have tried to process my requests with the bureaus but see no progress! This is hurting my financial health. It has been longer than XXXX days where I sent out my first certified letters to each bureau. I demand a proper investigation with proof. 
Per 15 U.S. Code 1681s2 - A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate Please be advised this is my last request before I fully intend to pursue litigation in accordance with the XXXX to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite XXXX written requests, the unverified items listed still remain on my credit report in violation of Federal Law. You are required under the XXXX to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

All of these accounts were not open by me and are still on my report. I have attached the XXXX identity theft report. DELETE THEM ASAP PLEASE. XXXX REPORTS # XXXX & # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

old account past the stature of limitations is been put on my account and continue to be updated by XXXX and XXXX with current date. Accounts that do not belong to me due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was hacked. Someone tried to open a credit card account with XXXX XXXX XXXX on XX/XX/XXXX. Fortunately an account wasn't opened but caused a dropped in my credit report along with an inquiry which does hurt my credit. I would like to get this removed from all of my credit reports : XXXX, Transunion, XXXX
Product: Credit card or prepaid card

Us bank credit card/ sky pass promised bonus miles when I applied. And I been calling them sinceXX/XX/2018. They told me they will update the miles and they told me they not going to update my bonus miles.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XX/XX/XXXX {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX illegally reported with out written consent. XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX illegally report to 3 credit reports with out written consent. XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XXXX, DE XXXX illegally report to 3 credit reports with out written consent. XXXX XXXX  XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX, NY XXXX reported to 3 credit reports with out written consent. all these violate written laws under us code 1681c-2 and us code 1681-b
Product: Credit reporting

I have never reside at the XXXX, Ca address on my Trans Union and XXXX credit report. That 's never been my address and my personal information was list and stolen and believe some is still using my identity.
Product: Debt collection

Every day for over a month I get multiple calls per day often waking me from sleeping since I work 3rd shift to collect from debt. This is Sallie Mae that calls. Today they contacted my stepsons girlfriend and told them in a voicemail that they were calling for me about a job interview. I never supplied her number to anyone as I don't even know her number. She let my wife know on XXXX since I don't have XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/17 I started a customer support ticket with XXXX XXXX XXXX about a transaction of XXXX XXXX that never arrived to my account do to a missing destination tag. I was emailed back and told if I provided them some information about my wallet that the XXXX was sent from and some other things I had to search for myself they would be able to get my money back to me within a couple of weeks. I provided them all of the information they 've asked for but it has been over 2 months and I still have n't heard anything back from them and from what I 've seen on online forums about issues like this I am not the only one. I 've since emailed them multiple times about the same issue and it seems each time they marked the issue as resolved which it had not been.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've noticed that some accounts have been reported to my credit that doesn't belong to me and I've been trying to work with the credit bureau since XX/XX/2020. My name is a common name and they were reporting a person with similar name and they were able to help me to correct most of them and removed from my credit, but XXXX XXXX, they insist that those two accounts are mine ( both accounts are closed but one has a balance of {$12000.00}. I called XXXX XXXX to try to find the account providing my social security and they weren't able to find any account under my social, and now they are sending me to a collection and this is affecting my credit. 
I have been told them that my name is different that the name that they are sending the letters, also the addresses that appear on my credit are from another State that I have never lived there. XXXX XXXX send a letter on XX/XX/2020 telling that they've verified the accounts an that I was making payments from XX/XX/XXXX XXXX and XXXX XXXX accounts which is also incorrect. I don't have any account with any of these institutions. These two accounts belongs to somebody that have similar name and as you can see on the attached letters the name is not my correct name. I will ask you make a deep investigation in this issue as I've been trying to fix it since XXXX and this is affecting my credit score, some companies are reducing my limit and I can't open new accounts. This information is been reported to the three bureaus. 
Credit card companies must have different forms of ID 's on their file to prove that the information is correct. I can proof that I have never have any XXXX XXXX in my life and I won't open one in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorized these following inquiries below : They have been affecting me from getting credit. 

XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX - XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi, there's an inquiry on my credit report that I don't recognize which is very alarming, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me anxious.