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

Hello, There are 3 errors on my credit report : 1. My loan type is FHA and its states that its an Conventional Loan.

2. My loan is not backed- up by FHA and my mortgage lender is charging me a fee to FHA because they missed up on my loan. FHA rejected my loan. I request information in writing from XXXX XXXX but they refuse to send me any documents in writing. I called FHA and they told my that my loan is not insured by them. 

3. My loan was closed in XX/XX/XXXX and I was not notified until XX/XX/XXXX. I made a payment via XXXX in XX/XX/XXXX and my payment was denied because they were no longer holding my account information. Once they told my who service my account, I made my payments via once I received the new information. BSI MTG has my payments are late 90-119 days in the month of XX/XX/XXXX, however XXXX has no information.
Product: Credit reporting or other personal consumer reports

EXPERIAN, EQUIFAX & XXXX XXXX are reporting inaccurate collections on my credit report. The same account is being reported twice on my credit report and has caused my credit score to decline significantly. 
FTC laws states that this is a violation of consumer rights and the CFPB has recently filed a lawsuit against these credit bureaus for reporting these inaccuracies. 
Below are photos from the three agencies. 
EXPERIAN is uploaded as a single entity and XXXX XXXX contains my EQUIFAX credit report
Product: Debt collection

I was unaware of this debt until I served with a summons. Med 1 is suing me. I received the summons on XXXX for a court date XXXX, During the weeks prior I tried to call Med 1 to see about a settlement but no one there was helpful and my attempts were deflected and futile. I have a company working on my credit and asked them what to do. They sent a letter ( attached ) asking for details on this. The " lawyer '' XXXX XXXX '' at Med 1 refused to give him the information since they are not a law firm requesting it. Even though I did sign a power of attorney permitting the company to act for me. 
As a result I was lucky to get a continuance but only until XXXX. 
I need details on what I am being sued for. How can I defend myself when I do n't have any of the information? 
This company is trying to skirt Federal law and bully me.
Product: Debt collection

( A surprise medical bill is an unexpected bill from an out-of-network provider or at an out-of-network facility. Effective XX/XX/2022, the No Surprises Act may protect you. ) The debt collector, XXXX XXXX, XXXX put an out-of-network anesthesia bill ( in a In- Network hospital ) on my credit report that I am protected from as the law states as cited above. XXXX XXXX should have done due diligence to discover why the insurance company didnt pay the claim before they bought this debt. I had absolute no control over who the doctor or hospital chose to do the anesthesia. But the anesthesia firm had more control than me and should have made sure they were covered under the insurance. What good is this law if these debts can be sold, put in debt collection and onto a consumers credit report??????
Product: Debt collection

Please find attached my formal complaint regarding unjust and unlawful billing, credit, and collection practices of the United States of America, Army and Air Force Exchange Service, and XXXX XXXX and XXXX XXXX, who have taken or threatened to take negative or legal action as of XX/XX/2024.
Product: Credit card or prepaid card

I booked a XXXX flight using Chase Ultimate Rewards points. The flight was cancelled due to COVID-19, and I should get a refund according to Department of Transportation Enforcement Notice ( https : //www.transportation.gov/briefing-room/us-department-transportation-issues-enforcement-notice-clarifying-air-carrier-refund  ). However, Chase refused to issue refunds, citing the airline policy, and ignored DoT ruling. In addition, Chase refused to start a dispute or chargeback on my behalf, stating it was a point transaction and there was no way to do so.
Product: Debt collection

I am XXXX XXXX and the company sent an affidavit to the court for a default judgement stating that i wasnt on active orders.
Product: Credit card or prepaid card

I have been trying to get access to my locked reliacard  account for over a week and sent in all documents for verification of my identity, I have talked with supervisors and emailed over and over with no resolution. This is my unemployment money and all I have to live on I live in a hotel and was not able to pay the fee I am now homeless, my cell phone is off, I dont own a vehicle. This card was locked and I was not even using. No one can help me at all when I call and they dont know anything. I need my money please.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 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. AMERICAN EXPRESS 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: Credit reporting, credit repair services, or other personal consumer reports

I recently went to finance a car so I have 4 recent inquiries, I downloaded my XXXX  report and its showing multiple inquiries that I dont recognize. Some are car inquiries from before my car purchase, the car I had before the one I just bought was bought cash so those inquiries werent mine. Theres also some inquiries from what seems to be credit card for different stores. 
Syncs/Old navy on XXXX XXXX Syncs/Amazon on XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Syncb/cc XXXX XXXX
Product: Student loan

Before my loans were in repayment I was making payments on the loans, There is nothing that says I can not pay on my principal balance, and yes I am allowed to pay ahead with out prepayment penality. I my case I considered my payments being a penality since the payments would only go toward the interest first and nothing to the principal balance. Please remember I was not in repayment status at that time. Only now that I am in repayment does part of my payment go toward principal. Now I am receiving, " capitalized interest '' meaning, my interest is being added to my principal and I get charged interest in my interest. What? No Bank, credit card or other legitimate lending institution would be allowed to do this. One loan  XXXX   XXXX ,  XXXX  my principal and interest combined balance was {$5300.00} today  XXXX   XXXX ,  XXXX  the principal balance is {$5500.00}. How can a company that gives the impression it is a government based program, and I think it is, rip us off like this and do it to millions of people and continue to no matter what. I feel like my goveronment hates me ; make billions of dollars off illegal lending practices and I will get this paid off, NEVER.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests in Equifax Credit Bureau, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the items that need to update or remove from my report immediately. 
XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX-Date Opened : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXXBalance {$310.00} XXXX XXXXXXXX XXXX-Balance {$5000.00} XXXX XXXX-Balance {$0.00} XXXX  XXXX XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXXXXXX XXXX
Product: Mortgage

Have attempted to work with lender for last year. Filed paperwork five times for modification. They have lost numerous copies and or pages causing the procedure to begin again. 
Past three months have called them twice daily. 
They say they have an assigned case manager but have never been able to speak to this " person ''. No one that I have talked to there even knows who that is. Just some name they made up to look good. 
Always a different person to speak to and they never give the same answers. 
Worse company I've ever tried to deal with. They want you to give up and fail.
Product: Credit card

We booked a hotel at XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX ) through American Express Travel for XX/XX/XXXX - XX/XX/XXXX totaling {$560.00}. 

When we arrived and checked in to the hotel ( XX/XX/XXXX about XXXX ), the room was in unsatisfactory conditions. When we spoke with the front desk they stated that they didn't have any more rooms available and that they can just cancel the room since we were unsatisfied. 

We asked for a receipt for the cancellation and the guy at the front desk stated that there will be no receipt because we didn't stay in the room, and there will be no charges. I stated that I have money charged on my card and he stated since we booked through American Express that they would have to remove the charge. 

The charge was not removed from my account and disputed with American Express. American Express stated that the merchant is stating that they don't have any documentation of cancellation so they still charged me {$560.00}. 

The merchant refused to provide us with any documentation showing that we canceled the room. The cameras at the hotel clearly show us leaving the hotel around that time. We also have documentation other proof that we stayed at a different hotel that night due to there being no other rooms available. 

I need this charge removed from my card because the room was canceled and the merchant wouldn't provide cancellation paperwork. We did not stay at this hotel for the time that we were charged.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX Date : XX/XX/2021 company made unauthorized inquiry on my personal credit report. Since I did not authorize this company to obtain my credit report, I demand that this inquiry be deleted as soon as possible and my credit score be adjusted accordingly.
Product: Bank account or service

On the morning of XXXX XXXX, I wake up to find that my account is down {$500.00} from a withdraw on the previous night. I check my account to find out that there has been a deposit using a check in the amount of {$520.00} and then a concurrent withdraw of {$500.00}. I file a claim of bank fraud for both transactions. Because the check was bounced back, they closed the deposit claim. Then they just rejected my {$500.00} withdraw claim so now I 'm out {$500.00}. The deposit/withdraw was made at a bank I rarely use so I do n't know what 's going on. I have already requested to see whatever film they have on file. 

I have attached a the phony check ( both front and back ), the resolution letters of both claims, the statement of the transaction on it, and the account notice of the freeze of the phony check. 

Now additionally, there has been XXXX separate instance where Bank of America told me they were sending my debit card ( as a follow up to this instance ) and a credit card ( as a follow up to a previous instance ) via regular mail only to never arrive, and I had to call back to get one expedited to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, I WAS DENIED FOR CREDIT CARD I READ THE DECISION WAS BASED ON AND BY ALL THREE MAJOR CREDIT BUREAUS AND ANOTHER CREDIT BUREAU NAME XXXX XXXX XXXX XXXX ( WHAT IS THIS XXXX XXXX XXXX XXXX. I THINK THAT COULD BE THE COMPANY THAT HAS ALL MY CREDIT IN RED THAT WAS PART OF THE BANKRUPTCY THAT IS DEROGATORY COMMENTS OF BEING 14 LATE PAYMENTS ON CREDIT CARDS THAT ARE NO LONGER MY RESPONSIBILITY SINCE MY DISCHARGE IS IN 3YRS COUNTING DOWN FROM THE BANKRUPTCY CHAPTER XXXX. CAN SOMEONE LOOK INTO THIS SINCE I AM PLACING MY ADDITIONAL COMPLAINT CURRENTLY XXXX XXXX DENIED ME BASE OF XXXX, XXXX, EXPERIAN, XXXX XXXX XXXX XXXX XXXX  XXXX  CONSUMER INQUIRY DEPARTMENT. 
BASED ON DELINQUENCY AND DEROGATORY PUCLIC RECORD OR COLLECTION FILED BALANCE CREDIT LIMIT TOO HIGH LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED NUMBER OF INQUIRIES BY XXXX, HOW CAN THIS BE I ONLY HAVE BANKRUPTCY, NOTHING LATE AND SHOULD NOT HAVE ANY NEGATIVE MARKINGS, NOR COMMENTS. 

THAN THE FRONT OF THE LETTER BY XXXX XXXX IN ADDITION TO THE ABOVE REASONS ALSO STATES : bASED ON YOUR CREDIT REPORT FROM ONE OR MORE OF THE AGENCIES ON THE BACK OF THIS LETTER, CREDIT BUREAU INFORMATION IS UNAVAILABLE BECAUSE THE APPLICANT WAS DETERMINED TO BE A MINOR?? BY THE CREDIT BUREAUS?? I NEED CFPB TO LOOK INTO THIS WHAT IS GOING ON I CAN NOT BELIEVE HOW MUCH TIME AND YEARS I KEEP HAVING NEGATIVE COMMENTS AND ALL THE CREDIT BUREAUS CONTINUE TO NEVER BE ON THE SAM UPDATES OF PAGE. ALSO XXXX  OR EXPERIAN HAVE MY NAME AS XXXX XXXX XXXX WHEN I LOOK ON LINE VIA THE XXXX  XXXX, MY NAME IS XXXX XXXX THAT IS IT! 1 I SENT IN SO MUCH AND CALLED AND SPOKE TO MANY TO PLEASE CORRECT MY NAME ON EACH CREDIT BUREAU EVEN THE XXXX  XXXX  WHICH I NEED TO KNOW MORE ABOUT THIS AND WHY THIS APPEARS ON AND OFF MY CREDIT REPORTS. THIS IS WRONG.. THAT IS WHY I HAVE SO MANY INQUIRIES THIS IS WHY I KEEP APPLYING AND WONDERING THE DENIALS ARE SOME WHAT THE SAME REASONS, BUT THAN I GET ANOTHER DIFFERENT REASON? THAN I HAVE TO ASK WHY.. PLEASE I AM FIGHTING TO KEEP MY CREDIT CLEAN, THIS IS NOT RIGHT!
Product: Debt or credit management

several times to the XXXX XXXX for credit repair and to get help to get a home but the companies referred us to XXXX XXXX to assist with homes like rent with option to buy or special home programs that you had to go through XXXX XXXX ea. time to money but of course nothing. And no changes but kept taking money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have still items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

Block these erroneous items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} Bankruptcy XXXX XXXX  Date Filed XX/XX/XXXX Reference # : XXXX Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On the month of XX/XX/2021 i bought a computer for work, on the process of it, i wanted to verify an application for an open credit plan for another computer which was denied. 

I verified my consumer report on the consumer reporting agency Equifax on XX/XX/XXXX and noticed that an inquiry has been reported. 

I started a dispute the same day in which i detailed the violations done pursuant to my federal consumer rights, in which i stated : " ACCORDING TO 15 U/S/C 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS ( A ) IN GENERALSU BJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES/ME, A FEDERAL PROTECTED CONSUMER AND NATURAL PERSON, NE VER GAVE WRITTEN INSTRUCTION TO GRANT EQUIFAX PERMISSION TO REPORT THIS INFORMATION ON MY REPORT/ '' and today ( XX/XX/2021 ) i verified my consumer report for an update. 

In which they stated : " The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. "
Product: Debt collection

I voluntarily returned the court to them because of all the problems that I had and they put the car off as a discharge so we should not be on my report. I owe nothing on this car anymore.
Product: Checking or savings account

Some used my info to open a account and used my checking and routing number to fund or pay for thing with out my consent and Bank of America is trying to deny it
Product: Debt collection

Synchrony Bank contacted Lowe 's even though I paid Lowe 's years ago, have a zero balance, to have my account closed in retaliation. I paid the Lowe 's card off early and the last payment was for over XXXX dollars in 2013. I have other active Synchrony credit cards that have a balance that have no issues. The issues started with Synchrony Bank regarding a Walmart credit card which I paid for years.
Product: Credit reporting

I have disputed XXXX collections on my account multiple times and requested how this debt was verified and who they had spoken with etc. The only response I got from the credit bureau was that it had been investigated and found to be accurate with no description of how it was verified despite my repeated requests. For XXXX account, I even had emails from the company stating that it was to be removed, however, the credit bureau continued to refuse to remove stating that it was not sufficient proof that it should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX dealer service account was paid in full and completed. I submitted proof to the credit bureaus and they still report incorrect and now are adding additional late payments to the account that has been fully satisfied. This is identity theft, and copyright infringement. I will attach the copyright notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, experian, has reported a fraudulent account on my credit report
Product: Student loan

In XX/XX/XXXX, I submitted an Income-Driven Repayment ( IDR ) plan request for all of my loans. However, I later discovered that my previous IDR plan was canceled without my knowledge. To address this, I submitted a new IDR application for all of my loans and followed up via email on XX/XX/XXXX, requesting an update on the processing of my new IDR request. Additionally, I specifically requested that ALL of my loans be placed into forbearance while my new IDR application was being processed. 

On XX/XX/XXXX, MOHELA responded, stating that my IDR application was in a pending status due to a federal court injunction affecting the Saving on a Valuable Education ( SAVE ) plan and other IDR plans. However, despite my explicit request, as of XX/XX/XXXX, MOHELA has not placed all of my loans into forbearance, and my account has become 44 days delinquent with a past-due amount of {$1300.00}. MOHELA also informed me that my next payment of {$2000.00} is due on XX/XX/XXXX, and that collection efforts ( calls and letters ) would continue until the account is brought current. 

I am seeking resolution regarding the delay in processing my XXXX request, the failure to inform me of the cancellation of my previous XXXX plan, and XXXX failure to place all of my loans into forbearance despite my request. Additionally, I request that my delinquent status be addressed in light of these circumstances.
Product: Debt collection

This account is far past the statute of limitation. I believe any thing past due was from XXXX or XXXX. It was previously deleted from my credit reports about 2 years ago and has just be re-reported to the bureaus.