23daVinci/CFPB_Complaints huggingface dataset:
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 ( XXXX ), 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX : XXXXXXXX XXXX XX/XX/XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts and collection ( XXXX XXXX / XXXX XXXX ) and ( XXXX XXXX ) are inaccurate and fraud and wrongful accounts reporting under my name, these are not mine, these were opened with out my knowledge and equifax has not been helpful in this matter, i will be attaching these documents for which i have also provided to equiafx as well, please help me as a consumer to look in to these careful and delete these wrongful reporting from my name. i would greatly appreciate. 
thank you
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several erroneous entries. The XXXX credit bureaus are legally obligated to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat these reporting accounts as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable accounts listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX  XXXX Balance : {$9100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  : # 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. 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. An 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. GOVERN YOURSELF ACCORDINGLY.
Product: Debt collection

I do not know PATENAUDE & FELIX , A.P.C. I do not have any contractual obligation to Law Offices Of PATENAUDE & FELIX , A.P.C. I never signed any agreement XXXX & XXXX, XXXX. I never consented for PATENAUDE & FELIX , A.P.C to share my personal information. My name is Copyright protected. I am advising PATENAUDE & FELIX , A.P.C to cease and desist any/all collection regarding this name. I demand PATENAUDE & FELIX , A.P.C contact XXXX and any and all third parties that they have shared or give my copyright protected information to. 

Failure of Law Offices Of PATENAUDE & FELIX , A.P.C to contact any reporting agency and have my private copyright information will result in my exhausting my legal remedies. No further notice besides this notice shall be given.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding unauthorized items on my credit report and request their immediate removal. Upon reviewing my credit report, I noticed several entries that I believe are inaccurate and have not been authorized by me. These entries are negatively impacting my credit score, and I am seeking your assistance in resolving this matter promptly.

The unauthorized items are listed as follows : List below I have not applied for credit with these creditors nor authorized any transactions that would have resulted in these accounts. As required by law, I request that these unauthorized items be thoroughly investigated, removed from my credit report, and corrected immediately.

I have attached relevant documentation supporting my claim, including any correspondences or evidence that demonstrate that these items were reported in error.

Please confirm receipt of this complaint and provide an update on the status of my request as soon as possible. Should you need any further information, do not hesitate to contact me at the phone number or email listed above.

Thank you for your prompt attention to this matter.

Sincerely,
Product: Credit reporting or other personal consumer reports

In accordance with XXXX XXXX XXXX, this creditor has violated my rights under XXXX XXXX XXXX XXXX, XXXX  XXXX states I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it also states a consumer reporting agency can not furnish an account without my written consent. Under XXXX XXXX XXXX XXXX, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

It is important to emphasize that this complaint is not an oversight, but a genuine concern regarding the presence of false and unreliable information on my credit report. The inaccuracies present have led to undue stress, and I am experiencing adverse effects as a result.
Product: Debt collection

On XX/XX/XXXX I checked my credit reports and found two accounts shown that were placed in collections. Both accounts were listed by Radius Global Solutions, a debt collector located in Minnesota. Both accounts show the original creditor as XXXX XXXX XXXX XXXX. One account was for {$1500.00} and the second was for {$110.00}. I immediately filed a dispute at XXXX   and XXXX for these accounts as I never have received services from XXXX. XXXX investigated the accounts and removed them both from my report. XXXX   investigated but only removed the smaller account. I contacted Radius Global Solutions and advised them that there was an error and I never received service from XXXX XXXX XXXX XXXX. I never received a bill from XXXX XXXX XXXX XXXX in the past at my address or was ever contacted by them. Also, I was never given any notice from Radius Global Solutions about the account they were trying to collect on. Radius never contacted me by mail or phone. My first knowledge of the account was on XX/XX/XXXX when I check my credit report and discovered it there in error. I also contacted XXXX and they did not have a record of a bill for me. They advised the date of service was XX/XX/XXXX at XXXX XXXX XXXX in XXXX TX. I contacted XXXX XXXX XXXX hospital and gave them the service date and my name and they did not any record showing that I came to the hospital. I have never been to XXXX XXXX XXXX or received service from XXXX. I made this known to Radius and they continue to call me to collect bills on this account. I am now beginning to get notices for other charges and other service dates that are also in error from Radius Global Solutions. Also, they are calling me from " spoofed '' numbers  from my area code.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to update the inaccurate spelling of my name. I also requested to remove old addresses that are inaccurate as well. I have sent three letters and now I am submitting my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked credit report after being diagnosed as XXXX and forced to retire. Saw on XXXX, that Mohela was reporting my student loans as adverse and unpaid. When I became XXXX in XX/XX/2018, I contacted Mohela for a forebearance extension, because of my XXXX. They advised that I contact XXXX to have my loan forgiven due to my XXXX, and they told me XXXX would take over the loan. Contacted XXXX at XXXX. Was advised that I no longer had to make payments on the loan, they would notify Mohela, and XXXX now had the loan. I would now enter into a 3-year probationary period with XXXX, and after 3 years, my loan would be forgiven. But Mohela is reporting my loan with XXXX  as adverse and closed for non-payment. I filed a dispute with XXXX  online, which they say never happened, I have a XXXX File #, and filed with them over the phone as well as mailed documents. They sent a letter back advising that they investigated it for 1 day, and changed the status as transferred to another office. I have documents to include, please. Why take this action against me because of my XXXX. I never asked to be XXXX. I just want to get back to work, which will never happen, and now Mohela and XXXX  work together to trash my credit.
Product: Credit card or prepaid card

I purchased a few items online last spring as I often have over the past several years. This time when I returned in the store, Bloomingdales withheld a portion of the return for each item. There was no restocking fee and there has never been a restocking fee in the past. There was no damage to any items and no claim of damage to items. However after researching the problem, Bloomingdales claimed that years ago I was given rewards in the form of discounts that I used. Bloomingdales is claiming that because I had returns in the past I should not have qualified for these past rewards issued and used without a problem long ago. They issued a reward point debt requiring me to make a certain number of purchases before additional reward point discounts would be offered to credit against future purchases. However they next did something unethical and illegal by turning this reward point debt into a dollar amount debt many months after the purchases in question and without ever confronting me or telling me about the problem. They claimed to have changed my policy over the summer with no notice in order to convert rewards point balances in the negative to a dollar debt deducted from returns. Note that there is no amount they claim I owe for the negative rewards points, but until I am in the positive with the rewards points ( which have always had no monetary value beyond the percent off discounts Bloomingdales sometimes elects to offer those with rewards points ) I will only be refunded a percentage of any item that I return after purchases online or in the store. When I went to return items, they kept a chunk of the return to pay off my purported debt for discounts offered long in the past to credit card holders. I called and got no where. I called again but was disconnected shortly before the refund was posted. 
I sent a complaint through the website about this problem and was told I was issued a refund in a letter posted to my account. However the amount in question still shows and now I have two late fees and finance charges. My account balance would otherwise be XXXX with the exception of the {$48.00} in dispute, all of which accounts for the small amounts Bloomingdales refused to refund for each returned purchase this spring. I now have a {$29.00} late fee from XXXX and a {$38.00} fee for XXXX plus a few dollars in finance charges for a total of {$110.00} owed. My balance should be XXXX. I have always paid off my balance to XXXX within a month or two of purchases, and I have been a loyal customer. My credit is otherwise very good. Please note that Bloomingdales issued several refunds in the for of a check sent to my mailbox for overbalance payments during the time in question. I paid the balance due according to the website while a return processed and thus overpaid, and they sent a check. If they felt I owed them money for rewards points converted from potential future discounts to hard cash, why did they issue a refund?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an online on XX/XX/XXXX through XXXX XXXX, to dispute and remove information from the creditor Jeff Cap Sys ( XXXX XXXX XXXX ), as this particular creditor has violated my rights and has been renewing and re-shuffling the negative item which is more than 10 years old on my credit report. 

On XX/XX/XXXX I received a notification from XXXX XXXX, that the creditor denied my request to remove the item from my report and I saw that the creditor UPDATED the date on the report to reflect this YEAR! The report was showing a date of opening in XXXX before the dispute, and now after the dispute it shows a date of XXXX! I don't have XXXX XXXX as a carrier, I've had XXXX XXXX XXXX for many years and I've been given discounts and recognition for being a matured customer with the company. From the attached credit report that was retrieved in XXXX, anyone can see that they reported this account being closed and opened in XXXX ; however looking at the result from XXXX  XXXX  it now shows an open date of XXXX! I'm so FED up with these types of creditors and sneaky collections agencies. 

I've submitted disputes more than once and for over 7-years it has remained on my credit report. I've lost potential employment due to this negative item upon my report in the past and PRESENT. In this time that we are in it's not warranted. I also have NOT been a customer of the creditor for many years now ; in addition, the information and amounts have been inflated and are inaccurate.
Product: Checking or savings account

I applied for a loan online and I got an email saying i was approved. They called me and told me they'd be depositing the money into my account... what I didn't know was they were calling bank of america under my name and filing claims under my name so the bank would credit my account. I XXXX XXXX XXXXXXXX XXXX sent them money thinking the credits I was getting were from them. Bank of America never called me about the claims so I never knew they were made. A month late bank of america took all the money they credited back and overdrawn my account over XXXX dollars. I immediately called the fraud department and they explained that claims were made fraudulently. They told me to go into the bank and open up a new account so they can refund me the money. I go into the bank and they couldn't open an account despite what the fraud department told me. The claims were made in XXXX and the money was taken back in XXXX. And they know that I didn't file those claims. It took me 2 months to get them to open a new account for me. For the last XXXX months I've been promised multiple times that I'd be getting the funds back and once the date hit and the money never showed I called them and I was told a completely different story. I explained the liability protection guarantee to them and they still refused to fund me money. Even when I filed claims against these fraudulent transactions they refused to give me temporary credit. But they allowed these fraudsters to get the credit immediately. I never get a straight answer from them. This has screwed up my entire life. Missing rent, ended up homeless etc. I need my money back. I want to sue them for lying about what they would do for me multiple times, and the amount if times I missed bills because the money didn't show when they said it would. Every rep I talked to on the phone gave me a different story on what's being done. They are trying to get me to pay for the fraudulent claims that overdrew my account.
Product: Credit card or prepaid card

I got a dental   XXXX   XXXX   XXXX   repaired by a   XXXX   repair    company.in  XXXX    XXXX  . I originally sent  XXXX    XXXX    to get repaired. The company contacted me back with quote to fix the  XXXX    XXXX  . Out of the  XXXX   XXXX  I authorized  XXXX    XXXX   with specific size to be repaired and mentioned not to repair the other as I have other plans. But When I received the repaired   XXXX   back I noticed the wrong  XXXX  repaired which I did not authorize. I contacted the company and first they said they did what I asked them to do. Then later they sent me another email saying the  XXXX  I requested to repair was not repairable and they repaired the other  XXXX  without my permission. I asked for a refund as I did not authorize the repair. They refused. At that point I contacted  US bank  some where  XXXX  or  XXXX    XXXX    (  I do n't remember the dates as it was all on phone and they have recording ) .They said they will send a questionnaire for me to fill and they are sending in mail. After waiting few months that I have not received any paper, they said because you did not respond they closed the case. I told them I never received any paper, plus I moved just in  XXXX  and some mail might got lost. They said to send the papers again, which I did revive and sent it. Again There was no reply, and month or so pass by. When I contact them they again said the same story they never received any thing and they closed the case. But they are willing to open it up again if I fax them the supporting documents from the branch. I went to the branch and faxed those papers. Do n't remember the dates but bank has all. Again no contact and when I contacted them they said ( spoke with supervisor  XXXX  ) that they never received the fax. I told them I did it from branch and branch know about it. After few days when I called again they said they made a mistake and the documents were received but not attached to the file. So I asked what next and they replied we will look into this. So after few days  XXXX  left me a message to call back which I did. she did not reply. Person on customer service said that basically bank left a note that now its too late they will not handle that. I told them how is it my fault. First I was trying to resolve the issue with merchant, then with the bank, how is it my fault. On  XXXX   XXXX  they sent me a letter saying time was up, then they sent me another letter on  XXXX   XXXX  that the documents lacks sufficient information and close the case I tried Calling  XXXX  from card member service on  XXXX   XXXX , and  XXXX   XXXX  but she never answered.
Product: Mortgage

SPS is in violation of CA Homeowner Bill of Rights and RESPA guidelines. 
At issue is a short sale request that SPS confirmed receipt on XX/XX/18. CA Homeowner Bill of Rights and RESPA both require lenders and servicers to help homeowners avoid foreclosure. SPS is refusing to open short sale request due a foreclosure sale date that is scheduled on XX/XX/18 which is over a month away from when the short sale request was received by SPS. This is unacceptable and an invalid denial reason. 

By denying the right for homeowner to do a short sale SPS is in fact denying the legal requirements of CA HBOR to help homeowners avoid foreclosure. The argument that there is not enough time to review for a short sale is a false argument. SPS can order their values and have that values in house within 5 days. At that time if the offer is within the range of their values then they know they have a fair offer. If not they are required to counter the buyer and give that buyer the opportunity to increase their offer to meet requested amount. 

Not adhering to the law will lead to statutory damages allowed for in CA HBOR & RESPA not limited to {$50000.00} plus attorney fees.
Product: Credit reporting

I sold a utility trailer to someone 15 years ago. They never registered it with California DMV. Now they have received XXXX parking tickets from the City of XXXX XXXX for parking in a street sweeper zone. I went to DMV and had them stamp non-responsibiltity statement and sent it to the City of XXXX XXXX XXXX Department. The stamp is not back dated to 15 years ago, so the City of XXXX XXXX turned me into collections for the parking tickets that are not mine.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

The only address I have lived at is XXXX XXXX XXXX XXXX. I have not lived at the other address listed. 

I also was never employed at XXXX. 

I have never opened a XXXX XXXX Account which states that one payment was made and the account is closed.