23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I went to the ER at XXXX XXXX XXXX XXXX 3 times in XX/XX/2018. I was misdiagnosed the first visit and given meds to treat something I never had ( Of course I found this out after the fact ). Second visit I was not seen because they were too busy but a doctor in the hallway prescribed me something for pain. Third visit another scan was done and I was diagnosed correctly this time. I was treated for a XXXX XXXX, which I never had when in turn we found out I had a fractured vertebra. I received 3 bills from XXXX XXXX - $ XXXX/each visit. I agreed to pay for one - the visit they were correct on. After numerous attempts to resolve this they simply refused to respond to certified letters, emails, voice mails-not one time - then turned me over to collections. I could have sued them for malpractice but did not. These 3 negative posts to the 3 credit bureaus are impacting my score hugely. I am not able to  refinance, get a credit card, or get any kind of loan. I have disputed the incorrect reports repeatedly and no one will help. XXXX was copied on every dispute. Still no response. I don't know where to turn at this point and I'm hoping you can help somehow.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the following item on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. 
Disputed Item : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

On XX/XX/2023 I went to Kroger to do a cash back transaction for {$5000.00} to make a purchase, after swiping my card I was informed they didnt have enough cash on hand so they would be giving me {$2500.00} in cash and returning the remaining {$2500.00} to my debit card via refund. Fast forward to XX/XX/XXXX at XXXX XXXX  a refund from Kroger is posted to my account and immediately after it was deducted showing debit merchant credit hold adjustment I contact XXXX and they claim they do not hold funds and that I should reach out to the merchant. At that time I reached out to the merchant and reached out to XXXX with both on the same recorded line so that they could speak with one another since I was being referred back and forth with Kroger saying its my bank and my bank saying its Kroger. At that time Kroger explained to XXXX  at XXXX that they are not holding funds and once a refund is released they cant take it back so it is obviously a bank error and they provided us both XXXX XXXX  and I with the authorization code for the refund. XXXX is still adamant they arent holding my funds which have yet to be released so at this point no one knows why or whats going on and arent able to tell me what the hold means or whats its for or why this is even happening! This has put me in a very dangerous situation as I am now stranded out of town because that money was being used to purchase a vehicle and Im in a rental that I dont have to funds to continue to pay for while 8 months pregnant and with my 6 other children. I have requested supervisor and escalations and no one has yet to contact me or get this issue resolved! I have provided the refund receipt and they have the authorization code and have confirmed all this with Kroger as well but still nothing has been done to release the refund hold. I need immediate assistance with this matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

Provident funding is the servicer. They have lied, cheated and used unethical practices when it comes to dealing with us. 

In XX/XX/XXXX our home sustained {$43000.00} in hurricane irma damages. The insurance company, XXXX XXXX would not repair the home or allow us the insurance money we needed. So, we hired an attorney and fought for all this time for insurance coverage. During this time, we paid, out of our own pockets, over {$18000.00} in repairs to assure the worst damages - windows, roof, doors, etc, were repaired to maintain the structure pf the house and maintain its viability so we could stay in it. Finally, a month ago, we were offered a " reimbursment '' for the damages we have paid for. I contacted Provident and followed their instructions - send them the damage report and ALL paid invoices from the construction professionals we used for the repairs. On XX/XX/XXXX I did that. I uploaded over 30 pages of documentation along with a financial breakdown of who did what and what we paid them. ALL invoices were noted " hurricane Irma '' and " paid in full '' by the vendors to assure we had proof of the repairs. Now Provident has said that is not good enough and they want " cancelled checks '' dating back 2 years because ( their words from someone named XXXX ) I could be lying to them. I even offered to send the pictures of the repaired home ( they have damage pictures ) and they don't want that proof. I am unable to scan 2 or 3 different payment venues for 2 year old payments and I do not get " bank statements '' with cancelled checks. NOW they are asking for a lien waiver or a " XXXX invoice '' to prove that this is a REIMBURSEMENT. The work is done and we have borrowed and worked our butts off to see that it has been done. We are a senior household and a veteran household and I resent being called a liar and having my ethics questioned, not to mention I am still not reimbursed ( I have the check..they want me to sign it and send it and I don't trust them to do the right thing ) for the thousands of dollars and 2 years of fighting we have undergone. Please help, XXXX XXXX has refused to assist and the CEO of Provident isnt returning my calls. We are fighting for our lives ... and Provident is trying to destroy us.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion should post the latest update on mt credit report
Product: Credit reporting or other personal consumer reports

While reviewing my credit report, I found incorrect details about some accounts that are causing my score to drop unnecessarily.
Product: Debt collection

this is against three debt collectors capstone credit, XXXX XXXX XXXX, and XXXX XXXX XXXX, i have disputed the information on my credit report 8 times capstone credit is a debt collector that bought this debt from an apartment complex name XXXX   XXXX XXXX, im sending you documents about this account first thing i recentcly found out that i was declined entry on my origanal application and when i was evicted in XXXX they only wanted possession they never filed the second part of the eviction under florida law to go after me for rent i owed they put it on my credit reports in XXXX of XXXX, when they had 20 dayafter the final date of XX/XX/XXXX to do so. XXXX   XXXX XXXX was a lease agreement that i entered into to get furniture in XXXX subsequenty the building was condemed in XXXX XXXX so they could not of delivered it to that address in XXXX as the building was torn down in XXXX of XXXX an as you look at the signature line there is not one on top of the fact that they are not licensed to collect debt in florida .XXXX XXXX XXXX was a medical bill that i proved did not belong to me and had it removed from my XXXX  report and now they have added it back to my XXXX report and my XXXX report
Product: Credit reporting or other personal consumer reports

looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian on XXXX XXXX, 2024 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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- ( ) 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. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledae of errors. According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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- ( ) 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. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors 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. This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not please because the credit bureaus keep on fail me they never do a proper investigation and only can send you back respond that is verify with no proof and that the information reporting is accurate with no proof I told them Im not the one who sign for the loan that been reporting and I never sign any documents with my written signature upstart verify the account belongs to me because its have my information there is a alot of people have my information so they need to do proper investigation before they give a loan to someone because I did not authorize upstart to give me a loan I never sign any documentation they dont have any proof that it was me never send to my address the documents was sign online with my signature with no proof its actually me sign it so both them and the credit bureau violate my rights and privacy and fail me I have rights because its my consumer file and that document did not sign by me thats document sign online they never send any documents to my address to sign and they never verify its me so they fail me I need this problem to fix and remove from my consumer file
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  # XXXX with Action collections services and # XXXX with XXXX of XXXX XXXX both have violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I requested my XXXX credit reports from XXXX XXXX XXXX XXXX XXXX through certified mail. My request arrived on XXXX. On the request form it clearly states my request would be processed within XXXX days. It has now been more than 15+ days with no credit reports or mail communication. I am in dire need of my credit reports as I can not operate as a consumer if I cant see my credit information. I am losing consumer time & confidence.
Product: Credit card or prepaid card

hello good morning, I am presenting a new report against XXXX XXXX cards for their constant increase in interest month by month
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report. Please adjust these accordingly. 

XXXX XXXX XXXX XXXX Balance {$35000.00}, XXXX XXXX XXXX XXXX Balance {$2100.00}, XXXX XXXX XXXX XXXX Balance {$2400.00}, XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Debt collection

On XX/XX/2022, I authorized a check payment in the amount of {$6500.00} to XXXX XXXX XXXX. 

All other checks processed for payment cleared my account without any problems. 

On XX/XX/2022 XXXX XXXX  I received an email from XXXX XXXX XXXX  claim. 


On XX/XX/2022, XXXX XXXX of XXXX XXXX XXXX claimed on XX/XX/2022, the " payment posted '' but the " check was returned due to insufficient funds. '' This is factually incorrect. The reason I paid my balance in FULL was because there were sufficient funds in my account and remain sufficient funds in my account. All other authorized check payments cleared my account EXCEPT XXXX XXXXXXXX XXXX. 
XXXX XXXX denied there was a delay. XXXX claimed he did not know if there would be " enough '' to for me to cover the debt. I responded that he was making inappropriate considerations. XXXX XXXX is not my financial advisor. I am the customer, I paid the debt in FULL. The business need not be concerned about my " ability to pay '' as the debt was paid in FULL with the expectation the business would complete their end of the transaction without ANY delays. XXXXXXXX XXXX statement indicates he is acting outside the scope of his duties. My financial abilities should be of no concern to XXXX XXXX XXXX as my payment was made in FULL on XX/XX/2022. 
I informed XXXX XXXX XXXX that I will be contacting Capital One bank about their business practices. 

I request an inquiry into the severe delay in processing my payment as it is now XX/XX/2022. 

Attachments ( 1 ) XXXX XXXX XXXX Email to Customer
Product: Payday loan, title loan, or personal loan

The company has been on auto draft from my account for around 2 years. Out of nowhere they disconnect all accounts and on top of that start charging late payments when I have had the same account info since 2016. I can not make a single payment over the phone, online, on the app NOWHERE. They are destroying my credit and refusing to answer customer support emails or provide any way of just paying off the credit line. I have filed a dispute with my credit company because this has to be some sort of malpractice. If the consumer cant pay a debt and the provider has no way of offering them a way to pay said debt its not valid!
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached letter from XXXX XXXX, dated XX/XX/2017. This item should have been removed from my XXXX, Tran Union and XXXX credit report. I/XXXX contacted XXXX XXXX by phone questing why hasn't XXXX sent over the correct information based on the issuance of 1099-C form. I have already paid via tax form 1099-c in 2017. The should balance should be at XXXX and removed from all 3 credit report companies. 
. 
I'm getting penalize twice. There has not been any updates sent to 3 reporting agency. the balance still there.. please update and remove based on 1099-c form. 


Thank you, XXXX
Product: Money transfer, virtual currency, or money service

My XXXX  job client paid me {$160.00} on Tuesday XX/XX/XXXX to my Venmo and it never reached me but was debited from her acct. After we recognized the error she disputed the XXXX with her bank and I have all the supporting documentation. They debited me and said transaction disputed was XX/XX/XXXX. I was paid correctly XX/XX/XXXX and all the documents show it was the XXXX she disputed with her bank. I am now negative {$140.00} in my Venmo and they refuse to listen to me or the client about their error. I earned that money and should not be debited when they took the wrong transaction, I never got the XX/XX/XXXX money so I am out all of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't understand why once again XXXX XXXX XXXX XXXX ADDED the following comment BACK under my VA mortgage loan with regards to a Natural Disaster that has not happened to my residence nor area. This is once again being submitted as well to my insurance company and FEMA. 

I do not understand why additional false reporting is being done by XXXX XXXX XXXX XXXX after each complaint I file to the CFPB. There is a serious issue and pattern of misconduct going on and I need answers. I need this ONCE AGAIN REMOVED from my credit report. 

Also per last complaint to the CFPB, I need all payments be reported to the credit bureaus so I can move forward with my personal bank taking over my loan to refinance since this issue seems to never be resolved per XXXX XXXX, refer to XXXX XXXX XXXX XXXX taped phone conversation. 

Here goes ANOTHER CFPB complaint. 


Sincerely, XXXX XXXX Updated Account Information XXXX/XXXX XXXX - Remark Added to Account Remarks are meant to make your report more clear. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. 
Between XX/XX/2018 and XX/XX/2018 the following remark was added to this account : Affected by natural disaster
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

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

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

A bank in New Hampshire ran my credit from my social security number
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>