23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

XX/XX/XXXX, I received a past due balance statement from a Kross Lieberman & Stone in my maiden name, with my name spelled incorrectly. I contacted them to inquire what it was. I told them that it was sent to me in maiden name and spelled wrong. I have been under my married name for 8 years. They had my information attached to an icloud account that is not mine. I do not have an icloud account. They claim I bought a whirlpool kitchenaid mixer XX/XX/XXXX. I did not purchase this or sign for this. I suspected fraud & reported it to the police. I was advised that it was fraud & to ignore, but monitor my credit. They then called my parents home & left a message and sent another letter in XX/XX/XXXX. I again contacted police again. I was given the same advice and told if they continue to harass, to file an official report. In XX/XX/XXXX, I got another letter. Last week, we noticed our credit drop on our credit card statement. I went and filed an official report with the police and was advised to contact the agency to give them the police report number. When I contacted the agency, they told me to dispute it in writing. I told them I suspected fraud. They asked me questions about my information, and I again told them of the error in the name and the account that it was tied to. They then told me a new date as to when it was purchased & that I supposedly made two payments and stopped. They said it was delivered to my house. This information was different and new from the time I talked to them XX/XX/XXXX. I did not authorize such a purchase nor did I have it delivered to my house. The man I spoke with last week was completely rude. I was told to " put the report number in my dispute letter if it made me feel better. '' I asked how I supposedly paid for this and asked to be sent a hard copy of the authorization for this item and was told that they did n't do that.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$480.00} XXXX XXXXXXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX AND XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX  XXXX Balance : {$480.00} XXXX ( previously late/open ) XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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. 

ONEMAIN - Account # XXXX The above account have violated my rights. 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 card or prepaid card

I bought my daughter a XXXX gift card for my daughters birthday on XX/XX/XXXX. Immediately there were fraud charges on the card. We called XXXX customer service on XX/XX/XXXX to make a dispute for the fraud charges. We were told it would take 7-10 business days to get the replacement card and could take up to 15-20 days for the claim to be resolved. I received an email on XX/XX/XXXX confirming the case and charges being disputed and that the card and credit would be mailed out. Then another email on XX/XX/XXXX closing the case and refunding the money. We waited until XX/XX/XXXX, still no card. This time when we call Visa Customer service were told that the cards can take 15-21 business days to come in the mail and the card was mailed in XX/XX/XXXX. This wasnt told to us the 1st time when we made the claim, they said 7-10 business days. I asked what options do they have to replace the card and overnight one or to get a virtual XXXX since it has been so long and the card hasnt arrived. I was told there isnt anything that can be done and because of COVID this time frame is normal. But we were told 7-10 days the 1st time we called. I asked what compensation could be offered or any refunds on the cost to activate the card and was told there is nothing else that can be done. This is very inconvenient to wait a whole month to get a replacement card. I then asked if the card doesnt come by XX/XX/XXXX ( when they said it should arrive ) what happens then. The rep said they could reach out to XXXX to find out what happened to the card? As to say there is a tracking number or something. Still not offering the option to overnight the card or email a virtual card. I dont recommend using the XXXX gift cards to anyone with limited finances as they will leave you waiting with no options.
Product: Debt collection

XXXX XXXX  refused to bill medical insurance for a XXXX  XXXX  exam. 
Claim was sent to medical insurance by the patient to two insurance companies. 
Insurance paid the XXXX place directly for the diabetic eye exam. 
XXXX  place kept billing after receiving payment from insurance. 
XXXX  place put the bill in collection with XXXX  collection agency. 
Phone calls were made to the XXXX place about the billings. 
Patient was told that this was an insurance problem and to call the insurance company. 
Primary insurance paid, then the secondary insurance paid the XXXX place directly. 
The billing continued for months which turned into a collection and credit reporting. 
Patient was told to pay the collection agency. 
XXXX  collections failed to address problem and continued with credit reporting. 
XXXX  place did not update payment records from patient for account in collections. 
XXXX place is now closed in XXXX XXXX.
Product: Credit card or prepaid card

Discover Bank has sent some convenience checks back in the years ( XXXX or XXXX ) l when discover credit card was opened for first time approximately in the year of XXXX in the amount of {$10000.00} or more was issued to the contractor in-between the year of XXXX. I have used that convenience check for home repair - ( finishing the basement ). XXXX took the full check amount - and did not complete work at my residence.I personally do not have any receipts from back than- due to convenience check goes to Discover Bank- & that balance was paid through one the mortgage company ( XXXX XXXX  ) which was refinance to paid off the balance in XXXXfollowed by XXXX XXXX XXXX. 
Many family circumstances for hardships and struggles during that time - I have not took any further steps to resolve the fraud- On today 's note- I wanted to start these hope for furthering the investigation on these details- due to many other situations to clear for clearing the finances. 
I have not contacted discover card due to outstanding balance-that I owed to them- which they have brought into the court case- on XX/XX/XXXX. 
Since XXXXMyself had went through many many other financial hardships due to loss of income- family changes- along with the World Pandemic Lockdown in XXXXAs of today 's date of XX/XX/XXXX ( Monday ) many other areas are not completely stabilized due to many other reasons. I am receiving support from department of social services - such as medical & energy assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several complaints to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account NameXXXX XXXX XXXX Account XXXX Account NameXXXX Account Number:XXXX Account NameXXXX XXXX Account Number:XXXX  Account NameXXXX XXXX Account Number : XXXX Account NameXXXX XXXX  Account Number:XXXX  Account NameXXXX Account Number:XXXX Account NameXXXX XXXX XXXX  Account Number:XXXX Account NameXXXX XXXX XXXX  Account Number : XXXX Account NameXXXX XXXXXXXX Account Number:XXXX  Account NameXXXX Account Number:XXXX XXXX XXXX XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

This information is erroneous and is liable for misinformation. XXXX and Trans Union are reporting information that is not been certifiable by a notary.
Product: Credit card or prepaid card

On or about XX/XX/2021 my card was Stolen from me. I was robbed by somebody who I don't know. I attempted to make a police report I was told they can only take my statement due to my card issues were out of XXXX. I contacted the bank and express my situation and disupted the transactions made fraudulent to my account and they denied me and my hardship claim for an early withdrawal with prejudice I believe
Product: Credit reporting, credit repair services, or other personal consumer reports

N ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS # XXXX  XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION : 602 A. STATES I HAVE A 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 or other personal consumer reports

Two months ago after reviewing my credit report with Equifax, I began to dispute medical collection accounts that do not provide the provider, original creditor or collection company contact information so I do not know where this account came from and/or if it even belongs to me. To this day, I have not received the requested information from Equifax via any type of correspondence or an update on my credit report. According to the Fair Credit Reporting Act ( FCRA ), it requires consumer reporting agencies ( CRAs ) to investigate and correct inaccurate information on a consumer 's credit report within 30 days of a dispute. If the CRA can't verify the information, it must be removed from the report. 
These types of inaccuracies are unacceptable and hurting my credit rating. Credit reporting laws ensure that bureaus report only 100 % accurate information. I am demanding a full re-investigation and this misleading information to be deleted immediately!
Product: Credit reporting or other personal consumer reports

Hard inquires : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied Bank of America XXXX  XXXX Visa Credit Card around four months ago. The offer was spending {$2000.00} in 3 months and you will get XXXX additional XXXX  XXXX miles. I called Bank of America XXXX  on XX/XX/XXXX and was told by the representative that I would need to spend {$35.00} dollars more by XX/XX/XXXX to meet the spending requirement and I followed her instruction. However, when I called approximate 1 week later, the other representative told me that I was still {$23.00} short and my offer expired, so there was nothing I can do but losing my bonus. 

I explained to her my situation and asked her to open a case. She did, but I have not heard anything back from the response ever since.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion has fail to properly investigate my dispute cleaning that they verify the public record XXXX I have paperwork from the court stating that they don't verify or validate any accounts so transunios is in violation of the privacy XXXX and also there vender LCI consumer they must send me proof directly from the court and stamp to proof they verify it if they can not do that the must delete the XXXX in question
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 - Mailed Multiple request to remove invalid inquires 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX  4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX none were removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX XXXX are reporting false information in my credit report. I disputed the information. They sent an email saying they had changed it. However they will not let me see my credit report nor will they let me login to the website. I requested they send the information by mail as required by the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting fraudulent accounts on my credit report which includes the amouts of {$4200.00}, {$17000.00}, {$14000.00}, {$13000.00}. 

Please find the enclosed Affidavit of Identity Theft, regarding the above mentioned account. Please cease from reporting this information on my credit file.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX from 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 an account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt
collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been a victim of identity fraud, there are numerous of accounts showing on my report that do not belong to me including, XXXX XXXX XXXX  Opened XX/XX/XXXX ( 4 yrs ) {$430.00} AUTO LOANS XXXX XXXX Opened XX/XX/XXXX ( 1 yr, 6 mos ) {$8100.00} COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX ( 6 mos {$8900.00} XXXX XXXX XXXX Opened XX/XX/XXXX ( 6 mos ) {$2500.00} XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX ( 3 yrs, 1 mo ) {$1900.00}
Product: Debt collection

I noticed that my bank account was less than it should be. I contacted my bank and they stated that there was a writ of execution on there! They provided me with the company contact information so I called. They said that there was a judgement against me back in XX/XX/2013. I asked if there were other options for payment and the woman said NO, we will not release the funds. I again asked if there were other options for payment. She again said No. I reminded her that this judgement was from XX/XX/2013 and she said it doesnt matter we have so long to collect and we will not be releasing the funds! I was never notified and they would not offer any alternative methods of payment then the one lump sum they were holding!
Product: Credit reporting or other personal consumer reports

I provided Experian all documents they requested to remove a collection on my report that resulted from identity theft. I have been a victim off several data breaches and there was an account opened fraudulently in my name. I provided my FTC case number, a copy of my ID, and a utility bill ( not sure why Experian would want a utility bill ), but I sent it anyway. Experian refuses to delete this fraudulent collection that is not mine. All the other credit Bureau 's had no issue and worked with me and deleted it immediately. I'm not sure what else a consumer can do. All they do is verify the info with original creditor and say everything checks out. Its ridiculous.
Product: Credit card or prepaid card

In XX/XX/2023, I went on to the Jetblue Barclays website in order to set up a repayment plan for my credit card account, as I received emails from Jetblue/Barclays offering alternative repayment options. I set up what I thought was a repayment plan that would allow me to get back on track after falling in financial hardship due to recent XXXX  XXXX. 

I didnt realize the repayment plan option that was given to me online would close my account as it wasnt explicitly displayed on the site ( also all of the other credit card companies I called that day to set up a payment plan with didnt involved the account being closed ) resulting in me overlooking that important detail.

Im asking that because this error/over-site occurred less than a month ago, that my account be reinstated. Ive worked so hard over the years to build my credit and this would be devastating to my future financial health.
Product: Mortgage

I have had the same home owners insurance since the purchase of my home in XXXX My insurance is escrowed and payed by Mr Cooper, my mortgage company. Unbeknownst to me, my ( ex ) insurance provider was sent the bill in XXXX, never responded and the policy was canceled. I knew nothing of this. Yesterday, i stumbled across a 2nd notice from them in my email saying my insurance was expired and i needed to find a policy. I went back to look for the first notice and they told me it was canceled around XX/XX/XXXX the first time. I missed that notice. However, it was canceled in XXXX so by time i found out yesterday it had lapsed 2 whole months!! They have billed me and collected my money for the policy as part of my mortgage and are responsible to pay the insurance from there but chose not to. Now i lost a good policy and have to pay almost {$200.00} dollars more costs of living due to their failure to pay, as new policy is much higher. On top of that, I could have gotten a 30 percent discount with my car insurers on home owners insurance as a bundle discount with my cars ( on top of being a diamond member with XXXX, but they are refusing me home owners insurance at any rate because it is company policy that they will not cover if there is a lapse in coverage. Now, not only have i missed out on my previous affordable policy, but i've missed out on the chance to get a huge discount on a new policy with XXXX and it's all because Mr. Cooper just never disbursed my payment when XXXX XXXX XXXX ( old insurer ) sent them the bill as they do every year. Now is not the time to increase bills in this economy ... and so suddenly and drastically. Unfair. I feel cheated and distressed. There's no way to get my old policy back... it's too late. There's literally no way to get a live person on their phone. No explanation, no apology ... no recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT LETTERS OFF XX/XX/XXXX AND STILL HAVE NOT GOTTEN A RESPONSE OR REMOVAL FROM EQUIFAX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite my repeated efforts to address the inaccuracies in these accounts, I have not received any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Product: Credit reporting or other personal consumer reports

I was enrolled in the hardship program with XXXX XXXX XXXX XXXX beginning in XXXX XXXX XXXX XXXXnd following months. The financial program does not report late payments while in program however the credit bureau still is reporting late. I confirmed over the phone with the company that I was in fact enrolled during this time. I was also enrolled in this same program in XXXX XXXX  XXXX and am facing the same issue with late reporting while in program. The credit report itself shows I am in the financial hardship program so they know for a fact that I was enrolled and decided to erroneously report late payments. They also reported late payment in XXXXXXXX XXXX XXXXXXXX which shows payed before due date and posted.