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

On XX/XX/2021, the attached dispute was sent to XXXX. USPS receipts indicate the dispute was delivered on XX/XX/2021. To date, no response has been received from XXXX. Despite this, the public record in question remains on my 3 major credit reports and XXXX report. I have attempted to dispute the record in question with the credit reporting agencies ( XXXX, Experian, and XXXX ), however they have stated in writing on several occasions that they were able to verify the record despite my XXXX report being frozen at the time. This would also mean XXXX continues to provide my information despite the freeze existing which supposedly legally bars them from doing so.
Product: Credit reporting or other personal consumer reports

On XXXX I submitted a dispute letter to Experian stating that this alleged account is not only reported as a opened account but also shows a balance but to also send me proof that the alleged debt is my debt also I know that its illegal for any credit agency to report a closed account as open and show a balance and this is a violation with the fair credit act and is also a violation with the requisite Metri 2 complaint
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX I paid off the card ending in XXXX with XXXX. I paid XXXX. For some unknown reason they won't answer still, they transferred XXXX to a XXXX card I had on XX/XX/XXXX. That left me a XXXX balance at XXXX and I now owed XXXX XXXX. I called over 10 times and emailed secured messages over XXXX times asking them to correct this and transfer the money back to make both accounts XXXX. On XX/XX/XXXX XXXX XXXX decided the way to correct this was to deposit XXXX in my bank account and have me XXXX XXXX. I did on XX/XX/XXXX. I cancelled both cards. On XX/XX/XXXX I receive a statement from XXXX XXXX saying there had been a " reversal '' of the XXXX and I now owed XXXX again! I have sent over 20 secure emails. Called 6 times. Been put off by every person there. NO one can resolve this. Now they gave me a phone number to some bill pay person that is just a phone message and the person does not speak english well. Please help with this. They are now charging me interest. They won't escalate to a supervisor that will resolve it. Supervisors do not call back after I have talked to them and they promise to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, US Dept of Ed/XXXX/XXXX. There are also inquiries on my report that .I know nothing about XXXX/XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX AND XXXX .
Product: Debt collection

I owned an account with Bank of America for years. When covid hit, i had some issues and ended up out of work. When i contacted the bank asking if i could change my payment date because i couldnt afford to make the monthly payment, they told me that they were unable to make any changes for the monthly payment and if i were to update my payment date it would take 3 months to update, which means i still had to find a way to make my monthly payment. Knowing that i would be unable to do so, i requested to close my account with them to avoid any further interest charges. The bank did not close my account and continued to bill me with increasing interest causing my card to go over the limit. I had several other credit card accounts at this time, as well as an auto loan.. i was able to change the payments for every single account other than Bank of America XXXX I would have no problem paying my debt if it was the accurate amount, but I will not pay a debt i dont owe to a company i had a very long standing relationship with that refused to help me.
Product: Credit reporting or other personal consumer reports

This is my 14th endeavor 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 records 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 Inquired XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$0.00} XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 I suffered a debilitating illness and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXX XXXX and now that account is in collections with " XXXX XXXX XXXX ''. There are several fraudulent credit inquiries posted to my XXXX credit file that I did not authorize.
Product: Credit card

I am attempting to apply for the Louisiana SCRA. The Louisiana statute RS 29:312 states that no military members stationed within Louisiana can be charged more than 6 % interest.

AMEX has stated that my account is not eligible for Federal SCRA statutes and that they do not have any means to apply for a Louisiana Specific law regarding the SCRA.
Product: Credit card

THIS COMPLAINT WAS NOT ADDRESSED AT ALL. INSTEAD XXXX FROM THE OFFICE OF VICE PRESIDENT RESPONDED TO XXXX CLAIMS AND MADE THE RESPONSE THE SAME FOR EACH CLAIM. EVEN THOUGH IN HER RESPONSE IT CLEARLY STATES WHAT SHE IS RESPINDING TO. VERY SLOPPY, MESSY AND RUSHED WORK. ALSO LYING STATING SHE TRIED TO CONTACT ME WHEN SHE DID NOT. 

I opened a dispute for a defective XXXX XXXX on XX/XX/year> ( Case ID : XXXX ). On XX/XX/year>, Barclays left a voicemail requesting that I contact them. I returned their call on XX/XX/year> with no luck in getting a rep, and again on XX/XX/XXXX, XXXX calls were recorded. On XX/XX/year>, I spoke with a representative named XXXX, who informed me that Barclays had closed my dispute under the assumption that I no longer wanted to continue it. This is false, as I made multiple attempts to reach them. Barclays appears to be deliberately closing dispute investigations and misrepresenting customer interactions, seemingly hoping that customers will give up. Additionally, Barclays fails to provide any documentation or evidence to support their decisions when denying disputes. This lack of transparency and accountability is unfair and unacceptable. I request that my dispute be properly investigated and that Barclays be held accountable for their misleading and deceptive practices.
Product: Mortgage

At the beginning of 2023 I opened a savings account so that I could use it specifically for my mortgage payment and nothing else. Prior to opening the account, my partner and I were using his savings account but I wanted to have an account that was just for the mortgage, and I opened my savings. Unfortunately, I had gotten my savings account number and my partners confused and our mortgage payment kept bouncing. I had discussed these happenings with the service handler, which is Lakeview Loan Servicing, which is a subservice of XXXX and we tried to figure out why we were seeing returns, because it wasn't showing up in my bank account til my partner realized I had HIS bank account listed in our online, XXXX Lakeview account. Needless to say we corrected it right away and we made all the payments again, that had not been applied to our mortgage account. However, since we have corrected the error and made the payments, Lakeview says WE NEVER MADE THE PAYMENTS. This is false. We made the new payments and they had gone through my bank without a problem. Lakeview repeatedly tells us they were returned to the bank for insufficient funds. The payments were not returned to our bank. When we called them, they repeatedly and intentionally put us on hold and never came back. This was done several times to us and as I type this, the rep named XXXX has put me on hold on purpose and has not come back, after 30 minutes waiting, a rep by the name of XXXX took the call. She says the payments that Lakeview physically had in their possession, were returned for insufficient funds. How does that work exactly? 
Other reps denied that there was any money available to apply to my mortgage. I feel as if they are intentionally trying to make us late so they can start a foreclosure. I'm actually frightened. All I want is a mortgage servicer that I can trust and is not shady. How can I switch mortgage handlers? - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXXXXXX XXXX XXXX and ask them to send me a copy of the signature of the original l paper they informed me the could no send me the.copy because they did not have a copy of the signed paper. Yet Transunion keeps saying it was verified I have asked Transunion to send me the copy of the signed copy they have yet to send me anything showing it was verified. By law they have to send me this information or delete XXXXXXXX XXXX XXXX. I need a copy of everything charged on the account they claim I Opened and charged which I did neither
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Mr. Cooper XXXX : Loan # XXXX We thank your office for your interest concerning our issue with Mr Cooper. Mr Cooper has dealt with us in a very unlawful manner. Breaking all rules and regulations concerning foreclosure. First our original loan was about {$370000.00}. Due to lost of business, we failed behind on our payments. Mr Cooper claimed that they kept adding the payment and interest on the loan principal. They now claim that the loan balance today is {>= $1,000,000}. In XXXX XXXX. The judge recommended that Mr Cooper allow us to do a modification on the loan. Mr Cooper refused to adjust the loan balance, by reducing the interest and principal reduction. That resulted to unrealistic monthly payments. Mr Cooper came up with a monthly payment of {$7500.00} months payment. Which was unaffordable. One can see that Mr Cooper has one goal in mind. That is to Foreclose on the house, then write of the list for a wind fall as tax return. Now the judge has given us the opportunity to sale the house as a short sale. We have engaged the service of a real estate license agent. He was able to get three offers. One of the offers is a cash offer. That will actually take a little time to close on the house. The sale day on the house XX/XX/XXXX. Mr Cooper has crusted the efforts of our Realtor. They will not allow him to put the transaction in the XXXX. Mr Cooper is pretending, and claiming that there is not enough time to execute the short sale. Still waiting for the sale date to come and pass. So that the title will pass to Mr Cooper. In light of the above, we are pleading to your office to intervene. To appeal to Mr Cooper to grant a reasonable time to execute the short sale, there should be no reason for them not to allow more time. We did an appraisal on the house this year in XXXX. To determine a fair market price for the house. We have used that appraisal to list the house, and have received three offers. Mr Cooper will not allow us to do the short sale as granted by the court. All Mr Cooper is focused on, is to foreclose on our house, as as to write it of on there tax return. So to have a wind fall. Just three months ago Mr said that our loan balance was under {$900000.00}. With s short period it has jumped to over one million. All the number are made up numbers. The loan was sold and traded. It has interested individuals that has interest in the deed. We plead to your office to intervene on our behalf. So that Mr Cooper to move the sale date to XX/XX/XXXX. Giving s fair reasonable time to do a short sale. In hope that you will intervene on our behalf. We thank you in anticipation. XXXX and XXXX XXXX, and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute twice to correct a state lien that was incorrectly reporting on my file. Both came back as substantiated. I contacted Equifax multiple times by phone escalating to the consumer affairs department each call. Each time I stated the issue and received false and illegal information from each representative I contacted. I then went to the state verified the inadequacy of the lien, which both were removed. I contacted  XXXX   XXXX  which updated their file and their new information did not include these liens. I forwarded this report provided to me to Equifax to reinvestigate the dispute. I was misled numerous times that they are verifying the information directly from the court. I was misled because they told me that they had to wait for  XXXX   XXXX  to verify my claim to their report. I was misled because I was told that Equifax was not able to access  XXXX   XXXX  files on demand. I was misled because I was told that they had 30 days to complete the reinvestigation after documents were provided.  XXXX  refused to furnish me the correct agency 's information used to verify this debt in their investigation process upon request of myself.   I have been harmed tremendously personally by their unethical and illegal business practices. It has effected my life in many ways but recently it has effected a home purchase, which they were made aware of numerous times during my communications with them.   They have verified this debt as accurate. Their only means of verifying this public record is by using  XXXX   XXXX  reports.  XXXX   XXXX  shows these liens do not exist in the report I provided Equifax upon initiating the reinvestigation and they are absent from  XXXX   XXXX  records after the completion of Equifax 's resolution to my dispute as well.
Product: Debt collection

Trying to buy a house and I realized I had damages on my credit report. According to the 15 USC 1681 law. There should not be any damages on my report. It is a defamation of my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't had any success with updating/correcting my personal information with the XXXX credit bureaus, Equifax, XXXX, and, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am at my whits end. I honestly do n't know what else to do. I 'm trying to get some inaccuracies off my credit report but i keep running into dead ends with the credit bureaus XXXX ... ... .. 

XXXX # XXXX I HAVE NEVER DONE BUSINESS WITH XXXX!!!!! I HAVE ALSO TRIED TO CONTACT THEM SEVERAL TIMES!!!! CLEARLY THIS COMPANY HAS MADE A MISTAKE AND THIS ACCOUNT SHOULD BE REMOVED IMMEDIATELY!!!! 
-XXXX XXXX # XXXX THIS COMPANY IS IN SEVERAL VIOLATIONS OF THE HIPPA LAW!!!!!!!!! THEY SENT ME SEVERAL DOCUMENTS THAT HAD ALL MY MEDICAL INFORMATION ON IT ... .DOWN TO THE PROCEDURES I HAD DONE. i ASKED THEM FOR A MEDICAL RELEASE FORM AND THEY FAILED TO SEND ME ONE!!!!! THIS COMPANY NEEDS TO SEND THIS ACCOUNT BACK TO THE ORIGINAL CREDITOR AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORT ASAP!!!! 


( TRANSUNION ) ) PUBLIC RECORD # XXXX FIRST OF ALL I HAVE NEVER IN MY LIFE FILED BANKRUPTCY!!!!! SOMEONE HAS MADE A MISTAKE AND IT IS CAUSING GREAT DAMAGE TO MY CREDIT REPORT!!!!! THIS IS VERY INACCURATE INFORMATION AND NEEDS TO BE REMOVED!!! HOW IN THE WORLD ARE YOU VERYFYING THIS ACCOUNT TRANSUNION? WHO ARE YOU SPEAKING WITH? CAN I GET A NAME, DATE AND TIME SO I CAN PROCEED WITH THE STEPS I HAVE TO TAKE!! 
-XXXX XXXX XXXX I HAVE NEVER DONE BUSINESS WITH XXXX!!!!! I HAVE ALSO TRIED TO CONTACT THEM SEVERAL TIMES!!!! CLEARLY THIS COMPANY HAS MADE A MISTAKE AND THIS ACCOUNT SHOULD BE REMOVED IMMEDIATELY!!!! 
-XXXX # XXXX THIS ACCOUNT IS INACCURATE ... THE ACCOUNT NUMBER AND THE BALANCE OWED ... .PLEASE REMOVE!!!! 

( ( XXXX ) ) XXXX XXXX # XXXX THIS COMPANY HAS ALREADY HAD CHARGES BROUGHT UP AGAINST THEM FOR FAILING TO SEND REQUESTED DEBT VALIDATION!!!! I SENT THEM A LETTER FOR DEBT VALIDATION OVER 1 YEAR AGO ... .NO RESPONSE AND THE LETTERS KEEP COMING BACK ... HOW ARE YOU VERIFYING THIS?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on 3 credit bureaus to remove the unverifiable items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$5000.00}, XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX  XXXX XXXX Date XXXX XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00}.
Product: Credit reporting or other personal consumer reports

I took my daughter to the XXXX at XXXX XXXX XXXX XXXX for XXXX concerns in XX/XX/XXXX. My daughter has XXXX health insurance policies. XXXX XXXX XXXX and XXXX XXXX. Both insurances cards were given and scanned in. In XX/XX/XXXX I received an alert on my credit report for XXXX with UCB Collections. I had no idea who they were so I called to get an explanation. I was very upset that this was done as I admit, my tone was raised. The representative I spoke to was upset because I was upset and demanded that I make a payment. I explained that I didn't know what it was for or who they were acting on the behalf of. They then gave the name XXXX XXXX XXXX and hung up in my face. I then started to XXXX XXXX and couldn't find much of anything on them. I called the hospital 3 times until someone told me that it was the ER Services at XXXX as they use a private XXXX. I was finally able to obtain their number. I then called them to ask what was going on. The young lady was very rude and demanded that I call UCB Collections. I asked why as I gave them my daughter 's insurance cards to file the claim. She then stated, " we'll you can give it to them again for filing as we couldn't confirm it '' and refused to speak to me any further. I then called UCB Collections back and informed them as of what I was told. They some how already knew I was calling right back. They then confirmed that they showed I gave both insurance cards then proceeed to confirm the information. They had the names correct of the insurance providers but the wrong member ID numbers. I expressed that I didn't understand how as they took the cards and scanned them in. I then provided the correct member ID numbers. I then asked what was next and were they going to remove this information from all 3 credit bureaus. The individual stated that they would attempt to file the claims but if they were denied, I would be responsible for the full balance being that it was over a year ago. Neither of them reached out to me regarding this. I didn't receive a letter from UCB until a few days after I called in, informing me of the debt. I still haven't heard any updates and I've disputed this twice on my credit reports. They refuse to remove it despite it being an error on XXXX 's behalf. The patient should not be held accountable for the billings department lack of ability to do their jobs. I did my part for my daughter by providing the insurance cards and completing the requested paperwork. Placing something on someone's credit report without confirming is a very unprofessional and heartless act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX 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-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/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-Date of inquiry XX/XX/XXXX