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

Subject : Immediate Request for Opt-Out and Deletion of Credit Report XXXX  XXXX  XXXX XXXX ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : XXXX. XXXX15 U.S.C. 6802XXXX - Mandates explicit consent for financial information disclosure, including a clear option to opt-out. 
XXXX. XXXX16 CFR 313 ( Privacy of Consumer Financial Information ) XXXX - Ensures my right to privacy and to block unauthorized personal information disclosure. 
XXXX. XXXX15 U.S.C. 1681XXXX - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Credit card or prepaid card

i charge my credit card online with the transportation transfer from the airport in XXXX, XXXX to my hotel in XXXX in order to be pick up on Tuesday XXXXmy flight was delayed in XXXX, Nj due to the weather. and we arrived late at XXXX, NC XXXX and missed the connection flight to XXXX. we were able to take a flight to XXXX XXXX XXXX with XXXX XXXX arriving close to midnight, from the airport i tried unsuccessful to cancel or change the transfer but the system they have online did not allow me i also tried to call XXXX phone numbers listed but nobody answered i did tried to chat with them and nobody replied, I called from the airport where we have to slept overnight CAPITALONE credit card and explained my situation i issued a dispute and i was told no problem they gave the credit temporally but after a few days of investigation they reverse the charge .we were able to reach XXXX XXXX XXXX hours on XXXX .we didn't received the service that we are charge i haven't received the proper legal policy of cancelation from the merchant and the credit card company is not protecting the client by way XXXX XXXX and XXXX XXXX  reimbursed us the entire fare after my written complaint i believe that the merchant in XXXX and CAPITAL ONE should do the same is only {$71.00} that was charge. MERCHANT NAME : XXXX and confirmation # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance : {$2200.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XX/XX/XXXX.
Product: Debt collection

I was given a XXXX XXXX XXXX XXXX XXXX XXXX ) from XXXX XXXX XXXX XXXX XXXX XXXX and was put on a plan to pay monthly with the understanding that I wouldn't own the equipment until I had paid a specific dollar amount. My insurance company, XXXX, was also billed and paid for a portion of the equipment. I did pay monthly for a long period of time until the manufacturer XXXX XXXX SENT OUT A RECALL NOTICE stating the equipment was found to be a CARCINOGEN risk and that it had to be returned to my medical provider. Within 3 weeks of that notice I took the equipment back to the medical office that gave it to me, with every accessory that came with it and in the original carrying case. I also provided them a copy of one of the recall notices that I got from XXXX XXXX and a copy of the XXXX XXXX website showing the specific model that I was given. I asked for someone to confirm that my billing would stop and was told that there was nobody available at that time so I instructed the girl at the front desk to discontinue billing me and to discontinue billing my insurance company and I left the recalled equipment in their office. The billing continued to accrue for several months coming to a balance of {$320.00}. I called their office and requested that they cease and desist billing me for a recalled piece of equipment that was potentially cancer causing, and that I had returned to them. When that didn't happen I went INTO their office and told a different receptionist at the front desk to get with whomever was handling insurance billing and stop the billing. She told me that she was the only person in the office besides the doctor, who was with a patient, and made a rude comment about Covid. They continued the billing and then sent my account to a collection agency for the {$320.00}. I have disputed it 4 times with XXXX and both myself and XXXX have provided them with the recall documentation from the manufacturer to verify I didn't just return it and stop paying randomly. The collection agency, XXXX XXXX, continues to respond to the credit bureaus that the debt is owed. I have called, written, e-mailed, disputed and now I am reaching out to CFPB to intervene. I have all the evidence of the recall of the machine, and the equipment was connected to my internet and supposedly reporting until I returned it. They can verify if/when it was being used. Please assist me in getting this erroneous debt off of my credit and that I am treated fairly!!!! On the internet you can SEE THAT IT WAS RECALLED AND DANGEROUS you can see XXXX REVIEWS THAT STATE OTHERS ARE HAVING THE SAME ISSUES WITH THE ORIGINAL MEDICAL OFFICE. I don't know what else to do to get help and get this removed from my credit reports. I have provided and requested documentation for any sort of verification. I didn't sign anything at the doctors office and they didn't provide me with a receipt when I returned the equipment. They continued to fraudulently bill my credit card AND DEFRAUD MY INSURANCE COMPANY.
Product: Debt collection

I received a collections notice for medical services when I have NO outstanding debts. I had surgery in XXXX of this year and was Required to pay my portion UPFRONT before services could be rendered. The total amount paid was {$2100.00} by credit card broken up in 2 payments ( First payment made on XX/XX/XXXX in the amount of {$740.00} and Second payment made on XX/XX/XXXX in the amount of {$1400.00} ). Surgery was performed on XX/XX/XXXX. 

I had to speak with a medical account manager to confirm this amount and to provide them proof that I had already paid my surgery physician, again prior to surgery.

Surgery would NOT be perform without me paying upfront. I was given a refund just last month due to over payment. This is a fraudulent collection attempt. THIIS IS NOT MY DEBT
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrect Student Loan Information for My Student Loan Accounts for XXXX and XXXX! They are reporting late payments for XXXX for XXXX and XX/XX/XXXX and a late Payment for XXXX for XXXX. I have disputed these with my borrowers and the have updated my loan information with all bureaus but Experian will not remove the incorrect information! The XXXX other credit bureaus have updated their information, but Experian has not, and when I Tried to dispute with them they said that because I disputed the information in the past they did not have to reinvestigate my claim!
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX -BALANCE {$430.00} Unauthorized inquiries XXXX XXXXXX/XX/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 XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have consistently tried to remove incorrect information from my credit report, by disputing with XXXX, XXXX and Experian. There are two closed derogatory accounts on my credit report that do not or did not belong to me. They are XXXX XXXX XXXX and XXXX XXXX XXXX. I am a victim of identity theft going back to the early XXXX and forward to 2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX  XXXX DEPTEDXXXX   XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX   XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX   XXXX DEPTEDXXXX XXXX XXXX XXXX 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 or other personal consumer reports

There is an account with XXXX on my credit report which is inaccurate. The creditor being reported is not correct. The company that is currently in charge of the debt is XXXX XXXX. I also would like to add that the reported amount owed is inaccurate. My credit report states that the amount owed is {$150.00}, the statement I received from XXXX XXXX states the amount owed is {$180.00}. You will find the document sent from XXXX XXXX attached to this complaint.
Product: Credit reporting or other personal consumer reports

FCRA XXXX mandates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? Certain listed accounts exhibit inaccuracies in their reporting.
Product: Mortgage

I was interested in a {$100000.00} loan, and my loan officer at the time told me it would have to be at least {$170000.00}. I was concerned about my monthly payment being too high, considering that it was a 9 % interest rate. He said I could just pay down a larger amount of the principal that way, the monthly payment would become lower. 
In XX/XX/XXXX, the loan was funded by Champions Funding and I was told the same thing by the loan representatives. So, I paid {$30000.00} of the principal in XXXX, but my monthly statement showed the same amount. I called the company, and was told that it " needed a little time to recalculate in the system ( the so-called recast ) and that the monthly amount will then be adjusted automatically ''. 
Before this could happen, however, Champions Funding sold my loan in XXXX XXXX to another bank, called XXXX  XXXX now refuses to do a recast. They want written confirmation of this recast, which Champions Funding can not provide, as everything was done verbally. Champions Funding should have done the recast before selling my loan. It was the sole and only purpose of paying the {$30000.00} to reduce my monthly payment. That did not happen. I am therefore requesting a return of my {$30000.00} from Champions Funding in collaboration with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX , I sent a letter to Equifax, asking them to investigate several errors that appeared on my credit report with their agency. Nea rly three month s have passed since I sent the letter, but I have yet to get any response whatsoever. They are supposed to respond within 30 days. I have even attempted to follow-up with Equifax several times, but I still get no response.     I am attaching a copy of the letter than I sent to Equifax in this complaint.
Product: Credit reporting or other personal consumer reports

Between XX/XX/year> XXXXXX/XX/XXXX I notified Experian due to a number of Data Breaches, Identity theft, Incorrect negative information- outdated, and Incorrect Information and eventhough the hospital sent it to collections, my attorney - advocate had them remove this information, as I am getting fiinancial aid from the company and It was removed some days ago, as well as a few bills that I had no knowlege of. 

However, as incorrect Information was removed new ones appeared. As if I was being punished by all 3 bureaus acting as if their now aligned ( Experian, XXXX ) lowering my score. I also was being approved for credit - XX/XX/XXXXXXXX, and denied for other credit as my credit score changed as I filed the complaints. 

I have been diagnosed with XXXX XXXX XXXX,XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX Prior to that my child was XX/XX/XXXX, and I had the family I was renting a hous from have a death of a parent and they fought each other to sale the house, and my family was homeless, as we all lost are jobs during the epidemic shut downs and companies closing, stayed in a battered woman shelter as well. 

I was declared XXXX so I have no Federal Loan Debt, Period -It feels like these bureaus did't do indepth inquiries intenionally, or deliberately carelessly decided to cause me even more indepth hardship, instead of being a public service acting on demon time or just disregarded the work of looking into my cases, everythime I request them to look at each company of complaint coming back with the same or more XX/XX/XXXX I'm sick of this and wised they no longer were used.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this information reporting a few different time this year pursuant to 15 USC 1681 ( A ) ( 2 ) a consumer report DOES NOT INCLUDE ANY Transactions or Experiences between the consumer and person making the report XXXX XXXX is reporting Transactions and Experiences this is a violation of 15 USC 1681 Also XXXX XXXX is in violation of XXXX XXXX XXXX ACT 15 USC 6802 ( 2 ) ( b )
Product: Mortgage

We refinanced our mortgage with The Money Source to an FHA Streamline loan. Our escrow funds balance were misappropriated. They applied the escrow balance towards the principal on the new loan and then sent us notice of a XXXX $ escrow shortage. We have been attempting to get this issue resolved for 3 months. Now they have increased our payment.
Product: Credit reporting or other personal consumer reports

I am writing in response to your notice about an alleged debt : XXXX XXXX XXXX Account number XXXX Before I can confirm or dispute this debt, I am formally requesting additional documentation under the Fair Debt Collection Practices Act. 
Please provide the following within XXXX  days : A copy of the original signed purchase agreement, contract, or other documents showing that I entered into this debt voluntarily and that you are the legal owner of this debt.

A full accounting of the debt, including the original creditor, the amount owed, interest rate, fees, payment history, and the date you acquired this debt.

Your license and credentials to collect debts in GEORGIA.

Written notice of my rights to dispute the validity of this debt within XXXX days under the FDCPA. 
I expect this requested information to be provided in full before I can respond further on this alleged debt. Please send physical copies of all documents to my address below. I look forward to your response within XXXX  days as required by law. 
Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I found these inaccurate addresses in my credit reports and I did not find my current address included. I visited https : //www.ftc.gov and filed an identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inaccurate information which is being posted to my reports. Here is the list of addresses which do not belong to me : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and asked what options were due to hardship of paying student loan. I was informed in XXXX 2019 that forbearance was an option and received and submitted the paperwork as requested. 
Forbearance was denied in letter received due to borrower not signing form. 
I have come to find out I was misled and this is not the reason, the real reason was the loan was charged off to collections before decision was made on denying my forbearance as co-signor. My son lost his job, and I had a XXXX XXXX and am not working, presently on XXXX XXXX  XXXX. The loan was charged off XX/XX/XXXX-19 and my denial was not tillXX/XX/XXXX-19. I was never informed of this sequence of events until I filed a XX/XX/XXXX of XXXX PA complaint. Only then, after leaving voice mail to call me which went un-responded to, was I contacted by PNC Bank. I have not been provided the accurate information along the path of attempting to forbear the loan. I simply am asking for options available to any borrower and attempting to pay the loan payments as required when able.
Product: Credit reporting or other personal consumer reports

On the following dates XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. I sent the letters to Equifax to request to verify the account and provide the documents to verify that this account ; XXXX XXXX XXXX XXXX, belongs to me. I sent the letters to this address XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had inquired about a listing on XXXX  for a rental home in XXXX  for when I was currently working over there. The person had gone back and forth with me about the property and payments. The down-payment was XXXX dollars, which they claimed they received. Than they request first month payment on top of that of amount of XXXX dolllars. They told me to send it to a different zell email through my banking app XXXX. They claim the XXXX went through on zell through my XXXX  XXXX  app, but not the XXXX, even though my zell activity says they got it. Than they requested that I send payment again. I said no and we went back and forth on messages. I felt they had scammed me, and when I asked for my deposit back, they claimed they sent it back and I never got it, or the XXXX. I filed claims with XXXX  and zell, and they did nothing and told me there is nothing they can do for me. 

My number is XXXX Email is XXXX I am registered on zelle through my XXXX  banking app.
Product: Mortgage

We purchased a home over a year ago, XX/XX/XXXX, using a conventional XXXX fixed rate loan, 20 % down payment. We paid our home insurance for the year at closing, {$790.00}. In XX/XX/XXXX, the mortgage firm sent a letter " You need wind insurance and we will take that insurance out and just bill you ''. However, when taking the mortgage out, they never said or required wind insurance. One year later, they now want to force us to over-insure our house when they should have been upfront on insurance requirement during the underwriting process. 

The problem for us is our home insurance will go from {$790.00} to {$3300.00}. That is way too much and again, not required at the time we obtained the mortgage. I have called the mortgage firm 2x yet no one returns my calls. How is this permissible? 

During the short one year of my mortgage, I think the mortgage was sold two times to different firms so I am not sure if that triggered something but regardless, we followed all the underwriting requirements at the mortgage 's inception. If they made a mistake, shouldn't they pay for the additional home insurance wind portion? The house is insured otherwise as required at the time of mortgage inception. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX/www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Balance : - SXX/XX/XXXXXXXX Balance : - XX/XX/XXXX Original Creditor : XX/XX/XXXXXXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXX/XX/XXXXXXXX XXXX : {$630.00} XX/XX/XXXX ( Original Creditor :XX/XX/XXXX) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$550.00} XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX ; XXXX ( Original Creditor :XX/XX/XXXX XX/XX/XXXX ) XXXX Balance : {$660.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

AWA Collections has been reporting a collections debt in {$55.00} to credit agencies every 2 weeks for last last couple of months. They did not do this legally and it negatively affecting my credit. 

I have not been contacted by AWA Collections. They have not contacted me by phone, they have not contacted me by mail, or by electronic notifications. These are fraudulent tactics by AWA I have no knowledge of what this {$55.00} dollar debt is that they are trying to collect or why they are representing. I have no known delinquent or late accounts. 

AWA Collections has failed to legally notify me or verify this debt before reporting to credit agencies.