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

I am reaching out to dispute several inaccuracies on my credit report that could significantly harm my credit profile. First, I request that my name be updated to " XXXX XXXX XXXX XXXX '' and all other name variations be removed. Also, please update my employer to XXXX XXXX XXXX XXXX where I am currently employed. 
These inaccuracies have caused me significant stress and frustration, as they damage my financial reputation and raise concerns about potential identity theft. Mistakes like these could negatively impact my creditworthiness and are a violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting of consumer information. I request that these errors be corrected immediately to ensure my personal data is accurate and up to date. Additionally, I urge you to investigate how these errors occurred to rule out any potential fraud.
Product: Credit reporting or other personal consumer reports

For the last 6 months I have been disputing the hard inquiries that were not authorized, submitted a fraud form which they asked me to do. Called multiple times and no one was able to help me. They kept requesting me to do some very stressful process to file a police report, file a fraud claim, etc., this is insane when these agencies do not cooperate and do not do their job for the consumer. They our private " secure '' information gets hacked through their systems. XXXX has not updated my correct credit score information properly and therefore causing adverse action against me when this could be taken care of at the time of the first original call 8 months ago. This should not have come to this,
Product: Mortgage

We are trying to get a payoff demand on behalf of a dead seller 's wife. The court has ordered the wife to be the owner of this property. I have provided a copy of the authorization signed by the wife, a copy of the Death Cert and a copy of the Court Docs to Bank of America. ( All attached ) BAC is absolutely refusing to provide a payoff demand. 


*****This property has equity. We have a buyer who has been waiting to close escrow. This is NOT a short sale and BANK OF AMERICA WILL BE GETTING A *FULL* PAYOFF. 

XXXX Bank of America is DEFRAUDING THIS ELDERLY WOMAN OUT OF THE EQUITY OF HER OWN HOME!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

I have been trying to access my online Equifax account for a few days now. Every time I try to access it says I need to call customer service and has an error code " NH ''. On XX/XX/year> I decided to call the number. I spoke with customer service and gave her info to access my account, and she said it was good now to access. After getting off the phone I tried it and still would not let me on. I called back and went through same process but this time they sent me to another department that asked for more detailed info so they could verify it was me and said I was good to go give it 30 minutes before trying to log in. STILL NOTHING!!! after 2 hours of answering questions, sending facial recognition and picture of my license and ss number card I decided to email Equifax asking to resolve this is by speaking to a supervisor but never received a response. I have searched this issue online and seen where other people are having the same response trying to log in with no success to resolving it.
Product: Debt collection

i have absolutely no knowledge of the allege debts listed on my file / personal records, I am an EYEWITNESS, the information is incorrect and fictitious and i demand the FICTITIOUS ACCOUNTS open & listed on this REPORT under my personal information be remove, my NAME, SOCIAL SECURITY PHONE NUMBER ACCOUNTS and address was COMPROMISED, i did not AUTHORIZE or give CONSENT nor did I GAIN or BENEFITED from listed accounts. I demand all ACCOUNT ( S ) open with this collection company REMOVE IMMEDIATELY this is not a DISPUTE but a NOTICE!! i have attach a 7 DAY NOTICE with this REPORT, any Company that choose not to obey the LAW i will seek COMPENSATION, PUNITIVE DAMAGES and MEDICAL... my police report number is XXXX
Product: Checking or savings account

XX/XX/XXXX XXXX deposited a check any amount of XXXX which stated it was clear XXXX on XX/XX/year> and on XX/XX/XXXX XXXX would be released my first question is where is the other {$220.00} go?? Then when I checked my account they said they were going to hold the check until the XXXX today is XXXX the XXXX I then check the account and find out that they're going to hold the check until the XXXX. What is really confusing me is that the money was taken out of the person 's account on XXXX the XXXX 2024. Why is the bank holding funds that you already got the money for not only are you holding it but you extended the hold after they already received the funds.
Product: Checking or savings account

I received a XXXX XXXXXXXX XXXX Economic Injury Loan for XXXX that was deposited at my personal Chase account, the Bank accepted the money. I used XXXX, and after a month when I tried to get the rest of the money the bank closed my account. I have never received my money. The Bank stayed with the funds, including my paycheck from my current job at the moment. I am still being accounted for the Loan and I have to pay the full XXXX back to XXXX.
Product: Debt collection

I XXXX. I received a call from Trans World Systems XXXX at approximately XXXX on XX/XX/XXXX. They asked for a specific person, who I did not know and never heard of and I told them this was a business and I knew of no such person. She proceeded to tell me I was being recorded and did I know this person and this was not a business it was a personal phone number. This person needs to be fired as this company obviously does not know the rules. I always answer XXXX XXXX XXXX. The club has no debt and no employees. This is a very aggressive individual who does not listen. I do not need this company calling a business while I have customers. I want her fired for failure to listen. 

If someone tells her they called a business, she should listen and she should not try to press forward with obnoxious questions about someone I do n't know.
Product: Checking or savings account

I was incorrectly charged XXXX by my insurance company and I disputed the charge and got a claim # XXXX and was credited then by my bank but then they denied my claim informing me by letter that my insurance company had already fixed the issue by crediting me XXXX when this had nothing to do with the XXXX charge. The XXXX charge was completely unauthorized and had never gave the company premission to take that payment out and they took it without my authorization so I cancelled all my policies with them since I had already paid them and had time left on policy so was refunded the XXXX related to that time left but the other charge of XXXX wasn't related to that I was informed it had to do with amounts they said I owed that I had already paid with another card but they charged this account as well and refused to refund me them when they were already paid and weren't given authorization to take the XXXX out. I only speak XXXX.
Product: Consumer Loan

I access over XXXX dollars in fees from Bmw Financial in late fees.
Product: Debt collection

Equifax is reporting an account with XXXX XXXX which is not correct. I was in the military at the time and contacted XXXX and sent them my orders showing I was being XXXX  and to place my services on hold. At the time they agreed to do so just as the other utility companies had done. I was XXXX   XX/XX/2014 and returned XX/XX/2014 when I returned I was told that the services were never placed on hold as they had agreed. They indicated that I owed money before I would be able to have my services reactivated that it there services were terminated due to no payment. Again I had spoken to them and sent them my orders showing I was being XXXX   and they agreed to place on hold for which they did not.
Product: Debt collection

I am in the beginning of a medical malpractice case with mediation in process. Part of the case was charged for medical bills for the initial XXXX that severed my XXXX and the 8 months of ongoing procedures, hospital stays, XXXX, doctors visits, etc. The hospital sent all medical bills to collections which I paid to avoid further injury from the malpractice on XX/XX/2018. I received another debt collection letter on XX/XX/2018 for the amount of {$3300.00}. All of which had been paid for previously for every date listed and every amount listed. I have the credit cards receipts as well as the payment confirmation from the website in the form of screenshots. 
I am not allowed, by law, to contact the hospital with anything including my case and this is part of it. I feel threatened and intimidated now. That debt was paid even though it shouldve been held once the proceedings of mediation were initiated. I will not have my tax refund or home etc be threatened over a best firstly in the process of litigation and secondary one that has been paid in full. The hospital in question that is violating my rights by sending the debt is XXXX XXXX XXXX XXXX of XXXX XXXX, WI. The State Collection Agency violating my rights is State Collection Services Inc. XXXX , WI.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. based on FCRA section 605b Credit Reporting Agencies, the 3 credit bureaus required to remove any items listed on an id theft report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$39000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7300.00} ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX CO XX/XX/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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE CONTACTED EXPERIAN VARIOUS AMOUNT OF TIMES TO HAVE ITEMS REMOVED FOR INACCURACIES. THAT HAVE YET TO ADDRESS THE DIRECTLY AS THEY HAVE BEEN PUTTING THEM OFF. I HAVE SENT ALL OF THE ITEMS THEY REQUESTED BEFORE AND STILL WILLFULLY NEGLECT TO ADDRESS OR CORRECT THE WRONG INFORMATION THE CONTINUES TO STAY ON MY CREDIT REPORT. i AM ALSO A VICTIM OF IDENTITY THEFT AND ADDRESS THIS ISSUE WITH LAW ENFORCEMENT AND HAVE OBTAIN A POLICE REPORT WHICH I HAVE INCLUDED IN THE DOCUMENTS ALSO. I REQUEST THAT EXPERIAN PROVIDE ME PROOF THAT THEY ADDRESSED MY CONCERNS THOUGH UGLY AND REQUESTING A METHOD OF VERIFICATION OF ALL THE ITEMS ADDRESSED. I REQUEST ALL THE WRONG INFORMATION BE REMOVED AS I HAVE SUBMITTED TO THE CRA ALSO.I 'VE CONTACTED EXPERIAN VARIOUS AMOUNT OF TIMES TO HAVE ITEMS REMOVED FOR INACCURACIES. THAT HAVE YET TO ADDRESS THE DIRECTLY AS THEY HAVE BEEN PUTTING THEM OFF. I HAVE SENT ALL OF THE ITEMS THEY REQUESTED BEFORE AND STILL WILLFULLY NEGLECT TO ADDRESS OR CORRECT THE WRONG INFORMATION THE CONTINUES TO STAY ON MY CREDIT REPORT. i AM ALSO A VICTIM OF IDENTITY THEFT AND ADDRESS THIS ISSUE WITH LAW ENFORCEMENT AND HAVE OBTAIN A POLICE REPORT WHICH I HAVE INCLUDED IN THE DOCUMENTS ALSO. I REQUEST THAT EXPERIAN PROVIDE ME PROOF THAT THEY ADDRESSED MY CONCERNS THOUGH UGLY AND REQUESTING A METHOD OF VERIFICATION OF ALL THE ITEMS ADDRESSED. I REQUEST ALL THE WRONG INFORMATION BE REMOVED AS I HAVE SUBMITTED TO THE CRA ALSO.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Incorrect Current Address - XXXX XXXX XXXX XXXX, XXXX, NC XXXX Incorrect Name - XXXXXXXX XXXX XXXX Incorrect Name - XXXX XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX, XXXX, NC XXXX Employer - XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am writing to formally dispute the reporting of student loan accounts on my credit report. These accounts are inaccurate and unenforceable due to severe legal violations involving breaches of privacy and federal law, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act. 

It has come to my attention that my personal information associated with these loans was improperly accessed by unauthorized third parties, including XXXX XXXX and/or his affiliated entities. This unauthorized access constitutes a breach of my privacy rights and voids the validity of these debts. 


Legal Basis for Removal : 1. FERPA Violation : The improper handling and unauthorized disclosure of my educational and financial records violated FERPA regulations, which protect the privacy of student loan borrowers. 
2. Privacy Act of 1974 Violation : The exposure of my personal information contravenes the protections guaranteed under the Privacy Act, requiring federal contractors and loan servicers to safeguard borrower information. 
3. Breach of the Higher Education Act : The mishandling of my student loan information and unauthorized transfer without proper consent breached federal obligations to maintain the integrity of educational loan servicing. 

Given these violations, the continued reporting of these accounts is inaccurate and harmful to my credit profile.
Product: Debt collection

Received a call from XXXX ( collection agency ) XXXX XXXX regarding a balance from US Bank from XXXX. He said the bank had an oversight many years ago and failed to contact me. When asked for him to verify my address he had an address from XXXX and said they just had an oversight and did not send out collection activity and now us Bank wants to recoup the money and failure to pay would put me into check system. I am furious because I have a great credit score and very little debt and to be contacted years later without notice is unreal! He said he did understand how odd this is and said to wait for a letter in the mail. I asked " how are you sending a letter when you don't have my address? He said " oh we will just put your info in the data base and find it ''. I said well how come you haven't done that in 16 years? He said " it was an oversight ''. This is ridiculous! I will also be filing a XXXX complaint as well!!! Acct # XXXX XXXX XXXX
Product: Mortgage

Hi my name is XXXX and I made initial contact with Core Advisory Group back on XXXX XXXX, XXXX. I received a letter in the mail stating that they could help me reduce my payment and stop my foreclosure. I was told that their lender dispute program would stop my foreclosure and force my mortgage company to modify my loan. They promised me my situation that they could stop ay foreclosure procedures and my loan modify and payments lowered but that is by far the truth. I sent them all my information and they told me my loan modification package has been submitted and now I just need to wait for a final answer. I received a letter from my mortgage company in XXXX XXXX saying my loan modification had been denied. This company knew I would n't qualify and I have told them before hiring them that I was denied in the past for not having enough income and now they tell me I needed to show {$1000.00} more to qualify? Should n't they known this before taking my {$4500.00} that I paid them just to tell me the same answer that my lender told me which I do n't qualify for a loan modification! They told me they are redoing my information and resubmitting it but at this point, I ca n't take my chances with them as I lost faith in this company so I demanded my money back. After that they made me fill out this package in order to get my refund and this at the beginning of XXXX XXXX and it took them until XXXX XXXX just to offer me {$350.00} back?? This company is a joke, a scam and they need to be shutdown. I want my money back the full amount. They have illegally taken my money upfront which is a violation to the XXXX rule and they still did it and provided no results. How insulting is that they did n't know whether they can help me but lied they can but ca n't and take {$4500.00} and at the end offer to pay back only {$350.00}? I hope and pray the authorities lock these crooks up. To make matters worse, I had found out that the owner XXXX XXXX of Core Advisory Group is the same guy that owned Colleagues in Law that he got rid of which does the same thing offering loan modification service. What did this guy just XXXX everyone, take their money and change company name and nothing happens to him? He needs to be in jail. Please help me get my money back from this clown.
Product: Debt collection

I have no idea what this is I never made any payments from my personal account to Spring Oak Capital nor do I have an signed agreement with them! This needs to be immediately removed from my credit file because I can't get insurance because of their deceptive reporting on my credit file this is defermation.
Product: Credit reporting or other personal consumer reports

Transunion, Equifax and Experian reporting XXXX XXXX {$6600.00} fraud account need to be removed. 

Transunion, Equifax and Experian reporting XXXX ( XXXX XXXX XXXX XXXX ) fraud account need to be removed. 

Transunion reporting XXXX XXXX XXXX XXXX {$18000.00} fraud account need to be removed. 

Experian reporting XXXX XXXX  {$9700.00} and XXXX XXXX  XXXX fraud acounts need be removed.
Product: Credit reporting or other personal consumer reports

I disputed this XXXX  XXXX  with the credit bureau and they are reporting inaccurate information on my credit report. Attached to this complaint I have circled a couple of the errors that I noticed. I dont understand how the furnisher can report different information about the same account. The credit bureau and the furnisher failed to do a reasonable investigation. Please be aware that the account doesnt have the same information across the board which are factual inaccuracies. The account in question is reporting inaccurately. I have been denied credit cant get a good deal on a house because of this I have been stressed and had many XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I am disputing late payment entries that Leaders Financial had put on my credit report. It states that I was 30-days past as of XXXX/XXXX/2015. That is n't correct I try to always pay during the pay period allotted time
Product: Checking or savings account

2 years ago I scheduled an appointment with a famous tattoo artist. I was XXXX and wanted to get a memorial portrait for my father. The artists name is XXXX XXXX. I made 2 separate deposits in XXXX each of {$250.00} (  a total of XXXX ). over the course of time I have been rescheduled by him about 3 times, each appointment being months apart. Originally I was supposed to get the tattoo in XXXX. I have now been rescheduled for XX/XX/XXXX. It is ridiculous that it has been so long and I still have not received the services. I have tried to cancel however they claim to not refund any deposits. I have never actually even spoken to a person this is all via text. I tried reaching out to his social media and received no response. I am not sure if I was scammed but regardless I did not receive services when I was supposed to and to wait 2 years for a tattoo is ridiculous, especially because I have never met in person with anyone who works with him or the artist himself. I disputed it with my bank ( Wells Fargo ) in hopes they could help me but they refused due to the no refund policy of the tattoo artist however, again, any communication Ive had has been through text and I was notified on their policy after I was scheduled. I then spoke to a resolution specialist and was told that I will have to wait ANOTHER 5-10 business days for them to reach a conclusion but it seems as though they are trying to side with the merchant which is unfair. I want to make clear that I was aware of this AFTER I made my deposit. I did not have a problem with this but I was supposed to already have received the services. I refuse to wait another year, at this point it does not seem that I will ever receive services. I gave {$500.00} away and NEVER received the services I paid for. I was naive and underaged when I made this transaction and feel that I have been taken advantage of. I am unable to load the messages on my phone because they were so long ago. This is unfair and I hope he is not able to do this to someone else again, banks are suppose to protect their customers from fraud, scams, and unique situations such as mine. There is no reason they should side with the merchant. After this I will no longer bank with them.
Product: Mortgage

Fifth Third Bank recently acquired the servicing rights to my mortgage. While trying to setup automatic payments I ran in to problems. Fifth Third Bank does not allow the setup of automatic payments from outside banks. This scheme is to try to increase the amount of late fees paid to Fifth Third. I did not originate my loan with Fifth Third. I will never willingly open a Fifth Third account. Fifth Third Bank could easily allow automatic payments like almost every other respectable loan servicer does, but Fifth Third chooses to try to collect ill gotten late fees and/or harass the client to open additional Fifth Third accounts.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE 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. XXXX XXXX Balanced {$XXXX} XXXX XXXX XXXX Balanced {$XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 Ive notice this fraudulent account XXXX Amount owed XXXX $ this is a list below of fraudulent inquiries below 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX