23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I used XXXX XXXX XXXX in XXXX, WI XXXX Therapy in XXXX XXXX, WI and paid my copays regularly. XXXX billed me incorrectly omitting copays which I sent proof of payments made on my credit card on XX/XX/2019. I requested XXXX 's XXXX Department to adjust the billing for any missing copays and I would pay the bill. I have not received any response from XXXX on that or any other correspondence I have sent them. I was able to account for {$50.00} of copays which I had not paid and paid them to XXXX on XX/XX/2019 but I sent the payments to XXXX XXXX XXXX XXXX in Maine. After I discovered this I called XXXX and told them of my error and asked them to adjust the account there and send the credit to the Billing Department for XXXX XXXX XXXX XXXX under which both XXXX XXXX and XXXX XXXX XXXX. XXXX refused and told me they were holding my {$50.00} as a credit against any future billings. XXXX turned a bill of {$25.00} over to Alliance Collection Agency in  XXXX, WI. Alliance has sent me letters 5 times despite my telling them their client had received payment and sending them letters back indicating I did not owe XXXX and citing XXXX lack of response to my letters and legitimate request to straighten out the payment incorrectly sent.
Product: Money transfer, virtual currency, or money service

I was a customer of XXXX and XXXX XXXX they both canceled my accounts and told me I had committed fraud without an explanation as to how. They told me there was nothing they could do and my accounts were closed
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and discovered these inquiries that wasnt made by me. Called and requested to have them removed and was given some push back to get them deleted. I made a police report that I will upload.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Product: Mortgage

I have an equity home line of credit through XXXX XXXX. They use LoanCare, A XXXX Company XXXX XXXX XXXX, XXXX XXXXXXXX, VA XXXX XXXX   Company for payment processing for their mortgages and equity lines. Also, www.myloancare.com is their website. 

I am unable to access my account information online anymore to make a payment, so I was instructed to call to make my monthly payments. 

Over the past six months, each month it became harder and harder to make a payment over the phone. The wait time increased each month. from 20 minutes, to 45 minutes, to 77 minutes, then in XX/XX/2019 I would wait on hold, then after 30 minutes I would get redirected to the main line and my " place in line '' was lost and the process would start over. I ended up calling XXXX directly and with the help of a customer service agent who after going through the same redirect issue I was for 40 minutes, personally transferred me to an agent to take my payment. 

Now, you can not get through on any line, all calls from XXXX and LoanCare connect to the same answering system, you are put on hold and after 30 minutes are disconnected. I have tried for 6 days to get through, all times of the day, hours each day. I have called XXXX main number again and I'm routed to the same answering system which disconnects after 30 minutes on hold. I even called XXXXXXXX XXXX and chose customer service for new loans on the answering system, was routed to an actual person, who couldn't help and handed me over to their supervisor, who was curt and  rude and would only take my name and number and said they'd have someone from that department call me in a timely fashion. ( She didn't even ask what the issue was. She just needed me off the phone. ) So I XXXX their local phone number in Virginia and all numbers are routed to the same phone system that disconnects after being on hold for 30 minutes. 

I need to make my monthly equity line payment, which is now in the grace period due to the issue, so I'm not in default! I have no way to making this payment! 

I'm now even more concerned if they are even still in business. If I do finally get a representative to make my payment through, is it going to be credited to my account? 

I have exhausted all avenues to make this payment and need help! 

Here are the phone numbers that get routed to the answering system described above : 1. The number I'm supposed to call : LoanCare Customer Service : XXXX ( answering system ) 2. XXXXXXXX XXXX Main : XXXX ( answering system ) 3.  XXXX Main XXXX ( option # XXXX = Customer Service Supervisor that can't help. Other options you can choose direct you to the answering system ) 4. LoanCare local Virginia Number XXXX, you get XXXX XXXX XXXX voice mail which directs you to dial 0 for customer service, which is answering system described above, or call XXXX XXXX XXXX XXXX, when you call that number you get XXXXXXXX XXXX  voice mail directs you to dial 0 for customer service, which is answering system described above, or call XXXXXXXX XXXX XXXX XXXX, which is disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 states that I have the right to privacy. 
15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written permission and instructions. 

I am writing to dispute the following information in my credit file. On XXXX XX/XX/2023, I retrieved a copy of my credit report and discovered multiple inaccurate inquiries that I had no knowledge of. I did not apply for credit with these creditors and I have also tried to reach out to the creditors multiple times asking if they can remove the respective inquiries from my credit profile. 

If you also find that the inquiries are invalid, I am requesting that it be removed from my credit report as soon as possible. If the creditors can prove that the inquiry is indeed valid, please provide written proof and description of the investigation was conducted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine XXXX   and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX  XXXX GA XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was previously removed. According to FCRA I am suppose to receive a 5 day notice before the account is reinserted. Please remove the XXXX XXXX XXXX XXXX from my report. You are in violation of the FCRA.
Product: Student loan

Me like XXXX students that graduated from XXXX XXXX University located at XXXX XXXX FL is suffering the enourmous consequences of the student private loan nightmare. I graduated in 2008 XXXX and I was never able to get a Job on the field. The school promissed to help students get a Job with promising leads, leads that I never got, I have called many times to the so called XXXX XXXX department to get leads and the only leads I received y any, were internships. My question is how are you supposed to pay {$120000.00} on an internship. The worst thing is that Private Student Loans will not give you a break or come to an agreement, all they need is you to pay a monthly payment that is so high and unrealistic how can someone on XXXX dollar an hour job pay {$1000.00} a month on private loans. Please help I am desperate and tired of receiving collection calls on behalf of Salie Mae
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. 

XXXXXXXX XXXX XXXX XXXXXXXX : 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 Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reachable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX XXXX XXXX has continues to report to all three credit bureaus inaccurate information. Such as Balance, the account is listed as a charge off but XXXX XXXX XXXX reports the account late every month as a charge of for the last 14 months. Ive disputed this account several times to the credit bureaus an XXXX XXXX with factual information copies an all. Im asking that this be removed from my credit. Again, its been 14 months. Thanks for taking time to read my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting credit usage for account XXXX XXXX that it's active. This account is closed and should not be reported as open.
Product: Credit reporting or other personal consumer reports

After reviewing my XXXX credit report, I have noticed that there are several inquiries on my credit report that are not recognized on my behalf. 
XXXX. 
From XXXX CO XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX number ( XXXX ) XXXX Record details On record until XXXX XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX. 
XXXX. 
XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX. 
XXXX XXXX Address XXXX XXXX XXXX XXXX, MD XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX. 
XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Record details Inquired on XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX details Inquired on XX/XX/XXXX XXXX. 
XXXX Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Record details Inquired on XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Record details Inquired on XX/XX/XXXX XXXX. 
XXXX Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Record details Inquired on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX. 
XXXX XXXX Address XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Record details Inquired on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX. 
XXXX Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Record details Inquired on XX/XX/XXXX XXXX. 
XXXX XXXX Address XXXX XXXX XXXX XXXX, DE XXXX Record details Inquired on XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Record details Inquired on XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX Record details Inquired on XX/XX/XXXX XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Record details Inquired on XX/XX/XXXX XXXX. 

XXXX Address XXXX XXXX XXXX XXXX XXXX, MA XXXX Record details Comment On behalf of XXXX XXXX MA for Legitimate Business Need Inquired on XX/XX/XXXX XXXX. 
XXXX XXXX Address XXXX XXXX XXXX FL XXXX XXXX, WA XXXX Record details Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my Credit Union to get an auto loan. They advised they have partnerships with local car dealerships and we can go directly there and apply. When we got there we told the Salesman we wanted a loan through our Credit Union and that's why we came to them. We found the car we wanted to purchase, completed the application, and got the loan through XXXX XXXX XXXX XXXX. When I got denied for credit and pulled my credit report I found inquiries for almost a dozen other companies that were never authorized. I also have inquiries from other days that I do not recognize. I have disputed these numerous times with no results. 

Unauthorized Inquiries : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ( duplicate, listed twice ), XXXX ( duplicate, listed twice ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year>, and noticed some things are incomplete and inaccurate. And according to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ Name of Account & Account Number ], [ Name of Account & Account Number ], [ Name of Account & Account Number ], [ Name of Account & Account Number ], are not complete and accurate. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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

In accordance with the Fair Credit reporting Act. The list of accounts below has violated my federally protected rights to privacy, confidentiality, and my rights of being a victim of identity theft under 15 USC 1681. 

Account : XXXX XXXX # XXXX, Account : XXXX XXXX XXXXXXXX # XXXX, Account : XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, Account ; XXXX XXXX XXXX XXXX XXXXXXXX, Account : XXXX XXXX # XXXX, Account : XXXX  # XXXX, Account : Jpmcb # XXXX, Account : XXXX XXXX # XXXX, Account : XXXX XXXX # XXXX, XXXX  # XXXX. 

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. 1681c. ( a ) ( 5 ) Section 2 : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 Section 623 ( a ) ( 6 ) If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information, 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. 

XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I and my wife contacted USAA about a check that they told us prior in the mobile app that a hold would be placed on our {$6600.00} check and only {$500.00} would be available for XXXX  days. But they was no way to allow this to clear unless she deposited her check. That was the only way to determine if they could do anything. 
As soon as she deposited it they looked into it and the representative said she could not reverse the decision. I have been fighting tooth and nail to get the funds released early as {$6600.00} for a family of XXXX is quite a bit of money and so far this month our only income. I have not been able to purchase groceries or anything for my family or myself since last Friday. Our bills didnt stop coming and groceries ran out. I took this all the way to the CEOs office and I got stonewalled the entire time. What caught my attention today was that XXXX apparently negative in my account by {$3.00} when I asked the representative today if I wanted to stay in good standing with USAA ( I have XXXX intentions ) but for the sake of argument would that - {$3.00} have a negative impact on my account and she stated yes. So my big question and not only for myself how is it ethical or legal on any grounds to determine an account negative when the consumer has the funds, the funds arent just available due to the punishment or whatever reason there is such a long reason on the funds. Did this happen prior to me? They couldnt answer but I dont see how this is moral or ethical in anyway especially to a veteran that a bank prides itself on helping and being there for when in fact it feels more like its exploiting a certain market. The money will be available on XX/XX/XXXX I find this unacceptable and inhumane. 

XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased XXXX XXXX XXXX XX/XX/XXXX financed by citizens one bank. Between the insurance and gap company i am in process of paying off the loan. Ethos group whois my gap insurance provider issued citizen one a total of 3 checks on XX/XX/XXXX. one for the amount of {$930.00} one for the amount of {$3100.00} and one for the amount of {$530.00}. For some reason the {$530.00} was not credited to my account. I waited about 2 weeks to see it this amount would be posted. i contacted both ethos group and Citizen one to resolve this issue. ethos provided me with proof of payment. I began the process as advised to cancel check to send new check to citizen one. I am unable to cancel check because ethos group provided me a copy of the check that shows proof that it was cashed by citizen one. by looking at the copy it appears that the 4th number written on the check by the servicing center of citizens one may mistaken for another number leading to this check being credited to the wrong account
Product: Debt collection

This company contacts me several times a day and claims that they are allowed to call every day if they do not reach someone and also that they are allowed to call every three days after they speak to someone. I have asked them many times why they do not have to adhere to the Debt Collection rule and all they say is that their policy says they are allowed to do it and if I disagree I can have my lawyer contact them.
Product: Credit reporting

There is an address listed that I do not live at, have never lived at, and does not belong to me. Look below to see address in question. 

XXXX XXXX XXXX, TX XXXX
Product: Mortgage

My husband of 43 years passed on XX/XX/XXXX we where with Ocwen they agreed to a modification of my loan. I started to pay them XXXX per month starting XX/XX/XXXX. Ocwen transferred my loan to PHH Mortgage I have been with them since XXXX XXXX. I have never missed a payment with them of XXXX at 5 % for 30 years. I was 3.75 % and my balance was XXXX moved in my home XXXX. They agreed to my modification and my balance on my home is XXXX. They stated to the credit bureau I miss XXXX, XXXX, XXXX and XXXX, it took my credit to XXXX. I am still working in the XXXX XXXX with XXXX XXXX XXXX that I could loose due to this credit report error. I sent bank statement showing never late or missed payments and that my modification with them was approved due to me never missing a payment with them. My credit is very important to me now that it's only me. I would like them to correct this urgent mistake so that I can live this is causing me overwhelming hardship. Also are their attorneys that can help people like me to assure that this modification is not again hurting me and it ; s fair justified. I can send you copies of letter to PHH to correct this major error. 
If not my life is over due to this mistake.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED Kindly expunge these fraudulent accounts from my credit report, as they are not mine and were unknown to me. Per USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removal of the inaccurate information about my accounts has not been given any attention by Equifax Credit Bureau. Sending them a Complaint last time and I have not received any response up to this date. Therefore, Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the list of the following account that needs to remove Completely from my Credit Report. 
XXXX XXXX XXXX {$0.00} TXXXX XXXX {$600.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$4900.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX {$300.00} XXXX XXXXY ( Original Creditor : XXXX XXXX UNIVERSITY ) XXXX {$7400.00} XXXX XXXX {$1100.00} XXXX XXXXXXXX {$3500.00} Date Opened : XX/XX/XXXX XXXX XXXX {$700.00} Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX {$710.00} Date Opened : XX/XX/XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$1200.00} Date Opened : XX/XX/XXXX.