23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I became ill at home on XX/XX/XXXX with XXXX XXXX XXXX, XXXX and XXXX. I went to the closest medical facility to my home which was XXXX XXXX XXXX XXXX, however, the clinic closed early due to the holidays. In my need to desperately be seen by a physician I went to the emergency room for treatment. In that moment I was triaged and put into a waiting room. 
After approximately XXXX hours of waiting and not being seen by a physician I checked with the clerical staff regarding how long it would be before I am seen by a physician. The clerical staff was astonished that I had not been seen they said that they had no idea I hadn't been seen. Later a female entered into the exam-room and never introduced herself to me. I asked who she was then she stated XXXX XXXX. She requested to see my inhaler I had in my hand and inquired, " who prescribed this inhaler for you? '' After that XXXX XXXX abruptly left the exam-room. XXXX XXXX returned shortly with her malicious diagnosis alleging, " your doctor did not prescribe this inhaler for you and I refuse to treat you. '' During her psychotic, racial rant and abuse of me I suffered a XXXX XXXX in the exam-room. I had to take my medication of XXXX XXXX immediately to endure the racial abuse from this gatekeeper 's vile systematic actions being taken against me. After filing a complaint with XXXX regarding the maltreatment that I received from the doctor at XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX left a line of destruction against me with XXXX XXXX XXXX. In their narrative that dated XX/XX/XXXXthey alleged " you were seen at XXXX XXXX XXXX XXXX 's after hours clinic on XX/XX/XXXX, '' is a fraudulent statement and misleading statement. I was not seen in the after hours clinic they were closed. Therefore, I had to go to the emergency room seeking treatment but was refused medical treatment in the " emergency room by their physician at XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX continue with their intent by making a representation which they knows to be false ... '' you left against medical advice at XXXX p.m.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent remove in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any remove 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. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX BALANCED {$2800.00} XXXX XXXXXXXX XXXX {$4800.00} XXXX XXXXXXXX BALANCED {$790.00} XXXX XXXX XXXX  BALANCED {$670.00} XXXX XXXX BALANCED {$0.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 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 XXXXXX/XX/2023
Product: Mortgage

Got in contact with the lender,, Have some-one interested in buying the property.

We are trying get the property listed, Lender is saying it is too late to stop the foreclosure.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries unexpectedly showed up on my credit report this morning, leaving me confused and deeply concerned. I regularly check my credit report, but today, there were discrepancies I couldnt account for. Thinking it might be a browser issue, I refreshed the page, but the inquiries persisted. This issue is causing me a great deal of stress, and I insist on a thorough review of the documents Ive sent to ensure this problem is resolved immediately.
Product: Debt collection

Receivable-Solutions INC was made aware on XX/XX/2019 that I disputed the validity of the medical debt they were attempting to collect. However, they refused to send the debt validation required by the Fair Debt Collection Practices Act. 
Further the party responsible for any debt was being negotiated between the doctor patient and insurance. Statute requires 180 days from the date of first delinquency before posting debts to credit burrows to allow for processing of insurance. This was not observed. 
Further the date of first delinquency reported to the credit agencies is inaccurate, and Receivable-Solutions was made aware of this. 
I ask the information be removed from my credit files. 
I have offered to pay Receivable-Solutions to remove the inaccurate information and have contacted them several times asking for validation of the debt and explained the inaccuracies. However they have been unwilling to provide me information or remove the misleading and inaccurate information from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

After careful review of my consumer report I noticed inquires that were unfamiliar to me. Please see the following list of inquires : 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 filed a petition for Chapter XXXX bankruptcy on XX/XX/XXXX. This petition included a XXXX Bank XXXX XXXX XXXX credit card account that had a past due balance of {$2400.00} dollars. I have included the petition that shows this. On XX/XX/XXXX, my unsecured debt ( including the XXXX Bank XXXX XXXX XXXXXXXX XXXX credit card debt ) was discharged through the bankruptcy discharge. I have included a copy of the order of discharge. On XX/XX/XXXX, XXXX Bank XXXX XXXX XXXX was notified electronically of the discharge and on XX/XX/XXXX a notice of the bankruptcy discharge was sent via first class mail was to XXXX Bank XXXX XXXX XXXX. I have included the Certificate of Notice. 

On XX/XX/XXXX, I opened a dispute using Experian 's online Dispute Center as the information being reported by XXXX Bank XXXX XXXX XXXX showed a past due balance of {$2400.00} and was still reporting negative reporting. On XX/XX/XXXX, Experian updated my dispute saying that XXXX Bank XXXX XXXX XXXX certified that the reporting was accurate. 

On XX/XX/XXXX, I saw that the negative reporting was still on my account -- though every other account including in my bankruptcy have been updated to a PAID status and included comments that the debt was included in a bankruptcy discharge. I therefore initiated another dispute. ( NOTE : Some of the other credit cards also show a remaining balance though they have a PAID status ; I have initiated a dispute with them as well and am still awaiting the results ). 

XXXX Bank XXXX XXXX XXXX re-certified the information as accurate. I am writing because the information is not accurate and is negatively affecting my credit score. I have supplied all the documentation that shows that this debt was discharged lawfully in bankruptcy and that this account should reflect so -- with a {$0.00} balance and NO PAST DUE STATUSES since the discharge. Additionally, this account seems to be reported accurately on my XXXX credit report.
Product: Vehicle loan or lease

I was placed into the US Bank assistance program due to COVID-19. After the last month of the program, i paid the Loan out fully. US Bank is now showing there's a 30day late payment charge. Will you please contact the Bank and have it removed. ( last 4 of Account number is XXXX ). 
Thanks
Product: Debt collection

National Credit Adjusters has called me in attempt to collect a debt for XXXX XXXX. XXXX has not contacted me at all regarding debt. I just started receiving phone calls from National Credit Adjusters on XX/XX/18 stating that I owe ~ {$2900.00}. I have received several phone calls since then. National Credit Adjusters are illegally trying to collect funds from me because they are not licensed in Missouri to collect.
Product: Credit reporting

There is a hard inquiry on my credit report that I have not asked for-XXXX made on XX/XX/2015. It does not belong to me. Please investigate asap. Thanks in advance
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove 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
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the following account : Account Details : Account Name : XXXX  XXXX Account Number : XXXX High Balance : TransUnion XXXX {$660.00}, XXXX : {$660.00}, XXXX XXXX {$500.00} Date of Last Verified : TransUnion : XX/XX/XXXX Date of Last Activity : TransUnion : XX/XX/XXXX, XXXX : XX/XX/XXXX Date Reported : TransUnion XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX Date Opened : TransUnion XXXX XX/XX/XXXX, XXXX  : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Current Two-Year Payment History : Late payments noted for XXXX ( 30  days late ) and XXXX ( 60  days late ) for XXXX Despite multiple requests for correction through disputes filed on XX/XX/XXXX and XX/XX/XXXX, the inaccurate information has not been corrected. This failure violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information in consumer files. The presence of late payment notations that are demonstrably inaccurate violates this mandate. Additionally, creditors are obligated to send accurate information to the credit bureaus as outlined in 15 U.S. Code 1681s-2.

TILA Violations As per 15 U.S. Code 1666b, periodic statements must be provided at least 21 days before the payment due date. The inaccurate late payment reporting suggests that the creditor may have failed to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the need for creditors to send timely and accurate statements to prevent unfair penalties to consumers, which has not been adhered to in this case.

The continuous failure to address these inaccuracies has caused significant harm to my creditworthiness, affecting my ability to secure credit and financial opportunities.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the correction within 15 business days.

If this issue is not resolved promptly, I will escalate my complaint to include legal action and additional complaints with other relevant regulatory agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is not the first time I have found inaccurate information on my credit report. The three credit bureaus are required to verify these accounts. It is unacceptable to report these accounts as unconfirmed without validating them within the legally mandated time frame. The following incorrect information on my credit report needs to be investigated, amended, or completely deleted : XXXX XXXX **** Balance Owed : {$15000.00} XXXX  XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient refused to permanently remove late payments shown for three XXXX XXXX  loans that I took out in XX/XX/XXXX for each of my XXXX  sons. The first basis for my request for removal of one loan showing in collections and all showing several months late -- severely damaging my credit -- was that I have several private student loans being serviced by Navient. I am currently a XXXX XXXX. When Navient advised that my " private loans '' were in repayment, and I began a payment plan, I reasonably understood that ALL student loans that were supposedly due were included in the repayment plan. Secondly, Navient insists that the loans were not for my children despite that my children 's names are on the loan documents as the benefactors of the loans. Third, I argued that the negative entries had to be removed, as a matter of federal law, because I was never notified that the XXXX XXXX loans were in arrears. Finally, I filed Bankruptcy in XX/XX/XXXX in the XXXX District of Oklahoma. Many Circuits, including the XXXX Circuit wherein the XXXX  District of Oklahoma sits, recognize that XXXX XXXX  loans are commercial loans and not student loans that are exempted from Chapter XXXX bankruptcy. My last conversation with Navient evinced their attempt to conceal that they were collecting on the XXXX XXXX loan because the agent referred to the loans by either loan number or another acronym -- never calling the loans XXXX XXXX loans. My dispute with the credit bureau resulted in Navient removing from my credit report the XXXX XXXX loan that is supposedly 18 months or more in arrears and in collections. Within a month of that retraction, Navient and the credit bureaus added the loan that was in collection back on my report -- -reflecting me being {$7000.00} past due. 

My primary issue is with Navient. However, that the credit bureaus allow me ( and others ) to initiate a dispute only to resolve said dispute by taking the furnishers ' " verification '' at face value without providing me a copy of the certification furnished denies my right to due process and to further challenge the issue. I would like for the CFPB to ( 1 ) intervene in the investigation into this particularly nuanced case regarding XXXX XXXX Loans i.e. loans taken for a third party and ( 2 ) initiate an action aimed at requiring credit bureaus to make their dispute process transparent and provide the person making the dispute with a copy of the documents upon which the Bureau relied to confirm or modify the information furnished BEFORE such action is taken
Product: Credit reporting, credit repair services, or other personal consumer reports

trans union wants me to fill out my life 's information OK i am XXXX years old i have had credit for years weather bad or good from XXXX i had bankruptcy in XXXX then i went in to the debit relief program for 2 years so they want me to prove who i am lol for 10 years of my bankruptcy the know who i am and why should i pay the for a credit score i need a lawyer this is crazy XXXX  i have no problem also XXXX had that breach and sent me a check for damages a few months
Product: Debt collection

On XX/XX/2022 I received an email from Southwest Recovery Services attempting to collect a debt amounting to {$950.00} allegedly owed to XXXX XXXX XXXX. I am a victim of a recent identiy theft, and this is for certain is not my account, and I do not have any knowledge of such balance owed to such creditor.
Product: Student loan

Scam and charge for consolidating student loan. Great Lakes Servicer Referred me to a scam called XXXX XXXX XXXX. Illegally charged me XXXX to consolidate my loan. It was the fault of Great Lakes who did the referral.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes in the past to have account reported under XXXX XXXX XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXX to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXX XXXX XXXX but XXXX and Experian have not. The latest letter I sent to XXXX and Experian to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither XXXX nor Experian, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Product: Debt collection

The stated number -- XXXX -- -has called numerous times daily. Always listed as unknown. Had to XXXX number to see who. XXXX lists as XXXX XXXX. Does not leave message, hangs up when answered and calls from XXXX XXXX  till XXXX XXXX. Calls under different numbers but always same results. Calls on weekends when their office is closed. Have told them to stop with no results.
Product: Credit reporting or other personal consumer reports

**Subject : Experian Credit Report Dispute - XXXX XXXX Experian is refusing to update my XXXX XXXX account information, despite multiple disputes and verified documentation from XXXX XXXX showing my account is current. My payments for XXXX and XX/XX/year> were extended, pushing them to XX/XX/year>, also my XX/XX/year> payment was made on time, yet Experian continues to report these as late. 

This inaccurate reporting is damaging my credit score. I have provided Experian with all necessary documentation from XXXX XXXX, but they have not corrected the error. I am requesting assistance to ensure Experian updates my report to reflect the accurate payment history and removes the incorrect late payments. 

Thank you for your help in resolving this matter.
Product: Checking or savings account

On XXXX XXXX i was put in the hospital for broken pelvis. My son XXXX XXXX XXXX came to see me serveal times. Without me Knowledge he must hace gotten ahold of my debit card no mind u everytime i went to use it in the vending machine at the hospital the debit card was in my Wallet. I was discharged from the hospital XXXX XXXX. A week or so after mydaughter hay set up online banking for me at this time i noticed alot of money missing out of my a acount. Then i started noticed alot of transcations that i did not Make nor did i give anyone pemission to use my card. I had my card. There was 136 transcations made while i was in the hospital. I filed a dispute With Wells fargo for the 136 transcations. I made it clear to them i was in the hospital at the time of the transactions and i did not give anyone permission to use my card. And the only person Who had access to my card Would of been my son. I never gave him permission to use my card. I also made a Police report for thief against my son. Wells fargo denied my claim i dont Know why Letter was sent to my address in NC which i have no acceso to and they wont tell me on the Phone why nor Will they tell me at the branch location. This was fraud plan and simple i was laid up in the hospital the money was stolen and i want it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a card with XXXX XXXX  and I paid it off in XXXX of 2020. I didn't even have a balance on the card in XXXX or XXXX and they reported the account as late. They put some charge on the card for {$49.00} in XXXX and then reported me as late again in XXXX. I think it was some fee they charged on top of the outrageous interest rate. I tried to resolve this with them but then would not respond after saying they didn't agree but could not give me the documents I requested.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and Experian. credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX Account number ( XXXX ) Open date : XX/XX/XXXX XXXX XXXX Account number ( XXXX ) Open date : XX/XX/XXXX XXXX XXXX XXXX Account number ( XXXX ) Open date : XX/XX/XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

This saga started in XX/XX/XXXX, when I called LoanCare to determine the amount of refund we should expect from our Borrower-paid Single-premium PMI policy if we refinanced our loan and paid off the balance serviced by LoanCare. It took several calls to get any kind of answer, and then they told me I had to call the actual insurance company to get that amount. I called that company, and they laughed at me. " You are not our customer. We will only talk to LoanCare. '' Subsequent to the XX/XX/XXXX payoff of our loan via that refinancing, LoanCare is refusing to respond to repeated inquiries about the status of the refund of the unearned premiums due us from our single-premium borrower-paid PMI policy. This is in direct violation of the Homeowners Protection Act of 1998. Here is the specific language from the HPA : " After informing the mortgage insurer of cancellation or termination, you must send notice to the borrower that you canceled or terminated PMI. You must send this notice not later than 30 days after you have canceled or terminated PMI. The mortgage insurer then has 30 days to return any unearned premiums to you. You, in turn, have 45 days to return the unearned premiums to the borrower. '' No notice has been sent by LoanCare, and they are refusing to acknowledge that they have any obligations to do so. 

Multiple emails ( attached below ) were ignored, and when I finally reached " XXXX '' by phone ( on XX/XX/XXXX ), she clearly didn't understand what a single-premium PMI policy is ( despite being in LoanCare 's " insurance '' group ). After first telling me that we received a " PMI refund '' as part of our escrow refund ( which we did not ), she put me on hold again -- returning to tell me that there is no refund due for our policy. I asked for documentation for why that is the case, and she promised that I would be receiving that by COB. 

Crickets. Based on the fact that multiple previous interactions have resulted in zero response, I am confident that LoanCare believes they can continue to avoid their responsibilities in this matter.
Product: Credit reporting

I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible.