23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I informed the company XX/XX/XXXX to stop automatic payment, due to not having the available funds in my account due to on going legal actions and being a XXXX XXXX XXXX and XXXX XXXXe veteran not XX/XX/XXXX This company continue to draft my account causing multiple over draft charges to my account. 

I have the email letter that I sent to them. The repersentative from this company called me several time after I said I would call them back after speaking with my advisor. The person still called me back which I found to be harassment. The individual also called before XXXX and would not listen too me, talking over me so I told him by due my XXXX flaring up. 

Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX oXXXX XXXX I was in a severe motor vehicle accident, and spent 5 days in the trauma unit of XXXX XXXX XXXX XXXXXXXX Hospital. I was insured by XXXX XXXX XXXX at the time, and they initially denied coverage for some of the XXXX medical bills. I appealed that denial, and was successful in my appeal. During the lengthy appeal process, several bills were sent to Transworld Systems Inc. ( TSI ) by XXXX for collections. I informed TSI that they were disputed medical bills, and that I was appealing their status with my insurance company. I had also communicated the dispute to the XXXX XXXX XXXX XXXX Hospital billing department long before they sent the bills to TSI for collections, and I made TSI aware of that fact. I continued to inform TSI that the appeal was ongoing, and yet TSI reported them as delinquencies to the credit bureaus in what I feel is a violation of 15 USC 1692e ( 8 ).

TSI is continuing to report inaccurate negative information on me to the XXXX XXXX and XXXX credit reporting bureaus. I have attempted several times to resolve this issue with TSI via phone and fax, but have been unsuccessful. I have also contacted XXXX XXXX XXXX billing, who has informed me that only TSI can address my issue. I have documentation of my communications with TSI and XXXX if that is useful to you. I have also filed disputes with each of the three credit bureaus, only one of which ( XXXX ) has removed the negative reporting. 
The items being reported are shown as account on my credit reports. The items are four medical bills place with TSI by the XXXX XXXX XXXX XXXX Hospital Medical Group between the service dates of XXXX XXXX 2016 and XXXX XXXX. 2016. 
It is also worth noting that I paid the bills out of pocket while the appeal process with my insurance company proceeded. I mentioned this to one of TSIs representatives on the phone, who then indicated that by paying the bill I was myself implying that the bill was legitimate, which I feel was a false representation subject to 15 USC 1692e ( 2 ) ( A ). My credit reports do show the items as paid, but that does not remove the negative reporting of collections. 
Presuming I can upload a file with this request, I am providing supporting documentation of the illegitimacy of the disputed items. This documentation includes a communication from XXXX XXXX XXXX indicating that my dispute had been resolved in my favor. An Explanation of Benefits ( EOB ) is included which details the charges for the period of the dispute, of which some are the subject of the false delinquencies being reported by TSI to the present. This EOB show that some bills were initially rejected, and then paid after the dispute resolution. 
Because the bills which were sent to TSI we the responsibility of XXXX, and XXXX has confirmed that, I feel that it is wrong for these items to adversely affect my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

CITI Card account ending XXXX has been billed in error. Please check the original account information for XXXX when this account was established, purchases made and what State and Why it was rolled over as this was reported as a " Rollover " account number. There was no use of any other account or issuance of any other credit card to this XXXX XXXX. 
There may have been identity theft as XXXX XXXX ( account ending XXXX ) only had this account since applying.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon obtaining my XXXX  credit report, I noticed that there were unauthorized inquiries from Capital One Bank. I have no banking relationship with this company and theyve pulled my credit on 6 separate occasions without my permission on the dates of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. To exude the frustration this company has caused me, Ive mailed in a certified letter on XXXX XXXX XXXX explaining ( in detail ) how they have violated my rights to privacy and more. They've also reviewed my account once more on XXXX XXXX XXXX for " account review inquiry '' since delivery of the letter. All constituents of the data will be attached including : the letter, the drop off and delivery dates, and the credit report. I have yet to receive a response and I hope this will bring forth one.
Product: Mortgage

I have been in the modification process since XX/XX/XXXX. My file has been under review for months, and I am constantly being asked to resend the same information over and over. There has been an issue with the XXXX Tax returns. On several occasions, I was asked to explain information that was clearly delineated on the tax returns. I have sent in the schedules.. the returns, but I am repeatedly ask to resend the same information. After going back and forth with this issue, I am now being asked to resend the XXXX because it had been expired. Again, why wasn't the XXXX used to order the tax transcript to help the underwriter understand my income? I have been asked numerous times about my ownership in the business, and if I have another business. All this information was given when I initially applied for a modification. There are so many different relationship managers calling and requesting the same information. It is extremely frustrating, and I do not believe Chase has used its due diligence on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all 3 of the major credit Bureaus via certified mail on XX/XX/2021. I have the receipts still. It is my right to report any inaccurate information on my credit report and in the letter stated I want all my personal information updated so that I can prevent identity theft and prevent any mail being sent to old addresses. They are refusing to delete addresses and update my correct name because they are stating I have 3 accounts open with those addresses when that is not true. 

XXXX  received my letter on XX/XX/2021 at XXXX Equifax received my letter on XX/XX/2021 at XXXX XXXX  received my letter on XX/XX/2021 at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX back in XXXX in regards to this account not reporting to all 3 credit reporting agency 's. I was told by them that they report every 30 days to transunion however its been well over the 30 days and this account is still not reporting. I spoke with transunion again today XX/XX/2020 and was told the account is not showing. I've had this joint account for over 2 years now with a {$4800.00} credit line with excellent payment history and a zero balance as of now. I am again requesting to please report this card to the credit beaurous.
Product: Money transfer, virtual currency, or money service

I tried to Transfer money from my chime credit builder account to my chime debit account when the money was transferred Im supposed to receive a email notifying me and which I did not, then we tried to transfer the funds to my wifes bank account we kept getting errors and was kicked out of the account, when we logged back into the account the money was gone and my account was negative again, and they provided the transfer ID but will not give any other information regarding the money they just keep saying there is no money, since XXXX we have been requesting a card for this account and we would never receive it, we would call and they would tell us a different date to review the card when we didnt get it my wife opened a account and we tried to wire it to the account as well as a instant transfer they have been giving us the run around since XXXX when we logged into the account there was no history or transactions in the feed and they will not tell me why
Product: Student loan

Sallie Mae is not willing to work with me and lower my payments. During the call last week I was told they could not help me.
Product: Credit card or prepaid card

I used XXXX XXXX online bill pay service to pay my Delta Sky Miles Gold Card American Express bill. I scheduled the payment that was due on XX/XX/XXXX to be delivered by XX/XX/XXXX. When I received my American Express bill the following month, I noticed a late fee of {$29.00} and an interest charge of {$56.00}. I called American Express to inquire and was told that the payment was received late, thus the charges. I called XXXX XXXX to ask why the payment was sent late and they told me that I could open a case and they would look into it and opened a case on my behalf ( Case # XXXX ). 
After receiving notification from XXXX XXXX that they were not at fault because they sent the date on the day I requested XX/XX/XXXX, to be delivered by XX/XX/XXXX but American Express stated it wasn't received until after the due date. After several calls with both XXXX XXXX, American Express and one three-way call with XXXX XXXX on XX/XX/XXXX, American Express and myself, I was told that the bill was sent to the incorrect address and the correct address was XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX At that point, I thought the error was on my part but after getting off the call I checked my bill and saw the address is XXXX XXXX XXXX, City of Industry, CA XXXX which is the address I had entered on XXXX XXXX bill pay. I then called American Express to explain this and was told by a supervisor named XXXX that they will not be reversing the charge and there's nothing that could be done about the charge because they never reverse charges in the first year card membership. 
I was told several times when speaking with American Express that I could avoid this from happening in the future if I signed up for automatic payments which I am not interested in doing.
Product: Consumer Loan

My car payments have always been made on time until this month when we fell on hard times. Although my payment was due on the XXXX of XXXX we have a 10 day grace period. On the XXXX of XXXX Credit Acceptance started calling me at work up to 5 times in an 8 hour period after being told not to contact me at work, they could reach me after XXXX at home. To make matters worse they were doing the same to my mother at work since she was my co-signer. I submitted partial payment today via online payment center and also an e-mail explaining that I would pay the remainder next week and they are calling again, I have received 2 phone calls already this morning and my mother has had 3 and it is n't even XXXX yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30 yrs loan with 5 yreas fix then as of XX/XX/XXXX was changing to adjustable rate with rate much higher like 5.5 %. Therefore I applied on XX/XX/XXXX for loan modification. That time my XXXX was XXXX & I was plan to either modifying my loan because fed rate was 2 %. I filed for modification filed application & provided all requested documents to my lender Mr. COOPER. I was calling lender every month & they said we are processing. Then after 5 months I had to hire a modification company & pay them {$1200.00} every month and ask them to help me for my modification. That company provided all documents to lender and call them every week too. But lender took 14 months to denied my modification without any reasons but they told me our policy is not to modify loan but we can put you for forberance plan. I was very upset, because as of XX/XX/XXXX the lender raised my interest rate to 5.5 % & my monthly payment from {$3900.00} jumped to double {$6500.00}. Again I called them every month & informed them because I have XXXX XXXX & XXXX XXXX I am in XXXX I wanted to modify or refinancing my loan to be able to pay my morgage in full but they ignored me, then as of XX/XX/XXXX I have to pay them {$3500.00} per month which I did every month paying them half payment. In meanwhile the company that helping me for modification & I call lender for result of modification but instead they were accepting my partial payment & telling us we are processing loan documents but the same time lender also reported to credit bureau for delinquency & not paying the payments & charging me late fees. 
It took 14 months to give me the modification result but the same time asking all kind of fees. When I complained to Escalating dept. Customer Service Dept. Collection Dept. But all managers told me we apologize, we are sorry we made mistakes but I asked them then correcting my credit report which my XXXX now is XXXX & I can not asking refinancing or to any other bank applying any loan because every body don't even look at my documents & the first thing they said your XXXX is very low & you have deliquents & late mortgage payments. 
Also from XX/XX/XXXX till XX/XX/XXXX, I paid them every month {$3500.00} instead {$6400.00} but they reported to Credit bureau I owed them {$90000.00} plus all fees. 
They are crook and they jipt & robbing me & the same time causing me so much cost for paying to another company for helping me for that modification. I am a XXXX  & XXXX. They are abusing me with this mortgage & not modifying my loan on time. Lender could tell me in 30 or 60 days they don't want to modify my loan then I had enough time to refinancing or not paying that much to a third company for helping me.
Product: Credit card or prepaid card

USAA permanet credit was Never Applied This letter is in answer to Why are there Thousdands Dollars of Chargebacks IF NO UNAUTHORIZED CHARGES OCCURRED WHEN I REPORTED XX/XX/XXXX? XX/XX/XXXX 1st time USAA finally admit unauthorized DID OCCUR .They HAD TO IN ORDER TO MAKE CHARGEBACKS LEGAL THIS {$470.00} did Not Credit to My Account XXXX or XXXX
Product: Mortgage

On XX/XX/XXXX Ocwen Loan Services received a default judgement on my home. I filed Bankruptcy and the case was stayed until XX/XX/XXXX. On XX/XX/XXXX my Deed and Trust and Note were transferred to PHH Mortgage. Ocwen Loan Services and and their Substitute Trustee, XXXX XXXX XXXX of XXXX XXXX XXXX, have continued to try and sell my house in Judicial Sale. The have no legal right to sell my home because they no longer own the debt. PHH Mortgage has agreed to work with me to avoid foreclosure. Ocwen Loan Services and its appointees are committing fraud by moving forward on a foreclosure sale on my home. XXXX XXXX XXXX and Ocwen Loan Services have illegal foreclosed on my home since XX/XX/XXXX when my loan was transferred. I have asked Ocwen Loan Services and XXXX XXXX XXXX to cancel the illegal selling of my home and they have refused.
Product: Credit reporting or other personal consumer reports

I was added as a authorized user on a XXXX XXXX XXXXXXXX account that was opened in XXXX, but my credit score/report does not reflect it.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account # XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX JUST has violated my RIGHTS. 

15 U.S.C # 1681 SECTION 604 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting

I have tried over 10 times to get my XXXX score directly from Equifax, and their system has refused to release my XXXX score. I tried to call for help over 6 times and they say nothing is wrong but I still can not get my XXXX score. Originally they stated I had a mismatched name but I sent them documentation on XX/XX/2017 showing my proper name and they updated it. I believe the hyphen in my last name is causing a problem with their system. My hypenated name on my credit report does n't match my non-hyphenated name on my Equifax profile. But the Equifax profile does not allow hyphenated last names but their credit report allows hyphenated names. This creates a mismatch that prevents me from getting my score. I have been bounced around to different departments and no one is helping me. The error code shown on my XXXX failed orders is Eval Code : - Status Code : XXXX Reason Code : XXXX but no Equifax agents knows what it means. I also tried to purchase the XXXX score from a different source ( XXXX ) and they can not get my Equifax report data. Equifax is not releasing my credit report. My refinance is closing in a few days and this is jeopardizing my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax sent a letter dated XX/XX/2018 claiming " unable to locate a credit file '' Please confirm ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to request the CRA to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. XXXX v. United States, 328 F.3d 132, 139 ( 4th Cir.  XXXX ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 ( 2d ed. XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report I have a large amount of inquiries showing that is affecting my credit rating. The inquiries were for the purchase of a vehicle. From what I read they should all be considered as one inquiry? I have pasted the comment below. 

" All inquiries made within a 14 day timespan for the same type of loan are counted as just one inquiry, so it's best to shop around. '' I would like these inquires consolidated please. Better yet, remove them as I purchased a vehicle. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have tried to dispute my car loan on my credit report I have read over my contract and saw some fraud issues using codes 15 U.S. code Right to Rescission 15 U.S. code ( B ) Right to Rescind
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I DID NOT AUTHORIZE THESE INQUIRIES WHICH APPEAR ON MY CREDIT REPORT AND THESE ACCOUNTS ARE IN VIOLATION OF 18 U.S. CODE 1028A XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, EQUIFAX MORTGAGE SERVICES XXXX, AND XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive tried to reach out to the XXXX credit bureaus multiple times ( XXXX XX/XX/year> XX/XX/year> ) the first problem I have is with an unknown account called XXXX XXXX XXXX Ive never used that Ive called them to ask what was it they didnt help me but it magically was removed the next day I told them about my account being exposed in a data breech maybe thats where these unknown accounts are coming from I was told to reach out to the federal identity theft but this has gone on for far too long secondly I have an account thats closed & paid with XXXX XXXX XXXX XXXX they arent reading my dispute to even see if its correct I even asked for proof they just decline my disputes I have an unknown collection for XXXX they still havent provided proof of this account was from me.