23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 an alleged fraud or extortion. 

XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$490.00} ; XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$680.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX US BKPT CT XXXX XXXXXXXX Bankruptcy XXXX XXXX-discharged Reference # XXXX XXXX XXXX Filed/Reported : XX/XX/2018 ; FED CT Bankruptcy : Discharged XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; U.S. Bankruptcy Court XXXX XXXX bankruptcy discharged Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX violated the law by allowing the following 3 items below to be re-added to my credit report after they were removed without sending me proper notification. These items successfully removed, as of XX/XX/2017, but were re-added. 
The items are as follows : XXXX XXXX-XXXX XXXX {$670.00} XXXX  XXXX-XXXX XXXX  {$580.00} XXXX  XXXX-XXXX XXXX- {$530.00} In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Paraphrased Version : I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing.

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

I demand the removal of the late payments from my consumer reports.
Product: Debt collection

I was signing up with care credit with XXXX dental to get work done. I gor a cleaning and x-rays. I got an estimate for the first round of work. I paid XXXX something. Thinking that was it. No other work was done. Looks like XXXX charged my insurance for those items. I paid care Credit for nothing apparently. Thought that was the end. Just got a call I owe XXXX. Now they want money for nothing. XXXX XXXX was very rude. I have disputed the charges. I need to know what I have to do to get rid of this.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX  XXXX Balance Owed : {$20000.00}
Product: Credit reporting or other personal consumer reports

I have been a victim of Human trafficking and my credit report has been used for items that are not mine - please help remove this my information has been stolen please see my new social attached. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Checking or savings account

Between XX/XX/XXXX and XXXX XXXX took XXXX out of my account this was unauthorized they autorenewd already cancelled subscriptions and refused to give me my money back so I contacted my bank Money Lion to dispute the charges and today XX/XX/XXXX is the XXXX day since I filed my disputes and under regulation E they have 10 days to resolve dispute or issue a provisional credit while they continue to investigate and they havent issued updated and keeps saying I may not be eligible for the credit when I sent the written confirmation in on the same day I filed the dispute and the unauthorized transaction meet the requirements under regulation E and they refuse to connect me with the dispute department or giving me a update furthermore more the deposits that were posted into my account by mistake were XXXX payments made out to me for my daughters and these checks are to be used for their expenses only they have no obligation with anyone to owe any money This is my first and original dispute MoneyLion merged this dispute with my direct dispute with them over my credit reserve money from the credit builder loan being took for an instacash payment. They cancelled my dispute with XXXX and this triggered the provisional credit I just received on the XXXX to be reversed doing so the money promised to me was once again taken for a dispute they did not correctly investigate this company is very incompetent they dont throughly review anything and I have lot my car behind this and had my phone disconnected I will be filing a complaint with the Ohio state attorney general as well this is exhausting and you can never talk to anyone who can help they will lie and say these departments work offline I repeat offline but they are somehow able to receive email they have lied to me
Product: Debt collection

Contacts me at least twice a day as well as calling my relatives that has nothing to do with it. 
XX/XX/XXXX called me and my upset three time XX/XX/XXXX called me once XX/XX/XXXX called me twice and my husband once. 
XXXX of XXXX - XXXX at least me twice from different numbers and my husband once. Caused friction on his job when they call during the day. 

I receive calls from numbers ranging from NC, GA, CA, TN, TX to name a few. 

I asked them to stop calling as I am working with a credit repair company, but they keep calling us this has been going on for over 5 months now.
Product: Credit card

I applied for a Capital One Venture Credit Card several weeks ago. On XXXX XXXX, 2016 they sent me an e-mail, which I did not receive/see until a few days later. In their letter they stated " Based on your application information, despite our attempt to reach you, we have been unable to resolve a consumer alert you placed for access to your credit bureau report. '' I did place an alert because my credit card was compromised. 

They also stated in their report that my XXXX XXXX credit score was XXXX, dated XXXX/XXXX/2016. Just below that they wrote, " Key factors that adversely affected your credit score : Serious delinquency ; too many accounts with balances ; proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high '' This is absolutely false. I do not appreciate getting a letter accusing me of false activity with my credit. A letter stating the facts would have been acceptable and I could have proceeded from there. I can not, however, accept the fact they are sending me a form/custom letter with false information. 

Nobody ever tried to reach me, other than this email that I was n't notified that I would receive. The key factors that you say adversely affected my credit score of XXXX are in absolutely false. I have XXXX credit cards. XXXX is paid off monthly. The other has a small balance, less than {$1000.00} out of a credit limit of {$7500.00}. 

I was denied a credit card by Capital One Venture Card after they nicked my credit twice because they said, via telephone, that the credit reporting bureaus did not have my telephone number. When speaking with them they were unable to take my phone numbers verbally from me. I will look into this. There was no need to check my credit TWICE!! I do not feel they had any right to do this. Once to verify my credit and the second was unnecessary and I want it removed from my credit report because all it will do is hurt my credit report. 

It appears that Capital One Venture Card sent me a form letter of denial stating the above false information. I want the denial of credit by Capital One Venture Card to be removed from any credit reporting bureau because of their false accusations. I DO want a letter from Capital One Venture Card stating the reason I was denied, because as they told me they were unable to get my phone number from the credit bureaus.
Product: Credit reporting or other personal consumer reports

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I Was entrapped into a loan by the clinic listed in the attachment PDF below, after I realized that the deal was fraudulent, I expected XXXX to honor my Frozen and locked credit wich, at the time this happened it was. I believe it can only be unlocked by me by phone and with a series of questions. I never received a call from XXXX nor XXXX or XXXX, I need help to reverse this transaction, please and thank you for your attention,
Product: Money transfer, virtual currency, or money service

- On XX/XX/2023 I used Wise money transfer app to send {$49000.00} ( Equivalent of XXXX XXXX ) to send money to XXXX, XXXX to a real estate broker - On XX/XX/2023 I got email that my money is sent successfully and will be available in 2 buiness days. However money was not there despite calling Wise customer support manytimes I was just told we had sent it. 

- On XX/XX/XXXX, I got email to send more documents and info about recipient which I shared same day. 

- XX/XX/XXXX. I got email that info is processed and my money will reach there in XXXX days - XX/XX/XXXX : I got another email confirming money will reach there for sure by XX/XX/2023 - XX/XX/XXXX : Another confirmation, I was assured, money will reach by XX/XX/XXXX. So I initiated another transfer of {$50000.00} to same recipient. 

- XX/XX/XXXX. Money was still not there, they asked me to wait XXXX more day. After 1 day, there was no money. 

- XX/XX/XXXX : I got different conflicting emails saying money is sent and another mail that its still being reviewed by Wise partner team of Visa Payments Ltd XXXX XX/XX/XXXX : I got email saying essentially that money is lost and if we can not trace it all your funds are gone we can not help. Their words in writing : " If you do not receive a response from Wise after 30 days, the trace is considered unsuccessful and the case will be closed. '' At the time of writing this compliant, still my money {$99000.00} ( $ XXXX ) is no where.
Product: Mortgage

I have a mortgage held by M & T Bank XXXX XXXX, N.Y. The loan is FHA. I 've been making payments for 5 years - not a single late payment. Due to an increase in home values in California over the last five years, my LTV is now much less than the 76 % threshold needed to cancel private mortgage insurance. M & T says it wo n't accept an appraisal to verify the current home value and therefore wo n't cancel PMI until the outstanding loan reaches the 76 % ratio solely through principal reductions to the original loan balance This is absurd, given that I could refinance ( but do n't want to ) and a new loan would be based on the home 's appraised value. This practice seems patently unfair. If however, this is law, as they state, then the law needs changing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provide information to   XXXX   in   XX/XX/XXXX ,  disputing inaccurate reporting by  XXXX  and   XXXX   XXXX   XXXX   on my credit report. Supporting documentation and the listing of my chapter  XXXX  case including my student loans was referenced in the dispute to  XXXX . I reviewed the completed dispute from  XXXX  recently and the disputed items are displaying that my account with  XXXX  is closed, and that no payments have been received since  XX/XX/XXXX . I have been under chapter  XXXX  bankruptcy since   XX/XX/XXXX .    XXXX   XXXX   XXXX   has been reporting payment history for all of my loans to this reporting agency since that time
Product: Debt collection

The collection agency is not licensed to collect debt here in the sate of Tennessee.
Product: Checking or savings account

I received a direct deposit to my venmo I got over XXXX venmo froze my account and said I will have to wait 180 days and I cant I Have my whole family depending o. This money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is incorrectly submitting derogatory student loan information on my credit reports. My Federal Student Loans were discharged/closed out, by the Department of Veterans Affairs , and The Social Security Administration because of my XXXX XXXX XXXX XXXX XXXX XXXXXXXX status. I was informed that I no longer owed on the student loan debts ( by letter from both entities ), yet XXXX XXXX continues to report derogatory student loan balances, and that the account is currently open, on my credit reports. This information that XXXX XXXXXXXX is providing to my credit reports is false information, and it should show as closed accounts, and no longer owing. This is causing my credit score to remain low, and the inability to secure loans. It is affecting my credit worthiness.
Product: Bank account or service

My check was declined with a local merchant as a result of Telecheck. When speaking with their representative, I was met with individuals with a strong foreign accent. However, I could cope with that more so than I could the fact that they were unable to give solid details on why the check I wrote was declined. I understand that this company is meant to protect merchants. But my checking account had the funding available. They inform me that my driver 's license was connected to an account at a bank that I have never frequented. In fact, there is no bank of that name in my city. In my efforts to the have the issue resolved, I was hung up on once. But as I continued to call back I was met with some very professional individuals who explained more clearly what was transpiring. However, my ultimate concern is whether this company should be merging the efforts of guaranteeing checks and debt collecting within the same umbrella. When the two purposes are merged into one, you have chaotic experiences like this one. While I have never had a checking account with the alleged bank in question, I am being treated as a fraudulent person. There is no rational reason for denying my check with thousands available simply because of an account with another bank. Even if I had that account, would n't it be feasible to simply contact me about it rather than create a massive issue via denial of my active checking account. This is not a credit issue. This is my money which I should effectively be able to spend at my leisure with any vendor. I am not confident in this company 's operation and I certainly am not confident in their ability to follow through and effectively investigate the matter as they claim they will. After about an hour of communicating, I am pretty confident that they will not adequately handle this situation and I may have to resort to a lawsuit with them and the vendor. They were unable according to the representative to provide any pertinent information about the alleged account. This is a direct violation of my rights as a consumer. I required full disclosure of the information for which they had on file as well as details on the account that triggered my denial. However, they were unable to provide and instructed me to complete a form so they could begin an investigation. The company has already taken adverse action against me by denying the approval of my check. The investigation should be required before action is taken is the method most suitable for the consumer.
Product: Debt collection

Im a current full time XXXX at XXXX. Im in a problem for students with XXXX. Im required to only live on campus. Which also comes with Scholarships, and grants. Ive never did business with XXXX XXXX XXXX, or National Credit Systems. Im depending the fraudulent account be removed from my credit reports. Ive never signed or entered into an agreement or contract with National Credit Systems or XXXX XXXX  XXXX. Im attaching proof showing where I paid and lived on my college campus
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a Fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. This happened in the Months of XXXX, XXXX & XXXX - XXXX, XXXX ; [ ERC ACCOUNT # XXXX has violated my rights ; [ ERC ACCOUNT # XXXX has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

This debt was incurred due to medical malpractice ( XXXX XXXX XXXX, XXXX, TX ). I asked the doctor to turn over my claim to his malpractice insurance company. This has cost me thousands of dollars to XXXX XXXX XXXX. I am still trying to collect damages from this doctor. He never responded and turned over me to collections Merchants and Professional Collection Bureau , Inc. I sent them a letter describing exactly this issue and instead of not contacting me and verifying my debt they start reporting this debt to the credit reporting agencies. They never verified the debt, like I asked and they never stopped it from being reported when I specifically told them not to, due to the circumstances above.
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. 

ALL ACCOUNTS & ALL INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights as follows : 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 which I have NOT provided. 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 reasonable cause to believe that the information is inaccurate.

Any and ALL potentially negative or adverse reporting, as well as unverified and inaccurate information must be deleted from my credit report immediately. Remove these items listed at your earliest opportunity.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report in detail and I am shocked to see that I am a victim of identity theft. I have a collection account that is hurting my score and opportunities for credit. This account does not belong to me. Please remove this account from my credit report as soon as possible. 

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

XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion customer service would not help and take care of the negative inquiries reporting to my credit report. I have no knowledge were these inquiries came from. I took the time to contact each company separately and neither one could give me information where this inquiries came from. The only course of action they gave was to contact TransUnion.
Product: Credit reporting or other personal consumer reports

I paid off my credit card to XXXX  balance and then the auto payment went through the next day. I asked them to return the funds for the 2nd payment and they returned both payments by mistake. I spoke to the bank and they were supposed to delete the 30 day late from my credit report becuae it was the banks error that caused the late payment. The account is showing the XXXX balance yet the 30 day late rating remains.