23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a XXXX XXXX with a set income ; assigned to XXXX XXXX XXXX. I was assigned to XXXX XXXX XXXX for treatment by XXXX XXXX. All procedures were approved prior to treatment. Each doctor 's office were contacted prior to the schedule procedures the dates were set from the doctors ' office. Written authorization were issued by XXXX XXXX. I presented the papers at each visit for XXXX I stressed '' do not file with any other insurance but XXXX  '' .I was ignored ; XXXX XXXX XXXX then filed the procedure with Medicare first not XXXX. Medicare denied the charges. I don't know if the charges were ever filed with XXXX. I have been turned over to the collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX. ) for none payment instead.Each time I have been contacted I informed them that the procedures were filed with the wrong insurance. I have not been contacted to say that the charges were ever filed with the right insurance company by XXXX XXXX XXXX XXXX nor by the Collection agency. If I make any payment then I will not be reimbursed. I do not think the charges have ever been file at XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>- XX/XX/year> my payment for FNBO was delinquent 5 days past the due date. I was in the middle of moving my mother and it must have slipped my mind. The balance was {$17.00} its not like I couldnt pay it, I just thought I had done so. I have had them as a credit card provider for over 10 years I have never been delinquent. When I called, FNBO ensured me since it was not 30 days late, just 5, it would not be reported on my credit report. It was paid immediately. It wasnt until I saw my credit score that I noticed it was reported but its false because it was not over 30 days late. Please contact me with any further questions
Product: Debt collection

debt was removed by XXXX and reaged by way resource group.
Product: Mortgage

SLS - Specialized Loan Services - a XXXX XXXX lender served me with foreclosure paperwork dated XX/XX/2020. Ive been advised that the CARES act stops foreclosures after XX/XX/2020 until XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to inform your company as well as the 3 major credit reporting agencies that my identity has been lost & comprised and it's causing not only me my reputation but it has completely destroyed my credit file. I'm demanding that the following unauthorized & unknown accounts be blocked & removed from my credit file. This obviously happened sometime during my incarceration. I'm also requesting that the 3 major credit reporting agencies provide me with The Method of Verification in physical form, the agent name and title inwhom conducted the investigation, the time and date inwhich this data was collected. Also please send me certified documentation of any fact findings. Please block & remove these fraudulent accounts : 1 ) XXXX {$1100.00} 2 ) XXXX XXXX XXXX {$240.00} 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) US Dept of Education {$7500.00} 6 ) US Dept of Education {$4300.00} 7 ) US Dept of Education $ O 8 ) US Dept of Education {$0.00} 9 ) XXXX  XXXX  {$21000.00} 10 ) Missouri Div XXXX XXXX {$6000.00} 11 ) Missouri Div XXXX XXXX   {$63000.00} 12 ) Missouri Div XXXX XXXX {$20000.00} 13 ) Missouri Div XXXX  XXXX {$42000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures de- signed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the pay ment due date. The creditor failed to do so
Product: Debt collection

Company : KP asset consulting Has called my mother two times in two days and left 2 voicemails with my name in them and saying I have pending claims and if I do not respond they are threatening to show up to my HOME as well as my workplace. 

I do not know what pending claim they are referring to. To my knowledge I have not received any calls or anything by mail from this company. So it is not appropriate at all to be calling my mother and leaving voicemails or threatening to show up to my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased a new vehicle thru XXXX XXXX XXXX. Agreed to finance thru XXXX XXXX. Approved by XXXX and took delivery. 

Four days later, received a letter from Capital One saying we were turned down for loan. We never asked to apply to Capital One. Dealer never mentioned Capital One or that they were going to apply. Never signed a credit application for Capital One. 

This hard inquiry will negitively impact my credit score. I never requested a loan from Capital One.
Product: Checking or savings account

On XX/XX/2017 my Chase bank account had online fraud most likely from my laptop computer. The amount was {$1300.00}, which was the exact amount I had left In my account. They were able to transfer the full amount of money that I had left in my account to a bank called XXXX. About two weeks later I was able to get my money back from Chase, after going through the claims process after they believed someone was able to hack my online banking information. 

Yesterday morning I woke up and Chase had taken the full amount from me again. After sitting on the phone with Chase for over three hours, they first lied to us and said it was because of husband 's paycheck then we find out they actually have decided that they decided the fraud happened on my device and that means I am the one that sent all of my money away. When I ask who my money went to or what, all they will tell me is a credit card. I have never had a credit card! 

This is obviously online fraud and someone was able to hack into my computer, into my online checking account. But because Chase believes I did it, I am now left with no money in my account to pay my mortgage, bills, and many many other things. I have talk to every person they said I could talk to. They told me they had no more help for me and I could would just have to deal with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

inaccurate information and balances that do not own to me
Product: Credit reporting or other personal consumer reports

Ive reported multiple times that theses accounts doesnt belong to me and please remove them please
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts have been disputed on these dates for these reasons : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

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

I have sent in letters to XXXX XXXX, and also XXXX XXXX I have also called I have also upload my photo Id and social security card to have proper things taking off my credit report. I am not sure why they even keep letting people run my credit with out verifying that it is me. This is why I have a fraud alert on my report. I just so happen to pull my report and this is crazy how they have let just about everyone pull my credit. I recently order my credit report and noticed that there are more then a few inquires that I do n't recognize nor did I authorize. Such as : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the inquiries that are unauthorized and unrecognizable. I have called over and over again and for some reason they keep telling me that there is nothing that they can do. If this is true then why would I even have a fraud alert on my report. The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm offer of XXXX XXXX XXXX XXXX XXXX XXXX XXXX order The following credit inquiries are related to none of the aforementioned permissible. Please remove these credit inquiries immediately.I would also like and updated report when this problem is corrected. Thank you so very much in advance XXXX XXXX I would also like my correct name and address and right social security number updated along with my phone number. I am attaching copies of all the correct items.
Product: Mortgage

Denied for HAFA without proof of appraisal. We submitted a an appraisal of the property for a HAFA short sale to Wells Fargo that came in at $ XXXX. Wells Valued the property at {>= $1,000,000}. Wells then said they re-appraised it and said the property value was still too high but did not give me us a number. The payoff on the first mortgage is around {$110000.00}. We have an offer at {$100000.00}, which should make the homeowner eligible for HAFA. Wells has now countered back and say they need to net {$110000.00} with no valid reasons except investor demands? I think they just do n't want to do a proper HAFA short sale. The homeowner has two egregious home equity, open-end mortgages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last reported XX/XX/2023, on two accounts with XXXX XXXX XXXX reported to my credit and it making an impact to my credit. 

Last reported XX/XX/2023, Medical Data Systems Ins reported to my credit Last reported XX/XX/2023, XXXX XXXX reported to my credit
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 
I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I opened an account online with first Tennessee national bank it required a {$50.00} account balance to open it so I transferred {$50.00} from my financial institution to first Tennessee national bank they process my account they sent me a debit card with all the new account information A little bit of time passed I received a letter in the mail that based on a previous relationship that we have had they were not able to honor my account and they would refund my {$50.00} within 10 days of receiving the letter that was at the end of XXXX I called today XX/XX/XXXX to check on my {$50.00} and they told me that they the recovery department intercepted my {$50.00} for a balance owing that I had when I was a joint account holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan taken out in my name and tons and tons of hard inquiries that I never made almost everything on my credit profile wasnt done by me my credit has been destroyed
Product: Checking or savings account

I opened a new checking account with Truist on XX/XX/XXXX because of a {$400.00} new account bonus under promotion code XXXX. The parameters were advertised as 1 ) At least one qualified direct deposit totaling {$500.00} or more within 90 days. 2 ) At least XXXX debit transactions. 

My employer ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has been using direct deposit into that account since XX/XX/XXXX. I have a total of more than {$1300.00} deposited since then. Actually, by the end of XXXX I had met the requirements and called Truist to inquire because they said the money would be in the account " within 28 days '' of meeting the criteria. That amount of time had passed, so I called the main Truist line of XXXX to ask why. They did not tell me that I didn't qualify, they only read me the above two parameters mentioned. I asked them, " did I meet those? '' and was told yes. But they couldn't tell me why I was not showing as qualified on their end. They just said " it was in review. '' On XXXX XXXX, XXXX I did not hear back so I went into the local branch at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and met with Senior Relationship Banker, XXXX XXXX. She confirmed I had met the direct deposit requirements and also had more than enough use/debit transactions. She called someone to inquire why it wasn't showing as " qualified '' on my account. The person on the other line said it was probably because they were waiting until XX/XX/XXXX because that was my 90 days. XXXX gave me her direct number XXXX and said to call her today to make sure it was switched to qualified. 

So on XXXX XXXX ( today ), I called XXXX from Truist. She said it was not showing still as qualified, so she filled out a review form and said I should hear back soon. I indeed got an email just a few hours later saying the reason was " I did not meet the requirement of at least one direct deposit totaling {$500.00} within 90 days. '' Of course I have that parameter met. The banker verified it and I have proof. But when I called the number back from the email they refused to acknowledge that I had not only met parameter but exceeded it. She just said " it was denied. '' I left a message for the banker, but I decided to go ahead and file a complaint because I did have a past experience with Truist when I had a BB & T checking account for my business ; when it merged, I closed the account and Truist would not send me {$6000.00} that was electronically sent to my old debit card. I had to go up the chain to the old BB & T executives to get them to finally get my money sent to me ; otherwise, they were going to keep and and not even return it to the vendor who had sent it ( they told me they wouldn't do that ). 

So, I have little faith in Truist for executing ethical practices. I hope you can help me. I do have proof of their reason for denial, the printed parameters, and of course my payroll deposits. 

XXXX XXXX
Product: Credit card

A week and a half ago we went on vacation. We decided to use our American Express Card because we hadnt used it for awhile and didnt want them to close our account. We have been with them for 40 years. When we left for vacation on XX/XX/XXXX our available line of credit was {$6000.00}. After using our card just a few times ( see attached ), we noticed a massive drop in our credit limit. It decreased from {$6000.00} to {$1400.00}. At this time we had only a little over {$900.00} on the card ( at least this is when we noticed it ). We only had a credit available of $ XXXX. I phoned them and asked them why they did this. They said after a review they determined basically we had credit issues. First, my credit score is over 700. See attached credit score on American Express Website. I have never been late on any payments with them. I have never been late with any other creditors. I believe they are discriminating against me because of my age. At the time of the call the man I was speaking to said he would increase my available credit up to {$1500.00}. When I checked the app it said I had a credit available of {$1500.00}. It did not say it was temporary. After I used my card I now noticed its showing an over the limit amount of {$1000.00} due now. If I do not pay this now it will be reported to credit reporting agency which will hurt my credit score and my reputation with my other credit card companies. Today, XX/XX/XXXX, I had to do a balance transfer to get out of this negative. This cost me {$60.00}. Why would anyone give a person a temporary increase? If I knew it was temporary I wouldnt of used the card. I want my original credit limit reinstated. I have never received any documentation from American Express notifying me of any changes. I believe this is age discrimination. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested this account and credit card to be closed on XX/XX/2022 after paying the final balance owed. I continued receiving billing statements from Comenity Bank for this credit card. Once again, I called and explained that this account should have been closed in XXXX of 2022 and the agent assured me that the account was closed. I did a dispute on my credit report to have this account removed because it is still reporting as open and that I am in default with payments. The account remains on my credit report.
Product: Money transfer, virtual currency, or money service

I was in the middle of purchasing a house when I received a communication from my agent to wire down payment for a quick closing. Well, I did not know he got hacked and it was a scam. I transferred money from my XXXX account to an account in bank of America. After I was notified that I was scammed by bank of America ( apparently they already knew there was something wrong with that account and did not do anything about it ) I requested information when I was notified that I will not receive it and I have to report it. I opened a police case, FBI case and my XXXX XXXX requested a recall. 40 days is passed and basically everyone including FBI is telling me that they have no power over bank of America to get even the slightest information. I am sitting ducks here and no one is giving me any information about XXXX dollars that is now disappeared in the name of protecting the privacy of obviously scammers. Good to know that as tax payers we have no rights. More importantly, even government agencies have no power to get answers from these banks. I guess everyone is giving me the answer that I should spend more money on lawyers to get some answers.
Product: Credit reporting or other personal consumer reports

Im a natural person, I am a living human being. Have rights under 15 USC 1681. 


Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed. 

According to 15 USC 1681. I have the rights to privacy and I did not give Equifax written permission to furnish these accounts. 



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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX. XXXX XXXX XXXX Late Payment Account XXXX. XXXX XXXX  XXXX Charge Off Account XXXX. XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX XX/XX/XXXX Inquiries XXXX. XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX  XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX XXXX  XX/XX/XXXX Inquiries XXXX. XXXX XXXX, XXXX XXXX XX/XX/XXXX Inquiries I believe that the above items are inaccurate and/or incomplete. 

Regarding the Late Payment Account from XXXX  XXXX, I have never been late on a payment and I have documentation to support this. Therefore, I believe that this item is an error and should be removed from my credit report. 

Regarding the Charge Off Account from XXXX XXXX, I do not have any record of such an account with this institution. Therefore, I believe that this item is an error and should be removed from my credit report. 

Regarding the inquiries from XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX XXXX I do not recall authorizing these companies to pull my credit report. Therefore, I believe that these inquiries are unauthorized and should be removed from my credit report. 

I respectfully request that you investigate these items and make any necessary corrections or deletions to my credit report. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I received the wrong item from the seller and told the seller I would return it, but first they need to send the correct item along with a return label paid by the seller, and I never heard back from them