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

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX and XXXX had deleted my bankruptcy but TransUnion and XXXX are not complying to the law.
Product: Mortgage

I applied for a Home Equity Line of Credit XX/XX/XXXX. My home has been paid off since XX/XX/XXXX, My credit score is XXXX. I have been told by Bank America that there is a Lien on my property that's been there since XX/XX/XXXX. I initially had a 30 year FHA Loan thru XXXX XXXX   that was purchased by XXXX XXXX XXXX, that was later purchased by XXXX XXXX. On XX/XX/XXXX I refinanced my mortgage for 15 years with XXXX XXXX who paid-off my 1st 30 year FHA mortgage ( XXXX XXXX became Bank America ). On XX/XX/XXXX I paid off my mortgage with BankAmerica. I have since had a {$70000.00}, Home Equity Loan with BankAmerica paid-off, and a car loan paid-off Both XXXX XXXX XXXX  and Bank America have been negligent In the procedure they used in handling clearing out that old {$51000.00}. I never received paperwork from Bank America when they paid XXXX XXXX off, nor did I get paperwork from XXXX XXXX showing the mortgage was paid. 
In the Superior Court of XXXX County on Book # 1240, Page # 25 is  the amount {$51000.00}. Both banks have been paid. PEASE HELP ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act conversion the following accounts XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX AND XXXX XXXX XXXX # XXXX are not being reported fairly and equitable and my consumer rights have been violated. The bureaus are not reporting 100 % accurate information on my credit report, late payments, account numbers, dates of last activity, account status and balances. 

The credit bureaus are in violation because of inaccurate, invalidated, and unverifiable reporting tactics, 15 USC 1681 section 602 A states I have the right to privacy, 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish your account without my written instructions. I have sent letters requesting them to verify the accuracy of these accounts.
Product: Credit reporting or other personal consumer reports

I did not authorize the inquiry. I did not engage with this lender on the specified date.
Product: Credit reporting or other personal consumer reports

there was a a fraudulent account that was opened in my name with US BANK and they refused to close it. I would like this account removed from my credit immediately.
Product: Debt collection

There is inaccurate unverified information posted on my credit report with XXXX XXXX and XXXX I do not recognize this debt and if it that is mine I request the original signed contract with my signature. I have sent several requests to dispute this information with the three credit bureaus and it has not been removed from my credit report after 3 attempts. The credit bureau has stated this information has been verified but I have no documentation or proof and what means this account was verified. I have not received any documents showing that this information is valid and that it is mine.
Product: Debt collection

Miramed Revenue Group indicated that it was suspending collection activity, however, I am attaching the information for their review as it pertains to their client and how many other claims are to be processed with the insurance and their client ( s )  have already been informed that all is due is a copayment and that copayment may have already been paid. In addition to these expenses, there are corresponding laboratory expenses that have not been billed properly through insurance. XXXX   XXXX 's XXXX has also been paid the full balance of {$540.00} or is pending receipt. I have attached the most recent receipt with all prior money order ( s ) numbers. All medical expenses were covered by insurance and none were elective treatment ( s ) but were medically necessary. XXXX will also be notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS SOME INQUIRIES ON MY CREDIT REPORT THAT ARE NOT MINE. 

XXXX XXXXXXXX -- NOT MINE XXXX   -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX  -- NOT MINE XXXX XXXX -- NOT MINE XXXX XXXX XXXX XXXX -- NOT MINE XXXX  XXXX XXXX -- NOT MINE XXXX -- NOT MINE XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX -- NOT MINE XXXX XXXX  XXXX -- NOT MINE XXXX  XXXX XXXX -- NOT MINE XXXX XXXX -- NOT MINE XXXX   XXXX XXXX -- NOT MINE XXXX   XXXX XXXX -- NOT MINE XXXX XXXX XX/XX/XXXX -- NOT MINE XXXX XXXX XX/XX/XXXX-- NOT MINE XXXX XXXX XXXX XXXX  | XXXX XXXX XXXX. XXXX XXXX XXXX. | XXXX XXXX XXXX  XXXX   XXXX  XXXX | XXXX XXXX   XXXX 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 XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

in accordance to Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The credit Bureaus stated my account was properly investigated but how is that possible if the open inaccurate, the date last active is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my recent credit report, I noticed an inquiry from XXXX XXXX XXXX on XX/XX/21, which I neither initiated nor authorized. I consider such unauthorized actions a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I hereby demand that you conduct a thorough investigation into this matter and subsequently provide me with all the requisite documentation proving that I authorized this inquiry. Failing which, I request that you immediately remove this inquiry from my credit report.

If you do not comply with this request or if the investigation results are not to my satisfaction, I must inform you that I will be left with no other choice but to seek legal advice. I am prepared to exercise my legal rights under the FCRA to the fullest extent to protect my credit history.

Please understand that my credit score is of paramount importance to me and I will not tolerate any unauthorized actions that may negatively impact it. I expect this issue to be resolved promptly and professionally.

I appreciate your immediate attention to this matter and look forward to your response within 15 days, as is my right under the FCRA.
Product: Debt collection

This is my second CFPB complaint about Midland Credit, I am now providing further proof that they have been mishandling my garnished funds. I would like a complete payment history from XX/XX/XXXX to the current date. I have asked for this simple request 3 times, and have yet to receive it. I believe as a consumer, I have a right to see how Midland has applied the funds they have received. My paystub garnishments do not match the amount that they are crediting and I am fully aware that there is a {$12.00} sheriff fee that is taken out first. Most of the amounts still do not match. I am enclosing a copy of my last two paystubs as well as Midland 's online account record. You can clearly see that neither of the garnishments have been credited to my balance, in fact the two paystubs, XX/XX/XXXX had a garnishment of {$200.00} and XX/XX/XXXX had a garnishment of {$2200.00} for a total of {$2400.00}. Midland has a credit of {$640.00}???, which is probably amounts the know they have not previously credited and are trying to cover up. Where is the {$2400.00} that I have been garnished for? Please also note that my YTD garnishment as of XX/XX/XXXX totals {$6600.00}, and Midland 's YTD application of funds only totals {$4400.00}. They have had plenty of time to credit these funds, but continue to play games with my money and further they have failed to provide me with the proof of my complete payment history which is most likely to cover-up for their misapplication of my funds. I am asking again for the complete payment history, and an explanation of the amount of daily interest accrual they claim I owe, and a calculation as to how they arrived at that figure.
Product: Vehicle loan or lease

Capital One Auto Finance calls me several times a day regarding a delinquent auto loan that is not mine. 

Capital One call back numbers are automated and require a loan number to gain access to problem resolution. 

I have no loan number, so the automated system bumps me out. It will not allow me request a person. 

Attempts to contact Capital One Auto via other phone numbers result in bumped calls, disconnects, and no resolution.

Capital One Auto continues to harass me even though I do not owe them money, and I have never had an auto loan with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX negligence has caused my credit score to drop dramatically. I contacted the company to update my automatic payment as I switched banking institutions and my file was not updated. Due to their negligence, I am at a higher interest rate with a mortgage loan. XXXX XXXXt referred me to XXXX XXXX in which they stated my account was sold and theres nothing they can do to update my file. Ive contacted XXXX XXXX and was working with XXXX XXXX in settling my balance with XXXX XXXX. I was advised that lending point was the reporter of my file and XXXX XXXX can not update my credit report. XXXX XXXX still showing a balance and monthly payment, in which it is affecting my debt to income. I am getting the run around and have disputed my file with Experian with no resolution.
Product: Credit reporting or other personal consumer reports

Company has been asked to remove XXXX from file as it doesnt not belong to me and debt is incorrect. Debt address does not match current address, previous address or school address. When told this company has refused to look into issues stating its my fault, when given proof as far as address company has refused to run personal investigation, when mailed letters requiring a signature that it was received company has also refused. Company has reported account as meeting FCRA standards and that is false as they have previously reported other accounts as meeting FCRA standards that were later removed. Its becoming clearer there is a discriminatory aspect being in place depending on who is running the company reports as some individuals dont view some reports as needing to be looked at. Company has had disputes ran on account for past XXXX months with no assistance or proper investigation
Product: Credit reporting or other personal consumer reports

I have adverse accounts on my report due to XXXX XXXX 
I sent a certified letter to Experian XXXX XXXX. 
Experian received it on XX/XX/year>. 
According to section 605C of the Fair Credit Reporting Act, Experian has to block this information from my credit report within four business days or at least contact me and let me know if there is a problem. I had heard nothing via email or mail from the company.

Experian is making everyday consumers that suffer from XXXX XXXX suffer more by reliving this experience over and over when I have to keep calling and wondering how my life will be altered by their negligence.
Product: Debt collection

My credit report shows alarming charges that's do no belong to me.
Product: Bank account or service

Chase Bank and Their Crooked Overdraft Policy The gov't should put a limit on the amount of overdraft fees able to be take a year by banks. They make policies that you can only get XXXX reversed a year. That is blatant robbery. They can take as many a year as they want but I cant appeal for any fees back? First of all, they are XXXX bucks ... XXXX? thats too much! Every time i know i may be over for the month, I move funds around to make it work. Chase bank could clearly see that I was moving funds from account to account and they still XXXX me. All their commercials are lies, they are n't gon na do XXXX to help you.. enjoy my extra XXXX bucks XXXX. Meanwhile, my skinny & poor college student XXXX wont eat this weekend. 

Regards, XXXX
Product: Debt collection

Received letter from XXXX XXXX at Jonathan Neil & Associates on XX/XX/2018 indicating I owed {$2400.00} in damages from a hit and run that I was not involved in and in a car I did not own. The letter was non-specific other than a date and dollar amount. There was no invoice or proof provided. The letter was not sent by certified mail. The letter was dated XX/XX/2018. The letter was postmarked XX/XX/2018. Six attempts were made to contact XXXX XXXX at the number provided on letter on XX/XX/2018 but there was no answer. A message was left requesting a return call to explain above information. A return phone call was received on by phone with XXXX XXXX on XX/XX/2018 from a blocked caller. The caller ID indicated Unknown. XXXX XXXX accused me of rear ending a car and they are seeking payment from a unspecified California association. I asked what is part of their information obtaining process and if a police report is a part of that. She indicated that they had it. I explained to her that I did not possess this car on the date that was indicated on the letter and the police report would indicated that I was cleared because I did not own the car. I inquired what bar associated they are affiliated with. I was not given a response. She said she was going through 100 pages. I  requested she call me back when she has all the facts because I was at work. XXXX XXXX told me that I was being snotty and that she was trying to help me. I made mention of them sending legal documents by certified mail as I received the letter XX/XX/XXXX and the letter provided only 7-days to respond. XXXX XXXX continued with derogatory comments and I told her i would be getting off the phone. I received, again, another call from a blocked number and caller indicated it was Unknown on XX/XX/2018, again, while I was at work. She was seeking payment for the hit and run she was accusing me of. I asked if she remembered the previous conversation we had. She said, how you sold it? I replied yes. She said she ddint have any proof of that. I indicated to her that I did not feel like she was legit and that I did not feel like she did her due diligence even if she is. I told her I was hanging up now. After the first call, I contacted my insurance company. I was instructed by a licensed agent in Oklahoma to not provide my insurance information and that it is the dealierships responsibility to transfer necessary documentation to the new owners. Below are the provided documents, including the copy of emails between myself and Sgt XXXX with the Hit & Run Division clearing me of any involvement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to a representative in the dispute department by the name of XXXX in regards to the investigation taken longer than the 30 days allowed by the CFPB. I informed XXXX that I did not receive the results to my dispute or an updated copy of my consumer report. I also explained that my complaint submitted through the CFPB is also still open. I asked XXXX to honor the fair credit reporting act and remove the accounts listed in my consumer report. XXXX stated that the dispute was completed on XX/XX/23 and proceeded to tell me what was deleted and what remained. he then stated that he could send me the results. I informed XXXX that I have no proof that this was completed in the time allowed. I explained that I was not notified via mail or through the CFPB of the results and because of that I would like for him to honor the FCRA and remove the accounts from my consumer report. XXXX, on a recorded line stated that Equifax will not be complying with the Fair Credit reporting act at this time and that all he can do is send me the information or I can call the creditors that verified accounts. I reminded XXXX that in order for me to make that call I would need the names of the companies that allegedly verified these account in front of me and since I did not receive these results in 30days I can't make that call. XXXX then stated that a letter was sent to me. When the tracking number for the letter was requested XXXX stated that he doesn't have one. I asked to be transferred and XXXX refused. A representative from Equifax stated that they do not honor the 30 day dispute rule under the FCRA in which they are governed by. The consumer reporting agencies have an obligation to act fair, equitable and impartial.
Product: Debt collection

Lexington law firm send me a letter saying I owe sprint XXXX and I've never had them before in my life
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX  XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$420.00} XXXX  XXXX XXXX Balance : {$2800.00} XXXX XXXX  XXXX Balance : {$420.00}
Product: Mortgage

Paid off mortgage in full on XXXX XXXX, 2016, received a deed of reconveyance which was incorrect according to the State of Alaska Recording office. The Recording office sent it back with instructions on how to do it correctly on XXXX XXXX, 2016. I have still not received the corrected deed of reconveyance from the mortgage company and neither has the recording office. It has been almost two months.
Product: Credit card or prepaid card

I took a loan of XXXX with Care Credit card to cover a dental bill. I was told I had a year to pay it off, after that I would be charge a 26 % annual rate. I thought it was alright. However, either I did not heard or I was n't told that that rate would be charged to the whole loan amount. I was under the impression that the rate was going to be applied to the remaining of the loan. In my case I was {$370.00} away from finishing. It does n't seem fair to pay XXXX more, now having a balance of XXXX. 

I consider unfair to pay such amount of interest rate, when the balance is so low. I feel like I hurried as much as I could to pay off the card, all for nothing. For many people, XXXX might be nothing. Not for me, and many like me that live check to check trying to keep my head over the water. 
I called the company on XXXX-XXXX-2017 at 1:4 aprox. I was not offer any solution. 
I know the return message will say that I am to blame. Fine. I insist, having paid 93 % of the loan means nothing to the bank.
Product: Credit card

I am a XXXX XXXX cardholder. With the merger with XXXX, XXXX offered me 30 % more points via an emial campaign if I converted my credit card airline miles over to XXXX points. I researched both airlines flight offers extensively. It was XXXX points or {$560.00} to get a round trip airline ticket from XXXX to XXXX on XXXX with my points. On XXXX, it was {$470.00} ( it did not give me a point option because i did not have enough points. ) Believing XXXX would give a fair and simliar value for my credit card rewards, I took advantage of the offer and converted all of my XXXX points to XXXX XXXX. XXXX XXXX is now charging me XXXX points for a round trip ticket from XXXX to XXXX. This is unacceptable, unfair and deceptive advertising practices and the XXXX XXXX credit card mileage conversion program should be investigated heavily.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went down to my local police station and filed a police report when I discovered accounts has been manufactured in my name. I had the police report stamped and I filed a repot with the FTC. In addition, I went and saw a notary and had all documents notarized. 

I submitted the documents/information to the bureaus and the unknown information remains on my credit an I have not received a new credit report to show the information was disputed. 

XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX Account Number XXXX US BKPT Identification Number XXXX XXXX BKPT Identification Number XXXX
Product: Debt collection

Furniture was leased with XXXX XXXXXXXX, advised me that i now owe 3 times what the furniture initially costs, even though payments have been made.