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

On XX/XX/XXXX I reached out about the inaccuracies on my credit report caused by XXXX  XXXX XXXX I will be providing proof that your company is reporting inaccurate information on my report on all three credit bureaus I dont understand how this is coming back verified when none of the beaurus match across the board Im extremely upset and this is causing my life to be affected tremendously please remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX medical collection are reporting under my equifax credit file, these irrelevancies i never had, these are collection that do not belong to me i have filed a police report and the FTC report, i will be attaching these documents, please find attached. 
i have also disputed these inaccuracies through equifax but they have not been able to help me as always never helpful. i have medical and medicare i never pay for any medical bills, therefore these are inaccurate and fraudulent, per HIPA and the FSCPA you are not permitted to report these inaccuracies on someones credit file, whether belonging to them or not. have these fraud and wrongful reporting removed or you will be hearing from my lawyers. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the rights FCRA, My rights have been violated by the 3 credit bureaus. Equifax, XXXX, XXXX. For the past year now XX/XX/2019. There has been inaccurate information placed on my credit file. Account information inaccurate, Old fraudulent debt reported has new. Between XXXX, XXXX, XXXX. I disputed 3 collection agency with the 3 credit bureaus. XXXX XXXX, XXXX XXXX. ALSO XXXX XXXX XXXX. Two which were medical debt that was not mines. Credit reporting agency allowed these collection agency to report inaccurate information, I send letters in for validation. These agency violated HIPPA. They violated my rights under FCRA. In XX/XX/2019 I sent in Proof of these violations to the 3 reporting Agencies. After a few weeks they deleted this items off of my credit report. I have all Proof and paper work. As of XX/XX/2019 Equifax, XXXX, XXXX, has allowed these same collection agencies to report inaccurate information on my credit file as New! While I'm proceeding litigation. This has caused my credit score to drop significantly. This has cause so many damages under FCRA, it has also caused me and my family distress. I have all of my paper work together along with proof of inaccurate, on all of my credit file. Under FCRA Part ( A ) ( 5 ) ( B ) ( ii ), Also Under FCRA Section 611.
Product: Credit card

On XX/XX/2023, I erroneously made a {$3500.00} payment to my Capitol One account. I requested a check for the overpayment of {$3100.00}. My account was frozen a few days later. Capitol One requested a copy of my bank statement, which I found strange. My account is still frozen. Why do I have to provide Capitol One with my personal bank statement?
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX I am who I say I am and no third party is involved in submitting this complaint. 

today ( XX/XX/2021 ) I entered into a consumer credit transaction with Truist Bank d/b/a Lightstream to use my right to extend credit for personal and household purposes. I understand that Credit is a right pursuant to 15 usc 1602 ( f ) and I exercised this right in good faith when I completed the credit application and this denial letter constitutes discrimination under 15 usc 1691 ( a ) ( 3 ) and Truist Bank d/b/a LightStream also willfully and knowingly gave me false and inaccurate information for giving me an adverse action in an extension of my own credit as a consumer and they can now be held criminally liable pursuant to 15 usc 1611 and can be fined up to {$5000.00} or imprisoned not more than one year or both.
Product: Checking or savings account

I would like to bring to your attention a matter of utmost importance regarding unauthorized purchases amounting to {$630.00}, which were observed on my Fulton Bank card during the period from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon promptly noticing these charges, I responded as soon as possible, given that they were unrecognizable to me. 

To my concern, I subsequently received a denial letter, asserting that no error had taken place. This statement contradicts the events as they occurred. I wish to express my deep disappointment in the outcome of the denial, as it does not align with the circumstances surrounding these unauthorized charges.
Product: Credit card or prepaid card

I purchased a ticket for a flight to XXXX from Minnesota XXXX. Flight was for XXXX. Due to the omicron surge XXXX XXXX XXXX  I was unable to keep my travel plans. I contacted XXXX immediately and was told my flight was completely nonrefundable despite the extenuating circumstances and literal doctors note. I have contested the charge with my credit card company because I did not receive the service and shouldnt have to pay, and they keep siding with the airline and being unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

my account was closed without receiving notification. Making payments on time. 
i have been a valuable customer for many years
Product: Credit reporting

I had a XXXX XXXX XXXX with an outstanding and way overdue balance. When I received a large check from my employer upon my retirement several months ago ( XXXX 2015 ) I contacted XXXX in XXXX of 2015 and spoke with a young lady named XXXX XXXX in the Collections Department. I explained to her that I had come into some money and wanted to settle with XXXX as it is and was the only negative item on my credit report. She pulled up my account and said my outstanding balance was {$920.00} which included several layers of late charges and penalties. She gave me a figure of {$780.00} and explained that XXXX would accept that amount as payment in full for the debt. I immediately paid that amount through my credit union on line. I received a letter from XXXX on XXXX XXXX, 2015 stating that XXXX had received the payment on XXXX/XXXX/15. She also stated that the pertinent information would be sent to the reporting agencies to reflect my payment to close the account. Apparently this was n't done -- or not done properly because it is still affecting my credit score. Please look into this and see what can be done to alleviate the situation.
Product: Mortgage

I have two complaints against XXXX XXXX XXXX XXXX, XXXX ) of Mortgage Advisors/Powered By Rp Funding. The first is that she misrepresented a document she had us sign that was actually a rate lock. We were 60 days from closing and made it clear to her that we did not want to lock the rate. When we inquired about the document via email on XX/XX/XXXX, she stated that it was " just for their records '' and not a rate lock. This, in fact, was a rate lock and because we had signed this misrepresented document, our rate XXXX XXXX of a percent higher than it would of been if we had not signed the document. She stated this was in order to " transfer the rate lock ''. 

The second and more pressing issue is they are refusing to transfer the rights of an appraisal to a new lender that I'VE PAID FOR. After they jerked us around and tried to increase the rate 1.5 % higher than everyone else, we switched lenders. XXXX XXXX is refusing our attempts to transfer the appraisal over to the new company and keeps differing to a manager, stating the manager has to be the one to do it. Both myself, my wife, our new loan officer, and real estate agent have requested this manager 's contact info the past three days ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) via phone calls, emails, and text messages, since we've never heard from " this manager '', and XXXX is refusing to provide it. XXXX is now refusing our loan officers calls. This appears to be a petty attempt to get back at us for not closing the loan with them. RP Funding and XXXX XXXX have been an absolute nightmare to deal with. They've been purposefully confusing, uncooperative, and retaliatory during this whole process. I have another loan through RP Funding and they have now lost this customer for life.
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 a account without my written instructions 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.
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. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, has violated my rights. 

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.

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.
Product: Debt collection

This company has been trying to collect a debt that I do not owe or have knowledge of. Several of my consumer rights has been violated including calls at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, XXXX. 
These companies are continuing to report derogatory marks on my credit report without consent. Also, the government closed these accounts and they are still reporting. Remove these accounts immediately. Ive sent debt validations as well as affidavits of truth and still no response in the 30 days time. Under section 3.1.1 Furnisher Incentives and Disincentives, Reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary, so please remove these from my report.

US DEPT ED {$3100.00} US DEPT ED {$690.00} US DEPT ED {$1700.00} US DEPT ED {$1700.00} US DEPT ED {$4600.00} US DEPT ED {$3300.00} US DEPT ED {$4800.00} US DEPT ED {$3100.00} US DEPT ED {$4900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE HAS BEEN A STUDENT LOAN ON MY CREDIT REPORT FOR SEVERAL YEARS. XXXX XXXX XXXX. AFTER TAKING CHARGE OF MY CREDIT REPORT I DECIDED TO START REQUESTING INFORMATION ABOUT THIS STUDENT LOAN DUE TO THE FACT IN XX/XX/XXXX I WAS XXXX AND I SIGNED UP FOR COLLEGE AT XXXX XXXX XXXX XXXX AL. I STARTED OR ENROLLED IN XX/XX/XXXX I WENT TO COLLEGE FOR ABOUT A MONTH AND A HALF BEFORE DROPPING OUT OF SCHOOL. I NEVER RECEIVED ONE CHECK FROM THAT SCHOOL. AFTER MONTHS OF INVESTIGATING ON MY OWN THERE ARE SO MANY DISCREPENCIES THAT DONT ADD UP. SO MUCH INCORRECT INFORMATION. AND I HAVE SINCE FOUND OUT THAT THIS COLLEGE WAS STILL GETTING CHECKS FROM STUDENTS AFTER THEY HAD DROPPED OUT. THESE ARE THE DISCREPENCIES THAT WAS FOUND ON MY NSLDS.ED.GOV ACCOUNT 1. ) IT IS SHOWING MY LOAN PERIOD BEGIN DATE ( STARTDATE ) AS XX/XX/XXXX WHICH SOUNDS ABOUT CORRECT BUT IT IS SHOWING AS OF XX/XX/XXXX I  GRADUATED. THIS WAS A 2 YEAR COLLEGE FOR A XXXX DEGREE IN XXXX XXXX. NO WAY POSSIBLE I GRADUATED IN XX/XX/XXXXWHICH MEANS I GRADUATED IN 4 MONTH S 2. ) SHOWING AS GRADUATED AND I ONLY WENT FOR ABOUT 1 MONTH AND 2 WEEKS 3. THE GRADUATION DATE EFFECTIVE XX/XX/XXXX IS ACTUALLY WHEN THE SCHOOL CLOSED MY ACCOUNT OUT AND ENDED MY ENROLLMENT 4. NEVER CASHED OR SIGNED A CHECK FROM XXXX XXXX XXXX XXXX AL SEE ATACHED PAPERWORK SHOWING WHERE SCHOOL FRAUDED THE US DEPARTMENT OF EDUCATION OUT OF MILLIONS OF DOLLARS.
5.I REQUESTED SCHOOL TRANSCRIPS SHOWING ME WITH ONLY 20 HR 6. I FILED A COMPLAINT WITH THE ALABAMA XXXX XXXX XXXX DUE TO DISCREPENCIES AND FRAUDULENT ACTIVITES, INACQUERATE INFORMATION ON THE NSLDS.ED.GOV IT SHOWS THAT THERE WAS ANOTHER LOAN IN XX/XX/XXXX TAKEN OUT BUT IT ALSO SHOWS I GRADUATED IN 4 MONTHS XX/XX/XXXX. 7. THIS COLLEGE HAS DAMAGED MY CREDIT FOR YEARS REPORTING FALSE INFORMATION TO THE NSLDS.ED.GOV THIS SCHOOL DEFRAUDED ME AND HAS RUINED MY CREDIT.
8. PLEASE REVIEW INFORMATION THOROUGHLY AND AFTER READING PLEASE REMOVE THIS FROM ALL 3 CREDIT BUREAUS .I WILL ALSO MAIL A COPY TO ALL 3 CREDIT BUREAUS ASKING REMOVAL FOR DISCREPENCIES AND FRAUD.
Product: Debt collection

On two occasions I was sent a bill ( XX/XX/22 ) and then a final notice ( XX/XX/22 ) from XXXX XXXX XXXX XXXX. After receiving the first bill on XX/XX/22, I called them and had my XXXX XXXX XXXX representative, XXXX, on the phone. It was determinedthat I was billed for three claims with the same tax ID and two different doctors. Not only that, but the claim was for a hospital procedure when the actual procedure was done in a doctor 's office. 

Today, XX/XX/22, I received a debt collection bill from iQuantified Management Services stating that I owed for this exact claim. I then called XXXX XXXX XXXX XXXX on the phone for the THIRDtime. I spoke to a manager named XXXX, who went back over the claim that is in need of correction. I even provided him with the corrected claim number ( XXXX ) that XXXX XXXX XXXX XXXX provided me with after my very first call on XX/XX/22 and then again after the second call on XX/XX/22, when I spoke to a man named XXXX XXXX. XXXX XXXX XXXX XXXX never fixed the claim, billed me incorrectly twice, and then sent it to a collection agency. I find these practices unethical and therefore I reported them to the XXXX XXXX XXXX and to you, the Federal Consumer Affairs Bureau of Consumer Protection. 
As a final note, XXXX, the manager who I spoke to today, on XX/XX/22, stated that he is calling the collection agency and escalating this to his account management team who will, in turn, call my insurance. He assured me that I would not see another incorrect bill or a bill from your collections agency. If I see another bill, I will be seeking legal action. 
Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I have 3 charges on XX/XX/XXXX, {$89.00}, {$34.00}, {$34.00}, and I got a refund {$49.00}, {$30.00}, leaving a credit due me of {$78.00}. No one at Capital One is addressing this. They keep systematically not addressing the concern.
Product: Mortgage

I dispute roughly {$2000.00} in charges added to the payoff. These were for foreclosure procedures entirely the result of the loan servicer 's failure to provide regular statements during the entire term of the loan and it's inability of the company 's call centers to explain the charges. 

A compromise offer was made and repeated in a previous CFPB complaint. The companies response implied the matter could be discussed by calling a phone number included in the response. That number reached the same call center whose personnel are unauthorized and unqualified to negotiate. 

The company 's response avoided the issue of the settlement offers. Instead, it used the response as a ruse to close the complaint and move swiftly within days to foreclose without notice received. Surely this kind of extortion must be illegal. 

Throughout the dispute I have been misinformed as to who owns the lien and who I might reach for oversight to correct the malfeasance of the loan servicer and its foreclosure agent. 

This is a new complaint against actions the company took immediately after its misleading response to a previous complaint, as well as its failure to address the central issue or to defend the malfeasance that led to the charges in dispute.
Product: Payday loan, title loan, or personal loan

Ovation Services billing statement clearly states that additional payments that are received for the principal only will be applied to the principal in its entirety unless their is a balance of fees and late charges. When I sent in an additional payment to be applied to the principal only, I had no late charges or fees, so therefore all of that additional payment should have been applied to the principal of the loan. Ovation Services applied part of the additional payment to the interest only and applied the balance of the additional payment toward the principal. On ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, are some of the dates that I mailed off a check to Ovations Services. These checks were additional payments that I had requested the amount to be applied fully to the principal on my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address is XXXX XXXX XXXX, XXXX, SC XXXX and the CORRECT Address is XXXX XXXX XXXX, XXXX XXXX GA XXXX. I am also showing an incorrect EMPLOYER of XXXX XXXX that needs to be deleted. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to remove a legally XXXX debt from my credit report, which continues to negatively impact my creditworthiness. My lender, XXXX XXXX XXXX XXXX, issued a XXXX Cancellation of Debt for this account, which means the debt was legally canceled, and I no longer owe it. Despite my formal dispute and supporting documentation, Experian has refused to remove the negative reporting. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681s-2 ), credit reporting agencies must ensure that information on consumer reports is accurate and up to date. 

Once a XXXX is issued, it legally cancels the debt, meaning no further collection or negative reporting should be permitted. 

Experians failure to remove this account constitutes inaccurate credit reporting, which violates my consumer rights. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and a fraudulent account appears on my credit files. I have reported this account to all necessary authorities and XXXX and Equifax are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.
Product: Debt collection

Mi beb tiene medicare yo desde que llegu aqu aqu a Raleing en el 2022 con ella de XXXX  meses de XXXX  siempre tuve mi tarjeta de seguro de Wellcare y asista a mis consultas en el pediatra el Western Wake Pediatrics con el Dr Marchi Lpez Telf +XXXX XXXX XXXX direccin XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX, y presentaba mi tarjeta todo bien hasta el ao pasado aproximadamente en noviembre diciembre o enero no recuerdo me llaman y me dicen que tengo una deuda de XXXX y si no lo pago mi beb el XXXX  de enero tena una prueba de fuerza de sus XXXX  aos que le tocaba no se la iban hacer sino pagaba o haca un plan de pago, le dije no trabajo ella tiene medicare y me dijeron que para las fechas que fuimos ella tena XXXX  HEALTH no Wellcare por tanto ellos no trabajan con ese seguro y se dieron cuenta ahorita un error de ellos no mo y entonces no podan aceptarle el pago a ellos, mas sin embargo yo comuniqu con XXXX  HEALTH y ellos se comunicaron con ellos con la financiadora de ellos le explicaron cmo podan hacer ellos llamando a medicare para desbloquear no recuerdo el trmino y aceptar el pago o porque ellos no trabajan con esa red . Ms sin embargo no les import me enviaron a Colettion me daaron mi crdito ahora eso es perjudicial para m para luego rentar etc soy madre soltera nia con condicin, es injusto mi hija tiene medicare yo no tengo porque pagar nada por favor aydeme .. la compaa de Colettion se llama KLS FINANCIAL SERVICES
Product: Debt or credit management

XXXX XXXX XXXX Account info Account name XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XXXX Status Collection account. {$740.00} past due as of XXXX XXXX 
Status updated XX/XX/XXXX Balance {$740.00} Balance updated XX/XX/XXXX
Product: Debt collection

On approximately XX/XX/XXXX I noticed that my check was being garnished. Therefore I did some investigating and contacted my job to see why my check were short. I was informed that my checks were being garnished by a debt collection agency named credit acceptance. Credit acceptance did not properly notify me that I was going to be served in court for a debt that Im sure doesnt belong to me. Im a single mother with a XXXX year old child and I also reside in my own apartment. My checks are only {$900.00} dollars before the 25 % garnishment. My child and I can not survive bringing home checks with {$600.00} every two weeks.