23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company violated my privacy per HIPAA regulations. They provided me a copy of a bill that contains the medical procedures I may have had. I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy. 

This company did not provide a copy of its surety bond as they stated in compliant XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to Equifax regarding an account being reported by XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX & XXXX deleted it from my credit report but Equifax failed respond to any of my complaints, ignored my request and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report and until this day the information is still being reported inaccurate and false information is being reported.
Product: Credit reporting or other personal consumer reports

I do not recognized and authorized these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I only have one name, one address, and one phone number.

Please remove these inquires and keep one name, one address, an one number. The credit bureaus did not do what I asked.
Product: Debt collection

Repeatedly called my cellphone before XXXX post and when I spoke with one supervisor about it, she thought it was funny but according to the last supervisor I spoke to, my account was never documented. Also called back to back on the same day leaving numerous messages one of them in a threatening manner.
Product: Credit reporting or other personal consumer reports

Credit Bureau Name : TRANSUNION Credit Bureau Address : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Your Date of Birth Your : XX/XX/XXXX Social Security Number : XXXX Date : XX/XX/XXXX Dear : TRANSUNION CREDITORS NAME AND ACCOUNT NUMBER : Account Name : XXXX XXXX Account XXXX : XXXX I am contacting you because I have found some information that is inaccurate on my credit report. 

I don't believe this account were ever paid late as it is reported on XXXX. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. 


After doing so please provide me with an updated credit report reflecting the changes. 

Thank you for your time, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. More specific in the events for unauthorized refunds after the completion of a service.
Product: Credit reporting or other personal consumer reports

Early warning is stealing my letters I sent and violating FCRA
Product: Credit reporting 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 XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights. 


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: Mortgage

NewDay XXXX Financial was working on a refinance of my mortgage. At the time I was no longer employed due to a XXXX Related & VA Established XXXX and Workers Industrial Insurance " Work-Related '' Injury that required XXXX surgery. My workers compensation biweekly payment ranged around {$2100.00} ( or as an annual income {$54000.00} ). This compensation would have continued until XXXX of XXXX venues occurred either I recovered from the surgery and went back to work or the surgery failed I was placed on XXXX a little higher then this compensation. 
Instead I was told that, while they would accept an individual receiving social security XXXX and VA XXXX they would not accept workers compensation payments, even if over {$50000.00} as an annual income. They stated that there was no guarantee that this funding would continue. Now I have a problem here as there is no guarantee on any of the funding I draw ; XXXX retirement can be discontinued by the federal government at any time ; VA XXXX could be cancelled at any time ; and my possible employment in the construction field could start and stop within a month if the client cancelled the project. There are no guarantees on anything but industrial insurance has a better control then all then others. There are specific conditions that have to be met to stop payment. So why was over XXXX of my total annual income essentially tossed out ...
Product: Credit reporting or other personal consumer reports

I have XXXX hard inquiries from some auto financing companies they ran my credit on XX/XX/year> without my permission..my credit report have 6 different banks that ran my credit score I never gave nobody permission to run my credit report I called them in I dispute them over the phone its still on my report its really hurt my credit can someone please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING COLLECTIONS ACCOUNT IS REALLY INVADING THE OVER-ALL HEALTH OF MY CREDIT REPORTS. THE ACCOUNT FOR XXXX XXXX, IN WHICH THE ORIGINAL CREDITOR IS XXXX IS DISPLAYING A BALANCE OF XXXX, IN WHICH THE ACCOUNT HAS BEEN OPENED SINCE XX/XX/XXXX. AFTER SEVERAL ATTEMPTS AT REMOVING THIS ACCOUNT SINCE XX/XX/XXXX, I FINALLY WAS ABLE TO GET THIS NEGATIVE ACCOUNT REMOVED BY XXXX AND XXXX. NOTHING HAS BEEN DONE OR SAID BY EQUIFAX. WHY HASN'T EQUIFAX DONE ANYTHING ABOUT THIS MATTER WHEN WE CAN CLEARLY SEE THAT THE OTHER TWO CREDIT BUREAUS FULFILLED THEIR TASK BY GETTING THE ACCOUNT REMOVED. I DEMAND TO KNOW THE REASON WHY THIS ACCOUNT IS STILL DISPLAYING UNDER EQUIFAX AND WHY HAVE THEY NOT RESPONDED BACK TO ME!!??? THIS IS REALLY IRRITATING MY LIFE-STYLE AND THE GOALS I HAVE YET TO ACHIEVE.
Product: Credit reporting or other personal consumer reports

I was genuinely shocked this morning to find inaccurate accounts on my credit report, and I have no idea why this has happened. I checked my credit report like I usually do, but this time there were discrepancies that just didnt make sense. I even refreshed my browser, hoping it was some kind of error, but the inaccuracies were still there. This situation has me really stressed, and Im asking that the documents Ive submitted be thoroughly reviewed so I can stop worrying about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed the following collection account on my EQUIFAX consumer credit report : XXXXXXXX XXXX XXXX XXXX for {$1500.00} This account was previously listed, and disputed, under a different company called XXXX XXXX XXXX ( see attachment ). I previously disputed ownership of that account and no valid documentary evidence was provided. If the credit reporting agencies have received NEW documentary evidence that reflects a valid debt I now owe this company with transaction history amounting to {$1500.00} made between me and XXXX XXXX, please provide me with such. 

Please note that copies of statements are not valid proof of an itemized payment history reflecting amounts and dates payments were made by myself.
Product: Credit card

I was offered a XXXX % cashback promotional rate from Discover Financial on my Discover IT credit card for all purchases made with XXXX XXXX from XX/XX/XXXX - XXXX/XXXX/15. I received cashback for XXXX of XXXX transactions and received e-mails XX/XX/XXXX and XX/XX/XXXX that I was being denied for the XXXX other purchases becuase they thought the purchases had contained gift cards. When I asked for them to clarify what I was being denied the XXXX % cash back rate for, I was told I needed to provide receipts for each purchase. This, weeks or months after-the-fact. There was no mention of receipts needing to be retained when the promotion was launched, or at all during the entirety of the promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted two written request for incorrect reported items on my credit report with Equifax and XXXX. I take my credit very seriously and I submitted a second written request to Equifax XX/XX/2020 requesting the removal of all negatively reported items such as XXXX XXXX XXXX in the amount of {$580.00} and XXXX in the amount of {$2100.00}. I also submitted a written request to XXXX requesting the removal of XXXX XXXX XXXX XXXX in the amount of {$6300.00} as well as multiple incorrect addresses listed under my credit profile for both XXXX and Equifax.
Product: Credit reporting or other personal consumer reports

Formal request via certified mail was sent to XXXX on XX/XX/XXXX to request a good will adjustment. See attached letter from XXXX XXXX XXXX. 

For reasons beyond our control, we could NOT adjust our bill payer payments to XXXX resulting in partial payments. Prior to XXXX 's security breach, we made overpayments to our XXXX account from XX/XX/XXXX through XX/XX/XXXX and NEVER had a late or delinquent payment. 

XXXXXXXX XXXX security breach occurred in XXXX and lasted for weeks. My wife contacted XXXX and explained our dilemma with the understanding that our telephone call on XX/XX/XXXX was noted with an extended grace period. We were surprised to find that the grace period was not extended and that XXXX falsely reported NO payments received in XXXX, XXXX and by the due date in XXXX. XXXX sent partial payments of {$40.00} in XXXX, XXXX and XXXX. Our account was paid in full as of XX/XX/XXXX. 

We asked XXXX to amend and provide a good will adjustment to Experian, XXXX and XXXX for the aforementioned reasons. 

On XXXX XXXX, XXXX @ XXXX, XXXX XXXX XXXX, XXXX XXXX offered to provide a one-time courtesy to amend our credit report if we provided proof that payment was initiated via Bill Payer on or before XX/XX/XXXX. Proof was enclosed via email ; attachement included voice-mail transcript from XXXX XXXX stating as such and bill payer payment made XX/XX/XXXX. XXXX continues to be evasive and disingenuous to resolving our request to addend our credit report. We would appreciate your help in resolving the issue.
Product: Checking or savings account

I was approved for a loan of XXXX and they said they would put a small amount in my bank to verify my account and I said ok and they did so I went and paid couple of bills and XXXX days later I looked at my account and it was negative XXXX called bank they had no info on it so I called XXXX XXXX and they said it was because I didn't send back but they didn't ask me to do I went online and was approved by speedy cash for XXXX they said they would put enough to clear up my account and that I had to send the rest back to raise my credit score so I sent back and then they didn't call me back until after the XXXX and told me I need to send XXXX to XXXX to bring my score up XXXX more point so they could put my loan in or they weren't going to honor cheek so that would put my account XXXX  and the reason for the loan was to pay past debt off so I could buy my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have tried multiple times with all 3 credit bureaus : XXXX, XXXX and Transunion to have the bankruptcy removed. The information is inaccurate and somehow, the Consumer and Bankruptcy is not mine. They are refusing to remove it to the point where I dispute and the next day they are reporting back they are not going to work it. Just recently I received a letter from XXXX on XX/XX/XXXX stating that they removed it. 

When I called them to confirm, the young lady told me that I have to submit the information back to the credit bureaus for removal. I did that and the next day they replied it was staying and the case was closed. 

Can someone please remove this inaccurate information along with the Consumer Report on file. The only thing they did was correct the name and removed the wrong one and took off XXXX XXXX. I told them in the past and even had fraud alert on my account and they did nothing. 


Thank you
Product: Checking or savings account

Contacted bank about monthly fee waive options. Qualified as monthly direct deposit of paycheck, gov't checks etc. 

Indicated I do my own payroll and pay myself. Told that I need a payroll company to direct deposit my pay ( check )? Hire a payroll company to do one payroll.
Product: Credit reporting

I use Experian and XXXX credit monitoring services and they have that my " Credit History is too short '' and that is hurting my score. My oldest account is 28 years old, my average account term, according to them, is ten years. I have numerous mortgages on properties that I have held for 15+ years, numerous credit cards that I have had for over 10 years, which I pay more than the minimum payment and all on time. I am not sure what they consider " aged accounts '', but by most standards my credit accounts are not " too short ''. I called Experian and they could not figure out why FICO considers my credit history to be " too short ''. They told me that FICO sends them that information. Instead of contacting FICO, I wanted to file a complaint as I am sure others are receiving the same status, if you will, of too short a credit history. I have excellent credit, but by FICO standards, I am just " good ''. There scoring models need to be reviewed so that it is fair for all and not something that seems to be arbitrary. 
Thank you and I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent complaint that i am a victim of identity theft and in return Experian accused me of being a credit company and or I didnt sent my own report. I My name is XXXX XXXX, and once again I am a victim of identity theft
Product: Credit card or prepaid card

Dear Sir/Madam, I purchased 2 airfare tickets for myself and for my wife to travel together on XX/XX/XXXX and travel date was XX/XX/XXXX from XXXX and airline was XXXX XXXX XXXX   XXXXXXXX charged me {$1600.00} for 2 tickets ( each one was {$810.00} ) and I have a proof of that from their website. I used my Citibank master card Unfortunately, because of Corona virus. XXXX of XXXX XXXX put banned on all pilgrimage travelers. I have the news proofs from XXXX  XXXX, XXXX XXXX and other resources news from XX/XX/XXXX. I called XXXX  but they had closed their call centers and no one was answering the phone. Till today, XXXX   don't respond. I couldn't open a dispute case with XXXX   However, I had gone ahead and open a dispute with Citi credit card. XXXX charged citicard twice for the amount of {$810.00} for 2 tickets. So, I end up opening 2 disputes with Citicard. I provided all the  evidences and Citicard disputed with the vendor and issued me a credit of {$810.00} only while all the evidences were the same for the 2nd dispute also. I called numerous times citicard services and explained and provided same documents over and over again but non of the dispute investigator paid attention on it and sticked with their one credit. I would like citicard to issue me the credit of my other portion of the transaction {$810.00}. Citicard is keep reviewing, closing and opening disputes but not paying attention and refusing me credit saying it is too old now. Kindly, help me out. I have all the detailed documents that I can provide. 
On XX/XX/XXXX. I called citicard and spoke with Citicard rep XXXX. She said she will ask her manager to reopen the case again. 

Here is citicard dispute # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion I have inquirys that was fraudulent they do not want to take it off
Product: Mortgage

I received a letter from Loan Depot offering a mortgage refinance. I called the company and spoke with XXXX XXXX who took my information and ran a credit report. He told me that I qualified for the mortgage and sent an email with rate and payment details. 

When I asked for a copy of the Good Faith Estimate and other Truth in Lending documents, XXXX XXXX said that Load Depot did not provide them unless I agreed to lock the rate, which would involve paying for an appraisal ( {$390.00} ). As I understand the law, the lender is required to provide TILA documents within three days of the application. I made the application to Loan Depot on XXXX XXXX. 

I subsequently made a second request for the disclosures and never received a reply. 

Contact information for the company is Load Depot, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX
Product: Credit card or prepaid card

A sales representative at XXXX XXXX opened up a new credit card for me with XXXX XXXX during the holiday season while I was shopping there either end of XX/XX/XXXX or sometime in early XX/XX/XXXX. I tried to payoff and close my credit card account because I decided I did not want another credit card and because on the first statement they sent me in XX/XX/XXXX they had already charged me a service charge of {$27.00} on top of the original balance for the item purchased of {$25.00} ( more than 100 % of the balance in less than a month! ). I called the number on the XXXX XXXX Account statement for the first statement I received with a statement date of XX/XX/XXXX in middle XX/XX/XXXX and was put on hold for over 20 minutes and when I reached a representative to pay the card off I was disconnected. I tried again and waited again and I was disconnected. I tried several times after that and was not able to get through. I was finally able to reach a representative on XX/XX/XXXX and paid off the balance at that time on the XXXX  XXXX credit card using my XXXX Debit Card attached to my checking account at XXXX in the amount of {$93.00} which included another {$38.00} service fee on top of the original {$27.00} service fee. I also canceled the XXXX XXXX credit card at that time and was given a confirmation # of XXXX by the online customer service rep. I then received a bill from XXXX XXXX in late XX/XX/XXXX with a due date of XX/XX/XXXX with a new {$40.00} service fee added on. This is all for the same account # XXXX that was supposed to have been closed weeks earlier under my name XXXX XXXX. I have tried logging on online and not been able to and had the same problems getting through on their phone # on their account statement XXXX. I believe this constitutes credit card fraud and they are playing inept in order to charge you exorbitant penalties and fees and will not allow you to pay off the balance or close the card.
Product: Credit reporting or other personal consumer reports

Title 15 of the United States Code ( 15 USC ) section 1681 outlines the right to rescind under the Fair Credit Reporting Act ( FCRA ). This provision allows consumers to dispute inaccurate or incomplete information on their credit reports and request corrections or removal of such information. The right to rescind ensures that individuals have a means to protect their credit information and financial reputation. 

I have uploaded information about this creditor AWA it was removed before and was put back on my credit profile by law that is illegal for them to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuse to remove items from my credit report that was due to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Mosaic company and cancelled my contract due to the XXXX XXXX XXXX never coming out to start the job. Mosaic ( The company ) and XXXX XXXX of XXXX home remodeling ( The XXXX ) both agreed to cancel the contract and not have it report to the credit bureaus. On XX/XX/2022 Mosaic has since reported the account to the credit bureaus ( XXXX, XXXX, XXXX ). The account is reporting as XXXX XXXX account # is XXXX and Account/loan # XXXX. 

XXXX XXXX opened the fraudulent account on XX/XX/2022. I have spoke with both the XXXX XXXX as well as the lender Mosaic and Mosaic assured me that this information would not be reported on my credit report and thatchy would cancel the contract. 

I spoke with XXXX XXXX ( XXXX XXXX ) over at Mosaic at XXXXXXXX XXXX XXXX XXXXXXXX and he provided me with a case # XXXX regarding the cancellation of this loan and it should have never been reported to the credit bureaus.