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

It is over 50Days that i disputed some items on my report as reported by your reporting Agency. i still do not have a response or report of investigation.

- Incorrect name - Misleading Also Known As Name - Incorrect and Misleading Current Address - Misleading Previous Address.

All the above and many more Unverified accounts that were not investigated or deleted if it was not investigated. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Product: Debt collection

On XX/XX/XXXX, I noticed my credit score had decreased by 66 points because of an unknown debt collections account, Kansas Counselors. The amount was {$1300.00} from a company I had never heard of, XXXX XXXX. I filed a dispute since I did not recognize either of these companies, and no prior effort had been made to collect this debt. None of my medical bills are ever that high since I have good health insurance coverage with XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, my dispute was denied by XXXX. I searched for Kansas Counselors online since their phone number was not provided to XXXX. Many XXXX Reviews call them a scam and accuse them of collecting on bills that had already been paid or were from different states people even lived in. I called them on XX/XX/XXXX, and they provided no information about my account other than it was from " XXXX XXXX XXXX. '' I asked them what it was for, what services were provided, and by whom, and they could not answer this information, which seemed like a scam. 

I called XXXX XXXX XXXX  and they had a past due bill for a visit to the XXXX I had on XX/XX/XXXX. Again, I had never heard from this company or any effort to collect this bill. This medical office billed separately from the hospital. I paid a {$350.00} copay to the hospital on my day of service. For whatever reason, XXXX XXXX XXXX had my health insurance information and did not bill them AT ALL. I asked them to adjust my bill with my correct information, and they said they wouldn't since it's been a year. I asked for an itemized list, but they also could not provide it. I called my insurance company and they said there was nothing they could do without XXXX XXXX filing the claim. 

Kansas Counselors is attempting to collect a debt that they know nothing about and can not validate. XXXX XXXX XXXX did not bill me correctly and sent me to collections. I still don't know what the physician bill was for. Anthem said they could do nothing without the medical office submitting a claim, which they refused to do. The man at XXXX XXXX was unhelpful, combative, and couldn't provide me with any information on what they were collecting on. I wish I had more information to upload, but my health insurance was the only company that could provide more details.
Product: Credit card or prepaid card

On XXXX XXXX I was charged three times for the same pair of shoes at XXXX XXXX. The card machine kept saying transaction not completed which is why I ended up swiping my card three times. One credit and two debit. I disputed the transactions as soon as I found out the purchases actually went through. I contacted netspend with XXXX XXXX  payment center on a conference call. The merchant notified netspend that none of the three transactions went through and that they were all declined. They even sent documentation to netspend that those transactions were declined. I was refunded {$110.00} for the credit swipe first since the transaction hadnt posted and a couple months later another {$110.00} for one of the debited transactions. However there is still one debited  transaction of {$110.00} that hasnt been refunded theyre saying they found no error in that transaction and I wont be refunded despite the talk, documentation, and letter they received from XXXX XXXX. Its been about four months now and I still dont have my money.
Product: Credit reporting or other personal consumer reports

I woke up to find wrong accounts listed on my credit report, and I am utterly confused. Ive always checked my report without issues, but this time, discrepancies appeared out of nowhere. I thought maybe it was a technical problem and refreshed my browser, but nothing changed. The errors remain, and I feel like I have no control. Please double-check the documents I provided so I can finally have peace of mind.
Product: Debt collection

The debt collector, Columbia Debt Recovery XXXX, XXXX XXXX, is trying to collect on a debt for an apartment rental that my family left from mid lease. The reason we left the lease early was due to an unsafe living condition that the landlord did not address. My family was threatened and intimidated by another tenant multiple times due to race. Threats were made directly to our XXXX XXXX XXXX daughter due to race. The landlords response was they would not do anything until there was a physical attempt to harm us be the other tenant. To keep our daughter safe, we moved out of the apartment. 
We have police reports on this manner as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX  XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Subject : My lender ( Flagstar Bank, MI ) refused to terminate my Private Mortgage Insurance ( PMI ) after I meet all conditions. 
I sent letters, e-mailed and called the Flagstar bank requesting for my PMI waiver as early as XXXX, XXXX. But my request has been rejected because I saw {$160.00} of PMI was still charged on XXXX XXXX, XXXX. I meet all conditions : XXXX payments have been made since the origination date of the mortgage. 
No monthly payments were more than 30 days delinquent in the last 12 months. 
No monthly payments were more than 60 days delinquent in the last 24 months. 
There is no late charge My Loan to Value ( LTV ), calculated by dividing the current principal balance ( {$290000.00} ) by the lesser of the original appraisal amount ( $ XXXX ) or the purchase price ( $ XXXX ), is 65 % now, far less than required 78 % or less. 
Hence, based on The Homeowners Protection Act of XXXX ( the " PMI Cancellation Act '' ), the lender must terminate my PMI automatically on the date when my loan balance reaches 78 % or less of the original value of my home. But they refused to do so, let me know if you can help and the quote. 
Thanks very much for your time, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I had a problem with PHH mortgage last month with holding my money in a suspense and file a complaint ( XXXX ) with you and that was resolved. Still wonder how and why I was charged interest since they had my money since XX/XX/2019 and didn't apply it to my loan until XX/XX/2019 when I got your company involved. But I was told told that I would have my excess money totaling {$290.00} refunded within 15 days and still haven't received it. So on XX/XX/2019 I acquired on their website about this issue. So this morning XX/XX/2019 I went to check my account on their website and it seems my account is disabled and I can not get in to check on my account. I feel this company really tries to not be consumer friendly at all and very dishonest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an elderly lady who doesn't check my credit report a lot but when my child showed me how I realized someone rented an apartment using my name, The name of the creditor is XXXX XXXX XXXX they are on my credit report 3 times with a total debt of XXXX which is not mine. Also there were several hard inquiries on my report XXXX  XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/2023, I paid for a room at the XXXX XXXX XXXX XXXX, NC, XXXX through XXXX. I have attached the first CFPB complaint which was closed with nothing being done as of this date. CFPB Complaint # XXXX was also closed with nothing being done as of this date. The reason XXXX ( XXXX ) separate complaints were filed was this writer failed to include Bank of America in the first complaint so I filed a separate complaint. Both complaints were closed with no outcome and I have not received a refund from either, Bank of America, XXXX XXXX, or XXXX.
Product: Debt collection

I pulled my credit and found a collection from XXXX XXXX XXXX, it states that the orignal creditor is XXXX XXXX XXXX. I do n't know who XXXX XXXX is, or the XXXX XXXX is. I have never received paperwork from XXXX XXXX XXXX, and I tired to reach out to them, find out about the debt. They just kept telling me its from the XXXX XXXX, and I need to pay it. I tired to push for more information, so I can put together a validation letter. They wo n't give it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX I had some issues with my income being affected by the COVID-19PANDEMICSHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX XXXX XXXX  XXXX XXXX account is reporting 30, DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to pursuant to FCRA 605B ( 15USC 1681c-2 ) that you the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at : XXXX XXXX on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX with account number XXXX XXXX XXXX XXXX  on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX on XX/XX/XXXX with account number XXXX XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX on XX/XX/XXXX with account number XXXXXXXX XXXX on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with account number XXXX XXXX on on XX/XX/XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX with account number XXXXXXXX XXXX  on XX/XX/XXXX with account number XXXX XXXX on XX/XX/XXXX with account number XXXX XXXX XXXX on XX/XX/XXXX with account number XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with account number XXXX and these accounts have been placed in collections. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items, I do not recognize the aforementioned accounts, collections and hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my credit report were NOT opened, made or initiated by me. All of these accounts, collections, and hard inquiries are a result of identity theft and fraud, I have attached a copy of the 3 FTC Identity Theft Criminal Complaint numbers ( XXXX ) ( XXXX ) and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are a result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) I request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that the Experian credit reporting agency block all of the accounts, collections and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me vial email to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX XXXX XXXX with Wells Fargo. On XX/XX/2017, I noticed an errors on my payment history and has not yet be resolved. I just check my credit report recently and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. This is affecting my credit and I would like this resolved immediately. I called Wells Fargo but they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help and have done nothing to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I did not authorize the following inquiriey : XXXX XXXX XXXX via XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX 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 attempted on numerous accusations with Experian and   XXXX   XXXX   XXXX   to dispute a file on my credit report that has been inaccurate for some time now. They suggested I get affidavit which I provided that, as well as a police report ... I sent a affidavit approximately over a month ago and sent ANOTHER ONE and still the credit bureaus nor the creditor has removed the file and I have provided every type of documents needed to prove that the account  XXXX  for  XXXX  is not mine. Its been taking more than 30 days and still no action.
I want to report this matter as in hopes you guys can speed up the process as I am trying to buy a home and its affecting my score.
<P/>
Thank you and enjoy your day..
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inquiries on my credit report that I believe are not legitimate. After reviewing my credit report, I noticed several inquiry that I did not authorize or recognize. It seems that someone may have used my personal information without my consent to initiate this inquiry. 
I kindly request that you investigate this unauthorized inquiry and promptly remove it from my credit report. I have included a copy of my credit report highlighting the inquiry in question for your review. 

This inquiry is incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit card account with USAA XXXX XXXX as 30 days pass due, which is inaccurate. 
Date : XX/XX/XXXX my auto loan account with USAA XXXX XXXX as 30 days pass due, which is inaccurate. 
Date : XX/XX/XXXX 2019
Product: Credit reporting or other personal consumer reports

I am writing to provide an update on my ongoing efforts to remove this charge off account listed on my credit report. Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to resolve this matter. 

I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address this issue. However, to my dismay, the account remain on my credit report, negatively impacting my creditworthiness and financial standing. 

This persistent issue has caused significant stress and hardship. It is imperative that these inaccuracies are promptly corrected to ensure the fair and accurate reporting of my credit history. With this, I am asking for your assistance to remove this account in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re- verify each of these items, and that the inaccurate/fraudulent items be deleted from my record. The following Items are Not Mines/Identity Theft and it appears on my Equifax, XXXX, and XXXX Credit Reports . Also, I have been a victim of the Equifax data breach. All is being investigated by the FTC, According to FCRA 605B, this information must be blocked immediately until the investigation is over. 

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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intentness to my personal credit report. I am frustrated because the inaccurate items are still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that these accounts be thoroughly investigated and updated for proper and legal accuracy. Please fix the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 designed 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 payment due date. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXXXX
Product: Credit card or prepaid card

I had a Citi XXXX XXXX XXXX XXXX credit card before, and I called Citi last XXXX and did a product change to Citi XXXX credit card. I was told that all points earned from XXXX XXXX XXXX XXXX card needs to be redeemed or transferred out before 90 days after the product change, otherwise they will be forfeited. I am aware of the policy, so no problem. 

After that, I tried to figure out the exact amount of points which would be forfeited so I can use them. Since all my credit cards are linked to the same XXXX account, I couldn't find anything on the website, so I called XXXX customer service, and asked the question. I was told the amount was XXXX thousands-ish points, so I transferred XXXX points out. 

Then coming this XXXX, suddenly I found out that I lost XXXX points from my XXXX account. I called their customer service, and was told the points were forfeited because of account closure. I told them the whole story, and insisted to talk with a supervisor on this. Since then, I've had multiple cases open, and XXXX of the supervisors was very friendly and tried to help me reinstate the points, but couldn't do it because of access limitation. 

I called them today again for my ( probably ) third ticket on this. ( Case number XXXX ) The representative told me she understands my situation and was very sorry, but the team handling my case wouldn't reinstate my points for me. The points worth at least {$1100.00}. 

In summary, I did everything right within my ability, but lost my XXXX points because XXXX  customer service told me incorrect information.