23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2021, I purchased a XXXX  for 6 Non-invasive XXXX XXXX XXXX XXXX XXXX from XXXX XXXXXXXX XXXX in XXXX, VA, which cost {$190.00} after a XXXX  discount. I attempted to contact them by phone several times and finally reached them 2 weeks after purchasing. Upon contact by phone, I learned that the XXXX  only impacted the XXXX XXXX of XXXX and due to XXXX XXXX I XXXX XXXX that was beyond the XXXX XXXX so the treatments would not work for me. I contacted XXXX  by phone but an automated message veers customers to an online chat. I submitted a request for a refund per an inquiry form on the XXXX  webpage 3 times between XX/XX/XXXX and XX/XX/2021. After still not receiving a refund back to my original form of payment by XX/XX/2021, I filed a dispute with my credit card company, Capital One. I have since received a letter from Capital One stating that per the merchant, I never cancelled the order which is false. I cancelled the order on XX/XX/2021 and many more times after that via the XXXX website. I could not reach the merchant for weeks after purchasing the XXXX  and when I did, I discovered the service was not conducive to my needs. XXXX has refunded the & XXXX in XXXX XXXX  and not to my credit card as I have asked continually. My credit card company has not refunded the XXXX back to my credit card company and has claimed that I didnt cancel the purchase although I did several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  reports Amazon/synchrony accounts XXXX and account number XXXX as the only negatives reporting on my good credit. 
Both accounts report seriously derogatory information that is harming me in the approximation of a XXXX fico point loss. This is the unconscionable travesty put forth by both the repository and the original creditor. The balance history at the time of the lates could only make sense to a XXXX XXXX. This account has been disputed many times and comes back verified in a reckless uncaring automated fashion. Even though they rely on the FCRA AS THE SOURCE REQUIRING ACCURACY THIS ACCOUNTS ( S ) HAVE BEEN INACCURATE ALWAYS. 
THIS NEGATIVE IS THE SAME ACCOUNT DUPLICATED REPORTED WITH TWO DIFFERENT NUMBERS BUT SAME ACCOUNT OPENING DATE. THE NEGATIVE PAYMENT HISTORIES ARE CLOSE BUT DO NOT MATCH. THEY, THE REPOSITORY HAVE DOUBLED THE DAMAGE ON AN ALREADY ERRONEOUS ACCOUNT BY REPORTING THE SAME ACCOUNT TWICE.. A DUPLICATE WITH CHANGED ACCOUNT NUMBERS AND LATE PAYMENT HISTORY THAT ARE SIMILAR BUT NOT THE SAME. 
YESTERDAY, THIS ACCOUNT WAS DELETED BY XXXX  AND MY ACCOUNT SHOT UP XXXX FICO POINTS. XXXX  DELETED THEIRS ABOUT A YEAR AGO. THIS ACCOUNTS, IN JUSTICE, SHOULD BE REMOVED TODAY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the XXXX XXXX and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 

For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Currently I am reinstating my dispute. The following account is inaccurate : XXXX XXXX XXXX - The date of last activity is inaccurate. Furthermore, i have never been contacted by this company about the debt they claim i owe. 
2.XXXX XXXX - I do n't remember having a charge-off. This account shows a balance as well. 
3.XXXX XXXXXXXX XXXX This account is reporting inaccurate. 
4.IXXXX XXXX XXXX - I have never done business with no have i been contacted by this company. 
XXXX. XXXX ( multiply accounts ) I have never gave this company permission to my medical information. How they have my information is clearly against my Hippa rights. I would like a medical release form bearing my signature or remove these accounts at once. 
XXXX. XXXX XXXX XXXX This balance and date of last activity is incorrect. 
XXXX. XXXX XXXX XXXX XXXX multiple accounts ) My loans have been consolidated and refinanced. I am not sure how this company is constantly flagging my accounts as late and negative. Please remove these accounts. 

Please get back to me. If, for some reason, you feel that you will not process my dispute after I have provided you sufficient proof of my identity, then I have no choice but to file a complaint with the XXXX, CFPB and attorney generals office.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were fraudulent inquiries were not made by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

In XX/XX/2016, I returned my leased Lincoln XXXX to the dealership at the end of my lease term. At that time, I provided the dealership my forwarding address as I had moved since signing the lease. I was told that my address would be communicated to the financing arm of Lincoln Automotive XXXX a subsidiary of Ford Motor Credit. ) I was not advised of any additional fees or costs owed by me at that time. 
Months passed and I received absolutely no correspondence from Lincoln/Ford. 
Much later, I became aware of a negative mark on my credit report due to a charged off account from Lincoln Automotive Financial. They had charged me, without notice, for excessive wear and tear and fees on my lease but had not sent any notice to the address I had provided. 
I would, of course, have paid these fees in a timely manner as I had always made my lease payments, if I had been notified and the added charges and fee breakdown been provided to me. 
I can only suspect that any written notification of fees was sent to a wrong address. 
I ultimately paid the outstanding fees but the very damaging mark remains on my credit report. 
This was a direct result of poor information management and communication on the part of Lincoln and I have repeatedly attempted to directly address this with the company. 
I request that the account be removed from my credit report.
Product: Mortgage

I was affected by the recent Federal Government Shutdown that lasted 35 days. I had no income coming in at all, all my expenses have became delinquent. I recently requested mortgage assistance with my mortgage servicer Caliber Home Loans several times for several months to bring my mortgage current and keep my home. I have remitted mortgage payments by XXXX XXXX and my payments were rejected by Caliber Home Mortgage and returned to me. As of XX/XX/2019 I have resubmitted my request for mortgage modification with financials.Received correspondence from foreclosure attorney dated XX/XX/2019 XXXX XXXX XXXX foreclosure attorney stating my property is set for property foreclosure sale XX/XX/2019. The deliver notice for the certified letter XXXX XXXX XXXX was delivered by mail XX/XX/2019 was available for pick up post office XX/XX/2019 I wasn't given a 30 business days notice excluding weekends and holidays as required by Tennessee State Law. Tennessee Code Annotated T. C. A. 35-5-107.
Product: Checking or savings account

I started banking through credit karma when they introduced their instant karma feature. On XX/XX/XXXX at approximately XXXX I received an email stating, " We noticed some new activity on your profile and are reaching out to ensure the security of your account. Please provide a front and back copy of a valid government issued photo ID along with a statement copy of the external linked account ending in XXXX. Please ensure the statement of the external linked account shows the account owner 's Name. 
We apologize for any inconvenience but this is necessary to maintain the security of your account I submitted the proofs that day. It is now XX/XX/XXXX and Everytime I call their customer service all they say is it's been escalated and being reviewed. Our specialized team is reviewing everything. When I ask to speak the the specialized team they say they only communicate through email. I still 12 days later have not heard a single word from this so called specialized department. They will not give me any information as to why my account was locked or when it could be released.
Product: Mortgage

I INHERITED THE PROPERTY. I WENT THROUGH THE PROBATE MATTER JUST AS SPS STATED I NEEDED TO DO. I ASKED FOR PAYOFFS AS THE PAYOFFS EXPIRE EVERY 10 DAYS. MY LOAN IS APPROVED AND WITH THE TITLE COMPANY FOR RECORDING WITH AN UPDATED PAYOFF DEMAND PENDING TO RELEASE THE LOAN TO RECORD. THIS MORNING I SPEAK WITH SPS FOLLOWING UP WITH THE PAYOFF DEMAND AS I WAS ASKED TO PROVIDE AUTHORIZATION AND TRUST DOCUMENTS, WHICH I DID, AND THEY TELL ME THEY SOLD MY HOME. THEY INFORM ME THEY SOLD MY HOME. I ASKED WHY? NO CALLS WERE MADE TELLING US OF THIS SALE DATE, NO NOTICES WERE PLACED ON MY HOME TELLING ME ABOUT A SALE DATE. I HAVE THE FUNDS TO PAY THE LOAN OFF I BEEN WAITING FOR THE UPDATED PAYOFF DEMAND. THE DEMAND I RECEIVED EXPIRED ON THE XXXX OF THIS MONTH AND THE TITLE RECEIVED MY LOAN FOR RECORDING ON THE XXXX OF THIS MONTHS. I HAVE BEEN ASKING FOR AN UPDATED PAYOFF DEMAND AS OF THE XXXX AND I UNDERSTAND IT TAKES TIME TO IMAGE AN AUTHORIZATION AND PROCESS A REQUEST BUT IF THERE WAS A SALE DATE ON THE PROPERTY I SHOULD HAVE BEEN NOTIFIED. SPECIALLY WHEN AN UPDATED PAYOFF DEMAND HAS BEEN REQUESTED. I SHOULD HAVE BEEN INFORMED THERE IS A SALE DATE I WOULD HAVE BOUGHT THE HOUSE AT THE ACTION. NOTHING WAS EVER SENT TO ME ABOUT A TRUSTEE SALE DATE. NOTHING WAS SAID TO ME ABOUT A TRUSTEE SALE DATE. INSTEAD, I WAS BEING ASKED TO SEND THE AUTHORIZATION AND MY TRUST DOCUMENTS OVER AND OVER AND OVER AND OVER. I ASSUME I AM NOW AUTHORIZED AND SO IS MY THIRD PARTY AS NOW THEY JUST INFORMED ME I NEED TO GO THROUGH THE XXXX XXXX DEPARTMENT WITHIN SPS TO OBTAIN THE UPDATED PAYOFF DEMAND AND DISPUTE THE TRUSTEE SALE OF MY FAMILY HOME.
Product: Debt collection

I have an own known account in my credit from XXXX XXXX XXXX. I have never had XXXX XXXX XXXX XXXXn my name before. I was not contacted about the debt from the creditor. I just happened to view my credit and saw it. I have reached to them via mail and have not received a response. I also filed a complaint with the XXXX  and the XXXX. In addition, I do have a police report on file with my local police department. I am requesting the fraudulent account/dats be removed immediately.
Product: Credit reporting or other personal consumer reports

SEE ATTACHED XXXX XXXX XXXX Department XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX - XXXX This correspondence is to inform you, There is information that is on my consumer report that is a result of Identity Theft. I did NOT provide written permission or instructions for the identified transactions to be reported on my consumer report.I am requesting that the reporting of this information be blocked and deleted. My request to block and delete this is not being made in error, nor is my request to block and delete being made on the material of misrepresentation of fact by me relevant to the request to block and delete the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are required to do what I am asking and advising, and block these transactions from being reported to my consumer report within 4 days ( XXXX hrs ) from the date and time of receipt of this notice. I look forward to your prompt correction of my consumer report and your response. 

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

Hello! How are you? I am disputing the late payments you have reported to the three credit bureaus.My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Product: Credit card or prepaid card

1. XXXX XXXX charged my credit card without my knowledge. That time I followed XXXX  XXXX 's instructions to send the documentations for disputing the charges. The Bank claimed the paper lost. They refused to process the dispute. 
2. I called the card lost in XX/XX/XXXX. Then I never activated the card. 
3. In XX/XX/XXXX XXXX XXXX sent us Email for updating the payment information because the original XXXX card is no longer active. 
4. XX/XX/XXXX XXXX XXXX  billed us again from XXXX XXXX of XXXX. 
5. XXXX XXXX does not have my new card number. 
6. XXXX XXXX leaked my information to XXXX without my consent. 
7.It 's true that there are two other people that are authorized to use the card but they have no dealings with XXXX XXXX but me the primary user of the card. 
8. What I don't understand is how could XXXX XXXX have my new card number if I never activated the new card that XXXX XXXX sent me. XXXX XXXX tried to used my old account number on file and there was a Payment decline-Order on Hold ( XXXX # XXXX ), so they emailed me on XX/XX/XXXX asking me to update my payment information. I never responded and yet they got a hold of my new card that wasn '' t activated. I believe that XXXX  XXXX  was the one that gave them my information without consent and authorization.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was notified by XXXX XXXX that hard inquiries were made on my credit report from XXXX companies. These included : XXXX. A hard inquiry from XXXX XXXX XXXXXXXX XXXX. A hard inquiry from XXXX XXXX XXXX XXXX A hard inquiry from XXXX XXXX First, I went online to dispute these inquiries and the associated telephone number with all three credit bureau. XXXX removed these inquiries from my report. XXXX did not remove the XXXX XXXX  inquiry from my report, and on XX/XX/XXXX I submitted another dispute online. TransUnion is requiring me to submit a report to the FCC and mail them the report. 

I also froze my credit with all three credit bureaus. 

I also called all three companies to dispute/cancel the applications and have them dispute the hard inquiries with the XXXX credit bureaus. XXXX XXXX was XXXX challenging to reach a human being through their robocall answering system, but after several hours of trying to use different key words I was able to reach a human being and they were able to help me. 

On XX/XX/XXXX XXXX XXXX notified me that a fourth hard inquiry was made on my credit report from XXXX. I called XXXX to dispute/cancel the application and to have them dispute the hard inquiry with the XXXX credit bureaus. They are also requiring me to mail/fax in additional information. 

After this, I called TransUnion and went online to dispute this inquiry with XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$27000.00} BANKRUPTCY - XXXX - XX/XX/XXXX - {$0.00}
Product: Mortgage

Hello my name is XXXX. I recently had a change of mortgage companies. My original loan was with XXXX ; XXXX XXXX XXXX. Ive always paid my mortgage through the automated service which is linked with my bank account. There is no fee and its not set up for autopay. I would simply call around the time my bill is due and submit my payment. Yesterday i called XXXX on XX/XX/XXXX and they did not accept my payment because they sold my loan to a new company which is Mr.Cooper so i then called Mr.Cooper and they are charging me {$14.00} for the same transaction which has always been free for me. Why am i now obligated to pay this new fee every month! Please help. They have forced a new bill on me which wasnt my choice. My options have now changed because of this. Also i dont want autopay set up. There is no charge there, but its not an option i am interested in. I dont mind paying my mortgage but why this high fee? Id like it to be removed or it reduced dramatically.. maybe {$2.00} but still ive never had this fee. Companies shouldnt be able to charge a new or higher fee then the previous company. It just isnt right.
Product: Credit card

I recently got a job at a firm that audits Citi Bank and in order to avoid financial independence issues going forward, I am trying to close my Citi credit card accounts XXXX and XXXX. However, for some reason the account closure functionality on Citi 's self service online portal is not available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested several times that the reporting company verify the accuracy of the information disputed by did not cooperate..The accounts in question have nothing to do with me..Please step up CFPB and take the necessary steps to remove the accounts Bankruptcy chapter XXXX-discharged XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion did not fix credit report due to fraud. They just charged off accounts which dropped my credit XXXX points. I have sent numerous documents to the credit companies and Transunion and no one did a thing.
Product: Debt collection

I have no idea who this collection agency is, nor have I received any communication from them other than repeated phone calls that are becoming harassing. This company repetitively calls my phone and has never left a voice mail message. After calling the number back and learning it was a collection agency, I thought it was spam since they have yet to leave a message and blocked the number. However, they continue to call from several different numbers and do not leave a voice mail message anytime they call. This is a brief list of times and dates from 3 different phone numbers they have called from : XXXX : XXXX : XXXX XXXX : XXXX : XXXX, XXXX, XXXX XXXX : XXXX : XXXX, XXXX XXXX : XXXX, XXXX, XXXX This out of control and I am demanding that this company never contact me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously requested that you investigate my Credit File and correct any erroneous information that you may find, But upon checking my Updated Credit Report, I see here that you have done no changes nor updates at all! Let me remind you that according to the Federal Law, Fair Credit Reporting Act, you are required to investigate and update, correct, or remove erroneous information being reported on my Credit File. You have not complied with the Federal law and continued reporting the disputed items as if these are verified. Under the Fair Credit Reporting Act, I request p=of you to please correct my Credit File by updating or removing the following items off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX I contacted Experian about the following negative 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its been over 45 days and Experian havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Product: Debt collection

I received a medical bill addressed to me but the patient is an ex boyfriend XXXX XXXX. date of service on bill X/XX/17 amount of bill {$1700.00}. I called Professional Account Services where the notice came from and told them this is not my bill. They said I was Listed by the hospital as his spouse and am. I advised them not Married they told me I would need to straighten it out at the hospital. I then called XXXX Regional Medical Center and have left several messages with no response.
Product: Debt collection

Upon checking my credit score from multiple credit bureaus, realized that midland credit XXXX was affecting my score. Debt amount of XXXX. I have tried to communicate with XXXX party to remove collection /debt off my record. With every contact they get more of my personal information to back up the bad debt collection strategy. Asked for Verification of contract in regard to Midland Credit Management and myself. This was not provided. I am not responsible/ liable for this debt with this debt collector. I have no knowledge of this account. Multiple violations have been made according to law by Midland in the pursuit of debt not owed by me. I ask that this debt be removed/deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX # # # # # # # # # # XXXX XXXX XXXX XXXX closed account, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX # # XXXX XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX # # XXXX XXXX XXXX. has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX inquired on XX/XX/2022. has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  inquired on XX/XX/2022 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