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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and unfairly damaging my credit score. Specifically, I am disputing the following accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Charge Off Account These accounts are not mine or have been previously resolved. I have made every effort to rectify these errors, but they persist on my credit report. The incorrect reporting of these accounts has negatively impacted my ability to obtain credit, resulting in higher interest rates and fees. 

I have attached supporting documents that demonstrate my attempts to rectify these errors, including correspondence with the companies in question and records of payments made. I am requesting that these items be removed from my credit report immediately, as they are causing undue stress and financial hardship. 

According to the Fair Credit Reporting Act, you have a legal obligation to investigate and correct any errors on my credit report. I expect a prompt response from you regarding this matter, as I am eager to rectify these errors and improve my credit score. 

Thank you for your prompt attention to this matter. 

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

I have sent out NUMEROUS letters to the XXXX Credit Bureaus. XXXX, Experian XXXX XXXX, ALL DATES OF MAILING ARE ON THE LETTERS. After waiting months upon months, I have not heard from nor gotten ANY RESPONSE, in ANY FORM. I have sent letters I have called and have waited MANY MONTHS. I need ALL INACCURATE information removed from my credit report. They have failed in every way possible of servicing me as a consumer and I am losing all faith in the credit reporting process. I will be reaching out to a consumer protection agency very soon and plan on taking these agencies to court if my investigations are not completed! I want all of my accounts that have FRAUD RELATED PAYMENT HISTORY, UPDATED AND REVERSE TO ON TIME OR PAID AS AGREED & I ALSO WANT THESE FRAUD COLLECTIONS ON MY CREDIT REPORT REMOVED IMMEDIATELY! I was never notified about these accounts nor have the accounts been updated to currently in dispute. I have someone else 's information reporting on my file and nothing has been done to ensure my report is 100 % accurate or factual which is against the law! This is unconstitutional and a Grave violation of my consumer rights! I am a natural person and know my rights my attached letters will prove these claims! 

XXXX : XX/XX/2023 Experian : XX/XX/2023 XXXX : XX/XX/2023
Product: Debt collection

Received a call today from debt collector ( Creditor Advocates ; XXXX @ XXXX ) stating I owed over {$700.00} to XXXX XXXX XXXX XXXX from XXXX, XXXX. He stated it was the cost of my deductible with XXXX XXXX XXXX XXXX XXXX Alabama. 

I called this doctor 's office several times in XXXX after receiving the bill, because I didn't have a deductible for that procedure. After speaking with their billing dept and with XXXX  several times and writing a letter of dispute, I have never received any sort of bill since XXXX, maybe XXXX. I have been on XXXX XXXX since around XXXX or before. 

I assume this bill got paid by my XXXX  back then, since I never received another bill from the doctor or anyone else after sending my letter of dispute. I actually think I've been on XXXX XXXX since XXXX, so I don't understand why I would get a call today, XX/XX/XXXX, from XXXX with Creditor Advocates. I have never in my life had a deductible more than {$170.00} for outpatient XXXX! 

Thanks for your assistance in this matter. 

XXXX XXXX XXXX XXXX
Product: Mortgage

SPS is the Servicer XXXX is the Investor. It is possible SPS has purposefully impeded the short sale process so that they could get their monthly fee while allowing the home to head into Foreclosure which is currently scheduled for XXXX/XXXX/XXXX. 

Home Listed For Sale : XXXX XXXX, XXXX Original List Price : {$450000.00} then home systematically reduced until offers received. 
Contract History : No Contracts until home listed at {$300000.00}. Original Contract XXXX XXXX, XXXX rejected by bank and the buyer was countered at nearly {$100000.00} above contract price. 2nd Contract XXXX XXXX, XXXX and bank rejected contract and countered buyer at nearly {$80000.00} above contract price. 
Offer History : In nearly 10 months and XXXX appointments, XXXX contracts and XXXX additional unaccepted offers were received when list price was reduced to {$300000.00}. According to Multiple List, only XXXX homes have sold in this community in the last 2 years. NOTE : Bank Appraisal from XXXX XXXX, XXXX came in at XXXX, which is lower than the bank keeps countering all contracts at ( Bank Counter {$370000.00} ). 
Distressed Sale : Not only is the home a Short Sale that is in need of repairs ( list attached ), the HOA is in default which makes it difficult to sell/transfer these homes. 

Supporting Documentation Attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aVICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit ( DOMMA ) is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under Privacy Act of 1974 ; 5 U.S.C section 552a and under 15 U.S.C. Account # XXXX XXXX XXXX XXXX have violated my consumer rights. 15 U.S.C 1681 ( a ) ( 4 ), FCRA section 602 A ) States I have the right to privacy along with 5 U.S.C section 552 ; Privacy Act of 1974 and 15U.S.C 1681b-a ( 2 ) ( Section 604 A Section 2 ) : It also 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 ( they may only report crimes, not ''debts '' ) 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 persons knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

Company Halsted financial contacted me via text and possibly phone in regards to a debt that does not belong to me. Per the link that was sent, you a prompted to put the last four digits of your social in ( in which I did ) and it brought up this account. I called and spoke with a representative and I was given the run around in which I asked to speak with a supervisor. XXXX  ID # XXXX on XXXX XXXX XXXX XXXX XXXX cst I spoke with. I truly want to believe this is her name because Ive been given false information by another company before when Ive escalated. She could not give me the reason why I was able to pull this account up with the last four of my ssn. The back office will be getting the account but, I feel my info has been sold or they have stolen it. Can this matter be looked into because I should not be able to access anyone elses account.
Product: Checking or savings account

Update to complaints XXXX : Bank of Americas Refusal to Reissue Check and Withhold Call Recordings I am submitting an update to my existing complaint regarding Bank of Americas mishandling of my account closure refund check. Despite my initial complaint, the bank continues to act unfairly by refusing to promptly reissue my check and withholding key evidence that could clarify the situation. 

Bank of America refuses to provide call recordings The bank claims that I changed my address twice, resulting in the check being sent to the wrong location. However, I have repeatedly requested the recordings of these calls to confirm whether it was their employee, rather than myself, who made the error. The bank has refused to provide these recordings, preventing me from verifying what actually happened. 

Unfair 120-day waiting policy for check reissuance Bank of America insists that I must wait 120 days before they can reissue the check, even though the mistake was due to a potential bank error. This policy is not an industry standard, and other banks are able to reissue lost checks in a much shorter timeframe. This extended waiting period imposes an undue financial burden on me as a consumer. 

Lack of transparency in check mailing process I requested tracking information for my check, but Bank of America stated that checks under {$6000.00} do not have tracking numbers. However, they have failed to provide any proof of mailing, which raises serious concerns about their process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning XX/XX/2017, I closed all my credit cards and loan accounts. I legally closed all of these accounts with the help of XXXX XXXX XXXX ( " XXXX '' ). XXXX guaranteed me all these accounts were closed. In addition, XXXX promised that they were consolidating all these accounts into one payment of {$690.00} through their sister company, XXXX XXXX. These are the following accounts closed in 2017 : 1. XXXX XXXX XXXX ; 2. XXXX  XXXX ; 3. XXXX XXXX XXXX ; 4. XXXX XXXX XXXXXXXX XXXX ; 5. XXXX XXXX XXXX ; 6. XXXX XXXX ; 7. XXXX XXXXXXXX XXXX ; 8. XXXX XXXXXXXX XXXX ; 9. XXXX XXXX XXXX ; 10. XXXX XXXX ; 11. XXXX XXXX ; & 12. XXXX XXXX. 
Since that time, I have paid off all these accounts except for three ( XXXX XXXX, XXXX XXXX, & XXXX XXXX XXXX ). However, I have noticed that the information being reported on my credit reports by Trans Union is incorrect. Trans Union shows that my accounts went into default : past 30 days, 60 days, 90 days, etc. These accounts were closed before they started going into default. I have been disputing this incorrect information with Trans Union for a few years now. Unfortunately, they continue to report incorrect information on my credit report. 
Trans Union claims to have investigated the disputes. By whom? An independendant investigation company or their own biased investigators. In the last four years, I have suffered mentally, financially as a result of these negative remarks on my credit report. Their negative remarks on my credit report continue to bar me from obtaining automobilbe loans, personal loans, & credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accountswhich is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items.

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE. If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

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 Balance : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I ran a credit card on my merchant account for XXXX. They kept the funds and closed my account for fraud. There was no fraud. Ive been in business with same XXXX XXXX account since XXXX. They assured me they would release funds in XXXX. Called XX/XX/XXXX and they said funds would be transferred the next day. Nothing. Numerous phone calls lots of transfers to different managers and they just say they can't do anything. Looking at the internet they are doing this to other companies. Can you help me get my funds from Square
Product: Credit card

I own a XXXX Credit Card that I use to earn points for purchases in the store, I've had the card for over a year. I got an email saying I was upgraded to a platinum version of the card ( which I never requested in the first place ), and that it was on the way. This meant my original card wasn't able to be used anymore, which was fine for the time being. I messaged the help desk on XX/XX/2024 asking for information on sending me a new card as I haven't received it yet. They responded saying they will send a new one within 7-10 business days. I message again on XX/XX/2024 as the card still hasn't arrived. They relayed the same message that it will arrive in 7-10 business days. I message again XX/XX/2024 that my card still hasn't arrived, yet the same message it will be here in 7-10 business days. I message again on XX/XX/2024 that my card hasn't arrived, yet the same response again. I message again on XX/XX/2024 that I still haven't got it yet, with the same response back again. I called the customer service at some point during XXXX requesting a new card, but I still haven't received anything yet. During this time I have been confirming my address in the messages I have sent, and I have lost rewards that I have wanted to use because I never received the card that I never asked to be upgraded to! This has caused major inconvenience in my life as I haven't been able to use my credit card, I have lost rewards and points I haven't been able to obtain, I'm just really annoyed that this has taken so long.
Product: Credit reporting or other personal consumer reports

In late XX/XX/year>, I received a phone call from a number that appeared to be XXXX XXXX XXXX XXXX ( NFCU ). The caller claimed that my account had been compromised and requested my personal information, including my Social Security number and date of birth, to resolve the issue. Trusting the legitimacy of the call, I provided the requested information. Unfortunately, the caller was a scammer who used this information to open a fraudulent loan in my name for {$4900.00}. 

As soon as I realized what had happened, I immediately reported the incident to XXXX and filed an identity theft report. XXXX took some steps to secure my account, such as changing my debit card, but despite my actions, XXXX has held me responsible for repaying the fraudulent loan. I have been making monthly payments on this loan, which has caused significant financial stress. 

I believe this fraudulent loan has been incorrectly reported on my credit report, and XXXX has not adequately addressed the issue, leaving me unfairly burdened with this debt. 

I am seeking assistance in having this fraudulent loan removed from my credit report and relieved from any further obligation to repay it.
Product: Money transfer, virtual currency, or money service

My PayPal account was locked And they said I can access my money in 180days Now my account have been locked for more than 180days and I can't remove my funds I mail and call them but they don't want to help Please help me out I need my money My email is XXXX my name is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have co-signed my daughter 's XXXX XXXX student loan. 
Every month Nelnet Department of Education reports different balances while the loan has been deferred. 

Because of this practice, my credit continuously falling score fell from XXXX to XXXX, thus putting me in hardship. 

After spending months trying to find out who is responsible for Nelnet XXXX or Department of Education, every entry points this to credit. Credit bureaus clearly say we report what is reported to us. 

This harassment must stop.
Product: Debt collection

Dear Receivable Mgmt Group After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2017. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
Product: Vehicle loan or lease

Wells Fargo repo my car charge fees and everything when the payment was made
Product: Mortgage

I was with Prosperity Home Mortgage LLC and I had difficulty in the application process. I was not happy with the service or how I was being treated. During this time I was made to pay {$500.00} for an FHA appraisal before any underwriting began and I would like to have a copy of it as I was promised. I called this morning XX/XX/2020 and was promised it would be emailed to me today XX/XX/2020 immediately. This company always promises things and then doesn't carry through. Please allow me to get my appraisal and have my FHA loan number freed up for my new lender to process my loan.
Product: Credit reporting or other personal consumer reports

I just got my credit report on XX/XX/year>, and noticed some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) 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. They must be blind because everything is inconsistent.
Product: Credit card

I am certain that I always pay on time. What I can not comprehend is why this company is marking me late for specific months, which is incorrect. According to XXXX XXXX, billing errors should be corrected, or the company will owe me {$1000.00} per account for inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiries i did not authorize. 

Experian Business Credit XXXX XXXX XXXX XXXX XXXX, CA XXXX This company checked my credit five times, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I did not authorize this. If I use Experian to check my credit on a normal basis, they never report it as a hard inquiry. 

NOT FAIR
Product: Mortgage

The mortgage service company refuses to reduce my monthly payments or interest amount due even though I have made extra payments to pay down principal. My outstanding principal on XXXX XXXX, 2005 was approximately {$360000.00}. I made {$25000.00} worth of principal payments on XXXX XXXX, 2005 and another {$1000.00} in principal payments on XXXX XXXX, 2005, but they refuse to recalculate the monthly amount due and have continued to charge interest on the principal amount of {$360000.00}. 

They claim that they will make XXXX only adjustment to monthly payment amounts per year and will require notarized documents in order to do so. Furthermore, if I want to make additional payments against principal, I need to do it before the XXXX of the current month in order to go into effect XXXX days later. 

These are ridiculously deceptive practices. If I pay down the principal of my loan, they should not continue to charge me interest on the previous amount. Furthermore, they should not have to make me jump through hoops such as notarized documents in order to pay down a loan, nor should they hold on to my money for 45 days and still charge me interest on the principal.