23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  XXXX Balance : {$1300.00} XXXX  XXXX : {$0.00}
Product: Debt collection

I saw a new dentist at XXXX XXXX on XX/XX/ in XXXX Colorado for a simple teeth cleaning - preventative care 100 % covered by my XXXX XXXX insurance. I provided my dental insurance information with XXXX XXXX XXXX Colorado XXXX XXXX XXXX ID XXXX. The office manger there has repeated the correct information over the phone twice or more monthly and promises they will file a claim and not try to collect from me. However, to date, they have not filed any kind of a claim with XXXX XXXX nor provided proof of service and medical records so that I can file the claim myself. 

Both I and XXXX XXXX have repeatedly reached out together via phone ( through XXXX XXXX 3-way call ) and secure XXXX XXXX email system to get them to file the claim or provide proof of service. Per XXXX XXXX 's contract with XXXX XXXX, they can not send a patient to collections without first submitting a claim. However, they have sent me to collections. ( copy attached ). 

No matter what we do, neither the collection agency nor the Dentist will stop. They even send nasty text messages that I can not opt-out of. 

If they can not provide proof of service and medial records they can not send me to collections, so is what they are doing illegal? How can it be stopped? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I'm refinancing and the company with that is doing a great job. However, the company that has a XXXX  filing on my home is nonresponsive to a request for subordination. The request is now a month and a half old. That company is Sunlight Financial. Any assistance you can provide would be greatly appreciated.
Product: Money transfer, virtual currency, or money service

Huntington standby cash advance is using practices like a credit card where if you use the money transferred it lowers your credit score. When in fact it's a cash transfer/advance. My credit score dropped XXXX points today for using the {$100.00} I transferred from standby cash.
Product: Debt collection

the accounts listed/ inquires listed cant be verified and need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

After escaping an abusive marriage of 12 years I have been working on repairing my credit. My ex-husband didn't adhere to the stipulations of the divorce pertaining to unpaid debts, nor did he pay child support as he is over {$90000.00} past due. In the last two weeks my credit score has been increasing and I was alerted I was  over XXXX! I was elated and so excited and proud of myself. In addition, I had applied for a house for myself and my XXXX kids to move to as my lease is expiring where I live and I can no longer afford the rent. About a week or so ago I noticed some credit lines  from XXXX didn't have the correct loan dates reporting so I filed a dispute. Last Friday, after incorrectly reporting the loan dates and the lines of credit as open and past due debts XXXX decided to report the debt as a charge off which took my score under XXXX in one day. I am not sure why XXXX would retaliate against my dispute in such a harmful way. I was advised today due to the drop in my score I am no longer eligible for the rental home I was moving my family and my available credit on two of my small balance credit cards was reduced. Three years of incorrectly reporting, and now they decide to report as a charge off - with COVID, a loss of income, no child  support and now my credit is below XXXX again and I am XXXX. This is how XXXX handles consumer issues by causing consumer harm? I have no where to move my children to - XXXX incorrectly reported the debts - rather than making such a large change aware of the impact it would have on my financial reporting they should have done the right change and updated the credit history - instead XXXX has taken a single mom and made her XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were discharged in XXXX of 2022 after I applied for the XXXX student loan discharge program. It was XXXX through XXXX but they are telling me that they are not the ones to report that information to the credit bureaus. I then reached out to the credit bureaus to ask about who has been reporting my student loan status for the past 7 months since it has been discharged and they told me that the holders on the student loan accounts are XXXX XXXX XXXX  and that only they can make changes. I also reached out to XXXX XXXX XXXX and they told me XXXX should be reporting since they were the ones to discharge the student loan. I then disputed my student loan with the credit bureaus for showing inaccurate information and status and the report came back as ; correct posting that the information on my report that reflects it still having a balance is accurate. Both XXXX and XXXX XXXX XXXX have confirmed that my student loan is paid in full and that my balance should be {$0.00}, closed paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a representative from XXXX XXXX XXXX XXXX XXXX ( hereafter, " XXXX XXXX '' ) offered to reduce my student loan monthly payments to {$360.00} per month. My monthly payments were substantially higher, so I accepted their offer. I continued making payments to the company from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX, I received an email from XXXX XXXX that the company had accepted my cancellation request for their services using their ID number. 

Unbeknownst to me, the company had contacted the US Department of Education and changed my address from XXXX, PA to XXXX XXXX, CA. Furthermore, the company submitted paperwork indicating that my monthly income was {$0.00}. At the time, I was employed as a full time high school teacher. As a result of the changed income, the US Department of Education granted me a forebearance of my student loan debt ; meanwhile, I was paying the company {$360.00} per month. [ My credit report still indicates XXXX XXXX XXXX, XXXX XXXX, CA XXXX as a previous address. At no time in my life have I ever lived in California. ] As a result of the company 's phony paperwork with the Department of Education, my loans eventually came out of forebearance and defaulted. I contacted the US Department of Education, and I recall filing a complaint with them, but never heard anything further apart from receiving notices to pay my student debt. Ultimately, I contacted XXXX XXXX XXXX, who reduced my monthly payments to {$50.00} per month which was reported and paid to the US Department of Education. 

I am a XXXX XXXX  with a XXXX XXXX XXXX from XXXX XXXX. In XXXX, XXXX, I filed a claim with the Social Security Administration for XXXX, which was ultimately granted at an administrative law hearing in XXXX, PA in XX/XX/XXXX. I contacted the US Department of Education and was granted a full discharge of my student loans, with a three year post discharge monitoring period. Incidentally, my wife has XXXX XXXX XXXX along with a XXXX XXXX XXXX. She has also filed a claim for XXXX and hopes to have her loans discharged soon after she wins her hearing at the end of XXXX. 

Upon seeing Attorney General XXXX 's news report about taking on another phony student loan company, I decided that I should seek redress and potential relief from their deceptive practices.This complaint in its entirety was filed with the Pennsylvania Attorney General 's Office, who handed it over to the PA Bureau of Consumer Protection, from whom I received a response on XX/XX/XXXX by Agent XXXX XXXX. My account number with them is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 certified letters to XXXX and Transunion regarding unauthorized inquiries on my credit reports These companies listed by them did not have permissible authority to view my credit report since I am a victim of idently theft However they have not removed those inquires
Product: Debt collection

Received notification from XXXX XXXX XXXX in regards to a debt of XXXX. Debt was transferred to Pendrick Capital Partners , LLC who has failed to verify that I indeed owe the debt.They sent information that appears to be typed from a home computer ( Pendrick Capital Partners, LLC it they did not verify that the debt actually belongs to me not sure what services I received.
Product: Debt collection

I get calls in the early morning and after XXXX pm from multiple different number from all over the country
Product: Checking or savings account

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a purchase was made from XXXX XXXX XXXX in the amount of {$XXXX}. 

I filed XXXX complaints XXXX I clicked to escalate the case and everything disappeared initially. The from what the lady said that I talked said on the recorded call she reopened the case who goes by the name of " XXXX XXXX XXXX said that she reopened the case because a complaint was filed here? 

The purchase was made using the PayPal account and as such is COVERED BY THE PAYPAL BUYERS  WARRANTY. 

She sent a copy of the shipping confirmation to the WRONG ADDRESS as we are on XXXX and XXXX XXXX. 

In addition XXXX XXXX is in the same area and there is no XXXX XXXX that lives on XXXX XXXX. 

On top of that the delivery confirmation that she sent me has been determined to be FRAUDULENT. 

I AM DEMANDING NOW A FULL REFUND OF THE PURCHASE PRICE as is agreed to in the buyer protection program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX.
Product: Credit reporting or other personal consumer reports

Chase is reporting two credit cards on my credit reports that do not belong to me.
Product: Credit reporting or other personal consumer reports

I have a issue that deals with Transunion. I had a drop in my XXXX XXXX only at Transunion. the other XXXX credit reporting stayed the same at XXXX on the XXXX of XX/XX/year> it said my score dropped XXXX pts. I looked an didn't see anything on my credit report, I called Transunion only for them to tell me something like it was my utilization caused it. I never used any more to raised the Utilization at all. I found out thru XXXX XXXX, I use to monitor my credit reports that it showed that XXXX accounts had been closed at XXXX an they we're not mine, but it was taken off the report but it still dropped it. I called Transunion an they don't want to hear XXXX tried explaining it to them an all they could do is see my report which doesn't show these XXXX accounts being added an then removed. What am I to do since it dropped XXXX pts because of this ; This are the accounts that caused the drop ; I have copies of these XXXX accounts. Which are not mine XXXX account removed from your file Between XX/XX/year> and XX/XX/year>, your student loan account with XXXX was removed from your credit report. Closed accounts are usually removed from your report after XXXX years. Once they're removed, the account details will no longer affect your XXXX XXXX.
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 XXXX XXXX XXXX. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have the right to privacy. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts sending dispute letters and calling all 3 major credit reporting agencies to remove these hard inquiries to no avail they still remain on my credit report XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX  dated XX/XX/XXXX, I am writing to you because you reporting the above inquiries on my report that I DO NOT recall please provide proof I applied for credit with these creditors, If you can not provide such information please permanently delete all inquires listed above from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00}.
Product: Mortgage

Subject : Complaint Against Bank of America Misrepresentation of Rental Income in Loan Approval Process Dear Consumer Financial Protection Bureau, I am submitting this complaint against Bank of America regarding misleading loan application guidance and their failure to honor a commitment related to rental income consideration, which resulted in my mortgage loan denial. 

Issue Summary : In XX/XX/year>, a loan officer from Bank of America, XXXX XXXX, provided an email letter stating that my rental income of {$2200.00} per month would be factored into my Debt-to-Income ( DTI ) ratio for a conventional mortgage. Based on this representation, I took the following actions : Secured a tenant for my current home in reliance on the banks statement. 
Moved forward with the loan process under the assumption that my rental income would be counted. 
However, when processing my loan application, Bank of America refused to include my rental income, despite my actual rental income of {$2100.00} per month, which is nearly equal to the stated amount. This significantly impacted my DTI and resulted in my loan denial. As a result, I am now in a difficult financial and housing situation because : I already committed to a lease agreement with my tenant, meaning I must vacate my current home. 
I am now forced to seek financing from another lender at a higher interest rate and monthly payment, leading to increased financial burden.

Why This Is a Violation : Misrepresentation / Negligent Guidance : The loan officer explicitly told me that rental income would be considered, which led me to make financial decisions that I otherwise would not have made.

Failure to Act in Good Faith : The banks refusal to honor this commitment after I relied on it constitutes bad faith lending practices.

Unfair and Deceptive Lending Practices : Misleading a borrower about loan qualification criteria, then changing the terms, is an un
fair practice that caused financial harm.

ResolutioXXXX Requested :
Product: Checking or savings account

I  am one of two truste es that are trying to close accounts for the trust in a trust, funds are at Chase Ban k I am in    XXXX   and the other trustee is in   XXXX   XXXX   chase will not release the funds they said that both trustees must be in the bank at the same time in  person.I a sked if the documents can be sent   XXXX   XXXX   to be notarized and sent back to the bank so I could sign the documents chase refused they said that the other trustee must be in person so sign documents, I feel that is not right as trustees we have been signing documents on line and notarized signatures for other accounts from other  banks.The bank is in   XXXX   XXXX   on     XXXX   XXXX   manager  name  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, There is incorrect family relationship information being reported both privately ( including to my Bank, XXXX XXXX - and publicly ), that is associating my identify to that of my ex-husband. We divorced in 2002. The information being randomly selected by XXXX XXXX, to verify my identify has to do with my ex-husband and his extended family. This has been an ongoing problem that I am unable to resolve or get additional information as to how this is association is being made / by who. XXXX XXXX insists that they are unaware of how the association is being made, therefor they can not disclose or report back in order to have the information updated, even by me directly. I have tried in the past, to no avail, to directly contact individual credit reporting agencies to see if the linkage is being made through the individual agencies, but have been unsuccessful. I have looked through credit reports and called to core companies of which we may still have an association and no luck there either. 

I need assistance in remedying and not sure who is in the proper position to help. 

Thanks so much in advance.
Product: Checking or savings account

On XX/XX/XXXX the amount of {$6800.00} was taken out of my savings account by someone other than myself. On XX/XX/XXXX {$7400.00}, on XX/XX/XXXX - {$30000.00} and on XX/XX/XXXX {$30000.00} were also taken out of my account by someone other than myself. My savings account does not have a debit card to it, nor is it accessed by the internet. I only made withdrawals in person. I do not believe that anyone stole my identity, but that someone who works at the bank took funds out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at work on Thursday the XXXX when XXXX gave me a notification that i opened of a hard inquiry on my account. I checked, and it said it was a Tj Maxx credit card. Ive never shopped there before so i know i didnt open it. I called their customer service to try and get the account closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In accordance with the Fair Credit Reporting Act : the following companies have all violated my rights and I would like to have the issue reviewed and resolved as soon as possible as the inaccurate items are causing me financial hardships resulting in a lower FICO score. 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 : A consumer reporting agency can not furnish an account without written instructions.

15. U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt This company has violated my rights : XXXX XXXX XXXX Late Payment reported : ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 
Account # : XXXX Account Type : Mortgage This company has also violated my rights : XXXX XXXX Account # : XXXX Account Type : Mortgage Account Type - Detail : Conventional real estate mortgage Bureau Code : Individual Account Status : Closed Monthly Payment : {$780.00} Date Opened : XX/XX/XXXX Balance : {$91000.00} No. of Months ( terms ) : XXXX High Credit : {$100000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Affected by natural disaster Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Inaccurate addresses on my file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, the consumer in this matter. Requested my free annual consumer report from First Advantage Consumer Advocacy Center. Through the mail. Pursuant to title 15 USC 1681g ( a ) ( 1 ) ; Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request. Based on that law First Advantage Consumer Advocacy Center have to give me a copy of my report.