23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I went to Florida Hospital XXXX XXXX XXXX in the year XXXX with a XXXX insurance. I was provided service and I gave my XXXX details. In XXXX, I was monitoring my credit report and saw collections from ability recovery of an amount of {$850.00}. When I called them to explain that I had XXXX and that the provider was responsible for claiming the money from XXXX, they were mean and rude to me, called me a liar and refusing to take responsibility. They will not listen to me or even give me any information. They only want my credit card details. They have been calling my phone constantly, threatening to hit my credit. I have contacted the credit bureau to get this resolved but the collection agency keeps putting it on there. I'm totally not liable for this debt. The provider failed to claim payment from the insurance I had at the time. I don't use that insurance anymore and i'm not responsible for the said amount. Thank you.
Product: Debt collection

I paid this debt a long time ago, Diversified Adjustment Company is still reporting a balance on XXXX, and they promised to delete the account upon payment, which it is still on XXXX  and XXXX, so they lied! They have violated my rights, made false statements, misrepresented facts, and did not keep their own promise! Please Help Me!
Product: Credit reporting or other personal consumer reports

TransUnion has lost their minds, they are deliberately reducing my score, when I pay on my accounts they take off XXXX points, I have great paying on time history, jhad a score of XXXX 4 months ago, now they have keep going down and down for no good reason, other than to make me have to pay a higher interest rate, this needs to be investigated as fraudly activity
Product: Mortgage

US Bank automatically enrolled me in escrow for my home owner 's insurance. I made the payment to reverse the transaction, but they continually charge me an escrow fee on top of my regular mortgage payment.
Product: Credit reporting or other personal consumer reports

Subject : Dispute and Request for Deletion of Illegal reporting of Canceled Debt ACCOUNTS : I am writing to express my concerns that your company is violating my consumer rights by still reporting a charge off account that has been canceled to my credit profile. Per the IRS, once the account has reached a charge off status, and the lender has filed it on their taxes as discharged debt, the debt is now considered canceled or forgiven. This is now taxable income and income can not be reported to a consumers report as debt. There is a 1099-C form issued and this now income being filed on my taxes. Reporting inaccurate information to my credit report is in violation of 15 USC 1681E ( B ). If this is not resolved in a timely manner, I am forced to seek legal action against your company for violating my consumer rights. 

Again, this discharged debt is now considered taxable income and should no longer be reflected as an outstanding obligation on my credit report. Your company reporting inaccurate information is severely impacting my ability to obtain credit. 

Please delete and update my credit profile with the correct information in regards to the mentioned accounts. 


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

In accordance with the Fair credit Reporting act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 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 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 person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX don't report my monthly mortgage payments what do I do to XXXXXXXX XXXX XXXX. I received and investigation letter from XXXXXXXX XXXX XXXX, where they tell me that they do report my payments to XXXX, Transunion, XXXX, and XXXX, but I don't know why, only XXXX shows informaion about my mortgage credit, and the other XXXX bureaus, they do not do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Everything has to be XXXX XXXX accurate on my credit report. The Credit bureaus stated that my accounts were properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate, how the account opening date is same with the last reporting date & last one is that how you were reporting the balances on collectionclosed accounts?? This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX, 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

In XXXX of this year, I found out that my identity had been stolen. I checked my credit report and there were several closed student loans on my credit report. In total, there were 4 accounts all opened fraudulently using my identity. 

I alerted each credit bureau that my identity had been stolen by sending a letter, filing a FTC complaint, sending an FTC affidavit and filing a police report and requested that they remove the accounts. It is my understanding that victims of identity theft are to have fraudulent accounts blocked from their credit report within 4 days of receiving that notification but they refused to do so and declined to give an explanation as to why they would not do so. They stated that all of the accounts had been verified as mine. This is a direct violation of the FCRA. 

I reached out to the creditor directly and requested that they provide proof that the account is mine by showing a physical contract with my signature and show what method they used to verify that the debt is mine. Instead of doing so, they sent a follow up letter plainly stating that the account was verified. Lastly, I sent a of Notice to Furnishers of Information showing that they can only report accurate information and that they are in violation of the FCRA because they have received word from all three credit bureaus that my identity was stolen but they have failed to take any action whatsoever.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in serious violation of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit closely using FICO, XXXX, XXXX, Credit Karma, and XXXX XXXX. I have 0 negative late payments, 5 hard inquiries, average 24 % debt ratio, average 3+ years credit history, 0 negative reports. 
Suddenly my XXXX score on Credit Karma dropped 59 points! I've researched and find nothing new. I called XXXX and they wanted to SELL me a credit report! Instead, I downloaded a free report of XXXX   from XXXX. 
Again, nothing new showing why they would drop my score 59 points. I'm close to applying for a mortgage and need this fixed. Is this a scam XXXX is doing to sell their products?
Product: Mortgage

Mr Cooper has charged me for a Valuation service ( BPO ) in the amount {$190.00}. I was not made aware of this charge at the time forbearance plan. In addition Mr Cooper suggested i do not make payments and refused to take payments while in " Modification period ''. The company pressured me to sell the property or face foreclosure before a family member helped me with amount due ( over XXXX ) There is also a {$25.00} fee that they are trying to charge, they refuse to send written proof of fee. The {$25.00} fee is a technical error on their behalf. 

They did respond with a letter for the fee 's, its was generic letter not showing me where they disclosed of signed for the {$190.00}.
Product: Credit card

On multiple occasions over the years, I have fully paid off a balance on my Macy 's store credit card a few weeks before the payment due date. I still receive a bill the following month for {$2.00} listed as a minimum interest Charge, but the detail lists the interest charge as {$0.00} with the {$2.00} listed under fees. There should be no interest charge on an account that has been paid in full prior to the payment due date. No other credit card I have has ever had any fee after the full balance was paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me.
Product: Student loan

About 11 years ago I owed about {$68000.00} in student loans as went threw a divorce I had to use deferment options because I wasn't able to pay. I never went into default and used options to lower my payments but because of payment reductions and for forbearance 's over the years my balance is now over {$300000.00} dollars with interest and fees. My employment status has changed in the past 3 years and I am now able to make payments. I can't afford the standard payment amount on that kind of money nor will I ever be able to pay that back. I offered to sell my home and give all of the money made which would only be about {$40000.00} and find a way to pay the difference of {$28000.00} from the original amount to them but they said they can't settle the loan for a lower amount. because of what the loan was increased to i was turned down for a mortgage and do not qualify to make any significant purchases. My fiance and I was looking to purchase a home together but I don't qualify because of a {$300000.00} debt. I am upset that the only reason that I can't move ahead in life is because of a student loan balance on my credit report. If I defaulted on it is one thing but because of the interest and fees my life is at a standstill. What can I do to resolve this issue?? Thank You!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 In accordance with the Fair Debt Collection Practices Act. 
Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Product: Credit reporting, credit repair services, or other personal consumer reports

My daughter just turned XXXX and I wanted to get her a new car since she is going off to college. As I went into the dealership and I picked out the car I wanted for her I had to get my credit pulled and there was things I was not familiar with. None of these things listed on my report belong to me. Could you please remove these items.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Accounts on XXXX Credit Report Dear Sir/Madam , I am writing to dispute several accounts on my XXXX credit report, as they are inaccurately listed and do not belong to me. Despite my repeated attempts to resolve this matter, I have encountered significant challenges in disputing these accounts online, particularly through XXXX. I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) to seek assistance in rectifying this issue. 

The accounts in question are as follows : XXXX XXXX Account : Account Name : XXXX XXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Charged off Balance : {$3000.00} Address Associated : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX XXXX Bank Account : Account Name : XXXX Bank Account XXXX : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Charged off Balance : Not specified Address Associated : Various addresses, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MO XXXX I assert that I am a victim of identity theft, as I have never opened accounts with XXXX XXXX or XXXX Bank. Additionally, the addresses listed in association with these accounts are unfamiliar to me, and I have never resided at any of these locations. It is evident that these accounts have been erroneously reported to my credit file, causing significant harm to my creditworthiness and financial standing. 

Despite my efforts to dispute these accounts online, I have faced obstacles, particularly with XXXX, which has made the process arduous and unproductive. Therefore, I am seeking your intervention to ensure that these inaccuracies are promptly addressed and removed from my XXXX credit report. 

I kindly request that the CFPB investigate this matter thoroughly and facilitate the removal of these fraudulent accounts from my credit report. I am also open to providing any additional information or documentation to support my claim of identity theft. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I was approved for the XXXX XXXX XXXX XXXX from Chase 6 months ago and received a promotion to be automatically eligible for credit limit increase after using the card for {$500.00} USD or more and paying on time within 6 months. I diligently followed their advice by using the card for more than {$500.00} USD ( approximately $ XXXX to XXXX ) and made payments on time. However, still they never increased my credit limit. No consideration given at all. This is XXXX of my first credit cards in the United States and still in the credit building stage. They said the system does the approval and can not manually override. In my opinion, a human being can override a system if they want to but I guess they don't want to. At least they should consider my situation since I am doing my best to maintain a positive credit profile. I have spoken to many of their representatives and XXXX of them is from the lending department but still to no avail did bother to help me. I just wish no discrimination was involved here. I have been using this card heavily in the past few days and months. The problem is I have to transfer money from checking account to credit card every time I make a large purchase since my limit is only {$500.00} USD.
Product: Credit reporting or other personal consumer reports

I believe this Account belongs to someone else Ive never done any business with XXXX XXXX XXXX I believe I may have been part of a breach
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
86
Product: Money transfer, virtual currency, or money service

XX/XX/2019 unauthorized payment to XXXX XXXX XXXX through CashApp {$30.00} XX/XX/2019 unauthorized payment to XXXX XXXX   XXXX through CashApp {$40.00} I did not authorize these payments and XXXX XXXX XXXX did not receive them. CashApp refuses to refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for Purpose
Product: Credit card or prepaid card

on XX/XX/XXXX2019 a federal tax return was directed deposited to a brand new Netspend pre-paid visa card. that same day 16 transactions were made against the card totaling {$500.00} which I never made. the co that made these withdrawals was XXXX co/XXXX Netspend has not given me an provisional credit and says the investigation can take up to 90 days, another card was opened and I had to fight with Netspend to transfer the remaining {$800.00} onto the new card. In the meantime my state tax refund was issued on the XXXX of XXXX and sent by direct deposit to a new card. Netspend says they have no record of it arriving. It was for {$210.00}. I was told by the state to check with the bank if it did not arrive by the XXXX. I can't check with XXXX as the account it goes to is Netspends than to the individual cards. If I call netspend they charge me to find out the balance, they charged me for transferring the money that was left on the bad card, every person I talk to tells me something diferent. I have gone in and checked the reviews on this company and wish I had done it before I opened the card as they have over 5000 complaints, a lot of them for the same thing that has happened to me. It is obviousd that someone working at Netspend is responsible for the fraud as my card was in a drawer and had never been used. I wasn't expecting my first5 direct deposit till XX/XX/XXXX2019 so had no way of knowing it had it had arrived the night of the XXXX and the fraud was committed on the XX/XX/XXXX.. They said is was signature purchases which doesn't require a card and it was done without the card. In order to put money on the card you have to show I.D . So I am being lied to. This company should be investigated completely as a lot of people have lost a lot of money because of them
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently reviewing my credit report and came across this inquiry that was unrecognized. I reached out to the company itself with no success and when I took it to the credit bureau I did not get a response. I have no recollection of this company or why they would need to pull my credit as I have a very limited credit profile and am normally ontop of things like this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax first letter was sent and received. XXXX XXXX number XXXX XXXX XXXX XXXX XXXX I received a response asking for valid form of ID ( which I included in the first letter - photo ID LEGIBLE and a utility bill for proof of address ). That second letter was sent and received and I still have not heard anything back. 

XXXX XXXX number XXXX XXXX XXXX XXXX XXXX At this point, my rights as a consumer to fair and accurate credit reporting is being violated.
Product: Credit reporting or other personal consumer reports

My credit report does not include transactions or experiences. According to the U.S. code below. I dont understand why TransUnion XXXX XXXX and XXXX are reporting late payments to my consumer report, but it is clearly illegal to report transactions more specifically late payments to my consumer report. More specifically my XXXX ACCOUNTS and MANY OTHERS, Are being reported as late payments, which is clearly illegal as you are reporting transactions on my consumer report. They should say ok or paid as agreed. I want this reversed and changed immediately because my rights and the law have been violated. I am demanding that my consumer report be thoroughly investigated for all late payments from past to present and for them to be reversed, and shown as OK or paid as agreed. A consumer reporting agency does not have the authority or according to the U.S. law to report transactions or experiences. Furthermore : According to 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report. 
( XXXX ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for U.S. Code 1681s-2-Responsibilities of furnishers of Information to consumer reporting agencies ( a ) Duty of furnishers Information to provide accurate Information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) containing information solely as to transactions or experiences between the consumer and the person making the report ; These are the parameters according to U.S. law what a consumer report should actually contain. As you can see, there is nowhere where it says transactions should be included or even reported. Any transactions or experiences are to be excluded. 

I demand late payments to be removed from my consumer report and reversed to OK or paid as agreed. Any further violation of my personal consumer report will lead to prompt litigation. 

I demand all late payments, showing on my consumer report after a thorough investigation into this matter to be reversed. 

Thank You.
Product: Credit reporting

I got a copy of my credit report and there are things that just are n't accurate on it. I am greatly concerned because I am a good paying person and do n't want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. Incorrect Name XXXX XXXX Why is my name not showing correctly? You are provide incorrect information on my file. Please update ASAP with the ID provided. XXXX XXXX XXXX XXXX XXXX XXXX I can not agree with the information you are filing in the status, payment status, account number, high balance and the terms of this account. Corroborate this, correct it and/or delete immediately. XXXX XXXX XXXX XXXX/XXXX/2015 I would like to see a signed agreement to confirm my signature as I do not remember authorizing this inquiry.