23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Good Evening, I have disputed the medical debt on my credit that has no contract and incorrect information and I have also contacted the company with written statement and the company listed on the debt and confirmed that the information is incorrect. I have requested the information be removed several times however Experian has not removed the debt or provided documentation verifying or validating it. I received notification today that the debt has bee nverified but I have not be provided any information as to how. Please investigated why the following accounts remain on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 late payments I can provide the letters and certified ticket confirming the letters were received. 


Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX  XXXX Balance : - XXXX XXXXXXXX XXXX Balance : - XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX : - XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX : {$550.00} XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX  XXXX Balance : {$3800.00} XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX 2023 XXXX XXXX XXXX Inquired on XXXX XXXX XXXX 2023
Product: Debt collection

The hospital never informed me I was eligible for financial assistance and now its too late. I have no income and can not offer any payments. I have been harassed by this collector and would like it removed from my credit report, per 15 USC 1692c ( c )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my rights. 

XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I was told I would receive money from the government in the amount of XXXX and that all I needed to do is go buy a prepaid steam card call them back and give them the money to insistently fix my credit so that I my received this money. I have asked them repeatedly to QUITE CALLING MY NUMBER and they refuse to quite harassing my family and me. This company has contact me 3 ( THREE TIMES ) times todays and each time they have called I have asked them to NOT CONTACT MY NUMBER AGAIN but they ignore my request and call anyway for a number that one day says XXXX XXXX and another day it says Wireless Caller same people, who sound like they are from XXXX. The people speaking have a XXXX accent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, KS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, KS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX EMAIL : XXXX XXXX Tue XX/XX/2018, XXXX XXXX  XXXX ; Join to Our Program XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( address ) XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX
Product: Mortgage

I contacted my mortgage company SPS in XX/XX/2020 to obtain a forbearance for my mortgage loan due to my wife 's wages being reduced to COVID-19. I was told on the phone call with the call center agent that I had been approved for a 90-day forbearance plan. I received a letter dated XX/XX/2020 stating the terms of my forbearance. The forbearance terms in the letter stated that my forbearance began with the XX/XX/2020 monthly payment, but I had already made that payment back on XX/XX/2020. My loan was current and due for the XX/XX/2020 monthly payment when I requested assistance. I had thought that my forbearance would be for the XX/XX/2020, XX/XX/2020 and XX/XX/2020 payments based on the verbal discussion with the call center agent. Yet, the terms list XX/XX/2020, XX/XX/2020 and XX/XX/2020 payments as covered under the forbearance and a balloon payment due XX/XX/2020. I am asking for assistance from the CFPB to have SPS honor the terms of the forbearance that I had agreed to in my call and have my first payment after my forbearance ends be XX/XX/2020. I believe that SPS is being deceptive in its assistance offerings. As a borrower who was negatively impacted by COVID-19 I don't feel that SPS is truly helping borrowers.
Product: Credit reporting or other personal consumer reports

I have a ongoing issue with inaccurate information reported on my credit report. I have disputed this information multiple times with the credit bureaus, and I have also requested validation of the debt associated with the disputed accounts. Despite my efforts, I have yet to receive any validation or satisfactory response regarding the debts in question. 
Given that I have not received the requested validation of these debts, I believe that the reported accounts are inaccurate and should be removed from my credit report. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) assist in resolving this matter and ensure that the inaccurate information is corrected or removed from my credit file. 
Thank you for your attention to this matter. I look forward to your prompt response and assistance.
Product: Mortgage

Amerisave was recommended by me current mortgage company , XXXX XXXX XXXX XXXX, in order to apply for an IRRL ( VA ) mortgage. After speaking to a loan officer ( XXXX XXXX ) and submitting documentation with private information concerning my mortgage and VA information, I was put in contact with a loan processor ( XXXX XXXX ). After one phone call from the loan processor, I was never contacted again. I have tried repeatedly to reach the company via email, phone number ( extensions, and even calling the company directly. Nobody has answered after nearly 25 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion took XXXX points off my credit score because I paid my bill off I dont think its fair I pay all my bills on time not behind on anything but yet they knocked it down XXXX points because I paid the account off I think its not fair or right
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 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 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 ante
dates 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, credit repair services, or other personal consumer reports

As i have notified Experian before, i am a victim of identity theft, please see attached for the SECOND time all documentation again
Product: Debt collection

I am not responsible, nor liable, for the {$310.00} balance that XXXX XXXX   is reporting on my credit report with XXXX. THis debt is the result of a long-time dispute with XXXX, and their refusal to take responsibility for their own errors. The amount they are trying to collect is the result of XXXX fraudulently adding my brother to my policy without my permission or knowledge. I never gave permission to allow him to be added to my policy, and XXXX was culpable in the fraud. If XXXX can show proof that I ( personally ) accrued charges that were not paid, but I refuse to pay for charges that were fraudulently added to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have right under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts.

Listed below be remove because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/2023 and I noticed there were hard inquiries that don't have PERMISSIBLE PURPOSE to be on there. These hard inquires are hurting are enabling me approvals. I already reached out to the credit bureaus about this multiple times and they continue violate my rights under 15 USC 1681B. This is damaging to my integrity and causing a great stress in my life. I also have attached the hard inquiries that don't have NO PURPOSE to be on my credit report.
Product: Credit card or prepaid card

I opened a XXXX XXXX card with Chase which gives you a {$300.00} travel credit every year. I spend over {$100.00} on a ticket to Florida and thought that chase would automatically credit it back on my account. Chase recently closed down my account for unknown reasons ( a compliant for another time ) and I called them to see what happened with my travel credit that I never received. They said they will refund me but when the representative tried to process it the system would not let as it was past 4 months claim time and my account is closed they cant give me the one time waiver. First of all they closed my account and second of all they should still be able to give the waiver.
Product: Credit card or prepaid card

I purchased a promotion item, interest free for XXXX, with my Home Depot credit card. I paid off the promotion item in time but Home Depot applied my payments to other charges I made after the promotion purchase. In other words, they applied my payments to my most recent purchases, thus voiding the promotional offer and causing me to accrue {$100.00} interest on the promotional purchase.
Product: Credit reporting or other personal consumer reports

I REQUESTED THE METHOD OF VERIFICATION ON THESE ACCOUNTS WITHIN 15 DAYS. THIS DID NOT HAPPEN. I WILL NOW BE SEEKING LEGAL REMEDY UNDER THE FCRA FOR WILLFULL NONCOMPLIANCE AND FALURE TO INVESTIGATE FOR THESE ACCOUNTS LISTED. ( 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

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$26000.00} ; XXXX XXXXXXXX Balance {$370.00}
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 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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: Debt collection

I am writing to formally dispute the debt associated with my account ( $ XXXX {$2000.00} XXXX ) and to request validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g. 

As required by law, I am requesting the following documentation : 1. Original Signature : A copy of the original signed contract or agreement that I entered into with the creditor. 
2. Chain of Title : Documentation showing the chain of title for the debt, including any transfers or assignments of the debt. 
3. Payment History : A detailed payment history for this account, including all transactions and payments made. 
4. Insurance Claims : Any insurance claims related to this debt. 

Please provide the requested documentation within 30 days from the date of this letter. If you are unable to provide the requested information, I ask that you immediately remove this account from all credit reporting agencies. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Ive also never lived at XXXX XXXX XXXX XXXX where they have my accounts address as.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a credit account was opened without my authorization or my knowledge that the account was opened. I received the credit card in the mail and immediately contacted XXXX XXXX for a resolution. Upon their investigation, they assured me that the account was opened fraudulently. XXXX XXXX submitted a request for removal of the account and the inquiry to also be removed from my credit report to the XXXX major credit bureaus. As of XX/XX/XXXX the inquiry still remains on my TransUnion credit report. I have contacted XXXX XXXX XXXX  XXXX  times and have disputed the inquiry that continues to remain with TransUnion just as much. The account has been closed and removed from the other XXXX bureaus, but the inquiry still remains with TransUnion. I have submitted a letter to TransUnion for further investigation and removal of this inquiry, as well as have taken the appropriate steps with XXXX XXXX to get information as to what the hold up is regarding this issue.I have been told by numerous representatives that they have re-submitted a request for the removal to the XXXX major bureaus and have been told to rest assured that the issue has been taken care of throughout the last XXXX  and a XXXX. I have taken diligent notes and feel confident that this process should not taken this lengthy amount of time to find a resolution. Especially since the account and inquiry on my credit report was opened fraudulently.
Product: Debt collection

My wages are being garnished for debt that is not mine {$7200.00} CROWN ASSET MGMT Garnishment started in XX/XX/XXXX court date on papers are dated XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to XXXX XXXX XXXX and Experian this Fraudulent acct appearing on my XXXX Consumer Credit Report which I do not recognize as reported and is a Result of Identity theft and Fraud this is Fraudulent account opened at Pay Pal date XX/XX/year> acct XXXX this acct resulted in a Charge Off on my Credit Report I demand that the Fraudulent Item b removed from each of my Consumer Credit Reports Pursuant to my Rights within the FCRA and FDCPA
Product: Credit card

Capital One is reporting a late payment in XX/XX/XXXX however I paid this payment on time. I have proof and attached proof of payment sent before the due date of XX/XX/XXXX. 

I also noticed that Capital one has not sent out any billing statements within XXXX  days before due date. This is a violation of my rights under 15 USC 1666b timing of payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY HUSBAND AND I WERE THE VICTIMS OF IDENTITY THEFT AND FRAUD AFTER WE LOST OUR HOME TO FORECLOSURE. WE SUSPECT OUR MAIL AND SOME BILLS WERE STOLEN FROM OUR OPEN MAILBOX AFTER WE LEFT.UPON REALIZING OUR IDENTITY WAS STOLEN AND NUMEROUS FRAUDULENT ACCOUNTS WERE OPENED IN OUR NAMES, WE FILED IDENTITY THEFT REPORTS WITH THE FTC, POLICE REPORTS DOCUMENTING THE THEFTS, NOTIFIED ALL THE APPROPRIATE CREDITORS, FROZE ALL OUR CREDIT FILES AND BANK ACCOUNTS. THIS HAS BEEN VERY STRESSFUL WITH THE BIRTH OF OUR CHILD AS WELL. I HAVE NOTIFIED CREDIT REPORTING AGENCY XXXX AND TRANSUNION NUMEROUS TIMES VIA FAX AND CERTIFIED MAIL WITH RETURN RECEIPT. XXXX AND TRANSUNION HAS REFUSED TO HONOR ALL OF MY EVIDENCE, OFFICIAL IDENTITY THEFT POLICE REPORTS, FTC IDENTITY THEFT REPORT, NOTARIZED OFFICIAL AFFIDAVITS AND OTHER SIGNIFICANT PROOF OF THIS CRIME. I HAVE EXHAUSTED ALL MY EFORTS IN RESOLVING THIS PROBLEM. I SIMPLY WISH TO BE LEFT ALONE SO WE CAN BEGIN TO REBUILD OUR CREDIT AND LIVE NORMALLY. ALL I REQUEST IS ALL THESE FRAUDULENT ACCOUNTS BE DELETED FROM MY CREDIT REPORTS AND COLLECTIONS CEASED.
Product: Debt collection

On XXXX XXXX I received a phone call from Global trust management who stated they were collecting for XXXX. I have never had an account with XXXX however they knew all of my personal information. I have never authorized any type of online loan in my name. Someone has used my identity online to setup an account. I have not seen anything placed or removed from my checking account from either company so i know this information is false. When Global Trust called me they was hateful and told me that they would be suing me since I didnt have knowledge of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is claiming that I owe a debt, but I have never had a relationship with National Credit Adjust. They are illegally reporting an incorrect account to the credit bureaus, and this is affecting me tremendously. I sent a letter on XX/XX/22 requesting validation, but this request fell on deaf ears, yet it is still on my credit report. My question is why have I yet to receive any validation of this account? The balance is not the same balance I have with the original creditor, so I am confused as to why this company is saying that I owe the stated balance on my credit report. Due to the fact that you've not legally verified this account and have allowed for incorrect and possibly fraudulent information to continue reporting on my credit file, you are required to remove this account immediately from my credit report. If I am forced to take this to court and hire an attorney, I will be seeking {$2000.00} per violation. I will attach the letter that was sent 2 months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 I applied online for XXXX  XXXX auto loan for a pre-approval this was disclosed to me that it was a " soft inquiry '' but it was not XXXX sent me a notice of a hard inquiry it clearly states on the website they would not pull a Hard Copy but it was done and has lowered my credit score a called to get removed but nothing but a run around for over 45 mins
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$7500.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX  XXXX {$190.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 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 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 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

I reported to the 3 credit reporting agencies that a debt by the XXXX XXXX XXXX had canceled my debt with them. The agencies are not removing this from my credit reports. I believe it should be. Please help
Product: Mortgage

As a follow-up with the Roundpoint mortgage response to my complaint XXXX I've contacted the mortgage servicer to find out when they going to make a promised 3rd escrow analysis, since in the letter they stated that they have received the tax refund of {$880.00} from town of XXXX XXXX ( that money is the fee the town charged the Roundpoint for not timely paying for the school tax ) and they are in the process to do a new analysis. 
The contact name provided in the letter was XXXX XXXX. 
I did call to speak to him, but he wasn't available so to my request I was told that i will be contacted by XX/XX/18 regarding the new escrow analysis and updated bill. 
Nobody contacted me which is not surprise, knowing how dissmissive their customer service is.. 
which left me no choice but follow with another complaint to CFPB since the firsy complaint helped them to reduce my payment from {$4600.00} to {$2800.00} which i still believe is too high. 
Please respond promptly as my due date to pay is just few days away and i dont want to pay late fee. 
thank you XXXX XXXX loan # XXXX
Product: Mortgage

Had a death in my family ( son ), my husband could not deal with that PLUS both mine and our other son 's XXXX so he filed for divorce. He left the house and I did n't know his whereabouts. The mortgage was deducted from his paycheck, he had all he mail forwarded.I did n't know that he had stopped paying the mortgage until I received notice that house was being foreclosed on. I tried everything in my power to get a loan modification but was turned down " for all their programs ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, SOUTHWEST CREDIT SYS XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.