23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to you because there is a mistake on my credit report about XXXX XXXX account. I found out that there is an account in my name, but I never opened it. 

I have also heard that there is a class action lawsuit about these kinds of problems with XXXX XXXX accounts. I want to make sure that this account is removed from my credit report because it is not mine. 

This fraudulent account has caused me to be declined job opportunities and credit accounts and it does not belong to me. I would like you to remove the fraudulent account from my credit file. If you need any more information, please let me know. Thank you very much for your help.
Product: Debt collection

I sent a money order for {$50.00} to XXXX Medical Center. I spoke to a representative by phone informing the money order number because they sent another statement that did not reflect the change in balance. They then sent it to collections when I sent a letter advising that I have already sent a money order and it was cashed and they are not reflecting the change in balance due. It states that I owe {$80.00} still. I did not file a police report yet but I am going to. The Money order was cashed Janurary XXXX 2016 it had my patient ref # and the business name listed on it. I 'm only disputing the {$50.00} I know I owe them {$30.00}. After XXXX and having my car flooded Im still playing catch up for expected and unexpected bills. I cant afford to pay something I 've already paid when I can be paying something I actually do owe.
Product: Vehicle loan or lease

I was dold a car that was not proper working conditions and after only 2 wks of having the car I was told there was engine problems and the problems went on from there now I've learned that the company has closed the business and is being sued for illegal practices on many levels but I'm lost to who my property contract is with they've passed the payment part to another company leaving no contact person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX CALIFORNIA XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX, and XXXX XXXX XXXX, XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX have 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 an account without my written instructions.
Product: Credit card

I received a text alert from Capital One about a possible fradulent charge, I immediately responding to the text that it was indeed fradulent. A couple of days later the charge was reinstated to my account as they " determined '' that I made the charge. Problem is this, the charge was made in person in XXXX, XXXX at a hotel. I made charges the same day, the day before and the day after from my home in Florida so there is no way I was in XXXX. I only have one card and it was with me at home in Florida. Capital one fraud guy says ... .good point but you're still responsible for the charge in XXXX XXXX I have my passport as well and there is no travel during this time to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

they are reporting my name as XXXX XXXX XXXX, I DONT KNOW WHO XXXX IS, BUT I HAVE SENT IN MY CORRECT INFORMATION ALONG WITH MY ID AND MY BILL AND THEY ARE STILL REPORTING THIS ON MY FILE! 

I NEED MY CORRECT NAME ON MY REPORT ALSO MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX, CA XXXX NO OTHER ADDRESS SHOULD BE LISTED
Product: Student loan

I have long struggled with the loan repayments as a single mother to a son with XXXX needing special intervention. Despite having XXXX college degrees, I have difficulty making ends meet. I always work full time and have *at least* one or two side gigs to supplement. 

I didn't realize until the pandemic that when I refinanced/consolidated my XXXX XXXX loans to NelNet, I was put into loans backed by private lenders, so I am not qualified for any of the assistance others are getting, including the Covid forbearance OR the Public Assistance Student Loan Forgiveness program .

When I applied for the XXXX XXXX XXXX XXXX XXXX, I was informed my servicer would be notified and I could place the loans on hold for up to a year while the determination was made. I uploaded the documentation, but they did not acknowledge or accept it. Yet, interest and penalties continued to accrue. I have tried a few times to call NelNet and had difficulty reaching an actual person with whom to speak, which was different from past experiences, and this may have been due to the holiday season. 

I uploaded the documentation again, but they did not acknowledge or accept it, and since XXXX NelNet has decimated my FICO by reporting delinquent payments. 

NelNet finally offered a 3-month administrative deferment, beginning XX/XX/2022 ( and still hit my credit reports later that month ), while simultaneously removing the subsidized component from one of the loans. 

I was laid off from my job at an escrow and title company, along with another, because we were at the bottom of seniority and the real estate markets have slowed. This occurred on XX/XX/2022. I have applied and been awarded unemployment and am once again searching for a job. I attempted to update my deferment to reflect this information, and NelNet has denied it, though I am still looking for the reason why. 

NelNet has hit my credit reports for three consecutive months so far. My XXXX has dropped more than XXXX points because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX Citibank pulled my credit unauthorized without my consent and no obtained signature. I made numerous complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX
Product: Debt collection

I, XXXX XXXX, received a statement from American Express stating that XXXX XXXX owes a past debt of {$1700.00} and a new debt worth {$450.00} which as the original creditor, I do not validate and deem this inaccurate. American Express is in violation of 15 USC 1692 B ( 2 ) - Acquisition of location Information stating that I, XXXX XXXX, the original creditor owes a debt. This alleged debt also includes an interest charge which is in violation of 15 USC 1605 A ( 1 ). American Express is also is false representing the total amount which is violating 15 USC 1692 E ( 2 ) - False or Misleading Representation by saying I owe a past debt of {$1700.00} and a new debt worth {$450.00}. American Express is harassing me and impacted my XXXX XXXX XXXX XXXX XXXX Claiming that I owe a debt to this is very offensive and American Express is violating 15 USC 1692d ( 2 ) - harassment or abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft .I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit . Please delete the items as soon as possible
Product: Mortgage

Been trying to modify, ( thats another issue ) i have power of attorney and have been trying to get mail, have emailed letter and faxed!
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report XX/XX/2024 and noticed that some items on my report are inaccurate. And according to the Fair Credit Reporting Act 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. 

These Accounts XXXX [ XXXX XXXX  XXXX ] Account Number : XXXX XXXX [ XXXX Account Number : XXXX Are not complete and accurate. 


[ XXXX XXXX XXXX XXXX ] open date is not reporting correctly, this account is not accurate. 


[ XXXX XXXX ] open date is not reporting correctly, last report date is not reporting correctly, balance is not reporting correctly, past due amount is not reporting correctly. This account is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I'd opened a PayPal Mastercard account ( Syncrony Bank ) and added both my mother and father to the account as additional cardholders with their own personal Social Security Numbers. After finding out within a month or two opening the account, my account information was being reported directly to their personal credit reporting files and a call was placed to Syncrony Bank to remove them from my account. 

I was assured that letters would be sent to all three credit reporting agencies ( XXXX, XXXX and XXXX ). 

Almost 1.5 years later, due to a slight overage of this {$300.00} limit account ( a {$300.00} balance ), a credit monitoring alert was sent to my father this morning ( XX/XX/XXXX ) from a status report made on XX/XX/XXXX via XXXX. 

After several dozen calls and multiple hours of my time, I'd contacted Syncrony Bank ONCE AGAIN to do the process all over as well as send some type of correspondence as such, which they say they will. 

I'd then gone through the process with contacting XXXX and once I'd reached a live operator ( due to supposed 'technical difficulties ' on their website ), I had to formally dispute and add a comment as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Chrysler Capital closed my account on  XXXX   XXXX ,  XXXX  with a charged off status and balance remaining. It showed this status with  XXXX  but on  XXXX  showed the account was still open. After disputing for inaccuracies with  XXXX  in  XXXX   XXXX , Chrysler Capital removed the account completely from  XXXX . When I got an updated report in  XXXX   XXXX  from both credit bureaus, a 3rd party agency showed up on   XXXX   by the name of  XXXX   XXXX   XXXX , but not on  XXXX . Now while I understand that a lot of times creditors report to  one Bureau bu t not the other, or sometimes the information might not show up identical on each report, if a creditor has " closed '' the account, then that means it is closed. Not half open-half closed. It is either closed, or it is n't. I am also under the impression Chrysler Capital may have " sold '' my debt, but did n't do so for nearly 3 years, until I " stirred the pot '' with the  XXXX  inaccuracy dispute.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company screws people over. The amount of negative reviews they received in XXXX is astronomical. Thats a shame. They did want to respond to my last complaint so listed it as a duplicate. They keep changing how much is owed from {$11000.00} to {$12000.00} and vice versa. Equifax this morning dropped my score an extra XXXX point went it should have dropped no more after it dropped the XXXX points. I dont like the fact that credit acceptance has so much power over my score. I dont like how none of the bureaus are cracking down on them. They have XXXX positive reviews on XXXX these people XXXX over thousands. Im highly thinking about starting class action lawsuits against them. One last thing this company has my name attached to XXXX XXXXXXXX car. I never signed any contract. And it seems they are harassing me. This account is fraudulent and I need my name removed from this contract
Product: Student loan

I was notified that my student loans were excused through PSLF. It has been XXXX XXXX months ago and this information is not showing up on my credit report despite grievances submitted?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing my credit with XXXX, Equifax, and XXXX. i have sent certified letters they have not responded in over 90 days time. i have certified receipts of delivery status and there have been zero effort in correspondence and by law you have 30 days to respond which has been violated. Please see the following Tracking ID for certified proof of delivery. XXXX ; XXXX ; XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Request for Verification or Removal of Inaccurate Information on Credit report I hope this letter finds you well. I am writing to bring your attention to inaccurate information that I have discovered on my credit report. I kindly request your assistance in verifying the accuracy of the said information or removing it from my credit report. 

I recently obtained a copy of my credit report from your bureau and was disappointed to find discrepancies that are negatively impacting my creditworthiness. The following information is incorrect : 1. [ Specify the inaccurate information, such as incorrect account details, dates, balances, or payment history. ] I believe that this inaccurate information has the potential to harm my creditworthiness and impair my ability to obtain credit, secure loans, or receive favorable interest rates. As a responsible consumer, I feel it is my duty to address and rectify this matter promptly. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request that you initiate an investigation into the disputed items mentioned above. During this investigation, I request that you contact the relevant data furnishers and verify the accuracy of the reported information. Please provide me with a written report of the investigation 's findings within the statutory period of 30 days. 

If, after your investigation, you find that the information is indeed inaccurate or can not be verified, I request that you promptly remove it from my credit report. Additionally, I kindly request that you provide me with an updated and corrected copy of my credit report reflecting the necessary changes. 

Enclosed with this letter, please find copies of the relevant documents supporting my claim. These include copies of statements, receipts, or any other evidence that substantiates my dispute. I understand that providing this evidence is not mandatory, but I believe it will assist in resolving this matter more efficiently. 

I would also like to request that you notify all entities that have received my credit report within the past six months about the inaccurate information and provide them with the corrected version of my credit report. 

I appreciate your attention to this matter and your prompt action in resolving the dispute. Please provide me with a written confirmation upon receipt of this letter. Should you require any additional information or documentation, please do not hesitate to contact me. 

Thank you for your cooperation in this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 
I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today! 
XXXX XXXX
Product: Debt collection

A representative of East Point Recovery ( XXXX ) XXXX-XXXX contacted me by phone regarding a debt my son has in collections. 
I believe they violated numerous articles of the FDCPA : 1. I know they have a way to contact my son directly ; they had called him earlier the same day on his personal cell phone to try and negotiate payment. 
2. They threatened that my son could be arrested for Jewelry theft for an outstanding debt to XXXX XXXX XXXX. 
3. They disclosed my sons debt to me, and that he also has a previous arrest on his record for a XXXX. That has nothing to do with debt collection, and is just malicious to contact family members regarding legal history. 
4. Upon answering the first call, they got my attention by telling me the last 4 digits of MY social security number. At this point I informed them I am not responsible for my sons debts, that they should contact HIM, please don't call me again, and hung up. 
5. They called back on an unlisted number and asked if I still owned my XXXX XXXX XXXX. Threatening, and an obvious ploy to coerce me into paying. I informed them they have no right to any of my PII as I do not do business with them, and that I didn't appreciate them revealing my information or that of my sons without cause. This time, they hung up on me. 
6. I called the number from another phone number to obtain the name of the company, and they IMMEDIATELY called that number back also in an attempt to find out why I called. 
Altogether a very unprofessional, coercive, threatening, and maligning series of phone calls. I don't know if it is their company policy to violate the rules that protect people 's rights during the debt collection process, or if this particular employee just enjoys harassing people.