23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I reviewed my credit report and saw there was some medical debt from Merimed Revenue Group that I was unaware of. I have not received any correspondence on this debt so I am u sure if it is valid and have not had the opportunity to pay it if in fact it is. There are four accounts which have the same amount twice. Two for {$80.00} on date XX/XX/XXXX and two for {$180.00} on XX/XX/XXXX. I was advised I could pay the debt and it would show {$0.00} but would not be removed from my credit.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX and XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are suppose to 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. 

Child support should not be listed on my credit report. I tried fixing the problem multiple times to be removed off ny credit report and it still has not worked. can I please get assistance ion removing the child support iff nt credit report from XXXX XXXX Ca and XXXX  Ca. 

Account XXXX
Product: Debt collection

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, 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
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX and again on XX/XX/XXXX the debt collector contacted my ex spouse and released information about me and the nature of the call and contacted at XXXXXXXX XXXX local time
Product: Credit reporting or other personal consumer reports

I am refiling my complaint with TRANSUNION through this complaint. I previously submitted a letter addressing discrepancies in my credit report, including inaccuracies related to the date of last activity, date opened, date reported, payment status, charges, and more. Despite my efforts to bring attention to these issues, TRANSUNION maintains that there are no errors in my report. However, it is crucial to emphasize that this account is fraudulent due to illegal and unauthorized charges. 
The investigation period has extended beyond 30 days, during which TRANSUNION claimed to conduct a thorough examination. Unfortunately, upon reviewing my credit report, I have not observed any corrections. The inaccurate information persists without any apparent rectification. I feel that my rights have been repeatedly violated, particularly as outlined in 15 U.S.C 1681 section 602 A, which underscores my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 explicitly states that a consumer reporting agency can not furnish an account without my written instruction. 
I am reaching out once more in the hope that TRANSUNION can promptly address and rectify these issues. Accurate reporting is crucial, and I trust that TRANSUNION will uphold its commitment to maintaining the integrity of the credit information it provides.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance w FCRA : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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.

The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

604 - 15 U.S.C. 1681b Section A states consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed 15 Section U.S.C 1681 Section 604 A section 4 states : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

604 - 15 U.S.C. 1681b Section A states consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that HILLCREST AND DAVIDSON would verify the debt. So I took it upon myself to ask HILLCREST AND DAVIDSON for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Mortgage

from around XX/XX/XXXX my mortgage has changed from one company to another I did not know who had the mortgage from time to time a company would send me a letter saying they were foreclosing on my house and i would send them a QWR Qualified Written Request and would never receive the information demanded of them and now I believe the XXXX XXXX XXXX XXXX XXXX is claiming ownership of the mortgage I mailed them a QWR via certified mail dated XX/XX/XXXX ( see attachment ) demanding their Standing to Foreclose and other certain factual information in which I have not received
Product: Debt collection

This complaint is against PORTFOLIO Account # XXXX. I have no contract with this XXXX XXXX debt collector. They also never notified me in writing and if they did please provide evidence that you notified me before parking this on my consumer report without my consent. You are in violation of the FDCPA if this account isn't removed/ deleted from mv consumer reports I will pursue suit and remedy to a federally protected consumer. Account number listed on my consumer report is XXXX I have never done business with PORTFOLIO Account # XXXX delete this from my consumer reports. I am also questioning the account balance listed own my consumer report shows a balance but why is the original balance a different amount? I also have the right to privacy I need this deleted/ removed because I never gave you consent to furnish this on my consumer report and if I did where is the evidence. You are also reporting inaccurate and incomplete information why are there payment terms of 1 month on this collection account buy the name of PORTFOLIO Account # XXXX? If this is a collection account how can you put a status of " XXXX ACCOUNT. past due ''? have never opened an account with PORTFOLIO Account # XXXX remove and delete this immediately. Why is there a date opened? I have never opened an account with PORTFOLIO Account # XXXX and if I have where is the evidence that gives you the right to report this on mv consumer report? DELETE REMOVE IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a student loan account that is currently in Forbearance,. There are 6 accounts with the same account number ( again all of these are in Forbearance ) and these accounts all have should show on time payments. Some of these accounts are showing Late and others are showing on time. ( as I stated these all have the same account number ) and some are showing 18-19 times being late. Please assist. Ive contacted all XXXX Agencies ( equifax, XXXX, XXXX ) and Ive also contacted the company that I had the student loans with in regards to the inaccuracies. Nothing has been done. Please look into this as it is CONSISTENTLY bringing down my score.
Product: Debt collection

Allow me to once again respond to Select Portfolio Servicing 's ( SPS ) false claims. 

SPS states, " We have billed for Brokers Price Opinions, Property Inspections, Foreclosure Attorney Fees and Foreclosure Costs. These items are allowed under the terms of the origination documentation, and the Estate is responsible to repay the fees. '' First of all, SPS never made a legitimate claim against the estate of XXXX XXXX XXXX, so I'm not sure how the estate can be responsible for anything SPS alleges. Secondly, SPS has been in frequent contact with executor of the estate. Property inspections are unwarranted and fraudulent per previous lawsuits filed against SPS. Also, BPOs are riddled with errors, e.g., the property has no well, one BPO has repairs needed, others do not, property is not the property described in any of the alleged notes and several state 1.5 acres and others state .25 acres. BPOs are completely fabricated and erroneous. And thirdly, persons conducting inspections are trespassing on private property by their own admission. Although they state they leave pamphlets at the door, not one has been discovered. Cease and desist any and all inspections/BPOs immediately. 

SPS states, " Please know that the XXXX County disbursements reflected as paid prior to the county receiving our payments, and as a result, the payments we sent have been voided, and the funds were retrieved on the escrow account as of XX/XX/XXXX. '' Not sure how that can be, there is no escrow or account. SPS admits they closed an escrow account based on executor 's request due to the fact it was erroneous. 

SPS states, " Please know that correspondence is being sent to the property address of XXXX XXXX, XXXX, NY XXXX. '' Correspondence has never been sent to address SPS states. There is no mailbox at that location. A completely fabricated statement. 

SPS states, " SPS is confident that the servicing of the loan by SPS has been compliant with all applicable state and federal regulations. '' Not sure that is the case. On XX/XX/XXXX, the Estate of XXXX XXXX XXXX received correspondence from SPS stating, " ... This letter is to notify you that the ownership of your mortgage loan has changed. The terms of your mortgage loan have not changed ... '' " ... The ownership of your mortgage loan has been transferred to XXXX XXXX XXXX effective XX/XX/XXXX. XXXX XXXX XXXX does not make mortgage loans but instead purchases, or is otherwise assigned, mortgage loans from lenders and other entities ... '' If that is the case, then why is there a XXXX XXXX XXXX Assignment ( XXXX ), holders of XXXX XXXX XXXX, dated XX/XX/XXXX filed with the XXXX County, XXXX  XXXX XXXX. This assignment is fraudulent and needs to be removed from County records, along with a Corporate Assignment of Mortgage, dated XX/XX/XXXX. SPS has been made aware and is aware of my disagreement with these erroneous documents. Please remove immediately.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed some fraudulent accounts. These accounts are affecting my ability to obtain credit. I would like these accounts deleted from my credit report.
Product: Checking or savings account

On XXXX XXXX I received a letter from Bank of America stating that my claims for reimbursement on my account due to fraudulent transactions being conducted, causing me to be a victim of true identity fraud, was denied based on the basis that the card or cards used to commit these transactions were activated and used with my XXXX To which XXXX are those I still have no idea. Further more I've submitted documents from XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX credit bureau, the XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXXXXXX. All documents support my position in my claim stand point, to which address I didn't authorize, have any knowledge of, or physically unable to conduct such transactions, in any way, shape or form during the entire period in which the transactions began and ended. They didn't allow sufficient time to receive the documents from me before making their decision, also have not supplied aby information ir supporting documents to which played a XXXX factor leadibg to the denuaif my claims. All time provisions have lapsed according to policy held by Bank of America which place a time allowance to rectify and investigate such claims and have a decision. Please further assist me, I'm a victim and untitled to what was mine and shouldn't have to feel like I'm doing something wrong and justify the wrong doings and denied simply based on a mailing address, I deserve fair and adequate service and entitled to all funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

The third party consumer reporting agency, XXXX XXXX has REMOVED the alleged bankruptcy off of their files. As you know XXXX XXXX is the company that reported this information to Equifax, XXXX, and XXXX. XXXX has found no grounds to hold this erroneous information on my report and they have instructed me to dispute the information with XXXX, XXXX And Equifax, however these companies have been lying stating that they have verified this information but the truth is that there is no information to verify because as you can see it is not there, they are falsely verifying wrong information. Please have them remove this information.
Product: Credit card or prepaid card

After filing a complaint on my XXXX XXXX account CitiBank card XXXX they closed my Citi XXXX credit card as a retaliation when if filed the complaint stated inactive use card number XXXX.why now. This is unfair and discriminatory in an email not allowing me to use the card to prevent closure due to inactivity which I had this card for over 5 years. Please investigate this discriminatory practice I believe the leadership team who I worked for before knows I am a XXXX person and they closed this account because I did not list this account in my initial complaint. I feel discriminated for being a formal XXXX employee.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the following accounts and inquiries from my credit report in accordance with 15 USC XXXX ( a ) and FCRA XXXX ( b ). As a victim of a data breach, these items are fraudulent and must be removed promptly. 
Accounts : XXXX. XXXX - XXXX - XX/XX/XXXX - {$8800.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$98.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$220.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$23000.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$990.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$990.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$2600.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$290.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$640.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} Inquiries : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX
Product: Credit card or prepaid card

To Whom it May Concern : I made an appointment with XX/XX/XXXXXXXX XX/XX/XXXX for an annual exam to get prescriptions for monthly medication for heartworm, and flea and tick preventative, and a heartworm test. I asked if they had a vet that was familiar with XXXX XXXX skin issues ( which were not serious at the time ), and was told that I should see XXXX XXXX. 

I was given false information from the vet and the vet technician regarding the medication that was recommended. I followed the vets instructions exactly. As per the vet, I was to contact her in three weeks for a follow-up consultation. 

My dogs skin issue got increasingly worse. When I tried to contact the vets office, they were closed with no date for reopening. I also needed to fill a prescription ( via phone or fax ) for XXXX and XXXX. I had no other decision except to get an appointment with another vet to both check my dogs skin problem and to be able to fill necessary prescriptions. 

XXXX XXXX XXXX never contacted me regarding my dog. The only call that I received was to discuss the disputed Care Credit charge. The receptionist refused to let me speak to the vet. 

When I received the decision from Care Credit ( Synchrony Bank ), the statement from XXXX XXXX XXXX office was full of lies. And I have never received another call from their office. 

I have never disputed a credit card charge, but I felt that I had no other option. I paid a lot of money for medication under their misled guidance, had to pay for another vet appointment in order to get him looked at, and to order prescription medication. There is a principle involved they should not be allowed to falsely recommend costly medication, the animal gets worse, and there is no follow-up discussion. Also, my dogs preventative medication needed to be ordered. And it appears that they do not care. 

Thank you for your time and understanding. 

XXXX XXXX Note : Please see the attached documents for more detailed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Event : XXXX I had a mortgage company check my credit. They made a single " hard '' inquiry thru XXXX XXXX XXXX... .which was approved by me to do. My issue is that i have a membership with Experian online ... and i had a XXXX credit score before the inquiry ... and they dropped me XXXX points to a XXXX after the inquiry. Nothing else changed on my credit. I have 4 open accounts and am never late with payments. I called Experian twice and the reps said they agree ... ..a lot of points for a single inquiry ... .but they can not help ..because it is controlled by an algorithm they can not access or change. I was about to trade my car in... but this drop in score will adversely affect my interest rate now. 

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

I applied for credit so that I may have funds as I am going thru XXXX. My credit report from equifax and XXXX were embarassing and incorrect. XXXX was accurate and contained information the was true and correct. I contacted equifax and XXXX and asked why my credit report did not reflect 14 past loans and 4 current loans with 2 current revolving credit cards, I have banked with XXXX XXXX XXXX  XXXX XXXX for over a decade and have never been late nor missed a payment. I was told that my information was on their system but nobody could see it because the bank refused to pay their fees. But at the same time if something negative appears they have no trouble reporting that. there is a XXXX point difference between my XXXX report and my XXXX and equifax report. when I tried to resolve this problem with equifax and XXXX they would not discuss this with me. This started in XXXX of XXXX with no explanation of why my credit score dropped XXXX points in 1 day.
Product: Credit reporting

My son went online to order a free credit report. the website offered a FICO score for {$1.00}, so I offered to pay for the FICO score, and input my credit card information. Unbeknownst to me Experian now had my credit card information and proceeded to enroll my son in a credit monitoring monthly service for $ XXXX/month. I did not select a box, or approve of this charge to my credit card. Experian is using FCRA and FACT ACT for their financial benefit. If you go online and search if others are having this same issue, under the Consumer Affairs website, you will find a lot of complaints about the same scam, but people do n't follow-up on it - they just pay for the fraudulent charge, and have it cancelled. I would like the CFPB to investigate these tactics, and ensure that the free credit report that the FACT ACT guarantees is not exploiting consumers. 
To manage this situation, for the XX/XX/XXXX charge, I disputed the charge with my credit company, which took several weeks and extended efforts on my part. The credit card company closed down my credit card, and issued a new account number because Experian now had my credit information. Before they could close out the account, Experian charged me for a XX/XX/XXXX {$21.00}, which I am now disputing with Experian once I get my old credit card account number from XXXX. I want Experian to provide me restitution for the time and efforts I have had to put into this situation - restituting consumers for time and effort my cause them to manage their business with integrity.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 Section 602 States that I have a 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 1668B : A creditor may not treat a payment on a consumer account under an open end consumer credit plan as late for any purpose. 

This creditor 's XXXX XXXX XXXX account XXXX XXXXXXXX XXXX is not mines and I never had a account with this creditor. 

Kindly take this misleading creditor account item out of my credit file as it isn't me. Please And Thank You.
Product: Debt collection

I received a call and voice mail on XXXX18 at XXXX XXXX  pts from a women who told me she had my file and I needed to respond before her law firm filed a lawsuit against me and garnish my wages. Her name was XXXX phone number XXXX. I called and she told me over the phone that she is a law firm that was collecting a debt from XXXX XXXX XXXX for {$130.00}. And if I didnt make payments to pay her law firm would file to garnish my wages in XXXX XXXX court. Then stated I would have to pay {$900.00} for attorney fees. That I defrauded XXXX XXXX XXXX. 
I stated this is a debt collector she is not a law firm and is violating the fair debt collection act by pretending to be a law firm. I asked for her business information she hung up and her and a male coworker proceeded to play on the phone telling me Im stupid and Im bored.
Product: Debt collection

The company has failed to delete the negative account from my credit reports. 

They have sent a letter stating that they would proceed to delete but it has been more than 30 days. 

Please see letter attached.