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

I filed a XXXX XXXX  bankruptcy reaffirmed the loan, and changed to a XXXX which wiped out the reafirmation. converted back to a XXXX XXXX and discharged the vehicle with no reaffirmation. 

XXXX was contacted several times to fix my credit report. They are now reporting a reaffirmed loan which was not done in the second XXXX XXXX and I owe them over {$12000.00} which I do not. 

I contacted in office, over phone, by credit dispute, and now this way.
Product: Debt collection

The XXXX medical bills that are open collection on my credit report are false. I included ALL my medical bills into my bankruptcy. The dates that they are giving are false. These XXXX account were open way before my bankruptcy. Which is like a year or XXXX before my bankruptcy. If I am force to get documents then I will begin getting the paper from the doctors office showing when the account were originally opened. These company 's should not be able to just keep renewing the old accounts so that they continue to stay on someone credit file and be eligible to keep harassing people after a bankruptcy.
Product: Debt collection

They have been calling several times a week since XXXX  with different caller ids. Not sure if they even own this debt. Never sent proof of ownership.
Product: Mortgage

on XX/XX/XXXX i advised Wells Fargo who is servicer of my XXXX XXXX Harp loan for the federally mandated federal disaster declaration deferment on my loan and made a CFPB complaint which has never actually been answered and they have refused to grant it in violation of federal law. they have also been granted repeated extensions by you and never actually spelled out how a XXXX XXXX HARP refi does not qualify for the federal disaster deferment. Today they sent me a statememt reflecting a late payment charge of {$22.00}. You should also note i made both my XX/XX/XXXX and XX/XX/XXXX payments in XX/XX/XXXX and they refused to process the extra odd dollars in the payment. Rather than actually have a XXXX   i sent them the {$1500.00} XX/XX/XXXX and XX/XX/XXXX payments on the XX/XX/XXXX. they have also missed the 30 day deadline for providing all of the information i requested via certified mail on XX/XX/XXXX. said legal request is attached to this complaint. please shut these crooks down and send them to jail
Product: Credit reporting

I received a one collection notice on XXXX XXXX, XXXX from XXXX XXXX XXXX. The collection notice was for XXXX XXXX in XXXX - XXXX XXXX XXXX, XXXX, TN. These medical bills were paid or written off. I 'm a XXXX Veteran. The VA pays all my non-VA medical services. I filed a claim per VA guidance and never received a bill from this facility or physician. 

When I contacted XXXX XXXX, they had changed their name to Wakefield and Associates. I wrote them a denial/dispute letter on XXXX XXXX, XXXX. I have not received any contact from Wakefield. I sent the dispute/denial letter certified mail. Wakefield received the certified letter on XXXX XXXX, XXXX, at XXXX XXXX, signed by XXXX XXXX. I have the scanned signature. 

I called Wakefield on XXXX XXXX, XXXX and spoke with XXXX, then XXXX. I was informed that I had XXXX bills from XXXX XXXX Hospital. I was told a supervisor XXXX XXXX XXXX would call me on XXXX XXXX, XXXX. That did not happen. 

I called Wakefield on XXXX XXXX, XXXX and spoke with XXXX. XXXX was going to review the XXXX FAX I sent Wakefield, and call me back at XXXX XXXX to discuss. That did not happen. 

I called Wakefield on XXXX XXXX, XXXX and spoke with XXXX. XXXX tried to get me to pay and I reminded him this account has been disputed. XXXX said he would forward me call to a supervisor. 

Basically this is a " ghost '' account. I used a local hospital, my XXXX covered the cost and the VA covered my deductibles and any other charges. 

I contacted XXXX XXXX Hospital on XXXX XXXX, XXXX, which I learned is now XXXX XXXX. I spoke with XXXX in patient accounts. She was able to pull up my services received for year XXXX. There were only 2 days of service, both in XXXX XXXX. They have been paid. I ask her to look up any service dates on me. She said there were only XXXX, XXXX in XXXX and XXXX in XXXX. Both have been paid at the time of service. XXXX is going to mail me these records ... because of XXXX laws she could not scan/email or fax. 

Please help me get these accounts off my credit report. Wakefield does n't seem to care or have any intention of having these removed. Why are these type of companies never held accountable? I 'm trying to work on my finances and keep a great credit rating for a large purchase soon, but this cost me XXXX points on my credit rating. This means a lower interest rate, or no financing at all ... basically this mistake is going to either delay my purchase or cost me money. 

Thanks in advance. 

XXXX
Product: Credit reporting

I have several accounts that are not mine that i continue to have reporting to my credit file i am submitting a new police report that has these accounts added to them so that you can identify them along with a ftc affidavit that has been notarized. still these accounts have not been removed as they are fraudulent
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for unlawfully failing to properly investigate consumer disputes regarding inaccuracies on credit report. Despite my submissions, Experian does not take sufficient steps to intake, process, investigate and notify consumers about consumers 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. Experian conducted sham investigation rather than properly reviewing the disputes as required by Federal Law. These errors has had some very damaging consequences for the XXXX XXXX 's finances, and it is critical that Experian follow Federal and State Laws. Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as in the CFPB 'S recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I received a letter from ERS attempting to collect a debt. I replied with a letter on XX/XX/2016 with USPS tracking # XXXX XXXX XXXX XXXX XXXX. Their response on XXXX XXXX, 2016 was that they provided me with the documents that validates the account. How can a Statement of Purchased Account print out sheet be a validation of account. So I filed a complaint with the XXXX regarding this matter. I also stated in that complaint that I wanted ERS to provide me authentic document, contract, loan, or XXXX note that states I have agreed to any terms or conditions or that I have done any business with. Their second response was " Concerns were raised that ERS did not provide a promissory note to a request for validation. Please accept our apologies for the inconvenience experienced in respect to our collection activity. Upon thorough review, we identified that a request for a promissory note was submitted to our client, XXXX XXXX XXXX XXXX, XXXX Will forward the request validation to the address on file. '' This company should n't have a problem providing that information upon request it is the LAW. It also raises suspicions about their involvement and their hesitation to do so. I will not pay XXXX XXXX just because he says so.
Product: Credit card or prepaid card

I applied for a credit card with capital one the first time I was advised that they couldnt proceed due to incorrect phone number on my fraud report so I said ok let me fix this so I fixed it with every bureau I tried to get the existing app processed I was told no they cant do that cause info is wrong on their end I said ok something needs to be done here the rep decided to run my credit again with out my auth saying the same thing which isnt correct cause it was indeed updated I even got confirmation from the credit bureau then I try to get these inquiries removed speaking to multiple managers being told no cause its my fault when in reality I was misadvised by multiple people and its their company error reason my credit been ran 3-4 times
Product: Credit card or prepaid card

HI I have recently made a complaint since my credit card with discover was denied every time I apply. I received a feedback saying that I can not apply for discover credit card right now but due to some reason I am not able to apply for any other credit card like XXXX, XXXX XXXX etc. 
Please help me out and let me know what to do?
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXXXXXX 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: Debt collection

From XX/XX/XXXX to XX/XX/XXXX I had XXXX XXXX XXXX thru XXXX, XXXX XXXX XXXX XXXX XXXX which both of my insurances covered. XXXX filed my primary but did n't file my secondary. I called them after I started receiving a bill for the part that my secondary insurance was to pay. XXXX said they did n't have my secondary information so I again provided it to them. A month after I received another bill. Same story but this time I took copies of both insurance cards and mailed it in to them. This went on for a year. Each time XXXX told me they would file it. They never filed my secondary. XXXX only had 1 year to file my secondary. On XX/XX/XXXX I called my secondary to find out if the claim was ever filed, I was told no. While I was on the phone with my secondary insurance they asked me to stay on the line while they tried to call XXXX, there was no answer. My secondary insurance also told me that I was n't responsible for the bill because they would have paid it in full. About 6 months or so ago is when a debt collector started calling me, at least once a week. I would explain to the same person, every time, what happened with that bill and what I was told by my insurance company. It 's not like I did n't try to settle a bill they just refuse to hear me or ignore what I tell them and continue to call.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by following credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Vehicle loan or lease

This is relating to the previous case I had opened concerning Bank of America illegally taking out {$16000.00} from my checking account without my knowledge nor consent. Bank of America attempted to get in touch with me to negotiate by phone. However, I was not comfortable talking to them. I want Bank of America to deposit the amount of {$16000.00} they stole back into the same checking account.
Product: Credit reporting or other personal consumer reports

I disputed XXXX through XXXX. XXXX XXXX XXXX XXXX, navient, aidvantage ; they keep passing inaccurate information to the next organization. I tried several times because my record is in good standing ( since then ) apparently something happen in XXXX for a few months and XXXX for a few months. This was no fault of mine. XXXX late payments is the result of negligence of student loans reporting false information. They also they violated my rights 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They also they violated my rights 15 U.S.C 1681 Section 611 ( 2 ) ( A ) The law clearly states the credit bureaus have 5 days to notify me from when they receives my disputes. This company report late again in XX/XX/XXXX. I clearly ask them to mail be the form, the rep said ok in XX/XX/XXXX. All of a sudden, they emailed me the form and reported it yet when I question them. I did not ask for email, I called for an update and they simply do what they want to do. XXXX XXXX XXXX Navient Solutions LLC has been hit with a class action lawsuit alleging that it intentionally violated the Fair Credit Reporting Act ( FCRA ) and damaged the credit score of borrowers.Jul XXXX, XXXX, As a company they are suppose to offers all options, forbearance, income driven plan, or any other option available to the borrower, time and time again this company negligence impacts my credit score years later. It is not right at all. I was a victim of identity theft. I contact the company several times to update my info. please see attach ment
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple Hard Inquiries that I did not authorize. The company of the inquires and dates are listed as such : XXXX XXXX XXXX ( Auto ) - XX/XX/2022 XXXX XXXX ( Bank ) - XX/XX/2022 XXXX ( Miscellaneous ) - XX/XX/2022 XXXX XXXX ( Finance ) - XX/XX/2022 XXXX XXXX XXXX ( Finance ) - XX/XX/2022 XXXX XXXX  ( Auto ) - XX/XX/2022 XXXX ( Bank ) - XX/XX/2022 XXXX XXXX XXXX ( Auto ) - XX/XX/2022 XXXX XXXX XXXX ( Auto ) - XX/XX/2022 XX/XX/XXXXXXXX XXXX ( Finance ) - XX/XX/XXXX
Product: Student loan

Summary : I can not get a low-interest rate on a Mortgage Loan because Heartland ECSI reported me to the credit bureaus and never notified me that I was every late on a payment when I had set up autopay. 

Whole Story : I would like to move back to my hometown to be closer to my family and before I do so, I want to buy a house there. I saw that my credit score had slowly been decreasing over the past year and a half as to no idea why. I looked further into the matter and hired XXXX XXXX in XXXX or XXXX of this year. That is when I found out that " XXXX XXXX '' ( but its really Heartland ECSI XXXX has been on my credit for years without any knowledge as to why. 

XXXX XXXX sent a letter on XXXX XXXX XXXX to XXXX XXXX on my behalf asking for documentation of late payments ( I 've attached this documentation ) Then XXXX sent back a letter on XXXX XXXX XXXX stating that I had multiple " NSF '' payments over the years ( Letter is attached ). I had absolutely no idea about any type of NSF 's XXXX non-sufficient funds ). I call XXXX and they continuously tell me that I still am late on payments, when I call Heartland ECSI and they are telling me that I am up to date on all of my payments. 

I did further digging and found out that it is Heartland ECSI reported me to the credit bureaus and not XXXX XXXX when XXXX XXXX is what shows up on my credit reporting. ( you can see the attached documentation of a conversation I had with a customer service representative ). 

The XXXX XXXX XXXX XXXX are building my case to dispute this matter with the credit bureaus, however, it has been extremely difficult because everything has to go through XXXX XXXX when Heartland ECSI is the lender that has reported me ( XXXX has not reported me ) There is an attached document of all of my payments with the totals highlighted in yellow at the top. For years I have been accruing over {$600.00} in late fees without having any knowledge that there was an issue with late payments. I never received a phone call, letter, or email in the 6 years that I have had this loan. 

This has been a very difficult process because I have to communicate through my school to get to XXXX, and everyone that is trying to help me is also having a difficult time understanding that XXXX did not report me to the credit bureuas because " XXXX XXXX '' is what shows up on my credit. 

My lawyers are working on building a case to file a dispute however, time is of great importance when I am trying to get a house and move to be closer to my family. I also have no idea how disputes work, I am trying every avenue to get this matter resolved as quickly as possible. 

Not only has XXXX ruined my credit, they have deterred me from being close to my family, and they have also charged me with {$600.00} dollars in late fees when I was never made aware of any late payment. 

If I had known there was an issue, I would have handled this matter years ago however, Heartland ECSI never contacted me about any NSF throughout the 6 years Ive been paying my loan.
Product: Vehicle loan or lease

HELLO I AM CURRENTLY UTILIZING A SHORT TERM LEASING COMPANY NY THE NAME OF FAIR I AM CURRENTLY OAYING XXXX A WEEK TO KEEP THE CAR THE COMPANY USING A APPLICATION TO EXTEND CONTRACT ETC THE APP HAS NOT BEEN WORKING AND THE BUSINESS IS NOT HELPING ME TO GET THIS PROBLEM FIXED SO THE CAR DOESNT END UP GETTIN REPOD I ACCRUE FEES ETC
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act : Collection : ( XXXX XXXX XXXX ), has violated several of my rights 15 U.S.C 1881 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Mortgage

Taxes increased payments from XXXX to XXXX I was asked to also pay Attorney Fees from 2020 I asked for an Audit to understand how money is being applied to the account due no decrease in balance Online site for payment is set for the new total of over XXXX dollars to be paid, ONLY. No option to pay a different amount.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, XXXX XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$23000.00} from XXXXXXXX XXXX XXXXXXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXXXXXX17 I requested a mortgage re-fin quote but the creditor could not respond as they could not get a copy of my credit report as it had a " security freeze '' on it. I have never requested a security freeze on my account. I have had this problem for at least the last five years. I spend days/weeks attempting to get the matter resolved to no avail. Equifax has me make written requests to remove the " security freeze '' and then I 'm told weeks later I never had a security freeze. However the next time a creditor contacts Equifax it is the same problem. 

This time I attempted to contact Equifax on its website and by phone. The website advised I could not access it and had to write. Their automated phone system state the same thing Instructions say I need a pin or unique personal identification number assigned by Equifax which I do n't have and never received ; why would I if I never had a security freeze. 

I have placed a extended Fraud Alert on my account but a Fraud Alert is not the same as a Security Freeze. In the past, Equifax 's phone rep confuses " fraud alerts '' and " security freeze :. They provide wrong information, lie to me and to creditors. Most of the problems and lies are verbal. I do have a letter dated XXXX17 confirming that extended fraud alerts where placed on my account at my request. 

From XXXX to XXXX, XXXX I tried to change from cable to XXXX XXXX. Again there was major problems about " security freezes '' and releasing inform. Finally, the non-existing security freeze was lifted ; and then XXXX XXXX wanted a deposit on the basis that I " had a security freeze ''. Equifax representative let it slip that a security freeze was a " negative '' indicator placed by a creditor or Equifax. But I have no evidence and attempted, unsuccessfully, to find an government agency to investigate. I always order copies of my credit report and there is nothing negative on them and no mention of " security freeze '' I gave up on XXXX XXXX. I have TOLD MY STORY on this website before today 's problem. 

Then today I find the same problem. After not being able to make contact by website or phone. I wrote a letter to Equifax requesting they permanent lift all security freezes. I have to mail it on Monday XXXX-17 as it must go via certified. XXXX do n't know why I should have to go to the expense of certified mail for Equifax 's error. However I fear that they will not respond promptly as I do n't have a PIN or unique id number or some other service error on Equifax 's part. It is so discerning that Equifax can continually violate the FCRA and receive no consequences.