23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I did not receive notification that the debt was being placed with a collection agency and being reported to my credit. I also did not have the chance or ability to dispute this debt before it was reported to my credit as required under the FCRA Also after a dispute through all credit bureaus the company has failed to update the comments stating that it was being disputed as required under the FCRA. 

This company also has not provided proof to substantiate the debt, or that they did as required in notifying me of the debt and my options to dispute as required under the FCRA even after I have disputed this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : The following student loan accounts are all from over a decade ago, and the date of first delinquency is well over 10 years on each of them. The date of first delinquency shown on the credit report is INCORRECT!

These student loans must be removed from my credit report immediately.

U S DEPT OF ED/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed many unauthorized inquiries appeared in my report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>. I Submitted Physical Documentation, On the incorrect, incomplete, Accounts Reporting On My Consumer Credit Report. On XX/XX/year>. I Received Emails From Experian, That The Issue Was Taken Care Of. Unfortunately, Non Of The Inaccuracies Were Properly Investigated. Experian Once Again, Is In Noncompliance According To. 15 USC 1681i, Failure To Reinvestigation. Will Result In XXXX XXXX Under. 15 USC 1681n & 16810.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX admitted to making a mistake after my account was closed 1 year later. XXXX year after the account was paid in full, the company sent late payments to the bureaus. I called the company and the manager stated that she called the bureau and the XXXX told her there is nothing that she can do but that I had to file a dispute so that XXXX XXXX could remove the late payments.
Product: Credit card

We got an estimate for drapes from JCPenney in XXXX XXXX XXXX area. We were told by the sales rep that if we opened and put the purchase on a JCPenney credit card that the purchase would be Same As Cash for 1 year. However when billed the account is accruing interest. I called JC Penney and they told me that the sales rep has to call them and code the XXXX option. I emailed the rep and she called back and said she would contact JCPenney but Synchrony bank is still charging a finance charge.
Product: Mortgage

I was placed on a forbearance plan and the company Shellpoint Mortgage has still accessed fees and did not pause any of my payments. They also did not stop negative reports on my credit. I have contacted them via phone several times since XXXX of 2021 and they tell me a supervisor needs to contact me, one is never available when I call and one will call me back. I never receive a call. I tell them I have documentation that I am on a forbearance and they tell me they do not see the letters I have from them in their system. I request to have the fees removed and the new balance given to me with the payments that were supposed to be paused during my forbearance taken out and I never receive anything other then more letters stating I am in default. I am at my breaking point with this company and just want to work out a payment with them that takes away the fees, legal fees and payments the Covid Forbearance was supposed to pause. I feel this company is not following the Covid Guidelines and are trying to just take my house. I have called, emailed and mailed letters to this company and I am just ignored.
Product: Debt collection

I am writing to formally dispute the debt ] .I do not recognize this debt or the collection agency, nor have I entered into any agreement with your company. 

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting validation of this debt. Please provide documented evidence, including the original signed agreement, proving that this debt is valid and that I am responsible for it. If you are unable to verify the debt with such documentation, I demand that this item be removed from my credit report immediately, as required by the FCRA. 

Failure to provide proper validation of this debt will be considered a violation of my rights under the FCRA, and I will seek its removal from all credit reporting agencies. 

Thank you for your attention to this matter. I look forward to your prompt response within the timeframe established by law.
Product: Payday loan, title loan, or personal loan

1 ) GreenSky contacted me on my cell phone on XX/XX/18 to inform me that they " needed more information for more loan application. '' 2 ) Since I had never heard of GreenSky, I assumed that the call was part of a scam and told the caller that I had never heard of GreenSky and had not applied to any entity for credit.

3 ) The caller then told me that they had an online loan application with my personal information and that if I had not submitted the application I might be a victim of identity theft.

4 ) Subsequently I've had several calls from GreenSky. I have provided them with a completed affidavit which states that I did not apply for a loan and with a police report.

5 ) On XX/XX/18 I received a bill from GreenSky for a payment of {$550.00} on a balance of {$54000.00}. I called GreenSky immediately and was told that my account had been closed and that this bill could be ignored it was sent in error.

6 ) On XX/XX/18 I recent a letter from GreenSky informing me that the account was closed and that an investigation into the matter had been opened.

7 ) I set up identify theft protection with an XXXX company ( XXXX XXXX ) and notified the credit agencies.

8 ) I continue to receive calls from GreenSky and apparently GreenSky made an XXXX inquiry using my information on XX/XX/2018.
Product: Debt collection

i had a continental finance credit card which expire on XXXX but on the credit report it state that a payment was done every month up to XXXX. I just want that federal pacific credit give proof to me that payment was made from XXXX to XXXX. the credit card company and the collection agency got me that last payment was made XXXX an they vertify when i dispute with the XXXX, and the other XXXX agency. it do n't sense becauce i retire from work in XXXX an move so how do i pay them if i do n't get a statement.This is the only credit card that gave me problem.IT seen that my account before it when to a collection agency the date was change.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an address thats not supposed to be on my XXXX  and equifax consumer reports. The address is as follows : I have never lived there in my life. Ive lived at the same address for almost 20 years. Ive already tried to dispute this matter before about this address and they havent removed it. This could possibly be a matter of fraud or id theft. 
I would like the address deleted from my experian and equifax reports immediately please. According to fcra laws they are required to report ONLY 100 % TRUE AND ACCURATE and this is blatantly not true or accurate. It would be negligent to blatantly leave this false information on my report Address for is XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Address for Equifax is : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CT XXXX
Product: Mortgage

I made a borrower requested PMI cancellation request due to improvements on XX/XX/XXXX to NewRez. I completed paperwork and submitted with a personal check for a XXXX XXXX XXXX ( XXXX ). I was denied the request for high LTV after their fresh valuation. I contacted requesting a copy of the XXXX I never received because I vehemently disagreed with the reason, so I expected to be able to see the calculation ( as they promised to provide ). Received another letter XX/XX/XXXX stating it was denied because they never received the paperwork. Responded disputing this new reason evidenced by the earlier letter saying I was denied after a fresh valuation due to high LTV and the fact they had processed my check for the XXXX and all documentation was sent together. XX/XX/XXXX received letter claiming all this was due to inadvertent errors on their part, XXXX was never ordered and they had now ordered ( 3 months later ). XXXX was completed on XX/XX/XXXX and was assured I would have a determination within 30-45 days. It has now been 54 days with no further correspondence on their part. They are impossible to contact directly and what I thought was poor internal controls and management I now believe is a delay tactic use for financial gain.
Product: Credit reporting or other personal consumer reports

So XXXX XXXX sent me a letter to delete the debt and i would have to pay the taxes on the debt i signed notarized and sent the paperwork to XXXX XXXX XXXXXX/XX/XXXX its now XX/XX/XXXX and there has been no response from XXXX XXXX i emailed the proper channel as i was suppose to now this company is dragging there feet and moving slow
Product: Debt collection

Sorry, Im bothering the committee to help investigate the issue of my identity theft. Today, I received the issue of XXXX and Jefferson debt collection company for no reason. I have complained to the committee before. I dont know why XXXX hasnt been in two or three years. Take care of my identity theft issue! It caused me a lot of trouble. I troubled the committee to deal with it again. Thank you very much!
Product: Money transfer, virtual currency, or money service

PayPal put an hold on my account and money and telling me I can't use PayPal anymore. I have not been able to get help from them for months. They put an 180 day hold on my account after transactions was reported on XX/XX/XXXX. I've resolved the situation by sending the transaction back but that didn't fix the issue. I tried to call PayPal towards the end of XXXX to resolve the situation and they said that the earliest they can allow me to withdraw the money was XX/XX/XXXX and told me to give them a call back on that day. I called on XX/XX/XXXX and they told me to wait 72 hours before withdrawing the money out. I waited 3 days and tried to withdraw the money on XX/XX/XXXX and it didn't work so I called back and explained and they told me there was an new limitation added to my account and that there was no way that I can withdraw the money and that they believe that I was given false information and they also told me they didn't know when I will be able to withdraw the money. I don't understand my they but a limitation on my account. 
My email that is linked to PayPal is XXXX XXXX
Product: Debt collection

I was advised if I paid this debt this company IQ Data would remove it off of my credit file, that has not happened I have addressed it several times with the credit agencies and nothing transpired
Product: Debt collection

I am still receiving phone calls before XXXX XXXX XXXX XXXX XXXX XXXX of harassment, profane and abusive language, threats of being sent jail or prison, threats of XXXX and XXXX  from Financial Assistance , Inc., Debt Collection Representatives in regards to a debt collection account from XXXX XXXX XXXX XXXX with an account balance of {$360.00}. The debt collection account is not my account and is the result of identity theft. Financial Assistance , Inc., is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal and state law. Full Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card

XX/XX/XXXX I signed up for a citi-card credit card through the Home Depot to get a discount on a microwave and refrigerator that I bought and never used the card again. XX/XX/XXXX received a fraud alert email from Home Depot asking if I recognize a charge to which I answered NO. XX/XX/XXXX I received an email with a bill for {$4500.00}. I called Home Depot and Citibank trying to get this fraud cleared up and canceled the credit card. I also logged into XXXX, XXXX and others to freeze my credit report. They asked that I send a copy of my driver 's license and case number to them, which I did. They created a case number and started an investigation. XXXX XXXX : XXXX. I called a few months later to see the progress and was told that the investigation had closed. I called the police and was told to create an identity theft report, which I did. ( # XXXX ) I just received a letter stating that the investigation had been closed again and they determined that I was responsible for the {$4500.00}. 
The items they say I purchased include a riding lawn mower, XXXX XXXX XXXXXXXX bags, XXXX fl XXXX Splash-Less Regular Concentrated Disinfecting Liquid Bleach, Soap Scum Remover, Wifi Pellet Grill and Smoker, Countertop Microwave, and a few other items. I am a XXXX XXXX XXXX XXXX XXXX  woman living in a small house and would never need any of the items associated with this purchase. I am unwilling to pay for these products that I did not purchase. I can't afford to and wouldn't want to if I could.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Re : Complaint Regarding Failure of Experian to Investigate a Dispute under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to file a formal complaint against Experian for their failure to properly investigate and resolve a dispute I submitted under the Fair Credit Reporting Act ( FCRA ). Despite providing all necessary documentation and clearly disputing inaccurate information on my credit report, Experian has not complied with their obligations under federal law. 

I am disputing a collection account reported by XXXX XXXX XXXX the account number XXXX and a reported balance of {$430.00}. On XX/XX/year>, I submitted a dispute to Experian, stating that I do not recognize this debt and requesting that they provide validation of the debt or remove the inaccurate account from my credit report. However, despite the FCRAs explicit requirement that credit reporting agencies conduct a reasonable investigation, Experian has failed to verify the information or provide any resolution. 

According to the FCRA ( Section 1681i ), Experian, as a credit reporting agency, is required to : 1. Conduct a reasonable investigation of a dispute within 30 days of receiving the dispute notice.

2. Provide the consumer with a written statement of the results of the investigation, which includes a summary of the evidence reviewed.

3. Correct or delete inaccurate information that can not be properly verified during the investigation.

4. Not report any information that can not be verified within the required time frame. 

In my case, Experian has failed to fulfill these obligations and has continued to report the inaccurate collection account without proper validation or investigation. Their actions are a violation of the FCRA and have resulted in harm to my credit profile and financial standing. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that Experian complies with the FCRA and corrects any inaccuracies related to this dispute. Additionally, I seek confirmation that Experian will promptly complete a proper investigation in line with the law and provide me with the required documentation regarding their findings. 

Please find attached copies of my dispute letter to Experian and my credit report showing the disputed XXXX collection account. 

Thank you for your prompt attention to this matter. I trust that the CFPB will take the necessary steps to ensure that my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I initiated a fraud report with Chase around Tuesday, XX/XX/XXXX, for the following three ( 3 ) transactions which occurred on XX/XX/XXXX by XXXX XXXX XXXX - {$7.00}, {$28.00}, and {$180.00}. Please note, three ( 3 ) separate transactions - From small, medium, and large. I do not recognize nor recall going to an establishment called XXXX XXXX XXXX  '. Please note, this was for my Chase Credit Card which I pay an annual fee on and has an ( EMV ) chip. I learned after I initialed a fraud report that XXXX uses what is called XXXX XXXX - Which develop, supply and support a suite of digital payment solutions that enable merchants to accept card payments, digitize transactions, and sell online. Thus, this can be used as a 'Cell Phone Credit Card Reader '. I also spoke to two ( 2 ) separate Chase Fraud Specialists- One ( 1 ) on Monday, XX/XX/XXXX and a second ( XXXX ) on Thursday, XX/XX/XXXX, and requested to speak to a Fraud Reviewer, but was denied. I continue to state that once I provide my chip embedded credit card to the merchant/employee, I do not see what they do with it - When they hold on to it and/or take it back for payment processing. In addition, I requested the Internet Protocol address ( IP address ), location, time, date, and name of the business of the transaction, but was denied. Furthermore, I sent a Chase Secure Message around XX/XX/XXXX, and a Chase email on XX/XX/XXXX with images that XXXX has known fraud related transactions. Finally, one ( 1 ) image/screenshot I sent was that of the BXXXX XXXX XXXX  XXXX which has XXXX listed in their XXXX XXXX XXXX. Chase continues to deny my fraud transactions because they state that I presented the chip card by hand so it is a valid transaction. Please note, again, I have no control over what an employee and/or company does when they take my credit card for payment.
Product: Checking or savings account

I opened up a TD Bank account checking account on XX/XX/XXXX for a {$300.00} checking bonus promotion. I met the terms and conditions of the bonus ( including {$2500.00} in direct deposits ) and I still never received the bonus and it has been 4 months now. Below are the 2 direct deposits that I did. 

XX/XX/XXXX ACH DEPOSIT, XXXX XXXX XXXX XXXX XXXX TD BANK XXXX XX/XX/XXXX ACH DEPOSIT, XXXX XXXX NA PAYROLL XXXX TD BANK XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit reporting or other personal consumer reports

Unsolicited emails phone calls and publication mails to my home. 
Credit card inquiries Loan inquiries
Product: Debt collection

THIS COMPANY " CREDIT COLLECTION SERVICES '' WAS REPORTING NEGATIVE ILLEGAL INFORMATION ON MY CONSUMER REPORT AND DAMAGING MY CREDIT SCORE. I NEVER DID ANY BUSINESS WITH THIS COMPANY NOR HAVE I EVER EVEN HEARD OF THIS COMPANY. I WROTE THEM MULTIPLE LETTERS ASKING FOR DEBT VALIDATION ( WHICH THEY DID NOT VALIDATE THAT I OWED THEM ANYTHING ) AND SUBMITTED A COMPLAINT THROUGH HERE AS WELL.
Product: Credit reporting or other personal consumer reports

My credit report is still showing a case from XX/XX/XXXX, the arrest was updated in XXXX due to an appeal the the case is from XXXX I will provide the appeal case record from XXXX the statue of limitations is seven years the case is from XX/XX/XXXX please update this error as it effected a job .. remove it and send an updated copy to XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} CBA ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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 DDUpon 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 SEC # XXXX DOB XX/XX/XXXX
Product: Mortgage

I recently sold my residence and the mortgage was through Citibank. They are charging me for a " faxing fee '' of {$25.00} to provide the payoff which I did not request or authorize. They do not have any fee list posted and refuse to refund or send me my escrow balance in a timely manner. Please help as my tax dollars were used to help these greedy people but they just don't care about customers.I called Citi and was told that they sent my information because it was requested. There is no authorized form on file so they basically gave my mortgage information to strangers. the title company said it is not normal for the mortgage company to charge a fee let alone {$25.00} to fax a payoff amount. I requested the payoff amount in late XX/XX/XXXX and it was mailed at no charge so why the excessive fee?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have no idea what this account is. 

I HAVE NEVER applied for any account with CITIZENSONE Bank and have never had a account with this bank. 


This inquiry along with this account has NO merit, it has been reported to XXXX Police Department XXXX XXXX XXXX. 

This account is the result of fraud.