23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, NJ XXXX - This address is associated with an account that is not mine please delete. 

XXXX XXXX Balance Owed : {$0.00} - I never had an account with this creditor. 

XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} - I am a victim of identity theft and this is not mine. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed. 

XXXX XXXX XXXX Balance Owed : {$6400.00} - I am a victim of identity theft and this is not mine. 
XXXX  XXXX Balance Owed : {$4100.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I am a victim of identity theft and this is not mine. 

XXXX XXXX Balance Owed : {$2600.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed. 

XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} - I am a victim of identity theft and this is not mine. 

XXXX XXXX XXXX Balance Owed : {$1300.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I received a copy of my credit report with the intention of trying to take care of my responsibilities and noticed an account that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am saying that I am not 100 % sure if they are. I read in the FCRA that it said by law, I had the right to challenge anything I am not sure is accurate.

According to 15 USC sec 1781i ( a ) : if you can't provide proof, the account must be deleted. I want to have the account deleted if it's not 100 % accurate. Could you check on this and get back to me? I saw on a credit site and board, the lawyer said you have 30 days to complete this investigation. Please investigate the following account and remove it if anything is missing or not correct on it. 

XXXX XXXX XXXX. # XXXX This account has been verified, however, the original creditor said that they don't have this information, so how are you truly verifying this account? I will have to pursue legal counsel if this is the case. 

Also, please let me know who had access to my file as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am looking at my XXXX XXXX and it says I have a hard pull from XXXX made on XX/XX/2019. From looking through my credits i got a card with them on XX/XX/XXXX but not an additional one on XX/XX/XXXX. Unsure as to why this information is on my report. I am asking for the XX/XX/2019 hard pull be removed as I never signed anything with that bank for them to run my credit file again. It is appearing on my EQUIFAX report. I just want all, my credits to appear accurate and hopefully this can resolved I understand mistakes happen and just looking to fix my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered an unpaid collection of {$1200.00} on my XXXX  credit report. I proceeded to call the collections company listed on the credit report, Resolve Inc ( account # XXXX ) they were of no help. I called the original creditor XXXX XXXX XXXX and discovered they had my incorrect address, date of birth and phone number. They were billing me for services rendered during an Emergency Visit at  XXXX XXXX Hospital on XX/XX/XXXX. Since they had the incorrect information form the hospital, they never billed insurance. When I called in XX/XX/XXXX, they proceeded to try and bill the insurance with the correct information that I gave them. At this time, they still refused to remove the account from collections. I have continued to contact XXXX XXXX, XXXX XXXX Hospital and Resolve Inc. to get this matter removed from my credit report. I have disputed this situation with XXXX ( 3 ) separate times. The last denial to remove this from my credit report dated XX/XX/XXXX came after I sent a letter attachment with the dispute from Resolve Inc. dated XX/XX/XXXX. In the letter they state that they have removed my account from collections and it should not be on reported any longer with any of the credit bureaus. XXXX once again denied the dispute and has left this on my credit report. This situation has now gone on since XX/XX/XXXX and has affected my credit. In addition, XXXX XXXX Hospital sent me to collections with XXXX for {$7300.00}. I recieved this letter notice on XX/XX/XXXX. I have also sent a letter to this agency and XXXX XXXX XXXX Hospital requesting that the amount due should be removed. My insurance has covered cost for services rendered during this XX/XX/XXXX visit to their emergency room. This billing nightmare all started with XXXX XXXX XXXX XXXX sending a bill to me personally for {$17000.00} on XX/XX/XXXX. If XXXX XXXX had properly billed my insurance in the beginning, I believe this would not have become such a difficult process. It has been a time consuming and frustrating experience with all companies involved. XXXX has been the company to work with me to resolve this billing mess. Dealing with XXXX and XXXX are the last of the issues, I hope. I can not seem to get these accounts corrected working with any of these companies involved : XXXX, XXXX XXXX, Resolve Inc,  XXXX and XXXX XXXX XXXX XXXX am frustrated that XXXX will automatically assume that the side of the collections agency. This situation is a good example of mis information communicated and not resolved in an effective timely manner.
Product: Debt collection

This bill is out of my network and is a surprise! I did not know about it until it showed up on my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXt XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights 15 U.S.A 1681 SECTION 602A STATES I HAVE A RIGHT TO PRIVACY 15 U.S.A 1681 SECTION 604 A 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this credit bureau XXXX rounds of dispute letters asking that they fully verify XXXX collection accounts listed on my credit report from them as I believe that those accounts could possibly have illegal collection fees. In those dispute letters I asked that the debt be verified by providing original documents to support the claim. Each time I disputed, they " verified '' the accounts without sending original documents to fully validate the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to assert my legal rights as a consumer. Many inquiries on my report are unauthorized and illegitimate. I have not given consent to these companies to access my report and they are doing harm to my right to liberty and my 4th amendment rights. This is a violation of my privacy and the 15 usc 1681 I request the all inquiries not associated with an account be removed
Product: Credit reporting or other personal consumer reports

Thank you for addressing some of the erroneous items on my credit report stemming from suspected fraudulent activity, though there are still entries that need to be cleared. While reviewing my records, I identified items that are erroneously listed. Given my diligence in research, I've discovered that under Section 605B of the FCRA, you are legally obliged to remove accounts opened as a result of identity theft. The disputed entries are not mine. I am including the required FTC Report, as my findings indicate that both entities require these documents for a dispute. Please proceed with the removal of these entries. If there's any belief that these entries might belong to me, I request all documents bearing my signature as proofthis verification is crucial to confirm the accuracy, truthfulness, and completeness of each item. Should you fail to provide such documentation and still assert that these entries are verified, please be informed that I am prepared to take legal action. I do not tolerate negligence or noncompliance lightly, nor does my legal counsel. Please ensure the following entries are removed as they were opened without my consent or knowledge, according to Section 605B of the Fair Credit Reporting Act : EXPERIAN : XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX CHILD SUPPORT ENFORCEM Date opened : XX/XX/XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive filed many disputes with them telling them that the accounts are not mine but they continue to hold me accountable for them and they have derogatory remarks on my credit report my younger sister come to find out used my SS # for credit cards, rent a apartment in XXXX on XXXX XXXX XXXX XXXX and open a banking account she also lived at my parents house which was the XXXX XXXX XXXX and at 1 time lived at XXXX XXXX but was unit XXXX as I was unit XXXX before she was evicted due to drugs and non payment of rent shes used my sons, mothers and her daughters ss # as well to open fraudulent accounts also she fell sick in XXXX and passed in XXXX when I purchased my car in early in XXXX nothing was ever said to me but the finance amount was small when i went to move later that year was when everything exploded and I found out about it I dont know if she had someone else that was working with her because Im still to this day having non stop fraudulent charges constantly just recently I looked up two stores online and have fraudulent charges on my credit card for them and Ive never been there I need help they said that the cards were activated by a phone number in my name well that was easy for her she was on probation had no credit so her cell phone was under my XXXX account at the time of course she had everything that she needed to make sure that it was all accessible to her and I dont know how to fix this
Product: Mortgage

They are not accepting my payments. They accepted payment, and then reversed it. I am currently 55 days behind and have XXXX more payments scheduled, but they are a frad company with lots of hits for scams. They are going to try to scam me and they need to be stopped. I have no clue why they reversed my payment. The funds are in my account. They should have payment now made last week, but still show as not paid. The don't accept XXXX, so my online bank has to mail a check which has been done and then I have to wait for them to deposit said check which they have not done. They are a scam. My loan was recently transferred to them, I did not ask for this. I only owe XXXX on my home and do not need this aggravation. Shut this scam company down before they hurt more good people.
Product: Credit card

We had paid for a trip with XXXX using our Citi Credit card. The company took our money and then never returned it or paid the XXXX party for the service. The company essentially stole our money without providing any good or service. We noted this to citi multiple times noting that XXXX had taken our money and then declared bankruptcy. Citi noted there was nothing they could do besides for disputing claim with XXXX and their merchant bank. I believe this would constitute a billing error and Citi has never sufficiently answered this problem concerning the issue. It appears citi credit cards provide no protection and citi is unwilling to be responsible for stolen funds from our credit card.
Product: Debt collection

Representative calls about persist with the debt collection, pressures into making payment arrangements and when I decline, remarks inappropriately. Representative, XXXX, also commented on the nature of the bill - ( referenced that I may have been ill because my frequent ER visits ).
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor IQ Data- account # XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, I'm writing to express my concerns regarding several issues I have encountered with the credit bureau. These include inaccurate account listings, erroneous credit reporting, billing discrepancies, and accounts that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a medical collection with XXXX that was reporting on Experian and XXXX and requested validation under the guidelines set forth by the FDCPA, Texas Finance Code and HIPAA. XXXX responded but did not send any documentation to support their claim that I owe the amount reported. A demand for removal was sent to XXXX and they received it on XX/XX/2021. However, instead of removing it as they should have per federal and state law, they opted to report the disputed account to XXXX. This act has severely damaged my credit reporting and is concerning since each account newly reported was in dispute. I have attached documentation to show that the dispute had not been resolved and this act may have possibly violated several consumer protection laws.
Product: Mortgage

I am Mr. Cooper customer since XXXX/XX/XX/XXXX. 
I had borrowed $ XXXX for my property at XXXX AZ at the rate of 2.75 % for 15 years. Loan Maturity wasXX/XX/XXXX. 
During last 15 days - I had three payments towards principal {$150.00} on XXXX XX/XX/XXXX {$15000.00} on XXXX XX/XX/XXXX and $ XXXX on XXXX XX/XX/XXXX. 

But Mr. Cooper is still showing that my loan maturity as old one. 
When i called Mr. Cooper once - they told me that loan maturity remains the same even when the customer is making payment towards principal. I sent one email also to Mr. Cooper 3 days back. Then i talked to Mr. Cooper on Friday ( XX/XX/XXXX ) -  after talking to escalation teams - they said that they may be  sending me a letter explaining revised remortgage statements. 

Ideally after the payment is realized - Mr. Cooper should revise the online account to show the change - not just reducing the principal balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute is with Citi-Bank and XXXX XXXX. During the month of XX/XX/2018, I received a Sears promotions showing my credit line was still {$4000.00}, that account is now {$1600.00} a decrease with my owing {$1200.00}. I had a Home Depot line of credit of {$3000.00}. Citi Bank had already decrease my line of credit on their XXXX XXXX Card and Best Buy Cards. After being complete " fed-up '' with how they do business when I received a letter dated XX/XX/2018 that my Home Depot credit card was decrease to {$500.00}. I contacted Home Depot regarding the decrease in the credit line. I was not pleased with their response. I requested that once I paid the account balance of {$140.00}, I wanted the account closed. The customer representative stated that I could never open and account again if I closed the account I stated I do not care because " corporations '' think they can imprison customers, they say we are valued customer but they do not value us. I stated several times that I wanted to pay the money first then I wanted the account closed. I was " tricked ''. The " rep '' said I have to read you " the rights ''. I responded, yes I want you to close the account after I pay it. The " rep '' stated the account is closed. The account closed before my payment was taken. On XX/XX/2018 after speaking with another representative about the behavior of the " rep '' it was suggested that I pay the balance owed of {$140.00} that it would be before Home Depot my another report to the credit bureau. I paid the amount owed. On XX/XX/2018, I tried using my XXXX 's credit card. I found the account is now closed, I had a {$2500.00} on the card with XXXX owed. XXXX XXXX  is closing all my credit cards with them. I think it is directly related the Citi-Bank reporting. I received a letter from XXXX XXXX dated XX/XX/2018 in big letters stated that I have SERIOUS DELINQUENCY, REVOLVING ACCOUNTS TOO HIGH. Let me remain you my balances was in good standard with " them ''. I had issues with Citi Bank with how they do business. Yet XXXX XXXX is closing out my accounts that are in good standard. I only owed Home Depot {$140.00} and of that was a {$20.00} late fee that I was trying to have them to waive. However, these two banks are causing a chain-reaction on my credit. XXXX XXXX letter stated my credit score is now XXXX. If anyone view my credit they could see I had an issue with Citi-Bank. I would like this matter corrected because they are making me look as if I do not pay my debts. I know long with their cards. I do not like the malicious way they are doing business. However, I do care about how my credit is viewed. Please I need help.
Product: Mortgage

I need tax documents from my deceased mother 's savings account and mortgage with Third Federal Savings & Loan I have been requesting these forms and provided all documentation they have requested since XX/XX/XXXX. 

They refuse to provide these forms which are required by law to be provided. I need to file her income tax for last year and need this documentation. 

It should be noted that I have closed two of her accounts with Third Federal so they are willing to give me her actual money, but refuse to provide the tax documents.
Product: Prepaid card

On XX/XX/XXXX & XX/XX/XXXX, 4 transactions totalling {$1200.00} were withdrawn from my account in another city from where I live. I have only ever withdrawn money at one location, a XXXX in XXXX, Ohio. These transactions were at two different XXXX locations near XXXX, Ohio. My card has been in my possession the whole time, even after reporting the incident and closing it. Today, XX/XX/XXXX I got a letter from my work payroll 's bank " Money Network '' stating that I will not be receiving anything from it due to " the validation of the digital transaction ''. I believe my card may have been skimmed & someone used a fake one with my information to withdraw money at ATMs nowhere near me. I was at work or just about to clock in, at my job in XXXX, Ohio at the time of these transactions.
Product: Credit reporting

experian received my request for investigation of XXXX items on my credit report XXXX/XXXX/2016. I received a letter XXXX stating that XXXX items in my request were not going to be investigated, when I called experian today to find out why I got no valid reason. I was told there was a letter sent regarding the results of the full investigation at the same time, I voiced I had not received, I requested another copy of investigation results and was told no, to check '' website '' for new credit report. I have no idea what was addressed and who verified information regarding my investigation as I requested. This violation of my rights under the FCRA needs to stop.
Product: Debt collection

I am writing to file a complaint against SYNCB/TJX CO regarding inaccurate information on my credit report. Specifically, a collection account has been placed on my report by SYNCB/TJX CO in violation of the Fair Credit Reporting Act ( FCRA ). 

Nature of the Complaint The Fair Debt Collection Practices Act ( FDCPA ), which is enforced by the CFPB through Regulation 12 CFR 1006, requires collection agencies to provide validation information within five days of initially contacting a consumer ( [ 12 CFR 1006.34 ( b ) ( 5 ) ] ). This validation notice details the debt amount, creditor name, and other crucial information to allow the consumer to verify the debt 's legitimacy. 

However, SYNCB/TJX CO has placed a collection account on my credit report without providing the required validation information. This lack of information prevents me from exercising my right to dispute the debt 's accuracy according to FCRA regulations ( [ 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ] ). As a result, the negative information on my credit report is misleading, misrepresentative, and deceptive. 


Thank you for your time and attention to this matter. I look forward to a prompt resolution. 

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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the address you have on file for me. The address you have listed, XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX, is incorrect. My correct address is [ Your Correct Address ]. I am writing to request that you update your records to reflect my correct address. 

I have confirmed my correct address with my local post office and on my official documents. I have also included proof of my correct address with this letter. I request that you update your records as soon as possible to ensure that all future correspondence is sent to my correct address. 

Please confirm in writing when my address has been updated in your records. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

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

As I was applying for an apartment my credit report came back with an account I do not recognize
Product: Credit card

Te interest rate on my sears card is now at 25.49 %. I do n't use it or carry a balance, but it makes me mad that a company can charge that much with no recourse. There used to be laws regarding unreasonable interest rates like that, but new laws have allowed for this kind of predatory credit practice. One more reason for me to avoid shopping at Sears.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

COMENITY BANK/NY & CO stated that they would remove this negative account/information once paid in full. This account was paid in full in 2015. This debt is CURRENTLY being listed as CHARGED-OFF debt, when in fact it should state " PAID OFF '' debt.