23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally file a complaint with the Consumer Financial Protection Bureau regarding an ongoing issue of identity theft that has severely impacted my financial well-being. Despite making multiple reports to my local police department, I continue to experience unauthorized use of my personal information. 

It has come to my attention that someone is using my identity to engage in activities that are detrimental to my credit and overall financial status. Specifically, I have identified fraudulent accounts and debts associated with my name, including : - XXXX  : {$1200.00} - XXXX XXXX XXXX : {$870.00} - XXXX  : {$1100.00} I have reviewed my credit reports, and the information contained within them is inaccurate and does not reflect my actual financial behavior. 

I am deeply concerned about the implications of this identity theft and the lack of resolution despite my efforts to report it to the authorities. I kindly request your assistance in addressing this matter and taking appropriate action to protect my rights as a consumer. 

Thank you for your attention to this urgent issue. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 4. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX and experian refused to remove inaccurate information from my credit reports on several occasions even after documentation was provided of the inaccuracy. Hence creating an obstacle and personal hardship due to an inaccurate credit score.
Product: Credit card

Hi, This is XXXX XXXX. I hold my Bank of America credit card since XX/XX/XXXX. From the beginning to till XXXX XXXX, Bank of America reported wrongly my credit information to other person 's SSN. Due to this my credit score is heavily affected and I am in big loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX on all 3 of my credit reports. I have tried and called all the bureaus and they keep telling me different things about this account. This account was a judgement, and my wages were garnished for years until collections amount was paid in full. The XXXX XXXX XXXX took all of their remarks off all my credit reports and I think the XXXX XXXX should be required to do the same. In my research of laws in NY State, there is a law call the NY 5 year purge rule. It states that any collections or judgement that have been paid in full from the first D.O.F.D. shall be removed from all credit reports ( D.O.F.D. was XX/XX/2011 ) I have provided all sorts of proof that this judgement has been paid n full and the account should be removed from all of my credit reports. I will include them with this complaint as well.
Product: Debt collection

Your organization has claimed that I owe a debt to your company, but I am unable to recall any outstanding payments or dues that I might owe to your organization. As per the Fair Debt Collection Practices Act, I request you to validate the debt and provide the required information to me before I proceed with any further payments. I will pay the amount under one condition if you can provide the following details : 1. Validation of the debt that is, the actual accounting. 2. the validation of a signed invoice 3. a copy of the contract binding both parties, myself, and your company, in a letter by certified mail so that there is an independent witness to it having been delivered. The accounts in question are as follows : XXXXXXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}, XXXX, XXXX. XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}, and XXXXXXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}. I have already contacted other bureaus, and they have removed these accounts from their records after finding an error in the records. I am perplexed as to why your organization has verified them even though the other bureaus have removed them. I request you to delete these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Mortgage

Vectra Bank did not get the loan closing document completed in time for the scheduled closing and we were notified 3 days before closing. Have scheduled time off from work, moving truck arriving, purchased furniture arriving, housing lease ending - no place to live. Applied for the loan over a year ago while house being build. We provided all the paper work and documents on time. There appears to be no penalty if the mortgage company fails to complete their work for an agreed upon closing time, resulting in economic losses for the consumer.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into XXXX do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked XXXX  to Please block, remove or delete this information pursuant to section FCRA 611. XXXX is the reason why this has happened!
Product: Debt collection

On XX/XX/year>, I reached out to XXXX, via dispute center, notifying them of a fraudulent account, that posted to my credit report. After their investigation the account in the of {$1900.00} was not removed. I then reached out to XXXX, of an error posted to my account and after review, the rep came back to phone and stated that she apologized for the incident and that it would be removed on their end. I waited for weeks and received nothing from XXXX, in writing stating that the account had been removed. I then filed another complaint with XXXX asking for the documents used in their investigation. XXXX, had the consumer mail me documents used. The documents used, do not have my signature on them. The signature on documents are those of a male, living in XXXXXXXX XXXX  I submitted once again, a dispute with XXXX, this time attaching the documents, that clearly were not signed by myself, but by someone with a different name, living in XXXX. XXXX returned the investigation after 30 days with no changed results. I have been trying to get this issue handled for years now. The creditor deletes the item and places it back onto my report every year, although they clearly have documents showing someone else 's signature from XXXXXXXX XXXX I have now been blocked from disputing the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Creditor Name DEPT OF EDXXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$9600.00} Highest Balance {$6200.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$0.00} all of them too many to list Creditor Name XXXX XXXX Account Type Unsecured Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 18 Months Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$1000.00} Payment Status Current Worst Payment Status 60-89 Days Late Date of Last Payment XX/XX/XXXX Amount Past Due XXXX XXXX XXXX XXXX, TX XXXX wrong address wrong names XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX
Product: Debt collection

On Friday, XX/XX/2018 XXXX XXXX called 6 times. This is in reference to a Synchrony Bank/JC Penny credit card. 

I have personally reached out to Synchrony several times to resolve the issue and I have scheduled 6 months of reoccurring payments at their suggestion. I am working to remedy this account and 6 calls in one day is UNCALLED FOR!
Product: Payday loan, title loan, or personal loan

I made contact with Advance America and left a couple of voicemail messages as nobody answering the phone. 
I respectfully requested for stop payments on the payday loan as my XXXX  XXXX XXXX checking account ending # XXXX has a negative balance of around {$400.00} of excessive overdraft fees. 
I am not able to have any funds on my account because of my financial hardship and going through a difficult time with family Hardships and Coronavirus Pandemic issues.
Product: Debt collection

There is a collection in my reports XXXX XXXX and XXXX shows original creditor as XXXX XXXX XXXX which was not authorized by me the contract is not signed by myself authorizing this account which is an FCRA violation!! Second this account has been re-aged as the account has been closed since 2016 which is another FCRA violation in the state of Texas. Third I have never jointly signed with XXXX XXXX on any account as stated on my report.This account is clearly inaccurate and or fraudulent and needs to be removed.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Care Credit, a division of Synchrony Bank, for their failure to accurately report my credit card usage and payments to the national Credit Reporting Agencies ( CRAs ) as mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This negligence has had a profoundly negative impact on my credit score, severely hindering my ability to secure a mortgage for my first home, a dream that seems increasingly unattainable due to Care Credit 's apparent disregard for consumer rights and credit reporting accuracy. 

Despite my diligent efforts to manage my finances responsibly, including paying down my Care Credit card, Care Credit has consistently failed to update or correct my credit utilization ratio. This inaccuracy has unjustly portrayed me as an overextended borrower, casting a long shadow over my creditworthiness and character in the eyes of potential lenders. It is deeply concerning that Care Credit 's actions, or lack thereof, directly contravene the FCRA 's core objective to promote accuracy, fairness, and the privacy of personal information in consumer credit reporting. 

The FCRA clearly stipulates that entities like Care Credit are obligated to furnish accurate and updated information about consumers to CRAs ( see 1681s-2 ). The failure of Care Credit to comply with these legal requirements not only undermines the integrity of the credit reporting system but also inflicts unwarranted financial and emotional distress on individuals striving to achieve their financial goals. 

It is disheartening to witness how Care Credit 's negligent reporting practices have impeded my financial progress and tarnished my reputation among lending institutions. Their inaction reflects a glaring indifference to the principles of fairness and accuracy upheld by the FCRA, casting doubt on their commitment to consumer rights. 

I hereby urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and to hold Care Credit accountable for their failure to adhere to federal law governing credit reporting practices. Consumers deserve to be treated with respect and fairness, particularly when their financial futures are at stake.
Product: Debt collection

the account was overpaid and they close account they sent me a check for XXXX for the overpayment and then stop payment after the account was closed they continue to send me bills each month that increase each month and I have not made any charge since the account was closed I have been trying for the last six month for them to correct the problem. On XX/XX/2019 I receive a letter from Walmart/synchrony account was sold to XXXX XXXX XXXX XXXX. 
another letter that XXXX XXXX would be servicing the account
Product: Debt collection

This complaint is being filed under the Fair Debt Collection Practices Act. XXXX responded to my complaint and stated that they had filled a lawsuits against me which i had no ideas that I owned them anything or had received any letter from them. It is an Unlawfully lawsuit that XXXX had filled against me without notification and/or justification on or about XX/XX/XXXX. The debt that this debt collector is trying to collect is a Fraudulent account in the amount of { {$830.00} } opened per my credit report on or about XX/XX/XXXX. This is not my debt it is Fraudulent account. XXXX has never made contact with me of any kind with regard to this debt. XXXX placed this debt on my consumer report and fingerhurt also place this debt on my consumer report. Its seems like both companies are trying to collect the debt. XXXX has continued to harass me in trying to collect on this debt by continuously placing the debt on my consumer reports without any contact or notification with me, and now without notification and/or justification has filed a lawsuit. XXXX is causing me my health. now I have no place to stay and no where is willing to rent me a place and with this account on my consumer reports, I can't get approved for anything. please removed this account from my consumer reports so my life to get back to normal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My loan was transfered to shellpoint from sls around 4 months ago. My sls loan was for 15 years. The first XXXX was interest only at {$210.00} a month. The last XXXX were a repayment period at 0 %. I am in year XXXX of interest only. Shellpoint changed it to XXXX  years at XXXX XXXX at {$420.00} a month. Then the next month they changed it to a XXXX year loan at XXXX  % at {$870.00} a month! Now the XXXX statement ( received the XXXX, due the XXXX ) shows XXXX for XXXX ( and a late fee because i didnt budget for it and couldnt pay it ) XXXX XXXX payment is XXXXXXXX I sent a letter. Nothing has been fixed. The XXXX reps are clueless and make stuff up as they go. After calling several times I am convinced they are using stalling tactics. They sent a letter stating they are requesting original loan documents which means they are making up numbers!
Product: Debt collection

On XXXX XXXX, XXXX I was in court in XXXX Oregon for a claim that was filed against me by the Collection Bureau of Walla Walla XXXX XXXX on XXXX XXXX, XXXX. Listed are bills that include City of XXXX XXXX for {$37.00} which was incurred and the statute of limitations started on XXXX XXXX, XXXX when the account was closed and the deposit was applied. Oregon Law states that the statute of limitations must not exceed 6 years which is 2190 days and this bill was incurred 2205 days prior to filing. So it is exempt. There is a bill for XXXX XXXX XXXX for {$250.00} for eye glass lenses. These were never paid for nor picked up and are still in the possession of XXXX XXXX XXXX  They are not my prescription nor did I order them. In the process of figuring all of this out, Collections Bureau of Walla Walla , XXXX obtained ALL of my medical records without a court order or without my written consent. XXXX advised me on XXXX/XXXX/XXXX at XXXX XXXX XXXX that she had in her possession my medical records that listed my diagnoses, history, and medication. This claim was purposely filed XXXX miles from their office instead of filing it with the court that is only XXXX miles from their office.
Product: Credit reporting or other personal consumer reports

I found numerous account on my credit report that were not open by me, please remove the fraudulent account from my credit report as soon as posssible
Product: Credit card

An application for an American Express XXXX XXXX with number XXXX was denied on XX/XX/2024, Once I provided the company with my signature, social security number, when the law states that only must be given to government agencies, as stated in Section 7 of the Privacy Act, and the negotiable instrument aka application it became legally binding, so Im requesting them to perform their fiduciary obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted EQUIFAX multiple times, provided faxed copies of identification verifying my personal information, yet they continue to display incorrect information. 

Furthermore, EQUIFAX has reported a paid account incorrectly resulting in a loss of OVER 100 POINTS TO MY CREDIT SCORE! Both the lender and I have provided documentation as per their ( Equifax 's ) request and they have not updated the file correctly.

As one of the 3 Major Credit Bureaus, I expect the organization to be held to the same standards as the lenders that utilize them.

Equifax sent me a letter rejecting a dispute after I provided irrefutable documentation from the lender and then had the audacity to 'confirm ' my personal information YET IT IS STILL INCORRECT! 
I'm beyond frustrated!
Product: Debt collection

I recently applied for an apartment in XXXX, TX and when they did a background/credit check I was told that I had an outstanding collection with Procollect, Inc. for {$3700.00}. Decided to pull my credit report from home, saw that the collection dates back to XX/XX/XXXX. Original creditor : XXXX XXXX XXXX XXXX . Account # XXXX or XXXX. Does not state as to what the collection is for, non-payment of rent or property damages? 
Tried contacting Procollect, Inc. @ ( XXXX ) XXXX and ( XXXX ) XXXX more than once, never received a callback. Yet, I noticed that when I filed a dispute through all 3 credit bureaus that my credit report now shows a Recent Delinquency Date : XX/XX/XXXX and XX/XX/XXXX. How? Why did they update/add recent delinquency dates without having contacted me in the first place? I have never received a letter in the mail informing me about the collection, nor have I received any calls. 
This is the only thing that is not allowing my rental application to go through. And I have a very short time frame to validate this alleged debt collection. My income is also limited due to the recent Covid-19 Pandemic and can not afford to pay off the entire collection that they say I owe. However, I am willing to make a settlement payment for this alleged collection in good faith that they then will remove the collection from my credit report, as well as provide me with debt paid verification letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX This complaint was filed on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a charge-off account with BaXXXXk XXXX XXXX ( it was originally charged-off on XX/XX/2016 after a 30 day late payment ). Not sure why they charged-off that quickly but that's here nor there at this point. I have had nothing but issues with this account since I started trying to get it resolved. Incorrect reporting galore - they're reporting a 60 day late with XXXX, which is incorrect based on information they sent to me, they're seemingly reporting 90 day late with Equifax. I paid the account off in full, for the past due amount of {$460.00} ( though I just recently talked to someone that made it seem like the original charge-off amount was less than that ).

XXXX is reporting it as " Legally paid in full for less than the full balance '' even though it had been reporting " Paid, charge-off '' which is how all 3 bureaus should be reporting. They're also showing no reporting since the 30 day late until last month, where is says " CO ( Charge Off ) '' and showing 'Time Since Negative ' is 1 month ( yet, for the longest time it was showing 2 years ).  They're also not showing my XXXX XXXX account that I closed. 

Equifax is even worse, they had been reporting " Bad debt, sent to collection '' and now they're reporting " Account paid for less than full balance '' and is not reporting it as " Paid, charge-off '' like they should. 

TransUnion seems to be correct in the balance but I am not sure how they are reporting the account else-wise. They are also not reporting my XXXX XXXX and XXXX XXXX accounts that were recently closed. 

Needless to say, this has become very frustrating. I need help getting this resolved. I have attached files that show the incorrect reporting.