23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX org now have first national collection noticed on my credit report called national collect told me the dept was for service at a XXXX mass. address i told them i never lived in XXXX they told me to go file with police after police wanted a copy of contract i have been trying to get a signed contract for over 8 months nat collect and XXXX have not sent me a copy ihave tried with XXXX letters to them each XXXX deleted from my credit report but the other XXXX have not but after 6 months they did remove the false address in XXXX but they wont remove the collection of {$110.00} i asked them to send me any info how did they verify the bad dept send me a copy of a contract never any response
Product: Debt collection

My name is XXXX XXXX and I am submitting this complaint on behalf of myself without any influence of a third party or agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint regarding the continued reporting of the fraudulent items on my Credit Report. It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records ( learned through more research both parties require ). Please remove these the Following items completely from my Credit File : XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

On XX/XX/31, I sent a notice to validate to Medical Data Systems in regard to several items listed on my credit report under their collection. As a response, Medical Data Systems provided itemized medical records and balances obtained from the local hospital or services provided and medications received. They advised that the response was verification pursuant to Fair Debt Collection Practice Act, however this is a violation of my HIPPA rights. Medical Data Systems did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights and therefore should not be reflected on my credit profile.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, account XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. States that I have a right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states that a consumer report agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Report Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) After reviewing my recent credit report, I have identified the following inquiries that I do to recognize or authorize : Disputed Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have violated my federal protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX account # XXXX XXXX XXXX acount # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account with out my writing instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the folling items of information any other adverse iteam of information, other then records of conviction crime which antedates the report for more then 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate
Product: Credit reporting or other personal consumer reports

I am submitting this complaint based on the ongoing harm caused by Experians refusal to address these issues. XXXX XXXX Experian Information Solutions , Inc. XXXX XXXX XXXX  ) provides a clear precedent that Experian is required by law to reinvestigate disputes about personal identifying information and account inaccuracies. In that case, the court affirmed that such disputes are protected under the FCRA, and Experians failure to act constitutes both willful and negligent violations. 

Experians refusal to reinvestigate has severely impacted my credit score and caused undue harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few accounts on my credit report that are not mine and also a couple of inquiries that I did not authorize
Product: Money transfer, virtual currency, or money service

Please I want all the money cash app took from me $ XXXX $ XXXX I took money from I spent 5 years trying to get it back And no one ever available to talk to me when I try to communicate with them in the app They took {$3800.00} + and inflation fees Because it its been 5 years
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple letters to the Credit Bureau but havent received any response from them. The negative accounts are persistently reporting on my Credit Report, which causes negative outcome to my credit. I would like to request for an immediate steps for the removal of the accounts reporting on my credit report in violation of Federal Law. This information seems to be misleading. 
XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXXXXXX XXXX : {$2500.00} XXXX XXXX XXXX : {$1200.00} XXXX XXXXXXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance {$360.00} Collection : XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX : {$340.00} XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} Late Close : XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account listed below on my credit report. This account is being reported with errors and inconsistencies that violate multiple sections of federal law. 

Account Details : Creditor Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Type : Collection Account Number : XXXX Balance Reported : {$4000.00} Status : Collection/Charge-Off Violations and Inaccuracies : 1. Failure to Verify the Debt ( 15 U.S. Code 1692g ) : Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide verification of the debt upon request. No such verification has been provided for this account, making its reporting invalid.

2. Failure to Cease Communication After Dispute ( 15 U.S. Code 1692c ) : Despite disputing this account, the derogatory reporting continues. Federal law requires communication to cease during the dispute process unless verification is provided, which has not occurred.

3. Inaccurate and Misleading Reporting ( 15 U.S. Code 1681e and 1681i ) : The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to maintain maximum accuracy in their reporting.

This account shows a balance of {$4000.00} and a status of Charge-Off/Collection, which is contradictory and misleading.

No payment history or activity justifying the listed balance has been provided.

Comments indicate placed for collection, yet the balance remains unverified.

4. Failure to Issue a Form 1099-C for Charged-Off Debt : Per IRS regulations, when a creditor cancels {$600.00} or more of debt, they are required to issue a Form 1099-C for tax purposes and report the cancellation to the IRS.

I have not received a Form 1099-C for this account, raising concerns about its validity and compliance with IRS regulations . 
5. Recent CFPB Lawsuit Against XXXX : The Consumer Financial Protection Bureau ( CFPB ) recently opened a lawsuit against XXXX, which is reporting this account, for its failure to properly investigate disputes and validate debts. This lawsuit highlights systemic issues with Experians practices and raises further questions about the accuracy and legitimacy of the information being reported in my case. 


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

Inquiry on XX/XX/XXXX by XXXX XXXX XXXX is a act of fraud and was not requested by my nor did I give anyone else permission to apply for any credit product in my behalf. I spoke with a fraud specialist on XX/XX/XXXX. Upon clearing up some previous issues, it was suggested to me to add a fraud alert to my account so I will be notified by the prior to any inquiry being performed. I was not contacted by XXXX prior to them performing a inquiry nor could they provide any proof that someone received permission from me to run my credit.
Product: Money transfer, virtual currency, or money service

I bought an item thru paypal and I did not receive it. I contacted paypal. They sent me 2 notices on about escalating the issue but I did not receive them as I was on vacation. I had already made a complaint.  There should be no escalation needed by me, especially in such a short time frame. Paid with Visa VISA Debit Card XXXX You'll see " PAYPAL XXXX '' on your card statement. 

Ship to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX United States Category Retail Transaction ID XXXX Seller info XXXX  XXXX XXXX, XXXX. 
http : XXXX Invoice ID XXXX Purchase details 18V X2 ( 36V ) LXT LithiumIon Brushless Cordless 14 '' Chain Saw Kit - AU {$99.00} Total {$99.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called COLUMBIA DEBT RECOVERY for information regarding my debt. They stated I owe around {$7000.00} and now with interest it has come close to {$11000.00}. Being that I believed that was incorrect I asked to specify to me the exact amount of months I owe. Into which the COLUMBIA DEBT RECOVERY could not provide the exact amount of months I owe, all they have is an amount the original creditor said I owe. Which to me seems outrageous that a company can just say you owe whatever they say and they can stick it on to your credit without any pushback. So this is me pushing back. Like I stated before I am not avoiding responsibility, on the contrary I would like to settle this, but without the proper account of the exact months I owe and for them to bluntly lie about the month I left is horrendous to me. I at the maximum owe them 3 months of rent from XXXX XXXX XX/XX/XXXX. I was gone by XX/XX/XXXX like they requested and they are wanting to add an extra 2 months that I wasnt not there for anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$730.00} XXXX  XXXX {$0.00} XXXX   XXXX {$850.00} XXXX  XXXX {$800.00} XXXX   XXXX {$460.00} XXXX XXXX {$720.00}
Product: Money transfer, virtual currency, or money service

My Pay-pal account was permanently limited on XX/XX/2022 without any notification. 
They just emailed that it has been limited, it really inconvenienced me in terms of withdrawal and i can't do any transaction. 
As per now the account balance is XXXX, but i was expecting some amount by the time i realized that the account was limited. 
Looking forward for your feedback.
Product: Mortgage

We transferred title on property encumbered with XXXX mortgage and note serviced by NationStar Mortgage , LLC. XX/XX/XXXX, on the same day the closing agent, title company paid off the mortgage balance.. 
On XX/XX/XXXX we requested in writing to NationStar a written and recorded proof of Release and Satisfaction of Mortgage, as of this date no response. Our credit reportswith XXXX credit bureaus show said mortgage balance unpaid. Escrow account not involved. 
We are attempting to correct our credit scores prior to purchasing another home. 
Also need written proof the mortgage is recorded as Released and Satisfied.
Product: Mortgage

When I purchased the house there were agreements made for repairs ..they were never repaired. XXXX bank owned it and in a month sold to wells fargo. The realtor assured us we only needed him it was a home that requires inspection for the type of loan it was Attached is pictures of contract. The add for The home was placed by tidewater properties XXXX XXXX XXXX was our realtor. My wife became deathly ill and we could figure it out nor could the dr.it took years.. andover those years many more problems became apparent .. the roof was never fixed called the contractor who did the work.. they told him to bandage it to the best of his ability. The air-conditioning company could not reach drain lines for condensation it ran under the house. The new pipes in the add was untruthful it was old steel pipes ..no lead inspection.. and ad water reports. Dispite this we worked with the bank let them know of problems the house is condemnable. The well was 30 feet. The inspector XXXX XXXX was friends with XXXX XXXX ..he passed the house.. lost my job of 15 years to take care of my wife who was dying with no answers ... We did forbearance in hopes of saving the house made 7000 lump payment. We had pmi on the home we consistently shared this info with wells fargo. State farm dropped our home owners insurance dropped us because it was unsafe. Also let them know. Mold started to appear from the unfixed roof 5 layer of shingles in spots ... water was running in the walls first was green mold then black mold and finally purple the most deadliest mold.. my wife was diagnosed with lupus sle with organ involvement XXXX XXXX and XXXX  she has XXXX been in comas my kids watched thier mother XXXX infront of them and me loosing my wife XXXX XXXX XXXX and XXXX  are a deadly combo.. we also found that behind the wood paneling was nothing but frame work no insulation. We informed the bank we feel they were fraudulent sold the house and so we're we .we notified the bank every step wells fargo. XXXX  to be workingt things out..we put every bit of cash we had to bbuy this hhouse wew were working on deed in lieu and other options when they sold my mortgage to rushmore hous
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On TransUnion the date last active is ( XX/XX/XXXX ), on XXXX its ( XX/XX/XXXX ), and on XXXX its ( XX/XX/XXXX ). If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account XXXX XXXX XXXX XXXX XXXX XXXX ; Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in conjunction with CFPB complaint XXXX. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet, causing me to have unauthorized charge on my XXXX  XXXX credit card. I had try dispute the account XXXX XXXX, Bal : {$3700.00} XXXX with XXXX, Equifax, and XXXX. They had taken this account off my credit report, but now it's back on my credit report without notifying me, I had disputed again and provide them proof that it was unauthorized use of the card.
Product: Debt collection

I was involved in a motor vehicle accident in which another car impacted my vehicle. I began receiving threatening letters from XXXX XXXX. I attempted to contact them to tell them that I am insured, and to contact my insurance provider. I then received these letters from this company. This is clearly illegal harassment, as I told them they were to cease contacting me immediately and to contact my insurance company.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and dispute the following items on my credit report, as they are inaccurate and do not comply with the requirements set forth in the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e ( Accuracy of Reports ) and 15 U.S. Code 1681i ( Treatment of Inaccurate or Unverifiable Information ).

Under 15 U.S. Code 1681e, consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. Furthermore, according to 15 U.S. Code 1681i, if any item of information is found to be inaccurate or can not be verified after a reinvestigation, the agency must promptly delete or modify that item.
Product: Mortgage

I got a loan for a mortgage in XX/XX/XXXX from USBank. In XX/XX/XXXX they transferred the loan to USBank home mortgage. My payment was over XXXX a month and then reduced to XXXX a month. In XX/XX/XXXX I received a notice that my escrow analysis stating that I was over XXXX short and my payment would go to XXXX if I did n't pay the escrow shortage. I could n't understand how it could be so short since taxes and home owners insurance increased very little. I called them several times without any resolution or explanation on how my escrow was short. I have worried about this for XXXX months getting no actual explanation. I asked several times to sit down with a mortgage person and go thru all the paperwork to explain to me where and when the shortage transpired. I was told they do n't have anyone available since mortgage people are only for new loans or applications. What ever happened to service after the sale. I called my branch bank who tried to help me only to tell me to deal with the same people who had no explaination. I was so annoyed on my last call to them I lost my composer out of frustration. They do n't project concern on the pressure and uncertainty that I worried about for months. Today I receive a letter of apology that it was a bank error. As a financial instituion how could no one explain this for XXXX months and let the error continue for XXXX months. I had to be the one to force them to admit the shortage that was due to their negligence and incompetence for XXXX months. The error is very upsetting since they took so long to adjust my payment. Now I will have a higher payment that will put undo burden on my monthly budget. In the letter received today they are offering the escrow shortage can be spread over XXXX months. I find the lack of explaintions I was entitled to is unacceptable. 
I wonder home many USBank customers have been impacted and maybe do n't even know.
Product: Student loan

First of all let me tell you what happened in the beginning. Back in XXXX, I received the email stating that some or all of my loans were eligible for IDR account adjustment forgiveness. I need to opt out of ONE and only ONE of my loans so that I could consolidate it with my Parent Plus Loans. Instead of doing as I asked, Mohela opted me out of ALL of my loans! 

So after literally months of issues dealing with that- they finally got it correct and my loans from my letter in XXXX were actually forgiven in XXXX ( a full month later than they should have been! ). My Mohela account still shows one of those loans in repayment with a monthly payment of over $ XXXX - and that is also what is showing on my credit report. It's been XXXX  months and still sitting in repayment??? WHY??? No one can tell me. I've asked multiple times about the refund for the overpayment of these loans- only to be told things like - you won't get a refund, it will be applied to your current loan?? BETTER NOT BE! Oh, so you would like it refunded? YES I WOULD Ok, I'll note your account. Wait a few weeks call back - go through the same thing - but ask why am I having to make payments on this new loan when it should be forgiven now also? Oh we have to wait for the dept of ed to tell us. me - ok, but can we put it in XXXX No have to wait for dept of ed. So I just make payments that I know I am going to have to wait months to be refunded - yeah that is kinda silly YOU THINK?? UUGGH The last three business days, I have been on the phone with Mohela for over 16 hours. Most of that time on hold waiting to speak with a supervisor because I actually know more about my account status than the 'I 'm in training ' people do! 
So I have been told my refund has been requested. Your refund request was cancelled. I'll open an investigation, wait ten business days for accounting to respond. STILL WAITING - it was submitted on XX/XX/28! You have two refund requests. You don't get a refund. It's up to the dept of treasury. It's up to the dept of ed. We don't have anything to do with the refunds. It takes ninety days from the date of forgiveness. IT'S BEEN MORE THAN NINETY DAYS AND YOU HAVEN'T EVEN REQUESTED IT FROM THE DEPT OF TREASURY. 

Seriously what do I have to do to get the refund for my overpayments?? Why is this so hard? Why can't I actually speak to ANYONE at Mohela that knows ANYTHING? I am once again on hold as I type this, waiting for the person in 'training ' to get 'permission ' to transfer me to the supervisor queue... so far this call has been 50 minutes and I'm not even in the right queue yet! Why do I not get the call back option? Why do I get disconnected all the time? So now at XXXX XXXX, I get sent to the correct queue and they are only open for one more hour and the in training rep tells me the wait time is one to one and half hours! This is ridiculous! 

Lastly, why do I have to listen to the XXXX XXXX at the beginning of the call stating that payments will restart in XXXX -two months past that already!
Product: Money transfer, virtual currency, or money service

I had fraudulent activity on my cashapp account. I disputed the transactions and closed my account at the same time. Cash app sent me an email stating the dispute had been resolved and the money was returned to my cash app accountbut my account had already been closed. So where is the {$400.00} that shouldve been sent to me? I contacted cash app who told me they have no clue where it wouldve gone, but maybe my states unclaimed money would get it eventually for me to claim it. I would like the {$400.00} sent to me in a way that I can access.