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

I have found fraudulent account on my credit report from XXXX opened on XX/XX/year> with the account number XXXX.
Product: Debt collection

I was in the process of buying a home and a few days before closing my lender explained that new collections hit my credit report. I immediately called XXXX XXXX agency and paid the amounts and asked that they delete the collections because I didn't receive notice of the collections. My credit score prior to this occurrence was in the 800 's and now I'm in the mid 600 's. I have two issues with how this was handled. 

1st- the medical debt was one occurrence and they reported it four times which decreased my credit score greatly. 

2nd- I didn't receive bills regarding these collections and If I did, I thought I paid them in XX/XX/2017. Their billing system is very confusing and I was working with the hospital and insurance. They didn't call me to ask why they didn't receive payment and I thought the issue was resolved. I had over 100 k in medical bills and it's very confusing to know what's paid by insurance and what i was responsible for. They claimed that they sent letters but were very vague and unwilling to help me. I am more than willing to pay my bills but XXXX XXXX XXXX don't make it easy. I even called in during this time to verify the collections I paid below and I wasn't notified that there were others sitting out there, I would've paid them had I know. 

3rd- I think it's unfair that my score goes down over a 100 points for services that were unavoidable. I have never had collections in the past and my other trade lines are paid on time and with minimal balances. I am currently doing a renovation loan and thought the issue was resolved until my mortgage lender pulled my credit. The other scoring models I subscribe to rate my credit much higher. I am going to pay a higher rate and fees if this issue isn't resolved and I am hoping you can help with this matter. 

I appreciate your time and please feel free to call me at XXXX or email me at XXXX XXXX XXXX XXXX XXXX Check # XXXX was mailed to XXXX XXXX XXXX for receipt by XX/XX/2017. 




Funds were withdrawn from your XXXX XXXX account on Info Not Available. 


Pay XXXX XXXX $ XXXX On Info Not Available Info Not Available PAPER CHECK Processed XXXX XX/XX/XXXX ( Estimated ) XXXX
Product: Credit reporting or other personal consumer reports

Original complaint filed : XX/XX/year> Request that inaccurate data be removed ; 1. US Dept of Education # XXXX POB XXXX XXXX, WI XXXX Telephone : XXXX This account is incorrect. 

Creditor has no record of this account. It is not mine. 

Please provide evidence and the source of this inaccurate information so that I may pursue further complaints and/or remedies. 

FCRA : FCRA 616.Non Compliant. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Debt collection

Company informed me, at the end of a 3 month forbearance, that my " application submitted '' was denied for additional relief. It informed me my only option was short sale or deed in lieu. I never applied for a second round of relief ( but was planning to at end of the initial plan. The letter falsely claims the " application I submitted '' was denied, but allows for me to appeal for a second independent review, even though I was never given the first chance to submit an application, to include hardship documentation. That right is now taken away, and only option is for an independent second review? Says we were denied as they were not able to qualify hardship, and that our property was not in a federally declared disaster zone? In the application process, there is an opportunity to submit hardship documentation, but since we did not yet apply ( they have since stated that this was due to an internal review, not any application..and also stated that it was not ever presented to us in any prior documentation that any such review would occur on our behalf automatically and without any representation or forewarning, I just received it in the mail with a less than 14 day window to resolve. I spoke today with employee XXXX, id # XXXX with Specialized Loan Servicing ) During the forbearance plan, we were able to make past due payments to get the account caught up, and now at the end of the forbearance we wanted to apply to have that new amount ( 3 months forbearance ) either stretched out over a period of time or at the end of the loan, but we are being denied that option. Between XXXX and XX/XX/11 we paid amounts equal to 10 monthly payments to fix our past debt, and now they are falsely claiming our application has been denied? We own a small business that has been forced closed for long periods of time over the past 11 months ... I am unsure what they need to prove hardship, bujt to only offer us short sale or deed in lieu within 14 days or face a foreclosure process in time of a national emergency?? They are crooks that should not be allowed to conduct financial business in our Country.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account #, 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 without my written instructions
Product: Credit reporting or other personal consumer reports

I requested that Experian, XXXX, and XXXX to remove unmailable addresses and unreachable phone numbers and improper names off my consumer credit report that was not done. There should only be XXXX name XXXX mailable address and XXXX phone number and employment on file. 
Pursuant to the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Privacy Act of 1974, 5 U.S.C. 552a, I am formally requesting the removal of all unmailable addresses and personal names from my credit report. Additionally, I am invoking my rights under applicable Code of Federal Regulations ( CFR ) provisions to ensure that my private information is not improperly retained or disseminated. 
According to 39 CFR 111.5 and 39 U.S.C. 3001, unmailable addresses should not be maintained in records that affect consumer reporting. Please ensure the immediate deletion of any such entries from my credit file.

Under the Privacy Act of 1974 ( 5 U.S.C. 552a ( e ) ( 7 ) ), federal agencies and entities handling personal data must ensure the accuracy, relevance, timeliness, and completeness of records. The maintenance of outdated or incorrect addresses constitutes a violation of these principles. 
16 CFR Part 601 mandates credit reporting agencies to take reasonable steps to ensure consumer reports are accurate and up to date. Failure to do so exposes the agency to potential civil liabilities.

As per 15 U.S.C. 1681c, obsolete information must be excluded from consumer reports. Any name variations or incorrect names should be immediately deleted to prevent inaccuracies and fraudulent misuse.

The Fair and Accurate Credit Transactions Act ( FACTA ), which amends the FCRA, grants consumers the right to request the removal of incomplete or incorrect personal data ( 15 U.S.C. 1681i ( a ) ).
Product: Credit card or prepaid card

Capitol One charged me for a purchase on a Walmart card that neither me or Walmart has a record of. While trying to figure out said charge they continually hung up on me, they constantly disrespected me and treated me as trash. They are no longer a reputable company.
Product: Credit reporting or other personal consumer reports

I believe my Charge Off is unfair and unlawful because I didn't have proper knowledge of credit usage or credit cards. Almost each time the credit card was used was for extenuating circumstances. I was not educated on how credit works and because of this CO from wells fargo. I now have a XXXX and it is extremely hard to raise my credit especially when ALL i have making go up each month is my auto loan which is in GOOD STANDING and maybe my phone bill other than that I don't have multiple lines of credit or anything else I can have that will make my score go up. because I can't GET any other lines of credit or credit cards or approved for financing on anything. My score is so low I can not. However if the CO was obliterated from my report I will be able to have financial independence and success. It's not right. I was XXXX and now heading on XXXX in 3 months. Things are different and I would like another chance. This would make my score go up immediately.
Product: Debt collection

I am writing to formally dispute a debt that has been erroneously reported on my credit report by XXXX XXXX XXXX XXXX. Here are the key details : Collection Agency : XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX Date Assigned : XX/XX/2023 Original Amount Owed : {$23.00} Status : UNPAID Creditor Classification : Rental or Leasing Date of First Delinquency : XX/XX/2023 This debt is not valid. I have never been notified of this alleged debt, and I have confirmation from the original creditor, XXXX XXXX  XXXX, that I do not owe them anything. I am concerned about this incorrect reporting as it has negatively impacted my credit score. 

I am currently in the process of buying a house, and the appearance of this invalid debt on my credit report is causing significant issues with my mortgage application. It is critical that this matter be resolved swiftly to correct my credit report. 

Enclosed with this letter is an email from XXXX XXXX XXXX confirming that I do not owe any debt, plus the rental lease I signed for your records. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure the removal of this incorrect debt from all credit report bureaus.
Product: Debt collection

On XX/XX/2024 I sent a certified letter to Wakefield and Associates requesting that they provide documents that could prove that the XXXX debt is valid and explained that o have always had XXXX insurance. The documents was received by them on XX/XX/2024. On XX/XX/2024 I spoke with XXXX at Wakefield and Associates who advised that she would have the documents sent out after I advised her that I was selling my home and would not be at my current address for more than 14 days but if she sent it out that day, that I should have it before I vacated, I even requested that they emailed them to me, neither occurred. I still have not received them to this day. On that same day I called their client XXXX XXXX XXXX and did not receive an answer, as a matter of fact the number seemed as if it was ringing to a line that was not manned by any one. On XX/XX/2024, I spoke with someone else at Wakefield and Associates who advised that they are working on having the collection items removed from my credit report but its a slow process, however, since that day I received two notifications from the credit bureaus that these have been proved as verified debts.
Product: Student loan

During the first week of XXXX, I contacted Great Lakes to request the funds I paid during the Covid-19 payment freeze be refunded. They told me my request would be " honored '' and would take " up to 45 days '' to process. After 45 days had come and gone, I followed-up and received the below response. They never notified me of any change to the 45 day window I was provided and now they are playing games.

They are also claiming I have a balance for a loan I paid IN FULL because they have processed the refund in their system, but are holding back the money. So it now appears I have a balance, even though they didn't actually refund the money. 

Hi XXXX, Thank you for your email. 

We are now waiting for the U.S. Department of Treasury to approve the refund requests before funds can be issued back to the remitter of the payment. We appreciate your patience while our Payment Processing Team works diligently to process your refund request. Due to the high volume of refund requests, we can not provide a time frame for when you will receive your refund. 

If you have additional questions or concerns, please do not hesitate to contact us. 



Sincerely, XXXX XXXX XXXX Great Lakes Educational Loan Services , Inc .
Product: Credit reporting or other personal consumer reports

There are hard inquiry on credit report i have not allowed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I previously disputed and got the removed this from my credit report and they reassigned It to a different collection agency. 

This is a result of identity theft Ive never had XXXX and they have a different address that Ive never lived at on file I need this account removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the year XX/XX/XXXX XXXX, Experian and XXXX have reported two accounts that are not mine and I had no knowledge of the account 's existence until XX/XX/XXXX. I have continuously disputed the accounts ever since XX/XX/XXXX. XXXX  has done a wonderful job with respects to my rights as well XXXX own compliance with requirements for reporting information about consumers. Experian and XXXX  have shown me no respect and neither offer any evidence besides the word of furnishing companies being certified. I have talked to the customer service departments via telephone as well as disputing these negative accounts that have literally caused my life damage since XX/XX/XXXX. I see no other option beside taking legal action. The accounts I refer to are XXXX XXXX showing a balance of {$130.00} and XXXX XXXX that is showing a balance of {$900.00}.
Product: Credit card or prepaid card

I bought a prepaid Visa Gift Debit Card, Issueing bank : US National Bank Association. I ordered an item from XXXX, then cancelef it reight agterwsrd ( it was the wrong part # ) The cancellation was confirmed & part never shipped. The XXXX order # was XXXX ordered XXXX. Cancelled & confirmation of cancellation via phone call with customer service. Email confirmation also received XXXX. The cost of the item was {$5.00}. It was deducted from my Visa card on XXXX with a detail note stating " 10 day PreAuthorization Hold ''. 
The cancellation # was XXXX formally issued thru Vendor on XX/XX/10. The pre-authorization amount was never credited back to my card account. 10 days later, I have spoken to the bank card issuer several times. They claim XXXX is responsible for the " hold '' of my funds & I must solve the issue with them. XXXX claims the bank is responsible for deprivation of my funds. I have also talked to them several times. Earlier this evening an XXXX Customer Service Rep said that if I give the bank this Transaction ID # XXXX, that the bank will release the holding of my funds. That did not happen. The bank says there is nothing they can do to release my access to my funds! This has been a very difficult & unfair situation for me, the consumer! No where in the bank card info does it state a preauthorization hold on funds will take place, except in the case of a resteraunt tip, or for gas purchase. I feel this is a fraudulant charge to my account which there should be no reason to " borrow '' my funds! This should be illegal. It is certainly a misrepresentation of the debit card issuer to deny me the use of my purchased funds! Or is it the Vendor, XXXX " borrowing '' my money? Neither party will take responsibility. They accuse each other. I can not get anywhere with either party. Meanwhile, my funds are missing & no one is resolving it. Fraud!!! Consumer has no other options!
Product: Credit reporting, credit repair services, or other personal consumer reports

*Citi Bank is reporting an old account that s not mine I have a federal report were my identify was taken. I've spoke to them about this and paid to try to have it removed no one can ever direct me to the correct person. 
Citi bank account number on credit report XXXX Amount XXXX Date XX/XX/XXXX *XXXX  XXXX  This account is saying to be from XX/XX/XXXX. I paid this account it is not mine but I was advised to pay XXXX to remove it. It's still on credit report. 

*XXXX  XXXX  XXXX  XXXX  Is reporting late I had XXXX account with this company and paid it off this is not my account. 

*XXXX  XXXX  is reporting I was 30days late on payment I was never 30days late. 

I have called these companies numerous times with no justice I have my federal investigation report. 
Please explain to me what can I do to fix this.
Product: Debt collection

XXXX XXXX  sold a debt for a credit card to Portfolio Recovery Solutions and wrote the debt off ( which is reported on my credit report by XXXX as " written off as bad debt ). The debt was {$3300.00} when it went into collections and was soley in my name -- no one else was associated with this debt. Additionally, Portfolio did not know what this debt was, other than from XXXX XXXX  and could not disclose what the debt was relating to. 

Portfolio Recovery Solutions began to call me from an unknown number, never leaving a message -- I never personally spoke with the debt collector. On XX/XX/XXXX, between XXXX XXXX  CST, they contacted my husband who was NOT associated with the debt.. Portfolio Recovery Solutions disclosed the following to my husband : Debtor, Amount, and time past due. I did not authorize the sharing of this information and is a violation of FDCPA. 

I immediately contacted Portfolio Recovery Solutions, speaking with XXXX XXXX " operations manager, '' and asked why they would disclose the debt, which then they claim " Kansas is a spousal consent state and we can disclose that debt to to person you are married to. '' That is NOT how FDCPA, a federal regulation works. They can contact my spouse and ask my number and how to contact me, but they can NOT disclose debts, amount, debtor, and payment information. Additionally, Portfolio Recovery Solutions LIED about communications with me and said they spoke with me in XXXX and were following up -- which is NOT true, this is false and misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX  regarding a XXXX XXXX  that I paid off in XXXX XXXX XXXX. Upon receiving a credit alert, I logged in to find that they reported my account delinquent with a 30 and 60 day late payment. My first contact with them was XX/XX/XXXX. They said they would remove finance charges of roughly {$4.00} that I wasnt notified of after my final payment along with the delinquencies. I was only checking XXXX at the time. It took a couple more phone calls before this was successfully removed from XXXX. Several months later, I realized that it was not removed from Transunion and was dropping my score. I notified XXXX again believing it to be their issue. They stated that it was the credit bureau not fixing it. I logged a dispute with transunion. The results stated they could not remove it as it was accurate. I called XXXX again. XXXX for roughly the 5th time assured me that I have no delinquency on their side and they will submit this to the credit bureau again. XX/XX/XXXX, XXXX drafted a letter stating that they couldnt remove anything as there was nothing left to remove. I logged in and saw there were still a 30 and 60 day late payment on Transunion. I called XXXX  AGAIN on XX/XX/XXXX to find out what I can do as I have now thoroughly disputed this error. They stated they would send to customer care. I received electronic communication a few days later with a link to a letter from XXXX stating that all delinquency from XXXX and XXXX of XXXX would be removed. I was leery of the dates as Im not sure whether those refer to the dates reported or the dates they have for the missed payments, but figured I would wait and see. Almost immediately I received an alert from transunion that my account improved with a date reported of XX/XX/XXXX. I was thrilled. The next day, I saw I had an email from transunion stating I had delinquency reported on the same account on XX/XX/XXXX. I am unable to determine whether XXXX has any fault in this, but the back to back alerts from Transunion leads me to believe they are interpreting the information incorrectly. Im mentally exhausted from trying to fix this. XXXX ASSURES me that this closed account has no delinquency and it was removed in XXXX of XXXX. Ive been fighting ever since to have my credit reports accurately reflect the type of borrower I am. I dont know what else I can do, but each phone call is followed by several weeks of wait and see leaving me with an inaccurate credit score that affects my worthiness as a borrower. Please help me. 

XXXX XXXX
Product: Credit card

In XXXXXXXX XXXX I paid my XXXX XXXX 's account in full ; XXXX XXXX 's through Synchrony immediately closed the account although it was an account in good standing. This action serves to negatively affect my credit scores with all XXXX credit reporting bureaus. XXXX XXXX 's, individually or through Synchrony Bank, should not be able to arbitrarily take such action with the end effect of wreaking havoc on my credit scores. These have taken similar actions against accounts in my husband 's and daughter 's names, both of which come out of the same budget and household income, separate complaints for which are being filed simultaneously herewith.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 



XXXX, IL XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Inconsistencies reported on my credit report. None of the information on a credit report matched up and I also don't recognize this company of said debt
Product: Checking or savings account

On XX/XX/XXXX there was a notification from the bank asking if a withdrawal was made by me and it was not. It was for {$2000.00} atm withdrawal. I immediately called the bank and reported it starting the claim process. On XX/XX/XXXX I received a notification stating that this claim was invalid and I wont be receiving a refund.
Product: Credit reporting or other personal consumer reports

I have an inaccurate account on my credit report and i used the experian credit agency to right the wrong and provide me with proof of said account or have it removed and neither was done. Please provide me with all proof of accounts. Thanks