23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX sent XXXX phone bills to collection which is XXXX that does not belong to me and is under someone elses name in XXXX XXXX oklahoma at the time it was made i was living in XXXX they want rent receipts and i live in a XXXX so when i moved to XXXX in 2012 i threw all my old receipts out not thinking i would need them. i have never had phone service with XXXX i have used prepaid phones for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and written Experian disputing these fraud accounts on my credit report and let them know over and over that these accounts do not belong to me. I have sent police reports, ID, and all the required documents asked of me with no assistance. The accounts from XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX & XXXX XXXX are fraud accounts and do not belong to me!!!!!! These accounts were included in a previous dispute which you deleted some of the accounts that were listed but it seems these were over looked. I have been waiting months for an update to have these accounts deleted. There is variations of my name listed which I sent my ID to have this corrected and they did nothing. My name is XXXX XXXX this is the only name I have ever been given. 
The last complaint XXXX was not reviewed. I am now sending a request again along with the same paperwork that I previously submitted.
Product: Money transfer, virtual currency, or money service

I used Remitly to transfer funds from my XXXXXXXX XXXX  Account at XXXX XXXX XXXXXXXX to XXXX Bank in XXXX. Doing this I used my debit card. In the transfer it was confirmed that I sent {$5000.00} USD and that the receiver should receive {$5000.00} USD. However, the receiver received XXXX EUROS instead, which is equal to ca XXXX USD. 

I have been in contact with XXXX, and they told me they were gon na reach out to the bank XXXX. However, after consulting with XXXX I was told they were never contacted. I have been in this process back and forth for 2 weeks. I have told Remitly they owe me the difference, and they agree. Still haven't heard anything, and every time I call the process starts over again...
Product: Credit reporting, credit repair services, or other personal consumer reports

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : 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 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 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 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 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: Credit card

I had a synchrony CareCredit card that had {$1000.00} limit. It was completely paid off and all of a sudden I got a notice that the card was canceled so I reached out to them and they said that they do credit checks every now and then and update their information and based off the new information they were closing my account, finally got a letter in the mail and they said the reason for it was because of the fact that I had a mortgage that I had not paid down and Ive only had my house for two years of the 30 year mortgage. How much supposed to pay that down more my credit is higher now than it was when I got the card. I had a Lowes card and an Amazon card as well and I just went ahead and close those out they were completely paid off. They had lowered them down to basically nothing so theres no point in having them they were notorious when I did on my Amazon card for, lowering my credit to just above what I owed so that it would mess with my actual credit score saying that it was almost maxed out
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$2800.00} with PATIENTFI/XXXX  Account Number : XXXX They did not provide me with the original contract. A purchase agreement with my wet signature and ID verification. They have provided me nothing to show full ownership of such account so l May review it to see if this is actually an account that belongs to me. 


XXXX XXXX has not furnished any agreement to confirm that account belongs to me.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate.

Below are the accounts I am requesting to be reinvestigated : Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX, XXXX XXXX XXXX, DISCOVERBANK. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, DISCOVERBANK with no successful resolution. There was definitely an error on their part.
Product: Debt collection

In a nutshell, this company is currently jeopardizing my ability to purchase a home by reporting a collection account for a medical bill that is not mine. I am fully insured ( I pay top dollar ) and have been for years. 

The medical bill in question occured on XXXX/XXXX/XXXX and at some hospital in texas that I have never been to. Also, I live in los angeles. When I called the debt collector ( Transworld Systems ), they claim there was no social security number attached to the claim they picked up but a birth date in XXXX ; I was born in XXXX. 

I do n't know whose debt this belongs to but the mere fact that a collection account has been reported under my name for a service unassociated with me while my spouse and I are in the midst of a home hunt should be iiegal and I wish to seek damages. 

They are currently in the process of deleting the collection but the inconveience and potential money this may cost me should be criminal. People are exploited every day by these companies while the government turns a blind eye. I 've had enough.
Product: Student loan

FedLoan lost the paperwork that I sent in for deferment since I 'm still in college. I contacted them by email and told them that I 'd already sent in the paperwork. They sent me a canned response telling me that I could get a deferment in several ways, including educational deferment. I responded that I was in college in and had sent in the paperwork and they sent the same canned response. So I responded and said that I would mail in the paperwork with signature required so I would have proof that they received it and they responded with the same canned response. I emailed that they should get with a manager to work out how to properly deal with consumers and received the same canned response. In an attempt to get a human response, I emailed that a response that repeated what had been said before would grant me permission to post all communications on the Internet and to release all communications to demonstrate FedLoan 's competence. I received another canned response, so will use all the of the emails as I see fit. I responded, stating very specifically that this had stopped being about the deferment the minute I said that I would mail the paperwork with signature required and that my concern was now with how trustworthy the organization is. It 's clear that this company knows that they can get away with treating loan holders horribly. They do n't have to care about reading emails. They do n't have to do anything but copy and paste, because they do n't have to worry about losing what gets them paid. They 're horrible people and if they were trustworthy, they could have responded directly and made it clear that they cared about my wavering ability to believe that could properly handle my account.
Product: Checking or savings account

I have been a checking and savings customer of Capital One ( ING direct before that ) since XX/XX/2002. recently i notices savings rates have increased. I found out that my savings account is a '' grandfathered '' savings account that used to earn a great interest that fluctuated with market. apparently i was moved into a low interest product without my knowledge. I don't know when this happened but my current savings interest rate is 0.6 % and the high yield savings earns 1.7 %. i have since had to open new account and transfer my money into that account to get the new rate. My issue is that the account my money was in isn't even offered. their off the street savings account is the 1.7 % high yeild account regardless of balance. I feel like i missed out on a lot of interest over the last few years. i take some responsibility for not realizing it, but i would hope that cap one wouldn't put someone in a product that isn't the " off the street '' offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a chap ter  XXXX  bankc ruptcy on  XXXX   2015  and Experian still showing in my credit report   XXXX   account late, I only have  XXXX  new account, I though that when someone do a bankruptcy it going to be in the credit report but no as late, i send Experian a letter and the Bankruptcy Discharge certificate in   XX/XX/XXXX   and they did not do anything. Can you please help me with this issue. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation of accounts that I wasnt provided. I asked for original consumer signed contracts and all information on what services were rendered for the debt, how the debt was calculated, and proof for everything. I was not given any of that!
Product: Debt collection

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised, and that lead to unauthorized accounts on my credit report, accounts such as 1 ) XXXX XXXX   {$490.00} 2 ) XXXX XXXX XXXX {$270.00} 3 ) XXXX XXXX XXXX 4 )  XXXX XXXX XXXX {$390.00} 5 ) XXXX/  XXXX XXXX XXXX Please investigate this and send me the Method of Verification used, or remove the accounts immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been negatively impacting my credit by reporting late and other inaccuracies. per 15 usc 1611/15 usc 60802 part b/ 15 usc 1692 f # 6
Product: Credit reporting or other personal consumer reports

I was shocked this afternoon when I saw inaccurate accounts on my credit report, and I have no clue why they are there. I regularly check my credit report, and everything was fine until today when these errors appeared out of nowhere. I even tried refreshing the page, hoping it was just a glitch, but nothing changed. The inaccurate accounts stayed, which has left me very concerned. I urgently ask that the documents I provided be thoroughly reviewed so I can stop worrying about this once and for all.
Product: Credit reporting or other personal consumer reports

The following address is listed on my Experian credit report and is inaccurate : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  XXXX Account Number : XXXX
Product: Credit card or prepaid card

I changed my billing address to my new home and since, this company has tormented my life. For the past 5 weeks, this company has declined purchases, made me go through more than 20 security verifications, theyve embarrassed me at multiple stores by declining purchases after they confirm on the phone that my card is clear to use.

I have had to call in more than 30 times to clear my name and the company continues to give me problems. My credit score has remained very good, the account has been kept in excellent standing, and Ive had this card for more then 5 years.

The representatives have challenged my purchases saying you dont normally spend this much, and at times they have mocked me.

In the past month of problems, I have been promised six times that leadership/management would open a case and call me to help resolve but they have only called me once this past week and apologized, but since that call, they have entirely blocked access to my account stating its a security issue. 
This company has taken advantage of my good credit and time.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 

This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially have adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

This is my second time writing the company Equifax to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses as following, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are XXXX some names on my account that are not mine or spelled wrong on my credit report that needs to be deleted as following, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( this name is on my account twice which should not be on my credit report twice. ) XXXX XXXX XXXX My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section I do not work at any of the places listed and should not be on my credit report. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Debt collection

Midland funding claims that I received judgment paperwork for a debt from XXXX Upon reviewing the attachments in the previous complaints I have made against this ethically questionable company, the address that judgment papers were mailed in XX/XX/XXXX was an address that I had not lived at in over a year so I never received any kind of documentation from them about this debt. At the time this judgement was mailed to the incorrect address I lived in XXXX, Arizona, not XXXX. 

This company is dishonest and unethical in its claim that I received any correspondence in writing from them.
Product: Student loan

This was a private loan that originated from My XXXX XXXX. I filed for bankruptcy in XXXX and this was included since it was a private transaction/loan paid directly to me. I advised the lender of my bankruptcy discharge, they then filed for bankruptcy, sold the account to Youconomics. Youconomics then sold the account to UAS XXXX. I have called and emailed them about the discharge Gave them a copy and requested my payments for XXXX and XXXX returned. They advised it would take 3 weeks but it has been over a month with no new information and they continue to report the account to the credit agencies.
Product: Vehicle loan or lease

American Credit acceptance has stated that my vehicle has been charged off and due to this IRS has stated that I had a cancellation of debt in the amount of {$9300.00} and this amount was included on my tax return as income when my tax return was audited and cause me to owe {$3400.00} to the IRS. The vehicle in question was repossessed and auctioned off on XX/XX/2022. The proceeds of {$8000.00} went towards the loan amount which brought my balance to {$6800.00} and they are still billing me for this amount. Irs informed me to contact ACA to get a statement that states that the cancellation of debt was sent in error. I called them in XX/XX/2022 and the agent stated that the charges were not written off and no debt was cancelled. I reached out again on XXXX and the agent states they sent the account to a third party ( XXXX XXXX ) to collect the balance remaining. of {$6800.00} since the vehicle was sold on XX/XX/2022 and no debt was cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Many attempts made to correct inaccurate information placed on my credit report, late payment of the account is inaccurate. The payment history of the last purchased item is not available which reflects an inaccurate history of my credit account as well as the balance history of the account, please remove it from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX
Product: Debt collection

I have been dealing with this company for multiple years now and their illegal reporting of negative items on my credit report. PRO COLLECT, INC is the company being used in an attempt to extort me by a previous landlord from years past. After I was evicted due to non payment because of the living conditions of this place, they began to add all of these chargers totaling thousands of dollars. They failed in their personal attempt to extort me so went and eventually hired PRO COLLECT to do their illegal acts for them which they have been doing for multiple years at this point. Harassing phone calls and multiple letters being sent to my home over the years. This needs to stop immediately. All contact needs to CEASE AND DESIST. And collection account needs to be removed/deleted from ALL three credit bureaus, immediately!