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

I am writing regarding my Equifax credit score that is totally wrong comparing to the 2 other credit bureau. My credit scores with XXXX and XXXX XXXX are very good when the one with Equifax is bad. All those XXXX credit bureau have the same information but 2 of them are very good when my Equifax credit score is bad. I called Equifax and they said that they did not see no negative activity on my report and they could not tell me why it is low. They also said it can be another factor why it is low. I start imagine that probably either race gender ethnicity is one of those factors with Equifax which is why my credit score is so low with Equifax. How my XXXX score is XXXX very good comparing with Equifax XXXX bad. All I want from Equifax is a accurate credit score. Thank you.
Product: Credit reporting or other personal consumer reports

Please ensure the unauthorized accounts are removed from my credit report without delay. I did not authorize or initiate these accounts and do not know their origins. As per USC 1681g, I am requesting their removal within 15 days. Relevant supporting documents are included for your thorough review.
Product: Debt collection

1. I have never had an account with these companies XXXX XXXX  XXXX XXXX  with Account Number : XXXX, REMOVE from all credit reporting agencies that's reporting. 

2. " Consumer '' means any natural person obligated or allegedly obligated to pay any debt. According to 15 U S Code 1692a ( 3 ) 3. This letter is pursuing 15 U S Code 1692c ( C ) Ceasing communication 4. I am the " consumer '' mentioned in 15 U S Code 1692a ( 3 ) You are XXXX XXXX  XXXX XXXX  the debt collector 15 U S Code 1692a ( 5 ) I am invoking specified remedies under U S Code 15 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to U S Code 1692 ( c ) ( 1 ) 5. I am the executor under 15 U S Code 1692c ( d ) pursing to 15 U S Code 1962d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6. According to 15 U.S Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

7. 15 U S Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 

8. As mentioned in 15 U S Code 1692f Unfair practices ( 8 ) 9. While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 

10. 15 US Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- ( 1 ) ( 2 ) ( A ) ( B ) ( 3 )
Product: Debt collection

First attempted to send debt validation letter to company. Letter was sent on XX/XX/2023 and company responded more than 30 days letter and only responded because I reached out to you all. Attempted to call the company on today XX/XX/2023, and when asked to speak to a supervisor, spoke with XXXX XXXX, who I believe may be the only supervisor, and who began to laugh when I explained the issue to him, and how I sent the letter via mail and began to raise his voice, and use profanity while on the call. When asked for his name again, he said youre close and mocked me and began to laugh again, stating whoever you want to report to its only one XXXX here so theyll know. I also asked if they was a manager over him and he stated no and disconnected the call.
Product: Checking or savings account

This is a forgery case. I made/wrote a check through my bank account with XXXX XXXX ( to Person A ). The check was sent ( to Person A ) via mail/USPS and it got intercepted. The person who intercepted my check ( Person B ) cashed my check at a Wells Fargo Bank for a big amount which I would expect Wells Fargo together with XXXX XXXX to follow security protocol and not just release a big amount of money to any individual. I filed a claim with XXXX XXXX on XX/XX/2022. We are about to hit 3 months and neither has Wells Fargo nor XXXX XXXX have made me whole again. I have provided all the documentation that Wells Fargo has requested ( Affidavit of Person A testifying that they never received my check nor cashed it, A letter of Circumstance, a Police Report, Texts, photos, emails ) through XXXX XXXX XXXX Investigator and I have not received my stolen money back or made whole again. I don't understand how my hard earned money was given to the wrong person in a few minutes by Wells Fargo, yet I have to work hard, provide evidence, and wait for almost 3 months and I still don't have my money back. To top it off, Wells Fargo has a bad reputation and bad background when it comes to handling money and stealing from their customers - I don't understand how they are still able to conduct business with such history. All I want is to be made whole again as this situation has not only made me sick/ill with stress, but I have missed on the opportunity of using my money for projects I had already planned for. I would like that both XXXX XXXX and Wells Fargo be contacted and requested to make me whole again as soon as possible.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint because I have several credit inquiries from all XXXX credit reporting agencies that's affecting my ability to obtain and use my credit to its maximum potential. 
XXXX reporting agency is reporting XXXX unauthorized inquiries that's not connected with any open account that's reported on my credit profile. 
Here are the dates and accounts that are reporting unauthorized on my credit profile XXXX XXXX on XX/XX/2XXXX XXXX XXXX on XX/XX/2023 XXXX XXXX XXXX on XX/XX/2023 XXXX XXXX on XX/XX/2023 Equifax reporting agency is reporting XXXX unauthorized inquiries thats not connected with any open account that's being reported on my credit profile. 
XXXX XXXX XXXX on XX/XX/2023 XXXX XXXX on XX/XX/2023 XXXX XXXX XXXX XXXX is reporting XXXX unauthorized inquiries that's not connected with any open account that's reporting on my credit profile. 
XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XXXX on XX/XX/2023, XX/XX/2023, and XX/XX/2023 XXXX CARD on XX/XX/2023 All of these listed inquires are unauthorized and shouldn't be listed on my credit profile.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX XXXX XXXX  : # XXXX The accounts above have violated my rights. 

I looked at my Experian credit report in XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I have been a victim of identity theft and submitted all proper documents to Transunion credit reporting agency that relieves me of all financial obligations to underlying creditors. However, under the Fair Credit Reporting Act, pertaining to Fraud and identity theft. Transunion have not blocked/ removed the accounts listed in this complaint. It has been a nightmare dealing with this issue. I am not suspect, I am a victim! I do not deserve to have my character and good name destroyed by someone using my identity to obtain credit. I do not understand or know much about credit, I was told what to do by fraud department at Transunion. Particularly, Mr. XXXX a Supervisor in the Fraud department. Once the identity theft report was receive by Transunion, accounts listed would be deleted/blocked. I am reaching out to CFPB in order to assist me in resolving this issue. I sent Transunion documentation over 30 days ago. However, my credit file is still showing these accounts. Thank for your time and attention in regards to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please delete this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 the information is inaccurate.
Product: Debt collection

I was contacted 3 times by Medicare prior to receiving a statement from them. I received the statement regarding a bill from XXXX XXXX. I called Medicare and requested additional info. They said I had to call XXXX. I requested information from XXXX XXXX. I then contact Medicredit to advise I was awaiting additional information but would make a one time good faith payment of {$50.00} until I receive the requested information. XXXX at Medicare took a one time {$50.00} payment over the phone. The next day I received notification from my bank of 2 {$25.00} charges from a company name I did not recognized. The 2 {$25.00} payments were flagged and my debit card marked hot and I did not recognize the name of the company nor the amount of the charges. I had to leave work early and go to the bank to correct the problem. I called Medicredit after finding out the charges were from them. However, the charges appeared as 2 {$25.00} payments and the name of the company was not Medicredit. I asked to speak with a manager and was told I would receive a call back. I did not. I called again today. I spoke with a manager XXXX and explained I believed the 2 charges of {$25.00} to a company name I was never given was fraud. XXXX said I have 2 balances with XXXX. Their system is set up to apply the payments to the oldest bill. I advised her that I did not give Medicredit permission to make 2 {$25.00} charges. No one told me the charge would be split nor did they tell me the charge would be made under a completely different name. I gave permission for one {$50.00} charge only. I believe Medicare committed fraud by making 2 separate {$25.00} charges to my account without permission.
Product: Credit reporting or other personal consumer reports

18 USC 1028A Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I settle a debt with the XXXX XXXX XXXX XXXX and they have not remove the negative item from my credit report, they wont closed my account and refuse to give me a 1099C to file on my credit report
Product: Debt collection

In XXXX of XXXX I noticed my credit scored dropped due to collection account for {$220.00} ( creditor XXXX  ). I disputed it and it was removed immediately. In XX/XX/XXXX I was trying to buy a car and was denied due to my credit score again dropping and noticed XX/XX/XXXX my XXXX and XXXX score dropped and it was a collection account for {$220.00} XXXX  again. I disputed it with both bureau 's. I contacted XXXX inquiring about their services. They explained its for horse betting. When I gave her my name she was not able to locate me in their system with an account. She searched my maiden name and found and account that was flag fraudulent. She stated that the account was opened last year in XX/XX/XXXX. The way you receive services is ; you create account which was all of my maiden information with an address I lived at in XXXX and they deposit a {$200.00} payment to open the account and can immediately place a bet. The deposit returned and they turn it over to Payliance/Cybrcollect to process payment which again returned. Payliance and Cybrcollect are the ones that placed the account in collections for payment processing. I asked her to provide more information she claimed she was unable to due to it being locked and their fraud investigators are researching it. She said it may take a while to get a call from them because they are swamped with these kind of accounts. 

My identity was compromised in XXXX with a someone trying to receive an SBA loan as a XXXX XXXX XXXX XXXX with the same information. Luckily I caught it in the stage of review. I filed a claim with XXXX XXXX XXXX  Loan Officer in the fraud department at SBA, as well as filing a claim with FTC. I was NEVER contacted by any of the above mentioned companies before turning it over to collections. I could have easily been skipped traced to locate a current phone number. This is not my account or debt. I have never signed up for any account or used services at XXXX. I suffered a great deal due to negligence on behalf of XXXX and the credit bureau 's. Why would you allow a collections account be placed with 15 year old information. That should raise red flags immediately.
Product: Mortgage

A mortgage for my apartment with Citibank was open until  XXXX . The mortgage had an escrow account. Citibank has refused to send me statements for the escrow account.   Under a letter of authorization in  XXXX  all my statements were to be sent to me.    Citibank  sent selected mortgage documents but did not include escrow statements. I phoned citibank and they promised to remedy their omission. However, they have not done so. A letter from a lawyer to an accountant shows the existence of the escrow account as it includes a copy of the escrow analysis  XXXX  which corresponds to the mortgage  XXXX  I include :  1.  citibank letter  XXXX / XXXX / XXXX , the mortgage documents produced to me per letter of authorization, signed  XXXX   XXXX   2 .  Letter  XXXX / XXXX / XXXX  from  XXXX   XXXX   XXXX  transferring documents to  XXXX   XXXX , accountant, for the mortgage on  XXXX    XXXX    XXXX   XXXX , entry  XXXX  " Copies of the annual Escrow Analysis for the CitiMortgage dated  XXXX / XXXX / XXXX  and a CitiMortgage statement dated  XXXX / XXXX / XXXX  ''
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the negligence and non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681o, regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting incorrect information on my credit report & the failure to investigate these disputes, and failure to correct inaccuracies after notice As a consumer, I am entitled to accurate information on my credit report and to be informed of any updates or changes. However, despite my prior communication and dispute filed on [ date of previous dispute ], the issue has not been resolved within the required timeframes, and the incorrect information still appears on my credit file. This failure to properly investigate or correct the information is a violation of the FCRA. 

Pursuant to FCRA Section 1681o, I believe I am entitled to damages for the harm caused by your failure to comply with the statutory obligations of investigating and correcting the erroneous information. This negligence has resulted in damage to credit score & denial of credit. 

I demand that this matter be rectified promptly. Specifically, I request that : 1. The incorrect information be investigated and removed from credit report.

2. A full written explanation of your findings be provided.

3. Any and all reports reflecting the incorrect data be updated.

I expect this matter to be resolved in accordance with FCRA guidelines and within the required XXXX timeframe. 

Please confirm receipt of this letter and the actions you will be taking. I look forward to your prompt response. 

Sincerely, XXXX
Product: Mortgage

In 2011 I was trying to work with Wells Fargo to get a loan modification. I did what they told me to do and then in XX/XX/2011 they said they couldn't get in touch with me although I had the same address and phone # for over 15 years. They did not return calls to me or reply to my correspondence. I found out my house was in foreclosure and then it was sold for {$39000.00}.
Product: Credit reporting or other personal consumer reports

Discover card is showing my account as under dispute on all three credit reporting agencies. Im asking for all 3 credit report agencies to be contacted and for the Discover card account to show as closed and not still under dispute. 

From Company : On XX/XX/XXXX, we received notice that you filed for XXXX  XXXX bankruptcy on XX/XX/XXXX. On XX/XX/XXXX, your account charged off with a balance of {$4700.00}. Your current balance as of the date of this letter is {$4200.00}. You may contact our Customer Assistance and Recovery department at XXXX if you would like to discuss your account. ( Im in bankruptcy XXXX XXXX right now going on almost XXXX years ) Please contact : XXXX Executive Office of Customer Advocacy Enclosure CC : CFPB. 

To tell her stop showing my Discover card account as under dispute and to show it rather as havent been closed as a result of my bankruptcy. Please contact all three credit reporting bureaus to let them know this account is no longer in dispute. It is closed as a result of my bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am a XXXX veteran and unemployed. My medical care is 100 % covered through the Veterans Administration. If I go to a veterans hospital it is not a problem. If taken to a non-va hospital, the hospital must contact the va for payment - which i have never had a problem with. 

On XX/XX/2016 I was taken to XXXX XXXX in XXXX to have blood sugar tested. I never got to intake at the hospital but a nurse did come out to test my blood with a glucometer. I was fine and left. 

I never received a bill. I figured they sent it directly to va IF there even was a bill. 

Over two years later Medical Business Bureau XXXX has made claim that I owe TWO bills for the single visit. {$450.00} and {$320.00}. 

1. Either and especially both are absurd. I was never intaked at the hospital. EVEN if I would have been, any glucose test is not that high and even if it were, it would be paid by va at a rate agreed between hospitals. 

2. I informed XXXX XXXX and now Medical Business Bureau to send bill to VA or send me correspondence and I would give it to VA. To date they have responded only by making two fraudulent claims for treatment ( which at best should only be one ) and putting both on my credit report indicating i have two medical bills in collections. 

3. Unlike other insurance i can not simply pay it and get a refund from VA. They must submit it to the VA for payment. I have zero control of the matter and it is the VA 's bill to pay.