23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

To : CFPB XXXX XXXX, OH XXXX XXXX RE : Experian To whom this may concern : I am writing today to inform you that while applying for a mortgage recently, I learned of a derogatory item showing on my Experian credit report, which is inaccurate. 

Specifically, the item is for a collection agency ( XXXX ), a collection for XXXX Insurance information was given at point of service, and apparently, the original company never submitted a claim to insurance nor did I receive a bill for this service. More than a year and a half later I received a bill from collections for this service. I was refused an original copy of my service bill ( it 's not even possible to verify I used this company ). The company ( XXXX ) will not even discuss this matter with me as they state it 's been sent to collections leaving me with no recourse or ability to verify I used this service. Shortly after, this bill was sent to the above collections agency and is now showing on my credit report as derogatory. The collections company states they have no information other than the bill ( although XXXX seems to have access to my protected health information, which is a separate legal issue ). The collection agency refuses to work with me ( in fact the owner hung up on me on my most recent attempt to gather information ) and further threatened ongoing negative reporting unless I pay in full immediately ( without further information ). The collection agency is now harassing me with telephone calls since I 've reached out to them but will not give me information to verify this bill. 

I respectfully request that this item be removed from my credit report based on the above information. Attached is the portion of my Experian report showing the derogatory item. 

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

After disputing these inquiries the reporting agencies investigation came back verified. However, I'm requesting the Method Of Verification as my rights via the FCRA and if I'm not given all the methods of verification as I'm requesting then these inquiries shall be removed as they are unauthorized. The following inquiries are ( 1 ) XXXX ( XX/XX/XXXX ), ( 2 ) XXXX XXXX ( XX/XX/XXXX ), ( 3 ) XXXX XXXX ( XX/XX/XXXX ), ( 4 ) XXXX XXXX XXXX ( XX/XX/XXXX ), ( 5 ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX), ( 6 ) XXXX XXXX ( XX/XX/XXXX ), ( 7 ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ( 8 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
Product: Mortgage

I have had a very difficult time with Mid American Mortgage. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Mid American Mortgage always seemed to lose my paperwork, which I constantly had to re-fax. I am a XXXX Veteran who can afford his mortgage. I have been declined and I do not believe I was correctly reviewed. I do not believe the underwriter used my correct income for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$650.00}.
Product: Debt collection

I have asked Financial Control Service to validate a collection they are reporting on my credit reports on XXXX, XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting or other personal consumer reports

I have been trying to convey to these accounts that are in collections that they do not belong to me. The following is the accounts I want removed from my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts show as collections and closed accounts because I never opened them nor used them Someone used my information and opened these accounts without my consent I am asking to please remove them from my credit they have destroyed my prospects of ever buying a home or even a decent car
Product: Bank account or service

On XXXX XXXX I charged for XXXX XXXX despite insufficient funds and Chase accepted the transaction only to gauge me with {$68.00} in overdraft fees. So again Chase has overdrafted me despite my opting out ( this is now like the XXXX and XXXX time ) of overdraft coverage. Now, this time is a little different because it says in the overdraft fee that the XXXX charges were repeating charges, but this ca n't be the end of the story because XXXX checks every card it uses to authorize it when it uses it. It 's simply a slippery way for Chase to make an obscene amount of money off of a broke college student, again ... Of course they always check- that 's how the transaction gets processed. They have to because the charge is variable, just like a XXXX purchase ; it is NOT a uniform repeating charge, and Chase 's advertising is both slippery and false, and difficult to understand for the average consumer in this context. I do n't have the means to pay the extra charges, and the XXXX should 've been denied- I would 've just used my other card ( XXXX ) had I known that! I Needless to say I will be using another bank after this issue gets resolved, or a credit union. 

AND I understand that XXXX charges are variable and that makes the whole thing more complicated, but it turns out I had well UNDER the MINIMUM XXXX charge in my account, and so the transaction should 've been denied.
Product: Debt collection

I have just received a call, first from a company, referencing a number that I have to call regarding legal documents. When I called this number, I spoke with XXXX XXXX from GE Capital Bank. He told me that I owe on an account that was active from XXXX a total of 10 years old. He told me that he was suing me for an abandoned line of credit that I had never heard of or paid on. The original amount that was supposed to be left on this account was {$1800.00}, but they are suing me for {$4300.00} with added legal fees. He told me that I should have received legal documents at my address 90 days ago. I had not received any legal documents. Im positive, so he is lying. On top of that shouldnt a statute of limitations be up on debt collection for something this old? He did not know what line of credit except that it was from Sam 's Club, XXXX, XXXX XXXX etc., or something like that but I have never owned a credit card for a retail establishment. I hardly owned a credit card at all. He couldnt tell me anything even though he said he had the documents in front of him and they would be with us in about 3 days. This is very suspicious, and then he threatened that I only have a handful of days and I will have to show up in court for about 3 days in less than a month. I had never even seen any of this on my credit report to dispute originally which is my right. XXXX called from XXXXXXXX XXXX and the main number is XXXX and XXXX number is XXXX. If XXXX disputes any of this I have him on recording.
Product: Credit card or prepaid card

In XX/XX/XXXX, I took advantage of a promotional rate offer by my Bank of America credit card, that included a 3 % transaction fee I went to there website and set up auto pay to make payments to mentioned credit card on the due date. XX/XX/XXXX was the due date for that month which fell on a Saturday, the payment was not debited form my bank account. I called on Monday XX/XX/XXXX and was told by there customer service representative " the payment will post on Tuesday '' it did not and I was charged a late fee. I called customer service again and spent 45 minutes on the call and was informed that the auto payment did not process and since I did not pay on time the promotional interest was cancelled and the balance on the credit card would be charged a default rate which is considerably higher than the promo rate.I now have to transfer the balance of the credit card to a higher interest rate credit card. I attempted in good faith to meet my requirement set fourth by Bank of America and and was mistreated due to an error on there part
Product: Credit reporting, credit repair services, or other personal consumer reports

MY DAD DIED ON XXXX AND APPOINTED MY EXECUTOR AND NTIFING ALL BUREAUS OF THIS MATTER! XXXX XXXX XXXX, DIED XXXX. SEE ATTCHED LEGAL DOCS.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDCO ( Finance ) XX/XX/2021 CREDCO/CREDCO ( Miscellaneous ) XX/XX/2021 XX/XX/2021 CREDCO ( Finance ) XX/XX/2021 These are the same company that credit that pulled my credit in different times with the same company. I am a XXXX they used my information without my knowledge. My score XXXX. It went down under the XXXX. It was a hard pull each time the same company.
Product: Mortgage

I continue to get harassing phone calls from Clearspring Financial. I recently received a letter in the mail with them threatening me that I must pay back a loan that I never got from them. I went through a foreclosure in 2011 and they sold part of the loan to Clearspring. They changed their name twice since 2011. I already lost home and now it appears that I 'm still being held accountable for something that was foreclosed upon in 2011. I have paid Clearspring money because they used some very aggressive practices when I was initially going through the foreclosure. I was literally afraid of what may happen. Now, I 'm tired of being threatened by them and having this thing over my head for years. Can someone stop them??
Product: Credit reporting, credit repair services, or other personal consumer reports

The following was sent and received by reporting company Transunion. This item was removed but then showed up again on my credit report. This is illegal. To whom it may concern, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions with the consumer to whom it relates. I, XXXX never gave Transunion any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law attached with this a dispute letter concerning the account listed below, as a consumer, I am demanding a deletion of this account below : XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i am file a complinat against jp morgan chase bank for file inaccurat report on my wife and my check account with the number isXXXX a account that we have has over a number of year. a credit agent XXXX consumer report agency XXXX XXXX  XXXX XXXX fla.XXXX. the infomation that they release to the XXXX XXXX the decline based these factor on unacceptable bank account history and unacceptable bank account acivity. this is a critcal issue in a finacail live '' this a consequence. my wife and i never missed used any bank account please check with XXXX XXXX agency. there is evidence demonstrate how XXXX XXXXonsumer report agency misrepresent customer account. this information is false and inaccurate that they has. and it need to be correct now. they just get sue for over XXXX XXXX by the government
Product: Credit reporting or other personal consumer reports

credit bureau reporting inaccurate information. I asked them to send me proof of original signed contract and they failed to do so
Product: Debt collection

They hired a 3rd party collector, and collector is trying to file a complaint with the Texas DA trying to say it is criminal charges for a " Hot Check ''.
Texas courts and prosecutors should uniformly reject these complaints unless there is additional proof of fraud.
I lost my job and everything, this is the first time I am hearing about this.
And now that I am aware of this issue, they are stating that they are on a " Federal Recorded Line. '' Only options they gave me was for within 24 hours to make a decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX
Product: Debt collection

Receiving a debt collector letter for over XXXX from a XXXX  but I have never gotten any account threw this vendor I am a retired resident and I don't know what this charges are for ever time I call the debt collector office they never an answer and they have my name wrong but they have my address. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting. I have advised them of fraud using my social security number and the items on my credit report are fraud but they keep saying verified when that is incorrect. I have had over 15 fraud inquiries and bankruptcy that is not mine but they wont listen. My name is XXXX XXXX XXXX XXXX and all the items on my report is from my dad, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Revolving Account account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an Revolving Account account opened at XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX and a Revolving Account account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX and a open Account account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX the account number XXXX and a open Account account opened at at XXXX  XXXX  on XX/XX/XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries, Accounts with Adverse Information and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve this issue with the XXXX major credit reporting agencies since XXXX of XXXX. I had noticed that information was not reporting 100 % accurate when I had reviewed my credit report so I requested for an reinvestigation to be done on this disputed accounts. So TransUnion had verified one particular account number while XXXX claimed to verify a different account number which were shorter in digits. XXXX never provided results. When that happened, I went straight to the furnisher and disputed both verified accounts pursuant to my rights to do so under the Fair Credit Reporting Act under section 623. I also requested that the furnisher provide me with the original contract for the verified accounts and they failed to do so. I then gave the furnisher notice of their failure to verify the account and the letter got returned to me though my previous direct dispute letter did not. I attached it to the documents submitted with this complaint. 

When the furnisher failed to verify the disputed accounts, I reported them to the Federal Trade Commission for identity theft. After I got my FTC report notarized I sent a identity theft dispute to all three major credit reporting agencies on XX/XX/XXXX via certified mail. The tracking numbers are as follow : TransUnion tracking # : XXXX ; XXXX  tracking # : XXXX ; and XXXX tracking # : XXXX. See attached. XXXX, XXXX and TransUnion all received my identity theft dispute letters no later than XX/XX/XXXX. 

According to the FCRA the credit reporting agencies were to block and delete the disputed information within four days of receiving my identity theft dispute letters but according to my most recent credit reports, the disputed account has not been blocked or deleted. TransUnion claimed to have verified the account again but that is impossible when the furnisher failed to verify the account when I disputed it directly with the furnisher. TransUnion also failed to do the investigation within 30 days. XXXX and XXXX never sent me results for my identity theft dispute. 

This is ground for removal as they violated my rights under 15 U.S.C 1681 section 602 A which states I have a right to privacy and under 15 U.S.C. 1681 section 604 A which states they credit reporting agency can not furnish information without my written consent. The credit reporting agencies also violated 15 U.S.C. 1681c-2 ( a ) which states, " a consumer reporting agency shall block the reporting of 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 by such agency ... '' And XXXX and XXXX violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) because my investigation took longer than 30 days to complete and they failed to send me my dispute results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Upon reviewing a copy of my consumer report, it has become evident that your company, as a consumer reporting agency, and the alleged " creditor '' have unlawfully provided my information without my written consent, as required by 15 USC 1681B of the FCRA. It is crucial to emphasize that I do not consent to the unauthorized furnishing of any of my information by any means, pursuant to my rights under the FCRA. 

Accounts listed below : XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXXT # XXXX Furthermore, as per the provisions of 15 USC 1692a ( 2 ) of the FDCPA, it is clear that the transmission of information regarding a debt, directly or indirectly, through any medium constitutes a " Communication. '' The term " any medium '' encompasses various forms of communication, including oral, written, electronic, and more. Thus, the furnishing of my consumer report, which contains information regarding the alleged debt, would fall under the definition of " Communication '' under the FDCPA.

In accordance with my rights under 15 USC 1692c ( c ) of the FDCPA, I am hereby providing you with formal notice to immediately cease any further communication concerning this account. This includes, but is not limited to, telephone calls, emails, social media interactions, or any contact made through a Consumer Reporting Agency.

Please be advised that any further contact or communication from your agent or company, except for a communication acknowledging receipt of this letter, will be considered a violation of the FDCPA. Please take this notice seriously, as I intend to enforce my rights under the law.

By disregarding this cease-and-desist notice, you leave me with no choice but to initiate legal action against your company. Any ensuing legal action will seek the appropriate remedies and potential damages available under the FCRA and the FDCPA.

I kindly request your prompt attention to this matter, and I trust that you will comply with this cease-and-desist notice without the need for further legal intervention. Please acknowledge receipt of this letter in writing to confirm your understanding and commitment to comply with the provided instructions.
Product: Credit reporting or other personal consumer reports

FCRA 605B requires the deletion of any incorrect accounts from my credit report. Please inspect the documents, as there are mistakes in the reporting of amounts and dates for some accounts.
Product: Mortgage

XX/XX/XXXX just received my mortgage loan. The first month they raised my payment over XXXX. I went on XX/XX/XXXX and saw so many complaints and reviews saying the same thing happened to many others. I spoke with a man when I first got notice of the increase. He said he would lower it to XXXX and it would stay at that amount for XX/XX/XXXX years. Listen to our call. Today it raised again. This company is horrible to work with. Their staff goes around in circles trying to explain what the difference is from. I'm on XXXX and on a fixed income. Every time they raise the amount I'm fearful of not being able to afford my mortgage. Please examine all the other complaints and reviews on XXXX  website. They should not be in business. When you finally can get ahold of someone they just start rambling of why you owe and they're sorry but it had to be raised. This is insane to have to call every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

First someone used my social security number is not mines nor mines. whomever had this acct they turned the car n but it is on my credit report as a repoe I have no knowledge of this car at all
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit companies are not complying with their own policies in a timely manner. A complaint was mailed on XX/XX/2022 and it's been over 30 days with no resolution.