23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

1. At the beginning of XX/XX/2019 American Express cancelled both of my accounts I had with them while I was having medical issues after being less than 45 days late. At the time I was notified I called immediately and was told that the accounts had been closed 3 days prior to me having received notice in the mail. I believe american express timed the delivery of my notification in an effort to subvert my ability to make a timely payment so that they prematurely close my account. 

2. After seeing that the account was closed I began making regular payments to buy time until I could pay off the balance in full. On XX/XX/2019 I paid off both of my accounts in full through their online portal and showed a XXXX balance on both of them. today XX/XX/2019 I began receiving collections calls at XXXX XXXX and as of the time of this complaint I have received 4 calls informing me that I have a balance on my american express accounts in the amounts of approximately {$13.00} and {$37.00} respectively. After learning this I immediately call american express to find out how I had a balance in collections for two accounts that had been paid in full only 11 days ago. I was told that the balance was interest that had accused after my final payment. I then asked how I was supposed to know that they had added interest to an account that from my perspective had been closed and paid in full if they had not given me notice. I was told that they had mailed me 4 separate pieces of mail attempting to collect the debt. I find this very hard to believe given the very short time frame from when I paid in full to when I began receiving collections calls. 11 days seems to be a very unreasonable amount of time for someone to be sent to collections. I was made to feel as though I was attempting to not pay off the account. On XXXX XXXX I paid off nearly {$4000.00} between the two accounts and I would submit that given the amounts and my attempt to fix the damage that this has done to my credit it does not make sense that I would have avoided only {$50.00} of Nearly {$4000.00} debt. I find these practices despicable and I believe they are motivated by discrimination based on the fact that one of my accounts is an american express optima account. The Optima account was an account that american express was forced to create and offer to consumer who where included in a legal settlement that was reached following a suit filed for similar unfair practices by american express. It is my belief that american express wanted nothing more that any excuse to be able to cancel the accounts of Optima card holders and found my short lapse during my illness to take advantage of the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whomever it may concern, The actions of XXXX Bank and the various agencies that have refused to address this manner are acting against Fair Credit Reporting Laws. I am attaching additional documentation for my communications with XXXX Bank. You can see that they inferred that they would make a goodwill adjustment, despite the fact that there was never a missed payment to begin with and XXXX Bank has told me each time I call to write a letter or report to the credit bureau to get it fixed. Everyone who answers the phone apologizes and says that they don't have such authority. Please read attached correspondence that are screenshots from communication with XXXX Bank, as well as the previous dispute.
Product: Debt collection

On XX/XX/XXXX I took a look a my XXXX report and found some inaccurate items on my credit report. A collection for XXXX was listed on my credit report that I am not responsible for. The orginal issues was XXXX XXXX. I am a victim of idenity theft. Below is a copy of the information. 

Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$62.00} {$62.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your XXXX XXXX XXXX 
Payment Info Original balance {$62.00} Balance {$62.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX, MAXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online
Product: Credit reporting

I was informed by a mortgage lender yesterday that my mortgage application was denied due to the reporting of a Ch. XXXX bankruptcy in my TransUnion records. I 've never been in bankruptcy, and this was my very first indication of any problem with my credit EVER. The other XXXX agencies, XXXX and XXXX do not show such information, and none of the XXXX agencies, including TransUnion, show so much as a late pay in my many decades of credit history. My FICO scores have remained high throughout the period TransUnion shows a bankruptcy ( XXXX ). This is obviously a clerical error on the part of TransUnion, but has damaged my credit so that I am about to lose a property I have gone under contract to purchase. Time is of the essence here, but I evidently can not get in touch with anyone directly to help me, and must await the slow process of dispute resolution .... Can anyone, anywhere help me now???
Product: Debt collection

I've have disputed this account with XXXX XXXX XXXX last year in 2019 and they didn't have sufficient information to come after me for debt because the debt isn't mine.Once it was proven debt wasn't mine the company ceased collections and removed negative information off my credit report. Now I see Credence bought this debt from XXXX XXXX XXXX  from a portfolio of paper ( debt ). Its my understanding that its illegal and a violation if debt was deleted from my credit report and reinserted from another company? My attorney XXXX XXXX XXXX, XXXX, Florida  told me that if any company try to buy that debt and try to collect to let him know.
Product: Mortgage

In XXXX of 2019 I received notice that the other borrower on my FHA mortgage with Flagstar bank had filed for bankruptcy. He had moved out of the home 7 years prior to the initiation of his bankruptcy and signed a quit claim deed to me relinquishing all interest in the home. I filed the quit claim deed with the county and continued to pay the mortgage as agreed, but contacted the mortgage company after I received notice of the other borrowers bankruptcy to verify that I would continue to receive monthly statements and how the other borrowers bankruptcy affected me. I was reassured by the bankruptcy department at Flagstar that I would continue to receive statements titled for informational purposes only and that as long as I made the payments nothing would change. In XXXX of 2019 I received a notice on my monthly mortgage statement from Flagstar that {$930.00} had been added to my loan for legal fees. The mortgage company agreed to send me an itemized statement of the fees for me to compare to the threshold of legal fees permissible for an FHA loan. I never received a breakdown of the legal fees. As of XX/XX/2019, the mortgage company now claims that I can no longer receive mailed monthly mortgage statements or a breakdown of the legal expenses due *until I sign a reaffirmation agreement ; despite the fact that I never personally filed for bankruptcy. * The mortgage company is also claiming that the reaffirmation agreement is currently in the possession of the other borrowers attorney and that the mortgage company is unable to send me a copy to sign personally.
Product: Credit reporting or other personal consumer reports

This account XXXX XXXXXXXX XXXX XXXX XXXXXXXX I have a medical collection on my credit report that I believe is illegal, and I am requesting its immediate removal. 

Legal Grounds : Compliance with the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : This law requires that all information reported to credit bureaus must be accurate, verifiable, and complete. The medical collection on my report does not meet these criteria. I have not been provided with proper validation of this debt as required by law.

Protections under the Health Insurance Portability and Accountability Act ( HIPAA ) : The inclusion of this medical debt may also implicate HIPAA violations if the debt collector or original medical provider disclosed my sensitive medical information improperly. Such disclosure without my explicit consent is a violation of my privacy rights.

Protections under the Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 : This law regulates debt collection practices and prohibits any unfair or deceptive practices. In this case, the failure to properly verify the debt constitutes an unfair practice.

Specific Issues with the Collection Account : Lack of Verification : I have repeatedly requested verification of this debt from the collection agency and have received no response. Under the FCRA, if a consumer disputes the accuracy of an item on their credit report, the credit reporting agency must investigate and correct any inaccuracies.

Incorrect Reporting : The reported amount and status of the debt are inaccurate. The debt includes charges that should have been covered by insurance, as well as charges that were incorrectly billed. Such inaccuracies severely impact my creditworthiness and are unjust.

Impact on Credit Score : The erroneous collection has significantly and negatively affected my credit score, causing undue financial harm. The continued reporting of this debt contravenes the principles of fairness and accuracy mandated by the FCRA.

Request for Immediate Action : Given the aforementioned legal violations and inaccuracies, I demand the immediate removal of this medical collection from my credit report. Failure to comply with this request will leave me with no alternative but to pursue further legal action to protect my rights, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and potentially initiating litigation for damages incurred due to the incorrect reporting.
Product: Debt collection

These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX  have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA

Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had a fraudulent account on my report. Please remove this account from my report, This is hurting my ability to obtain credit, and also causing me to have very high unfair interest rates.
Product: Prepaid card

When Problems or concerns arise regarding missing money from my account, taking fees that weren't never supposed to be taken. I have a few others that are hard to explain but I lost over XXXX  $ from cash app because there is no one to answer my call or help me with the situation. It's always a bot that you have to speak me
Product: Debt collection

I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification XXXX and XXXX and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. 
The Account was established in XXXX of XXXX The address attached to this account differs from the address I have lived at since XXXX The payments made on this card was drawn from a bank account that is not mine, this bank account was opened from an address that is not my address.
Product: Mortgage

On XX/XX/2018 I spoke to XXXX XXXX regarding an error Bayview Loan Servicing created on my Loan Number : XXXX XXXX sold my load to Bayview Loan Servicing. Bayview Loan Servicing is reporting I am 3 months late. However I have never been late as I have banking  information and statements showing my payments.
Product: Debt collection

I am writing to dispute and request corrections to the inaccurate information on my credit report. It has come to my attention that there are errors in the reporting of certain accounts, and I kindly request a thorough investigation and rectification of these issues : Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX, and Dept Of Ed/Nelnet XXXX XXXX I was the victim in this situation, and I am perplexed as to why this credit bureau is not complying with the law, especially considering that other bureaus have followed suit in correcting these inaccuracies. I expect a thorough investigation into these matters and prompt corrective actions. Please provide me with written confirmation of the results of your investigation.
Product: Payday loan, title loan, personal loan, or advance loan

I am being sued by Onemain Financial Group for defaulting on my loan. XXXX XXXX : XXXX. I have been with Onemain for over 15 years, with loans that were paid in full or extended to bring past due payment current, with were added to the current loan. I am so heavily in debt ; I will be filing bankruptcy for the first time in my life. As I was looking on my contract with Onemain, I notice that the CFPB found that Onemain was using deceptive practices. On my contract with them I have the same add-on {$1000.00} XXXX XXXX XXXXXXXX : {$1600.00} XXXX XXXX ever since XXXX. My complaint is that Onemain never told me about your lawsuit. Now my personal character and trustworthiness among friends and family has been tarnished from the shame of filing bankruptcy. I would have gone to court without the knowledge that they owe me money. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing about Equifax. Equifax has been receiving payments from me without giving me access to my account. 

I was the victim of identity theft in XXXX after which Equifax locked my account. In XXXX I was able to get it unlocked and regained access for a while. After a few months the account was locked again. I since am trying get access again to my account without success. The only answer I get is that it is locked for investigation and nobody is willing to help. This is all happening while I am still a paying customer. Here is a brief history of my communication in the last two months. 

Dates and actions : XX/XX/XXXX Received Email and followed up with call : Speaking with : XXXX Cant help, wait more time. Locked for investigation. 

XX/XX/XXXX Speaking with : XXXX Status still under progress Send email to customer support : XXXX Will arrange a call back - 72 hours cycle No ticket number available XX/XX/XXXX Ticket number : XXXX XXXX XXXX XX/XX/XXXX ( got email confirmation ) Fax with documents XX/XX/XXXX ( got email confirmation ) Fax with documents XX/XX/XXXX Fraud alert removed, email confirmation
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX are breaking the law per 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I, XXXX XXXX AS THE CONSUMER HAS NEVER GAVE ANY CONSENT FOR XXXX, TRANSUNION OR XXXX TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! Ive sent certified mails to each consumer reporting agency in which I was ignored and its been well over 30 days! 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX certified mail tracking number Received : XX/XX/2022 XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX certified mail tracking number Received : XX/XX/2022, XXXX XXXX Transunion - XXXX XXXX XXXX XXXX XXXX XXXX certified mail tracking number Received : XX/XX/2022, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXXXXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Debt collection

My name is XXXX XXXX I need to appeal a dispute debit because I disagree with the landlord agency 's response because the past due amount and default judgment are still in the appeal process it was transferred to the superior court and I need the dispute to be reopened for XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and account the number is XXXX and to be reinvestigated by reopening the disputes for all the parties for the whole due amount for {$35000.00} and XXXX address is XXXX XXXX XXXX XXXX PA XXXX XXXX.
Product: Credit reporting

again these people do not provide accurate information to me and did not help me please help dispute the items that they say that is on my credit report i have told them that my information is not correct an they still would not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost a lot of my personal documents in XXXX during the Texas hurricane. Since then, i have been receiving a lot of mail since my house is now fixed and in livable condition. I checked my credit report, and it is a lot of accounts on my credit report that do not belong to me. i have filed a police report and i will include the incident number along with additional fraud accounts that are on my credit report below XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX  XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX POLICE INCIDENT NUMBER XXXX
Product: Credit card or prepaid card

XX/XX/2019 Credit card was manually entered by a merchant that I did not do business with. The company forged documents and submitted those documents in the dispute case to my credit card company. The evidence provided by the company is clearly forged and no information providing my name on those documents or signatures from me. The dispute has been ruled in the merchant 's favor as of now. This was a fraudulent transaction. Please assist.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX this statement is being generated by me. The accounts mentioned in this report should not be reporting on my accounts as they violate the federal credit reporting act according to 15 US code 1681-B 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 ) by the written instruction of the consumer to whom it relates. I never gave these consumer reporting agencies my written or verbal consent nor instructions to report anything on my consumer report which violates my rights as a federally protected consumer. No consent is identity theft. As a federally protected consumer, I am demanding the deletion of these listed accounts immediately. 

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

I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional  interest, charges, or other fees placed on this account. 

I have attached a police report and an FTC report for identity theft.