23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It states that I have a closed account with XXXXXXXX XXXX from 2019 but this account was closed because it paid in full. Equifax is reporting incorrect information about this account and I would like for it to be removed as quickly as possible. This is effect my credit score. This account was paid in good standing and was not delinquent. I have a new account with the company that is in good standing.
Product: Debt collection

This debt was about a medical bill. I was admitted to the hospital because my husband and I had an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Then when I was at the hospital. I got treated and I am expecting my health insurance will cover the bill. But unfortunately, the coverage was out for just XXXX day. If only they have the empathy to waive the bill. I would definitely appreciate it and thanked XXXX I am alive and well after the XXXX XXXX XXXX XXXX XXXX If I only knew that my health insurance was out for XXXX day. I would not go to the hospital. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX than incur a bill and now I'm in debt because of this medical bill on my credit report. Please help and understand my situation. XXXX XXXX should have done something to get them paid. I have health insurance under the government medical benefits. If XXXX XXXX and my health insurance done their part to settle this, it would have been gone and no more dispute like this. I've been paying my health insurance consistently and diligently through my paycheck. And I will never be irresponsible of just letting this bill occur this long if I really don't have health insurance that time. I would definitely take care of it and will not harm my future as well. Thank you and I hope you would help me on my dispute.
Product: Debt collection

Being garnised. Called and informed them that I was XXXX of household. Was told that didn't matter. Also called when I had tje funds to rectify the debt and was told that I couldn't do that. Also called to asked how much is still due. Was told that they do not have to give me that information because Loan was defaulted. Also XXXX XXXX was also used to pay tuition. Also had to pay an additional XXXX dollars extra and still don't know why.
Product: Credit reporting or other personal consumer reports

The EDFINANCIAL accounts listed in the FTC report that Im attaching are results of identity theft. I have contacted the credit bureaus numerous times regarding this matter, and nothing has been done to remove these accounts. I'm attaching documentation in regard to this identity theft. I have requested that EDFINANCIAL provide the AGREEMENT and SIGNED AGREEMENT WITH MY LEGAL SIGNATURE to show full ownership of such an account and also other documents.
Product: Mortgage

On XX/XX/2021 wife tried to pay Escrow shortage on line with PHH Mortgage and was unable to do so. Wife called and was told we need to sign a document to be able to pay online and they would email it to us. Rep told us there would be a {$19.00} charge to do it over the phone, rep said they would waive fee. 
Wife tried to pay mortgage online thru PHH web site and is unable to. I called on XX/XX/2021 after she printed the document and document states this is " A signed amendment to the original note is required " I asked the Rep Agent ID XXXX if there is a fee and she stated there would be no fee for a AutoPay program or Reg US Mail XXXX which is stated on page 1 of the form ), I also asked if this was an amendment to our Mortgage and she stated no but, it says " A signed amendment to the original note is required ''. 
On note amendment # 2 states can charge up to {$19.00} per payment for payment methods not specifically provided for by the note, such fees are not limited to cost of processing or making payments methods available. 
On note amendment # 3 fees may include payments over the phone with a rep, automated phone system, online, or other methods not expressly provided by note.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, 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 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

About 6 years ago I refinanced my home. As part of this process, I thought my second mortgage was part of the refinance. I stopped paying my second mortgage thinking it was paid. Specialized Loan Servicing did not send me a statement nor did they try contacting me until this year. They contacted me via certified mail and explained that if I did not pay my back second mortgage payments they would foreclose. At first I thought it was a scam. Nothing was on my credit report showing I was delinquent and like I said they never contacted me up until this year. I was able to secure a HELOC to pay off the Specialized Loan Servicing demand. Normally a delinquent loan does not qualify for a second mortgage but since they never reported it delinquent I was able to easily get a loan. Unfortunately I had to pay a ton of interest that I would not have accrued had they sent me a statement or contacted me in any way. In addition to this, they refused to refund an over payment made to settle the loan. They agreed to a lower payoff amount however my loan to pay Specialized Loan Servicing off was already in flight. Instead of redoing the payoff with my current lender I sent the full payoff amount. This was {$17000.00} more than the agreed payoff. Specialized Loan Servicing refused to refund this overpayment.
Product: Credit card or prepaid card

Applied online with XXXX XXXX and Wells Fargo in order to do a balance transfer to my XXXX XXXX XXXX card. I incurred a large debt and I needed $ XXXX interest-free for 12-18 months and wanted it by XX/XX/19. XXXX XXXX came through and paid my XXXX XXXX XXXX. Wells Fargo on the other hand sent me a card in the mail with a {$7000.00} limit. This was not what I applied for. They sent {$6500.00} to XXXX XXXX XXXX which caused an overpayment since XXXX XXXX already paid off the card. I called XXXX and authorized them to return the money, which they promptly did. The check was deposited by Wells Fargo but never credited my account. Wells Fargo claims they dont the money and I have a bill from them for payment due on {$6500.00} which I dont have. Now I'm incurring late fees and possible negative credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to you with great concern regarding a matter that has recently come to my attention. Upon reviewing my credit report, I discovered that there is an entry from your company, ZUNTAFI CORP, which has significantly damaged my credit score. It appears that this entry has been made without any basis or justification, as I have never engaged in any business transactions with ZUNTAFI CORP, nor have I ever had any dealings with your organization. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ), it is imperative that accurate and verifiable information is reported by credit agencies and companies. However, the entry made by ZUNTAFI CORP on my credit report is entirely erroneous and has had a detrimental impact on my financial standing. I hereby request that ZUNTAFI CORP promptly rectify this error and remove the inaccurate information from my credit report within 72 hours. Failure to do so will leave me with no choice but to pursue further legal action against ZUNTAFI CORP for violating the FCRA and causing undue harm to my creditworthiness. I trust that you will address this matter with the urgency and seriousness it deserves. Please acknowledge receipt of this letter and confirm your actions to rectify the error as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. Accounts Opened Amount Social Security Admin XX/XX/XXXX {$32000.00} XXXX XXXX XX/XX/XXXX {$140.00} Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

IC systems is trying to collect on a debt that was a result of identity theft. Back in XXXX of this year XXXX services tried to collect on this debt and I had it removed from my credit report. I do not or have I ever had a XXXX mobility account nor have I ever lived in XXXX XXXX.I want this removed from my credit reports immediately. Apparently IC systems bought the debt from XXXX  services and is trying to collect on it. If they want me to get a lawyer and sue them no problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to fix this XXXX XXXX XXXX  account XXXX My credit report attached is still showing inaccurate information between the three different bureau. Date of last activity, Closed date, payment history, date of first dilinquency are all incorrect. Please fix. XXXX XXXX XXXX XXXX XXXX XXXX. Attached proof of inaccuracy on my credit report.
Product: Credit reporting or other personal consumer reports

I received a notice from you saying the disputed accounts listed below were verified and since all THREE ( 3 ) credit reporting agencies are reporting different information regarding these accounts, I would like to know what you verified, what you modified. PLEASE SEND ME A DESCRIPTION OF WHAT YOU VERIFIED AND MODIFIED? And the procedure of the investigation. This will be EXHIBIT 3A ( 3 in 1 report will be Exhibit 3 ) If you are unable to provide this information, please delete/remove and block disputed items from my file immediately. I intend to file an FCRA claim in federal court and with the CFPB pending you response to my request.
Product: Credit reporting or other personal consumer reports

This consumer sent a certified mailing to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  an Affidavit of Notice to Dispute and Demand for validation and proof of claim. There are several violations that they have comitted against me and I never had a contract with them. 

Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. ( Please see attachment ) for dispute of this unvalidated debt. These third party companies continue to make false claims against consumers who have never contracted with them. I DO NOT OWE THIS DEBT. I HAVE NEVER SIGNED ANY CONTRACT or HAVE NEVER VERBALLY ACKNOWLEDGED OR CONSENTED into any kind of agreement. They are causing me harm and I would like this to be rectified immediately In the Name of XXXX! 

MAXIMS OF LAW 1. TRUTH IS EXPRESSED IN THE FORM OF AN AFFIDAVIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
2. AN UNREBUTTED AFFIDAVIT STANDS AS TRUTH IN COMMERCE XXXX XXXX XXXX XXXX XXXX XXXX. If claims made in your affidavit, if not rebutted, emerge as the truth of the matter. XXXX XXXX : He who does not deny, admits. 
3. AN UNREBUTTED AFFIDAVIT BECOMES THE JUDGMENT IN COMMERCE XXXX. There is nothing left to resolve.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount : XXXX XXXX XXXX  : XXXX : {$0.00} Date of Account : XX/XX/year>
Product: Debt collection

Disputing the inaccurate, misleading, and potentially unlawful reporting of the following collection account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), credit reporting agencies are legally required to ensure that all information reported is accurate, verifiable, and fair. The reporting of this account contains multiple errors and potential violations that must be corrected immediately. Debt Buyer : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year>. Disputed Errors : Unverified debt collection reporting. Incorrect past due balance reporting. Failure to validate debt upon request. Potential illegal re-aging of the account. Possible violation of IRS regulations if a 1099-C was issued VIOLATIONS OF FEDERAL LAW : Unverified Debt Collection Reporting FCRA 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ) XXXX XXXX XXXX is a third-party debt buyer with no documented proof that this debt has been validated as required by law. FCRA and FDCPA prohibit the reporting of an unverifiable debt. 2. Inaccurate Past Due Balance FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) The report states a past due balance of {$490.00}, which is the same as the original balance. If XXXX XXXX XXXX purchased this debt for less than the original balance, they can not legally report the full original amount owed unless they provide documentation proving they are entitled to collect the full amount. Adding unauthorized fees or interest would be a violation of FDCPA ( 15 U.S.C. 1692f ( 1 ) ). 3. Failure to Validate Debt Upon Request FDCPA 809 ( 15 U.S.C. 1692g ) XXXX XXXX XXXX did not provide the original signed contract, itemized payment history, and clear proof of debt ownership, I've requested them to cease collection efforts and remove this account from my credit report. I demand immediate removal or written validation of this debt immediately. FCRA 605 ( c ) ( 15 U.S.C. 1681c ( c ) ) If XXXX XXXX XXXX has changed the date of first delinquency to make this debt appear newer, this is an illegal practice known as re-aging, which extends the negative impact of the account beyond its legally allowed reporting period.
Product: Credit reporting or other personal consumer reports

These outrageous inaccuracies not only subject me to embarrassment but also constitute a significant barrier to my rightful access to credit. You and I are fully aware of the laws designed to ensure that credit bureaus exclusively report veracious credit information. It is abundantly clear that the incorporation of such blatant falsehoods in my report is either a colossal error on your part or a grievous misstep by the reporting creditor. I am seething with frustration over the unjustifiable inclusion of the following erroneous details in my credit report : XXXX XXXX XXXX and please take note that, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I am the person making this complaint & I give cfpb authority to investigate this claim. I look forward on you removing the late payments and negative status of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX {$1800.00} Open balance, 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

In accordance with the Fair Credit Reporting act XXXX Account # 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 an Account without my written instructions.
Product: Credit reporting

I went on line filled out all the correct information to receive my free credit report. XXXX gave me my report the other XXXX bureaus would not. Without all XXXX reports I can not use this information to take to my bank. I answered all the questions correctly. It seems to be a scam that if I can identify myself correctly with XXXX the others should comply. There should be XXXX portal. Now that I have used up my 'once a year ' with XXXX and I do n't have the other XXXX reports I am stuck to wait XXXX year. They offered to give me a report in 30 days ... what good does that do? This is just a complicated way of not providing consumers what they legally have the right to.
Product: Credit reporting or other personal consumer reports

As a final step in this dispute process, I am issuing this letter to demand immediate resolution of the ongoing violations concerning my credit report. Your continued failure to address my disputes is a direct violation of federal law, specifically 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ), regarding furnishing reports in connection with transactions not initiated by the consumer. 

In my previous correspondences, I highlighted unauthorized inquiries that remain unresolved. This failure to act places your agency in willful non-compliance with the Fair Credit Reporting Act ( FCRA ). 

For the following items, you are instructed to act in full compliance with the law :
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Original Creditor : XXXX XXXX Balance Owed : {$1000.00}
Product: Credit reporting or other personal consumer reports

Hello, I reviewed my consumer reports and noticed that I had a Charge Off account from XXXX Account number : XXXX Reported XX/XX/ on my Equifax consumer report. Consumer Reporting Agencies have : assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy.The IRS Clearly defines a Charge Off as Gross or Ordinary income, Income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

Prohibition : a law or regulation forbidding something As Defined by The IRS.

Late Payments Also the Consumer Reporting agency is reporting Late Payments on this account. Late payments are illegal.

15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My Transactions or experiences with your company by law are excluded from my consumer I need this transaction or experience deleted from my consumer report.
Product: Student loan

I hope this message finds you well. 

My name is XXXX XXXX and I am a full class member of the Sweet v. Cardona settlement. I attended XXXX XXXX XXXX from XXXX to XXXX. My borrower defense application has been approved, and my student loans totaling {$40000.00} have been fully forgiven, as reflected by the {$0.00} balance on both the Mohela website and the Department of Educations website.

Per the Sweet v. Cardona settlement agreement, I am entitled to a full refund of the monies paid to XXXX XXXX XXXX. Section VII, Paragraph 4 of the agreement clearly stipulates that these refund payments can not be applied to any outstanding student loan balances. However, I have yet to receive my refund check. 

Given that the settlement also specifies that refunds should be issued promptly, I would appreciate an update on when I can expect to receive my refund. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in the State of North Carolina rented a residential property in XXXX during the Covid 19 pandemic using my information and I was evicted the same year due to failure to pay rent. I have never been in the State of North Carolina before and I have never signed a residential lease for any property in the State of North Carolina. I have been living in the State of Florida since XXXX of XXXX and I have never moved to another State since then as we can verify thru my address history record showed in my credit report and other documents. At the time of this incident I was living at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX and my employer was located in XXXX XXXX, FL. 

Im requesting to kindly please remove this collection/charge off record off my credit report opened on XXXX of XXXX in the amount of {$9700.00} due to this incident as this is affecting me and my family. 

Thank you and regards, XXXX XXXX
Product: Money transfers

On XXXX XXXX, XXXX, I wired {$8600.00} to a Capital One 360 account. It was posted XXXX XXXX, XXXX but the receiver advised me that Capital One wanted me to request the money be returned to my account. I submitted a letter to my bank and they wired it the same way the money was wired. I have been in contact with my bank and Capital One since then trying to get my money returned. During this time, I have learned that the recipient has a history of wire scams that I was unaware of. The last correspondence was on XXXX/XXXX/XXXX with Capital One. Their representative told me that no one had access to the money and Capital One was still looking into the situation.