23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> a credit card was attempted without my consent from Sams Club ( SYNCB/SAMS ). I immediately contacted the Sam 's club, 2 days later I finally got a ahold of them but they never responded back. I then left them another message with no response. So I then tried contacting the credit card company itself. They took my info and said they'd be in touch. Nothing for a week. I called back and was told there was no record of me calling. The guy was a little more helpful and started an " investigation ''. I was then told I would receive a letter in the mail in one week. Nothing. I call back a 3rd time, I'm again then told they have no record of me calling! This time the lady takes my info again, gives me the exact same speech and says I'll receive a letter in the mail... now I'm here. I have gotten no word, no letters, nothing in almost a year and I still have the hard inquiry on my report. Synchrony Bank Sams, very unprofessional..
Product: Debt collection

According to my credit report on XX/XX/2016 I purchased something from XXXX. Jefferson Capital is now on my report, the collection agency. I have never been to a XXXX. Im guessing this was identity theft. I have disputed this with XXXX through XXXX XXXX and it was denied. Case number XXXX.
Product: Debt collection

I pulled my credit report and discovered these accounts as collections on my credit report. I sent a dispute requesting validation of my debt to you and all three bureaus., not validation of my address. I did not receive a response to what I have requested and was reported as meets the Fair Credit Reporting Requirements. I have included a copy of what I have sent to you and the Credit Bereaus. If you can not provide all of the information requested you are by law required to delete all entries off my credit report.
Product: Credit reporting or other personal consumer reports

In My 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my XXXX credit report on XX/XX/2024 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 ( XXXX ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 1681sXXXX 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: Vehicle loan or lease

Trying to get out a bad loan with a interest rate of 28 %, my car is worth XXXX and in 6 years I wouldve payed XXXX
Product: Credit reporting or other personal consumer reports

XXXX and XXXX of 2025 reporting late payments. This is also stating that a balance of XXXX due and delinquent. This is inaccurate and was reported XXXX. I am writing to formally dispute inaccurate information on my credit report and I believe is harming my financial well-being. I am aware of my right under the Fair Credit Reporting Act and request through investigation into these inaccuracies, as required by law.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/19 I received a letter in the mail from XXXX XXXX XXXX XXXX stating that this was an attempt to collect a debt. The amount due was {$1000.00} and that the original creditor was XXXX XXXX XXXX. The first sentence in the letter says Pendrick Capital Partners II LLC has purchased the account referenced in this letter. Yet the letter is from XXXX XXXX Solutions.

XX/XX/19 I recieved a letter in the mail that stated it was a debt and that I owed {$460.00} and that the original creditor was Pendrick Capital Partners LLC. Why is this company using 3 different names referencing them all back to each other. 
I mailed a letter back to XXXX XXXX XXXX which I am attaching requesting them to verify the debt. The back of the letter they sent me specifically states what I was allowed to request within 30 days. And I requested exactly that so I could verify this was even a valid debt that I owed it. I received a letter back which looks to be a scanned copy of a bill. Which seems to be fake. 
# 1 I should have also received this bill. It is clearly addressed to me and my address. No such bill ever came to me.

# 2 This is supposed to be a itemized bill as their letter says that is included with the bill, the bill is for {$1000.00} and only 1 thing is listed for the charge. If this was a real bill there would be more than 1 line item billed for.

This is not a real bill nor enough for me to verify I am connected to this debt alleged. 
# 3 the address on the bill is from a place in XXXX XXXX Nevada ( I live in MIssouri ) but it has printed in caps letters THIS IS FOR SERVICE AT XXXX. I do not feel any of this is acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE ALOT OF FRAUDULENT INQUIRIES IN MY CREDIT REPORT. I HAVE REPORTED IT TO THE BUREAUS BUT I DID NOT RECEIVE ANY RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2022 XXXX XXXX of XXXX via NC XXXX XXXX XXXX illegally obtained my credit file from TransUnion. The request for deletion of this inquiry was denied by TransUnion even after being provided direct information from the dealership of the unauthorized request. 

XXXX XXXX XXXX XXXX on XXXX XX/XX/2022 obtained my credit file without my authorization or permission from TransUnion. My request for the deletion of this inquiry was denied by TransUnion even after I provided them with information from the dealership of the unauthorized inquiry.
Product: Mortgage

My mortgage has been with Ocwen for approximately 15 months, and during that time all of my payments have been made in full and on time. 
In XXXX 2015 I received a check from Ocwen for {$1100.00}, without explanation. When I looked at my online account I saw that Ocwen estimated my property taxes to be {$550.00}. My taxes were due in XX/XX/XXXX and the actual amount due was {$1600.00}. So I realized Ocwen had miscalculated my taxes, resulting in an overage in my escrow account, and that is why I received this check. I made the first of many calls to Ocwen, wrote XXXX letters, and returned the check to the Escrow Department as directed by Ocwen 's Customer Care agents. I mailed the check on XXXX XXXX, 2015. 
The {$1100.00} has never been returned to my escrow account. I last spoke with an Ocwen Customer Care Supervisor, XXXX, # XXXX, who told me that she would " escalate '' an inquiry with Escrow Department and call me back when they had responded to her. I have not heard back from her. 
Two months is more than reasonable and adequate time for Ocwen to return my money. My phone calls to Ocwen Customer Care have been disregarded and not followed up. 
I want my {$1100.00} returned to my escrow account and I want to be credited with back interest from XXXX XXXX, 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. 
Please opt me out of pre-screening offers and send me copies of updated credit files.
Product: Debt collection

I have asked this debt collector to only contact me through my Cell and home phone, they keep calling my work and mailing notices to my job after I had already gave them my home address.
Product: Credit reporting or other personal consumer reports

I would like to request the removal of the late payments that have been inaccurately reported on my credit history or without proper validation, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). Specifically, I am seeking the following : 1. **Correction or removal of the late payments : ** - I request the immediate removal of the late payments reported on the following accounts : - XXXX  - Account Number : XXXX - Late Payment Date : XX/XX/XXXX - Payment Status : 30 days late - Last Payment Date : XX/XX/XXXX - XXXX XXXX XXXX - Account Number : XXXX - Late Payment Date : XX/XX/XXXX - Payment Status : 30 days late - These accounts reflect late payments that I believe to be inaccurate or improperly validated. According to **15 U.S.C . 1681 ( a ) ( 2 ) ( A ) ( i ) **, my consumer report should not contain information solely related to transactions or experiences between the consumer and the creditor. Since the payment history and late payments are considered part of these transactions, they negatively impact my credit report and should not have been included without proper verification.

2. **Verification of Billing Procedures ( 15 U.S.C. 1666 ( b ) ) : ** - I am requesting that you provide me with, in writing, the reasonable procedures you have adopted, according to **15 U.S.C . 1666 ( b ) **, to ensure that each periodic statement was mailed to me ( the consumer ) no later than 21 days before the payment due date. Please also include all information required by section 1637 ( b ) of Title 15.

3. **Written confirmation : ** - I ask that I be notified in writing once the late payments have been removed from my credit history, and that I be provided with an updated copy of my credit report.

4. **Prevention of future errors : ** - I request that measures be implemented to prevent future inaccuracies in my credit history. This includes verifying the accuracy of any information before it is sent to the credit bureaus.

5. **Response Period and Assumption of Non-Validation : ** - You have **30 days** from the date you receive this letter to provide me with the information I am requesting. If you do not provide this information in the allotted time given, it will be assumed that you can not verify the late payments on the dates specified above ( due to lacking reasonable procedures to ensure the accuracy of my account ). In this case, I would request that you **remove the late payments** from my account and consumer report with the following consumer reporting agencies : **XXXX, XXXX XXXX and TransUnion**, and update the accounts to positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get a home and I have filed identity theft because there has been an abundance of inquires on my report. I can't get anything let alone I refuse to have my credit ran with all these inquires on it. 15 USC 1681
Product: Student loan

On XX/XX/2017 I reached out to Nelnet regarding an extension for my Income Based Repayment Plan because I had yet to receive my W-2 's. The representative informed me that this information was not due until XXXX and I had " plenty of time ''. I then asked her to notate my account of this " due date '' and she did. Today, XX/XX/2017 I called Nelnet and requested the IBR form and the rep. informed me that the form was due tomorrow and that I have been " kicked off '' IBR and that I would face capitalization of my accrued interest of the past year and that would be applied to my principal balance. She acknowledged that a rep had written an XXXX due date on my account and that this was incorrect information given to me by this representative. Since she would not assist me after I was provided incorrect information by her colleague, I asked to speak to a manager. I was transferred to XXXX who stated that my IBR form was not due tomorrow, but due last month. He also acknowledged the XXXX due date notated on my account and also acknowledged that I was given an incorrect due date however would not assist me. In fact, I am being penalized. I am now being Capitalized on my interest, in the amount of {$2300.00}, toward my principal balance. Both representatives are acknowledging that another agent gave me that information and are still penalizing me for acting on it.
Product: Credit reporting or other personal consumer reports

Hi, i am XXXX XXXX, i am requesting verification/investigation and disputing the below inquires from my credit file and credit report. I never applied to these lenders and all of these lenders did not have permissible purposes to pull my credit report. Their practices have been unfair deceiving and they have had unequal bargaining power. I applied to one car lender and that was XXXX. I dont understand how every other lender was able to pull my credit report off of that XXXX credit pull from XXXX XXXX am aware that all of these inquiries should have only been treated as XXXX credit pull, meaning only one inquiry should be reported/reporting. 
I am requesting that you all provide the certified Uses signed by me that shows exactly why the lenders would be pulling & using my credit and that it is signed by me and that they had permissible purpose to do so. Provide this immediately. Please also provide a certified original of my permission & consent. And lastly, Please delete all the below inquiries from my credit file and credit report immediately. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX ( total of XXXX inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( total of XXXX inquiries ) All other inquiries on my credit file and credit report. 


Please note failure to do the above requested will severely damage as i have been unable to obtain future credit because of those inquiries.
Product: Debt collection

To. Consumer Financial Protection Bureau Greetings, I was XXXX from the Military because of XXXX and after a few years of struggle and hardship I could'nt afford to pay all my debt so I decided to enroll in the debt Settlement program. XXXX of my Debt is XXXX an unsecured Debt, which I owed a total of almost XXXX the debt settlement company the XXXX informed me that they already settled the Debt through Midland Credit Management account # ending ( XXXX XXXX in the amount of XXXX check # XXXX paid on XX/XX/2016 and they deducted to my trust fund at XXXX. now the Issues are the Midland Funding LLC is continued reporting to the credit bureau that my account is still open and they continued demanding that I owe money to this collection company Midland Funding LLC I hope the Bureau can Help me to solve this matter.
Product: Mortgage

On XX/XX/XXXX I wrote to Ocwen Loan Servicing , LLC about the discrepancies with my mortgage billing statements. I De-Estrowed my property taxes from my mortgage XX/XX/XXXX so I 've been paying my property taxes myself and my taxes are paid current but, from XX/XX/XXXX through XX/XX/XXXX the problem is what I do n't understand why I have been billed for Escrow in the of $ XXXX cents and past due fees/other charges for {$5.00} dollars per month also, negative Escrow amounts $ XXXX dollars for XX/XX/XXXX, and XX/XX/XXXX a negative $ XXXX dollars, and {$35.00} dollars for XXXX months. I just reviewed my statement for XX/XX/XXXX there is that {$35.00} Escrow charge to my account. I 've sent them copies of my paid property tax statements. According to the letter they forwarded me dated XX/XX/XXXX they said that the information I provided does not indicate that I have a refund due. I think they owe me a refund. I ca n't seem to get these Representative at Ocwen do n't seem to understand what I 'm telling them it 's very frustrating I need someone to help me resolve this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third part involved. Notice, it is a fact the FCRA governs all credit reporting, and all information shall be verified before furnished ( case omitted ). Notice, it is a fact EXPERIAN has acted against my consumer privacy and protections by not verifying the account ( XXXX XXXX XXXX ). Notice, I have requested through numerous affidavits for this documentary evidence, every time none is presented back not even a lawful response with their affidavit ( by the way is the only lawful way to respond to a affidavit ). This information per the FCRA that is being mistakenly be reported should of been through a 5 step verification ( case omitted ), which was not done at all EXPERIAN just furnish this information from they furnisher for profit, without verification or documentary evidence first. I have submitted the only evidence showing not my account or alleged debt, EXPERIAN chooses to always deny my affidavits or ignore them with stall tactics. I ask EXPERIAN please have a Senior Executive under penalty of perjury say they received any consent or permission or anything from me to use my consumer information or furnish anything in the first place. This inaccurate reporting is creating financial hardship on me and my family. EXPERIAN is participating in CIVIL XXXX acts. EXPERIAN and XXXX XXXX XXXX are trying EXTORT me for large sums of money. Reporting and sending me deceptive letters through mail to make me think I owe something I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 12 and 13 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late 120 days closed XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$790.00} - Collection XXXX XXXX  XXXXDate Opened : XX/XX/XXXX Balance Owed : {$17000.00} -late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

Carhop sold me back to back dangerous and improperly working vehicles. After the first one, I was given the option to pick another vehicle. The vehicle I chose was also mechanically unsafe and unfixable so instead if chosing yet another vehicle, I wanted out of the contract. After being told I was being released of all responsibility. I find out the loan was still open on my credit causing me to have to purchase another vehicle elsewhere at 21 %. Then when it closed, it was in a derogatory " settled for less than full balance '' status. Then it reported a late payment in XXXX 2018. I was never late and account was closed in early XXXX. I have contacted them and disputed multiple times.
Product: Debt collection

CREDIT MANAGEMENT LP Added a collection notice to my XXXX credit report, I have never owed a dime to this company nor charter communications. 

I want this to be removed as soon as possible, charter services are not even offered in my zip code, this is preventing me from succeeding on my house mortgage approval and I do not owe them anything. 

I called them twice already and they can't give me any information on this account because my information doesn't match the account and yet they are reporting this to the credit bureau which is illegal, how can you report an account to a person that you cant verify this is the second time a collection from XXXX XXXX appears in my credit by different collection agencies. 

I have attached the letter from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these same items for months and no help. Please delete these inaccurate and unverifiable items from my report immediately