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

B

eginning in XX/XX/2016 I began the process of fixing errors present on my credit report with Equifax, XXXX  and XXXX.

Each of these companies has sent back correspondents and has corrected some of the errors and has left a majority of them stating the same 2 responses : 1 ) We verified that this item belongs to you.

or 2 ) Information on this item has been updated.

Here are all the creditors that are reporting inaccurately on this credit report : Creditor : XXXX XXXX.

Creditor : XXXX XXXX Creditor : XXXX/XXXX XXXX XXXX XXXX  Creditor : XXXX/XXXX Creditor : XXXX XXXX *In reference to above XXXX XXXX XXXX XXXX , account name and date opened is incorrect.

Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX Creditor : 10 XXXX XXXX FLORIDA  Creditor : 12 XXXX XXXX XXXX XXXX XXXX Creditor : XXXX REGIONAL MEDICAL CEN Creditor : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : 07 XXXX UNIVERSITY Creditor : XXXX/XXXX *In reference to XXXX/XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REGIONAL MEDICAL CENTER, 12 XXXX XXXX XXXX 10XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account status, balance, and date opened, balance is not 100 % accurate.

Creditor : XXXX/XXXX *In reference to XXXX/XXXX, account past 7 yrs. and balance is in error.

Creditor : XXXX XXXX XXXX/NAVIENT Equifax has deleted XXXX XXXX has deleted XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has deleted XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX, XXXX/XXXX
Product: Debt collection

I HAVE RESPECTFULLY IN XX/XX/2023 AND FOR THE SECOND TIME IN XX/XX/2023 IN WRITING CLEARLY EXPLAIN TO THIS COMPANY THAT THIS IS NOT MY DEBT AND TO " STOP CONTACTING ME '. DESPITE MY RESPECTFUL REQUEST TWICE IN WRITING, THEY CONTINUE TO HARASS ME SENDING ME 5-8 LETTERS IN THE MAIL EVERY OTHER WEEK.I FIND THIS BEHAVIOR TO BE EXCESSIVE DISRESPECTFIULWITH NO REGARD FOR MY RESPECTFUL REQUEST TO NOT BE CONTACTED.I AM AWARE THAT THIS IS A VIOLATION OF THE FDCPA. PLEASE HELP ME IN STOPPING THIS HARASSMENT AND DISRESPECT.I AM FEELING VERY DISRESPECTED BY THIS AGGRESSIVE BEHAVIOR AND VIOLATED.
Product: Mortgage

I have called the mortgage company several times and am not receiving any response to my questions. I have submitted all the documentation they have requested to process an application for a loan modification and the mortgage and they have rejected the documents I have submitted. 
When I call I am on hold for excessive hold times and then I am disconnected.

I have asked to speak to the escalation department am told they are not available and they will call back. I never receive a call back.

I have been give the names of my " Loan Specialist '' and she does not return my calls.

I was given the name of another escalation specialist and have called and left several messages and never receive a call back.

They are not helping me finalize the application, so, that I can resume my mortgage payments and make a plan for the past due balance owed due financial hardship impacted by the pandemic
Product: Debt collection

I got an alert on from my XXXX  Credit Bureau stating that there was an account that went into collection on XX/XX/2019 {$450.00}. I reviewed my credit report and seen that it was XXXX XXXX XXXX I sent a Validation letter certified mail on XX/XX/2019. Debt Validation Letter was received via Certified Mail on XX/XX/2019. On XX/XX/2019 and XX/XX/2019, I received 2 more  notifications from XXXX  that XXXX XXXX XXXX has flagged my account as Collections. On XX/XX/2019 I received a letter from XXXX XXXX XXXX which was a bill and not validation. XXXX XXXX XXXX has not sent me anything validating the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Involved : Experian Company Number XXXX XXXX On XX/XX/2021, I waited ( was on hold ) for 20 minutes, and then an agent that identified herself as XXXX answered my call XXXX After realizing that one of the disputes I had needed to be taken up with the Fraud dept, we continued with correcting my personal information. 

As I questioned her about the new information that appeared on my account in just a day after talking to them to correct other information, and she told me I had to have provided it to them, and I told her I did not, and that I would like to understand how new incorrect Phone Numbers have now appeared after she ( I spoke to an agent on XXXX, XXXX ) removed the other incorrect numbers. Well, XXXX must've not liked my questions, so she tells me that she was going to transfer me to the Fraud line, and after they help me with that, they can then help me with my other disputes also, next thing I know I'm back listening to hold music. 

So after someone answered the phone, and said his name was XXXX, I explained to him that after he helped me with my fraud dispute, I would like to speak to a supervisor, because what XXXX did was totally unacceptable, well my phone is just dead air. XXXX never replied, never spoke again, and I am still connected as I found this site and have typed this Comment. 

Also, just a company telling the XXXXredit Reporting Company, " Yes, it's correct '' is not enough. They should provide a copy of the paperwork to the reporting Agency once an item is disputed, and the customer should be able to review the documents. 

I know for a fact it is impossible for the debt to be mine. I am a 100 % XXXX vet that have not been to a doctor outside of the VA network in 10 years, but two of the disputes are from original Debt from a Hospital.
Product: Mortgage

According to the Fair Credit Reporting Act, Nationwide mortgage has been willfully and/or negligent in including inaccurate information with regards to reporting my mortgage loan to the XXXX credit bureaus. I have called Nationwide mortgage before and recently ( XXXX/XXXX/2016 ) sent nationwide all necessary information to prove this inaccurate information. I requested them to correct the mortgage information and have not seen a change in my credit information at any time. I have also disputed this mortgage information to XXXX credit bureau regarding this matter and submitted a complaint to the XXXX. This matter has severely damaged my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I agreed to make a purchase for a security system and monitoring service. I was not properly provided with a hard copy of the sales papers before installation. I tried to cancel the sale on the same day that the purchase was made. Their customer service did not know how to handle my complaint. I was placed on hold for long periods of time. They failed to provide the proper security system and installation. I cancelled the sale in writing as per their instructions. They have since then sold my account as delinquent. A bill collection agency has reported me to the credit bureau as having a collections account.
Product: Debt collection

Repeatedly calling me before XXXX XXXX. They know what time zone I'm in because I have received mail from them.. The most recent call was this XXXX at XXXX XXXX  from the number XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I was denied a payment extension and I am continued to be harassed by phone calls and text messages from First Tech after I have requested no phone calls or texts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened an account in my name which caused a debtor status to be placed against me. Now I am taking this step remove this potentially fraudulent information from my credit file. Moreover I do not recognize the account number listed for these item reporting nor do I recall establishing an account with the collector nor there predecessor
Product: Debt collection

Since Waypoint Resource Group , LLC has posted a debt I have no idea about on my credit report, I have disputed them and asked for proof of verification of my signature and such and they have done no such thing. They lie and instantly " VERIFY '' the accounts are in fact mine with the credit bureaus. I do NOT owe them a dime. I do NOT CARE if they are " Debt Collectors '' and think they can bully me into something I didn't do as I was in jail when this supposedly happened. I've told them my ex fiance put a lot of bills and debts in my name without me knowing and it's coming back to haunt me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a number of inquiries on my credit report that I didnt authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX To whom it may concern, Im writing this letter to dispute the following accounts : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries XXXX/XXXX  XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX By reporting the accounts listed above your company is in violation of 15 U.S.C. 1692g.I was not notified of any of this alleged debt, nor the reporting of this alleged debt 5 days prior to any action being taken against it. As a consumer, and the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report, as any reporting of alleged debt that is not validated is an act of fraud. Please also send me an updated credit report reflecting these changes.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in legal actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review all of the my documents and remove the accounts that are list.
Product: Credit card or prepaid card

Seems that Discovery believes that because I live in Michigan they do not have to follow the XX/XX/XXXX and XX/XX/XXXX federal court orders! I was told by them if I did not pay their illegal charges and their Illegal transfers of funds from one of their cards to the other and back that they would take my home and put me in prison<
Also When I ask about why I was not paid accordant to the XX/XX/XXXX court order that I was not a card holder! BUT now that they are taking me to court for not paying what I do not owe them I am!
Product: Mortgage

As of the date my mortgage was modified, I have made my payments on time. The mortgage company stated my payments were late XXXX 2011 until XXXX 2011. Their reasoning is because my payment was short of the amount required. They paid my taxes. Therefore, the payment increased. However ; they did not notify me under separate cover the payment would increase. I continued paying my required P & I. The amount short was the escrow amount. The error was not discovered until I called to set up additional automatic withdrawals. This error caused a negative reporting to the credit bureaus. A request was made, in writing, to reverse the reporting. They refuse. How can they report an escrow account as being late?
Product: Debt collection

Collection Services of Athens , Inc . XXXX XXXX XXXX XXXX, Georgia XXXX Local : ( XXXX  ) XXXX  Toll free : ( XXXX  ) XXXX Fax : ( XXXX  ) XXXX  This company has placed their name on my credit report XXXX and won't remove it Two separate acts I don't owe the dr called me from XXXX XXXX AT XXXX stating my acct was paid in full I had insurance XX/XX/XXXX/XX/XX/XXXX But maybe due to XXXX   breaches someone has placed this collection on my report Dr says he don't use coll of Athens anyways! Please forward to state attorney!
Product: Checking or savings account

I purchased an item from XXXX and it arrived severally damaged. I refused the package and XXXX returned the item to the vendor. XXXX wouldn't give a refund for the damaged order so I went with a bank claim through Santander. Santander refused my claim without allowing me to submit evidence on the matter and cited XXXX as who I should be disputing with. I have the proper evidence to back up the claim but was never given an opportunity to explain my case. I was never given a chance to explain my side and and was met with poor customer service on Santander 's end. They wouldn't even allow me to reopen the case or give a rebuttal ; with what would have been irrefutable evidence to support my claim.
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 {$940.00}. 
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.

-- CLOSED ACCOUNT XXXX. XXXX XXXXXX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$940.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called on the phone with all 3 Credit Bureaus also XXXX  I told XXXX  I had Identity Theft and comes to find out its them or somebody because on the Statement section its saying Fraudulent Applications XXXX be Submitted in my Name or my Identity Im real confused I want all 3 Credit Bureaus to fix this problem Fast I want a Clean Credit Report so I can Move Forward with Life this has caused my Life a Big Mess going replacing everything the bank still not giving me all my funds just a complete mess
Product: Credit card or prepaid card

I had previously informed Chase about an unsolicited email message that I received from Chase ( unsolicited message from Chase XXXX ). 

In its response ( Chase Letter regarding unsolicited messages XXXX.19 XXXX ) Chase claimed that the unsolicited email message was related to a product or service that Chase is offering, but regardless of the fact that the message was related to a product or service that I had not requested from Chase, Chase did not consider the message a solicitation. 

In its response Chase quoted its policy saying that " Under the terms of your credit card account, we can send you email messages for transaction or service related reasons. We may also email you if we suspect fraud or identity theft, or to obtain information from you. '' 1. The unsolicited email message that I included with this complaint was not related to any transaction on my account. 

2. It was not related to any services of Chase that I used or inquired about. 

3. There was no suspected fraud nor suspected identity theft on my account to which the unsolicited message was related. 

4. The unsolicited message did not contain any requests for information from me. 

It is quite concerning for the community as a whole that companies like Chase started to disguise their unsolicited advertisements as service related email messages in order to bypass any ethical standards meant to restrict the amount of SPAM sent over the internet.
Product: Debt collection

the company is reporting a collection that is negatively affecting my credit I do not owe the debt also they are not licensed to operate in the state of Delaware
Product: Debt collection

I visited XXXX XXXX on XX/XX/year>, and the front desk never informed me that I was being double charged by both the hospital and the doctor. I paid my doctor 's visit fee of {$120.00}, as the staff member only mentioned that amount. Now, the hospital is trying to charge me an additional {$870.00}, and I have no idea where that charge comes from. The only official charge I received was for the XXXX XXXX, which was {$440.00}. Its concerning that the hospital uses such unclear shady practices, leaving patients unaware of any hidden charges. Additionally, I am now being harassed by a company called Hollis Cobb Associates, which is contacting me with calls and letters demanding payment for a debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX for XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ; Case XXXX CC : XXXX XXXX XXXX ; Federal Trade Commission XXXX Consumer Financial Protection Bureau These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. Trans Union received these materials, yet the unauthorized accounts remain on my credit report, continuing to damage my credit standing and financial reputation, and continue sending stall letters, which is frivolous. 
Fraudulent Transaction : XXXX XXXX XXXX  Balance : {$21000.00} : Opened : XXXX XXXX, XXXX ( REPOSESSION )? 
Fraudulent Transaction : Conns : Balance : {$840.00} : Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Based on the CFPBs recent lawsuit against XXXX for sham investigations of consumer disputes and improper reinsertion of deleted information, I am concerned that you may fail to meet your obligations under federal law. Inaccurate information has already negatively impacted my ability to obtain credit. I demand that Trans Union to conduct a comprehensive investigation of the disputed accounts and inquiries, provide me with verifiable documentation, such as signed contracts, substantiating the legitimacy of the disputed entries, and permanently delete any unverifiable, inaccurate, or fraudulent information from my credit report. I AM BEING PSYCHOLOGICALLY HARASSED.
Product: Debt collection

Bank Of America continues collection activities and continues sending me monthly statements on an account that was discharged in bankruptcy on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why are you indicating that XXXX XXXX # XXXX has no date closed? how is this possible? You also show a blank date of last payment. How is this accurate? In addition why are you showing no date closed? You also show that I was XXXX days late in XX/XX/2021, but show no payment history before or after this month. This can't possibly be accurate or make logical sense. I attached proof of your inaccurate reporting below. I demand that you update this or delete the account immediately according to XXXX XXXX XXXX ( b ). 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. I am entitled to a 100 % accurate credit report according to FCRA law. How is this account accurate if payment history is wrong? You must provide me with an answer of why you continue to refuse to update payment history. DO NOT MARK THIS AS FRIVOLOUS OR A DUPLICATE.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX  failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX