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

There are 3 derogatory alleged medical collections placed on my XXXX, Equifax, and XXXX consumer reports. These alleged collections are from the same company which is XXXX. XXXX has placed an alleged collection for {$200.00}, {$260.00}, and {$260.00}. I have tried to get this removed with no luck. I was involved in an auto accident and when my attorney settled the case all of my medical bills were paid out of the settlement. This collection company committed fraud by stating that these accounts meet FCRA requirements. They did not provide proof that these belong to me nor did they provide documentation showing that I signed any contracts with my social security number on any paperwork. I have all paperwork from the accident that I will provide to the courts because I will be seeking a remedy from the XXXX and from XXXX, Equifax, and XXXX for allowing this company to commit fraud. XXXX did not get my permission to place these fraudulent collections on all 3 of my consumer reports. They have violated consumer law 15 USC 1681b ( 2 ) which is a {$1000.00} violation among other violations. XXXX also ran a soft pull on my consumer reports before placing these alleged collections. I have also provided proof that XXXX ran a soft pull on my consumer reports before placing these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may Concern First of all please forgive me about my righting skills and spell, I'm dyslexic, Sorry about this.

any ways, I desperately asking that XXXX  XXXX  and Experian credit burues take a long and hard look at my credit report payment history.

i'm sorry but I fel that i'm being treated very unfairly here. I'm XXXX years old and been at my current employer for over 15 years.

I was brought up as a kid to be very reasonable, if you owe someone money you pay them.

but anyways to the subject here regarding ( XXXX XXXX XXXX XXXX ) I been a customer of there's for over 3 1/2 years, I had great payment history with them, never missed a single payment, i beg you please look at my account with them you'll see for your self, then the huge pandemic happen, and i feel into the ground, not only with this creditor but others as well because of being laid off, and XXXX XXXXXXXX XXXX but as soon as i started working again, I contacted the creditor directly and sent them sevral letters explaining what had happen, they stated they due what they could and thats it.

will nothing i've disputed this with all three credit bures and nothing is happening. 

I'm desperately asking for forgiveness here, I don't desver to being thorn in the ground like this with my credit score or credit report, I'm a good hearted christen guy. 

I contacted the creditors and payed them all in full. I owe a {$0.00} balance on all of theses accounts. Why in the heck would ive payed all theys accounts if i was just being a losser. 

no thats not how i was rased. They even had offered me a settlement offer, I choose to pay what i owed includeing all late payment intrest and everything. 

Please I beggeing you all to take a strong look at this and give me a little leanaly, Im truely a good guy, pleaee help me with this pleae
Product: Credit reporting or other personal consumer reports

Currently Alliant Credit Union is reporting wrong info on all credit reports for a Credit Card that was closed as a part of a bankruptcy. This debt was discharged and the discharge letter is attached.
Product: Credit card or prepaid card

In XX/XX/2010, I filed for bankruptcy because I was overwhelm dealing with Identity Theft with accounts that wasn't mine. Although I was dealing Identity Theft, my other creditors did penalize me for issues beyond my control. The identity Theft led to years of having to prove the accounts weren't mine and existing accounts with purchases not mine. After 24 months, I began to receive pre-approved credit in which I took advantage of. Unfortunately, there was so much breach from companies that had my information. It was necessary to use credit monitoring services but my information was still being used. Since there were still credit accounts opened in my name, I had all credit bureaus to freeze my credit report. The creditors with fraudulent accounts were not following instruction to contact me first before opening new accounts.

In XX/XX/2012, I received a XXXX XXXX XXXX credit card I applied for with a good credit limit in which the XX/XX/2010 bankruptcy appeared on my credit report. There is credit accounts disputed but reflected on the account. My credit report reflects great payment and credit history. Since all the credit history is same as when XXXX XXXX XXXX   credit ( Synchrony Bank ) approved the account, I requested a credit limit increase and it was denied. The reason for the denial is bankruptcy and past due accounts I've working very hard to remove from my credit report. I guess I do not understand how the same credit score and credit used to approved the account now be used for denials.
Product: Debt collection

I was the victim of a job employment scam in which the perpetrator used false identities and 2 stolen bank accounts from XXXX XXXX in order to overcharge my credit cards for merchandise. 

I have provided police reports, IC3 reports, I have provided statements to the FBI as well as the Secret Service in cooperation to resolve the matter.
Product: Mortgage

I have had my house on the market since XX/XX/XXXX, and listed with XXXX in XXXX, PA since XX/XX/XXXX. I was unable to make payments, and thus was suggested a short sale by my agent. My bank is Chase. The agent was awful and the branch supervisor had to take over the process. I had a qualified buyer with a loan secured in XX/XX/XXXX. The bank kept making excuses regarding approval of this sale, and the buyer lost their loan XX/XX/XXXX. They did receive an extension on loan from their bank to XX/XX/XXXX - only to be told it probably would not be approved for sale, after they said it was moved to closing - they withdrew. I now have had another offer - XXXX % cash offer with proof of payment and Chase XXXX will not allow this lady to make the purchase of home via short sale. This offer was verified XX/XX/XXXX and they said it might not be approved until XX/XX/XXXX. 
I am beyond frustrated and do n't know what else to do.
Product: Credit reporting or other personal consumer reports

I have been trying for the longest while to get a credit freeze placed on my credit report but without success. I have sent in numerous letters with my particulars to have a credit freeze placed on my credit report but without success. 
I was a victim of identity theft in the past and that is why I am asking that a credit freeze be placed on my credit report.
Product: Credit card or prepaid card

Synchrony Bank XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : XXXX XXXX  XXXX XXXX APPLICATION To whom it may concern : I am writing in regards to the previous letter i sent dated XX/XX/XXXX. It was sent via Priority Mail and Certified Letter. The tracking number was XXXX XXXX XXXX XXXX XXXX XXXX. The letter never made it to your facility. 

I recieved a letter dated from you today, XX/XX/XXXX dated XX/XX/XXXX. The rep XXXX XXXX XXXX must have not took any time or due diligence to rectify the issue. In my previous letter I had enclosed a copy of my XXXX Credit Report dated XX/XX/XXXX. I have included another copy in this new letter attached to this CFPB complaint. 
In addition, I spoke to XXXX directly on XX/XX/XXXX and was advised by XXXX that they did not provide you this information regarding my name under my social security number. XXXX, agreed with my findings that there is some mistake on your end. XXXX advised there is nothing to dispute with them at this time because the data points you mention in the letter do not coincide with my credit report. 
I am pursuing you legally in the XXXX XXXX XXXX XXXX XXXX, located in XXXXXXXX XXXX, in XXXX XXXX. 

I am pursing you for negligence to engage in corruption and to obtain falsifying information that you claim is true in a XXXX Credit Report done on XX/XX/XXXX. 

I am pursuing you in the amount of {$370000.00} - You are welcome to settle with me outside of court, and to discuss a monetary value that I will accept. 

The reasons for my actions are due to a denial letter that has listed false, incomplete and non factual data about me that you " claim " you obtained from XXXX. I have included a copy of my credit report from XXXX provided to me by my bank at XXXX XXXX XXXX dated XX/XX/XXXX. The data points you have listed in the denial letter do not come close to or match the data points listed in my credit report. I have also included a 6 month trend of my XXXX XXXX. It was never a XXXX. 

I will be filing a complaint with the XXXX XXXX XXXX XXXXXXXX XXXX, Office of the Comproller, The FTC, and The Consumer Financial Protection Bureau to notify them of XXXX, and your illegal acts. 

The XXXX derogatory item listed on my XXXX Credit Report was from XXXX XXXX in the amount of {$550.00} and was paid off in XXXX thus making this not a recent deliquency. This has not affected me to obtain credit elsewhere. 

I do not have any past due accounts I do not have few accounts reported to the credit bureau - XXXX open accounts, XXXX are closed. 

I expect this to be corrected and to be rectified. I will not accept a response of " theres nothing we can do. " I will not accept a response of " unfortunately, i need to dispute with XXXX " I am holding you accountable for your falsified, kniving, lying tactics you try to play and use with consumers. Please see the attached files. 

Sincerely, XXXX XXXX XXXX CC : XXXXXXXX XXXX  XXXX Attorney XXXX XXXX, Office of the Comproller, The FTC, and The Consumer Financial Protection Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an old account that had aged off my credit report and now shows as new debt that is delinquent. Company bought this account and is trying to collect by fraudulently dating it as new debt. Please remove this from my credit report or correct the true age of this debt. They have dated it as XXXX/XXXX/XXXX and assigned date of XXXX/XXXX/XXXX. Never had any credit with ERC on those dates. Actual debt was with XXXX from over 6 years ago.
Product: Debt collection

XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : I would like to file a complaint against XXXX/Comenity/Wayfair. XXXX has placed false fraudulent information onto my credit files, and I want all of this false fraudulent information removed from all of my credit files. 

I am attaching a copy of my credit report, and the report clearly shows that Comenity has falsified information. 

For starters, I am disputing the {$1700.00} dollars that Comenity claims that I owe to them, I do not owe that money. 

Comenity has run up that balance themselves, with their usury interest charges and fees. I have had no dealings with Comenity since around XXXX or XXXX of XXXX, yet by what the credit report shows, Comenity has lied and claimed that I made a recent {$41.00} payment to them on this balance that I do not owe, and I have made no such payment. 

They are showing on the report as though I had dealings with them in XXXX, and that is in no way truthful. 
Comenity has manipulated the status data with the dates and amounts to justify this false balance that they are trying to charge me for. 

In the comment area of the report, Comenity is showing that they have another lender who has purchased this debt, and I have disputed this debt with Comenity before. Comenity continues to pass on this fraudulent information onto other collection agencies that are listing themselves onto my credit files as well, with these collectors not verifying the debt with me, they are listing both themselves, as well as Comenity with this debt, on my credit files, and I disputed with the collectors, and they as well as Comenity both continue to be listed on my credit files. 

I requested from the credit bureaus a copy of my credit reports, and this is how I learned about the collections being placed onto my credit files. 

My credit rating is being destroyed twice, by both Comenity, and the collection agencies reporting this false inaccurate information. 
Comenity is being malicious, they are intentionally slandering my credit, and they know that I did not run up that debt that they are ruining my financial life with. 

I want XXXX/Comenity/Wayfair, and their collectors, to cease and desist from harassing me. Any communication from, XXXX/Comenity/Wayfair can go through the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau, can contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a request for validation from XXXX XXXX was sent Certified mail : # XXXX XXXX XXXX XXXX XXXX After 30 days they provided no response. 

I did not give XXXX XXXX Lawful Authority to obtain my information 18 U.S. Code 1028 On XX/XX/XXXX a request was sent to Experian Certified Mail : XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681i for removal of any remarks that are inaccurate, incomplete or that were not able to be validated by either. They were not able to provide any of the documentation required by law to show proof that ; The debt belongs to me By providing ; *The original contract with my signature XXXX XXXX license to collect in the the State of Texas *Proof that the debt was purchased or assigned to them *Full payment history from the original creditor Not one document was provided, by either. 

As well as the inquiry removed by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I have no account related to this company nor did I request any information from them or give them consent to view my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SSN : XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to file a formal complaint regarding inaccurate and unverifiable reporting by multiple creditors and credit bureaus, despite my repeated attempts to resolve these issues. The following negative items have been disputed multiple times, but have returned as " verified '' without proper proof of accuracy. 

Inaccurate Accounts XXXX XXXX ( Charge-Off ) Account Number : XXXX Balance : {$8500.00} Credit Limit : {$8000.00} The reported balance exceeds the credit limit. Inaccurate payment history and charge-off status were found on XXXX and TransUnion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$19000.00} Discrepancies in last payment date and charge-off validation were noted on XXXX and TransUnion. 

XXXX XXXX XXXX ( XXXX ) Account Number : [ XXXX  Account Number ] Balance : {$2600.00} There are errors in delinquency and account status on XXXX and TransUnion. 

XXXX XXXX XXXX ( Late Payments ) Account Number : [ XXXX  Account Number ] Multiple late payments reported inconsistently on XXXX. 

XXXX XXXX ( Collection ) Account Number : XXXX Balance : {$410.00} Remarks : Dispute unresolved but marked as Collection on all three bureaus. 

Excessive and Unauthorized Inquiries Repeated hard inquiries made without my consent. The dates and companies of the unauthorized inquiries are as follows : XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX ( multiple inquiries ) Dates of Inquiries : XX/XX/XXXX, XX/XX/XXXX These inquiries have not been authorized and are negatively affecting my credit score. 

Despite my efforts to dispute these items directly with the credit bureaus, I have yet to receive satisfactory resolutions. I kindly ask the CFPB to intervene and ensure that these inaccurate and unverifiable items are investigated and removed. 

Relevant Consumer Laws Fair Credit Reporting Act ( FCRA

) : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), credit reporting agencies must correct or delete inaccurate or unverifiable information. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information ( c
reditors ) must investigate disputes and provide proper verification.

Fair Debt Collection Practices Act ( FDCPA ) : Under 15 U.S.C. 1692g, debt collectors must validate any debt if requested by the consumer. 

Under 15 U.S.C. 1692e, misleading or harassing debt collection practices are prohibited. 

Thank you for your prompt attention to this matter. 

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

Complaint Against : Equifax XXXX Account Numbers : XXXX XXXX Details of the Complaint : I am writing to formally dispute two collection accounts reported by XXXX XXXX XXXX XXXX XXXX, with account numbers XXXX and XXXX. Despite my repeated requests for validation of these debts, the company has failed to provide any proof that these debts are mine. 

On XX/XX/year>, I sent letters to both Equifax and XXXX via certified mail requesting an investigation into these accounts. Over 30 days have passed, and I have not received any response from either credit bureau. Additionally, I have filed two complaints with the CFPB regarding these accounts, but the company has not responded to my requests for validation.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute any inaccurate or incomplete information on my credit report. The FCRA mandates that the burden of proof lies with the debt collector to provide documentation verifying the debt. If the debt collector can not provide this documentation, they are required to remove the disputed information from my credit report. 

Furthermore, I was never notified about these debts before they were placed on my credit report, which is a violation of my rights under the FCRA. No one contacted me regarding these debts, and I was not given the opportunity to dispute them before they were reported. 

Requested Resolution : I request that Equifax and XXXX immediately remove the disputed accounts ( XXXX and XXXX ) from my credit report. If these accounts are not removed, I will be compelled to pursue legal action against both the debt collector and the credit bureaus for furnishing false information. 

Please refer to my previous CFPB complaints for additional details. 

Thank you for your prompt attention to this matter Please see CFPB complaints XXXX XXXX Where the company violated the law by telling me that I needed to prove that the debt wasn't mine without offering any proof that it was.
Product: Debt collection

Debt collector EXECUTIVE CREDIT MANAGEMENT furnished unvalidated and fraudulent information on my consumer report without my ( the original creditor ) written authorization pursuant to federal law. 
Ive sent debt validation and cease and desist letters with and invoice ; as well as an affidavit.
Product: Debt collection

Around  XXXX  I noticed that a collection agency by the name o f Choice Recovery  was reporting  XXXX  debts on my credit report. Initially, I disputed those debts with the credit bureaus as having no knowledge of the debt. Well the debt was deleted from   XXXX   and  XXXX . After several of unsuccessful attempts of disputing the debt directly with  XXXX  and requesting proof of what was actually used as verification I then reached out directly to the Collection agency. On several attempts I requested that they provided me validation of the debt, proof that I specifically and legally was responsible for the debt as well as they were able to legally collect on the debt. As of date I have received no validation of the debt or requested proof. Request were sent certified mail on  XXXX / XXXX / XXXX , and  XXXX   XXXX ,  XXXX  and  XXXX / XXXX / XXXX . Please see attached verification of disputes, and request for validation
Product: Debt collection

Hi, I have spoke to and disputed this bill 3 times now.I received three separate bills for the same day of service and one visit to my XXXX.Three different charges of XXXX broken down to three different accounts again for the same visit. I informed them that insurance has an agreement with these organization to accept a smaller amount or a settled amount for services so they are able to accept that particular insurance. I disputed the fact that I never signed anything that said I would owe a particular Dr. by the name of XXXX XXXX separately for the same services.I asked for a copy of were I signed and it said that. Despite the fact that I had full insurance and an account at work that would cover any differences.I never received an answer from them on what service it was and a signed contract that says I would pay Dr XXXX separately from my insurance. I just spoke to them and ask them why they would make it look like three separate accounts for one day of service at the credit bureau.It shows up as 3 collections on all three credit bureaus.Ido n't believe I should of been billed at all unless I knew I was going to billed twice.I am still waiting for the contract I signed that says I would pay that way.Never came.
Product: Credit card or prepaid card

I made two {$56.00} purchases from XXXX XXXX, which qualify for a travel credit on my Barclay XXXX XXXX ending in XXXX. I was unable to claim the travel credit online, I asked Barclay for help, they sent me an email saying only Airline charges qualify. I called their customer support and asked them to fix the problem so I could receive my travel credits for the two {$56.00} charges, and they refused. They actually told me to call XXXX XXXX to solve my reward problem with Barclay!
Product: Mortgage

My complaint is with Loan Depot. I am currently in a Conventional mortgage. I am applying for a XXXX VA loan . Loan Depot 's position is that they can not process due to VA Seasoning requirements. 

I informed Loan Depot that VA Seasoning requirements apply only to VA to VA loans. My loan again is Conventional to VA. I have provided to Loan Depot the VA XXXX XXXX, which clearly states this. Please see Page 4, paragraph d ) as evidence.

I have escalated to senior management at Loan Depot, and they refuse to acknowledge that I am correct. 

This is disadvantaging veterans because interest rates are rising. 

I am the following applies to me : 1. XXXX Veteran 2. XXXX XXXX Can you please assist?
Product: Debt collection

XXXX XXXX XXXX XXXX has been assigned a few of my medical bills that are in collections. Due to being unemployed, I have contacted the business recently to accept XXXX ( XXXX ) account settlement offers and paid them. For the first account with an initial balance of {$190.00} ( acct ending in XXXX ), I paid {$160.00} via debit card ending in XXXX on XX/XX/2021. For the second account settlement, the initial balance was {$190.00} ( acct ending in XXXX ) and I paid the settlement offer of {$150.00} via the same debit card referenced above. I understand that it typically takes 30 days for resolved accounts to reflect on a credit report and obtain a letter of debt settled, however, I have asked multiple representatives to provide me with receipts in reference to these monetary transactions and they all refuse. I have spoke with the " supposed '' supervisor XXXX XXXX ( unsure the exact spelling of first name ), and even she gives me the run around. Due to the lack of professionalism and contradictory statements, I do not have faith that my money has been applied to the referenced accounts appropriately, and without some sort of proof of payment towards these accounts it is simply a bunch of hearsay. Additionally, multiple representatives have told me that I have XXXX additional open collection accounts, both totaling under {$50.00}, which are not on my credit report and I have no clue what they are in reference to. When I ask for debt validation of these accounts, the representatives and supervisor ( listed above ) tell me they are unable to provide that information. I am considering getting my attorney involved because I feel the business practices are unethical and illegal.