23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX in XXXX XXXX, NV sent bill statements to my previous address where I used to live 6 years ago. I was n't aware until few days ago when I found a misplaced envelope which was from a collection agency ( Armada ) stating that they were hired by the XXXX company to collect a debt. The last time I visited the dentist was on XXXX 2015, about 5 years after I moved to my new address and as normal procedure they gave me a form to update all my personal and insurance information, they were provided with the update but apparently they never updated it in their system and there is why they sent bills to the wrong address. Today I asked them for a copy of the bill and it has the wrong address still. I talked to the managers and they told me there is nothing they can do, that I needed to handle it directly with the collection agency, but I do n't think this is fair because I was n't aware, they made the mistake and because of them I am getting wrong information on my credit report. At the time of my treatment I paid XXXX plus I used to have XXXX insurances, so I thought everything was covered and since I never received any bill statements I did n't know I was still owe some money. Please assist me in resolving this matter. I do n't think I have to be published by other 's mistakes. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Disputing errors on credit report To whom it may concern : I am writing to request a correction of the following information that appears on my credit report as of today XX/XX/2023. This information is fraudulent, and I did not make nor authorize for my credit to be assessed. I am the victim of identity theft and do not recognize these accounts. I am requesting that my report be updated immediately to reflect removal of the following accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Unknown XXXX credit card was opened on XX/XX/XXXX and closed XX/XX/XXXX with a balance of around {$2600.00}. The only reason I was made aware of this situation is because I was denied to take out a student loan recently. I did some investigating and found out I had a collection on my credit report that was preventing me from securing the loan. Since opening my bank account, I was only aware of the one credit card that I've opened through my bank. I've never opened any other credit lines through any other companies or banks. This is not my debt.
Product: Checking or savings account

I did not authorize this company to run my credit. This is fraudulent
Product: Debt collection

EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS MAKE ME XXXX, I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under XXXX5 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) 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. 

Please remove the following items from my credit report, immediately. 
Accounts XXXX XXXX XXXX, Account # XXXX Amount {$800.00}
Product: Credit reporting or other personal consumer reports

I am writing to request your assistance in resolving an ongoing issue regarding inaccurate credit reporting by XXXX. Despite submitting multiple disputes and providing supporting documentation, XXXX continues to report incorrect payment history on my Student Loans with Department of Education. 

The payment history inaccurately reflects a 90-day delinquency for XX/XX/year>, even though the account was in deferment at the time. Additionally, the account was reported as current for both XX/XX/year> and XX/XX/year>. Despite these clear inconsistencies, XXXX has advised me to contact the creditor directly, rather than taking responsibility for investigating and correcting the error. 

Further complicating this situation, my loans are currently in administrative forbearance due to the ongoing federal investigation into the XXXX XXXX XXXX for unfair business practices. Given this forbearance, no payments should be reported as delinquent. Under the Fair Credit Reporting Act ( FCRA ), it is XXXX 's responsibility to ensure that the information they report is accurate. It is not sufficient for them to defer the matter to the creditor without properly investigating the facts. 

I have attached documentation that includes the deferment notice, information on the forbearance, and relevant correspondence with XXXX and the creditor. I respectfully request that the CFPB investigate this matter and require XXXX to : Remove the inaccurate 90-day delinquency for XX/XX/year> and update the payment history to reflect the correct forbearance and deferment status.

Ensure all information reported across major credit bureaus is corrected and that any negative impact on my credit score is removed.

Thank you for your attention to this matter. I look forward to your assistance in ensuring that my credit report is corrected and that XXXX fulfills its obligations under the FCRA. 
Sincerely, XXXX XXXX
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention the late payments that are currently reflected on my credit report. After reviewing my credit history, I have identified instances of late payments that I believe are inaccurate and adversely affecting my credit score. 
XXXX XXXX XXXX I understand the importance of maintaining a positive credit history and take responsibility for any oversights that may have occurred in the past. However, I would like to request the removal of the late payments associated with my account, as I believe they do not accurately represent my creditworthiness. 
I have attached supporting documentation, including bank statements and payment receipts, to demonstrate that the reported late payments are not reflective of my actual payment history. I have taken steps to rectify any discrepancies and ensure that my future payments are made on time. 
I kindly request that you investigate this matter promptly and remove the inaccurate late payments from my credit report. Doing so will greatly contribute to improving my credit score and financial standing. If you require any additional information or documentation, please do not hesitate to contact me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have summitted many disputes to fix and correct my report I've been disputing since XX/XX/2020 and we are now in XXXX and no resolutions occur. for example names are not correct and address and accounts and check system I've have send Transunion letters and all information needed and they have not yet been able to correct my information I've been a victim of identity theft This incorrect information is affecting my life please remove this as soon as possible thank you. also its really difficult to get in contact with any representive from Transunion and when I finally do bad customer services and they end up hanging my call this has happen many time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to get my free annual credit report from Equifax, repeatedly. When I attempt to request it be mailed to me, they require information used when I created an account with them, online, almost 20 years ago. When I attempt to update log in information so I can access my report, I can not locate this option. I attempted to request a digital copy, but though the request went through, their " download '' link seemed disabled. I tried again on a different device and received an error saying digital format was unavailable. When I tried to file a dispute, they requested verification of identity, but all of the questions/situations offered were unfamiliar to me, then I received an error stating the information I entered didn't match their information. 
I have attempted, numerous times since creating initial account, to request a copy of my report, and have hit a brick wall every time. I feel they are intentionally making the process such that the average person can only complete it once ... EVER, using the logic that if you were able to complete it once, no matter how long ago, they fulfilled their requirement to issue a free credit report as required by law. Please look into and resolve this issue.
Product: Credit reporting or other personal consumer reports

I reported an accurate information on my credit report multiple times to experience and they did not correct the issue.
Product: Debt collection

Diversified consultants claims i owe XXXX {$110.00}. I checked with XXXX and i do not owe this, and never did. XXXX said its a scam. 
A XXXX search on this company seems to indicate that they are a scam company. 
XXXX said that they never heard if them and do not use them or their service. 
XXXX XXXX Said my account # is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, I submitted to the credit reporting agencies an agreement that myself and NY child support came to in leu of cashing and crediting the latest payment to my child support account. In the documentation, I asked that this account be removed from my credit report in it's entirety from all the credit bureaus as I've had several problems with the agency. 

One problem in particular I've had with the agency in the past is, I personally made a modification for a larger child support payment with the courts. The courts adjusted the amount of child support to come out of my paychecks at my place of employment. The correct amounts were taken out of the checks but were not being credited to the child support account as a full payment. It was reporting as an overpayment as the child support office did not enter the new order in their system correctly. 

This resulted in them issuing me an overpayment check. They actually issued me XXXX overpayment checks in this situation. For them to come back later and say that they made a mistake in entering the order and they need the money back. 

I feel that this account and it's payment history doesn't reflect me as a consumer and The agreement that myself and the child support office came up with, this account was supposed to be removed from my credit reports all together. Enclosed is a copy of the cancelled checks with the written agreements on the check.
Product: Debt collection

I hope this message finds you well. I am reaching out regarding my credit file. After contacting XXXX XXXXXXXX about the account on my credit report, it's clear they can not provide records for the mentioned accounts ( XXXX XXXXXXXX XXXX ). However, both companies acknowledged the situation and agreed to update my credit file.
Product: Credit reporting or other personal consumer reports

I am reaching out to you as my social security number was compromised. I had a data breach that resulted in fraudulent inquiries reported to me. These inquiries does not belong to me. I need this fraudulent information removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

ACCOUNT : XXXX ( XXXX ) ACCOUNT XXXX XXXX XXXX XXXX XXXX ) ACCOUNT : XXXX XXXX ( XXXX ) XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section2, also states a consumer reporting agency can not furnish an account without my writing.

15 U.S.C. 1681 C ( A ) ( 5 ) Section states. no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ). 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.
Product: Credit card

I've always made sure payments are timely for this account, never allowing them to be overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  ( Bank ) XX/XX/2XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/2024 XXXXXXXX XXXX ( Finance ) XX/XX/2024 The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I purchased a {$200.00} Visa Vanilla gift card at XXXX on XX/XX/2021 and when I went to check the balance before spending it in XX/XX/2021, I saw that the funds had been stolen on XXXX XXXX  in 40 transactions of {$5.00} each. 
I called the number in the back of the card many times and provided them with all the information they asked since XX/XX/2021. So far, every time I talk to " Vanilla VISA '' they say XXXX realized the expenses were fraudulent and returned the funds to them, and that my refund is in the way, but it never arrives. Every time I call the clock resets for another 2 weeks wait. I feel Visa is scamming me too, and as a matter of fact I am not sure I am dealing with them at all. I would think Visa would be a more reliable company to deal with. 
What can I legally do to get my money back?
Product: Student loan

I contacted Great Lakes Borrowers Services on XX/XX/22 to request a refund of the payments I made during the COVID-19 pause and verified the amount of {$8200.00} would be refunded back to me in the form the payments were made via direct deposit. The representative was polite and placed me on hold while getting approval and once she returned she told me the request was approved and I should see my refund within 5-7 business days. After not hearing anything or receiving anything I called again on XX/XX/22 and was told to be a little more patient and that it actually takes 4-6 weeks. It is now going past the 6 weeks and nothing still has been received.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Listed below are the Inquiries that are being challenged WORLD HYUNDA - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted The Bureaus to dispute their claim that I owe a debt of {$310.00}. The phone numbers provided on the credit report XXXX and XXXX do not connect to the Bureaus, but it connects to a company called XXXX XXXX. Several Managers and Customer Representatives have stated on multiple calls they do not have an account pertaining to me and there is nothing they can do to assist me with removing the debt or resolving the debt. I have not been provided proof of the debt from the Bureaus, and they have not responded to letters, and the phone numbers do not connect you with the company. I disputed the validity and accuracy of the debt with XX/XX/XXXXand they reported back that the company verified with them the debt is valid. HoweverXX/XX/XXXXrepresentative stated to me on a recorded phone call The Bureaus is not required to provide one shred of evidence that the debt is accurate, they did a self investigation and reported back to XX/XX/XXXX their findings. I asked how is it possible to report a debt on my report without 1 piece of evidence? I have not been able to get in contact with anyone from this company, and yet, XX/XX/XXXX refused to removed the debt.
Product: Mortgage

My Loan was sold from XXXX XXXX to Nationstar in XXXX of 2014. Before the sale could be complete XXXX paid all property taxes that were past due and for the next XXXX month 's. This was not at the request of me. I had already worked with the city to make monthly payments to get my property taxes current within a 12 month time period. After Nationstar took over the loan they want one full year of escrow to catch up the payments. After 30 hours on the phone with Nationstar and XXXX we worked out an agreement to add it to the mortgage payment and pay this back over a 1 year time span. During the time I continued to make the mortgage payment for the amount I had always paid XXXX. Once this was agreed upon I started making payments for the new agreed upon amount. Seemed good for a minute but the phone calls kept coming and now they were stating we were 1 month behind. After reviewing the payment confirmation numbers with Nationstar we figured out that the last payment I made to XXXX should have went to Nationstar. I got Nationstar and XXXX on the phone together and got them to recognize this. But still the phone calls keep coming. I have confirmation numbers showing all payments have been made but everytime I talk to them the amount we are behind keeps getting larger.My mortgage payment is already 30 % largerthan it used to be and they still say we are behind but ca n't explain why.
Product: Checking or savings account

Was charged XXXX times for the exact same amount in XXXX day by the same merchant. Current denied dispute citing another undisputed purchase with this merchant. I did not authorize XXXX transactions for XXXX occurring within XXXX minutes of each other back to back to back.
Product: Credit card or prepaid card

I found out that my card was stolen when reviewing the statement. I made a call to bank to stop and ask for a replacement. This happened around an hour after that charge was done ( which should fall within 24 hours, and showing my due diligent reviewing my statement on a daily basis ). 

On XX/XX/XXXX I received a letter informing me that the investigation has been done and that I end up being responsible for these two unauthorized charges because they used the card, {$98.00}, and {$61.00} because I " benefit from these charges '' ( what is this?! ). The letter mentioned calling the number if I have any more questions. I called the number XXXX only to get an answering machine said that it can not process any calls, and to send the email to XXXX. 

I then send an email to them as per the phone message on XX/XX/XXXX. I have not received any response from them. I send another follow-up email on XX/XX/XXXX, and XX/XX/XXXX. 

At the same time, I have been calling them with the phone number on my card. It was mentioned that they did attempt to contact me in XXXX. I informed them that I am XXXX, and use XXXX XXXX XXXX. They have been calling me on my mobile phone number ( using for texting only ) and that I am unable to answer it. I gave them my phone number where they can connect me through XXXX XXXX XXXX ( where an interpreter will be present to interpret the calls between both parties ). Here are the dates of when I called them : XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX As you can see above, I have too many different numbers to call and trying to figure out why I am responsible for these charges, and that it is not done by me. I have no success in getting this information, and I have repeatedly mentioned that I am XXXX, that they need to call me the phone number with an interpreter ( which I repeatedly gave them ). Apparently it fell on their deaf ears. 

I have filed two formal complaints, XX/XX/XXXX and XX/XX/XXXX, and gave the corporate a chance to resolve my complaint. As of today, XX/XX/XXXX, I got a phone call on my mobile phone. I called back on the phone number ( XXXX ) and only got the answering machine with no options to connect me to their people. I have to call the number on the back of the card to figure out, but they do not have the correct privilege or access to assist me in this. 

This is a Chase Sapphire Reserve account, which I am actually paying an annual fee for it, and I do not feel like I'm being treated with respect. In fact, my other credit cards where it doesn't have an annual fee, actually, treat me better! 

For what is worth, their website even mentioned that the card come with " Zero Liability Protection '' ( https : //www.chase.comXXXXcard-benefits/sapphirereserve/account-protection ), it doesnt even work with me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries were not authorized by me. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that you remove this inaccurate information promptly. 
Fraudulent Accounts XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - $ XXXX Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX