23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Several of weeks ago I asked for validation of an alleged debt owed to  XXXX . I received response from ERC stating I would receive notification in the mail of this alleged debt. On XX/XX/XXXX    I received letter  (  attached ) from ERC in regard to my response to this dispute. The letter was a billing statement. My request was for validation of the debt of which was not included. In accordance with the  Fair Debt Reporting Act ( F CRA  ),   proper validation must be included upon request. If validation can not be produced per FCRA, all collection efforts must cease and can not be reported to any of the national reporting agencies. Please produce proper validation. If validation can not be produced and ERC continues collection efforts from this point, I will have no alternative but to seek legal action up/and to suit.
Product: Debt collection

I have a health insurance that I have been paying premiums on timely manner. However, for some reason my account has been sent into collection and it is very adversely affecting my credit score now. I have never been contacted or informed on this debt earlier. I was under impression my visit to the hospital was taken care of by my insurance company. I only find out about this collection when a lender run my credit report. 
I am a single mom and currently unable to take a loan and provide a roof over my kid 's head because how this collection is affecting my credit.
Product: Student loan

I applied for a consolidation loan. I have a screenshot that I would receive a one percent loan. When the process was almost complete, they had changed the percentage from 1 % to 6.5 %. I called the company tried to dispute it. XXXX Is the company? I have a screenshot of the original quote. They would not honor it And it was the very last day that I would Have to dispute it so I canceled the process. I want to complete The consolidation at the quoted rate of 1 %.
Product: Debt collection

XXXX XXXX XXXX XXXX suing for account that is beyond the statute of limitations in oklahoma. 
Account opened XX/XX/XXXX Last payment made was XX/XX/XXXX. 
Suing for the amount of {$3600.00} Recieved very little communication via mail, email or phone. 
Date summons was issued XXXX Recieved summons XXXX
Product: Debt collection

I have a credit card fraud few years ago, which is {$550.00} from my XXXX credit card, and the transaction was with XXXX XXXX. Finally the issue was resolved by the bank and XXXX, and the money was refunded. 

On XXXX 2015, I saw in my XXXX credit report, there is a collection from a XXXX party collection company " Enhanced Recovery '', with {$550.00} amount, stating XXXX. I worked with my bank and the collection agency and finally resolved after few weeks painful work. It was finally removed. 

On early XXXX 2015, I noticed the collection is back to my credit report again with a different collection agency " XXXX '', on my XXXX reports. 

It 's been ridiculous, and it 's extremely painful to work with XXXX XXXX and the collection agencies, since I was never a customer of this company, and each time I contact XXXX, customer rep always states I was not a customer, and they do n't have my info. And collection agency always ask me to get info from XXXX XXXX. 

It 's illegal to collect a debt that I do n't owe ( and resolved by bank and debt owner few years ago ), and repeatedly show up in my credit report with different collection agencies.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

In 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 XXXXXXXX - Balance {$150.00} Account Name : XXXX XXXX XXXX XXXX XXXX - Balance {$55.00} Account Name : XXXXXXXX XXXX XXXX # XXXX - Balance {$1700.00} Unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

JP Morgan did not pay the XXXX XXXX XXXX their portion of the dividend payment for tax year XXXX and XXXX. 

Furthermore, they have referred me to XXXX XXXX to reclaim the XXXX XXXX XXXX. 

No where in the forms filed with the XXXX  is it disclosed that the reclaim has to go through XXXX XXXX. 

The XXXX XXXX XXXX of Limitations is XXXX Years. XXXX will not assist with anything prior to their XXXX Year Terms. 

JP Morgan has put me in tax harm with the XXXX XXXX XXXX for at least XXXX  years. They will not reproduce the XXXX prior to XXXX so I can share with the IRS. 

The have cost me the opportunity to reclaim the XXXX XXXX XXXX and file the proper amended tax returns. They have caused me extreme cash flow problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON. I HAVE TIGHTS UNDER 15 USC 1681. MY CIVIL RIGHTS WRE VIOLATED NUMEROUS TIMES AND I AM REQUSTING/ DEMANDING THESE INQUIRY ACCOUNTS/ COLLECTIONS BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, THESE ARE NOT MY ACVOUNTS, WHICH LOWERED MY CREDIT SCORE, HIGHER INTEREST RATES, PLEASE REMOVE THESE INQUIRIES/COLLECTIONS
Product: Vehicle loan or lease

I contacted credit acceptance in XX/XX/XXXX about my payments. They informed me they would not repo my car. I. XX/XX/XXXX i requested for the car to be picked up due to me not being able to make the payments and i was told that i was stuck with the car because if they picked it up they wouldnt get alot if they auctioned it so it wasnt worth them getting it but they refuse to send me a title so i can do soemthing with the vehicle.
Product: Credit reporting or other personal consumer reports

Your company has inaccurately reported wrong information on my credit file and it has now come to a point where I have to send out a complaint just for you to straighten this out. I have sent letters the past XXXX months and nothing has been done, all letters I sent out were ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

On, or around of XX/XX/XXXX. After several letters, of disputing! XXXX still reporting US BKPT CT. Fr  XX/XX/XXXX- to present? XXXX XXXX,XX/XX/XXXX. say I owe {$490.00}. Still waiting on validation? XXXX XXXX XXXX. XX/XX/XXXX - XX/XX/XXXX. claim I owe {$430.00}. No validation? XXXX, reported to XXXX XXXX, XX/XX/XXXX - XX/XX/XXXX. claim I owe {$1600.00}. No validation! XXXX XXXX XXXX, XX/XX/XXXX-XX/XX/XXXX. No validation! TransUnion, reported to XXXX XXXX XXXX, XX/XX/XXXX/-XX/XX/XXXX. claim I owe {$4.00}. XXXX XXXX XXXX, XX/XX/XXXX-XX/XX/XXXX.claim I owe {$1600.00}. XXXX XXXX, XXXX {$1200.00}. XXXX   XXXX XXXX, Clsd. {$1200.00}. XXXX XXXX XXXX XXXX ChrgOff.
Product: Credit card

PayPal has " simplified '' their PayPal Credit process to the point that it 's very difficult to understand that XXXX is applying for credit. I was assessed a {$25.00} late fee on an account that I did n't even know I owned! They cite terms and conditions ... but the real issue is that their process is so frictionless that it 's hard to know it 's there ... .it 's not about T 's & C 's. I have closed my credit account ( and my wife closed hers ), and filed a complaint with them. But it seems to me that the seedy operations for which you have already fined them is continuing.
Product: Debt collection

Ive made numerous attempts to review this item on my credit report. This is a medical collections, this is being reported incorrectly. This is a HIPPA violation. My personal information was stolen I have no knowledge of this debt. 


- XXXX XXXX XXXX- {$930.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, inquiries which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any item or information which is found due to identity theft. The dispute inquiry do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block and remove this inquiry ; XXXX XXXX Date of inquiry XX/XX/2021. 

If you feel there is a possibility this inquiry belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried today XX/XX/2021 to submit a dispute again over the internet with XXXX  in regards to 2 credit inquires that are to be removed off my XXXX  credit report. I don't no why I am unable to dispute anything online with them. However I am submitting this dispute as I had conctaced experian by phone last month in regards to the 2 credit inquires that were to be removed off my credit report and they are stil showing. One is XXXX XXXX that was done 2 years ago and the other one is XXXX XXXX that was also done 2 years ago. These 2 inquires should be removed.
Product: Student loan

I had 4 accounts with XXXX, with payment starting when I graduated from college in XXXX. I paid ALL monthly payments on-time, and in XX/XX/XXXX I paid off my loans in full. 

During COVID, under the CARES act, most borrowers with federally-held loans were automatically entitled to no monthly payments or interest until XXXX XXXX, XXXX. I continued to pay my student loans as financially I was able to. 

In XX/XX/XXXX I had my XXXX  child. As a new mom, with a newborn in the height of covid, understandably I was a bit overwhelmed. I logged in to pay my student loans that fall ( as I did every month ) and the XXXX website could not find my account / allow me to login. I spoke with an agent over the phone- he mentioned there had been a system change/upgrade and 'submitted a ticket ' to have my account info linked or corrected. 

I made a payment and ensure there was no past due balance. Then the next month, the same account issue occurred again. As a new mom I focused on my newborn and didnt worry with the headache of the account linking issue, as I was under the impression that the CARES act covered my XXXX loans- I thought this for 3 reasons : 1/the CARES act covered my XXXX XXXX XXXX 2/as an XXXX, I never took out private loans and only took out federal loans, 3/the information online appeared as though XXXX was covered I was SHOCKED, I mean SHOCKED when I saw my credit report and 60 days past due ( DPD ) in XXXX XXXX, 60 DPD in XXXX, 90 DPD XXXX XXXX, 120 DPD XX/XX/XXXX and 120 DPD XX/XX/XXXX. My credit score that I had worked so hard to establish as a young adult and make solid had absolutely plummeted from a simple mistake. 

I understand that XXXX is reporting past due to the credit agencies, however believe this is inaccurate given the 1/account issue referenced above ( there are recorded calls with an agent acknowledging this ) and 2/the understanding about the CARES Act. 

I implore XXXX to remove this severely impacting negative information from my credit score. As soon as I was aware of the issue, I paid off the account in full.
Product: Debt collection

Recently, I have received phone calls from a collection agency named Hunter Warfield. They claim that I have an outstanding balance of {$540.00} owed on a previous rental property. They are also telling me that if I do not pay it immediately, they would damage my credit report by reporting it to XXXX, XXXX, and XXXX XXXX. 

First of all, I have explained to Hunter Warfield, that I resolved my account with my former landlord some time ago, so their collection efforts are unwarranted. Additionally, I have requested that Hunter Warfield provide me with documentation from the previous landlord, which details the charges that constitute the supposed {$540.00} debt. Their representatives refuse to send me anything in writing. They simply state that if I do not pay them {$540.00} right now, they are going to hurt my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma offers a credit cards and then you get denied and my credit has dropped. It is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection from Wakefield misreporting a balance to XXXX and XXXX that was included in a bankruptcy I filed in 2018. The account is also being re-aged to appear newer than it is. This is bringing down my credit scores and making it difficult to get a loan.
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXXDate Opened : XX/XX/XXXX Balance Owed : {$30000.00} Chargeoff- JXXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$19000.00} Chargeoff- XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7000.00} Chargeoff- XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$6300.00} Chargeoff- XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$17000.00} Chargeoff- XXXX XXXXXXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : $ XXXXChargeoff- XXXX XXXX  XXXXDate Opened : XX/XX/XXXX Balance Owed : {$5700.00} Chargeoff- XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed XXXX {$0.00} Late/Closed- XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXDate Opened:XXXX Balance Owed : {$8600.00} Collection-
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps adding fraud alert asked them to keep. it off inquires that are not mine XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX Equifax mort
Product: Mortgage

I have lived in a house for 12 years making XXXX plus a month payments. became XXXX and XXXX XXXX and could XXXX XXXX XXXX due to DOT rules. 
The company worked me into another area where there was no overtime and very less pay. I soon got behind on my FHA loan with CITY Mortgage loan # XXXX I filed for a loan modification that would allow me to do a quick sale on the house. They wanted me to refinance me at a lower rate if I signed another 30 loan, after I have been paying for 12 years into my previous 30 year note. 
They have assigned me 3 different agents since XXXX of 2018. The current specialist is the worst. XXXX XXXX XXXX He is impossible to get ahold of and never returns calls or emails. When I did get ahold of he he asked if he could call me back he was with another customer. 
Over the 3 agents I constantly submitted documents and with each new agent the process started all over again. 
I hired a real estate agent " XXXX XXXX XXXX '' and she put the house up for sale and has an offer on the house. For 2 weeks and they hire an attorney to foreclose on my house while they are working with me to sell it! This is a case of " DUAL TRACKING ) and it is Illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is sill violating my rights & breaking the law. By The Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), Experian is required by federal law to verify this bankruptcy on my report & they never did with physical proof. Experian had 30 days to prove & its been almost 5 months! I sent them a letter from the Bankruptcy courts stating they do not report to the credit bureaus & yet Experian is still reporting fraud! Experian uses a 3rd party to collect public info & that is against the law & any one can use your info. fraudulently. This bankruptcy is scheduled to be removed XX/XX/2023 any way, however, that is too long!! This Error Experian is reporting, is messing up my ability to obtain future credit for a home & car. Furthermore, XXXX has already removed this Bankruptcy, because they follow the law. I would appreciate Experian stop breaking the law, violating me & remove this Bankruptcy immediately. THANK YOU!
Product: Credit card

Amex rejected my insurance claim for {$2700.00} in damages for a car rental accident. It's not clear what the reason for rejection was. There is no indication that my claim should have been excluded from the documentation. I could only suppose that they are trying to exclude " online '' or " app based '' rental companies but no such exclusion exists in the documentation.
Product: Debt collection

These collection companies are in violation of the FCRA pursuant to ( 15 USC 1692g ) & ( 15 USC 6802 ) These are the companies in violation of the FCRA ... ....

- XXXX XXXX XXXX  ( XXXX IS THE ORIGINAL CREDITOR ) WITH A BALANCE REPORTING {$1200.00}, WHICH WAS REPORTEDLY OPENED XX/XX/year> - DIVERSIFIED ADJUSTMENT ( XXXX IS THE ORIGINAL CREDITOR ) WITH A BALANCE REPORTING {$1100.00}, WHICH WAS REPORTEDLY OPENED XX/XX/year> - XXXX XXXX XXXX ( XXXX  IS THE ORIGINAL CREDITOR ) WITH A BALANCE REPORTING {$2700.00}, REPORTEDLY OPENED XX/XX/year> XXXX
Product: Money transfer, virtual currency, or money service

Google suspended my account gpay and XXXX XXXX payment method for no reason. Ive been using my XXXX account for over XXXX years and never had a problem with this. Google XXXX browser accidentally used XXXX XXXX as a name that I dont use. Ive told Google that my name is XXXX XXXX and Ive used XXXX for over XXXX years. I verified my name and Id with my license XXXX XXXX to verify Im the original owner
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting XXXX XXXX Acct # XXXX has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

A stranger made fraudulent purchases of approximately {$2500.00} on one of my XXXX XXXX credit cards issued by Citibank. 

The perpetrator has been found, and charged with felony credit card fraud : However, Citibank has refused to reimburse the card. This has been extremely stressful over the past couple of months. 

The credit card issuer credited my account after filing the dispute : However, the {$2500.00} in charges just appeared again on my credit card statement, and I subsequently received an e-letter stating that the investigation is complete, and I am now responsible for all of the charges -- No explanation. 

Moreover, they further stated in the letter that if I failed to make payments on the fraudulent chargers, they would report it to the credit bureaus. This is particularly disturbing as I currently have a credit score of XXXX ( Exceptional ) -- Based on a perfect payment history. Consequently, I have no choice but to continue to pay on the fraudulent charges. 

The investigative department of the credit card issuer has been very deceitful. Currently, I am weighing my legal options.
Product: Credit reporting, credit repair services, or other personal consumer reports

Corelogic Credco I did file a freeze earlier this year with you so here is another freeze to your company YOU ARE OFFICIALLY order to CEASE AND DESIST ANY AND ALL consumer information about myself to ANYONE OR COMPANY that includes XXXX, XXXX, XXXX I never approved you to use my information nor collect my information to use that is invasion of privacy. I never gave you permission or approval to make my consumer report public.my right to privacy is being violated by you I ask that the CFPB step in on this matter Enclosed are USC codes that you are violating respond by through the CFPB, do not state you need more identification this is a government wed site
Product: Credit card

I have Capital One credit cards and other credit cards that I did not apply for on my credit and I don't mean just one I mean like nine
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX I had a residential mortgage with XXXX which I was informed is under the control of XXXX Bank. This account was transferred to another lender in XXXX before XXXX Bank took over. In XXXX, XXXX, the mortgage was reported as 30 days late to each of the 3 major credit reporting agencies. When I reached out to file a dispute to have this item removed after XXXX, XXXX ( 7 years from the date of the first delinquency ), XXXX changed the reporting to show it as a positive account, committing blatant fraud in their reporting rather than removing this item as requested. Each time I've reached out to XXXX to discuss this account, I am continually being told they have no information on the account, either under my name, social or the account number, yet they respond to any disputes filed by the credit bureaus, informing them that their reporting is correct, when in fact it is not. For months I have continually tried to get this account removed from my credit file, only to be told that the information being reported by XXXX is correct, thus allowing XXXX to continue to commit fraud by changing information on this account from negative to positive, avoiding the Statute for time limitations and not reporting accurate information. I am seeking assistance to have this item removed for the blatantly fraudulent information they are reporting and for their failure to respond to me as a consumer to challenge the accuracy of their information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently discovered that there is unauthorized information in my name being used on my credit reports, I would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports so I'm insisting they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I've reported the theft of my identity to the federal trade commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items as soon as possible. XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX