23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX my ex-H and I got a HELOC. We made interest-only payments some in the {$1000.00} amounts per month. My ex-H lost his job and I worked overtime to make payments until the overtime stopped. We went through a divorce and I tried to work with RBC ( now PNC XXXX to do a loan modification but they could not help me. The account eventually went to collections. We were unable to come to a resolution. When the Collections representative contacted me last he said the Statute of Limitations has run and could no longer collect. PNC Bank charged off the loan in XXXX so based on the Collections Rep 's statement about the XXXX and the Bank writing off the loan I thought the matter was finished. Now I'm closing on my house tomorrow and have been trying to work with someone at PNC to release the lien that was recorded against my property but to no avail. The Note and Mortgage are no longer in effect based on the Statute of Limitations but they won't release the lien until the account is paid in full. I believe the Bank lost it's right to collect as they never filed suit, etc. and the XXXX has run. If this issue had be dealt with before my ex-H would have been responsible for XXXX this loan but now I am being forced to pay the {$150000.00} from the sale of my house in order to close on XX/XX/XXXX. How can a Note and Mortgage not be valid and the bank still collect? I need assistance getting the {$150000.00} back from the bank that was unfairly collected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report a few months ago i seen multiple accounts listed under MEDICAL. Under hippa my medical information is protected. Why does a third party have my medical information? Where 's the medical release form? This is humiliating and embarrassing that a third party collection agency can have access to XXXX medical records. I know for a fact i did not give ANY provider permission to share my medical information. The reporting agency needs to remove ALL accounts on my credit report. In addition i will be filing lawsuits against these creditors for violating my medical rights. I have ALREADY disputed these accounts the EXACT same way and they 've come back verified. How? Did you recieve a medical release form?
Product: Debt collection

I received a notice that I owe {$510.00} on a XXXX which I do not. I have disputed with nothing being received. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX years old senior, living on ( {$800.00} ) social security a month and covered by XXXX and XXXX insurance, I already disputed these three charges, all my medical charges were covered and paid by XXXX and XXXX, but these three collection ( it seemed are Over charges for Unnecessary visits for no Treatments, just to keep charging the XXXX and to keep charge me extras for no medical need ), I field a dispute and my dispute was investigated by XXXX  and it was Removed from and deleted from my credit report as shown below, But these three collections accounts Still showing on my credit report by XXXX XXXX XXXX despite my repeated letters and dispute to both agencies but got no satisfactory conclusion and response, this irrespirable behavior by these collection companies and reporting agencies caused me Great Harm and Denial of credit applications, -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - these are the three collection : 3 - collections {$860.00} Reported balance PLUSFOUR , INC {$300.00} PLUSFOUR , INC {$110.00} PLUSFOUR , INC {$320.00}. These -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- These Three collection was reported by : XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, NV XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is from TransUnion : Accounts In Collection Removed PLUSFOUR INC + Collections Account Removed PLUSFOUR INC + Collections Account Removed PLUSFOUR INC + Collections Account Removed -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This is from XXXX, it was removed and deleted from my credit report, Your Dispute Results Investigation Results Print Report Created On : XX/XX/2021 File Identification Number : ( XXXX ) Provided by TransUnion Consumer Relations Your Investigation Results INVESTIGATION RESULTS - DELETED : The disputed item ( s ) was removed from your credit report.

In response to your dispute, these three items was DELETED from your credit report. PLUSFOUR , INC {$300.00} PLUSFOUR , INC {$110.00} PLUSFOUR , INC {$320.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Thank you for your attention, my email ( XXXX ).
Product: Debt collection

I sent the company, XXXX XXXX, a verification letter on XX/XX/XXXX and they never responded to the letter, I sent them 2 letter one they responded to concerning the {$1500.00} debt and they took it off but the {$20000.00} debt they didn't responded and I sent the letter the same day. Both where sent through certified mail. They took the the small debt off my report but have left the bigger one and haven't responded to my letter.
Product: Debt collection

I had received a notifying letter from XXXX XXXX XXXX  on XX/XX/2021 stating that I owed {$830.00}, I had never opened an account with XXXX XXXX XXXX I received a letter on XX/XX/2021 from Midland Credit Management stating that I have been on collection and I owed {$830.00} but I ignored it thinking it was a scam then I had received another letter from MCM Collection on XXXX XXXX with the same billing mail letter. So I called XXXX XXXX to make sure I didnt have a account open and they said yes I had a account open but they couldnt help bc Collection had already taking over the account.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 around XXXX XXXX XXXX I received few alert emails from XXXX XXXX  mentioning there is an inquiry and the change to my credit report. This is very suspicious as I did not need to apply for any loans at the moment. I logged in to XXXX and found there is a Hard Inquiry from ONEMAIN Address : XXXX XXXX XXXX XXXX, IN XXXX Phone number ( XXXX ) XXXX. I called the number and I was asked to provide my phone number but my number did not match to the application on file. Then I was asked to provide the XXXX, they found it and locate the loan went to One Main Financial address in XXXX XXXX XXXX, XXXX, NM. They then connect me to the loan officer, they have verified the email address and the Phone number provided did not match mine. The phone number on the application start with XXXX are code and last XXXX is XXXX, also the email was a gmail account. They have assured me that in this case someone had used my XXXX for the loan and they have stopped from processing the loan and assured me that there will be no money approved for this loan. I have also clarified that this has never happened before, and I had a XXXX XXXX XXXX against my XXXX  when this issue occurred. Highly suspected that this must have been done by someone who knew my XXXX but I have no proof. They had advised me to freeze the credit report from all XXXX credit bureaus, to make sure similar issue will not happen again. I have done everything they suggested me to do, and have also file a dispute to XXXX to have this Inquiry remove, but this is still in process.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that I have some inquiries that I did not authorize.
Product: Debt collection

XXXX XXXX XXXX Fraudulently placed a collection on my credit reports from XXXX for {$98.00} that does not belong to me and XXXX Fraudulently billed for Medical service never Authorized ref file number XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of a Predatory loan fiananced by Santander XX/XX/2013. Santander has XXXX and XXXX  me over a decade through false reporting negative information to the credit bureaus and parking bad debt in an attempt to coerce payment. Filing a complaint with the CFPB looking for support only made things worse and emboldened their behavior. Actively violating the CFPB consent. CFPB received civil funds for consumers harmed totaling {>= $1,000,000} from judgement against Santander over a year ago. CFPB data shows complaints in Massachusetts show no slowing down. 

I was not notified by CFPB as a victim harmed? Why is their no accountability with enforcement regarding the orders and stipulations that were signed in court?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously sent many complaints to this company regarding my disputes with my consumer report. I have also called this company to get an update on my disputes in light of recent investigations brought upon Equifax. 

Over the past XXXX  years, I have made several attempts to remind you of your duty pursuant to 15 USC 1681. It appears that you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this complaint as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( XXXX ) says that after the reinvestigations all of the unverified information must promptly be removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that it can not be verified or validated. 

Please remove these accounts from my report IMMEDIATELY : - XXXX XXXX XXXX  - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted proper documents to show that I was the victim of Identity Theft. Nothing has been fixed or removed from my credit. They are not responding. This is impacting my credit score and personal life.
Product: Credit card

I contested the charge on a registration fee for an exam that advertised as being current to market, which ended up not being the case- this was evident after registration once I was able to review the examination study materials, and the exam date has still yet to occur ( XXXX ). The exam administer disagreed with this, so I disputed the charge with my credit card provider on XX/XX/XXXX as the fee is quite substantial at {$1000.00} while missing material on XXXX XXXX industry standards which began implementation in XXXX of XXXX ( source, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I provided all relevant information on the phone and online, and followed up with a call the next week to confirm this. I was told that they had everything they needed, and that the merchant had until XX/XX/XXXX to respond. On XX/XX/XXXX I received an email noting that I had a new message regarding my dispute - there was no message to be found, so I called and inquired. They informed me that they sent a letter in the mail, which I never received, requesting more information. On XX/XX/XXXX I was sent the letter via secure email. I promptly responded in the same day to the email in question with all requested information ( XXXX ). I received confirmation of receipt of the documents. On XX/XX/XXXX, I received notice that my case was closed and that I was liable. I called to find out why this was, and was informed that I never provided a scanned image of my signature- this was never requested of me, following the confirmation I received of my document submission. On XXXX I provided again, the same information this time with a scanned and dated signature. I was told that my dispute would reopen. Today XXXX, I check the status of the dispute, and it still shows closed. Confused, I call again and speak with a representative who informed me that it was not reopened, and that it was closed because of the merchant response. I then asked for a copy of merchant response. The representative informed me that, not only was there no merchant, but Citi had yet to even contact the merchant. So XXXX ( XXXX ) weeks later and Citi has performed NO action. Shocked and frustrated, I asked to speak with a supervisor about the multiple mishaps- they 'understand my frustration ' but they 'have no updates to share, please wait XXXX business days. ' I was also informed by the supervisor that the dispute timeline now resets due to their errors, and that resolution wouldn't be until AFTER the proposed examination date - all the while I am unaware if I will be receiving my money back or not. Not only this, but the merchant will very likely question why it took so long for me to contest since they have yet to hear from my financial institution. Both the errors and this resolution of process as a result are unacceptable and do not look out for the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Misspelled middle name, my middle name is XXXX, not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019was having some personal problems so I called Elan Financial and set up my credit card on a payment plan. Everything has been on automatic payments and no payments have been missed. I have the bank statements and proof of payment that can be provided. The reported to the credit bureaus that I wasn't making my payments and the card was charged off yet they continued to take my monthly payments. Working two jobs the last two years I saved up enough money and paid the remaining balance of the card off in full. A month ago they updated my credit reports stating this is now a collection and charge off and I was not paying as agreed. This was incorrect. All payments where made on time per the written agreement I was sent. This has now ruined my credit and I need to get this fixed. I called and no one will help me. My next step is to get an attorney involved.
Product: Mortgage

A payoff was sent to the company on XXXX XXXX and was not received until XXXX XXXX. Wells Fargo is horrible. The amount sent was to pay off on XX/XX/2022. I have been contacted 5 times since about paying an additional amount over {$300.00} to which the company has not been able to tell me what the additional amount even covers. I found out today XX/XX/2022 that they still have not cashed the check for all but the additional amount and the additional amount was sent yesterday with that still not being annotated. I have requested that the company cash the check and additional money to pay off the mortgage and they have informed me today it could still take an additional 2 weeks. I have requested they strike any negative remarks to my credit report as well.
Product: Credit reporting

XXXX XXXX XXXX XXXX is listed as a separate account with a balance due for a charged off account that is still reporting beyond XXXX years. The last activity on the original XXXX account predates XX/XX/2009 and it has been charged off and taxed as income. The account balance on the original is XXXX and this attempt to duplicate it after charge off is unscrupulous.
Product: Vehicle loan or lease

The company ran my credit without my permission and XXXX XXXX na do nothing about it and other billing disputes during the buying process occurred. on XXXX, XXXX 2023 thet ran my credit without me being at the dealership or any without my authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the charges on my credit report related to the following accounts : XXXX XXXX XXXX Charge Off Account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account TD XXXX XXXX XXXX Charge OFF Account XXXX XXXX XXXX Bankruptcy XXXX I understand that these accounts have been charged off or sent to collections, but I strongly believe that these charges are not accurate. Furthermore, I would like to point out that I filed for bankruptcy on XXXX, and as such, these accounts should no longer be on my credit report. 

I am emotionally distressed by the negative impact these charges are having on my credit score, and I am kindly requesting that you investigate these charges and remove them from my credit report. I have been working hard to improve my credit and these inaccuracies are hindering my progress. 

Thank you for your attention to this matter. Please let me know if you require any further information from me. 

Sincerely, XXXX XXXX
Product: Credit reporting 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 confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX acquired my second mortgage from XXXX and never notified me of the acquisition resulting in 60 day late payment. They claim to have sent a notification mail to my physical address but this was never received. I also confirmed later that they had two phone numbers and an email address that were still active options to contact me. XXXX XXXX XXXXXXXX made no attempt. This account is 10 years old and has never had a late payment despite being transferred 3 times to other mortgage companies previously. This was negligence by XXXX XXXX XXXX and should not be on my credit report. This is an extremely systematic and unfair reporting practice.
Product: Debt collection

Started receiving harassing calls at my office regarding breaking a lease with XXXX XXXX XXXX in XXXX, KY in XX/XX/2019 from Hunter Warfield representatives. Received calls daily for several weeks until I learned I could send a written notice telling them to cease and also request proof of debt. I was not under a valid lease agreement and have provided the collection company proof of such but they continued to claim I owe the debt. What they sent me is exactly what shows that I was not living under a valid lease agreement. They had provided a copy of a lease that expired 6 months prior to me vacating the property. Called Hunter Warfield on XX/XX/2019 to try again to show them I was not living under a valid lease agreement and ended up talking to someone named XXXX that identified himself as a senior manager. All he did was talk over me, threaten to ruin my credit score and argue that the lease agreement was valid when it clearly isn't. The apartments ' management company, XXXX XXXX, turned this over to Hunter Warfield without ever  contacting me which makes me wonder if they knew they didn't have a leg to stand on so they'd see if an aggressive collection company could scare me into paying something I wasn't responsible for. My rent was current and paid in full prior to my moving out. I had given them more than 30 days notice and even told them they could keep my {$200.00} deposit.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has documented Equifaxs repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part. 

Federal law ( 15 U.S.C. 1681i ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored. 

Former : XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I received a {$1500.00} loan check from XXXX XXXX XXXX XXXX and then I deposited via the Bank of America mobile app. After doing so, I see that there is a 12-day hold on the deposit. 

I call the Bank of America customer service number, where I am told that, since I still have the check, go to the bank on Saturday morning and see if the local branch can at least make {$200.00} available.since. 

The following day I do so, but to no avail. Now, I have no way to pay my rent and utilities until the hold is lifted. Meanwhile, I will rack up a {$100.00} late fee on my rent and my electric service will be disconnected on XX/XX/XXXX at the close of business. This 12-day hold is onerous and goes beyond the standard hold time.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$3300.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6100.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$91.00} ; XXXX XXXX Balance Owed : {$31.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$38000.00}
Product: Credit reporting or other personal consumer reports

I disputed an account with Experian because the info did not match or seem accurate. They did an investigation and it came back verified. I am demanding a reinvesting action and also proof of contract or documentation connecting me to said debt *CREDIT RECOVERY SYSTEM