23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX C/o XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Dear XXXX, This letter is to inform you that you are reporting inaccurate information on my consumer credit report which is not my info. The inaccurate reports are affecting my ability to obtain credit accounts. I will list below all of the inaccurate information. According to 15 U.S Code 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit-reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. According to 15 US Code 6802 a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 


Inaccurate Info XXXX  XXXX {$300.00} Limit Closed Account ( Opened XX/XX/XXXXXXXX  Closed XX/XX/XXXXXXXX  ) XXXX XXXX XXXX  {$1000.00} Limit ( Opened XX/XX/XXXXXXXX  Closed XX/XX/XXXXXXXX  ) XXXX  XXXX {$300.00} Limit ( Opened XX/XX/XXXX Closed XX/XX/XXXX ) Hard Inquiry XXXX XXXX XXXX XXXX Hard Inquiry XXXX  XXXX XXXX XXXX XXXX Hard Inquiry XXXX XXXX XXXX  XX/XX/XXXX Pursuant to FCRA section 607 ( b ), a consumer reporting agency must maintain procedures to avoid reporting information with obvious logical inconsistencies. The FCRA contains two provisions relating to civil liability to consumers for noncompliance. Section 617 provides that any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the consumer 's actual damages, and costs and reasonable attorney 's fees. [ 37 ] Section 616 provides that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to actual or statutory damages of up to {$1000.00} per violation, such punitive damages as the court allows, and costs and reasonable attorney 's fees. 
Sincerely yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to check out a. new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. These items need to be deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a call from XXXX XXXX around XXXX XXXX, contacted them back to hear they are a 3rd party attempting to collect for XXXX XXXX XXXX. They stated I need to contact XXXX XXXX XXXX corporate office and speak to head person in legal. Contacted XXXX XXXX XXXX local office and corporate office they indicated they given my account to collection and sent to another company not XXXX XXXX. I contacted XXXX XXXX to verify who has my case as I was inform I might be dealing with fraud. Spoke with director of United about issue, he requested personal info I stated I will give any, he then began to call me stupid, and became irate. I informed him that I have already had issues with ID theft and have active investigations into that, gentleman called me a bum and hung. A few hours later I received I received call from same gentleman this time his personal phone number left voicemail stating, '' my case is being processed, and that I am a liar, and a psycho to not contact that office again as I did not follow the chain of title and not very smart.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX add inquiries to my credit report which cause long turn financial pause.
Product: Credit reporting or other personal consumer reports

This account is been taken as long as they feel like to send back all the information we needed to remove this both accounts have been reported on my credit for over two months and when I contacted the company trying to find out more information on why are they continuing to tell the credit company and tell them oh well we have this to verify that this account is and belongs to the person name XXXX XXXX we can not find out how the information they are saying is more then a copy of a police report that I know I sent in but now it's just comes up lost file I think something is up with the company so be for I file this hard lawsuit against them and I understand they want tlbe able to pay it. Can you look in to this. Company name address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing in response to the recent announcement by the U.S. Consumer Financial Protection Bureau ( CFPB ), which revealed that Equifax has been fined {$15.00} XXXX for failing to sufficiently investigate consumer disputes. It has come to my attention that these failures involved disregarding consumer documents, allowing inaccurate information to persist on credit reports, and relying on faulty software that contributed to erroneous credit scores. 

As a consumer, I am deeply concerned about the impact such errors may have had on my credit report and the reports of others. This lack of attention to consumer disputes and oversight in the dispute resolution process is alarming, and it highlights the importance of transparency and accuracy in credit reporting. 

Under the terms of the settlement, I understand that Equifax has agreed to pay {$15.00} XXXX into the CFPBs victim relief fund and to make necessary improvements to its dispute resolution processes. I would appreciate it if you could provide additional information on the steps Equifax is taking to ensure that similar issues do not occur in the future, and how consumers can be assured that their disputes will be resolved accurately and promptly. 

As a concerned consumer, I also request that you provide guidance on how individuals whose credit scores may have been affected by these inaccuracies can take action to have their credit reports properly corrected. 

Thank you for your attention to this matter. I look forward to your response and to seeing Equifax take meaningful steps to rebuild consumer trust and improve its processes.
Product: Debt collection

Ever since XXXX XXXX ( XXXX XXXX XXXX [ XXXX ] XXXX XXXX XXXX went through a software change now 2 years ago! .. their billing system has been messed up. 

I have dual-insurance, XXXX XXXX XXXX XXXX XXXX XXXX ( Im a retired XXXX  with XXXX XXXX now XXXX XXXX  ). When I receive services for care no matter what it is, I Never have to pay anything.. no Copay no CoIns, etc. because what XXXX doesnt pay XXXX XXXX XXXX. Ive been dealing with the CONSTANT bills for services for 2 years now for which I do not owe. Multiple Calls with Multiple Hours Ive taken to rectify this issue with their Customer Service Reps and even Management saying we will fix this issue with no avail. 

Now, on XX/XX/XXXXXXXX  I received a Collection Notice/Letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX, FL XXXX XXXX XXXX ) saying I still owe {$45.00} for a XXXX  checkup visit I had on XX/XX/XXXX. 

Ive received Multiple bills for this visit and SO many other dates-of-service ( DOS ) as it appears XXXX XXXX can not get their billing straight ! I never paid the first/second request for payment for this DOS as I should not owe anything as Only one of my insurances was billed. Then.. I received another bill on XX/XX/XXXX, its a red bill ( statement date XX/XX/XXXX ) stating I owe {$90.00}. __I called XXXX XXXX XXXX XXXX : XXXX ) Customer Service on XX/XX/XXXX and spoke with XXXX who stated theres a {$0.00} charge - No Copay.. it kicked out the claim as a Duplicateshe will send it back thru to the Billing Dept. to reprocess. Then. 
On XXXX  I received Another red bill - statement date XX/XX/XXXXXXXX  for the same DOS XX/XX/XXXX stating I now owe XXXX? 
__I called XXXX XXXX again and spoke to XXXX who stated they did not bill BOTH insurances. She doesnt know why. She will send this to her Lead and have it reviewed. _That late afternoon XXXX called me back and stated her Leadership does Not even know why theres a balance due. They will send the claim back for reprocessing ( again )! 

Now here we are.. its now XX/XX/XXXXXXXX  - almost 1 year later ( for THIS bill ) and XXXX insurance can Not get their billing straight! ..and they sent me to COLLECTIONS! They/their IT needs to figure this out and FIX the problem! I am tired of spinning my wheels and wasting my time with these people to get their system right and basically doing their job for them. 

Please help with this matter as a Higher entity / company as yourself may be able to light a fire under their XXXX XXXX XXXX and finally get this rectified once and for all! Please. 

* Please let them know, Im also requesting from XXXX XXXX XXXX XXXX stating they sent me to Collections in Error AND they need to REMOVE any bad credit rating Off my Record! 

Note : XXXX XXXX has a system to track and followup with patients.. and Not once has anyone followed up with me since XXXX and they have the nerve to send me to Collections??? Not Right! 

Any help you can provide is greatly appreciated. 

Thank You~ XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these creditors access to report to my credit report. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AN # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was going over the hard inquiries that I have on my credit report and there is some that I do not recognize and did not authorize. I have filed a complaint through identitytheft.gov and I need these inquiries to be removed.
Product: Student loan

On Tuesday, XX/XX/2023 I submitted my application for the SAVE Repayment Plan on the Federal Student Aid website. The confirmation email from FSA states : We have sent your income-driven repayment ( IDR ) plan request to your federal loan officer ( s ) to process the request. You can expect to hear from your service ( s ) within four weeks, but it may take longer if additional information is needed from you.

( See Attachments : XXXX XXXX XXXX ) Nelnet is my student loan service. On my account dashboard it states : APPLICATION REQUEST : Were reviewing your repayment plan application we received on XX/XX/2023. Please allow time for your request to be completed. 

( See Attachment : XXXX  ) Interest resumed on XX/XX/2023 and my payment was due by XX/XX/XXXX. ( My next payment due date is currently listed as XX/XX/23 which I have already paid and payment has been accepted. 

( Compare Attachment : XXXX XXXX XXXX  ) When I called Nelnet the automated answering machine states that email is the best way to receive information from Nelnet. I have received emails preparing me for the start of the repayment process. However, I have not received any emails from Nelnet regarding the status of my SAVE application request nor requesting any additional information. 

Nelnet has not contacted me within the contracted 4-week window. The servicer has not accepted or denied my SAVE application, nor requested additional documents. This has led to interest added to my federal student loans balance which would be paid on my behalf if my SAVE application was accepted.

( See Attachment : XXXX ) The Federal Student aid website, under the page SAVE Repayment Plan Offers Lower Monthly Loan Payments states : The SAVE Plan has an interest benefit : If you make your full monthly payment, but it is not enough to cover the accrued monthly interest, the government covers the rest of the interest that accrued that month. This means that the SAVE Plan prevents your balance from growing due to unpaid interest.

( See Attachment : XXXX XXXX I have tied to reach out to Nelnet directly to fix the problem. And have been unsuccessful at requesting information from the company because I can not get through to a customer service representative. 

On Monday, XX/XX/2023 at XXXX XXXX : I called Nelnet twice to speak with a customer representative to discuss my loan terms. 

The automated called asked for my social security number, birthday, and zip code. The automated message said the the call center was not open and automatically hung up. 

Nelnets Website state that the call center is open Mondays XXXX EST. 

On Tuesday,XX/XX/2023 at XXXX XXXX : I called Nelnet again. Gave my social security, birthday and zip and instead of hanging up I was transferred to hold. The automated message stated it would only take a few minutes to wait on the line for the next available representative. I held for ~ an hour and did not get through to a representative.
Product: Credit reporting or other personal consumer reports

There were XXXX requests for opening a credit card in my report that I don't recognize, I contacted this company to remove these requests, but they didn't help me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name :
Product: Debt collection

On XXXX XXXX, 2016, I received mail from Portfolio Recovery about an alleged debt owed. I checked my credit report through XXXX and the debt has been reported as an adverse account. [ Account # XXXX ( Please note : XXXX omitted account 's last XXXX digits for security reasons ]. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), I sent via certified mail [ Mailed XXXX/XXXX/2016 ; received XXXX/XXXX/2016 ] a request to Portfolio Recovery to provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof that you are licensed to collect debts in Maine ; and 4. proof of the last payment made on the account. 

Portfolio Recovery has contravened its XXXX statutory requirement to sufficiently validate the debt.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I XXXX Presume that no proof of alleged Debt, nor therefore any such debt in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is a charged off account from XXXX. The company continues to report a past due balance. XXXX and Equifax continue to post 90 day lates each month from the company. In addition, the close date is only shown on XXXX  and not XXXX or Equifax. The date of last activity is listed as XX/XX/XXXX on Equifax and XX/XX/XXXX is shown on XXXX XXXX  doesnt show anything. Equifax and XXXX do not show a high balance but XXXX does. 

My FCRA rights are being violated and the account needs to be immediately removed. This account has been reinvestigated multiple times and is not being corrected which violates my FCRA rights in section 611- more specially how to handle inaccuracies and unverifiable information. It is clear that each reporting agency hasnt done this with previous investigations. 

My attorney will file a lawsuit in XXXX XXXX, GA because this is harming my changes of obtaining a mortgage. 

Remove this account as enough time has been provided to give accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquires and did not give consent for Equifax to report these on my credit file under law ( 15usc1681b ( a ) ( 2 ) ) I do not give consent, authorize nor benefit from the following inquires and they must be removed immediately. 

Furthermore, I did ask for verification on the alleged inquires and have not received a response back been over 45 days. 

Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX  ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX  ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX XXXX ( XX/XX/XXXX ) Alleged Inquiry : XXXX-Card Service ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ) Alleged Inquiry : Equifax Mortgage Ser ( XXXX ), ( XX/XX/XXXX )
Product: Credit card or prepaid card

Recieved XXXX XXXX XXXX XXXX gift cards for XXXX $ each on XX/XX/21. On the back it says it is good to purchase merchandise at XXXX. I tried to do this onXX/XX/XXXXand when you click on the shop tab it redirects you to XXXX and when you try to use these it says card not activated. When I check the balance at XXXX it says XXXX , but when checking it at XXXX it says the card is invalid. I called XXXX onXX/XX/XXXX and they told me to contact the card issuer. I called the number on the back of the card and they told me that I should be able to use these at XXXX, but there is no way for them to correct this problem. They suggested I go to the team store at the XXXX, but I pointed out online the store is only open on game days and you need a ticket to get to the store.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal auto loan account opened at XXXX XXXX on XX/XX/year>, under the account number XXXX. There are several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the fraudulent contract that does not bare my signature maintained by you which shows the afore mentioned fraudulent item. I do not recognize the afore mentioned accounts, or hard inquiries as reported. The afore mentioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the afore mentioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all the afore mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Alpha Recovery Corp contacted me on XX/XX/22 regarding an alleged debt. I responded the same day with a written letter requesting additional information. Alpha Recovery Corp has failed to respond to my letter.
Product: Debt collection

On XX/XX/2023, I received a letter and billing statement from XXXX XXXX, attorney representing Professional Finance Company, concerning an alleged medical debt with XXXX XXXX XXXX XXXX. Per the PFC statement, I was to pay XXXX or he and PFC intended to file " legal action '' to " collect the accounts identified ''. In reviewing the statement, the total amount included an 8 % interest rate. According to CO SB23-09, the Senate Bill `` caps the rate of interest on medical debt to 3 % per annum ''. I sent a dispute letter via certified mail on XX/XX/2023, to which a reply from PFC was received on XX/XX/2023 including a billing statement from the original creditor. Based on the statement from the original creditor, the amount of the alleged medical debt was XXXX with 0 % interest rate. As XXXX XXXX and PFC have clearly disregarded SB23-09 in their medical collection practices, I request the alleged medical debt be forgiven. Documents are included.
Product: Debt collection

this is not my debt company made threats to posible jail if debt was not paid. tried to extort me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking to buy a home as I proceeded to do that I realized that my credit report contained fraudulent information. 

XXXX XXXX Account number ending XXXX Open date XX/XX/2022 XXXX XXXX XXXX Open date XX/XX/2022 Balance {$4000.00}