23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute inaccurate information that has been reported by settled accounts on my credit report. Upon reviewing my credit report, I have noticed discrepancies that need to be addressed promptly. I am concerned that this inaccurate reporting is negatively impacting my credit score and financial standing. 
AMERICAN EXPRESS XXXX There must have been an error and this must thoroughly investigate. XXXX and XXXX have already removed this account from their records. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
Despite settling this account, the information reported inaccurately suggests otherwise. It is my understanding that settled accounts should reflect their accurate status on my credit report, and any discrepancy is not only misleading but also damaging to my creditworthiness. The terms of our settlement agreement clearly outlined that the account would be considered satisfied upon completion of the agreed-upon settlement amount. Therefore, I am puzzled as to why this information is not accurately reflected on my credit report.
Product: Money transfer, virtual currency, or money service

I had to file a series of disputes with Venmo for transfers that were done, taking money out of my Venmo account and transferring them to debit cards that were attached to accounts that were not mine. Venmo ended up, not wanting to deal with handling the dispute so they decided to shut down my Venmo account. I explained to them that they still had to allow me to file my dispute and reimburse me the funds for anything that was deemed to be unauthorized. They are telling me now that I am no longer a Venmo customer. They say I have no right to dispute transactions from my account that was just recently closed a couple of days ago. Apparently Venmo thinks that if an account is closed, fraudulent transactions dont need to be addressed. They just want to wash their hands of it and move on. But unfortunately, like most Americans, I live paycheck to paycheck. I can not just move on from the money that was taken from me. Those transfers should not have been allowed. I would like my disputes treated just the same as if they were a dispute coming from any other customer whose account was still open. That is my right. Not doing so, is discriminatory.
Product: Student loan

I've been calling daily. No one picks up. My application for IDR was submitted in XXXX and is still pending. My payment is double what the IDR payment should me. I can't pay this high rate. Please help.
Product: Debt collection

Dental services were provided to XXXX of our children beginning in XX/XX/XXXX by XXXX XXXX XXXX. Primary and XXXX insurances paid their portion and we made copayments, some by check, some in cash. The dentist was arrested in XX/XX/XXXX in an unrelated case and subsequently had his licence to practice in our state suspended and then later, permanently revoked. His practice is now shut down. He sold a debt that he claimed we owed after his license suspension to a Capital Accounts , LLC of XXXX TN, which is a collection agency. The collection agency contacted us and we asked for validation of the debt as we have all of our insurance statements and did not believe we owe this debt. We never received verification. After making recent inquiries into our credit reports, my husband and I realized that the collection agency had been reporting this on our credit reports. Since we noticed this, we immediately filed disputes with XXXX online. We have since filed another dispute as they have not removed from our credit file. Due to this, we have been monitoring our credit regularly and have noticed that the collection agency has been steadily increasing the amount owed on our credit reports as though they are charging some type of interest, which is in violation of the FDCPA. Other than the phone call from them, we have never received XXXX piece of mail, or a bill, or any other type of validation from this company, and the only place we have viewed anything from them is on our credit reports. We dispute this debt in its entirety and wish to have it removed from our credit reports. We have also reported this violation to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX I notified Wells Fargo that my XXXX, XXXX XXXX who had XXXX XXXX  had left me her home which is my principal residence. I sent them the documentation they requested and instead of following federal laws, ( XXXX XXXX XXXX XXXX XXXX of XXXX, ) they ignored the information I sent them and proceeded to foreclose on the property. I contacted them again after learning of the foreclosure again sent them the requested information twice. Wells Fargo began sending monthly mortgage statements again not stating if I should start making the monthly payments or if they are working on a modification and they have set a sale date for the property. 

XXXX XXXX XXXX XXXX Attorney General XXXX XXXX Banking Commission FTC Commission
Product: Credit reporting

My name is XXXX XXXX and I have been a identity theft and fraud victim in XX/XX/XXXX '' and a company called PRO COOLECT HAS ACCURATE INFORMATION from me and a apartment complex that someone else has you my identity and rented a apartment and a broke a lease and utilities in my name at a apartment complex called " XXXX XXXX XXXX " in XXXX, XXXX a state I have never lived in and I have documentation and the apartment complex " Manager with 100 % proof that it was not me. 

They refusing to re investigate my case and sending this information to the credit bureaus and they are calling and threatening me. 

I have open a dispute on XXXX XXXX from the previous one that was closed in XXXX due to the manager XXXX EXT XXXX not properly handling my case. 

I can not live in XXXX states at XXXX time, also My job, apartment, and all detailed documents Proove I was in XXXX where I am from when the ; person ( s ) used my identity. 


Also I sent the apartment complex my ID and information that I never lost lost due to a breach with ( XXXX IN XX/XX/XXXX '' my insurance carrier. That the person that came got the APARTMENT was two different Identifcations used told by the property manager " XXXX " and sent them ( PRO COLLECT A LETTER on XXXX XXXX to them to cancel everything and they have not responded or giving me information now and making it hard for me and all XXXX credit bureaus to remove this all my file. 

This is a very stressful, heartbreaking, and long process since last year when I found out, and I do not have a lawyer or help and this will hinder me From future jobs ( I am college graduate working in the XXXX for seven years ), from renting a apartment, buying a home, and I need assistant. 



And they are rude, disrespectful, they did not send me information, and they told me there 's was not enough information giving me why I was held responsible. 

There were XXXX XXXX used for this apartment complex, and it was mentioned to me after the file was pulled and the apartment complex made me fully aware of this and PRO COLLECT HAS PROPER information. 


My number is XXXX XXXX XXXX I went all the way to XXXX to file a report, I did my affidavit, and filed with the FBI.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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

Hi, I am reaching out concerning the Debt trying to be collected by the IC Systems pertaining to XXXX XXXX XXXX.

I have never owned XXXX XXXX XXXX services, I have only owned XXXX XXXX previously and transferred to XXXX  for cheaper phone service. 

I haven't lived at the address XXXX XXXX XXXX, XXXX, NC XXXX in over two years. 

My previous addresses has been XXXX XXXX XXXX, XXXX, TX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX My mother resides at XXXX XXXX XXXX, I believe that this was filed incorrectly. I called concerning the letter that was re-routed to me about the debt for {$340.00} to gain insight on what was going on. 

They mentioned that the internet router wasn't returned. Per my mother, she stated she called XXXX XXXX XXXX services to pick up the router and they informed her that they would send someone out to pick up the router. She stated that no one came to pick up the router. I called XXXX XXXX XXXX and asked if she could drop off the router at a local store but, they said she could no longer drop off the router and would have to speak to the debt collector and pay the fee. 

However, the fee is placed under my name and I am not the account holder associated with this company under this address. 

Due to miscommunication, it seems that my mother attempted to drop off the router and have someone scheduled to pick up the router but, due to misinformation it has been to sent to Debt Collectors and placed under my name. 

As mentioned, I have not lived in XXXX, North Carolina for over 2 years since have moved from the city and state. 

I will need this resolved immediately. Please have the removed from my name, credit, account, etc. I have never shared a relationship with XXXX XXXX XXXX I have only had services from two telecommunication services that do not include XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, CONVERGENT OUTSOURCI add a derogatory mark on my credit reports. CONVERGENT OUTSOURCI did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX 2024 I received a debt collection alert on my credit monitoring system. 
I went through this same problem last year so i had my credit frozen on all 3 bureaus. plus Fraud alerts setup on all 3 bureaus as well. 
I did not authorize anything to anyone and these collections are a result of identity fraud. 
I went to the extent of going to the social security administration office to try to have my entire social security frozen but they say this is not an option. 
They referred me to identitytheft.gov and so I am on the journey of filing through them. 
This is an endless nightmare it seems.
Product: Debt collection

sent a letter trying to collect with no license to collect in Texas which is illegal neither of the 2 creditors have the license
Product: Debt collection

On XX/XX/XXXX, of XXXX I contacted the Bounce AI about a debt they were trying to collect in the amount of {$400.00} dollars. I contacted them after seeing this being reported on all XXXX of my credit reports. They offered a settlement of {$300.00} which I paid. They provided me with a email about the settlement offer and that the debt was paid. 

After the XXXX while in the home-buying process, this debt was still reflected on all three of my credit reports. I disputed this with all three. Bounce AI then reported back to the credit bureaus that the information was correct and that I owed the full amount of {$400.00}. 

I resubmitted the dispute with XXXX on XX/XX/XXXX. Including copies of the emails sent to me saying they would delete the amount and a copy of the email saying I had paid the account. Today XX/XX/XXXX XXXX updated me of the results saying Bounce AI is reporting still reporting that I still owe that debt. I contacted Bounce AI directly and they said they reported to have it deleted on the XXXX of XXXX. When I asked why when I dispute it the representative did not have an answer and only replied the company has reported to have it deleted. Yet when I talk to XXXX I am told Bounce AI is still reporting that I owe the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a credit card and notice that my XXXX XXXX Credit Card Acct # XXXX XXXX XXXX XXXX that was opened in 2016 was not reported on my credit report for any of the bureaus. Please report my XXXX  XXXX Credit Card Acct # XXXX XXXX XXXX XXXX payment history and current account information to all three bureaus.
Product: Checking or savings account

Reserve account is -XXXX, i called due to the fact that the account cant be overdrawn as a second chance banking reserve account. You cant overdraw that account, i transferred the money from regular checking to reserve. Afterwards i withdrew money due to attorney fees, which should of left account at XXXX   balance. However, they seem to give me the same info but i have not transferred any money from reserve to checking. Please help, i think they are abusing people.
Product: Mortgage

Home was secured in a XXXX fell behind in payments 18 months into XXXX due to engine failure on current vehicle secured in the XXXX was told by the court to request loan modification, It took 3 months more documentation but loan mod was granted, Had a rental assistance payment in the amount XXXX ( rounded ) paid 2 months later taxes were paid in the amount XXXX and the mortgage payment was returned, then was told house was sold, I never authorize this transaction the judges name was incorrect, I disputed in a timely fashion with the wrong judge due to USBank misinformation judge on documentation, which time and allowed them to do an illegal sell Technoloy I only owed XXXX to the bank. Now I was made aware my money for the mortgage assistance was returned and my home was sold for XXXX and XXXX in escrow and year to date credit has not been fixed updated or acknowledge. Now being asked to leave. All of this was derogatory not notified or respected. I can make my minimum payments, and was treated unfair and made to be homeless, currently working an eviction due to sale on the house was done illegal.
Product: Mortgage

I have my home financed with Nationstar Mortgage, I am going thru a divorce my wife was awarded the house in the settlement however I had to maintain payments until the divorce was final. I have maintained my payments thru XXXX XXXX after divorce was final my wife was to take responsibility as of XXXX XXXX I have receipts to prove that I am current thru XXXX XXXX XXXX XXXX. My finance co filed foreclosure on my house stating that I have n't pay'ed payment since XXXX XXXX which is not true. My payments were late due to XXXX from military and going thru a divorce the past year however I still managed to pay my note as of to date have my payment current. I did not pay XXXX payment because my ex-wife was awarded the house in XXXX XXXX she was to pay XXXX payment and get the house refinanced in her name. So basically my complaint is that Nationstar wrongfully started foreclosure proceeding in XXXX XXXX when my payment was current and due for the same month that they put my house into foreclosure. the
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Complaint Regarding TransUnion Privacy Violations and Inaccurate Reporting Dear CFPB Representative, I am writing to formally file a complaint against TransUnion for violations of my privacy and for inaccurate reporting on my credit file. 

I have reason to believe that TransUnion has shared my personal financial information with third parties, including XXXX and XXXX : Credit, without my written consent. As per the Fair Credit Reporting Act ( FCRA ), it is unlawful for a credit reporting agency to disclose a consumer 's personal information without explicit permission. I did not authorize such sharing, and this breach of my privacy rights is concerning. 

Additionally, I have noticed inaccuracies in my credit report that have adversely affected my credit score. Specifically, my rental account is open. Here are screenshots showing my rent 's current, and Transunion deleting this account shortening my credit history. 

I have attempted to resolve these issues directly with TransUnion by [ mention any actions youve taken, such as disputing the information or contacting customer service ]. However, my concerns have not been adequately addressed, and the inaccuracies remain. 

I request that the CFPB investigate these violations and take appropriate action against TransUnion for their practices. I would appreciate any guidance you can provide on how to further protect my rights as a consumer. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Debt collection

You may look into my previous complaints for further information.
In summary I have been paced on collection by TSI for a debt that they were given by XXXX XXXX XXXX to manage without ever informing or attempting to inform me of such changes or my ability to make payments on the debt. 

I have explained in the past how their initial and only attempt was to place my account on collections after my cosigners Chapter XXXX bankruptcy was finished and they could apparently collect again. While this is happening I was told repeatedly by the XXXX that they had no idea of any account in my name or even with my SS #. Impressively enough TSI turns around and places my account on collections without any letters in the mail, any phone calls, any emails, nothing! 

The account should be taken out of collections status as this is an abuse of power and manipulation of accounts. As a consumer I was lied to by XXXX and was never contacted by TSI nor was I ever informed that TSI existed and/or had my account in their possession.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized inquiries from my credit report. I am a victim of a data breach, and my personal information has been used fraudulently. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following inquiries be blocked and deleted from my credit file immediately. 
Fraudulent Inquiries to Block and Delete XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Student loan

my loan started in XXXX with aes. i defaulted in XXXX i then setup payment arraignments. Two payments twice a month for three years was withdrawn by aes. they claim they were not the ones who withdrew the money. i provided bank statements as proof. i have accrued thousands of dollars in fees and interest. when i cal, the customer services representatives are have been rude, unknowledgeable, condescending and confusing. after all this, i owe as much as when i started.
Product: Credit card

The final billing with Citicards was paid in full ( {$2000.00} ) well before the due date. I closed the account. I am now being billed an additional {$14.00}, XXXX in interest on {$760.00} and have no idea where this amount came from.
Product: Debt collection

I never signed a lease with XXXX and they placed a debt of $ XXXXfor a place i did not fill out an application for.
Product: Mortgage

I applied for a mortgage using Better.com ( " Better '' ). During the underwriting process, Better required that I complete IRS Form 4506-C using an incorrect address. Specifically, Better demanded that I complete lines 3 and 4 of Form 4506-C using my previous address. Line 3 clearly requires an individual to provide his, her, or their " current '' address, while line 4 requires an individual to provide his, her, or their " previous '' address. I refused to provide false information to the Internal Revenue Service and thus provided Better with a correct Form 4506-C with my accurate current and previous addresses on lines 3 and 4 respectively, but Better refused to proceed with my application with this accurate form. As a result, I withdrew my application from consideration. It is troubling that Better would require consumers to provide false information to the IRS, and I hope the CFPB investigates this practice. 

Thank you for your time. 

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

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the company thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 

XXXX XXXX XXXX XXXX ....