23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the XXXX and XXXX XXXX format formateignoring to report. 

Account XXXX After reviewing my credit report again, I have noticed that the item has been reinserted. It is my understanding that a deleted item can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of XXXX updates. XXXX XXXX XXXX XXXX 

It is very serious that you please investigate and resolve as this is harmful to my character and is obstructing my ability to obtain financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX in, XX/XX/XXXX to resolve, 5 credit reporting disputes. There were two collections companies that generated these complaints three were generated by the same collections company the remaining two by another. They were all in reference to medical bills that had been reviewed and previously paid by the insurance carrier I had at the time. Each were referenced to coverage in years, XXXX and XXXX. 

I had contacted the companies to verify findings for payments known to be true. After two episodes of research XXXX agreed that the billing was in error and in, XX/XX/XXXX these disputed narratives were successfully removed from my credit report. 

In XXXX, XXXX I filed identical disputes relative to identical companies once again challenging the legality of credit reporting with, EQUIFAX. This collections company felt that there were no grounds to release these identical disputes from my credit report. By XX/XX/XXXX I had challenged the findings on three occasions only to be told that our decision is final and they have zero need to do follow-up with XXXX. 

As with so many households in the United States this, 24 plus month raging global pandemic phenomenon has hit my family especially hard. I have attempted to continue to pay my bills on time and keep my ratio of debt to expenditures to a minimum often times electing to go without necessities vs a surprise bill that could easily decimate my meager savings! Therefore It is essential that these unfounded burdensome narratives be removed from my credit summaries. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

I started by sending a letter to the company so that I could verify the validity of this account. I could not verify the account with the information I received. I sent 2 letters requesting this information. I then sent a cease and desist letter, I requested that they not report this unverified debt until I receive the information so that I could verify the validity. Next, I filed a complaint with XXXX. They responded but it did not show any information that showed this was my account. XX/XX/2022, I spoke with XXXX XXXX and XXXX XXXX ( collection supervisor ) about this problem and they were unable to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The medical debt collection account in question was opened on XX/XX/XXXX and reported by XXXX XXXX XXXX, with an original balance of {$3800.00}. This medical debt collection account was paid by the insurance company XXXX of XXXX on XX/XX/XXXX, with a total amount paid of {$3800.00}, matching the medical debt collection account on my credit report. The Original Creditor of this balance was XXXX XXXX  XXXX. In accordance with the National Consumer Assistance Plan, the medical debt collection account should have never been reported on my Credit report, as the medical debt collection account was paid by the insurance company Mutual of XXXX. My first step to having this medical debt collection account removed from my credit report was filing a dispute with Experian, where I provided the Explanation of Benefits from Mutual of XXXX, as well as the claim receipt, proving that this debt was paid to the original creditor, XXXX XXXX  XXXX. The Explanation of Benefits from XXXX XXXX  XXXX and the claim receipt were provided in separate disputes for the same medical debt collection account, as each dispute filed with Experian did not result in any action or the removal of the medical debt collection account from my credit report. Experian responded to my filed disputes of this medical debt collection account by saying they reached out to the data furnisher, the debt collection agency XXXX XXXX XXXX, and XXXX stated that the account information was accurate. Experian then refused to remove the medical debt collection account from my credit report, even though I had provided documentation in multiple disputes that this medical debt collection account was paid by the insurance company XXXX of XXXX. I then followed up this response from Experian by calling XXXX XXXX XXXX, which records the calls they receive, and XXXX told me that the Original Creditor, XXXX XXXX  XXXX told them that the account was paid, and to report it as such, but that XXXX would not stop reporting the medical debt collection account on my credit report, as they had no proof that the collection was paid by insurance. Thus, either XXXX XXXX XXXX is lying that they did not have proof of the collection being paid by insurance, or Experian did not provide the documentation attached with my multiple disputes to XXXX XXXX XXXX. The documents provided in my disputes, and this complaint, clearly show that the medical debt collection account reported on my credit report by XXXX XXXX XXXX was paid by the insurance company XXXX XXXX XXXXXXXX to the Original Creditor, XXXX XXXX  XXXX, and as a result, should be removed and not be reported on my credit report.
Product: Credit card or prepaid card

I had unauthorized charges on my account. These charges were in duplicates. ON XX/XX/XXXX in the amount of {$4900.00} a company called XX/XX/XXXX charged my card 2 times. I contacted this company regarding these charges and was not provided any resolution or refunds. 

I have disputed these charges with Wells Fargo on XX/XX/21. Their fraud and member services opened a claim. The claim number is XXXX. Their investigation terminated on XX/XX/21 which resulted in a denial of my claim. In a letter stating, I authorized these charges based on my statements. I have not authorized any duplicate charges for any merchant at any time using this XXXX XXXX account or any other in my name. 

I know these charges to be fraudulent and under my rights of Consumer Credit Protection Act any charges on my debit card which are not authorized as to be refunded. 

XXXX XXXX, Senior Vice President of Wells Fargo has not cooperated with my dispute case. I am seeking a refund for the fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/2022 I sent a letter for the inaccurate accounts on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act XXXXction 611 ( a ) clearly states that a failure to investigate these items gives me a reason to immediately repair the items from my credit report, they should be promptly corrected. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the misleading information on these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I contacted XXXX XXXX about the capital one account that they said I was delinquent XXXX for two months. Out of the three reporting companies, XXXX XXXX was the only one with the false claim. I called capital one to verify that I didnt owe them money which they verified. I currently have three capital one cards with high credit limits which I have XXXX balance on. Again, why only XXXX XXXX would say I owe them is incredible. Thank you for your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, I am filing this complaint on High Performance Capital. I have checked my credit report and from the period of XX/XX/XXXX through XX/XX/XXXX they have reported false/incorrect information, On my credit profile it has stated during these time late payments, repossession, and as well foreclosure. I have sent in dispute letters to the credit bureau XXXX and as well High Performance ( finance company ). 

According to the rules/laws of reporting late payments the payments has to be at least 30 days past the due date. I have attached screenshots during this time from my payment history form from them. It will not show consistent 30 day late payments for each one of those months. 
Also they have made my status of repossession for the time period mentioned above as well when I have had the car during this time and making payments. Also they have reported to XXXX that my account was in foreclosure. This is a car loan not dealing with any mortgage. 

I have called and asked for this to be removed and was told that the credit bureau made the mistake. Contacted XXXX and they verified the info stating its correct. So I asked finance company again to update but no further response. 

I have attached screenshots of the payment history and payments made. I will also insert the letter sent to finance company to remove the false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I received my credit file in the mail and there are accounts listed that are showing negative payment history. All accounts should have excellent payment history and I talk pride in that. The credit bureaus have decided to ignore my letters requesting the correction to be made. The accounts XXXX XXXX and XXXX should have show EXCELLENT payment history, there are no late payments made. The XXXX XXXX account is definitely not a account of mine. I have no association to the to company at all nor have I ever.
Product: Debt collection

XX/XX/2025 {$1900.00} Midland Credit Management , Inc ( junk debt buyer ) filed case XXXX with XXXX XXXX XXXX XXXX South Carolina with failure to send a pre-legal letter before filing a lawsuit against me. 
I have been a victim of Identity theft on numerous occasions for the said debtor XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act XXXX XXXX XXXX XXXX  have violated my rights 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 an account without my written instructions
Product: Mortgage

In XXXX of XXXX, I made a monthly payment online to my mortgage company, Lakeview Loan Servicing. The payment posted, and then 7 days later, they took the payment out a 2nd time. I called and requested a refund. They required proof of the double payment, which I provided. A week before XXXX I had paid 2 mortgage payments, which affected my ability to provide a good XXXX for our family. I was told the refund would be issued by check. Finally after 3 weeks of waiting, the refund check came. 

In XX/XX/XXXX, I mailed a check for my monthly mortgage payment. My bank shows when the check was cashed by the mortgage company. I started receiving correspondence that my payment for XXXX was not received. When I called the customer service department, they stated my payment was not received and that I would have to provide evidence that the check cleared the bank, when I clearly have documentation that the payment was received. This issue has adversely affected by credit as it shows I have not made my XXXX payment. It is now XX/XX/XXXX, and after providing the documentation they require ( via email ), I still have not been called or notified by Lakeview that the issue has been resolved. Emails go unanswered, and no one will call me. 

As of XX/XX/XXXX at XXXX, EST, after finally getting through to customer service, they said it can take up to 5 to 7 business days to research the payment documentation I sent on XX/XX/XXXX. This is totally unacceptable. Their site shows I am 2 payments behind, when actually all that is due is the XX/XX/XXXX payment. At this point, I will definitely look at refinancing my loan with a local bank so I can get the proper handling and customer service my money and loan deserves.
Product: Payday loan, title loan, or personal loan

On  XXXX / XXXX / XXXX  my husband applied for and got a payday loan through Loanme.com. When my husband applied he specified that payments would be made available to the company on the   XXXX   of every month in the amount of  XXXX . On  XXXX   XXXX   XXXX  a withdrawal was made from our account in the amount of  XXXX . My husband and I do not receive our social security checks until the  XXXX  of every month so therefore there was no money in the bank and it left our checking account  w  a negative balance of over  three hundred d ollars. I contacted the company about their mistake. They claimed that they were entitled to the amount on the  XXXX  of every month, not the   XXXX  . I asked loanme to return the money to our checking account plus reimbursement for the overdraft fee. They refused. Can you please help us?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this on my credit report several times. 
Equifax ignores my requests and my attorney
Product: Debt collection

I have tried writing Commonwealth Financial several times to Validate this medical bill but no response at all. I know for a fact once a collection agency paid off debt to original creditors their is no debt owed. Please send me a contract where I signed to Commonwealth Financial I have asked for your company to validate this contract nothing hasn't happened.Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX  to have my health records to be release to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you. 
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe Commonwealth. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt to Commonwealth. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to be reported on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following. 
*Violation of the Fair Debt Collection Practices Act *Defamation of Character I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. My last letter was sent XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Dear. 

My name is XXXX XXXX XXXX. My social number is XXXX. 
I am writing to you because these incorrect accounts are on my credit report. 
these accounts : XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$2200.00} XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$1400.00} These are not my accounts. I don't know about. 
I sent a remove letter couple of times, but it has not been removed yet and I have not been contacted, so I am sending a letter like this again. 
Please remove these incorrect and wrong accounts from my credit report.
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX ( XXXX ). A consumer transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to American Credit Acceptance to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing American Credit Acceptance to pull my credit on XX/XX/XXXX, if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX  & XXXX  as of XX/XX/XXXX.
Product: Checking or savings account

See previous complaint for details on dates. As of XX/XX/2020, my capital One accounts show a close out check sent in amount of {$13000.00}. 

Previous balance was over {$30000.00} before Capital One various withdrawal transactions without details. 

If I am being issues a check, it should be for the full amount of my balance or I demand detailed accounting to why those funds were arbitrarily withdrawn from my balance. I am happy to show documentation proving sources of my deposits and origination of my funding sources. 

Additionally, I am unable to reach anyone at Capital One who can assist me in updating my mailing address for the close out check. I am continually forwarded to the fraud Deparment voicemail inbox for which I have left numerous messages over the past year. 

1. I AM CONCERNED ANY CLOSE OUT CHECK WILL BR LOST TO WRONG ADDRESS. I REQUEST TO UPDATE THIS INFORMATION IMMEDIATELY. 

2. I DEMAND A STATEMENT DETAILING YOUR INVESTIGATION OF FUNDS WITHDRAWN BY CAPITAL ONE FROM MY BALANCE WITHOUT MY KNOWLEDGE OR AUTHORIZATION. THERE ARE VARIOUS AMOUNTS RANGING IN SIZE AND FREQUENCY INTIATED BY CAPITAL ONE. 

IF CAPITAL ONE IS UNABLE TO PROVIDE LEGAL EVIDENCE AS TO WHY THESE FUNDS WERE WITHDRAWN WITHOUT MY AUTHORIZATION THEN I DEMAND THEY BE INCLUDED IN MY CLOSE OUT CHRCK BALANCE. I HAVE CONTACTED MY ATTORNEY REGARDING THIS MATTER AND WOULD PREFER TO NOT FILE A CIVIL DISPUTE IN COURT FOR DAMAGES. 

Thank you XXXX XXXX XXXX Please have someone from correct department contact me directly.
Product: Debt collection

I am writing to file a formal complaint against Jefferson Capital System regarding their handling of a purported debt on my credit report. I have recently discovered an entry on my credit report from your agency, which alleges that I owe a debt of {$630.00}. However, I have not received any prior notification regarding this debt, nor have I been given an opportunity to address the account before it was reported to the credit bureaus.

According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with written notice of a debt within five days of initial contact. This notice should include information about the debt, including the name of the creditor, the amount owed, and the consumer 's rights to dispute the debt. However, I have not received any such notification from your agency. 

Furthermore, I assert that I have not been given a fair opportunity to address the account before it was reported to the credit bureaus. As a consumer, I have the right to verify the accuracy of any debt reported on my credit report and to dispute any inaccuracies. However, your agency has failed to provide me with this opportunity. 

In accordance with my rights under the FDCPA, I hereby request that you provide me with the Certified Mail Receipt containing my signature, which purportedly confirms that proper notification was sent to me. Additionally, I request that you provide me with detailed information about the alleged debt, including the name of the original creditor, the date of default, and the specific charges being claimed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has XXXX XXXX as an employer. I have NEVER worked for them. 

I work for XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX : please remove inquiry from my report. I only agreed to a silly inquiry XXXX : please remove charge off and closed from my report. It was opened fraudulent by a XXXX  without my knowledge. I have paid it in full. Same issue happened with XXXX account but is hurting my credit XXXX : please XXXX charge off and closed from my report. It was opened fraudulent by a minor without my knowledge. I have paid it in full l. Same thing happened with XXXX. Small account but hurting my credit
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX