23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a formal complaint regarding Credit Collections ' failure to respond to my validation request concerning an alleged debt reported on my credit reports. In XX/XX/2024, I reached out to Credit Collections to validate the debt they are reporting on my credit reports. Despite multiple attempts to communicate with them, I have not received any response. This lack of communication has caused me significant frustration and has resulted in multiple credit denials, impacting my financial well-being. 
It is deeply concerning to me that my request appears to have fallen on deaf ears. As a consumer, I have the right to dispute inaccurate information on my credit reports and to receive a timely response from debt collectors. However, Credit Collections ' failure to acknowledge or address my dispute request represents a clear violation of my consumer rights. I urge you to investigate this matter promptly and take appropriate action to ensure that Credit Collections complies with the laws and regulations governing debt collection practices. Your intervention is crucial in resolving this issue and protecting the rights of consumers like myself. Thank you for your attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance Owed : {$30000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX a notice from a leasing consultant at XXXX XXXX XXXX XXXX a potential apartment location. It stated that they could not access my Equifax credit file due to a block through XXXX XXXXXXXX XXXX 
XXXX XXXX to create an Equifax account on the website was given the error code NH and was instructed to call the customer care number. After speaking to a representative, she told me to mail in documents to verify my identity ( i.e. driver 's license and SSN card ) because she was unable to find my credit file based on the information given. The possible issue could be a merged file or a thin credit file, in which I had no credit history for that bureau. However, I have had 2 credit cards and student loans for the past two years. She said it would take 5 business days for them to process the information/ request. One representative instructed me to call my credit card lender to send an off-cycle report to all 3 bureaus to find discrepancies in my credit file. 
XXXXXXXX XXXX-Mailed my documents with USPS Priority Mail Express . 
XXXX XXXX-Documents have been delivered to the mailing facility waiting for pick-up. 
XXXX XXXX-Documents were picked up. 
XXXX XXXXattempted to call Equifax again and was told the information was either not received or not processed. ( Called a few days earlier and an Equifax representative stated that if my file is not real then they could generate one based on my information. )
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my file. this has been my 2nd attempt to clear all listed items. none of the information is correct on all 3 credit reports. please review an remove the illegal items listed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Fraudulent Bank of America charges requested removal as authorized user Unaware of card in my name XXXX Alert : Personal Information distributed dark web Communication with Impersonating representative, stated I would be removed Unable to contact Bank of America No access to account or card Removal, please Possible mail theft of Identity Theft report/attached
Product: Debt collection

The consumer Portfolio Recovery on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX in the amount of {$420.00} stated that the company received an electronic file of its business records concerning an allege account owed to them. I formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount. I also informed the company that per FTC opinion letter from Attorney XXXX XXXX XXXX, that they should be aware that a printout of a bill or itemized document does not constitute verification. 
To this date the company has refused to provide the requested information. They stated that their office considers this matter closed per dispute pursuant to 15 U.S.C. Section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( ll ) of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I respectfully request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX/TransUnion credit reporting agency block all accounts , collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within four ( 4 ) business days of receiving this complaint. 

I kindly ask that all written confirmation regarding this matter be sent to me via email at XXXX. 

Thank you for your prompt attention to this request.
Product: Credit reporting or other personal consumer reports

I made many submissions to experian to remove medicals debts that are not supposed to be listed on my credit/consumer report. I could never get them to proceed in removing those items. It caused me a great deal of pain financially.
Product: Credit reporting or other personal consumer reports

Transunion will not provide my credit report or score without requesting payment for membership.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$270.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX : {$5100.0XXXX XXXX XXXX : $ XXXX XXXX : {$4600.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding a fraudulent XXXX XXXX XXXX account that is currently being reported on my credit file. I discovered this account on XX/XX/XXXX and have since confirmed that it was opened without my knowledge or authorization. I currently do not have any auto loans or leases, as I own a fully paid-for 2013 XXXX XXXX XXXX purchased in cash. This fraudulent account is significantly impacting my XXXX XXXX and financial stability, making it difficult for me to secure credit and other financial opportunities. 

Section 605B ( 15 U.S.C. 1681c-2 ) : Allows identity theft victims to request the blocking of information resulting from identity theft.

Section 623 ( 15 U.S.C. 1681s-2 ) : Obligates data furnishers to report accurate information. 

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. 
XXXX XXXX XXXX : # XXXX On XX/XX/XXXX, I reviewed my Transunion file. 
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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. 


XXXX XXXX XXXX Original creditor XXXX Balance {$2200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Balance {$530.00} XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
Balance {$1300.00}
Product: Mortgage

Contacted Mr. Cooper on XX/XX/23 to have my loan put on a 6 month forbearance due to losing my job. Everything was set up via phone call and I was told the forbearance would start as of my XX/XX/XXXX payment. I just received a bill today showing a past due amount and late fee for the XXXX payment. I called Mr. Cooper and they are saying they have no notes saying the loan was ever put on forbearance and that I need to bring the account current. When I asked to speak with a Manager I was put on hold for 10 minutes and then hung up on. All they have to do is pull the call from XX/XX/23 but I don't think they want to.This seems like a total scam to be able to collect fees and foreclose on the properties. This is also now showing on my credit report as a late payment. I need someone to step in and hold this servicer accountable. This company makes money hand over fist buying servicing from reputable mortgage companies and us consumers are stuck having to deal with their predatory practices. PLEASE HELP
Product: Credit card

1. I've been trying to close the card for over a month, but they refuse to close it. I did this via phone first. Later found it was still open, so I submitted a request online to close it.

They responded with other info and said they wouldn't close it unless I confirmed. I sent another message to confirm, then they sent another message asking if I wanted to close it, ....

2. I've been trying to close it because I never received the miles I was promised when I signed up for the card. They claim they put the miles into another account, and I've spent hours trying to get them into my account and finally given up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, my rights have been violated. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenaci ; ous rebelliousness. XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/2020 XXXXXXXX XXXXXXXXXXXX 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

Experian has failed to send dispute results and is reporting the following items inaccurately ( see below ). This violates the FCRA. 

Additionally, rather than actually investigating items Experian has systematically and maliciously changed items on my credit report to cause my score to worsen. 

ACCOUNTS DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX  XXXX not mine XXXX XXXX XXXX XXXX {$400.00} not mine
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Product: Debt collection

Credit Collection Services has placed a collection on my credit profile claiming that I owe {$600.00} to XXXX. I researched XXXX and they appear to be an insurance company. I have never used that company for insurance. I have reached out to Credit Collection Services 3 times about the issue and they have yet to resolve it. They bought a debt for pennies on the dollar and are trying to make a profit. This company is horrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately 1. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Checking or savings account

For the past several weeks I have made repeated applications to my bank, US Bank, for the special SBA pandemic relief loan so that I can maintain my employees. We are a small XXXX XXXX XXXX  firm with six employees. We have had the same bank account for more than 30 years, for many years owned by US Bank. I am in daily contact with my local US branch banker, who is trying to help. The bank says they have received each of my applications, but keep asking me to reapply because they are either having a problem responding or believe they have responded but can not find the messages and application numbers they say they have sent us by e-mail. We have continually searched in all e-mail folders and have checked with our e-mail host, but none of the loan-related e-mails or contacts from US Bank have ever arrived, even at our e-mail host prior to all filters. Meanwhile, we continue to receive all other e-mail from US Bank about our account and from our US Bank contacts who are corresponding with us trying to get access to the central US Bank application process. The US Bank delays made us miss the first round of SBA funding. They are continuing to delay our application and although they say they have received each of our applications, they say they can not find record numbers or messages they have sent with next steps, and then ask us to reapply again and again. We fear we will miss the funding again. Meanwhile we are struggling to meet payroll and spending a lot of time communicating with US Bank and applying and reapplying through a cumbersome process multiple times. Is it possible for your office to see if US Bank is treating small businesses fairly and help make sure that small XXXX XXXX businesses receive the same opportunities as larger firms? Any help your agency can give us to help get US bank organized and working effectively will be much appreciated during this difficult time. Thank you.
Product: Checking or savings account

I opened a Goldman Sachs savings account through XXXX XXXX, and funded it with {$250000.00}. Yesterday ( XX/XX/2023 ) my account was frozen with no explanation given -- I tried using chat support but they indicated they had no idea why my account was locked, and I have spent 4+ hours on hold trying unsuccessfully to reach someone over the phone. I suspect this may be an erroneous fraud alert as I tried to use this account to pay one of my credit cards. My funds are being held hostage for absolutely no reason and with no recourse. Please help. Thank you.
Product: Credit reporting

XXXX, IL XXXX REPORTED XXXX ( XXXX ) DELINQUENT ACCOUNTS AS A WAGE EARNER PLAN STATUS ON XXXX/XXXX/XXXX ; BOTH OF WHICH ARE THE SAME ACCOUNT. THEY HAVE THE SAME ACCOUNT NUMBER AND CREDIT HISTORY DATA. THE PERSONAL UNSECURED LOAN WAS OPENED ON XXXX/XXXX/XXXX AND CLOSED ON XXXX/XXXX/XXXX AS A CHAPTER XXXX BANKRUPTCY. I CONTACTED THE CORPORATE OFFICE ON XXXX/XXXX/XXXX, HOWEVER THE REPRESENTATIVE STATED SHE COULD NOT PROVIDE ASSISTANCE AND TRANSFERRED THE CALL TO A LOCAL NORMAL, IL BRANCH. I SPOKE WITH THE BRANCH MANAGER ( XXXX ), WHO STATED HE DOES NOT KNOW WHY HEIGHTS REPORTED THE ACCOUNT SINCE THEY HAVE COURT NOTICE THAT THE ACCOUNT WAS INCLUDED IN A CHAPTER XXXX DISCHARGED BANKRUPTCY. THE ACCOUNT WAS INITIALLY CODED AS A CHAPTER XXXX WAGE EARNER PLAN, BUT IT WAS LATER AMENDED TO A CHAPTER XXXX BANKRUPTCY, WHICH THE COMPANY RECEIVED OFFICIAL NOTICE IN XXXX. A REVIEW OF MY CREDIT REPORT SHOWS THAT HEIGHTS FINANCAL SERVICES PREVIOUSLY REPORTED THIS ACCOUNT AS A CHAPTER XXXX IN XXXX, BUT AS OF XXXX, THE ACCOUNT INFORMATION WAS CHANGED TO SHOW PAYMENT STATUS AS WAGE EARNER PLAN. ALSO, THE ACCOUNT IS REPORTED AS DELINQUENT BECAUSE NO PAYMENT IS BEING RECEIVED. THERE HAS BEEN NO PAYMENTS ON THIS ACCOUNT SINCE XXXX WHEN IT WAS CONVERTED TO A CHAPTER XXXX. IT IS NOT A WAGE EARNER PAYMENT STATUS, THUS NO PAYMENT IS REQUIRED AND THERE IS NO DELINQUENCY. I HAVE ATTACHED DOCUMENTATION SUPPORTING MY CLAIM THAT XXXX XXXX SERVICES IS AWARE OF THE CHAPTER XXXX DISCHARGED BASED ON THE FACT THAT IT WAS REPORTED ON MY XXXX TRANS UNION CREDIT REPORT. IT IS UNCLEAR WHY MY ACCOUNT HAS CHANGED STATUS AFTER SIX YEARS OF ACCURATE CREDIT REPORTING. I AM INCONVENIENCED BY THIS INACCURACY. IT HAS NEGATIVELY IMPACTED MY CREDIT REPORT, AS WELL AS, MY CREDIT SCORE. I WAS DENIED A CREDIT CARD BASED ON THE INACCURACY OF XXXX XXXX SERVICES.
Product: Checking or savings account

Sometime in XXXX of XXXX  I filed a claim with the CFPB regarding a fraudulent account opened in my name with Axos Bank. The claim was closed and Axos stated that the fraudulent account was closed. I received another email from Axos dated XX/XX/2023 referencing a " deposit account '' and a loan. Again, I have never initiated contact with Axos Bank, and anyone using my information to open accounts is doing so under false pretenses. I have attached all relevant correspondence.
Product: Debt collection

The servicing companies continue to be switched without answering or validating the debts, XXXXXXXX XXXX transferred service to M & T Bank without acknowledging my concerns.