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

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. XXXX XXXX Balance : {$620.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX  ( Original XXXX XXXX XXXX XXXXL ) XXXX Balance : {$570.00} ; XXXX XXXXXXXX Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research accounts I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Debt collection

I sent several emails to National Credit Systems on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that I paid the debt to XXXX XXXX XXXX XXXX XXXX. 

I also provided proof of payment to National Credit Systems on XX/XX/XXXX and XX/XX/XXXX via email and they still neglected to complete an investigation. Instead they willfully reported a collection fraudulently to the credit bureaus on XX/XX/XXXX which has caused monetary damages and has affected me being able to obtain a business loan. 

They sent me an email today after I threaten with legal action. Stating they are waiting to hear back from XXXX XXXX. XXXX XXXX cashed the check on XX/XX/XXXX. I have nothing to do with their business arrangement. This clearly violates the FCRA regulations. They should have taken my proof and payments information sent on XX/XX/XXXX, investigated and closed the fraudulent debt collection. Instead they willfully ruined my credit reputation and reported fraudulent that has affected me and my family business affairs and has caused me monetary damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was transferred ( or sold ) to XXXX XXXX  in XXXX of XXXX.I have made all of the required payments on time however, XXXX persists in erroneously showing that my XXXXXXXX payment was delinquent.
Product: Checking or savings account

On XXXX XX/XX/, XXXX, CT branch of JP Morgan Chase was entered and three ( 3 ) checks were deposited. Two ( 2 ) of the checks were Official Bank Checks from the XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The third check was an attorney 's escrow fund check from an unknown bank. The two ( 2 ) Official Bank Checks totaled approx. {$1.00} XXXX and the third check was for about {$110000.00}. A fairly typical real estate transaction. 

I have been advised that the Official Bank Check deposits will not clear until XXXX XX/XX/2023. That is twelve ( 12 ) days!!! The third check is scheduled to clear in five ( 5 ) days!!! The " lost '' interest on these funds exceeds {$1000.00} per week which I formally request reimbursement.The checks were made payable directly to the account owners and deposited into an account titled in the account owners names ( s ). There is absolutely NOTHING out of the ordinary with these checks. 

I have been a JP Morgan Chase depositor for in excess of fifty ( 50 ) years. Balances in excess of {$250000.00} are consistently maintained and I am a so-called " Private Client ''. 

These funds are needed and it is incomprehensible that funds are being held for almost two ( 2 ) weeks when they should have been available the next business day.
Product: Mortgage

I was approved for a modification on for my mortgage. Which means making payments on time. Within 30 day US BANK advised that they will update my credit report to reflect current. I still see late payments on my credit. I have contact them. They told me my letter came from a collection agency. I sent these letters myself and had them notarized. How can you ignore my request. I brought this property for {$200000.00} and its worth {$98000.00}. This is sad. I do not want to have bad credit also. I pay on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several years I have monitored my credit. I have paid off most debt and have NOT use for credit for any reasons items have been removed because they were my medical records inquiries have been removed because of fraud. I have gone back and forth with XXXX XXXX AND TRANSUNION with little to no help. My reports dont update accurately items are not being removed. I have told each agency those inquiries arent mine. My scores arent being scored properly I am owed at least 70 points on each report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notice that i have a medical bill on my credit report that has been affecting my credit score.I haven't gave anyone my consent to share medical information with third-party consumers.This is a violation of HIPAA and it should be removed from my XXXX, XXXX, and Experian credit reports.Its been well over 30 days since I've received any results regarding my dispute with the 3 major credit bureaus ; XXXX, XXXX, and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Experian has mishandled the personally identifiable information, including name, addresses, Social Security Number,  and more, of myself and millions of other people. According to XXXX XXXX XXXX XXXX XXXXXXXX ), this was caused because of a vulnerability in XXXX XXXX, though it 's unclear if this was caused by a vulnerability discovered in XXXX or XXXX. If this mishandling of PII was caused by a vulnerability discovered in XXXX, this data breach exhibits an extremely unacceptable level of adherence to modern security practices. If this was the result of a vulnerability found in XXXX, while Experian was using the product of a vendor, they have still a lapse in security practices by not adequately penetration testing their services or checking for data scrubbing/data injection. 

Experian has made no attempt to directly contact me, even though they have effectively disclosed information required for me to be a victim of identity fraud. Their credit monitoring service, XXXX, is only offered for a small period of time even though I 'm subject to be a victim for identity theft for as long as my name and SSN are used as identity verification methods. Additionally, this breach is reportedly months hold, having been discovered in late XXXX, meaning my PII has been publicly disclosed for months now before Experian notified anyone of the breach. Top executives at the company sold millions worth of shares days after the breach was discovered by the company ( https : XXXX ), though they claim they knew nothing of the breach, which is even more concerning ; how could the company 's top executives not know about the largest security breach of the decade? 

My propensity for being a victim of identity fraud is now permanent. I would like to see Experian offer free credit freezing without a police report and free credit monitoring for the rest of my life. I would like to see Experian actively test their systems in the future for vulnerabilities, and notify consumers directly when they could be potentially impacted.
Product: Debt collection

On XX/XX/XXXX, a Utah collection agency, Mountain Run Solutions , LLC, reported a collection account they claim to have acquired from an original creditor XXXX XXXX We never received any written correspondence in the mail regarding this alleged debt and we were not given the opportunity to dispute the alleged debt. We discovered the reporting on XX/XX/XXXX when we received an alert from our credit monitoring app. On XX/XX/XXXX, I received a text message from Mountain Run Solutions , LLC stating they have purchased the account from XXXX XXXX and demanding that I sent them {$800.00} to settle the account by XX/XX/XXXX to have the reporting removed from our credit files. 

I wrote the credit bureaus to dispute the reporting and each credit bureau wrote back claiming to have verified the account. I knew it had to be impossible because there was no such account. 

I then wrote a letter to Mountain Run Solutions , LLC explaining that we had no knowledge of such an account and requesting for them to provide me with documents to verify the alleged debt. I received an email on XXXX XXXX from an XXXX XXXX at MRS with documents attached. One of the documents was a service agreement. A few things immediately stood out on this service agreement : 1. The signatures on the service agreement for my husband and I were forged. The handwriting is obviously not ours. My husbands name is misspelled, and I was given the middle initial XXXX which I never had. 

2. The company name on the agreement was XXXX XXXX XXXX XXXX not XXXX XXXX 

3. The contract was dated XX/XX/XXXX which puts this action outside of the three year statute of limitation for debt collection in North Carolina. 

After reviewing the F rating and several of the over 400 complaints received at the XXXX XXXX XXXX on Mountain Run Solutions , LLC regarding the same type of fraudulent collection activities, I am appalled that this agency is still allowed to operate in the state of Utah. This company is practicing deceptive and unfair trade practices, forgery, and wire fraud. 

Personally, because of this fraud our credit scores have decreased by 30 points, we have suffered character defamation and we have been turned down for financing due to having a recent collection account added it to our credit files. 

I have attached the following to this complaint : Exhibit A ( 1 ) & ( 2 ) - Text message I received from Mountain Run Solutions , LLC Exhibit B- Letter I wrote to MRS requesting documents to validate the alleged debt Exhibit C- Forged Service Contract dated XX/XX/XXXX Exhibit D- Letter supposedly from XXXX  Exhibit E- a Demand Letter for the alleged debt Exhibit F- Fake Account Statement
Product: Mortgage

We have had a high interest mortgage for almost 5 years now through shell point mortgage and they use a third-party to collect payments. I pay half of the mortgage every two weeks from our personal checking and for the past XXXX XXXX XXXX Ive had to call them every few months and ask them to apply my payments correctly. Last year they had to reverse {$11000.00} in miss applied payments now when I call they say I am not making my minimum payment which is incorrect. They are charging me almost {$900.00} in late fees every month and I can not get anyone to help me reverse the payments. They also tell me its my fault because I go through my bank instead of through the third-party for my biweekly payments, there is record of me calling every few months, and yet I can not get help. Ive even asked for the third party information so I can make payments through them, but have not yet received anything. I believe this is more than poor customer service. This is an opportunity for them to scam us. In the past Ive paid {$1800.00} biweekly which they have misapplied but have been able to reverse now when I call they say Im not making my minimum payment and if I up my payment then it will automatically go towards my payment so I upped it to {$1900.00} And it is still not being applied correctly. By miss applied what I mean is rather than applying my payment towards my monthly payment they are applying my payment towards the principal, and again saying its my fault because I make a biweekly payment. There are more weeks in a year than there are payments, so if they are applying things correctly first and then applying overage to the principal, then I would be current in my monthly payment. I am beyond frustrated. I shouldnt have to be penalized because they use a third party who cant apply my payments right.
Product: Debt collection

THIS INFORMATION IS INCORRECT IN MORE THAN ONE WAY. 

TO START NONE OF THE personal information listed regarding this credit card account are valid ; such as My suposed account number, address, phone number, email, Social Security number. 
I AM NOT RESPONSIBLE OF THIS, NOR AM I THE ACCOUNT HOLDER. 
This card was opened with My first and last name and date of birth AND THAT WAS ALL THE INFORMATION THAT MATCHES THIS-HOW IS THIS EVEN POSSIBLE TO HAVE GOTTEN THIS FAR AND STILL FOLLOWING ME!? 

I HAVE REACHED OUT TO THE ORIGINAL CREDIT CARD COMPANY A FEW TIMES OVER THE LAST 6MONTHS TO KEEP THEM UP TO DATE ON EVERYTHING ON MY END AND APPARENTLY NOTHING AT ALL HAS BEEN DONE. 

I DONT KNOW EXACTLY WHAT/HOW THIS HAPPENED, IF IT WAS DONE BY A PERSON I KNOW, KNOWINGLY USING PART OF MY INFORMATION OR IF THIS WAS COMPLETE ERROR ON SOMEONES FAULT BUT I AM STILL NOT TAKING RESPONSIBILITY FOR SUCH AN INCORRECT SITUATION. 

NOW I HAVE DEBT COLLECTORS EMIAILING ME, CONTACTING ME AND ACCUSING ME OF THIS DEBT THAT HAS NOW BECOME A COLLECTION ACCOUNT AND SOLD TO A NEW COMPANY. 

THE MOST UPESTTING TO ME IS THAT NOW ACCORDING TO THE CREDIT REPORTING AGENCIES, M YCORRECT PERSONAL INFO HAS BEEN BASICALLY ADDED TO/ WITH THIS OTHER " XXXX XXXX XXXX ACCOUNT AND MY PUBLIC INFO IS NOW MIXED INTO THIS WHOLE MESS EVEM MORE THAN BEFORE BC NOW WHEN SOMEONE PULLS THIS ACCOUNT/REPORT, ALL THE INFORMATION SUBMITTED-BOTH BY THE APPLICANT, AND NOW BY WHOEVER HAS ADDED TO THESE CREDIT REPORT ACOUNTS ON THE ADMIN SIDE-WHICH HAS ONLY MADE THINGS WORSE AND MORE CONFUSING TO ANY THIRD PARTIES GETTING INVOLVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute inaccurate items on my credit and got no response, it is frustrating and I have a letter of explanation attached
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payment on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. This is unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below is a list of the disputed account. 
XXXX XXXX XXXX XXXX : {$28000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I tried at least 5-10 times to resolve this problem and explained everything to the XXXX XXXX XXXX XXXX at different different times. but they never helped me. The last date I tried with credit bureaus is XX/XX/XXXX, XXXX but they still not helping me. 



XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX CARD Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got the possible loan in XXXX, My 4th payment was suppose to be for my first, Im not sure why it got flipped, I mean it clearly should have paid the first payment first. Then there wouldnt be a late payment at all based on the terms and conditions and I was unable to individually make the payment as they were past due but before the 29 days grace period via terms and conditions so when the transactions went through they were random but I dont believe this is lawfully acceptable based on the cfpb to report a negative impact due to faulty system random selective payment processing. The first payment would fail even when I had sufficient funds in my account and then it went through and paid the last one. Please explain how Im at fault for your systems randomized ach transactions. With further assistance I have submitted a complaint to the cfpb based on your finding and I uphold my right to any unlawful actions taking on my credit report. All my payments were in good standing via possibles terms and conditions somehow my payments got switched my first and last and now my first payments reports on my credit report as late even when I had sufficient funds in my account. UNFAIR. Even when trying to reschedule it would reschedule not within the loan agreement and I was unable to do anything.
Product: Credit card

I signed up for CareCredit to cover emergency dental expenses that I couldnt afford out of pocket. The dental office recommended it as a fast option, explaining that I would have 24 months to pay off the charges with no interest as long as I made monthly payments. I was told I could set up autopay for the minimum amount, and the balance would be paid off within the given timeframe. I was provided only a sticky note with my account number and was never given a copy of any agreement or terms to review. 

I set up autopay and initially paid $ XXXX/month. In XX/XX/2024, I increased my payments to $ XXXX/month to pay off the balance faster and have consistently paid this amount on time. However, I recently noticed that my balance had significantly increased. On XX/XX/2024, I was charged {$990.00} in interest without any prior notification or explanation. 

When I contacted CareCredit, I spoke with three different representatives, all of whom were rude and dismissive. They repeatedly told me there was nothing they could do and that I should have read the fine print in the agreementan agreement I was never provided. Additionally, the CareCredit website does not allow me to view transactions or payment history prior to XX/XX/2024, making it impossible for me to verify the accounts timeline, prior activity, or terms. 

I was completely unaware that interest could be applied in this way, especially since I have been making consistent payments above the minimum. If I had been informed that this charge would be applied, I would have immediately paid off the balance to avoid such excessive fees. This feels predatory, as it targets individuals already struggling financially to cover necessary medical expenses. 

Key concerns : 1. **Lack of transparency : ** I was not notified of the {$990.00} interest charge in advance, despite my understanding that the law requires a 45-day notification for account changes or significant fees. 
2. **Limited access to account history : ** The inability to view transaction details prior to XX/XX/2024 prevents me from verifying payments and understanding the timeline of my account activity. 
3. **Unhelpful customer service : ** CareCredit representatives were dismissive and unhelpful, repeatedly suggesting I should have read an agreement I was never provided. 

This charge is unfair and misleading. It seems designed to take advantage of people in vulnerable situations, such as those seeking emergency medical treatment. Companies like this rely on customers setting up autopay and forgetting about the details, only to later impose unreasonable fees when its too late to act. 

I request that CareCredit reverse the {$990.00} interest charge and provide full transparency into my account history and the original terms of the agreement. I also hope that this complaint helps raise awareness of these predatory practices so others can make informed decisions before signing up for similar programs. Thank you for investigating this matter.
Product: Debt collection

This community send me a threatening later that they will contact the nearest lawyer if I dont pay my debt. They call me everyday and mail to pay my debt. I paid my debt the best of my ability and I notice that they put the item on my collection if my credit report. 

First they threatened to call lawyer and they damage my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed countless disputes into erroneous credit inquiries into my credit report thru Equifax. They sent me a blanketed letter on XX/XX/2021 stating that they verified 11 of the inquiries. But how did they do that when I have not received any proof that these inquiries are mine which they are legally supposed to supply. They have by law 30 days to verify this info or it must be deleted. They have not verified this info as they are also not allowed to use their E-Oscar system to verify things as they must verify info thru the original creditor to accurately verify info which they have not done so. I have received zero documents in the mail verifying these inquiries. They do not get longer than 30 days to verify info. Not 45 days. Not 60 days. Only 30 days. They are illegally reporting erroneous and unverifiable info on my credit reports still. I will be seeking legal council and taking this to court if they do not remove these illegal unverifiable injuries from my report as this is now defamation.
Product: Credit card or prepaid card

I received an email on XX/XX/XXXX stating that my account for Destiny XXXX has been registered. I never received a credit card nor opened an account with them. I called the company within XXXX minutes of receiving that email on XX/XX/XXXX, I spoke to a fraud department representative who I asked to close the account. She had asked me to follow up with the Federal Trade Comission. There is a XXXX dollar annual fee due. I did not open this card.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. This has cause me great anxiety, stress, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX, XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$2500.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX