23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had XXXX  XXXX on XX/XX/XXXX and XX/XX/XXXX. At the time of the XXXX I paid my portion for each eye. The XXXX center submitted multiple claims to my insurance company which were denied or portions paid. I received a bill dated XX/XX/XXXX for {$1900.00} with no detail and the only description " XXXX XXXX Credits ''. I called the number on the statement XX/XX/XXXX and asked for the details as I had paid a total of {$2600.00} at the time of the surgeries. They said they didn't have the details and would have to request a statement to be sent to me. I did not receive the details so followed up on XX/XX/XXXX and talked to a supervisor. She said she'd ordered the detail and it would be sent to me. I still had not received the statement so called back on XX/XX/XXXX and was transferred to a XXXX. The XXXX said they had requested the detail from the " client '' and she would follow up on and call me when she received the information. On XX/XX/XXXX I had not received the detail or a return call from the XXXX so I called the billing department again. I talked to the same XXXX who said it was supposed to have been sent out but she would check on it and call me back. She called me that day and said the statement would be put in the mail that day. When I finally received the statement, it now showed I owed {$210.00}. This is due to a line item listed as " Correction - Contractual Adjustment ''. On XX/XX/XXXX I called the number provided in the cover letter for questions. The number provided was a bad number and didn't go through. I called the XXXX back I had talked to before and she said she couldn't tell me what the line item was for and I would have to call " them '' which was the XXXX center. I called the XXXX center and no one answered. In summary, I was sent a bill with no detail by a third party collection agency who could not provide any information as to what the additional charges were for. When I try to call the XXXX center to get the information, they are unavailable. This seems like deceptive trade practices as there is no transparency in their billing or collections. I also tried to search for a different contact outside of the billing department but their website and corporate information didn't provide any customer service or complaint options. I would have tried to resolve this myself first if I had had that option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX XXXX {$100.00} XXXX XXXXXXXX XXXX {$610.00} XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$670.00} XXXX  XXXX {$460.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$460.00} XXXX   XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX {$670.00} XXXX XXXX  XXXX {$1200.00} XXXX   XXXX XXXX {$670.00} XXXX XXXX {$320.00} XXXX  XXXX XXXX {$430.00} XXXX XXXX   XXXX {$36000.00} XXXX XXXX XXXX XXXX {$230.00}
Product: Credit reporting or other personal consumer reports

The account TARGET/TD XXXX was to be removed from my credit report due to incorrect reporting. Furthermore, this is not my account, I was merely an authorized user on the account. I am requesting that this account be removed from my credit report. Please advise when this change has been made.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I received a call XX/XX/2018 that I needed to pay my last due balance of {$140.00}. I told the rep I would do a transfer in cash before XXXX. He said I should pay with my checking account and I promised to make a payment. I told him last month I received a 30 day late payment and I paid XX/XX/XXXX. He said that payments need to be received by the XXXX every month. On my credit so far I am charged three late payments. Navy Federal is destroying my credit. I think they are personally attacking me due to my last complaint on this website. I am trying to repair my credit but this is the only credit card destroying my credit. I told the account representative that I almost died XX/XX/2018 when I XXXX XXXX to a XXXX XXXX at XXXX XXXX. However, the only option was deferred payment for two months or close your card out completely. I want to remain a navy Federal customer I just want them to stop reporting me late for all of these months. I have  never ever missed a payment. I have a XXXX XXXX XXXX on a XXXX XXXX. I cant even get a new car because of the status of Navy Federal. Please assist me with the {$82.00} of fees that was charged since XXXX XXXX.due to these ridiculous fees Im now over the limit. Ive brou amazing business to Navy federal. I co own a card with my mother and I pay hers completely every month. Her payment is less money and I charged XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have endeavored on several occasions to reconcile these errors to no avail. I recently obtained correspondence from XXXX XXXX that supports my claim. Transunion, XXXX and XXXX   insist on reporting these inaccurate inquiries indeed. Litigation will now surely follow, because I have proof now.
Product: Credit card

In the summer of   XXXX    one  of my friends told me about a special offer  Barclay 's Bank of Delawa re was offering to  XXXX   XXXX  military fo r its Gold Card  credit card. I contacted  Barclays to inquire about the special offer and the woman I spoke with confirmed that Barclay 's  was waving the annual fee for all  XXXX   XXXX  military who qualified for the credit card. As part of the offer  Barclay 's  was also offering 0 % interest on the balance of a card. I applied for a card for me and another for my spouse. As part of the application, I sent a copy of my most recent  XXXX  to prove my  XXXX   XXXX  status. Within a couple of weeks, I was approved.     The welcome aboard letter assured me tha t Barclay 's  would continue to wave the annual fees and maintain 0 % interest on my account balance as long as I was on  XXXX   XXXX . However, earlier this month , Barclays sent  me a letter informing me that they would no longer wave the annual fees and I would have to pay the annual fee beginning in  XXXX . I immediately called  Barclays  and after some discussion with the customer service representative, closed my account because I did not want to pay the annual fee.     In hindsight, I should have immediately filed a complaint agains t Barclay 's for breach of contract and waited for resolution before closing the account. However, by refusing to wave the annual fee,  Barclay 's altered the agreement we had when I was approved for a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is XXXX old and Experian has deducted more points on this same acct again I have repotted this was not mine and have been fighting this for along time it was on all 3 reports and Experian has yet to remove it it just on fair they keep taking points on my score for this same and only account on my credit
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XXXX XXXX saw some hard inquiries that did not have permissible purpose.I also attached evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Those inquiries has no permissible purpose to be on my report.Delete those inquiries due to violation of 15 USC 1681B.
Product: Credit reporting or other personal consumer reports

I am not liable for this collection with XXXX XXXX do not have a contract with them plus they did not provide me with the original application like I asked.
Product: Mortgage

Dietech Financial has erroneously reported my mortgage payment late for the month of XXXX when it was paid on XX/XX/XXXX. FRAUD, I have been denied credit and at this point this it the second time that they have reported information that is incorrect and I am now asking for financial restitution. 

DITECH FINANCIAL LLC Account Number XXXX Account Type Real Estate Loan Terms 336 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Late Payment Status Details Past due 30 days Status Updated XX/XX/XXXX Balance {$190000.00} Balance Updated - Credit Limit - Past Due Amount {$3900.00} High Balance - Monthly Payment {$1600.00} Balloon Payment - Contact Phone XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$200000.00} Comments - Payment History XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Regrettably, Equifax has not responded to my inquiry. I kindly request your assistance in resolving this matter in accordance with the Fair Credit Reporting Act.

Upon careful review of my credit report, I have identified several instances of inaccurate information that require immediate correction. The following are the details of the inaccurate information and the required corrections : 1. Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not sure when the account was opened but I discovered the account last year in XXXX. XXXX XXXX has a fraudulent account with my information that theyve already closed and wont remove from my credit report. Theyve already identified a different number thats reached out to them years ago but still wont do anything to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit report has inaccurate information. I was never late on this account. In the payment history section for the month of XX/XX/2023 there is an XXXX? With no payment being reported. In the payment received section it says {$0.00}?. I dont understand because I have paid this account faithfully from the open date. Both of these sections need to be updated immediately. Not only is this incorrect on XXXX, but its also on my XXXX credit file. This is not right.
Product: Credit reporting or other personal consumer reports

As I reviewed my report I seen items/ addresses that didn't belong to me as well as addresses that wasn't a deliverable address. As well as the incorrect spelling and arrangement of my full name. I have called and mailed them documents asking for these thing to be deleted and corrected. However still 3 months later no results. 
Please find the incorrect addresses below. 

XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX well as my name should reflect what is on my identification. 

Under the provisions of the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 a, it is unequivocally stated that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and a deep respect for the consumer 's right to privacy. As the consumer in question, I am asserting my right to ensure that my private information remains confidential, as reinforced by 15 USC 6801, which declares that financial institutions have a continuous obligation to respect customer privacy.

According to 15 USC 1681 section 604 a section 2, a consumer reporting agency may only furnish a consumer report under specific circumstances, one of which is in accordance with the written instructions of the consumer. 

it is imperative to note that both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, Equifax and XXXX, lack my consent and certainly do not possess my written consent to furnish this information. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 

Furthermore, as per 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party without providing the consumer with an explanation of how they can exercise the nondisclosure option. The ( Furnisher of information to credit agencies ) failed to inform me of my right to exercise this option, thereby violating the law.

The reporting of adverse information without my permission is also a breach of 15 USC 1681C ( a ) ( 5 ), which explicitly prohibits consumer reporting agencies from including adverse items of information that antedate the report by more than seven years. Equifax and XXXX are in violation of this provision. 

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A asserts that no person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Equifax XXXX and XXXX are falling short of maintaining reasonable procedures, as mandated by 15 U.S. Code 1681e, which requires consumer reporting agencies to have procedures designed to avoid violations and limit the furnishing of consumer reports to specific purposes.
Product: Credit reporting or other personal consumer reports

I sent in a dispute on XX/XX/XXXX and did not receive a response within the 30 day timeframe allotted to the credit bureaus. As a precaution, I am reaching out to the CFPB because the credit bureau has violated 15 USC 1681i ( a ) ( 1 ) ( c ). During the 30 day period no response was given which would result in a default response of making the account unverifiable. In that case, the account must not be accurately reporting if they are unable to supply proper documentation that suggests the accounts aforementioned are reporting inaccurately and werent able to be verified. This would result to a violation of the fair credit reporting act. Please see the attached document in order to address concerns. 

I have outlined the disputed accounts in my previous correspondence with TransUnion : XXXX ( Original XXXX XXXX XXXX  ) : Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX  : Account number : XXXX XXXX : Account number XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX XXXX  XXXX : Account number : XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX Account number : XXXX XXXX | XX/XX/XXXX : Inquiry XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) : Account number XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX OFFERED A SALES CONTRACT TO ME WHICH LATER FAILED WITH XXXX XXXX XXXX. IMMEDIATELY REALIZED I DID NOT NEED THE XXXX XXXX XXXX AFTER OBTAINING THE SALES AGREEMENT. THE DEALER IMMEDIATELY REFUNDED XXXX XXXX XXXX XXXX AND PAID OFF THE CONTRACT. XXXX XXXX XXXX XXXX REPORTED PAYMENTS LATE WHEN THEY WERE NOTIFIED OF REFUNDED WAS TO BE GIVEN BY XXXX XXXX XXXX WHO LATER PAID THEM.
Product: Mortgage

Back in 2006 I purchased a home for {$150000.00}. XXXX lending was suppose to close me and could not at closing because my credit score dropped. I was in a panic because I gave up my apartment and have XXXX children so XXXX Mortgage which was the title company that was there for closing said they could close me. I got hit with a {$560.00} a month PMI leaving my mortgage payment to be approx. {$1900.00} a month on an income of only {$30000.00} a year. XXXX then purchased the account from XXXX and I paid on time for a year and a half and had the PMI dropped. At that point I was so far behind because of the struggle with the high mortgage payment that I applied for a Mortgage Modification. In the interim XXXX gave me a payment to pay of {$820.00} a month which included principal, escrow and a reduced interest rate. I paid this on time for close to 2 years and then my modification went through. The problem though was that they gave me a term that I had no choice to take because I could not sell the house due to property values going down below what I owed. They added {$31000.00} to the back of my loan for capitalized fees and interest. They then sold the mortgage to Nationstar. At this point I still owe the same amount that I owed when purchasing the property {$150000.00} even though the property is only worth {$110000.00}. Please assist if you can with having this {$31000.00} removed or reduced due to the beginning of the mortgage being a predatory lending case. Sincerely. XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Have many unauthorized inquiries. I never consented for my credit to be pulled
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my gratitude for your prompt action in deleting certain fraudulent accounts from my credit report. However, I am also writing with deep frustration and disappointment regarding the unresolved issues that persist on my credit report, which continue to have a negative impact on my financial life. 
However, my frustration arises from the fact that despite the removal of some fraudulent accounts, several others remain on my credit report, despite my repeated attempts to dispute them. These remaining fraudulent accounts continue to damage my creditworthiness and hinder my financial opportunities. It is disheartening to see that these discrepancies persist, even after providing clear evidence of their fraudulent nature. 
XXXX XXXX As a responsible consumer, I have diligently reported all unauthorized activities and provided all necessary documentation to support my claims.
Product: Debt collection

Phone calls from private numbers/voice messages : XX/XX/XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

They mailed a letter to an address that is not mine. This is a copy of the text message received XX/XX/2025 " You will be receiving text messages from Valor Intelligent Processing. Valor is a debt collector acting on behalf of XXXX XXXX XXXX XXXX. The debt validation notice for your account is attached to this message. The number of messages you will receive will vary by account. Message and Data Rates May Apply. Questions? Call XXXX. For more information or to make a payment visit https : //payvalor.com/? i=B9NEI To opt out reply STOP. This communication is from a debt collector ". 

XXXX XXXX XXXX XXXX XXXX XXXX has confirmed a billing error, but they could not contact them to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with EXPERIAN & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to OPEN/never late. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617.. 


XXXX XXXX XXXX
Product: Debt collection

Grant and Weber continually adds to the balance of this account each and every month. The original balance was {$390.00} and now is over {$520.00} on my XXXX, XXXX and XXXX credit reports. 

Per 15 U.S. Code 1692e ( 2 ), Grant and Weber can not claim an amount more than actually owed ( allegedly due to interest, late charges or other fees, that are not authorized ).

This is a medical bill and no contract was ever signed to charge any additional amounts. I do not have any signed or verbal contract either with the doctor or Grant and Weber. They are clearly breaking the law.
Product: Credit reporting or other personal consumer reports

There is Someone elses name on my Credit Report. That persons name is XXXX XXXX XXXX. Confirmation # XXXX I dont know who this person is or how his name is on my credit report. I want my credit file Deleted because of identity theft. Thanks XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Account Reporting TransUnion XXXX XXXX I am writing to formally dispute the reporting of an account on my credit report that I believe is inaccurate. The account in question is XXXX, XXXX, XXXX, and XXXX... which has been reported as written off. 

While I acknowledge that this account was written off, I did not receive a Form 1099-C, Cancellation of Debt, which would indicate that the debt has been canceled and reported to the IRS. According to IRS guidelines, a 1099-C should be issued for canceled debts. The absence of this form suggests that the debt may not have been officially canceled, or that proper procedures were not followed by the creditor.

I request that you investigate this matter and verify the accuracy of the reporting for this account. If the reporting creditor is unable to provide documented evidence of the cancellation or a valid 1099-C form, I ask that you remove this account from my credit report. 

I appreciate your prompt attention to this matter and look forward to your response. Please feel free to contact me at [ XXXX or XXXX should you need any further information to assist with this dispute. 

Thank you for your time and assistance. 

Sincerely,
Product: Credit card or prepaid card

I have an XXXX XXXX  XXXX. I accepted the offer for this card in XX/XX/XXXX. It had an introductory interest rate of 0 % for 12 billing cycles. This was for both purchases AND balance transfers. 

On the first two statements I saw that they charged me interest on the balance transfer that I made from another card. Today ( XX/XX/XXXX ) I called to dispute this and was told that the interest rate was 24.49 % for balance transfers ( and 0 % for purchases ). I explained that the offer had been for 0 % interest rate on balance transfers. I explained that I had the 'Accounts Summary Table ' in front of me, which came with the card that confirms 0 % interest on balance transfers ( for 12 months ). A copy of this is being uploaded with this complaint. The associate I talked ( very politely ) to seemed not to believe me when I said I had that confirmation. She said that she could do nothing about this because I had accepted a card with 24.49 % interest on balance transfers. I reiterated that I had not accepted that and that I had confirmation of the 0 % offer. 

The amounts of interest that they have charged so far are {$68.00} on XX/XX/XXXX, and {$65.00} on XX/XX/XXXX. I expect that I will get a interest charge on XX/XX/XXXX too if this is not sorted out. 

Thank you.