23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There is nearly {$9000.00} in medical debt from XXXX XXXX hospital collected against me. When I call the hospital they have no records that show I owe anything. I have tried disputing these and they continue to keep these wrong collections up. They dont respond or show me any evidence as to why they wont remove them. 

On XX/XX/XXXX centron services opened an account of {$86.00} on me and I didnt even live in the state at this time. 

XX/XX/XXXX centron services opened {$110.00} on me. Again I didnt live in the state during XXXX. 

On XX/XX/XXXX centron services inc opened {$190.00} falsely on my report. 

XX/XX/XXXX centron services inc opened {$360.00} on me and this is incorrect. 

XX/XX/XXXX centron services added {$640.00} to my credit and this is false information. 

XX/XX/XXXX centron services opened {$740.00} to my account. This is not correct. 

XX/XX/XXXX centron services opened {$1500.00} to my account. This is incorrect. 

Lastly, Im on XX/XX/XXXX centron services opened another account of {$3600.00} to my credit report. This is incorrect and I dont know where this high balance came from. 

They are illegally holding information from me and not telling me why they arent removing these marks that are false and have impacted my credit horribly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid ; however, tradeline have n't been removed by Midland Credit Mgmt Inc and XXXX XXXX XXXX according to our agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts have violated my rights. 
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 a 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: Debt collection

I began receiving letters regarding an old debt from nearly 20 years ago that I was certain I had paid. We had a flood, and I had no documentation to prove it, so when I got the phone calls, I told the agent that I would look into it before paying. He said, " Well, go ahead and pay now and if you find that you already paid, we will refund your money. '' I told him no, but that I would look into it. It was for a XXXX bill of XXXX. I called XXXX today ( XXXX ). They said I do not owe them the bill. They also would not have allowed me to start my cellular service with them in XXXX had I had a past due amount with them. They ran a credit check on me in XXXX. Today they checked again using my social security number and maiden name and have no record of me owing them at this time. I was sure I had paid it, and settled for around 400 when I did. I called Dynamic Recovery Solutions today, spoke to a supervisor and told her what happened, that her employee tried to have me pay before checking things out, and that the bill is not even legitimate. She said I needed to dispute it. I told her that they did n't get my information from XXXX, and I contacted them directly, and that I am not engaging in this. Especially with a company that may not even be legitimate, and trying to get people to pay when they should n't. She also told me they fired that employee, XXXX, which was a lie, because he called me today at XXXX from the number XXXX and left me a voicemail stating that we had spoken before and that I need to call him back as fast as humanly possible.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate, or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, which Experian neither corrected nor removed dispute items despite the evidence I provided, causing ongoing harm to my credit standing in regards to XXXXXXXX XXXX XXXX  I requested a hardship plan with XXXXXXXX XXXX in XXXX for XXXX and XXXX. It was reported late payment in XXXX, which is inaccurate. When disputed, incorrect information recently was changed to XX/XX/year>. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer
Product: Credit reporting

I am filing this complaint Equifax has refused to provide me with documents regarding XXXX bankruptcy public records on my credit report. I am a victim of identity theft and have never filed bankruptcy. I also reached out to the court and was advised that the XXXX XXXX Court does not report information to any credit reporting agency, and does not have any information on file. This matter has now gone past 30 days unverified under section 611 ( 5 ) A ) of the FCRA, please have equifax delete this information, please assist with resolving this matter asap. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  TX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance : {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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 or other personal consumer reports

In accordance with the fair credit reporting act U.S. Bank has violated my rights. 

15 U.S. Code 1681 section 602A States I have the right to privacy.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was not given the opportunity before reporting to not have the information disclosed to XXXX and was not given an explanation of how I can exercise the non disclosure option.
Product: Debt collection

A company called XXXX Outsourcing is claiming I owe money and texts me repeatedly about it. They may be calling as well, but I have unknown numbers silenced. My credit report shows no debts in collections and my only debt is a low balance on my credit card that I pay off monthly. Here is the text ( I changed a letter in the link in case its a phishing attempt so that people dont click it ) : If your JEFFERSON CAPITAL SYSTEMS LLC account is returned to our client we may not be able to renew these offers. Save up to {$710.00} in up to XXXX payments when you visit https XXXX XXXX or call XXXX. This text is from XXXX XXXX, a debt collector The law limits how long you can be sued on a debt. Because of the age of your debt, JEFFERSON CAPITAL SYSTEMS LLC will not sue you for it. If you do not pay the debt, JEFFERSON CAPITAL SYSTEMS LLC may [ continue to ] report it to the credit reporting agencies as unpaid for as long as the law permits this reporting. Reply stop to opt-out
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX XXXX XXXX XXXX & XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX On behalf of XXXX XXXX XXXX for Insurance underwriting On behalf of XXXX XXXX XXXX XXXX for Insurance underwriting XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX, XXXX  NJ XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX ( XXXX ) XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX 
Inquired on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX ) XXXX in accordance with the Fair Credit Reporting act all these companies 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 a account without my written instructions
Product: Debt collection

This company called multiple times daily. They talked about my debt with who ever answered the phone. They tried to make me give them post dated checks.i were rude to my girl friend. They forced me into filing bankruptcy to stop the calls
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX  I was applying for a credit card and the ad for cashnet came up and the three bulletins about them company on the website said, Only pay back what you owe, Same day deposit, and contact. I NEVER seen interest or fees or anything until I seen my statement. They said it was in my agreement form that was sent to me after I was approved and signed. AFTER, the form I recieved said nothing about my form being sent to me, it was strictly a congratulation letter. At the very bottom is a pdf of the form. The form is not what I signed, nor does the signature box look the same except my info. I have great credit and always pay my things on time. Many reviews show this happened to others as well. I also receive my first statement to see im paying biweekly. I wasnt told my paydays were being requested for that reason. I also was never informed of the {$180.00} fee. The advertising is false/not accurate. It truly turned around and put me in a bigger bind. A {$1200.00} line of credit turned into {$4000.00} repayment. My pay off date has changed and I havent even paid a dime. My payments are also changing since the last time I checked the account.
Product: Checking or savings account

Applied  XXXX .   Opened  XXXX .   Got all paperwork  XXXX .   {$500.00} ACH from  XXXX  posted to WF XXXX   XXXX / XXXX / 17  no bonus triggered.   {$1.00} x  XXXX   XXXX  reload  (   XXXX / XXXX / 17  and  XXXX / XXXX /   17 )  posted  XXXX / XXXX / 17  no bonus triggered.   No bonus as of writing (  XXXX / XXXX / 17  ).   {$500.00} ACH from  XXXX  posted to  XXXX   XXXX / XXXX  /17  no bonus triggered.   Secured Message from Wells Fargo  XXXX / XXXX / 17  :  WF  XXXX  told me The {$250.00} credit will post after  XXXX / XXXX / 2017 .   No bonus as of writing (  XXXX / XXXX /   17 ).
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

On XX/XX/2021 I sent ( Transunion, XXXX XXXX XXXX ) a letter disputing inaccuracies and unlawful practices concerning my credit report. According to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I am a victim of covid 19 and by LAW they should have never put them on my report.

In addition another unlawful act by ( Transunion, Equifax, Experian ) is violation of 15 U.S. Code 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. '' These companies are also in violation of 15 U.S.C. 1692g. " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 



Because you have failed to acknowledge my disputes a lawful remedy will be had and I will be in pursuant of 15 U.S.C. 1692k for XXXX} per violation for : 1. Unverified/ Inaccurate Reported Late payments XXXX  XXXX Account Number : XXXX Violation of 15 U.S. Code 1666b Please removed inaccurate reported late payments and update to paid as agreed 2. Misleading False Reporting Unverifiable/ Inaccurate Date Opened Date Last Active Date Payment Status XXXX Account Number : XXXX Violation of 15 U.S.C. 1692g Please delete from my credit report 3. Misleading False Reporting Unverifiable/ Inaccurate Date Opened Date Last Active Date of Last Payment XXXX Account Number : XXXX Violation of 15 U.S.C. 1692g Please delete from my credit report 4. Unverified/ Inaccurate Reported Late payments XXXX  Account Number : XXXX Violation of 15 U.S. Code 1666b Please removed inaccurate reported late payments and update to paid as agreed 5. Unverified/ Inaccurate Reported Late payments XXXX Account Number XXXX XXXX Violation of 15 U.S. Code 1666b Please removed inaccurate reported late payments and update to paid as agreed 6. Misleading False Reporting Unverifiable/ Inaccurate Date Last Active Date Reported Date Opened XXXX XXXX Account Number : XXXX Violation of 15 U.S.C. 1692g Please delete from my credit report 7. Unverified/ Inaccurate Reported Late payments XXXX Account Number : XXXX Violation of 15 U.S. Code 1666b Please removed inaccurate reported late payments and update to paid as agreed
Product: Credit reporting or other personal consumer reports

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. 

List of Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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: Debt collection

CBE Group is fraudulently collecting on a debt that is not owed. I am buying a home and just found out that they are reporting inaccurate information on my credit report. I spoke with the original creditor and they stated that there is not balance and I only had to return an item which I did and it was verified. 

This needs to be removed permanently from all three of my credit reports immediately.
Product: Credit reporting

Equifax has taken almost 2 months and as you can see it is still in dispute with no date in sight to get back with me. I have been very patient for 60 days
Product: Mortgage

I am the Borrower, XXXX XXXX XXXX. I reside in XXXX XXXX, Texas. 

In XXXX of XXXX, my business and affiliate self-employed business shut down. Within a few days of this hardship event, I contacted the lender of my mortgage ( as I thought to be at the time holding my Note and Mortgage ), XXXXXXXX XXXX XXXX XXXX with Loan # XXXX ), and further advised that my income had been severely diminished ( for a short period ). XXXX XXXX XXXX XXXX   representative received my application on or about XXXX XXXX and denied my application in less than 5 days from submission. Further, this lender ( their servicer ) never EVER responded to my formal QWR certified and mailed months ago. This is a federal violation of law. As importantly, I had been requesting a modification for many months between on or about XX/XX/XXXX and XXXX of XXXX, with no response from my servicer of the lender, US Bank.

12 U.S. Code 5219a provides that a borrower such as me has remedy rights and federal and state statute proper recourse to pursue a merit/income decreased based loan modification under certain circumstances, that I qualify for, by which my servicer and lender unequivocally did not comply with federal ( RESPA, Regulation Z & X ) and state guidelines under Mortgage Foreclosure law. Further, this lender and servicer is comfortable violating federal and state laws, as they feel I have no recourse nor a credible enforcement agency to seek equity or justice, based on the XXXX Administration. I disagree. There are over 40,000 government employees committed to the injustices pressed down upon good law abiding citizens by money-funded private bankers who never seek a voice to be heard by a homeowner, such as me. 

I seek a formal complaint against XXXXXXXX XXXX XXXX XXXX and will pursue every legal remedy to obtain justice and equity and fairness.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Account ending with : XXXX Hello, I am writing to address a matter concerning a recent letter received from U.S. Bank. It states that XXXX XXXX, with whom I conducted business in the past, has filed a chargeback for a trade we completed between XXXX and XX/XX/2023. 

The payment in question was made through XXXX for specific reasons, and it is important to note that XXXX transactions are typically non-reversible. Despite this, U.S. Bank did not take the initiative to investigate the claim or make efforts to contact XXXX for further investigation. As a result, they deducted {$480.00} from my account, asserting that I should not have received this money, and subsequently closed my account on grounds of fraud. 

I possess all the necessary supporting documents for the trade carried out with XXXX XXXX. Furthermore, XXXX should be able to provide additional information such as IP addresses, phone login details, and other authentication measures that only a bank account holder would possess when making such payments. 

Despite numerous phone calls to the fraud department and several emails to my branch manager, I have had no success in resolving this matter. U.S. Bank has placed a hard hold on my account, withholding my funds and preventing me from conducting any banking activities. 

Thank you for your attention to this urgent issue. I kindly request your prompt assistance in rectifying this situation and ensuring the release of my funds. 

Sincerely, XXXX XXXX
Product: Debt collection

In XXXX of XXXX An account was opened from XXXX XXXX under my name and something was purchased the account was never paid and it went to collections. When called XXXX  they referred me to XXXXXXXX XXXX where they did a search and classified it fraud. XXXX then sold the debt to a Debt collector where they reported to XXXX and other credit bureaus of my fraudulent account being in collections when they were supposed to remove it completely
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of inaccurate information on my credit report. I have recently conducted a personal investigation into my credit report maintained by your agency and found several discrepancies that need to be addressed under the rights afforded to me by the Fair Credit Reporting Act ( FCRA ). 
According to the FCRA, particularly under 15 U.S. Code 1681e ( b ) and 1681i ( a ), it is imperative that all consumer reporting agencies maintain the maximum possible accuracy of the information reported and promptly address any inaccuracies or unverifiable information in the consumer 's file upon dispute. 
The following personal information listed on my report is incorrect and I request it to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, the following account is listed incorrectly as a collection account and must be removed from my report : Creditor : XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Thank you.