23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : CXXXX XXXX XXXX XXXX The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX WY XXXX. I was advised by my attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and XXXX XXXX XXXX XXXX  has NOT removed this account from my credit reports, or have sent me any kind of actual validation under the FDCPA. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. I have no idea who this company is, and not only were they NOT able to furnish a signed contract of my doing business with them in any way, they have now violated my HIPAA rights as well by sending me a patient report containing my medical information from some other company, but NOT sending any copy of a HIPAA release form. Now they've violated my FCRA, FDCPA, AND HIPAA rights. I've attached that document they sent me. 
Thank you for helping me resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to complaint XXXX. 

The answer from Premium Credit Bureau is not satisfactory, neither presented any evidence for this inquiry authorization. 
I don't recognize " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) '' and request to remove this inquiry from my credit reports in XXXX, XXXX and XXXX. 

Below answer from Premium Credit Bureau : " Dear XXXX : We are a credit reporting agency, companies use our system to pull credit report for their clients. Our services are mostly used by the mortgage and real estate industry. We have received your correspondence as to the inquiry of your credit report and our research has shown that this file was accessed by a properly vetted subscriber, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with permissible purpose. Should you wish to contact the end user and/or originator you may do so at XXXX. ''
Product: Checking or savings account

Deposited a check on XXXX XXXX.Capital one will not release funds until they call the person who issued check. That is not possible at this time due to him having health issues. Capital one is holding my sons money indefinitely for no reason
Product: Credit reporting or other personal consumer reports

Equifax has reported on my credit report an old account that keeps showing up on my credit report, I've attempted numerous time to explain and dispute with Equifax that the account XXXX XXXX XXXX XXXX XXXX XXXX for the amount of XXXX XXXX XXXX XXXX XXXX XXXX Is an Old Account and to please take off my credit report. Equifax fails to do a proper investigation with no reason on why this old account is still on my credit report. One year the account XXXX XXXX XXXX XXXX XXXX  in the amount of XXXX XXXX XXXX XXXX XXXX XXXX will disappear and next it will show back up.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX  - XXXX XXXX  XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Chime closed my account with nearly XXXX dollars in it and I still haven't been able to get the funds sent anywhere since I don't have proof of address. Having my account closed caused me to become homeless and now I can't get proof of address to show them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to personally fix the errors in my credit reporting. Instead Im dealing with more issues. I payed of a bill in full with XXXX XXXX XXXX Account Number : XXXXXXXX  for {$340.00} they falsely added a second account. Which I had already complained about through the all three credit Bureaus. The company did more research to find out I was right. The second account that was made after I filed a complaint. Was false and misleading for {$580.00}. 
These charges are to be off my account. There is no consistency. XXXX XXXX took off these charges. But add a false XXXX XXXX bill. 
XXXX Account XXXX Open XXXX Highest Credits : {$0.00} Balance : {$94.00} Then there is the issues of the false inquiries. 
XXXX has found no merit to these hard inquiries. But XXXX XXXX who have showed no proof. Refuse to take them off with no proof at all. Please help me with these companies false reporting. I filed for the XX/XX/22 this has been more than 30 days. Please help me clear up these mistakes.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX Balance Owed : {$80.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX XXXX  XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX  XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2022. There was an error on their part. I was never 30 days late.
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made a quite few attempt to address these issues directly They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP
Product: Credit card

I received an email I suspected to be a scam because when I attempted to block sender it wouldn't allow because you can't block a sender if it's from your own organization! I'm not very computer savvy so all I could accomplish was screenshots. Might have sent duplicates, sorry.
Product: Debt collection

My hospital bill was sent to a law firm for collection. My husband is on XXXX XXXX and they served us both. I called and complained and they just took his name off of the lawsuit. I had to make arrangements in or order to not be garnished. I was steadily making payments until one of my payments got lost in the mail. The company has no electronic options or automatic withdrawal options. Everything has be sent or walked into the office. One day I received spam mail from a lawyers firm that wanted to represent me. I had no idea why so I searched my local case net for my name. This law firm has sent my employer garnishment documents. I had no idea that I was behind any payments. I called the office and they instructed me to find legal counsel. I then emailed them for all the payments I have made. I offered to pay the missing payment the same day. I didn't know the payment didn't make it because it was already deducted from my account being a cashier 's check. The law firm told me the garnishment will go through unless I pay the full balance. I never received any notification that I was behind. They said they did not have to notify me because I defaulted on the arrangement. I didn't know I defaulted but now my employer is being effected as well as my credit.
Product: Student loan

Paid three loans in full while on a temporary deferment. I resumed payments only to be told now that my monthly payment went up because I only have one federal loan now.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach. I am requesting that the following fraudulent accounts and inquiries be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and XXXX XXXX  ( b ) : Fraudulent Accounts XXXX. XXXX Account # XXXX, Opened on XX/XX/XXXX, XXXX : {$3300.00} XXXX. XXXX XXXX Account # XXXX, Opened on XX/XX/XXXX, XXXX : {$680.00} XXXX. XXXX XXXX XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$490.00} XXXX. XXXX Account # XXXX, Opened on XX/XX/XXXX, XXXX : {$650.00} Fraudulent Inquiries XXXX. XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry dated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian to remove a negative item name XXXX  account # XXXX from my consumer report. that does not belong to me. I have sent proof that the creditor sent me where the creditor made a huge Error in reporting inaccurate information on me. Have not heard back from experian at all. I beleive this is a major fair credit reporting violation. please have them delete entire account
Product: Checking or savings account

Hello, CHASE bank closed my checking and savings accounts on XXXX. I called the bank and they would not give me an answer as to why this was happening. Restriction was put on my account. I was able to go into my local bank and get my savings account cashed out to me but not the checking account. On XXXX the remaining balance was sent via check to me. I was told XXXX CALENDAR days. It is now XXXX and a check has not arrived. Each time I call I do not get any help from the bank and each call is over an hour long.
Product: Mortgage

First Merchants bank took over XXXX XXXX  XXXX XXXX in the fall of 2019. I have always maintained my own calculations for each payment and would tie the yearend data for total interest paid and principle paid to the data provided by the bank. As soon as Merchants bank took over, my calculations are significantly off, meaning the processing through Merchants bank is different than how XXXX XXXX XXXX  XXXX calculated interest which tied to how the note indicated interest would be calculated. Hence, because we did not rewrite the terms of the note, First Merchants calculation does not match how my note indicates it would be calculated. I have contacted my loan officer numerous times over the last year to no avail. The last contact I had with him, he agreed that my calculation was how he would calculated it but there has never been any resolution. I believe most consumers trust that the bank is correctly calculating their interest and are victims of fraud and they dont even realize it. I gave the bank approximately 12 months to resolve the issue with no avail. From my perspective, this has gone from a possible mistake in the calculation to fraud due to their willingness to do nothing and hope I just give up on the issue.
Product: Credit reporting or other personal consumer reports

this debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 

XXXX. **Date of Last Activity : ** There's a discrepancy in the reported date of last activity among the three credit bureaus ( XXXX, XXXX XXXX TransUnion XXXX. Consistency across bureaus is essential for accurate reporting. 

XXXX. **Date Reported : ** The date reported is different for XXXX XXXX to the other bureaus, which could affect the interpretation of the information and might need clarification or correction. 

XXXX. **Account Rating and Description : ** While two bureaus report the account as " Paid, '' one bureau lists it as " Derogatory. '' Ensuring consistency in the account rating across all bureaus is crucial. 

XXXX. **Closed Date and Account Status : ** There's an inconsistency between the reported closed date and account status, especially with remarks like " Account has been closed due to inactivity '' and " Payment after charge off/collection. '' 5. **Creditor Remarks : ** The remarks provided by the creditors vary across the bureaus. They should accurately reflect the actual status of the account for consistency and clarity. 

XXXX. **Payment History : ** There are different late statuses ( 30, 60, 90 days ) reported across the bureaus for specific months. Consistency in reporting these late statuses is essential. 

XXXX. **Credit Limit : ** While the credit limit is reported consistently across all bureaus, it's mentioned in the remarks for one bureau, which might cause confusion. 

XXXX. **Dispute Status : ** Although the dispute status mentioned is " Account not disputed, '' if there are inaccuracies or discrepancies, it might be necessary to dispute these entries for correction.
Product: Vehicle loan or lease

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of XXXX. 

Capital One Auto Loan ACCOUNT Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Child support has been stopped on the account that I now have custody of my son. I am still being charged child support and am currently paying child support but credit reports show that I am either 30 days late or 150+ days late and it is currently hurting my credit score. There are inconsitancies regarding payments to the attorney general over the last 3 years. It is showing I am current one month then 90 days late the next month then no information for 2 months and currently in XXXX no information regarding payments with XXXX XXXX shows I am current throughout XXXX until XXXX through XXXX and those months show 150+ days late. The incorrect reporting of payments from these companies are destroying my credit.
Product: Credit card or prepaid card

Credit report on XXXX showed a credit inquiry on XXXX at MACYS/CITIBANK N.A . which I did not authorize. Called XXXX  and reported the issue and had inquiry removed. Called Macys XXXX fraud department, Representative confirmed an online application was submitted on XXXX. The application was cancelled and reported to the 3 credit monitoring agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 an alleged fraud or extortion. 
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 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: Student loan

I HAVE DISPUTED THESE ACCOUNTS WITH NAVIENT OVER AND OVER AND OVER I HAVE NOT BEEN LATE ON MY LOANS. I HAVE ALWAYS KEPT MY ACCOUNTS IN A POSITIVE STATUS. 

I HAVE ASKED NOW I AM DEMANDING THESE ACCOUNTS BE REMOVED FROM MY CREDIT FILE. I WANT THE LATE PAYMENTS REMOVED AS WELL AS I WANT THE ENTIRE ACCOUNTS DELETED FROM MY CREDIT FILES.
Product: Debt collection

NewRez had taken the amount of {$1800.00} out of personal checking on XX/XX/XXXX. On XX/XX/2019, NewRez was again paid {$1800.00} for XXXX 's mortgage, since NewRez claimed they never received it onXX/XX/XXXX. Bank account shows that in fact NewRez was not only paid onXX/XX/XXXX, but alsoXX/XX/XXXX for the amount of {$1800.00} and XXXX. According to NewRez, our bank had placed a hold and they were not able to receive the payments. Called XX/XX/XXXX, spoke with associate XXXX at XXXX bank, and confirmed that there were NO holds on NewRez with our checking account or for my spouse 's account, which is completely separate from the family checking account. We have paid for 2 months mortgage, XX/XX/XXXX, and XX/XX/XXXX, all of which can be shown by bank statements with absolutely no refunds except from our bank after filing a dispute forXX/XX/XXXX withdrawl that NewRez will not acknowledge. NewRez claims that they had refunded our accounts for both payments in XX/XX/XXXX Bank accounts will show that no refunds were ever made. The only refund that was made was for theXX/XX/XXXX payment and the refund was given by our bank along with a dispute against NewRez/Shellpoint.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXXir/Madam , I am writing to dispute inaccurate information on my credit report as allowed under 15 USC 1681i ( 5 ) and 15 USC 1681s-2 . According to the investigation, my account had been infiltrated with fraud, and there was a breach of my account. I have reviewed my credit report from [ XXXXEquifax ] dated [ date of the report ] and have identified the following errors : 1.incorrect account information, wrong payment status, I request that the inaccurate information be investigated and corrected as soon as possible in accordance with the provisions of the Fair Credit Reporting Act.

Enclosed are copies of documents that support my claim, including I also request that a corrected copy of my credit report be sent to me and any creditors who have received my report in the last XXXX months. 

Please investigate this matter and inform me of the results of your investigation. You can reach me at XXXX or XXXX if you require any further information. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

At approximately XXXX XXXX, on XX/XX/2022 I received a text message ( attached ) fromm my bank ( Chime ) asking me is I made a transaction in the amount of {$270.00}. I responded NO as I was in the middle of my morning commute and had not made any transactions. I proceeded to log into my online banking and found five ( 5 ) transactions form XXXX totaling approximately {$1100.00} ( attached ) .I immediately locked my card. I called XXXX to inquire about these transactions to which they informed me that there is nothing that they can do because I am not a costumer, they stated that they would have no information to look in to. I reported my card stolen. It is important to note that I was in possession of my card ( attached ). I called my bank to ask them what kind of transactions they were and to further inquire about the dispute process, a Chime representative informed be that they were money transfers. I asked them how someone could make these types of transfers without my accounting and routing number, and I requested a new accounting and routing number. The representative ignored my request and instead proceeded to explain at length how someone could make this type of transaction without my card and without having actual access to my account number. Chime 's policy is that at least one transaction has to clear before allowing a dispute, I waited for this to occur and promptly filed a dispute when I was able to. My dispute was filed XX/XX/2022, I had to file two disputes separately ( attached ). On the evening of XX/XX/2022 I received an email from chime regarding one of the two disputed stating that they had concluded their investigation and that no error occurred ( attached ). I immediately called them outraged, they out source their customer service to a foreign country with individuals that read from a script. They basically told me there was nothing they could do, that I could request the documentation used to make their determination and after that I could file a rebuttal if I had new information. I requested to closed my account as I will not continue to bank with a financial institution that refused to protect my money, I transferred out my remaining saving 's balance and closed my account. I filed a police report this morning ( confirmation attached ), as I plan to pursue reclaiming my stolen funds to any extent necessary.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound concern and disappointment regarding the handling of this attempt to remove fraudulent items. Despite previous efforts to rectify this issue, I am troubled by the persistent presence of fraudulent items. These recurring problems not only undermine the credibility of the process but also raise serious concerns about the effectiveness of the measures in place to prevent such occurrences. In conclusion, I trust that you will give due consideration to this matter and take decisive action to rectify the shortcomings observed during this attempt to remove fraudulent items. Failure to address these issues promptly compromises the integrity of the process and undermines the trust. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/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 or other personal consumer reports

This is the follow up complaint. I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX Balance {$710.00}