23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I found out through my credit report that Im in collections for a debt I previously reported as not mines in XX/XX/XXXX from XXXX  XXXX  it was removed from my credit report. Now it seems Enhanced Recovery Co L  has started to report this on my credit report on XX/XX/XXXX as I stated earlier I didnt have an account with XXXX cell phone carrier so I dont know why they are steady trying to get money from me for a service I didnt have. I also want to know what cell phone carrier let 's a bill reach to {$5300.00} before cutting it off that seems like a shady business practice. I want this derogatory remark removed from my report ASAP. I also called and reported to XXXX in XXXX of XXXX that I received an alert about my social security number being used in Colorado for phone services ( I live in XXXX ) the person I talked to told me someone tried to get phone service but was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 XXXX became XXXX XXXX. When the changes were made I had no knowledge that the payments posted would not be to the original account. I contacted the company via email asking if they would give me a reprieve since I had been a customer for two years and never had a late payment previously ; in fact, this would not have occurred if it had not been for the company account changes beyond my control. They emailed back that the late payment would be reversed ; the credit bureau never received updated information and my report and credit score reflect this negative mark. In XX/XX/2022 I paid off the account in full and was due a refund. The company did not return the funds within the 7-10 day timeframe. 

My concerns are the following : 1. The company has the ability to positively or negatively impact the consumer 's life via credit reporting. It is imperative that this reporting is done accurately to reflect as promised.

2. Since accounts are to be reported accurately ; negative balances ( i.e. overpayments ) are returned to the customer 's closed accounts and refunded within 7-10 days.
Product: Credit reporting or other personal consumer reports

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX 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

I have disputed incorrect late payments and incorrect names to XXXX, Equifax, and XXXX. I have names on my credit report that are inaccurate and have never been associated with me. All accounts associated need to be deleted. I have also requested on XX/XX/20 that erroneous late payments are removed which have not been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting another CFPB complaint once again. Again, I was a victim of identity theft and this is my sixth CFPB complaint trying to request to block or remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts not later than 4 business days after XX/XX/XXXX, the date of the dispute letter I recently sent. Ive already included this report in my previous CFPB complaints & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This letter is to notify the Credit Bureaus if they do not REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. This is your FINAL WARNING. Please REMOVE the ACCOUNTS resulting from alleged identity theft. Here is the list of accounts that should be removed as soon as possible : XXXX XXXX  XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$86000.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian have NOT been accurately reporting my credit report. They are not reporting my XXXX XXXXXXXX XXXX XXXX history of XXXX years, XXXX  months
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : 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 These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I refinance my vehicle with wellby. They in bad faith promised insurances for illness XXXX and or XXXX  this promise was fraudulent made by a representative through email that no longer works for the company XXXX XXXX XXXX. 

They lost the original contract and attempted to recreate a contract and have me sign when I refused They placed a repo on my credit. I returned the car before they had even placed the report. 

They apologize in email about the fraudulent contract a XXXX XXXX XXXX apologized but when I wanted to give them the car back and refused to sign a second fraudulent contract that is when they placed on my cresit than closed the account so thay this repo would stay on my cresit for the next XXXX years. 

They kept denying my insurance Policy in effort to cancel out my insurance so they could sell me a high end insurance through their company even though I provided my insurance XXXX times. 

The medical insurance was not able to be used when I needed it because the company switched up and said they XXXX started this insurance for XXXX XXXX  or XXXX  they stated XXXX XXXX started this insurance than switched up again and stated they started it but only in the event I pass away can I use this insurance. 

This company had to be by far the worst financial institution. I have sent information supporting these statements to cresit bureaus with hopes that rhe cresit bureaus won't ignore my dispute. 

We have a pending court hearing and everything stated is also stayed in emails sent
Product: Mortgage

On XX/XX/XXXX, my mortgage was transferred to BSI Financial Services. BSI is a mortgage servicer located in XXXX, Texas. As the mortgage servicer, they are responsible for paying my insurance and taxes. 

My insurance payment was due in XXXX and I had to navigate assisting BSI with paying the insurance. Unbeknownst to me, my property tax payment of {$3400.00} was also scheduled to be paid in XXXX. On XX/XX/XXXX I called BSI to inform them that they had not paid my property taxes for XXXX. I was told by a representative that they were behind with paying property taxes and it may take a couple weeks to make a payment. I was not satisfied with that answer so I called back, spoke to another representative who told me she would expedite my claim and my taxes " should be paid. '' I informed her that because the payment is late it has incurred interest and the balance is {$3500.00}. She informed me that the late payment fee would be incurred by BSI. On XX/XX/XXXX, I called to get an update on payment, I was informed by a representative that no payment has been made and he will send an email to the escrow department regarding non payment of my XXXX taxes. When I asked to speak to someone in escrow, I was told they don't speak to customers. I explained to the representative the seriousness of my taxes not being paid and as a result, a lien could be placed on my property. I was told all he can do is send the email. It should be noted that I have the money in my escrow account to pay the taxes. 

BSI is a company that has a reputation for acquiring mortgage loans and not paying insurance or taxes in a timely manner. As a result, the homeowner is left having to cover the penalties for late payment. In XXXX, BSI was sued for faulty handling of mortgages, insurance and tax payments. Unfortunately, they are still continuing with the mishandling of paying consumer bills in a timely fashion. As a result, the consumer is left to deal with the consequences of late or non payment.
Product: Debt collection

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX Equifax XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 


XXXX XXXX XXXX {$7300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not investigate dispute properly, refused to provide information or delete the unknown medical accounts.

Actions taken:

2017- XXXX  Filed a dispute on unknown medical accounts to Equifax.

2017 XXXX  Found results on their site (never received results over snail mail), basically the results were "We verified that this item belongs to you. If you have additional questions about this item please contact ".

2017 XXXX  Contacted the reporting  with a dispute and request for validation on this unknown medical account as per instructions from Equifax.

Never got any response from the collection agency. I have a proof of delivery of my validation letter to the collection agency.

2017 XXXX  Re-disputed to Equifax with copy of the letter to the .

2017 XXXX  Received the same result from Equifax. Equifax did not investigate properly, did not provide requested information about unknown accounts nor deleted them, did not properly marked accounts as in dispute.

Please note that Equifax is the only credit reporting agency reporting these unknown medical accounts.   XXXX   never have them,  XXXX  deleted after dispute.
Product: Debt collection

I dont live at the address. Im not sure why they are after me. The date shown is not accurate and I dont want this on my credit report. Its effecting my everyday credit. I have tried to tell the company I dont understand where the charges came from. And they are not trying to work with me in explaining everything. I want this off my report please
Product: Credit reporting or other personal consumer reports

Pursuant to FCRA Section 605B ( a ), credit reporting agencies are required to promptly remove any data in a consumer 's file flagged by the consumer as stemming from suspected erroneous activity, within four business days of receiving such notification. ; 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 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

Please reinvestigate inaccurate items posted on my report. Ive been trying to get some written information showing where I did so from all companies I have not received it. A computer is not acceptable I need the proof!. Please reinvestigate and remove this nonsense from my report as it is hindering me from better myself in life
Product: Credit card or prepaid card

I have excellent credit and due to my age I was denied credit by capital one when I applied on line the reason I was told was my score which happened to be XXXX when I called the representative she could not give me any good reason when I received the letter it said to many inquiries when I had only the one I was applying to. I also had a capital one card in the past with excellent history.
Product: Debt collection

XXXX ACCOUNTS WITH SAME ACCOUNT NUMBER BUT DIFFERENT BALANCES XXXX {$980.00} AND XXXX {$800.00} PURSUANT TO 15 USC 1692 IT IS ILLEGAL FOR A COLLECTION AGENCY TO BUY A CONSUMER DEBT AND GO AFTER THE CONSUMER FOR IT I DID NNOT CONSENT TO THIS OR THE HARASSMENT. I DO NOT KNOW WHO THEY ARE NOR DO I HAVE A BINDING CONTRACT WITH THEM SO PLEASE COMPLETLY REMOVE FROM MY CREDIT REPORT.
Product: Credit card

Transaction date was XXXX. The amounts of the transactions are {$4300.00} and {$270.00}. 

When I saw these charges on my statement, I immediately contacted Home Depot to dispute these charges.

Home Depot sent me a letter stating that they were conducting an investigation for these charges. I received a final letter from Home Depot letting me know that they have completed their investigation. The letter states that I am still responsible for these fraudulent charges. Not sure what went into the investigation to determine that I am still responsible for charges that I never made. 

I am writing today to continue my efforts in disputing these charges. There were no itemized items on the statement telling me what was actually charged. I dont know if these charges were purchased at the store or online. As you can see my information had been compromised. 

I am requesting that these charges be credited back to my account. I never purchased anything from Home Depot for that amount of money on that day in question. If these charges were purchased in the store, Im sure you have security cameras all over the store. If you go back to that day of the purchases and review the cameras, you will see that I was never in the store. Also, if these items were purchased on-line, where were these items shipped to?

I have been a valued customer of Home Depot for many years. I have always paid my bills on a timely basis. Please continue your review of this fraudulent charge and abate all charges and interest. 

I am concerned that this will impact on my credit rating, which is excellent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company a number of times regarding these unauthorized hard inquiries. They are not willing to help and have not yet removed them or sent me proof about what happen or why they are there.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recen CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

In my review of the credit report, I found some erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus must verify these accounts. Reporting unverified information without evidence within the legal timeframe is prohibited. Kindly investigate and correct the errors for the following accounts listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am receiving attempts to collect from a company ( Midland Credit Management , Inc ) I am not aware. In addition, the company XXXX XXXX XXXX XXXX XXXX XXXX is listed, as the original creditor, I am unaware. I need to prove from Midland Credit Management that are attempting to collect a fraudulent debt. I need to see an original contract signed by me. I am know that I have never signed a contract with either of these companies. I have looked through my personal paperwork XXXX contracts signed from XXXX ). I have no records of a contract by me with Midland Credit Management or XXXX XXXX. Mildland Credit Management has been report erroneous information to the crediting reporting agencies of a " bad debt. '' If Mildland Credit Management has proof of debt with my signature, I want the company to produce that information. As a now, I receiving notices from a them and I have no idea who they are and what " debt '' there attempting to collect. If this attempt is legitimate, I sure the company will comply and produce the original document establishing a " debt ''. 
This is an attempt to establish if this is a valid attempt to collect because I have no knowledge of these companies and signing any contracts with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy on my experian credit profile that is not mine. They are saying they verified it with both the courthouse and XXXX XXXX and I even provided them with proof that they did no such thing. The last time I disputed this I got a notification that they received it and they verified it at the same time. So clearly they did not even do an investigatin at all. Please help me remove this from my credit report!
Product: Mortgage

As I was getting ready to refinance the loan with another lender, I made a huge payment to get the balance of the existing loan reduced. They did not give me credit for the payment in a timely manner. They continued to charged interest for the higher balance. 

I have an attached spreadsheet that calculates the interest base on how they applied the funds on one tab. The other tab has the interest calculation based on the correct applied date, which is the date that I made the payment. 

Please see the attached documents for more information regarding calculation of interest, correspondence to and from the company. 

They sent the same answer to me and then to an attorney.
Product: Credit reporting or other personal consumer reports

District Court for XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ; Case XXXX I am filing CFPB complaint against Trans Union for fraudulent accounts that have appeared on my credit report. I have been stressing to Trans Union that these accounts are a result of Identity Theft stemming from XXXX XXXX XXXX. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. The erroneous, fraudulent accounts are : Fraudulent Account/ Transaction/ XXXX XXXX Account # XXXX Balance : {$4200.00} Fraudulent Account/ Transaction/ XXXX XXXX Account # XXXX Balance : {$320.00} The listed accounts are not mine, never been authorized by me, and are frivolous, I am being harassed, and I demand the fraudulent items listed to be removed, or I will hire an attorney and proceed with legal ramifications. Despite this, Trans Union continues to badger, bully me. I need verifiable proof of these credit transactions were not initiated by me, as well as proof of identity to confirm who applied for these frivolous debts. I know my consumer rights under Federal laws. I have attached a copy of proof from FTC Identity Theft Complaint. Under the Fair Credit Reporting Act ( FCRA ), s15 U.S.C. 1681c-2 ( a ), I am requesting that you immediately : Block and remove all fraudulent information from my credit file ; notify any third parties to whom this fraudulent information may have been reported ; and provide confirmation in writing that the requested changes have been made to my credit report. I certify under penalty of perjury that the information provided in this notice and its attachments is accurate I will seek legal actions, for violating my consumer rights.