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

I was notified by a credit monitoring company that a collection was placed on my credit report. 

I reviewed the entry, although Equifax locked me out of my report when I tried to double check the report for some odd reason. ( the website claimed that I answered the identity questions wrong ... which is not correct.. Verified against my actual credit report they provided me. So their system was either having an issue or the validation database it compares the answers to is not correct. ) At any rate I was eventually able to get through to the report to file a dispute on the account in question. ( it has already been resolved with XXXX, and XXXX who both also investigated this same account and deleted it already. ) However Equifax online dispute process has only limited general options to explain your complaint. ( this account really does not fall under any of them ... Because it was paid to the original hospital not to who ever this collection agency is that is called XXXX XXXX. Whom I have never heard of before it put an entry on my credit reports. ) So the closest check box option on the dispute submission that came close to covering what the problem was " I have no knowledge of this account / it is not mine. '' So this is the box I checked. 

Next came the whole complaint submission process, during which time I seen no way of uploading any supporting documents. ( I was able to submit supporting documents with my dispute to XXXX, and XXXX which helped them resolve the dispute. ) Then Equifax conducted some kind of investigation.. and sent me the attached results. 

Which resulted in them updating the collection to being paid, and according to the results they verified that it belongs to me and is owned by some company named XXXX XXXX 

Which if they are reporting accurate information : They are saying that I paid some company named XXXX XXXX for my XXXX Hospital bill for visit XXXX with a service date of X/XX/2015. 

Which is obviously in accurate by the attached receipt, and screen capture of my XXXX Hospital balance for the visit in question. 

The receipt XXXX hospital sent me clearly states " XXXX XXXX XXXX, XXXX Hospital '' on it. 

I want to know how they verified this account was allegedly paid to a collection agency when the receipt clearly shows it was paid directly to XXXX hospital directly.
Product: Mortgage

Due to XXXX  instability and consistently laying off employees, they are no longer honoring the rate which was agreed upon. The fact that I emailed them on XX/XX/XXXX that I was concerned and worried about their instability and that I had other locked rates from other companies, is really concerning. I decided to stay with XXXX and because of me sticking with them I can no longer refinance my mortgage? It just makes me so sad that I trusted in them, instead of simply choosing the better rate I was offered in XXXX from other companies, I stayed with XXXX. I will be losing thousands of dollars every month without the refinance which we agreed upon. I have spent months sending them my personal information, so many documents filled out, paid over {$500.00} for an appraisal, and now because of them firing loan officers/employees, they can no longer honor the locked rate which we agreed to? 7 different loan officers from XXXX have been my loan officer, it is not normal. There was zero communication from XXXX for over a month, I had to search and search for someone to speak with. I dont believe this to be ethical. I am concerned and disappointed. It seems manipulative to update the terms to our agreement on XX/XX/XXXX in order to keep me from going to another company, and then to say in XX/XX/XXXX ( after no communication for over a month ) that the agreed upon rate actually expired in XX/XX/XXXX? 

Here is a visual of all the loan officers/time frame : XX/XX/XXXX XXXX XXXX mortgage loan officer NMLS : XXXX, contacted me. 
XX/XX/XXXX XXXX XXXX, mortgage loan officer NMLS : XXXX, contacted me. 
XX/XX/XXXX XXXX XXXX Loan Processor XXXX : XXXX contacted me. 
XX/XX/XXXX XXXX XXXX Mortgage Loan Officer XXXX : XXXX contacted me. 

On XX/XX/XXXX appraiser contacted me for payment. 
XX/XX/XXXX I asked for better rate/terms. 
XX/XX/XXXX, XXXX reduced points to compete with offer from other companies which we received better locked rates from. 
XX/XX/XXXX we were pressured to make a decision and scared by the higher appraisal costs that the loan officer said would keep going up. 
XX/XX/XXXX we paid the appraisal and decided to stay. 

XX/XX/XXXX XXXX XXXX Loan Processor XXXX : XXXX contacted me stating that the appraisal will be completed in a couple days. 

XX/XX/XXXX : I emailed XXXX about my concerns. 

XX/XX/XXXX I received a copy of my appraisal from XXXX XXXX. 

~ Zero communication from XXXX ~ Multiple of my emails ignored ~ In the beginning of XX/XX/XXXX I called the sales person who first contacted me to see what was happening since none of my loan officers were emailing me back. I was informed that my entire team was let go and that now my locked rate was no longer locked. The first time ever that I was informed about the rate no longer being honored was in XX/XX/XXXX after I tracked down someone from their company. 

XX/XX/XXXX XXXX XXXX Loan Processor XXXX : XXXX contacted me. 
There has been no communication since XX/XX/XXXX although I have requested that they honor the 3.75 % locked rate.
Product: Debt collection

I keep getting getting telephone calls from this company asking for XXXX XXXX on my mobile phone. I have stated to the representatives I have talked to that they have the wrong telephone number. But, they keep calling my number time and time again. This has gone on for four months now.
Product: Credit reporting or other personal consumer reports

Im fed up with the persistent inaccuracies on my report. These errors are causing real harm to my score and are costing me opportunities that Ive worked hard to earn. Its exhausting to keep dealing with the fallout from mistakes that are completely out of my control. How am I supposed to move forward when Im being unfairly held back by a report that isnt even accurate?
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In XX/XX/2021, I was alerted of a collection on my credit report for an electric company known as XXXX XXXX XXXX. The collection amount was for the total of {$320.00} at the time. When I realized that I had no idea what the collection was about, I called the number provided in my credit app and call. I started a dispute where I stated that I had no idea what this was about and assumed it had been resolved in 2021. However, on XXXX XXXX, my credit was hit again by the same debt and affecting my credit again. I have no idea who this is. I was ask to make another report on here, my local law enforcement and to submit the claim to have this removed again.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my credit report that is not mine I dont know where it comes from or why its on my report I have no account like this I have not signed or authorized anything like this. 

XXXX XXXX - Acct # XXXX Amt {$300.00} Opened XX/XX/XXXX XX/XX/XXXX
Product: Vehicle loan or lease

PER FCRA AS A FEDERAL PROTECTED CONSUMER I OPTING OUT OF ANY AND ALL AUTHORIZATIONS I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL AND NONVERBAL PER 15 USC 6802 WHICH IS EFFECTIVE IMMEDIATE AND INDEFINITELY The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit reporting, credit repair services, or other personal consumer reports

IM IN THE PROCESS OF BUYING A HOME. AS I WAS AT THE BANK THE LENDER TOLD ME THAT THE FIRST STEP WAS TO PULL MY CREDIT TO SEE WHAT TYPE OF LOAN I WAS ELIGABLE FOR. THE LENDER REVIEWED THE REPORT WITH ME AND FOUND ONE DEROGATORY ITEDM AND SEVERAL INQUIRIES THAT DO NOT BELONG TO ME. THERE IS A CHILDSUPPORT REPORTED ON MY CREDIT AND IT SHOWS THAT THE ACCOUNT IS CLOSED AND PAID FOR BUT IS NOT MINE. PLEASE REMOVE THIS FRAUDULENT CLOSED ACCOUNT FROM MY REPORT AND INQUIRIES THAT I HAVE NEVER MADE AS SOON AS POSSIBLE
Product: Student loan

AES has not provided accurate records to Federal Student Aid. When I view my AES loan details on studentaid.gov, the loan history shows my repayment starting on XX/XX/XXXX ; however, my loan repayment began in XXXX. Therefore, I am requesting they provide updated records to FSA starting in XXXX. 


AES has not provided me with accurate/ fully payment history from my loans. The payment history AES provided to me is only from XXXX ; however, the missing payment history should be from XXXX. I requested this for my own records too.

These inaccuracies are preventing me from completing the PSFL process that I started two years ago. If this issue is not resolved in a timely manner I will continue reaching out to other advocates.
Product: Credit reporting or other personal consumer reports

This account have been paid to XXXX XXXX XXXX and I have reciepts from XXXX XXXX XXXX proving that the accounts have been paid in full I have disputed your firms reporting of these accounts with TransUnion LLC reporting Reciepts showing payment , and your company has verified this false information.

Collection accounts that are closed and returned to the original creditors are to be deleted from the Credit reporting agencies, as these accounts are no longer in collection.

Furthermore, if the accounts were paid to the Original creditor, the collection agency can not report these as 'Paid collection ' accounts, since no payments were processed or paid to the collection agency.

Your verifcation of the accounts as a " Paid Collection " is a violation of the FDCPA and FCRA, Specifically ; FDCPA violations ; 15 USC 1692e ( 8 ) providing false information to credit reporting agencies FCRA violations ; 15 U.S.C. 1681i duties of furnishers to provide accurate information.

15 U.S.C. 1681s-2 - failure to provide accurate information, failure to correct reporting.

if your firm does not delete the collection accounts, I will turn this matter over to an attorney for review and legal action in federal court. with additional counts as follows.

15 U.S.C. 1681n Civil liability for willful noncompliance 15 U.S.C. 16810 Civil liability for negligent noncompliance GIVING CONSENT TO REMOVED INACURATE ACCOUNT XXXX XXXX XXXX XXXX TO BE DELETED WITH PROOF OF REMOVAL
Product: Credit reporting or other personal consumer reports

A late payment that is listed in my consumer report .... This has been an ongoing dispute for more than 30 days, and I have written numerous times regarding this matter. Under 15 U.S. Code 1681 ( 2 ) ( a ) ( I ) and 15 U.S. Code 1681s-3, the information exchanged between the consumer and the creditor should not be reported on anyone 's credit file until the dispute is resolved.
Product: Debt collection

I disputed this account with Convergent Outsourcing stating this is not my account and it was updated a valid on my credit reports. They did not provide any signed contract or anything else stating this account was mines. This company is in violation of the FCRA for verifying the account as valid with the credit bureaus without providing the proper evidence as requested. They are major discrepancies which this company is intentionally ignoring and the law is clear as to civil liability and remedies available to me ( section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursing litigation in the matter to enforce my rights under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that I paid and the collection agency agreed to remove XXXX / XXXX XXXX # XXXX your company has not removed and only updated the settlement payment which is NOT accurate and was NOT what was agreed upon. 

Please remove this remark ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again they have incorrect information [ report  XXXX  ] even though we submitted through your agency. All you did was take their reply and close the file. How many times do we need to repeat the process until the report is correct? This is causing us severe financial impact. Attempts to correct on line failed since they provided incorrect validation information. Attempts to call by phone failed as usual-  1- M y name  XXXX   XXXX   XXXX   XXXX  NOT  XXXX   XXXX   XXXX   XXXX  Hello.  2-   XXXX   XXXX   XXXX  is not ours. and not a savings plan. It was a retail purchase paid to   XXXX   balance months ago! Basically all debts paid down and still a miserable score and incorrect reporting! Same issue with numerous inquiries, missing  Security hold but they have a " State Legislation '' hol d on the account- remarkable.  XXXX   XXXX  Bank  XXXX  mortgage since  XXXX   2017
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report with the goal of addressing any outstanding accounts that may have entered collections due to past financial hardships, I was shocked to find numerous accounts, collections, and inquiries that I neither authorized nor recognized. This alarming discovery strongly suggests that my identity has been stolen and fraudulently used without my consent. 

In response, I immediately filed a complaint online at XXXX and submitted disputes with all major credit bureaus, attaching my identity theft report. Additionally, I will be sending certified letters to each credit bureau to further document my claims. I have attached all relevant information below for your review, which include names and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is ruining my reputation and financial well being for my family. Consumer reporting agency assumed the role on my behalf and it is fraud. I will be forced to take Experian to court and am prepared to do so. I am a consumer and the harm you're causing my family is causing XXXX and XXXX-you have 10 days.
Product: Debt collection

I don't recall having a contractual relationship with this collection company Aldous & Associates P.L.L.C.. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit card or prepaid card

I recently sustained an unforeseen injury that has affected my vision and I'm currently on XXXX, receiving only portion of my regular salary. According to my physicians, it can be months before my vision is back to baseline. With my return to work being months away, me taking a hit in my take-home wages and having now additional obligations in the form of medical bills, I reached out to USAA about my credit card balances, which are all current and in good standing at the moment, to see if they could assist me in anyway with my monthly payments and interest rates during this financial hardship. I attempted to convey this request twice to their customer care team. The first time they redirected me to a third party company which all they did was try and sign me up to a credit counseling service, which was fee-based. The second attempt, I was told blatantly that they couldn't do anything for me. Having been a USAA member since 2004, when I enlisted in the United States XXXX and have utilized numerous USAA products with good results and service, so I am VERY applaud and disappointed that USAA refuses assistance to a member of 15+ years during this unfortunate time and eventually will be forcing it's member to default on payments due to lack of funds at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report. I discovered inquires that I did not authorize. 
On XX/XX/2020, I reached out personally to the company to have the inquire removed from my credit report. It is my understanding that you can only make an inquiry to see my credit report if I authorize it. Which I do not authorize. On XX/XX/2020, stating we regret that we're unable to offer you credit at the terms requested. This has greatly impacted my credit score.
Product: Prepaid card

Someone use my Prepaid Card. I ask the bank to put the credit back on my prepaid card. the transaction is on : XXXX/XXXX/2015 for {$43.00}. it is for pageplus cellular. I told them I do not do this.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX  XXXX, collection Portfolio Account # XXXX, 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 15 U.S.C 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, credit repair services, or other personal consumer reports

15 USC 1681 States I have the right to privacy 15 USC 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 purpose.
Product: Debt collection

Noticed this on my credit report and descreased my score substantially. I dont have an account with AFNI. 

XX/XX/2021 Major Derogatory AFNI, INC.

It looks like your account with AFNI, INC. received a major derogatory status. This usually means that no payments have been made to a past-due account for 120 days or longer.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting has violated my rights act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 usc 1681 section 602 A states I have a right to privacy 15 usc 1681 section 602A section 2 states a consumer reporting agency can not furnish account without my writteni instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card or prepaid card

i contacted this company to resolved my problem, but unfortunately was impossible because they should relief us the interest and payment due to be in disaster area of hurricane " Irma " in XX/XX/2017 as the federal government establish. 
so this bank First National Bank Omaha in my account XXXX XXXX XXXX XXXX charge me interest in this period with not relief at all. 
i want to report this issue in other to advised others in this problem thank you
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

On XX/XX/XXXX I was approved for a loan modification. And on XX/XX/XXXX I was told that the modification was going to be rescinded due to the second mortgage company XXXX Bank would not move their lien position. I received and XXXX XXXX letter dated for XX/XX/XXXX and I went to XXXX on XX/XX/XXXX. I subsequently received a letter from M and T Bank on XX/XX/XXXX that my mortgage was forward to XXXX for foreclosure proceedings. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating they will be pursing legal actions. Based on the documents I received from XXXX and the XXXX XXXX with the dates provided, M and T Bank is in violation of this law.