23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

IC Systems has reported a medical debt to my credit which I was not aware of from XXXX XXXX. They has been no proper communications about this debt when then last time that I have spoke with them on the phone asked for record of this debt. They informed me they would send me the documentation, but I have not received it. 
I sent them a certified letter asking for REQUEST FOR VALIDATION OF DEBT and they did not respond within the 30 days allowed within the letter. 
I sent a 2nd letter informing them they that they did not respond in a timely manner therefor I am requesting them to remove this harmful reporting to my credit. I yet again have not received any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello i sent a dispute over 45 days ago still no response it currently states that i have missed payments for my fed loan witch is incorrect there should be no late payments
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter will serve as a follow-up to my earlier plea last XX/XX/XXXX. Seems like my earlier endeavor to block those fraud items has not been given attention. I'm including them again in order to be removed immediately. 

XXXX XXXX XXXXalance : {$48000.00} XXXX XXXX XXXX XXXX XXXX {$9200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} ; XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I tried to sign up for the XXXX bureau credit monitoring system offered through XXXX website. However, I was unable to complete the transaction due to a block ( notice ) on my Experian report. The notice reads " The issue date of the Social Security number that you gave us when you contacted us is not verified by the Social Security XXXX ''. When I contacted Experian to fix the issue, they told me nothing could be done. My SSN was issued XX/XX/XXXX. Since XX/XX/XXXX, the Social Security XXXX changed the way they issued SSN to increase security and consumer protection. As such, many companies, including Experian, can no longer validate my SSN. I can not understand why I am being penalized and denied service because a safety featured implemented by SSA. I would like to request that Experian remove this notice from my credit report.
Product: Debt collection

I discovered that I had several very old medical bills sent to collection on my credit report earlier in the year ( XX/XX/XXXX ). I reached out to the collection agency to settle the debts. I made arrangements to pay for all 4 outstanding invoices and promptly paid the amounts. I was told that my debts were paid IN FULL and my credit report would be appropriatly updated. The following month ( XX/XX/XXXX ), another bill appeared on my credit report for the same amount previously paid ( this is the 3rd time a charge for {$760.00} was reported, I had already paid two bills both for {$760.00} ). I called the collection agency again ( XX/XX/XXXX ). And they said that the additional bill was added because they were only allowed to post 4 bills at a time. This did not sound right to me, I couldn't understand why another bill would suddenly appear when I was told the month before that all bills were paid in full. I paid 5th bill, reluctantly, becuase I wanted to have my credit repaired. Now, several months have passed, and after 6 months and after paying the 5th invoice totaling over {$2000.00}, another bill for {$620.00} which was also the same amount previously paid in the first 4 invoices, suddenly appeared AGAIN on all 3 credit bureaus. One credit report, XXXX shows 2 bills both for {$620.00}. When I called the collection agency again on XX/XX/XXXX, they said that these bills just arrived, yet they are dated XX/XX/XXXX & XX/XX/XXXX. I said how can bills suddenly appear from 6-7 years ago when I was told all were paid in full a few months ago? Also, the original debt holder, XXXX XXXX XXXX XXXX XXXX, is now I believe a closed operation. So how can they have sent over 2 bills over 6-7 years old when they're not even in operation? I saw hundreds of complaints online about this very same thing for both Commonwealth Financial and XXXX XXXX XXXX. Commonwealth gave me account numbers for these 2 bills that do not relate at all to the previous account numbers and I received letters of deletion for the 5 invoices I have already paid, but most letters do not make sense and just show zero due. 
I am convinced there is fraud occuring here as I do not recall having so many outsanding medical bills especially since I did have insurance during the dates of these invoices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit only to items that did not belong to me on it. So I reached out the the FTC and the Police Department to find out what steps to take. I was given instructions of what to do and that was to dispute these items with the 3 Credit Bureau. So I mailed in my disputes to all 3 and I have had no response back. So I am here disputing these items. All the documents I mailed in I am will be submitting below.
Product: Debt collection

GINNYS - I have paid this account over two years ago and asked the credit bureau XXXX to remove it from my credit file. And XXXX will not remove the account. 

Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Unsecured Loan Balance on XX/XX/XXXX Payment Info Status Paid, was a charge-off Status date XX/XX/XXXX Past due amount Original loan amount Monthly payment Paid
Product: Checking or savings account

I have some many dates were I'd do a withdrawal from an ATM at XXXX 's near my home that says navy federal on it. I will go with between XXXX or XXXX but I have to pay fees and I never knew why I had to pay fees since the ATM SATs navy federal on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE! 
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I  had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.
Product: Debt collection

XXXX XXXX XXXX failed to provide the service that they claimed. Not only did my teeth not get corrected as promised, but they also ruined the alignment of my bite so I have jaw pain. I tried to rectify the situation by asking for a new evaluation and another set of aligners or to have my money refunded so that I could go to a real orthodontist. CSRs play games and send you in circles until you give up. I do not owe this debt because I did not receive the service solicited. I stopped payment on the product and not until XX/XX/XXXX did I hear from anyone saying that they were claiming a collection against me. I immediately responded by email and they again gave me no resolution and turned the collection in to the credit reporting agencies ... just as I am building a house. My credit score has dropped over 100 points ... to a score disqualifying me from the loan commitment due in two weeks ; to buy my custom new construction home. Neither smile direct club or the collection agency will resolve this injustice. XXXX XXXX XXXX needs to be legally stopped!!!! It is fraud and causing terrible effects on thousands of people! I don't know what to do but this is an emergency!!! 
Please help me! 
XXXX XXXX XXXX XXXX Colorado resident
Product: Debt collection

I submitted a complaint to this company on XX/XX/XXXX with an extremely in-depth case and proof as to why this debt should be removed immediately from previous medical reasons. 

The company responded on XX/XX/XXXX and said " We have closed this account and ordered a deletion from all the credit bureaus to which we provide credit information. '' I expected the company to honor this, however after re-reviewing my credit report today it looks like the company has still reported this as of XX/XX/XXXX on my XXXX Credit Report. I would like to have this removed immediately as they've already stated they would do so. 

Thank you for your help. Please see the attached image.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

On XX/XX/2023, I contacted the Law Office of Brett M Borland, P.C.Spoke with a person named XXXX at XXXX at extension XXXX. I had asked a bunch of questions because this would be XXXX of XXXX conversations regarding a debt I owed but was never notified of by XXXX at XXXX XXXX. XXXX became extremely upset by my questions and she said " I don't know your living situation, but this will show up on your credit report, and if you try getting into another apartment this will show up. '' I found the entire situation uncalled for and to be told something like that when all I was trying to do was understand, was severely unnerving and made me so much more scared and stressed out.
Product: Debt collection

I am writing to dispute the following information that your company XXXX supplied. I have circled the items I dispute on the attached copy of my credit report ( s ). 

This item MOHELA/DEPT OF ED is inaccurate because I am not aware of this account. I am requesting that XXXX have the item removed. 

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item ( s ) as soon as possible. 
Sincerely, XXXX XXXX.
Product: Vehicle loan or lease

XX/XX/XXXX I called and requested a deferment because I broke my XXXX  and needed to pay to see an XXXX surgeon. I have medical bills from my XXXX XXXX visit, I need to see the surgeon to have my XXXX  set and casted. {$610.00} would have gone a long way towards me being able to receive proper medical care. I was told I didnt qualify. Fine, but dont deny my request based on FALSE information. 

XX/XX/XXXX then received a letter stating that I didnt have the ability to resume payments. Thats a lie. I stated I am XXXX mom and has been for years. My car payment has always been made regardless. I can attach my bank statements proving I dont have access to funds to continue making payments is a lie. I spoke to XXXX XXXX ID # XXXX who did not care that something incorrect was done in the prior call because my medical bills hadnt even been resolved yet. Of course they hadnt, they havent even arrived yet from XXXX XXXX, and I havent even seen the XXXX  surgeon to have my XXXX  set yet! But guarantee itll be over {$630.00} as the surgeons office visit alone is {$150.00} without my XXXX  being set, casted, or follow up care. {$630.00} literally meant me receiving proper medical care and my XXXX  having to go improperly healed and deformed. He stated they are unwilling to do anything to resolve the issue as its simply a courtesy. I requested it be resubmitted with my husbands income included as he pays the bills. He refuses and told me to call back in a month. He also refused to tell me why they had come to the conclusion they did that I couldnt resume making payments to which he replied he couldnt coach me. Telling me what caused them to claim I cant make payments is coaching??? Why would any company say we denied you but we refuse to actually tell you why? 

XX/XX/XXXX I called back to obtain agent ID # s. I spoke to an agent named XXXX who refused to provide me an agent ID or any other identifying information after I told him I was filing a complaint with the CFPB. I was transferred to XXXX agent ID # XXXX. I asked why she was able to provide me an agent ID, but the prior agent was unable. She advised this number should have been provided and that the previous agent hadnt been noted he spoke to me prior to the transfer. 

I can provide bank statements showing deposits made every single month into my account and my urgent care discharge paperwork that states me finger is fractured and I need to see an orthopedic surgeon.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I successfully refinanced my property with LoanDepot and paid off the outstanding debt owed to XXXX XXXX. My first payment on the new term commenced on XX/XX/XXXX. I made two payments in XXXX towards my mortgage payment of {$1400.00} before the end of the month. Then in XX/XX/XXXX, I paid the full amount owed on the XXXX of XX/XX/XXXX to avoid a late payment. Since making my first full payment for XXXX and also XXXX I have not seen my mortgage payments reflect on my XXXX credit report nor other credit reports. My DTI ( debt to income ) ratio has taken a big hit. In XX/XX/XXXX, I asked LoanDepot to place my account in forbearance due to COVID-19 job loss which they verbally agreed over the phone on XX/XX/XXXX when I spoke with an agent named XXXX XXXX. LoanDepot has been looking for a way to repossess my property by negatively reporting or labeling the account as delinquent inspite of the fact that two additional payments were made towards covering my principal and interest in the amount of {$950.00} on XX/XX/XXXX and XX/XX/XXXX. These payments were made on my behalf by a XXXX program sponsored by my county for people affected by the pandemic. Furthermore, my account has a surplus payment as LoanDepot never refunded the difference of the amount it withheld for my XXXX property taxes. They erroneously overcharged my account twice for the same XXXX  XXXX tax. I have made multiple inquiries with them and they keep saying that it is under review. They sent me the wrong forms for mortgage assistance which I understand ought to be completed only after a covid-19 forbearance elapses. By XX/XX/XXXX if they do not roll over the excess payments in my account to cover XXXX 's mortgage and/ or place my account in the COVID forbearance, it would negatively report as a delinquent account and this will harm my credit worthiness. LoanDepot is purposely doing to damage my credit and to find a devious way to possess my property if not stopped. I have never failed to make payments on my mortgage or been in this precarious situation.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 a Western Union Money order was purchased from XXXX in the amount of {$1200.00}. The money order was written out to " XXXX XXXX at XXXX XXXX ''. On XX/XX/2018 the money order were placed in a Bright Yellow envelope, the envelope was sealed and I wrote my name, address and the complex name and address on the envelope. On XX/XX/2018 I called went online to check the status of my work order and that's when I realized my account was showing a past due balance. That same morning I called the complex and spoke to a XXXX. She informed me the money order were not received. After dealing with her unprofessional behavior I requested to speak to a manager. She refused to give me the managers name, email address or contact information. I reached out to a sister property and was able to obtain the contact information for the corporate office. I reached out to the corporate office requesting a call back, but they refused to return my call. 

I reached out to Western Union to request a stop payment. A case number was given to me. I was also advised to mail the receipts to Western Union so they could reissue the money orders to me. All of this took place on XX/XX/2018. I mailed copies of the receipts to Western Union. On XX/XX/2018 I called to confirm if the receipts were received. Agent advised me that I would need to mail the originals. The originals were mailed on XX/XX/2018 through certified mail. On XX/XX/2018 I called Western Union to see if they received the originals and the agent stated they were never received. I also reached out to my bank for some assistance with this matter and Western Union has been giving them the run around as well. 

As per the the product and tracking report from the USPS it shows XXXX XXXX received and signed for the documents on XX/XX/2018. I have been calling, mailing, emailing and faxing the same documents to Western Union and have not been able to get a resolution. I am 4 days away from being homeless because an eviction has already been processed and the court date has already passed. Can you please assist me in getting a refund? A police report has been filed. 

Please let me know if you have any questions.
Product: Credit card or prepaid card

The night of XXXX and between the morning of XXXX My wallet with my edd debit card was stolen I figured it out Monday morning the XXXX of XX/XX/2021 I reported my card stolen with Bank of America Immediately the stopped and canceled the card and sent me a new card that arrived about 8 days later I then contacted edd I needed to verify my identity with them and XXXX then they sent Bank of America that info I called back to B 9f A few days later they told me to wait for more info and that {$810.00} dollars was stolen from my account I still have money in the account I got a letter from them a few days later XXXX that was dated the day after I reported my card stolen XXXX saying my account had been closed claim closed my account was charged for the {$810.00}, the new card the new card should up but was unable to activate it not able to access my remaining balance or any of the new payments sent to my account since then still closed they told me I had zero liability on this account and that they would help me fix the issue take I was taken care of then next time I called I was told I wasnt even a customer anymore and there is nothing I could do transfer on hold for hours to only hang up on me still have at least returned my money I have no negative balance or owe them for anything or allowed me to open a new account to address the problem like any normal bank would there is the federal act of Regulation E to protect my account as well as there claim that my edd card has Zero liability protection they totally turned the opposite pushing it under the rug closing the account rite away no investigating or asking for any details what happened how what why where not holding up to there contract with edd and myself with the there debit card specially in situation and from keeping my funds not following guidelines there are more details
Product: Credit reporting, credit repair services, or other personal consumer reports

this message is for Transunion and XXXX concerning my XXXX accounts with XXXX ending in XXXX and XXXX the company called XXXX XXXX XXXX XXXX was calling on the behalf of XXXX and sending me notices about my XXXX accounts with XXXX XXXX the company here referred to as XXXX sent documentation to me today as of XX/XX/2021 that the above referenced accounts with XXXX have been closed with XXXX as of the date mentioned. I would like for you to update my credit report showing that the account through XXXX is closed due to this information