23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted in XX/XX/2020 by Credit Control Corp. and informed that I had 43 medical accounts in collections. I explained that these accounts were part of a settled malpractice case and should have been removed from collections. I provided XXXX XXXX with a list highlighting all the accounts I was disputing along with an email from my attorney with his contact info as well as a letter from the insurance company points of contact that would verify that these accounts were in fact not eligible to be collected on. On XX/XX/XXXX I received a follow up call from MsXXXX XXXX where she informed me that they had never encountered a case like this but since my malpractice case had been settled they would not contact my attorney. She went on to say to me " you're just trying to get out of a debt you owe for services that were rendered to you '' She also made comments about how her company was not making any money as long as I wasn't paying these accounts along with other very out of line comments.
Product: Debt collection

Ive sent two letters to Midstste collection. One trying to verify the debt, and the other asking for method of verification. I havent received anything from them and its been about 90 days. I also added in the letter requesting to delete the misinformed info off my credit report immediately if verification such as a written signature isnt provided. Im trying to buy a house and my loan officer stated that this negative collection is brutally hurting my credit.
Product: Checking or savings account

While I was XXXX, my passport and debit card information was stolen and used to withdraw over XXXX dollars from my PNC bank account. I have disputed the charges immediately upon XXXX, however the bank is refusing to return any of the funds because it was over 60 days. I could not dispute earlier because I was in XXXX. My passport was also used to go to a local PNC branch and withdraw XXXX dollars.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized and inaccurate collection account on my credit report from Equifax associated with XXXX XXXX XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, [ Credit Bureau Name ] has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.
Product: Payday loan, title loan, or personal loan

I called to apply for a loan .They ran my credit .They said to call back in thirty minutes .I called back and they said you have been appoved for XXXX said ok i will be up there tommorrow to sign papers, They called back that afternoon and said that i wasnnt approved and i owed money from a loan i had years ago, The other lady had said she had seen it was paid off on my credit report .I called the store where they said to call and she said i did not owe anything .It was paid off .Why did they lie about this?
Product: Debt collection

My client has a collection from an apartment complex, but my client paid everything once he moved out. National Credit System bought the debt and is claiming extra balances that my client does not recognize. On XX/XX/XXXX I sent by certified mail ( XXXX ) a letter disputing the debt, then in XX/XX/XXXX I sent a follow up letter letting them know that they were on violation, by today XX/XX/XXXX the company has still not responded. 

Also the company did not sent my client a right to dispute a debt.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Experian Credit Bureau ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) EXPERIAN CREDIT BUREAU is required to REMOVE any inquiries listed in Identity Theft. Once again HERE IS THE LIST OF INAUIRIES THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX ; XXXX XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Company has misrepresented facts over and over. They have stated that XXXX insist that the escrow account remain open, appraised home in discriminatory manner and now refuses to adhere to law and appraise home for the correct value that it should have from the beginning. Now to add insult to injury they file a false Escrow Disclosure Statement in retaliation for insistence that home be appraised for its true value as the homes on left and right have and do appraise for $ XXXX {$370000.00} so therefore our home which has more updates should appraise their or higher. They have stated knowing to be untrue to XXXX states an escrow must remain XXXX has stated verbally and otherwise that this is not the case and that this is XXXX  call not them. We have paid our Hazard Insurance for the past two years in full at all times paid up for the whole year never has XXXX had to pay and they still will not fix their errors. Now dated XX/XX/2021 an disclosure for Escrow was mailed stating what was paid by us ( home insurance is paid up for this year and next year and XXXX is aware ). Truth in Lending requires that this escrow be accurate and it is not. This is paid in full and therefore can not be added to the Escrow account as thought it is not. There is an expectation of honesty in holding and recording escrow funds and this is clearly violated. ESCROW ACCOUNT BALANCE SHOULD BE BACK TO WHERE WE STARTED EVEN LOWER WHY DOES IT KEEP GOING UP THIS IS RETALLIATORY
Product: Debt collection

After survivng Hurricane XXXX and XXXX oil spill, predatory company LVNV Funding LLc sued me, won and now garnishing my paycheck for $ XXXX/month. They stated that they bought a 15 year old XXXX XXXX credit card debt that I was paying every month. Because I refused to pay them three times what I was paying XXXX monthly, they hired a local attorney and sue me in XXXX XXXX Court. 

I missed the court date and could not afford an attorney because of work. So, the judge favored them without my defense. 

What can I do to stop this illegal action?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of obtaining a mortgage loan. In order to qualify for a lower interest rate I needed to bring my score up 2 points with XXXX, bringing my XXXX score to a XXXX. My mortgage lender uses Credit Plus to pull credit reports & rescores. In an effort to bring my score up 2 points with XXXX, I payed down a credit card. 

Instead of going up ( as predicted ) my score shockingly dropped 9 points  with XXXX! Credit Plus and lender had no idea how or why. Credit Plus contacted XXXX, who admitted they incorrectly updated the new balance & available credit limit, there by creating the score to drop. XXXX  corrected the information. However, according to Credit Plus, XXXX said that updating these numbers " messed up their reporting algorithm '' and now my score will reflect the incorrect lower score for the next 4 months. 

XXXX is pointing the finger at Credit Plus, saying they corrected their mistake, and Credit Plus can request a new score. And Credit Plus is  pointing back at XXXX saying they inputed incorrectly, and now it is still not reflecting a true, and accurate credit score because the algorithm was " messed up ''. 

I 'm being told there is nothing that can be done by Credit Plus. Now I 'm stuck paying a higher interest rate & mortgage insurance on my loan because of false/incorrect credit score. Because of this incorrect information, I 'm paying more, and no one will fix their mistake, and report a correct credit score. 

I received information back on the rescore on XXXX XXXX, 2018. Also, no one from Credit Plus will talk to me. They told my lender, they do not, and will not communicate directly with consumers. This " mistake '' due to XXXX & Credit Plus is costing me an additional {$200.00} a month on my payment. It 's a big deal to me, and I should n't have to pay more because my score is being reported incorrectly. In addition, Credit Plus has told my lender that my score will be " stuck '' at the lower score for 4 months. I do n't understand how this can be.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXBalance XXXX {$4800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance XXXX {$4800.00}
Product: Debt collection

I am disputing the validity of this debt/ bill. I have XXXX XXXX XXXX military ) and have had it since XX/XX/2009 which is 11 years. I contacted XXXX to inquire about this bill and I was advised that the claim was never submitted to XXXX for payment. I was advised to call XXXX XXXX XXXX and have them submit the bill for payment and the rep at XXXX advised they would not submit the bill because the claim was old even though XXXX advised to resubmit. Instead, the rep offered me a settlement of the bill in which I declined because my insurance should pick up the bill. Someone dropped the ball at the hospital in which I should not be at fault.
Product: Debt collection

It Started back in XX/XX/year> when I received a invoice that I made purchases of XXXX through XXXX of XXXX Android phone and for me to contact the following number - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
From this point on I was getting purchase invoice each month and it was for random invoices for XXXX, laptops, phones and electronics. 
by XXXX XXXX I get XXXX invoices of XXXX aqand XXXX for a XXXX XXXX  and XXXX  and by now I decided to contact the number on the invoice to inform this was never my purchase. since that day the attempt of hacking my account XXXX  and bank account. the person on the phone requested mirror access to my phone and was attempting to access my bank account. He wanted me to put in my bank information so that he can quote '' make sure I am not being charged '' I notice that was a bit odd so I hung up the call. Ever since they have not stopped attempting to hack me they continue to send me purchase invoices of purchase I NEVER DID. 
That day I googled XXXX direct number and I spoke to someone who informed I needed to send a email with information to there fraud account and for me not to use my XXXX until this was resolved. I stopped using the account, invoices kept coming and XXXX never informed me if this was taken care of. I was so scared of being hacked so I never used that account again. 
Now present time I am being Sued by a company Midland stating they have XXXX file for this account that I did not use, I closed and was hacked. This account was a fraud and I don't know how to make it stop.
Product: Credit reporting or other personal consumer reports

I had a credit card with XXXX XXXX XXXX. I opened it about 5 years ago. I received a phone call from someone claiming to be from social security, threatened that I would be arrested for fraud. They instructed me to liquidate my money from my card buying XXXX XXXX gift cards to protect me. Yes, I realized this was very stupid and should have known better. After I did that, I was very stressed and went to the bank the next day to explain what happened. They said to go to the police station and make a report, which I did. I brought it back to the bank ( lady at bank told me another person came in with the same issue ). Anyway she said she would write it up but I probably would be responsible. No investigation by the bank, police, or FBI was done, which I think should have been done since they were impersonating a federal employee. I didn't know at the time this happened XXXX  years ago, that the bank was to do an investigation. Never heard anything about it. I had been making payments on this up until XX/XX/XXXX. This happened XX/XX/XXXX. In XX/XX/XXXX my XXXX XXXX XXXX XXXX and I no longer received alimony and my income was very low. I called XXXX and explained that I would not be able to make payments for couple of months. They said I could put off paying but still had to pay hundreds in interest. I then found out that the bank was required to invest these types of scams and they never did. I had not heard of this type of scam until months later. I simply couldn't pay it and the bank refused to work with me. I got legal advice to let collection agency not to contact me about it. This has impacted my credit. I put in a dispute but nothing was resolved. I am unable to upload the letter and police report to credit agency. I think the bank should have investigated this. They and the police had the phone number of person who called. I went to XXXX XXXX and found out where the cards were used. I realized that I was foolish and stupid, but I was a naive XXXX XXXX XXXX and the bank did nothing. At the very least I want this all reported to credit agencies. Up until then I was making all payments on time. I will attach the letter and police report. I would like I said this all put on my credit report.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXX XXXX XXXX XX/XX/2022 TransUnion XXXXXXXX XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX, New XX/XX/2022 TransUnion XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/2022 TransUnion Here I attach, along with the dispute, my fraud report that I just sent to TRANSUNION for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Product: Credit reporting or other personal consumer reports

Dear Equifax Dispute Resolution Team, I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : XXXX. This inquiry was not authorized XXXX XXXX XXXX Inquired on XX/XX/year> Please remove it from my credit report XXXX. This inquiry was not authorized XXXX XXXXXXXX XXXX Inquired on XX/XX/year> Please remove it from my credit report XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXXXXXX XXXX XXXX XXXXXXXX Account number : XXXX Please remove it from my credit report XXXXXXXX XXXX agency did not send me anything to verify this account so how did you verify it? Where is the valid documentation? Please remove this account immediately.XXXX XXXX XXXX XXXX XXXX  Account number : XXXX I am a victim of identity theft. Please remove it from my report. 



XXXX. Section 623 states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this XXXX account can not report. Please remove this account immediately. 
XXXX XXXX XXXX Account XXXX : XXXX I am a victim of identity theft. Please remove it from my report. 

XXXX. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX XXXX XXXX  Account number : XXXX I am a victim of identity theft. Please remove it from my report.
Product: Debt collection

MRS Associates has contacted my mother instead of me regarding a debt I allegedly owe, which is in complete violation of the FCRA. I do not owe any semblance of debt and have the call log to prove they contacted my mother.
Product: Debt collection

just received a letter from Discover Card seeking payment for the assets of a deceased parent from over a year ago. 
There aren't any assets left after burial with life insurance funds paying such expenses. 
The deceased was XXXX yrs old. The rest of her money was used for medical care while still alive.
Product: Debt collection

I've attempted to reach out to Grain on several occasions to have them provide accurate information on my credit report. However, when I pulled my credit report I can see Grain has verified the inaccurate information and continue to report while still attempting to collect on the unverified data. From the attached credit report you can see discrepancies across all three bureaus, XXXX, XXXX, and XXXX. Inaccurate information includes : High Balance Last Verified Date of Last Activity Date Reported Date Opened Closed Date Last Payment Past Due Amount Credit Limit I've attempted to rectify this issue with Grain to no resolve. This is in violation of U.S. Code 1681 ( 5 ) Treatment of inaccurate or unverifiable information. For this reason I request Grain remove this record from my credit file. This inaccurate data has damaged my credit profile.
Product: Mortgage

I closed on my home -- a new property, qualifying for a 10 year tax abatement -- in XX/XX/XXXX. At the time of close, it became apparent that the closing company had forgotten to account for my tax abatement on some estimates ( causing me to pay a couple thousand additional dollars into my escrow account at close ). I was assured that this could be worked out with my mortgage company after closing.

My mortgage was sold to Fifth Third Mortgage Company in early XX/XX/XXXX. I promptly submitted an inquiry re : the escrow amounts on XX/XX/XXXX. Not only did I have the excess in escrow from closing, I also had to pay an extra ~ {$300.00} a month for my mortgage, so I was eager to resolve the issue as soon as possible. 

In response, Fifth Third opened an issue and informed me that they would respond in 15-25 days via mail. 

This delay was frustrating to me, as I hoped I would be able to provide legal documentation of my tax abatement right then. I asked if I could speak to someone from Fifth Third Mortgage Company directly. They said no. 

In early XXXX, I received a response in the mail, indicating that they needed further evidence of my tax abatement. I immediately faxed over a copy of my stamped document affirming my property 's tax abatement aside the letter they sent me. I followed up this fax with an online message to confirm the receipt. Again, they indicated they would respond in 15-25 business days. 

Today is XX/XX/XXXX, and I have still not received a response. My monthly mortgage bills are hundreds of dollars higher than they should be, and I am owed thousands of dollars from closing three months ago. I sent a message explaining that my promised response was missing and that holding excess in escrow is a violation under RESPA. They responded to tell me to contact customer service over the phone -- despite the fact that they told me earlier there was no way to contact a Fifth Third Mortgage Company rep directly over the phone.

I am completely frustrated with this situation and the way I've been treated by the Fifth Third Mortgage Company. 

I've attached screenshots of all my correspondence, as well as the evidence of my tax abatement ( as faxed over on XX/XX/XXXX ) and screenshots of my account info and activity ( taken today, XX/XX/XXXX -- showing the escrow balance vs escrow disbursements & monthly fees ).