23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year> a debt collector XXXX XXXX XXXX opened a collection account on my credit report. I am not aware of this debt. I was not given proper notification of this debt nor the opportunity to dispute this debt prior to it being put on my credit reports. If in fact this company believes I was given proper notice prior to this being placed on my credit report, I would like a copy of the certified notice with my name and signature on it making me aware of this debt and the opportunity to dispute before it was placed on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item to be in error : XXXX XXXX account number XXXX 1. Three different balances are being reported {$1500.00} is being reported on TR, {$2500.00} is being reported on XXXX  and {$1500.00} is being reported on XXXX. 
2. Three different last dates of payments are being reported XX/XX/XXXX ( TR ) XX/XX/XXXX and XX/XX/XXXX XXXX reported 30 days late XX/XX/XXXX when the account was not. XXXX also reported 60 days late XX/XX/XXXX and the account was not. ( TR ) and ( XXXX ) reported 30 days late in XX/XX/XXXX when the account was current. XX/XX/XXXX ( TR ) ( XXXX ) ( XXXX ) all reported different account statuses. 
By the provisions of the Fair Credit reporting Act, I demand that these items be removed. This is a clear violation of 15 U.S 1681s-2 ( a ) a duty of a furnisher to provide accurate information. 15 U.SC Sec. ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if a person has been notified that such specific information is inaccurate. I understand that under 15 U.S.C Sec. 1681i ( e ) you must complete this re investigation within 30 days. Please send me a copy of my credit report to the address listed below. Thank you for your help in this matter.
Product: Student loan

The issue I'm having is getting Navient to release my cosigner after 14 years of repayment and over 2 years of consecutive on time monthly payments and meeting their criteria they refuse to release my cosigner.
Product: Money transfer, virtual currency, or money service

Hello, The date I sent my money via Paypal is XX/XX/2019. I sent to the email address : XXXX. He was supposed to sell me a service as he promised but he never did. I tried to make him refund for me but he never replied and I have proof of every conversation we had.
Product: Credit reporting or other personal consumer reports

I sent credit disputes to all 3 credit bureaus advising them to check the accuracy of my report and correct and or remove items, as they were aquired without my permission.
Product: Mortgage

I have had this issue with Nationstar mortgage for a while now. They held funds in suspense not completing full payments during a time of XX/XX/XXXX-XX/XX/XXXX. 3 months later, Nationstar finally admitted fault for their inability to apply funds and corrected the payment history. I requested a verification of mortgage, bu the VOM was not corrected. Lacking a correction for the VOM, it stated that I was 30 days past due for multiple months. I have been trying to refinance for 9 months and this error on Nationstar Mortgage is inhibiting my ability to. When Nationstar went back into the payment log they held up 2 months worth of payments, which put me ahead in my payment schedule. It does not make sense that they still have not repaired my VOM on their clear mistake ... After countless attempts to correct this, Nationstar has drug their feet around on this issue.
Product: Debt collection

Got a bill from a medical office I have never been to. I then got a notice from professional credit service XX/XX/19 and told them I've never been to XXXX hospital but they should figure out the bill description in case my hospital XXXX or my family practice doctor ordered something from them. I heard nothing for awhile then heard again from them and told them the same thing and now I haven't heard anything so I figured they were wrong for charging me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX P.T.- attempt to place a freeze was met with a window that said : The TransUnion Credit Freeze Service is temporarily unavailable. 

I called TransUnion, and after verifying my information, I was informed through automation that the information I submitted is incorrect. This is not true. I have been able to freeze my XXXX, XXXX  with no trouble. I can login to TransUnion without issue. 

CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE You have a right to place a security freeze on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit. 
As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumers credit file. Upon seeing a fraud alert display on a consumers credit file, a business is required to take steps to verify the consumers identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years. 
A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.
Product: Checking or savings account

Wells Fargo closed my account closed my new account in XX/XX/XXXX after it took me a week to open it. I never saw XXXX XXXX in the bank until the very last day I was at the bank finishing opening up my new account. XXXX XXXX is purpose coming around me. How would she know I was at that bank unless the banking employee was telling her when I would be coming in. She was stalking me. She had falsely accused me of harassing her in XXXX on XX/XX/XXXX. She is the one who started the confrontation by screaming at me yelling out my private financial matters saying how XXXXr I was because she knew how much money I had coming in my bank account. Yelling it out in front of the neighborhood but some how the police took her side that I harassed her. This is the type of employee they have working for them a liar. 

She told me why dont I take my XXXX XXXX son back in my home. XXXX and XXXX should had been the ones charged with disorderly conduct. She told her co workers at Wells Fargo and they pushed her to file harassment charges against me. This is down right criminal. 

Then I had to wait 4 months for court on XX/XX/XXXX. I was found guilty of harassing XXXX XXXX. I was denied to file harassment charges on XXXX XXXX. Even though she called my son was XXXX XXXXXXXX and told me why dont I take my XXXX  XXXX son back in my home. 

I was XXXX by the XXXX XXXX police and spent 24 hours in XXXX to please XXXX XXXX. 

I had hail damage in XXXX and I took my insurance check in Wells Fargo but was pressured to open a new account by XXXX XXXX on the XXXX bypass in XXXX XXXX. 

XXXX XXXX made sure to tell, the whole bank about what she got away with. Wells Fargo agreed with her that I was harassing her. 

But the problem is that I had no problems from the first 12 months. Until XX/XX/XXXX. I was being set up by XXXX XXXX and Wells Fargo. 

For them to get rid of me. But its not fair how I was treated. Wells Fargo said I constantly harassed XXXX XXXX. But they could never tell me how. Because they know I never harassed her.
Product: Credit reporting or other personal consumer reports

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  has violated my rights. 

I looked at my credit report on XXXXXXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report recently and I noticed that I had several inquires on my credit that were inaccurate or unknown to me then all of my health information was on my report I didnt give authorization to share with anyone about my state of health. I have multiple name spellings and several unknown or inaccurate addresses that I will list in the notes and it will be highlighted to what are error. 
hospital I did not give permission to share my health information that is illegal by law nationwide recovery ability recovery assetcare llc then I have accounts that are in positive standing reporting negative or closed which is completely inaccurate XXXX XXXX XXXX XXXX XXXX is paid and closed yet reporting negative and one is my current loan that is upto date XXXX XXXX XXXX ( 2 ) which are in good standing multiple hard inquires that are on there I have never done business with nor applied with there service and XXXX wont release my report
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX Cavalry Portfolio Service XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Name of Debtor : XXXX XXXX Dear Cavalry Portfolio Service, I acknowledge receipt of your response to my debt verification request dated. However, the documents you provided consisted merely of account statements without any proof of debt ownership or identification of the original creditor and subsequent assignees. As mandated by 15 USC 1692g ( a ), the CFPB has recently heightened the requirements for a debt collectors validation response, which must now include : The name and mailing address of the debt collector ; The name of the creditor to whom the debt is owed ; The account number ( if any ) associated with the debt ; An itemized breakdown of the current debt amount, including interest, fees, payments, and credits from a specific date that can be cross-referenced with records ; The current debt amount as of the date the validation notice is provided. 
Your response dated did not include any of the aforementioned details. 
In accordance with the FDCPA, please provide the following : 1. The name and address of the original and current creditor ; 2. Verification of the debt amount you are attempting to collect ; 3. Documentation of any assignment from the original creditor, including my name and the original account number ; 4. All relevant information on the securitization of the debt and proof of its reassignment to XXXX XXXX XXXX. 
Federal law, specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 15 USC 1692g ( b ), requires you to cease all collection activities ( including any contact with credit reporting agencies ) until you have properly validated and verified the debt amount. 
Please refrain from accessing my credit report or reporting this disputed debt. Any mention of this disputed debt should be clearly noted as such on my credit report. 
I appreciate your prompt cooperation in this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am writing to dispute the late payment days and negative status associated with the following account on my credit report. This account is inaccurately reflecting late payments, and I believe there was a mistake on the bank 's side. The bank has acknowledged this error and has agreed to my request to rectify it as a goodwill gesture. Account Information : XXXX XXXX  Date Opened : XX/XX/XXXX  Balance : {$0.00}. I understand that accurate reporting is crucial, and I appreciate your prompt attention to this matter. Please conduct a thorough investigation, and if necessary, contact the bank to verify the information provided. I trust that you will make the necessary corrections to ensure the accuracy of my credit report. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Debt collection

I keep receiving threatening calls on my personal phone, at place of employment. They have even called my family, friends, landlord threatening and harassing calls. I want the calls to stop ASAP.
Product: Credit reporting

I started to file bankrupcy but decided not to so i never went to court and it was dismissed. I looked up each credit agency and followed the steps to dispute it several times, but never got to the submit! I have tried for a couple of months now. if the bankrupcy was dismissed it should not show that i went to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint using information obtained from XXXX  credit reporting agency. 

On XX/XX/18 I filed a dispute on my XXXX credit report. It was showing that I had 3 public record reports. A few days before the 30 day deadline, it was closed with no change. I contacted XXXX, to see where the information come from. 

XXXX  gave me a tremendous run around, then ended up naming multiple companies as the source. I am filing this complaint on all of the services that XXXX stated where involved. I am hoping that if you where not involved, that you will at least provide a letter stating that you did not report the public record information to be true, and correct as XXXX  has stated. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, La XXXX XXXX XXXX The dispute timeline was filed on XX/XX/XXXX-XX/XX/XXXX XX/XX/2018. Once again I ask if you are not the involved party, please at least for the protection of myself, and your name a statement that you have not reported, not obtained a public record search. 

XXXX is using merged information, violations of the FCRA, and there breaking the law to try to push this off on me, and others. Please I am begging you to do the right thing, and help me fight XXXX. 

If you are the reporting co, please leave proper contact information, so I may call you, and get this taken care of. 

Thank you in advance, XXXX
Product: Vehicle loan or lease

I purchased a XXXX XXXX and Financed it through Honda Financial on XX/XX/XXXX, and I have always made my payments on time. Recently my car was in an accident in XX/XX/XXXX, and unfortunately the car was a total loss. My insurance provider was XXXX and I was working with my claims representative XXXX XXXX ( phone ( XXXX ) XXXX ). SHe called Honda Financial for a 10 day quote and they quoted her {$27000.00} ; that amount was good through XX/XX/XXXX. Honda Financial cashed the check on XX/XX/XXXX. XXXX then proceeded to bill me in the amount of {$500.00}. I called Honda Financial on XX/XX/XXXX to ask why they had billed me even though they had been sent the payoff amount. The representative from Honda Financial told me that they had processed the payment incorrectly and that she had escalated it to her manager and this would be resolved in 2-3 days. Days went by and nothing was fixed. I called Honda Financial several times and they never fixed the issue. We even held a call 3 way call with XXXX, Honda Financial, and myself, and they could not give us an answer as to why this had happened, and how they were going to resolve it. When asked if this would go to a reporting agency, they said if it wasnt resolved or paid on the due date, then yes. I paid the amount so that it will not go to a reporting agency, but I deserve a refund. This is an error on XXXX  part. The Payoff quote due on XX/XX/XXXX is for {$27000.00}, there is no way I could owe over {$500.00} after my payoff payment of {$27000.00}.
Product: Credit reporting or other personal consumer reports

i did not open this account it was opened frequently. I have notified the company but cant reach fraud dept because they will not provide full account/card number
Product: Mortgage

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NATIONSTAR DBA MR CO has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Student loan

Student Loans were placed in a Forbearance/financial Hardship. Account shows late payments. I was never late. I have 5 lates on my credit report. My credit score has been affected. Loan was sold and during this time the forbearance not being report accordingly. 

Listed contact number for Navient XXXX disconnected. Letter sent XX/XX/XXXX no reply. Account # XXXX Navient claims no correspondence was received since XX/XX/XXXX. Letter sent XX/XX/XXXX and XX/XX/XXXX. No record of my correspondence. 
Transferred consolidated XX/XX/XXXX. Bankruptcy XX/XX/XXXX, XXXX XX/XX/XXXX Discharged - Account was in forbearance prior to the bankruptcy. XX/XX/XXXX curred. Please dispute and remove from my credit report. 

I am the consumer. The account was full paid and closed. The reporting is unfair and deceptive. I see this to be unfair to me. 

I'm here to dispute inaccuracies and incorrect information. This practice can not be utilized on credit report for privacy. Putting on my credit report my private information to other people without my consent. I did not tell them to use or share with others. If it continues, I will need to take next steps FCRA disputing process.
Product: Credit reporting or other personal consumer reports

I checked my credit report with XXXX, Experian and XXXX and noticed they are reporting inaccurate information such as dates, amounts and accounts being opened/closed. I sent a letter in XX/XX/2023 requesting them to verify/update this information and it was not done. I sent a second letter in XX/XX/2023 requesting the removal of this inaccurate information and it was not done. I don't know where to go from here as they are not trying to help fix and correct the issue.
Product: Credit reporting or other personal consumer reports

Im asking for your support in addressing the incorrect account thats being reported on my credit file. This mistake has tarnished my reputation, and I need your help urgently. Your errors have caused immense distress, and its imperative that you correct these mistakes so I can focus on my family.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C Code 1681, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536a ( 1 ) ( A ) as highlighted in the CFPB 's recent administrative proceeding ( CFPB 's No. XXXX  XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the inaccurate accounts XXXX XXXX XXXX XXXX
Product: Debt collection

I have already file one complaint with you guys against XXXX XXXX XXXX for applying a debt to my report XXXX times, each time failed to provide anything proving the debt and it belongs to me so the XXXX disputes ended with it being removed, my information has been sold now by this company to another debt agency called lockhpuse Morissette and Mont, regarding XXXX XXXX XXXX, now as explained in my prior complaint it is absolutely impossible to have a medical debt under my or any of my children 's names we have all been covered under XXXX  XXXX for years, now after the last complaint with you, I filed one against the XXXX XXXX in XXXX XXXX regarding this debt, and that fact that even if by some far chance this is mine, thT I am more than aware that in the state of Florida if your health insurance is not accepted by a doc place or treatment you ate tho be notified immediately. I was never notified. I also after the last complaint, I also called XXXX, they were unable to confirm that there was any medical bill that was unpaid by them regarding me or my children. This debt is no straight harassment as all three companies that have picked it up since XXXX  are unable to provide any information, XXXX  says all medical and emergency isots over the last XXXX XXXX  have been paid in full, I don't understand how this is legal, it is messing with my life, my credit which I need to move to a better area. This is unacceptable
Product: Credit card

I received an email on XX/XX/2023 from capital one stating my new credit card was approved and ready to use. I did not sign up for a card from capital one. I immediately called their customer service number and they assured me that the account was closed and a fraud report was filed. They did not provide me with any documentation on anything. 

I then called them on XX/XX/2023 to see if I could recieve some sort of documentation and I was told that a piece of mail would be sent to me. 

Now on XX/XX/2023 I received another email from capital one saying my email was updated on my account. I called capital one again because supposedly my account was closed and nothing should be updating on my closed account. They said that although there is an investigation open, the account cant be closed until the investigation is complete. 

This is ridiculous and should not be a standard for capital one. This needs to change immediately