23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2012, I was seen by the XXXX XXXX XXXX XXXX. At that time I had XXXX XXXX XXXX, which was billed for the visit. I thought this debt had been paid but found out on the credit report that it is now past due. <P/>My Explanations of benefits from XXXX states that I owe XXXX XXXX XXXX XXXX XXXX after benefits are applied to the bill. They instead state that I owe them XXXX, which is the full amount of the bill. I disputed the amount of the debt with the debt collection agency, sent them a copy of the EOB from XXXX, and received a sheet of paper just simply stating that I owe XXXX. Even though on their online billing website it shows the credit for XXXX from XXXX. Further, the bill online states that nothing at this time is due. See attachements below.
Product: Student loan

MOHELA sent a message on XX/XX/year> they were going to begin charging interest. My student loans were put on an administrative forbearance related to the SAVE plan. The guidance published by Federal Student Aid in XXXX stated interest would not accrue related to the forbearance. When checking my account with MOHELA, they had begun to charge interest.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have executed and filed a dispute regarding the incorrect items on my credit report. It has been well over 30 days plus and I haven't received any investigation results within a timely manner. All 3 credit bureaus has clearly violated my rights according to the FCRA Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
Product: Mortgage

US Bank changed PMI removal requirements after I closed the loan. 
To avoid PMI, I was willing to pay a 20 % down payment at closing. But the loan officer closed my loan with a 15 % down payment and informed me that I can pay the remaining 5 % anytime in the future and request to remove PMI. Last XXXX I called US Bank and asked them to take the remaining 5 % payment and removed my PMI. They told me to cancel PMI I have to pay 35 % of the original purchase price. This information was never disclosed to me before closing the loan.
Product: Credit card or prepaid card

Around late XXXX Of XXXX  I made a purchase on XXXX  for {$28.00} for some food. But when I received my order it was completely wrong. I contacted XXXX 1st and they informed me that they will not Be refunding me any of my money. So I contacted cash app because that is the card I made the XXXX  purchase with. It has been over 4 months and I have not received any helpful correspondence from cash app In reference to my dispute.All they tell me is that they have escalated my issue and that someone would get back with me through email.I have not received any emailsWithin the 4 months since I have filed the claim in late XXXX. I was charged for items I did not want. neither XXXX or cash app are trying to help me get my money back.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Debt collection

I received a letter from CBE Group in an attempt to collect an alleged debt without my authorized consent dated XXXX ( Breach of US Code 1692 ( a ) ). I also received a number of phone calls in efforts to collect an alleged debt on. the dates of XX/XX/2021, XX/XX/2021, and XX/XX/2021 without my prior consent ( Breach of of US Code 1692 a,, b, c, d, e, and f. 
I have since communicated with said company verbally via telephone and written via US registered MAIL # XXXX XXXX XXXX XXXX XXXX sent XX/XX/2021 about their Unfair Practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

7. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXXcount Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2022, I called Experian 's fraud department and spoke with an associate by the name of XXXX. I explained to XXXX that despite the multiple disputes and requests for correction and/or deletion of erroneous information, the agency has remained in violation of the Fair Credit Reporting Act in multiple ways. The agent was extremely argumentative and dismissive and continued to deny and misquote the laws that Congress has put into place to protect the CONSUMER. I informed the agent that the CRA has an obligation to report information that is TRUE and ACCURATE, and does no harm to the Consumer ; that pursuant to 15USC1681 ( a ) ( 3 ) -this role to report consumer credit information was not given but assumed, and with this is also the obligation to abide by the laws Congress has established. Pursuant to 15USC1681 ( a ) ( 4 ), Experian has continued to be unfair in knowingly reporting erroneous information without FIRST consulting with THE CONSUMER. The agent, XXXX, continued to deny any of what was said to be factual and refused to assist consumer with correcting and removing the erroneous and fraudulent information from the Consumer Credit Report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  had opened an account under my name I reported/disputed it to Experian, XXXX XX/XX/year> I received Report # XXXX that the information was verified as accurate. 
I was a victim of data breach at XXXX. They gave us access to XXXX XXXX XXXX. I received an alert from XXXX in regards to the XXXX XXXX XXXX XXXX  credit card. I then started the process to report the card as a fraudulent dispute with XXXX XXXX XXXX XXXX, the three credit bureaus and XXXX. 

Now I need a report from your agency to continue the investigation as fraud.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. Please find the ATTACHED documents to assist in blocking the erroneous items which are being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$24.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXXXXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$580.00} XXXX XXXX XXXX XXXX Balance Owed : {$62.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$260.00} XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$360.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted several disputes asking to verify my identity and verify the fraudulent account on my report, however XXXX, Equifax, and XXXX is stalling by asking me for the same documentation that has already been provided. It is my right to be able to dispute when I want especially when there are unverified and inaccurate accounts being reported to my consumer profile. Please accept my documents as evidence for my disputes along with proof that I am who I say I am. Thank you for handling this matter swiftly.
Product: Debt collection

Debt collection notices constantly received from Transworld Systems Inc . I have called twice and notified them that debt has been paid with Check # XXXX cashed by XXXX XXXX XXXX on XXXX XXXX, 2015 for the full amount of the debt of {$40.00}. ( Scanned copy with full cashing information attached ) My account # at Transworld is XXXX. However, Transworld continues to send me collection notices more than weekly despite my calls. The XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX VA XXXX goes directly to an answering service when called. I provide all requested information and am told I will be called back within 24 hours. After 5 calls, they have failed to contact me. I consider the actions of Transworld invasive and abusive and the lack of response from XXXX XXXX XXXX XXXX against reasonable business practices. Furthermore, they only have one method of contact -- phone -- - which as previously stated is an answering machine with no return phone calls despite numerous attempts by me and assurances on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening. I have made several attempts to have the inquires, wrong names, addresses, bankruptcy accounts on my reported removed from Transunion. I have sent my information several times and I have the tracking number XXXX. I have also requested a copy of any written authorization that I gave to TransUnion to report anything on my behalf. TransUnion has violated my privacy and continues to put false information the credit report.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed A lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fifth third bank has been reporting my mortgage payments on my ex-husbands credit report and not reporting on mine at all. We were divorced in XXXX. The house belongs to me. He has never paid the mortgage. I filed XXXX XXXX bankruptcy in XXXX and finished in XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx. XXXX DOB : XX/XX/year> SSN : XXXX Letter to remove inaccurate reporting of CREDIT INFORMATION TO WHOM IT MAY CONCERN : I received a copy of my credit report and found the following items to be error. Here as follows are items being report as ( CHARGE OFF ) in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This debt is considered a charge off However, this actually considered income because I should have received a 1099c in order to account for this as income. This is not charged off. Im requesting that this is removed because it is not debt. This is considered income according to the IRS canceled debt income and INCOME SHOULD NOT BE REPORTING ON MY CREDIT REPORT.
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 four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX  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 this fraudulent account in my report and TRANSUNION 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, this collection was 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 this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I received an adverse letter due to information this company I never heard about provided to XXXX XXXX. 

This company provided my information without my consent. 

This company refuses to provide my credit report when requested. 

I have sent several requests for my report, uploaded documents to obtain a credit freeze until I can review. 

They have not properly placed a credit freeze on my file for review even after providing requested documentation. 

I keep getting letters saying I have to provide docs to verify my identity, I have done so. I had to provide when I placed the credit freeze on my file. 

This company refuses to disclose my report to me which is against the Fair Credit Reporting Act. 

They are unknown, no one knows about this company, who they are, when they were established, where are they located. They are operatig in secret. 

They are providing my information without my permission.
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. Specifically, I wish to dispute these accounts : XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 
I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency.
Product: Credit reporting

Every time I try to submit an online dispute, the Experian system says " our system is down ''. My credit score dropped XXXX points over night from XXXX XXXX, 2016 to XXXX XXXX, 2016, and I 'm trying to find out why. Every person at Experian says they 're unable to tell me why my credit score decreased by XXXX points. Per my record, my overall credit utilization has decreased. Per my record, I have paid all my bills timely for a consistent period of time, Per my record, my outstanding balances on credit cards and installment payments have continued to decrease. Help me better understand why my credit score dropped over XXXX points and what justified that significant of a decrease. Because of what I believe to be an invalid entry of information, this is going to result in potentially lethal consequences for me, as I can not buy my XXXX medications. This issue must be resolved within 24 hours in order to avoid potentially adverse and potentially harmful impact human life since this adversely impacts my ability to obtain medication and other things for living.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request and Cease & Desist Notice Dear XXXX XXXX XXXX XXXX  , I am formally requesting validation of the alleged debt associated with Account # XXXX pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Statements alone are not sufficient evidence of a debt. As established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a mere statement does not satisfy the burden of proof. 

Therefore, I request that you provide the following documentation : A copy of the original contract or agreement that establishes my obligation to this debt. 
A detailed accounting of the debt, including all charges, interest, and payments made. 
Proof that the debt remains valid and collectible under applicable laws. 
Additionally, I am invoking my rights under the FDCPA and formally demanding that you cease and desist from all communication with me regarding this matter. This includes, but is not limited to, phone calls, emails, letters, or any other form of communication. 

Furthermore, this cease and desist request extends to any communication through consumer reporting agencies. As such, you must remove any entries related to this debt from all consumer reporting agencies immediately. 

If you fail to comply with this request, I will have no choice but to pursue legal action against you to enforce my rights under federal law. 

Please confirm in writing that you have received this request and that you will comply. 

Sincerely, XXXX XXXX
Product: Debt collection

This is actually connected to my prior complaint XXXX with XXXX XXXX XXXX XXXX XXXX with the originating company being XXXX XXXX XXXXXXXX XXXX The outcome was found that they had no record of the debt belonging to me and they were able to correct my credit score and report. However, a new debt collection company negatively impacted my credit report and score and they go by Phoenix Financial Services with the same originator being XXXX XXXX XXXX this time with the amount being {$860.00}. I am not sure how or why they would get another debt collection agency to say I owe funds to them when my previous complaint went through and it was found that it didnt belong to me or was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting that an old loan I used to have with their company is still active and past due. This account has been closed and charged-off since XXXX of 2015,
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 an 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 if the person knows or has reasonable cause to believe that the information is inaccurate.