23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I disputed this account since I have never been do the hospital where the collection came from. After months of sending them information I was told my the collector that the account would be deleted. Two weeks later is was deleted. 

Now, months later, the debt has reappeared and they tell me it was just updated and was never deleted and now they want more information. They are super rude and even harassed my mother at her address for years with letters and phone calls before they finally asked her for my phone number. Very unprofessional and are not willing to listen to logic. They just want money, don't care if their information is correct or not. They won't and probably can't even confirm is this doctor even saw me. 

Disgusting.
Product: Credit reporting

EQUIFAX HAS NOT PROCESSED DISPUTE AND INVESTIGATION TIMELY FOR XXXX AND XXXX. I AM AUTHORIZED USER ON BOTH ACCOUNTS & XXXX XXXX XXXX, INDIVIDUAL ACCOUNT USER, HAS BOTH ACCOUNTS REMOVED FROM HIS CREDIT FILE WITH ALL XXXX CREDIT REPORTING AGENCIES DUE TO INCORRECT DATA. BOTH ACCOUNTS ARE CLOSED AND OLD AGED ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries that I did not authorize. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I applied this week for a no fee credit card with Amex. I have a screen shot of my acceptance for that card. Instead of that card, they sent me a XXXX card, which costs {$500.00} a year. I called, and they asked if they should cancel. I said yes. But now my credit score has been hurt because of both the application and the cancellation. I tried to get a supervisor on my call, but they just transferred me to another sales rep. I then again asked for a supervisor, but was just put on hold. After one hour, I had to go to an appointment. This has not been resolved.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because i was a victim of the Equifax data breach. I want all the negative items Deleted from my credit reports effective immediately. I have proof that Equifax admitted that i was in fact a victim of this data breach and Equifax has done nothing about it. Please help me delete these negative items from my credit reports
Product: Credit reporting or other personal consumer reports

PLEASE HELP ME REMOVE AND BLOCK THE ACCOUNTS IVE REPORTED BECAUSE I AM A VICTIM OF XXXX XXXX UNDER 605C. ALL ACCOUNTS HAVE BEEN UPLOADED WITH MY SUPPORTING DOCUMENTS.
Product: Mortgage

I did a mortgage forbearance with the company ( XXXX XXXX  XXXX during COVID - I was told the missed payments would be added to the end of my mortgage- not LOANCARE has taken over and they told me that I can only do a modification that would increase the overall cost of my mortgage and extend the term. I did not want that so I paid all the back payments which were cashed by them on XX/XX/25 - I have proof of the cashed checks but they dont seem to have record of it. I call / email daily and no one gets back to me.
Product: Credit reporting or other personal consumer reports

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. 
Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed unauthorized accounts being published on my credit reports with Midland Credit Management on XX/XX/2023 and XX/XX/2023. My request for validation of these alleged debts have been intentionally ignored. I requested the following legal documents : 1. Your lawful authority to collect without my consent or 2. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the alleged debt ; with my ink signature 3. An original contract between me and Midland Credit Management with my wet signature 4. The original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement.

5. An affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA and FDCPA.

6. A verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service.

As of today, the unauthorized accounts are still being published on my credit reports and I have not received any communication from Midland Credit Management.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone Stole my identity. I don't Know how they did it But Please help fix this Situation thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021, Me and my fiance ' provided a background screening report to XXXX to be considered for a rental apartment home. On XX/XX/2021, I was denied by XXXX due to a past " Delinquent account ( s ), '' -- in which one of the delinquent accounts being XXXX XXXX XXXX erroneous " 30 days late '' reporting to my credit report. Per my prior CFPB prior XXXX XXXX complaint # XXXX, XXXX XXXX  resolved this 30 days late dispute in my favor and agreed to send a request to the appropriate credit reporting agencies to update my credit report reflecting the 30 day late/delinquency error.
Product: Debt collection

At this point I would like to try and get this account with National Credit Systems settled. The contract and the break down of fees I do not believe are accurate and I would agree to paying the final month rent of {$1100.00}. The lease was for one year, from XX/XX/XXXX until XX/XX/XXXX. I gave notice XX/XX/XXXX and the contract expired XX/XX/XXXX had I stayed to the end of the month that would have completed the contact. The fact that they want to charge an early termination fee for a contract that was due to expire 30 days from when I moved out and charge a 60 day notice fee is absurd.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation.

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 or 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: Debt collection

I received a call ( XX/XX/2023 ) from a supposed law firm stating legal action was being taken against me for an old debt on my old checking account. Saying they tried to reach me and sent letters to an old address that my grandmother still lives at she hadnt received anything for me. Thinking it was a legit claim I tried to see if I could do anything to prevent legal action. The paralegal said she would talk to the lawyer. It only took her a few seconds to find out that JP Morgan would drop suit if I paid in full the $ XXXX. I called the said bank and they said that they were not taking legal action. I canceled my debit card that I gave them to make a payment Friday.
Product: Mortgage

In regards to the " Annual Escrow Analysis '' Quicken Loans aka Rocket Mortgage is conducting an escrow analysis every 6 months on my mortgage versus an annual review. My mortgage analysis was performed annually from the closing date of XX/XX/XXXX to XX/XX/XXXX, which resulted in an increase. Today ( XX/XX/XXXX ), Quicken/Rocket has notified than another escrow analysis has been conducted, which will be resulting in an additional increase. Further, an additional analysis will be done in XX/XX/XXXX ( approx 6.5 - 7 months ), resulting in 3 escrow analyses. THIS is UNACCEPTABLE!! 

When I called Quicken/Rocket twice today, two separate agents in the escrow department attempted to justify the semi-annual analyses stating that the state of MD requires annual analysis to be done in XXXX of each year vice the anniversary date of my loan closing. It is no logical way that all mortgage holding residents in Maryland have the same escrow analysis month AND your website ( XXXX XXXX XXXX XXXX XXXX XXXX  ) Escrow Accounts ) confirms it is an ANNUAL analysis unless 3 scenarios apply, which Quicken/Rocket has not indicated that either applies to my mortgage.
Product: Credit reporting 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.

Account Name : XX/XX/XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXX/XX/XXXX # XXXX Account Name : XXXX XXXXXX/XX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Good morning, I have previously submitted the dispute for deletion of collection account from my credit report, please review your decision and delete this collection from my credit report. Initial dispute message : Good morning my name is XXXX XXXX, and I was the victim of identity theft back in XXXX, yesterday I started seeing a collection account from XXXX on my credit report, and i want this account to be investigated and deleted. The most important thing is that I have not been living in United States since XXXX ( proof attached ), please delete it from my report XXXX XXXX XXXX , XXXX response : Good Day Mr. XXXX, please be advised that I have thoroughly reviewed your written complaint. XXXX XXXX XXXX , XXXX is a collection agency representing XXXX XXXX XXXX Mobility in association with a collection claim on account number XXXX. XXXX XXXX is listed as the responsible party and all communication from our office has been regards to the account. As of XX/XX/XXXX, the account has been recalled by our client. Since we do not own the debt and the account has been returned to our client, a deletion request has been processed to have our account deleted from your credit file with the three major credit reporting agencies ( XXXX XXXX XXXX XXXX ). Please note, the time varies by credit reporting agencies to complete the deletion request. There will be no further communication from our office regarding the account. On behalf of XXXX XXXX XXXX XXXX XXXX I want to apologize for any inconvenience that this XXXX have caused you. Thank you, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Mortgage

We signed closing documents on XXXX, XXXX, 2021 with XXXX XXXX of XXXX XXXX, to refinance at a lower interest rate with only rolling up the closing costs into the new loan, no cash taken back with our existing mortgage company, Mr. Cooper ( Nationstar ). We were asked to make the XXXX payment on the original loan, which we did. Both the preliminary loan pay-off, which was good till XXXX XXXX ( attached ) and the XX/XX/XXXX signed disclosure ( attached ) both show the same loan pay-off ( {$150000.00} XXXX and amount due back to us of {$740.00}. 

On XX/XX/2021 we received an e-mail from Mr. Cooper, with an updated and unsigned by us disclosure statement in which they increased the amount to pay off the existing mortgage to {$150000.00}, thus reducing the amount due back to us to {$460.00}, a difference of {$270.00}. 

This is Mr. Cooper 's reply to my concern : " It appears either the title company or funding team inputted the incorrect payoff amount on the closing disclosure that you signed. ( Payoff listed was {$150000.00} ) This resulted in the funding team having to resend the post consummation cd showing the final numbers and payoff amount at {$150000.00}. The funding team did have to make the payoff adjustment in order to close out and payoff your current loan. '' This is definitely not the title company error, as they used the information supplied by Mr. Cooper. And when this was requested to be bumped up to someone of higher authority, name not remember, but out of XXXX, TX, he said " your signatures were not required because you were still getting money back. '' I have asked Mr. Cooper for a copy of the modified disclosure document, with no success, as it's online access is no longer available. I have attached a copy of the check received. 

My complaint is two-fold, the pay-off amount was changed before Mr. Cooper 's quote expired and a new disclosure was filed and recorded with our signatures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no letter proving that my deferral for student loans got discontinued. Now, the federal loan has created a few late payments on my credit score.
Product: Mortgage

I 've filed XXXX previous complainsts againt bank of America in the past 30 days. bank of America has just placed a negative rating on my credit file. bank of America NEVER sent a change of my mortgage payment to me. Instead bank of America kept sending me letter that the mortgage was late. I called bank of America and spike to XXXX in which he verified they received my payment of {$800.00}. XXXX NEVER discussed anything with me further. 
After I received a certified letter from bank of America I called them again. I was then told there was a change in my mortgage payment. I told the rep why was n't I told when I called previously. She had no answer. I also told the rep instead of the bank sending my a certified letter stating my mortgage was delinquent, why did n't someone call me to let me know my mortgage payment changed and they needed more money!. Bank of America KEPT my mortgage payment that was made of {$800.00} and NEVER applied it. This is very poor business and there mistake is showing negative on my credit!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to have these inquiries removed twice. I have asked the credit bureaus and lenders to provide proper documentation of proof of inquiries as I can concerns for fraud the response is that it has been validated. My disputes have been opened and closed within such a short window that I doubt the information was actually validated. 

I would appreciate if the hard inquiries be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a repayment plan with The XXXX XXXX XXXX XXXX for loan repayment. As promised by the XXXX XXXX XXXX XXXX if I paid on time and completed the rehabilitation program they would once completed restore my loans to current and remove all late or defaulted and negative marks. This has not happened! XXXX XXXX XXXX XXXX has not removed the negative remarks from my credit file from notvone of the XXXX credit agencies as terms of the XXXX XXXX program. I paid every month on time as agreed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a inorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions m

ay also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a {$400.00} debt from XXXX XXXX. I cant say this more emphatically, I have never had a XXXX XXXX account in my life and could you please remove this immediately. 

Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mine and i need them to be removed from my 3 credit reporting agencies. 

1. Identity Theft XXXX  XXXX XXXX XXXX XXXX This is not mine 2. Identity Theft CAPITAL ONE BANK USA N XXXX This is not mine 3. Identity Theft XXXX XXXX XXXX  XXXX This is not mine 4. Identity Theft XXXX  XXXX This is not mine
Product: Money transfer, virtual currency, or money service

My cash app account ( XXXX XXXX  were closed upon XXXX separate occasions. The first being after an update, and the reason was not following terms and conditions. There was no customer representative to speak with regarding this issue. Afterward I was able to make a new account with different number. Same issue account closed ; this time I occurred a debt through their borrow feature and was forced to pay through my account balance. My direct deposit was supposed to come that same day to my account, but they reversed the funds. This was an another issue, when I did nothing wrongother than using my account daily.
Product: Mortgage

I sent a modification packet via email on XX/XX/XXXX and was advised I would receive a response with in 5 days to which Selene Finance has not responded. I am very concerned due to the Foreclosure sale date that is scheduled for XX/XX/XXXX. I also have an adult XXXX son who would truly be affected if we have to relocate. I would truly appreciate a response as soon as possible before I loose what I have worked hard for over the past 13 years. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : SYNCB/HSN Account NumberXXXX Account Type Charge Card Date OpenedXX/XX/XXXX Status Account : charged off. {$1900.00} written off. {$1900.00} past due as of XX/XX/XXXX.

Status Updated XX/XX/XXXX After multiple disputes for over 6 months with this company they still have failed to validate this account. I still have not gotten any response in writing or by phone. I even contacted this company to try to settle the debt even though its not mine just to get it off of my credit report. This is negatively impacting my credit which is stopping me to live a quality life.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act Public law 91-506, Title VI Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Wakefield & Associates XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Compliance with 15 U.S.C. 6802 Regarding Disclosure of Nonpublic Personal Information Dear XXXX XXXX XXXX, I am writing to address a concern regarding the handling of my nonpublic personal information ( NPI ) under 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act ( GLBA ). 

As a customer of XXXX XXXX XXXX, I understand that you are required to provide clear disclosures regarding your policies and practices for sharing XXXX. Additionally, you must offer me the opportunity to opt out of certain types of information sharing with nonaffiliated third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$880.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$0.00} EQUIFAX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$800.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$880.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00}