23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

While looking through my credit report I noticed a previous deleted collection item on my credit report. This item has been removed three other times. The original account came from XXXX XXXX XXXX. I prove to the bureau that the claim was an error by XXXX XXXX XXXX, and it was removed. It was sold to XXXX XXXX XXXX agency and placed back on my credit report in spring of XXXX. In XXXX of XXXX  I had it removed again. Then In XXXX of XXXX  it was sold to XXXX XXXX agency and again removed. Now, it was sold to XXXX account # XXXX. Why do I have to keep removing this same erroneous claim? According to The Fair Collections Act, this information should not be placed back on my report once removed. Section 609 ( a ) of FCRA, reporting agencies are required by law to verify claims, through physical verification of all accounts placed on my credit file. Obviously no investigation was made to verify this claim. Moreover, it has now been 7 weeks or 40 days since I asked for verification of debt. According, FCRA, the bureau has 30 days for validate debt on credit report. Additionally, Under FCRA unverifiable accounts must be removed and if you are unable to provide the original application, accounting of collections account, and original agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXXXXXX 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 XXXXXXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX : {$270.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$510.00} ; 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
Product: Credit reporting

There was a Federal Tax Lien that was removed in XX/XX/XXXX. XXXX made the correction, as well as XXXX. But Equifax never made the correction. In fact, they got the information from XXXX. I called the IRS and they told me that there is not a Federal Tax Lien! 
Here is the info : Federal Lien Released by Internal Revenue Service ( IRS ) Case Number : XXXX, XXXX Circuit Court Issue Date XX/XX/XXXX Amount : {$3500.00} Release of Lien Date : XX/XX/XXXX XXXX and Equifax are reporting that I have a Federal Tax Lien, but there is no lien! 
The IRS Lien department phone number is XXXX to verify any liens with the IRS.
Product: Checking or savings account

On XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX XXXXXXXX perpetuated identity theft and tricked us out of XXXX. I immediately informed the bank of this fraud and was told they'd inform the receiving bank, but the bank, Wells Fargo Bank, XXXX XXXX XXXX, failed to do so, so I was unable to get my money back.
Product: Credit card

I was notified via postal mail that an application was submitted for a Barclays Emirates Skyrewards Premium World Elite Mastercard was submitted in my name and Barclays denies the application due to Debt to income ratio being too high and too many recent applications. I am concerned that someone is applying for credit cards in my name as there have now been two inquiries on my credit report for credit card applications that are not being submitted by me.
Product: Credit reporting or other personal consumer reports

At the time this loan went into default I was involved in a serious auto accident. This left me totally XXXX and unable to return to work at my previous position or any other. It has been XXXX years and this is still showing on my credit report and hinders my ability to move forward in many ways. Between my XXXX and this adverse memo on my credit report it leaves me in a very tight situation. I request that this be removed.
Product: Vehicle loan or lease

Title was initially requested in XX/XX/2022 once loan was paid in it's entirety. I was told to wait two months. Did not receive title nor update. I called again in XXXX, was told to wait a few weeks for title to be received. Once again did not receive title through mail nor any communication or update. I called again on XX/XX/2022 and was told the title was never requested. So I have to wait two weeks for title to arrive to them first before sending it to me. I have now stopped getting responded to through the customer chat service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with The Fair Credit Reporting and XXXX Account Below Has Violated My Rights : 15 U.S.C. 1681 Section 602 A Right to Privacy : 15 U S C. 1681 section 604 a section 2 I also states a consumer reporting agency can not furnish an account without my written instructions Experian : This account is not mine : XXXX XXXX XXXX Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX This account was paid off, should not be there : XXXX XXXX Potentially Negative Account Info Account Name XXXX XXXX  Account Number XXXX Account Type Education Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$3100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$3100.00} I dont recognize these Hard Inquiries, I did not authorize, fraudulent : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX US SM BUS ADMIN ODA Inquired on XX/XX/XXXX US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX Remove those Fraudulent Inquiries XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX REMOVE THIS INFORMATION FROM MY CREDIT REPORT, FRAUDULENT INFORMATION. 
I DID NOT HAVE SOCIAL SECURITY WHEN THIS ACCOUNT WAS OPEN NEVER HAD XXXX XXXX XXXX ACCOUNT XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX CREDIT CARD XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX account # XXXX Account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violated my rights. 

XXXX XXXX Account # XXXX has violated my rights. 


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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Bank ) XXXX XXXX ( Miscellaneous ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Miscellaneous XXXX XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX collection bureau of a 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 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: Credit reporting, credit repair services, or other personal consumer reports

And accordance with The Fair Credit act XXXX  account name and number has violated my right 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  15 USC 1681 section 602a I have the right to privacy 15 USC 6181 section 2 604a also States a consumer reporting agency cannot purchase a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Home loan for XXXX XXXX XXXX, XXXX XXXX, XXXX Florida is still showing as open and active even though we sold the property in XXXX of 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information is being reported on my credit report with XXXX XXXX Transunion on the below accounts. i submitted a written dispute on XX/XX/XXXX via usps mail and have yet to get a response of any kind, they continue to report inaccurate information that is effecting me from obtaining credit. the accounts are below. 

XXXX XXXX - acct # reporting on Transunion shows XXXX - Acct # reporting on XXXX XXXX both inaccurate and do not match. 2nd reporting issue is they are still reporting ( payment history ) and this account has been closed since XX/XX/XXXX. XXXX XXXX Transunion continue to report inaccurate which is against FCRA consumer law. 

XXXX - acct # XXXX submitted first dispute on XX/XX/XXXX no response, this account is reporting payment history inaccurate as well, back in XXXX XXXX XXXX i paid ontime and XXXX reported that but XXXX reported " CO '' how can i be on time and late at the same time? they both reported this way from XXXX XXXX XXXX all the way to XXXX XXXX XXXX. 

XXXX XXXX - acct # XXXX - submitted first dispute XX/XX/XXXX the " Account Status '' is being reported wrong/inaccurate by XXXX &  Transunion , this account was PAID IN FULL XX/XX/XXXX and all XXXX comments state that it was paid but XXXX & Transunion reporting account status " Derogatory status '' which is totally illegal and inaccurate. they are in violation of FCRA this must be updated or account deleted at once. i havent gotten any response from either credit agency.XXXX is the only one that reported accurately with " paid '' in account status. this is effecting me from obtaining new credit.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. I sent to XXXX {$450.00} to my brother, XXXX XXXX XXXX, via XXXX XXXX, on XX/XX/2018. I also sent him the transaction ( XXXX ) number through XXXX to pick up the money. He called me and told me the transaction number was not valid according to XXXX XXXX in XXXX. 
I called XXXX XXXX in XXXX more than three times to inquire about the transaction number, they told me the money was picked up by someone in XXXX. When I asked XXXX XXXX for proof, they declined I would to know what happened my transfer from XXXX XXXX. 

Thank you
Product: Debt collection

I received an earnings withholding order from Mandarich Law Group regarding a debt that I apparently owed from a company XXXX XXXX XXXX from my employer XX/XX/2025. I contacted Mandarich, the same day to inquire about this issue and to try and stop the garnishment. I was advised that XXXX was suing me on behalf of XXXX to which I've no recollection. I've since pulled my credit report & there's not a single collection from XXXX nor this XXXX and any of the 3 of the credit bureau reports. I'm not sure what to do now because a garnishment has hit my paycheck for {$770.00} for which I can not afford. Right now Mandarich will not stop the garnishment, will not provide me with a debt notice it's become their word against mine and i'm pinned to a corner.
Product: Mortgage

Loan servicer marked loan as paid in full XX/XX/year>, but advised that they will not return escrow fund for 30-45 days which is well beyond the 20 day window allowed by your regulations. 

Their response is below when asking as to the timeline of both filing the paid deed as well as the refund of escrow : Greetings! 



Thank you for your email. Please be advised that this loan was paid in full as of XX/XX/year>. 



You can expect to receive your paid-in-full documentation, including the paid-in-full letter and the deed release, within 30 to 60 days after the loan is fully settled.

Please be advised that escrow refunds may take up to 30 - 45 days to receive via mail ( they are sent in check form ). Please note that the exact amount may vary due to potential charges or surpluses may apply. 



To ensure prompt delivery, please double-check that your mailing address is up-to-date : XXXX XXXX XXXX XXXX, PA XXXX Please feel free to contact us at XXXX or by phone at XXXX should you have any questions or need further assistance.
Product: Credit card

XXXX XXXX refunded {$2300.00} to my credit card on XX/XX/2024. I called the credit card company and was told that it would be deposited into my checking account in 3 business days. When that did not happen, I called again and was told that since I had made other charges on the card, that the deposit had been put on hold. I told the representative that I had made payments for those two charges in full, so that the {$2300.00} would not be affected. The last charge to the card was {$6.00}, which will be deducted from the credit balance. Currently, there are two credits to the account in the amount of {$53.00} and {$53.00}, for items that I returned to a merchant. I also redeemed XXXX Reward Points in the amount of {$50.00} in the form of statement credits. Now, the credit card company owes me a total of {$2500.00}. The last representative told me that the first representative gave me false information. She also said that the first representative opened a dispute file, which would further delay my receipt of my refund. I have locked the card and sent a letter, return receipt requested to the credit card company requesting to close the account immediately. I have also sent messages requesting my refund on the website. I have had this credit card for over 20 years. I may end up having to seek legal advice.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Experian credit bureau is currently reporting inaccurate information on my credit report. They have listed a hard inquiry onto my report that I have no knowledge of. It is a hard inquiry from XX/XX/2020 by XXXX. I've already submitted a dispute about this situation and did not receive any response or acknowledgement of it. Since I've submitted a dispute over 30 days ago, I would like for this Hard Inquiry to be removed immediately.
Product: Credit reporting

Experian is refusing to do an accurate investigation. XXXX XXXX company is reporting an inaccurate balance owed on the account. I disputed the information and in XXXX day Experian sent notification that info is inaccurate. Experian refuses to accurately report my information. They are a second rate reporting agency. XXXX is also reporting inaccurate information. I do not have a balance with them. I dropped coursework before the deadline yet they 're reporting that I owe nearly {$3000.00}. It 's as though consumers have no standing against companies reporting inaccurate info And the credit reporting agencies support this mess.
Product: Debt collection

I continue to receive calls from these lowlifes. They are trying to collect a debt with an unlicensed lender, XXXX XXXX that was discharged in my bankruptcy XX/XX/2015 they call my former roommate, call all hours threatening to have my wages garnished, call my employer etc. completely unethical! there are several complaints on various consumer websites. I filed a complaint in GA where they are based, it was a waste of time, they are using a new phone number to harass me as well
Product: Credit reporting or other personal consumer reports

i am in disagreement with the accounts listed below which still appears on my credit report .even after your investigation .i would like these items re-investigated the inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Accordance With The FCRA, Public Law 91-506, title VI, section 611 15 USC 1681 Please provide the names and business address of each individual with whom you verified the information above so i can follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Mortgage

when I asked for payment suspension it was suppose to suspend my payments for awhile and payments to resume back to be the same. Now my payments have went up {$300.00} on my mortgage. My lender is with Wells Fargo
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX is trying to collect {$760.00} from me for my kids service date XX/XX/2023. It's a simple XXXX XXXX visit for both my kids and covered by insurance but they never filed it to the insurance and started sending me amount due letter from XX/XX/2023. I tried multiple times to call them and even had the insuracne company call them once so they can file the claim but they didn't do anything and continued to send me collection letters. I sent them a certified letter XX/XX/2023 asking them to provide me the detailed bill and proof that they have filed the claim with insurance. I didn't get any response to that letter. 
On XX/XX/2023 I went in person to the dental office on XXXX XXXX XXXX XXXX Arizona and they promised that they would file the claim with insurance company. They did file the claim with the insurance company for my XXXX  XXXX  and insurance denied the claim with the explanation that since the provider didn't file the claim in time they can't pay them with with mention of XXXX Patient responsibility. For my XXXX XXXX  no claim has been filed with the insurance company. 
On XX/XX/2023 I have received a letter dated XX/XX/2023 from a debt collector agency Transworld Systems Inc that I owe {$760.00} to XXXX XXXX. At this point this is between the provider and insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. please remove the following items : XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX-MT XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$5800.00} XXXX XXXX Bankruptcy Discharged Reference # : XXXX XXXX XXXX Bankruptcy Discharged Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have these accounts that are not mine and i want them to be removed.

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CHILD SUPPORT ENFORCEM Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Chase Executive Office, XXXX According to the records you have provided many times, the 1st Date Of Delinquency of my Auto Loan was XXXX. 

You are reporting this incorrectly to XXXX, XXXX, and XXXX Credit Reporting Agencies. 

Please remove it from my credit file immediately. 


You have still not provided a payment ledger for all payments made on my credit card you are reporting to the credit agencies incorrectly, the first date of Delinquency was before XXXX and should be reported correctly. 

You are reporting this incorrectly to XXXX, XXXX, and XXXX Credit Reporting Agencies. 

Please remove it from my credit file immediately or provide me with a complete payment ledger from the day I opened the Chase Credit Card. 


XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/year> with American Credit Acceptance and the adverse action taken against me in the denial letter I was sent on XX/XX/year>. The entire application process was discriminatory and deceptive. My application was made in good faith as a consumer credit transaction solely for personal family and household purposes. My signature that was obtained during the application is the value that was given and I have received no equal consideration. The disclosures as well as the terms and conditions during the application process were adhesive and I was unable to negotiate or opt out. 

On XX/XX/year>, I received an adverse action letter stating that my application was denied due to information accessed from my XXXX credit report. The letter was filled with deceptive, vague and contradictory language. ( Ex. The reporting agency played no part in our decision & We also obtained your credit score from the following consumer reporting agencies and used it in making our credit decision ). I contacted the number provided on the denial letter to get additional details and spoke with multiple representatives including XXXX XXXX ( XXXX. of operations ). All of the representatives I spoke with told me that my denial was based on a credit freeze on my XXXX report. I was advised to reach out to XXXX for more information. After speaking with a representative from XXXX I was informed that there was no credit freeze whatsoever on my profile but that there was an extended fraud alert. I was informed that the fraud alert does not effect my ability to obtain credit. It is solely for third party companies who are attempting to check my credit to take extra verification measures to confirm my identity BEFORE completing any applications. ACA did not contact me for further verification before furnishing an inquiry through XXXX report and denying my application although my email address, home address, and phone number were submitted on my application. 
I have attempted to deal with the company personally after speaking to XXXX XXXX ( XXXX XXXX XXXX  ). He refused to give me his work email and instead gave me the general underwriting email. I have attempted to email the underwriting dept as well as the XXXXXXXX XXXX XXXXXXXX with my complaint only to receive " delivery failure '' responses or " mailbox is full ''.