23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I 've contacted MCM via certified letter on XX/XX/XXXX about the inaccurate information that was being reported on my credit. I ask for Validation of account, on the first attempt the sent me a letter with the creditor, account number, charge off date and charge of balance. In a second letter I explain that the the information that they are reporting is in accurate and incorrect. I received another letter on XX/XX/XXXX with a copy of a statement, with a previous balance of XXXX, pass due amount of XXXX, fees charges of XXXX and interest charged of XXXX The original credit limit was XXXX, but says new balance is XXXX. I asked that they show purchases when and where, payments made to the account, ect. They stated they have notified the 3 credit bureaus to change status to DISPUTED. Due to a government hack in 2016, I 've had to make sure all credit info and accounts are accurate an are my account. This account has been paid through another collection agency, but now I have MCM and another company trying to collect on the same debt. I just want the matter resolved, and handle. And my information to stop being sent to different collection agencies trying to collected on a debt that has already be paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

My medical provider XXXX XXXX XXXX in XXXX billed the wrong insurance company. Upon my visit I provided the correct card " before '' entering, they made the usual copy and thought all was good. Around 12 to 18 months later we get a bill and it stated the insured wasn't covered which was true because I know longer worked for the same company. I called XXXX, reminding them that they used the wrong group ID and member number and once again I gave them the same card information as stated above with the " correct '' insurance and member ID. They continued to send bills with the incorrect insurance company, this went on for months and we tried to resolve this. I offered to pay what the negotiated amount would have been ( once insurance adjusted their fees ) which would have been 10 % or so from our plan. They turned this over to a collection company XXXX XXXX XXXX. After the second call with them, they accepted my explanation and said I would not hear from them anymore however the damage has been done because they but a derogatory mark on my credit rating which stood at XXXX for over a decade done to the 630 area. I tried to resolve this with TransUnion and XXXX   with no resolution and for the first time I have to turn to CFPB for some help in getting this resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX of XXXX XXXX the manager in fraud with XXXX XXXX stated this account is not mines he has no record of this account at all. This account was verified numerous times and I told Experian multiple times this account was fraudulent. They kept it on my credit report for a year almost reporting fraud. Both XXXX XXXX and Experian are reporting an account that was open fraudulently harming my credit resulting in me getting many denials and inquiries because of the payment history. Ill will show all the screenshots I have taken of my credit to prove I tried to get this account removed multiple times and tried various ways to get it removed. I also spent XXXX hr XXXX mins on the phone with them to get no results but ran around to 5 different departments. Just for them to say call Experian to have to remove it we cant do anything for you. We dont deal with credit reports is what The manager stated of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Checking or savings account

When I tried to access my online account there was a message that I had to call the credit union for assistance. When I called I was told that there was a permanent block on my account because of returned ACH transactions. I told them that there should have been only 2 ACH transactions that I authorized or imitated. One with XXXX XXXX which was returned due to account frozen and a transfer from my XXXXXXXX XXXX account to bring the account back into a positive. All other ACH transactions were done by the credit union without my authorization probably again to XXXXXXXX XXXX after they already knew that the account was frozen. Now I'm being penalized for repeated returned ACH that I XXXX not authorize nor was informed about. My funds in the account have been brought to a negative because of repeated attempts to perform an ACH with XXXX XXXX that was once returned for account freeze that has been on the account since XX/XX/2022.
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.

1. ) XXXX XXXX XXXX XXXX : # XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any ot
her 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

I have been disputing 2 accounts on my credit report since XX/XX/XXXX! These items should NEVER have been reported the way that they have been! After over 2 years of disputing, these needs to be completely corrected and/or removed immediately!
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I recently received mail from Transunion and notification from my credit monitoring of verified negative account on TRANSUNION. There is still negative information reporting ALLEGEDLY by U.S. District Court in the file TRANSUNION maintains under my social security number. Upon ordering a copy of my credit report, I see an entry from TRANSUNION reporting " BANKRUPTCY : XXXX XXXX, with Reference # XXXX / Closing Date : XX/XX/2017 / Court : U.S. Bankruptcy Court ; I am unaware of this account. I did request an investigation over the course of 90 days with Transunion, however Transunion continues to verify said account without verified, validated copies from the Court associated with this account bearing my signature. In the absense if any such documentation bearing my signature, I demand that this information be immediately delated from the credit file Transunion maintains under my social security number. Transunion continues to state my credit profile was properly investigated but how is that possible if the dates, the Court and names are inaccurate, and the Court clerks and secretaries state they do not share court information with credit boroughs. This is grounds for immediate removal because my rights are being violated. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1691 Section 602 A Section 2 : states a consumer reproting agency can not furnish an account without my written instructions. Also Transunion took more than 90 days to complete my investigation please see attached USPS certified mailing tracking # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Equifax Credit Bureau regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( 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 Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax Credit Bureau has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two credit inquiries on my credit report which I didn't authorize and are a result of someone using my name and personal information. The two fraudulent credit inquiries are : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX is reporting a negative mark on my credit report which was a result of identity theft. They sent me a letter stating they can not validate the debt, they have refused to sign a sworn affidavit stating that the account in question was mine and that they have a signed contract with my wet signature along with the wet signature from someone in their company.
Product: Mortgage

I pay the mortgage using online banking via XXXX XXXX XXXX. I always schedule the payment to be the last day the mortgage service lists on billing statement. If this day is a non-business day, I schedule it on a banking business day prior to the last day. The last day is usually the XXXX of the month, and most of the time it falls on a business day. 
When I scheduled a payment for XXXX XXXX ( a Tuesday ) on Monday XXXX XXXX morning, I found out the Monday the XXXX was a holiday and my payment would not be processed until XXXX XXXX. I have XXXX mortgages to pay. XXXX of mortgages are with XXXX, XXXX with Nations Star, and XXXX with XXXX. I went to each website and paid the mortgage online at each of these sites ( i.e., XXXX, Nations Star, and Cenlar ). Only XXXX XXXX charged me a {$9.00} transaction fee because it was after the XXXX of the month. 
I did protest this with Nations Star at the customer service link on their website, but they refuse to refund me the fee. 
In my opinion this fee is illegal and I should be refunded the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently came across multiple unauthorized and erroneous items on my credit report. These items have had a severe negative impact on my credit score and have caused significant financial harm. Specifically, my credit report contains several fraudulent credit accounts that I did not open, as well as charges and loans that I never initiated or received. The cumulative value of these fraudulent items is substantial and has seriously affected my credit score. Kindly review the details below : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX OF XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I have taken proactive measures to dispute these fraudulent items with both the credit reporting agencies and the concerned creditors. Regrettably, despite providing supporting documentation and evidence of the fraudulent activities, I have not received a satisfactory resolution. These items persist on my credit report, causing ongoing damage. I strongly believe that these fraudulent items are a result of identity theft, which deeply worries me in terms of its potential impact on my financial well-being. Enclosed are copies of the dispute letters I have sent to the credit bureaus, along with documentation substantiating the fraudulent nature of the contested items. Despite this compelling evidence, the credit bureaus have failed to conduct a proper investigation into my dispute and continue to report the fraudulent items on my credit report.
Product: Debt collection

one of the person calling threatening asking my identity and name and social security numbers phone number was XXXX receivable management LLC
Product: Mortgage

My mortgage was bought from XXXX by SLS in XXXX. Since then I 've had nothing but issues with them. They charge {$9.00} to take a payment over the phone and refuse to accept my electronic payment. They refuse to send me any kind of statement as to escrow, account payoff, or how much my payment should be after tax adjustment. They are rude on the phone and the only time I could get any information from them is when my bank called them. They refuse to give out information to anyone but a bank or a lawyer. I 'm the customer do n't I have any rights when it comes to my mortgage? They claim that because I filed for bankruptcy, which was XXXX in 2014, I have no right to any statements. However XXXX, the original lender, sent me statements each month. How do I know if SLS is living up to the mortgage modification if they wo n't give me any statements?
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received an alert from my bank and all 3 credit bureaus that a new credit inquiry was made by XXXX XXXX XXXX  on XX/XX/XXXX. I do not bank with them nor do I plan on doing so. I'm worried someone has my PII and is trying to open up an account so I called Transunion first to file a dispute and freeze my account. They said I would have to also obtain a ftc report in order for the inquiry to be removed. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  XXXX XXXX Account : XXXX XXXX Account : XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : 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.
Product: Student loan

I consolidated my graduate loans with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/2009. Apparently, my loans were transferred to several Service providers and consolidated again. Navient is now telling me that I owe twice as much. I have sent proof from my school showing that I only owe half of the amount Navient claims. I have repeatedly tried to get them to investigate and even got in touch with the Ombudsmen. Apparently, the Ombudsmen work for Navient. 
I have called and called and called and am continually transferred from one department to the other. 
I can not get anyone from Navient or the Department of Education to thoroughly investigate my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying my loan. XXXX XXXX XXXX XXXX applies the payments to a different account and reported me late to all three credit unions.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from this account. Block and remove it. 
( Original Creditor : XXXX XXXX ) XXXX Balance : {$140.00}
Product: Student loan

I have been pating {$15.00} a month that automatically comes out of my account every month for over a year. My payments are low due to my income. XXXX 2017 they raised my payment to {$51.00} without any notice or warning they took it out of my bank account when I called them they told me that recalculated my payments so my loan would be payed off in 14 months which is my time limit. I was never told I had a time limit. They said I could n't do time forbearance because I did n't have any left. They said I couldnthink lower my payment back down cause I only have {$780.00} left to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

The fraudulent account is on my consumer report. It need to removed as soon as possible. There is no 3rd party. I am human. There has been the following account that are not authorized under my consent or written approval. I have filed a FTC report regarding this manner. It needs to be attended this manner as soon as possible.
Product: Credit reporting

On XX/XX/2017 I faxed a dispute letter to Equifax regarding reinserting previously disputed and deleted addresses without notifying me of doing so in writing within 5 business days of reinserting them and they ignored my dispute letter. I have again faxed them a dispute today XX/XX/2017 but to ensure that they properly acknowledge my dispute I want to file this complaint as well. I received a copy of my credit report dated XX/XX/2017 with XXXX previously disputed and deleted addresses reinserted on my credit report. I am requesting that they REMOVE ANY AND ALL INFORMATION THAT HAS BEEN PREVIOUSLY DISPUTED AND DELETED ESPECIALLY SINCE THEY HAVE NOT NOTIFIED ME OF REINSERTING THE INFORMATION IN WRITING WITHIN 5 BUSINESS DAYS THEY ARE CLEARLY IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Debt collection

A debt collector is demanding payment of a 2011 weed abatement lien for the City of  XXXX FL. I told them in writing I sold the property over a year ago subject to all the liens so the debt is no longer mine. They verified with the city that the debt WAS mine when it was incurred. 
I called the city tax collector office and the gentleman wanted to know whose authority were these debt collectors going under? 
I 'm sure they bought my account cheap from a previous collector who appropriately ceased contacting me years ago.
Product: Credit reporting or other personal consumer reports

Since 2019 I have been trying to get PNC Bank to remove their derogatory comments of non-payment from the credit report. The charges were due to identity theft and fraudulent charge activity. I provided detailed information including a sheriff 's report, a police report with the name of the police officer, factual information demonstrating that I could not have made the charges, and an FTC report. I have interacted with PNC Bank many times without success or resolution.

I have requested the investigation information that PNC Bank fraud investigators have accumulated under the FCRA policy, i.e. ; I am entitled to that information so that I may respond directly to the incorrect information obtained and for which the denial to remove their derogatory comment is based from my credit report. 
PNC Bank CEO has refused to provide that information and his representative has informed me that I would require a subpoena and letter from my lawyers. This is incorrect as I am entitled to that information, to dispute PNC Bank 's incorrect information
Product: Credit card

XX/XX/2023 I opened an unsolicited " activate your card '' from my Citi Costco Visa. I did not request a replacement to be sent. Upon opening the letter I immediately noticed a man 's photo instead my photo on my CC. I notice many other wrong, fraudulent, misrepresentation of " Citi '' logo and phone numbers. I have a habit of saving the credit card activation page. When I activate my card I write the day and time on the page and save it until the next activation comes. I drove to the nearest Costco to show them what I had discovered. The young lady was dumb founded. She had never seen anything like it. She said it would be a Citbank issue. I went home called Citibank and asked fro the fraud department. I got a customer service representative who deals with fraud. She checked my account, as I did, to see if there were fraudulent charges and there were not. So, to her the issue was resolved. I still had a fraud issued. Discouraged, I put to rest until the next morning. I began with Citibank only to be told it had to be mistake by the person working in the Costco member photo department, not the issue. I called the Costco membership XXXX XXXX. I get XXXX. She turns out to be the most helpful and the first individual who understands what I am saying to her. She recommended I change my member number and she emails me the shopping history associated with my member number. She cancels the existing member number. She recommends I call Citibank to change my CC #. I do Citibank and speak with XXXX. I explain my situation she sort of understands. She issues me a new a card. I still have a fraud issue which remains unsolved. I call the police department. XXXX XXXX issues and evidence report # XXXX.
Product: Credit card

I bought a computer from XXXX XXXX on XX/XX/XXXX on credit with a 12 month interest free. The account balance was fully paid for end of XX/XX/XXXX. More than one year later, I received notification dated XX/XX/XXXX that my account was past due. I immediately inquired, I spoke with an employee by the name of XXXX employee # XXXX I was given a reference # XXXX pertaining to my complaint and request. I was told that I was charged {$53.00} for an annual renewal fee for a software or service. I explained that I did neither approved it nor made aware I was buying any subscription at the time of the computer purchase. I wanted the charges reversed. She ( XXXX ) was unable to reverse it but would submit it to the appropriate department or person in the chain of action. I believe, at that time I also requested that the account closed. A few months later, I was notified again of a balance I called spoke with XXXX XXXX, I was told to call XXXX XXXX, XXXX XXXX told me to talk to XXXX XXXX conversations and attempts went back and forth. I have wasted numerous hours to no avail. Lastly, a letter dated XX/XX/XXXX informed me that Midland Credit Mgmt was the buyer of my account. I communicated with XXXX and XXXX XXXX # XXXX frustration continues. They claim not to have access of history which contrary to my conversation with XXXX. Please help!!!