23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am XXXX patient account number XXXX all bill i paid on time, but they send to collection without any notice, I paid full amount on time to XXXX not to collection, I heard they send statement to wrong address, that is not my mistake, I used only XXXX mailing address that is XXXX XXXX XXXX XXXX # XXXX, this mailing address more than 4 years in patient file, in the time of ER why they used other addressee I do n't now. I talked to XXXX, XXXX XXXX XXXX XXXX they said we got this information from XXXX XXXX XXXX XXXX, I called to XXXX XXXX XXXX XXXX XXXX they told me ( you update your address after statement ) but I got call from XXXX In XXXX 2015, they told me this bill from XXXX, that is way I called to XXXX to correct the own problem b/c they used wrong addressee, when I got the statement I paid unpaid balance full to XXXX not to collection. 
Because of them my credit report is damaged, I need correction from XXXX XXXX XXXX XXXX and XXXX to fix my reportXXXX/ XXXX/XXXX take responsibility, I am not responsible for late fee, they never send to me any statement to me, I do n't now my credit card number too from them. 
Please clear my credit report in right way I am not responsible for above mistakes
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Vehicle loan or lease

There is a difference between the amount that I got in the new loan and what was paid in the second company. 

I had a balance of {$22.00} XXXX with Ally my first lender. 

My second lander XXXX paid to Ally on the XX/XX/24 the total of {$22.00} XXXX Difference = {$590.00} There is a balance there that it counts on my second lender, but it was not owed on Ally. 

It was clear, and I was not informed how the difference occur and how it will be paid back to me or deducted from my second loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMID THE INVESTIGATIONS UPON EXPERIAN AND THEM BREAKING FEDERAL LAW AND THEIR OWN POLICY ; per looking at my report I found many accounts reported by them inaccurately. they have federally violated the law by reporting these negative accounts. 
XXXX XXXXXXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX -XXXX XXXXXXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX -XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681b - Permissible purposes of consumer reports ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

THESE NEGATIVE ACCOUNTS WERE REPORTED WITHOUT MY CONSENT AND INFRINGE UPON MY PRIVACY
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaints regarding fraudulent items on my credit report, which I have attempted to have removed multiple times. Despite my repeated efforts, this marks my fifth attempt to resolve this matter, and I am reaching out from you for assistance. Unfortunately, my efforts have been unsuccessful, and the fraudulent items remain on my report, causing significant distress and impacting my financial standing. Given the persistence of this issue and the lack of resolution, I am now seeking your intervention. The fraudulent items are not only inaccurate but also damaging to my credit score and overall financial health. I have attached copies of all relevant correspondence and documentation related to my previous attempts for your reference. I respectfully request that you would take action to ensure that these fraudulent items are investigated and removed from my credit report as soon as possible. I am available for any additional information or documentation you may require. Please help me delete the following fraus items now : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Company has charged off account and the credit bureau has only updated the balance to {$0.00} on XXXX XXXX but XXXX and XXXX have not updated, I sent proof of 1099-c
Product: Debt collection

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you claim I owe. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Additionally, please be advised if XXXX XXXX XXXX XXXX XXXX has or continues to report invalidated information to any of the three major credit agencies ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. As such, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for violating the FDCPA and defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2018 and XX/XX/2018 I notice AD ASTRA RECOVERY SERVICES balance {$330.00} on my XXXX XXXX XXXX XXXX credit report. I faxed over a letter requesting a contract bearing my signature to support this claim. I do not recall any account with this company. I would like this account remove due to the company failure to provide me with verification agreeing to this account with AD ASTRA RECOVERY SERVICES.
Product: Payday loan, title loan, or personal loan

I took this loan out on XX/XX/XXXX, I was fired from my employer on XX/XX/XXXX and did not receive any unemployment benefits. After losing my job I was diagnosed with severe XXXX on XX/XX/XXXX I was not able to work due to my XXXX. I was able to call and attempt to negotiate on XX/XX/XXXX which was unsuccessful. After paying off in full all the previous loans I had with this lender they continue to charge me interest after calling in to inform them of my unemployed state. I remained unemployed until XX/XX/XXXX I am currently playing catch up on past due bills that accumulated from being unemployed and battling XXXX for almost tow years. AmeriCash Loans customer service department is rude, uncouth, aggressive people I had to request to speak to a supervisor and spoke when I did it was s supervisor Ms. XXXX, to offer a one time settle payment offer to pay-off the loan # XXXX for {$780.00} She wanted me to settle the debt for {$2500.00} which I declined. I only wanted to pay the amount I did borrow {$1700.00} and asked to settle the debt for {$780.00} Ms. XXXX refused my offer and stated I need to make a payment arrangement to pay additional {$4200.00} which is all late fees and interest. After being a long time customer of AmeriCash Loans I just informed her I will not be working and would only be able to make this one time payment of {$780.00}. The reason I am reaching out to your offices is to see if you can speak on my behalf to only pay the original amount borrowed I paid {$780.00} of the {$1700.00} meaning the remaining amount due would be {$920.00} which I am readily to agree to pay that amount to be officially finished with this rude and unprofessional lending company. so I can no longer have this debt hanging over my head. I have suffered from XXXX  from this aggressive and over charging interest fees pay day institution constanting harrassing me for payment I can not afford I take care of a XXXX XXXX and physically challenged parent who needs me to pay her bills which is over {$2000.00} a don't make enough money currently I as of XX/XX/XXXX but do not get enough income to pay these outlandish fees. Please help me make this offer to pay the {$920.00} balance from the original amount borrowed. I have the payment confirmation number # XXXX for the {$780.00} I paid. Its been over a year and I want to be completely done with this horrible money-grubbing predatory loan lender. I will submit a request until I get some kinda of resolution that is fair and reasonable
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I looked at my consumer report and noticed fraudulent accounts I request that they be deleted I did not give permission to these accounts to be open Nord have any knowledge of these accounts I have attached our documents supporting claim
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Product: Mortgage

We sold our home. During the closing process, our title attorney requested, and received, a payoff letter from Suntrust Mortgage. On receiving this letter, he noted that there was a typo in the through date provided at the start of the letter, but not in the terms listed at the bottom. Given the nature of the transaction, he verified with Suntrust that the payoff amount was correct and the typo would not effect the closing of our home. Suntrust Mortgage assured him that the payoff amount stated in their letter was correct and nothing would hold up the closing of our home. Our attorney verified this on at least 3 occasions, and so we proceeded with the closing and paid Suntrust in full according to the payoff quote Suntrust had given us. 

The next day, our title attorney contacted us stating that Suntrust was demanding an additional XXXX dollars. As we had been assured on several occasions that the payoff was correct and our attorney seemed unclear on why, exactly, Suntrust was requesting additional money, we called Suntrust Mortgage to speak to a representative about this request. After several hours of back and forth and general confusion, we were told this XXXX discrepancy was due to the typo that we were assured would not be an issue. 

After another few hours of explaining this situation over and over to different reps, all who seemed unable or unwilling to forward us to their legal department to dispute this and, instead, continued to inform us that this money was owed because of a typo that we were fully and excruciatingly aware of at this point, we were informed that Suntrust was very sorry that they had made this mistake no less than 4 times over the period of a month but they are issuing a new payoff quote. 

They have yet to issue a new payoff or, in accordance with their own terms also set forth on the initial payoff quote, refunded the over {$100000.00} paid to them so that we can issue them another check. Until this matter is resolved, we can not close on our new home.
Product: Credit reporting or other personal consumer reports

Someone got an auto loan and credit cards under my name. This person recently also used my personal checking account without my consent. When I try to contact XXXX customer support now, they either flat out refuse to acknowledge the fraudulant loan and fraudulent credit cards, or refuse to help with my checking and savings account issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has a service whereby they negotiate better rates from paid services. They indicated that they saved me {XXXX XXXX XXXX XXXX XXXX XXXX  That bill only remained low for XXXX XXXX and now its higher than it was prior to their negotiation. It is now {$140.00} a month and before they started their negotiations it was {$130.00} per month. They are charging me XXXX for what they say they saved me when they have not saved me anything. Ive sent numerous emails because theres no telephone number to call and I have received no response. I dont want them to negotiate anything else for me and I would like to get a refund or at least have them stop billing me for something they never saved me.
Product: Student loan

During the pandemic pause, I paid off a few of my loans. In XXXX of 2023, right before loans resumed, XXXX of the loans I paid off was reinstated with a balance of {$26000.00}, even though I paid it off. It is now back and accruing interest. I called MOHELA multiple times but they have not fixed it. The most recent time I called them was on XX/XX/XXXX and I was on the line for over 1hr. They admitted that the loan was paid off but couldn't figure out why it was back and refused to remove it. Additionally, another loan that had a positive balance of around {$10000.00} now has a negative balance of - {$16000.00}, making it impossible for me to actually pay off that loan.
Product: Mortgage

I am doing a refi on my mortgage with XXXXXXXX XXXX. They contacted my mortgage company Reliance First Capital. They would not give the payoff information to the XXXX XXXX XXXXXXXX. They did not want me to leave, The made several calls to get me to stay. I thanked them and said no thank you. No one signed the email and they just gave me a phone number to call. 

I signed on with Reliance and did not have to go thru this red tape XXXX  Now I switched to another company and they are giving me the run around and XXXXXXXX XXXXXXXX 

Can someone from your office call Reliance and get them to stop all this XXXX  My account number at XXXX is XXXX. 

My RXXXX XXXX account is XXXX - XXXX, XXXX Thank you all very much XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX CARD XXXX Never late on this account. Paid as agreed. On time. 

Over thirty days ago, I wrote to Credit Bureau my disputing letter for account above. As of todays date, Credit Bureau has not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence. 
Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This XXXX mark has come and gone without any response from your office. 
I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that these items have been removed. 

Thank you for your attention to this matter. I await response.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, For the last month, I have been trying desperately to get this company to correct my credit report. The file they have on me is ridden with faulty, inaccurate/incomplete information and I have written to them to no avail. My last letter to them yielded no movement or corrections even though none of the data providers seem to have been contacted by the bureaus when Ive called these data furnishers to verify contact. Apart from that, my new credit report has addition incomplete/inaccurate information. Either the creditors can not verify the address they have on their file for these accounts or this company blatantly violated FCRA. Clearly, on my credit report, they are showing " address identification number : NOT AVAILABLE ''. They are showing " Not Reported and No Data '' as well. These are just some of the proof that this company violated FCRA blatantly! Attached is a copy of the first letter I sent them and a copy of my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have filed a police report and have also put a freeze on my credit. In signing into each credit bureau to create accounts, I learned that the same person who stole my identity and got a personal loan in my name has also created an account with experian and therefore I can not log in. The same phone number and email used on the fraudulent loan account is being used on the experian account. That lets the individual have access to my entire credit history. I have tried multiple times via phone to get to speak with an actual person at experian and there is no options on any numbers to reach a person. There is no avenue online to report this either. Therefore I am unable to notify them of the fraud. Additionally the person who has stolen my identity has the ability to remove the credit freeze and fraud alert.
Product: Debt collection

Allied Collections Service does not own this debt and is still reporting. This debt was sold to XXXX and was paid in fill
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH XX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below was dismissed in court, proving I don't owe the company. I did not consent for this account to be reported on my credit. 

Account Name Account Number XXXXXXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX, are reporting an account on my credit report wrong, the name of the creditor is inaccurate, the account was sold to a different company, EXPERIAN is reporting the account as XXXX/XXXX XXXX, XXXX is reporting the account as XXXX XXXX XXXX XXXX/ XXXX   XXXX and XXXX  is reporting the account as XXXX XXXX XXXX XXXX. Please delete the account as it is affecting my credit worthiness, the FCRA says that by federal law everything on my credit report needs to be 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 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 XXXXXXXX