23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, I have been living in the United States for more than 2 years now. I am facing issues with my Credit File Report On XXXX. I am writing this because I have concerns regarding my credit history report with XXXX. I can not access and find my credit history even though I have been in the US for over two years. I spoke with their customer service multiple times in the past four months, and there was no help provided. I am still facing this issue today even after sending the documents requested five times. I have a credit card, and bank account, with a good credit history with multiple organizations like XXXX XXXX XXXX and XXXX. XXXX Please go through my complaint and let me know what's needed to update my credit history I am unable to apply for a new credit card and other benefits because of improper information in my credit history.
Product: Credit card or prepaid card

For more than two years, reporting this account as fraudulent, firstly through XXXX, through Synchrony and through XXXX XXXX with whom I have cooperated directly via telephone and through affidavises including copy of my driver 's license, copy of Police report and sworn statement before a public notary, even so they continue to report this Walmart account # XXXX fraudulently opened XX/XX/XXXX, with a postal address, telephone number and apartment not associated with me as VERIFIED VALID " which is completely Wrong, not even payments and purchases are not related to me or my bank account, as we were able to verify through the documents that XXXX XXXX and Synchrony Bank keep on record and were sent to me as part of the results of the dispute of XXXX / XX/XX/XXXX.
Product: Debt collection

I pulled my credit report and there was an account from Equifant which I never had I have made several attempts to get this resolved because i was a victim of identity theft but nothing has been done.
Product: Credit card or prepaid card

In XX/XX/2019 a charge of XXXX was made to my credit card. I called the company and they cancelled the old CC number and issued a new number and I was told that the fraudulent charge would be cancelled. It wasn't. A new CC was issued and the fraudulent charge was added to the new card. 
I called the company 's security again around XXXX XXXX and I was advised to skip any more payments. I skipped a payment and then I received a letter dated XXXX advising me that the payment was past due, so I paid a double minimum due payment. I called the the company 's security again and I was told that the original security representative had made a mistake and the time period for resolving the problem would take another 90 days. It's been about 90 days, and I am still having to pay the minimum due each month.
Product: Checking or savings account

I have been with Wells Fargo since 2016. Since that time they have opened an account, if not multiple accounts, under my name using my personal information without my consent.
Product: Debt collection

I have gotten several calls from particular number with automated voicemail. Call back and it has voice message of XXXX XXXX and someone else everytime. Couldn't find any info when looking up number. Just got call from a new number and voicemail was left from XXXX XXXX saying to call back. Looked this new number up and people said it was from law offices of XXXX XXXX or National Management Recovery Corp as both have same address. I check mail everyday and I have NOT received anything in mail from either place as far as I'm aware so have no idea what it's for. I'm pretty sure that is required for people collecting debt is to send written letters in mail stating what the debt is, how much etc. The number they call is my only number but I don't answer calls that I don't know or don't know what they are for and in this case after finding out who they are I'm not going to answer and talk to someone about supposedly a debt that I have no written proof they have and have no idea what it is for. Have called several different times now. Don't want them to start calling other people that I don't live with.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I requested current balances and statements. I'm still not getting statements, but I can get a printout of my payments from the website. I make monthly payments of {$300.00} per month. The payments ARE NOT being reported to the credit agency. Only the original amount of the loan shows and no matter how much I pay the company will not report the reduction in my balance. I am only asking for TRUTH IN LENDING. Report my true balance or remove the " balloon payment '' comment from my credit report. XXXX XXXX XXXX ( Phone XXXX ) Loan Number XXXX.
Product: Debt collection

Medical Data Systems has continously placed collections accounts on my credit report between the XX/XX/XXXX and XX/XX/XXXX.  On several different occassions I have disputed the charges because of errors in billing by XXXX XXXX and the accounts being sent to collections before the federally regualted 120 days. On several occassions the results ofnthe disputes have requried that Medical Data Systems remove the collections accounts. The accounts are then removed but after few months the accounts are added but the origianl creditor has been changed from XXXX XXXX to XXXX XXXX. I have contactd XXXX XXXX and they have confirmed that no balance is due at this time. In addition to the disputes, several of the accounts have been paid in full to the original creditor and the legal owner of the collection accounts which is XXXX XXXX XXXX. For example one of those accounts is a medical bill with a balance of {$67.00}. This account balance was paid to XXXX XXXX via personal check and proof of verification was provided to Medical Data Systems but they still refused to remove the account as requested by XXXX. After speaking with XXXX on several occassions they stated that they were still the legal owner of the account and that the acocunt was sent to Medical Data Systems for collection purposes only. I then  contacted Medical Data Sytesm and requested that provide me documentation whichs states that they are allowed to post information on the three major consumer reports on behalf of XXXX and they refused to provide me any documentaion They then stated that no document existed and that they were contracted by XXXX to collect debts. 

I then inquired about validaiton of the debt and Medical Data Systems mailed me copies of my hopsitla bills with all my patient information including services provided by my medical provider. Under HIPPA Act of 1996 Regulations, XXXX XXXX was provided authorization and.or permission to have access to my perosnal medical information. Without my personal medical information Medial Data Systems would not be able to legally collect any balanced owed. They would also not be able to provide the needed information to get the debt paid.
Product: Credit reporting or other personal consumer reports

I would like to express my deep concern and frustration regarding the ongoing issues with late account openings, despite our repeated attempts to rectify these matters. The persistent occurrence of late accounts opening not only disrupts our operational efficiency but also reflects poorly on our organization 's commitment to providing timely and reliable service to our customers. I urge you to conduct a thorough review of our account opening procedures and systems to identify any underlying issues or deficiencies that may be contributing to the persistent delays. It is essential that we implement robust controls and enhanced monitoring mechanisms to ensure that accounts are opened in a timely manner and in accordance with regulatory requirements. Additionally, I encourage you to prioritize customer communication and support throughout this process, providing clear guidance and assistance to those who have been impacted by late accounts opening. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}.
Product: Mortgage

I applied for a mortgage with USAA. I was preapproved for $ XXXX. I purchased a home for much less than that at $ XXXX. I had several issues with my loan processor and most importantly with her supervisor in bullying/insisting that I sign a waiver to my right to my appraisal within the allotted 3 days before closing timeframe or they would push back my closing. The appraisal was requested on XX/XX/XXXX. It was initially received on XXXX and it appraised for less than list. Keep in mind that the home was built in XXXX at XXXX sq feet. The average price for homes of that size in the area are north of $ XXXX XXXX zip XXXX ). 
My first complaint is the appraisal process -- these homes should not go into " XXXX '' which is not a TREC term but a SA term because of the high number of appraisals undervaluing the homes even though comparables support the list prices. I feel this is modern-day " red-lining '' to keep certain XXXX groups of middle income from buying in up-and-coming neighborhoods. 
2. My second complaint is the legality of USAA forcing applicants to sign a waiver to receive their appraisal report within the legal time limit. I have emails and documentation to support all of my complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a large delinquent balance that is being addressed during my divorce. It should total around $ XXXX in cc charges. I noticed several months ago Transunion is reporting my delinquent amount as $ XXXX! They are reporting the original account AND the purchased account from the debt collector doubling everything that appears on my report. XXXX is starting to do it as well. Once the account is purchased by the debt collection company it is no longer delinquent with the original creditor and therefore should switch the original account to closed not delinquent. I have reported and requested more than once for this to be corrected. I also requested a refund for some profile fees Transunion charged me that I was not aware of and then could not investigate since they locked down my account and it took me three days and 8 hours of phone work to get a human on the phone. This is ridiculous! 
* XXXX also had me locked out of my account for months with no resolution until I sat on the line for hours on end waiting for an agent to assist me. 
It is unbelievable that these companies are in charge of our lives and yet get away with shady practices, mistakes, stealing- and they aren'y even secure, I should have stacked up a few more years of identity theft protection VIP services because I have been included in so many hackings through the credit bereaus. By the way, if I read the history correctly no one legally appointed these businesses to the throne they anointed themselves the keeper of all the knowledge. In my book, without my permission, they are essentially the biggest identity theft hackers and stalkers in the world, I want my private and confidential information removed!!! I do not trust these crooked corporations! 

And finally, they all show us a number sometimes two when we log into these credit profiles. These numbers are supposed to represent our credit scores. Except, these three almight big brothers can't agree with each other what our scores are, AND ON TOP OF DISPLAYING ALL DIFFERENT RANDOM NUMBERS, when you try and purchase say a car, the loan agent comes back with yet a different number that supposedly is your real credit score, it's always lower than what you have been told, and no one knows why. 

Lastly, XXXXXXXX XXXX XXXXXXXX XXXX is a scam. None of the " XXXX  '' they found on my account were ever actually applied to my score positively or even showing on my account as far as I can tell. that is flat out fraud and disception.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE PEOPLE AT EXPERIAN TRY TO EXTORT ; PEOPLE INTO EITHER BUYING PROTECTION YOU DON'T NEED OR THEY FAIL TO RESPOND TO PROBLEMS. 

I ONLY NEED TO TEMPORARILY LIFT A FREEZE SO THAT MY CREDIT UNION CAN CHECK THIS XXXX REPORT. I TOLD THEM CHECK XXXX OR XXXX XXXX RATHER THAN GO THROUGH THIS XXXX. 

BUT NO, THEY HAVE A " CONTRACT '' WITH EXPERIAN, AND THAT EXPLAINS IT. THEY ARE SO XXXX CHEAP AND THE SERVICE FROM THIS COMPANY IS HORRID. I CALLED SEVEN TIMES AND THE CALL GOES AROUND IN CIRCLES. YOU ARE KEPT ON HOLD FOR THREE MINUTES AND THEN THEY DISCONNECT IT. 
NO MATTER WHAT YOU CALL. 

I WAS ON CHAT AND IT KEPT HOLDING AND HOLDING AND THEN FINALLY THEY DISCONNECTED ME. 
THIS IS SO THESE GREEDY, PATHETIC XXXX CAN EXTORT WE CONSUMERS INTO PAYING FOR WHAT WE SHOULD BE GETTING FREE. THIS PEOPLE XXXX UP AND GOT HACKED AND NOW THEY WANT US O JUST DROP WHAT EXPERIAN OWES US FOR THEIR XXXX UP IN LETTING OUR PRIVATE INFO GET HACKED. 
PLEASE WILL YOU CONTACT THESE GREEDY XXXX AT EXPERIAN AND TELL THEM I AM TRYING TO NO AVAIL TO CONTACT THEM, BY PHONE, BY CHAT AND BY EMAIL AND THEY ARE DELIBERATELY AVOIDING THE CONTACT. IF THERE IS NOBODY THERE, THIS COMPANY NEEDS TO DISSOLVE ITSELF.
Product: Credit reporting or other personal consumer reports

I have received a letter from the creditor and they said they have deleted this from my report
Product: Credit card

I received a Chase Freedom Flex credit card in the mail that I did not apply for. I called Chase, XX/XX/2023 at XXXXXXXX XXXX, they said they would close the account. I asked how was the account opened and when? They could/would not answer. We had received a few emails from Chase a few days earlier about a checking account, we thought they were SPAM and sent them to JUNK. I dont know if someone used my name to open the account or if someone from Chase opened one for us in hopes of us just accepting the credit card and activating it, and them getting the incentive pay for signing us up. This needs to be invetigated. Thank you.
Product: Debt collection

Service provider, XXXX XXXX XXXX XXXX is double billing for a procedure. Since the second bill is false as I did not have XXXX identical XXXX on the same day at the same time at the same facility by the same or different Doctor ( s ). The service provider, XXXX XXXX XXXX XXXX has submitted the second false/fraudulent procedure to my insurance provider, XXXX XXXX of California and consequently XXXX XXXX XXXX XXXX has submitted this false claim to a collection agency, CMRE Financial Services to collect for a procedure that never happened. I need the harassment and threats to damage my credit from CMRE Financial Services to stop, I need XXXX to understand the second claim was fraudulent and I need XXXX XXXX XXXX XXXX to stop double billing so this matter can be expunged from all data bases.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX, Mo XXXX ] [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ] [ XXXX, MN XXXX ] Subject : Formal Dispute of Debt Pursuant to the Fair Credit Reporting Act ( FCRA ) and Missouri Consumer Protection Laws To Whom It May Concern, I am writing to formally dispute the debt that your company, XXXX XXXX XXXX, XXXX, is attempting to collect and has reported to my credit report. As a consumer protected under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ], and Missouri state consumer laws, I am requesting that you immediately cease all collection activity, correct any inaccurate reporting, and provide the following documentation : 1. Proof of License & Registration XXXX XXXX XXXX, XXXX is not licensed or registered to collect debts in Missouri as required by Missouri Revised Statutes XXXX et seq. ( if applicable ). Under Missouri law, unlicensed collection agencies can not engage in debt collection activities, including credit reporting. Please provide evidence of your valid license to collect debts in Missouri. 
2. Validation of Debt Under 15 U.S.C. 1692g ( b ) of the FDCPA, I request full validation of this alleged debt, including the original creditors name, the itemized breakdown of the amount, and any signed agreements proving my obligation to pay. Failure to provide this documentation within 30 days will be considered an admission that the debt is invalid. 
XXXX. Immediate Removal from My Credit Report XXXX XXXX XXXX XXXX, XXXX does not have legal standing to collect in Missouri, any reporting to my credit file constitutes illegal and inaccurate reporting under the FCRA 1681s-2 ( b ). You are required to correct or delete this inaccurate information from my credit report immediately. 

If you fail to comply with these requests, I will have no choice but to escalate this matter by filing formal complaints with the Missouri Attorney Generals Office, the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ). Furthermore, I will explore legal action for willful violations of federal and state consumer protection laws, including seeking damages for any harm caused by your unlawful actions. 

Please provide a written response confirming the deletion of this account from my credit report and cessation of collection activity. You may send your response to the address listed above within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX
Product: Mortgage

On or before XX/XX/XXXX, I contacted Select Portfolio Services asking about the maturation date of the loan. They told me XXXX. I told them that can't be right because I brought the house in XXXX. However, she told me I received a loan modification in XXXX. I never had a loan modification in XXXX it was XXXX. So, I asked for all the paperwork and they didn't send it. I have requested all my paperwork for the XXXX time. I received 3 years of payments and the amounts were changed... Showing, XXXX XXXX XXXX  placed at the end of the loan. I asked her where did the XXXX additional years come from because I did not agree to that and had no knowledge of that amount. She started ro make excuses telling me that they didn't own the loan because XXXXXXXX XXXX owned the loan. I was told my loan was transferred to SPS and now they're telling me that they are not responsible for anything and not the owners. I have been making payment to SPS and all the paperwork comes from them. They have fraudulently placed an additional XXXX  years on to the house plus a XXXX XXXX XXXX  at the end of the loan.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report regarding the account listed below. This dispute is made under the Fair Credit Reporting Act ( FCRA ) and other applicable federal regulations. 

Account Information : Creditor Name : Consumer Portfolio ServicesAccount Number : [ Insert Account Number, if available ] Last Reported Date : XX/XX/XXXX, XXXXReported Balance : $ XXXXHighest Balance : {$21000.00} Disputed Issues : Charge-Off and 1099-C Reporting : Applicable Laws : 15 U.S.C. 1666b, 15 U.S.C. 1681i, 15 U.S.C. 1681s-2 The reported charge-off and associated 1099-C form appear inaccurate. If a debt is deemed canceled and reported via a 1099-C, it should no longer be reported as due. Please delete this charge-off entry and provide documentation of the cancellation or updated reporting.

Late Payments : Applicable Laws : 15 U.S.C. 1666b, 15 U.S.C. 1637 ( b ), 15 U.S.C. 1681s-2, 15 U.S.C. 1681i Late payments have been reported inaccurately or beyond the allowable time frame. Per FCRA and billing dispute resolution laws, I request the removal of all late payment entries related to this account.

Collections Reporting : Applicable Laws : 12 C.F.R. 1006.34 ( c ), 12 C.F.R. 1006.6 ( c ), 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681s-2 ( a ) The collection entry associated with this account is inaccurate and does not comply with required validation standards under FDCPA and FCRA. Please delete this collection entry and provide documentation confirming its accuracy.

Supporting Documentation : A copy of my credit report highlighting the disputed items.

[ Include any relevant supporting documents, such as payment records, correspondence with the creditor, or the 1099-C form. ] Requested Action : Remove all inaccurate or unverifiable entries related to charge-offs, late payments, and collections.

Conduct a thorough investigation of these disputes and provide written confirmation of the actions taken within the time frames required by law.

Update my credit report accordingly to reflect accurate and compliant reporting.

Additional Details : The account has been reported as charged off with the following remarks : Charged off as bad debt ; Profit and loss write-off. I have identified discrepancies in the reporting timeline and the handling of this account. Additionally, I have paid off 24 % of this loan, and this should be accurately reflected in all reporting. 

If you require further information or documentation, please do not hesitate to contact me. I expect a response and resolution within the legally mandated timeframe. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I sent a certified letter of cease and desist all forms of communication with me as related to this alleged debt. The letter was sent certified mail, signature required for delivery. The letter was received by Citibank representatives on XX/XX/XXXX @ XXXX am and stamped received. On XX/XX/XXXX I received a XXXX envelope, ( see attached tracking information, sent to me by Citibank Group ) sent 2nd day air. That tracking # is XXXX and was delivered to me on XX/XX/XXXX. Inside was a letter from Citibank, acknowledging my cease and desist letter and would not longer contact me about your ( alleged ) past due status on your account. Also, Citibank acknowledged receiving my request to cease and desist in this letter and stated they would not reach out to me, contact me further. 
Today, XX/XX/XXXX Citibank violated my cease and desist demand after acknowledging receiving such in there letter received XXXX day air as noted above dated XX/XX/XXXX and received by me on XX/XX/XXXX. 

Citibank, after acknowledging my demand to cease and desist letter, called my home XXXX today, XX/XX/XXXX ( 5 ) FIVE TIMES just today! The times they called today were XXXX am, XXXX am, XXXX am, XXXX am and XXXX pm all Eastern standard time. This is in violation of my rights Pursuant to the Federal Fair Debt Collections Practice Act ( 15 USC, 1692c ).

This recent attempt to continue to harass, intimidate and cause me anxiety and distress is unacceptable and unethical behavior and practices of Citibank. 

Im asking this agency to hold Citibank accountable for their obvious, intentional and illegal practices of continuing to contact me even after receiving my letter of demand to cease and desist, received by Citibank officially with signature verification received on XX/XX/XXXX @ XXXX am then receiving a letter from Citibank sent XXXX 2nd day air with tracking information provided from them, Citibank, actually acknowledging they are in receipt of my cease and desist order and stating they would not longer contact me is just unacceptable. They lied and blankly ignored my rights to not contact me and more importantly, ignored the law Ive stated above. Again, Im asking the department of consumer affairs to take the appropriate action and hold Citibank accountable for their illegal practices. I would also want this complaint forwarded to the Federal Trade Commission and any other agencies that could also take action against this company, Citibank.