23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Good evening. 

I am reaching out for help because of the unresolved medical collections that continue to remain on my credit report in the amount of {$2000.00} in spite of me disputing having no knowledge of these companies or services rendered with all 3 credit bureaus in XXXX of XXXX and XXXX, and {$940.00} medical reported today. 

I also disputed unsuccessfully the loan balance appearing for {$4100.00} which should be XXXX balance. I contacted the bank and was told they reported my XXXX balance in XX/XX/XXXX to all 3 credit bureaus. 

There is also a repo reported as a charge off for XXXX XXXX on XXXX but does not appear on XXXX, this was disputed in XX/XX/XXXX and XXXX as incorrect but has not been corrected. 

These unresolved items is attributing to a lowered credit score impacting my ability to attain proper housing and a wheelchair vehicle to transport my XXXX mother. 

Additionally, In accord with law 15 U.S.C which is the FDCPA section 1692c ( b ) please help remove any and all negative items reported by all three credit bureaus as these reportings are a violation of law. 
No prior written consent was ever given to any debt collector to communicate any debt. 

15 U.S. Code 1692c Communication in connection with debt collection ( b ) Communications With Third Parties- Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Product: Credit reporting or other personal consumer reports

My privacy is my right. Anyone who gave you this information is not following the law under 5 USC 1681 ( a ) ( 4 ) and you do not have the right to report this on my credit report. 

Unauthorized reporting in Experian : Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Unauthorized reporting in XXXX Bankruptcy XXXX XXXX XXXX U.S. Bankruptcy Court
Product: Credit reporting, credit repair services, or other personal consumer reports

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : XXXX credit is reporting A fraudulent account also with a pass to balance also as charge off XXXX. Also XXXX XXXX is reporting A fraudulent account I have submit police report affidavit to the credit bureaus and is still not fix the problem or corrected it which is a violation of the fair credit acc.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit File was infested with inaccurate and fraudulent accounts and information being reported without ny authority nor knowledge. I am submitting this Complaint to reqest that the Credit Reporting Agencies remove the disputed accounts and information off of my Credit file, in accordance with the Fair Credit reporting act section 605b. Any and all fraudulent items should be rmeoved from my Credit file. Please remove the following items off of my Credit file as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 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 Balance : {$0.00} XXXX BANK XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022. These items have no rights to be reported on my Credit File, and I need the Credit Reporting Agencies to remove these items as efficient as possible.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$36000.00} XXXX XXXX XXXX  Balance Owed : {$290.00} XXXX XXXXXXXX Balance Owed : {$9600.00} XXXX XXXX XXXXXXXX ( Original Creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

To Whom It May Concern : I am reaching out to request assistance in resolving an ongoing issue with my mortgage company, XXXX in Florida, regarding an escrow analysis. Since XXXX, I have made multiple requests for an escrow analysis, but the company has repeatedly failed to process my request or provide a resolution. 

First Request : I was initially informed that the process would take 30 days. When I followed up, I was told additional time was needed. 
Second Request : I was assured that my case had been escalated and that I would receive a response soon. However, no updates or resolution followed. 
Third Request : I was informed once again that the case had been escalated, and management assured me it would be resolved within XXXX hours. Despite this, when I followed up about a week and a half later, I was told that no escalation had been made on my account. 
When I spoke with management, I was informed that there was nothing they could do and that I would have to wait for my case to be addressed. 

I am deeply frustrated and unsure of how to proceed. Is it legal for the mortgage company to delay my request in this manner? How are they allowed to treat customers with such disregard, especially considering how quickly they act in cases of foreclosure if a payment is missed? 

I urgently need help resolving this matter, as I have exhausted all avenues with the mortgage company. Any guidance or support would be greatly appreciated. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

All transaction from XX/XX/XXXX to XX/XX/XXXX were unauthorized, except for a TELLER withdrawal, {$920.00} XX/XX/XXXX, a TELLER deposit, {$570.00} XX/XX/XXXX, a XXXX Payment, {$190.00} XX/XX/XXXX,  and a XXXX payment, {$30.00} XX/XX/XXXX. I have lost my wallet at either XXXX or XXXX. I`ve filed a dispute twice. The last time with a police report. There was a XXXX transfer that I was refunded for that caused my account to go into overdraft. PNC closed my account. I was told that my disputes were denied because they say that I gave my PIN number out. Why in the XXXX would I give someone my PIN number? I have taken days off of work to try to get this resolved. Over {$2000.00} in charges and nobody can help me. I was told that I would receive a call back by Monday and nothing. I have left multiple messages with the XXXX and I received no call back. Now since my account is closed I can't open a new dispute. This is XXXX! A customer service representative that actually tried to help me out of more then 20 people was going to resubmit the claim, but first wanted to find out what additional information that I could provide to get my claim approved and no one knows. After some research this is not a valid reason and I was told to contact a federal agency. Can someone please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of 2021 My fianc and I went through the pre-approval process for a first mortgage. XXXX  and XXXX came back normal on the credit pull, but my Equifax score came back fraudulent. I have a master card with XXXX XXXX XXXX that should be reporting to Equifax. I called customer service numerous times in XXXX, faxed the necessary documents ( Social security card, drivers license, pay stub, and bank statement showing my loan and social security number ) to Equifax twice. Each time I got a card in the mail sating I had no Credit History. We then spoke with the VP of lending at my bank. He told us the Bank was not reporting my credit info to Equifax. He did an emergency report on XX/XX/XXXX, which was blocked as fraudulent. Based on conversations he and I had with customer service it appears someone else is incorrectly reporting to my social security number and I have no credit history due to the inability of my card to report.
Product: Credit reporting or other personal consumer reports

Experian released information to a lender ( unauthorized ) and, despite having a credit freeze on my account. 

XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX on behalf of XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit card

Its closed charged off account, its illegally on my report and unconstitutional, ,and defamation of character.
Product: Credit reporting or other personal consumer reports

Experian had a data breach in which my information was breached. I would like all the negative history, hard inquiries removed from my credit report due to the data breach. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complaint about corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX and Transunion Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct this late/open account immediately. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The TransUnion and XXXX Credit Bureaus are reporting inaccurate information on XXXX XXXX XXXX. Please change the status to Paid or simply " correct '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here is the list of the erroneous account reporting on my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

* My reports continue to incorrectly show me 30-days past due XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on my Ford Credit account. 
* Attaching letter dated XX/XX/XXXX requesting correction of these items including supporting documents, i.e. bank statements showing no interruption in payments for period XX/XX/XXXX-XX/XX/XXXX. 
* As of XX/XX/XXXX, I have not received a response to my XX/XX/XXXX letter. 
* REQUEST : Please help me get these items corrected on my credit reports.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Subject : Notice of Unauthorized Credit Reporting and Demand for Compliance Reference to Federal and Georgia Laws Dear PROF DEBT, I am reaching out to address a concerning matter regarding the unauthorized reporting of information to my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ) and Georgia identity theft fraud laws.

It has come to my attention that PROF DEBT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent, as mandated by federal and state regulations. Specifically, FCRA Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with Georgia identity theft fraud laws, dictate that consumer consent is a fundamental requirement for any credit reporting activity. 

Furthermore, Georgia law, in conjunction with federal regulations, underscores the necessity of consumer consent for credit reporting activities and establishes clear guidelines for fair reporting practices. The unauthorized access and misuse of personal information, as evident in this case, are deemed unlawful under Georgia identity theft fraud laws. 

I wish to emphasize that I have not provided consent for PROF DEBT to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights and demonstrates a disregard for both federal and state laws, potentially resulting in damage to my creditworthiness. 

I demand that PROF DEBT immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by the FCRA and Georgia identity theft fraud laws. Failure to comply within the stipulated timeframe will be considered willful noncompliance, subject to penalties under applicable laws. 

Compliance with these regulations is not negotiable but a legal obligation designed to protect consumers from unauthorized credit reporting practices. I expect prompt action from PROF DEBT to rectify these violations and respect my rights under federal and Georgia laws. 

This communication is made in good faith, and I anticipate your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

Oh my credit report is showing a credit card for Shell XXXX XXXX Citibank XXXX I do not have a shell gas credit card/Citibank. I did not open An account with them. Do not know why its being reported on my credit. They told me that I do not have an account. And they also said it should not be reported on my credit, but it is. I have a screenshot of my credit report showing it on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions XX/XX/2018 a XXXX XXXX account went into collections. At the time I was under 18 meaning I did not authorize nor sign a contract. Reached out with no avail for validation of debt and did not receive correspondence After 30 days. Identity theft report has been made. I DO NOT RECOGNIZE THIS DEBT, this is FRAUD!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : 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 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

In accordance with the Fair Credit Reporting act 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

Hey I just looked at my credit report and I see that XXXX, XXXX and Equifax is continuing to report inaccurate information on XXXX  account XXXX The date of activity is wrong across all three credit buraus. XXXX shows it as XX/XX/XXXX, XXXX shows it as XX/XX/XXXX, Equifax shows it as XX/XX/XXXX. 

How can this be wrong if all 3 credit buraus get the same information from the same data furnisher? I demand to delete this inaccurate account from my credit file. According to FCRA, I have the right to have 100 % accurate credit file. I have sent letters to XXXX before telling them that this account is inaccurate and they still continue to report it inaccurately. That is willful non-compliance
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update.
Product: Debt collection

this is a follow up on complaint ID # XXXX I had a monitoring service with XXXX XXXX XXXX that I terminated in XXXX of XXXX I had an automatic payment setup for the monthly premium, however after i terminated the agreement and sent a cancelation notice I was told that i owe a late fee of {$49.00} which i did not agree with, I tried to contact XXXX  on several occasion however i was put in on hold and couldn't speak with the customer service. 
I even sent a note in the mail informing them that I do not agree with the balance they thought that i owed them. 
Until beginning of XX/XX/XXXX I received a text message from the following individual XXXX XXXX Zions Debt Holdings, LLC XXXX XXXXXXXX XXXX XXXX XXXX, Utah XXXX XXXX Claiming that my account is schedule to be reported to the credit bureau XXXX and to call and discuss After exchanging few e mails I learned that Zion Debit holding bought the account from XXXX and they added extra fees and interest on top of the original balance of {$49.00} to make to total of {$120.00}. 
after discussion and e mail exchange I got the original spread sheet showing the balance however nothing mentioned about the interest or service fee according to the federal and state of CT law A debt collector may not collect any interest or fee not authorized by the agreement or by law. 
Fair Debt Collection Practices Act | Federal Trade Commission 808.

( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

Also based on state of Connecticut Law Unfair practices Consumer collection agencies may not engage in unfair practices when they try to collect a debt. For example, collectors may not : collect any amount greater than your debt that is not expressly authorized by the agreement creating the debt ; Also according to Connecticut law Consumer collection agencies must be licensed in Connecticut. If you have been contacted by a collection agency and would like to find out if it is licensed I did check the license debt collection agency licensed by the state of connecticut and Zions Debt Holding LLC is not listed, their fore I don't believe they can practice within my state I attached related document with this complain
Product: Student loan

My daughter found a co-signer and went out and got a Sallie Mae loan for school. ( Because XXXX only gives {$5000.00} out of state for some odd reason. ) She borrowed {$78000.00}. {$39000.00} each year. 
We have paid over {$30000.00} on this loan. Even so, her debt now is basically up to {$100000.00}! 
Now that she has graduated, her payments have gone up to {$1200.00} and change every month. 
In XXXX when the payment was made, the debt had gone up to {$98000.00} because of interest. 
In XXXX when the $ XXXX payment was paid the debt now showed {$99000.00}! 
Daily compounding interest. An astronomical interest rate! How is a young person supposed to climb out from under that kind of robbery? ( It feels like loan sharing ) Sallie Mae simply says oh well. Do the best you can. There is no effort on their part to help a student succeed. They set them up to default. 
My daughter has no problem paying her debt except in this circumstance. She doesnt make enough to cover this massive monthly payment. 
Is Sallie Mae being lawful? Ethical? Or is this a loop hole to consume and destroy? 
Please help.
Product: Debt collection

I received a collection notice from GB Collect on behalf of XXXX. I called them and requested proof of the underlying debt as I didn't know what it was for. After several requests, I finally received it. on XX/XX/2020, I sent them proof via email and fax that I had other health insurance in place and was not covered by XXXX at the time ( see attached ). I received NO response to that email and fax. On XX/XX/2020, I once again received a collection notice ( see attached ). On XX/XX/2020, I resent them the proof and demanded that they stop contacting me ( see attached ). 

Despite these requests and proof, I once again have received the same collection notice 2 weeks ago. I want them to stop harassing me and send me a confirmation that i do not owe them anything.

How are they allowed to keep bothering me and just avoiding the fact that i provided proof that i had insurance coverage through my employer? They haven't even responded to the proof. Please make  them stop asap.