23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I was informed by a lender with whom I was attempting to refinance my mortgage that there was a negative mark on my credit report. Specifically, and entry was made on my credit report that a collection was reported for {$730.00} by Medicredit , Inc. on XX/XX/XXXX. This came as a surprise as in XX/XX/XXXX I had received a credit score in excess of 800 with no  negative marks. 
I called Medicredit who informed me that the debt was in relation to a visit to XXXX XXXX XXXX   Hospital in XXXX or XXXX of XXXX. I did not recall ever receiving any such bill for the visit in XXXX, and so I asked Medicredit what address the bill was sent to. I was told that it was sent to an address that I last lived in XXXX of XXXX. A simple XXXX search will show my current address and so it is clear that no attempt was made to confirm the address or else I would have received notice of the collection activity. I received none. In fact, I to date still have not seen a bill for the service. This seems to be a clear example of debt " parking '' on behalf of Medicredit and XXXX XXXX XXXX Hospital. Medicredit said if I would pay the bill over the phone and then dispute the issue with the credit reporting agency that they would confirm that they had sent the bill to the incorrect address. 
I paid the amount owed over the phone ( despite still not having received a bill ), and filed disputes with all three major reporting agencies. I have since received results that they have simply updated my report to show that the amount was paid in full, but the collection activity remains. I've been able to make contact on the phone with at least one agency ( XXXX  ) who confirmed that they did not actually investigate my claim that I never received a bill, but instead brought the dispute to conclusion when they saw the amount was paid in full. It is clear that this must be the case with the other two as well. 
For the record, I do not believe that I had ever been to XXXX XXXX XXXX Hospital ever before the visit at the end of XXXX. I recall filling out several forms that included my current address. I had been a patient at XXXX XXXX XXXX XXXX in the XXXX time frame, and assume that the billing department at XXXX simply used the old address that was in the system for my years earlier visit to XXXX XXXX XXXX rather than the updated address information that I provided to the receptionist in XXXX on my visit to XXXX XXXX  Hospital. 
I am now having difficulty in receiving credit from mortgage providers as I attempt to refinance.
Product: Checking or savings account

On the day XX/XX/XXXX my bank account was closed for fraud and I was not able to get access to my funds nor account. Prior to the account being suspended, I never gave this bank a reason to suspend my account for fraud? 
I have tried to make a transfer from my PNC Bank to my credit card for a purchase before the closure and that was the last time I had access to my funds! 
I spoke with the XXXX XXXX of PNC Bank XXXX times, I visited the XXXX physically twice & provided all the details and information they needed to process the opening of my account. I still was not able to get access to my funds nor help from any of the departments. 
Since then, as of XX/XX/XXXX, I spoke with the fraud detection department of PNC bank and the XXXX named XXXX claimed there is nothing they can do, because the account is still being under review for up to XXXX  days. 
This has been ongoing since XXXX XXXX and it has been almost XXXX months since I have had access to my funds! 
My money is being withheld illegally and I have encountered major losses due to this situation. 
This is very frustrating and unprofessional being a new customer.
Product: Debt collection

Navy Federal credit union began to send me collection bills and account deficates on an account I didnt have, they proceeded with collection activities and threats that took weeks to deal with and my banks help to unfold the damage they created. In the end I received a vague response letter from them and a promised follow up to clear up the mess they created for me, which never happened from theyre part. I had never heard of navy federal and had never had any accounts with them until they sent statement, letters and threats to me.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX XXXX XXXX report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXXXXXX XXXX Balance Owed : {$860.00} XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX Balance Owed XXXX {$2400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Balance Owed : {$4200.00} XXXX XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$540.00} XXXX  XXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$480.00} XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$6800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Creditor : XXXX ) XXXX Balance Owed : {$1700.00} XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance Owed : {$540.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX : {$3900.00} XXXX XXXX Balance Owed : {$91.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit freeze on with all three reporting agencies due to leaked personal information by several sources. I used to be able unfreeze my credit by using my pin but can no longer do that and I've had nothing but trouble trying to get into my account with Equifax due to errors they made with my personal information. 

Per their instructions back in the beginning of XXXX, I faxed a letter with the corrections to be made. After not receiving a response, I called multiple times over from XX/XX/XXXX through XX/XX/XXXX trying to get the information corrected. It took over seven phone calls to Customer Service and Global Consumer Care to find out that while they did receive my letter back in the beginning of XXXX, they never updated the information. All but one piece has been updated - I can not get anyone at Equifax to correct my email address so I can reset my password on their website. Every time I call, their system is down for 'upgrades ' and I'm to call back 24 hours later. I even sent message through XXXX trying to get assistance. 

I would like to know if their customer service center is even located in the United States. I cringe at the thought of a foreign  call center knowing my personal information. Equifax should have been shut down after their proven failure to provide adequate protection of sensitive personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification XXXX, XXXX was still working on an issue AND I checked my scores which dropped today from XXXX to XXXX. I received another alert stating my credit score was changed by an update in Equifax. I further investigated the issue.

XXXX/XXXX did another update for two accounts that settled same day adding erroneous remarks for 3rd parties to view from one dispute to the next that continue to conflict. XXXX does not have a quality control and works against the consumer demonstrating discriminatory practices and affiliated with XXXX XXXX as I am too a member. Every request to remove creditor from my file has been either ignored or causes more damage. XXXX/XXXX showing one account with a credit limit of {$250.00} and a high balance of {$1500.00} when in fact the account was increased from {$250.00} to {$2500.00}, that account was settled over 4 years ago. XXXX/XXXX has made at least 4 to 5 derogatory erroneous updates within a 30 day period over the last 4 months
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX Balance Owed : {$21000.00}
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : 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 Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

I need a update on all my open claims disputes and for all my closed disputes I need them to be reopen and investigation again I disagree with the decision thats was made and for all my open disputes too if they are denied reopen them too and investigation them again because I disagree with the decision too my name is XXXX XXXX and then give me a update on all my claims that was reopen and investigation again etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX : XXXX -- -> : {$320.00} XXXX XXXX XXXX : XXXX -- -> : {$330.00} GEORGIA XXXX XXXXXXXX : XXXX -- XXXX : {$3700.00} XXXX XXXX : XXXX -- > {$12000.00}
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I received text and a phone call from a number with Bank of America logo. I was asked by a man who claimed to work for BofA if I authorized a {$3500.00} XXXX transfer. I was confused as I never have used XXXX and did not know anyone had the ability to access my bank information to start a transaction. I was told that in order to stop this transaction I would have to go into my XXXX account and send the money back to myself. This sounded strange but I was confused and did not want my money taken. In the end, the BofA imposter defrauded me of {$3500.00} of my money. I went to the Bank of America ( located in XXXX, N ) Y the next morning and spoke to a representative who called the fraud department by phone. I relayed the exact circumstances and provided text and phone numbers from the transaction. It was suggested that I make a police report, which I did following my visit to the bank. I received a letter from BofA on XX/XX/2022 stating that they would not approve the claim and credit my account. They said I should try to contact the person who took my money so I could retrieve it. I called the number provided on the letter and spoke to a representative. I told them that according to Regulation E, part of the Federal Electronic Fund Transfer Act, banks are required to refund consumers for fraudulent transactions on their accounts. The directive also states that the law applies " If a third party fraudulently induces a consumer into sharing account access information '', which is what happened in me. The representative told me they would look into it further and get back to me. On XX/XX/XXXX I received another letter that was identical to the first letter denying my claim. I recently spoke to a lawyer who stated that the law is on my side and that Bank of America is required to credit {$3500.00} to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified mail, asking for investigation into XXXX XXXX Account XXXX XXXX The bureau 's did not respond. According to federal law requires the bureau 's to respond in 30 days its been over 90 days no response
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX and I have tried countless times for about 8 months now to have unverified debt and wrongful information across the three credit bureaus removed from my credit reports and taken care of. During the past 8 months, my rights have been violated in which the bureaus have not responded or have failed to meet my demands where I reached out to them and they claimed it wasn't me or asked for identification in which I have sent them countless times as a stall tactic. I will submit all my work/disputes I have submitted for the past 3 months and I am hoping the CFPB can finally bring this to a close as dealing with all 3 bureaus have been an headache as they don't comply with the law at all and are still partaking in illegal activities.
Product: Credit reporting or other personal consumer reports

There are accounts on my credit report that do not belong to me, and this mix-up is hurting my credit score.
Product: Credit reporting or other personal consumer reports

I discovered XXXX inquiries on my credit report that were unfamiliar to me.

I contacted each financial institution and each informed me that they were not done by me.

Here is the list of each company that verified that it was not me that inquired for the credit cards. 

1. Syncb-Amazon phone number XXXX 2. Synchrony-financial phone number XXXX 3. XXXX XXXX  phone number XXXX
Product: Consumer Loan

Loan me sent a post card to my address with a 7.4 apr when I actually was approved for the loan the APR went up to 137.70 % and 135 % for the Interest. I am a struggling single the parent and can not afford to give LoanMe {$12000.00} for a {$3000.00} loan. I received this loan in XXXX of 2014 and have been paying consistently for the last year. Please look into this company because the percentage rate for their loans is illegal.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX credit reporting agency XXXX XXXX credit reporting agency , and you TransUnion credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card account opened. First my name is incorrect on report and listed as XXXX XXXX XXXX and XXXX XXXX but my correct name is XXXX XXXX. Also my date of birth on one of your reports is listed as XXXX when in fact its XXXX. The following are accounts that are fraudulent XXXX XXXX XXXX XXXX account number XXXX or account number XXXX opened on XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX XXXXXXXX XXXX  opened on XX/XX/XXXX under the account number XXXX or account number XXXX. 

XXXX XXXX XXXX XXXX personal loan opened on XX/XX/XXXX under the account number XXXX or account number XXXX. 

XXXX XXXX XXXX XXXX credit card opened on XX/XX/XXXX Account number XXXX. 

XXXX XXXX opened XX/XX/XXXX account number XXXX. 

XXXX XXXX XXXX XXXX account number XXXX opened XX/XX/XXXX. 

These fraudulent accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXXXXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX   XXXX {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan Number XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX I called Navient several times to fix what is reported on my XXXX and XXXX report however I have seen no results. I've made 8 consecutive payments and my account is in good standing with Navient however, this is not reflected on my credit report.
Product: Credit reporting or other personal consumer reports

A public record was removed from my account at Experian. However, unlike the two other bureaus, my score dropped XXXX XXXX 

I have no other negative accounts. All accounts are current. Its seems like this is racial profiling. Hence, I request that you investigate this matter.
Product: Credit reporting or other personal consumer reports

Upon review of my recent personal credit report, there are UNAUTHORIZED hard credit inquiries that DO NOT belong to me. I immediately notified the Credit Reporting Agencies to no avail. In addition, I have a " fraud alert '' placed on all 3 credit files, and has not served anything in protection. The CRAs continued to sell my personal information to third parties offering me credit, loans, and ironically, credit monitoring services. It should be noted that the CRAs are completely unmoved by CFPB filings and have demonstrated no sense of urgency in complying with the filed complaints by consumers. I have filed complaints with the Federal Trade Commission ( FTC ) and to this day after almost 1 year-to-date, have not been able to obligate the CRAs to remove these UNAUTHORIZED credit inquiries through the CFPB process, one which is lame and ineffective by legal standards. CFPB has taken a XXXX position in properly enforcing the XXXX statutes although it is now evident that the XXXX has present Class-Action lawsuits pending in XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX on XX/XX/year> XXXX XXXX XXXX on XX/XX/year>XXXX XXXX XXXX Inquired on XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/year>XXXX XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX Inquired XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the accounts listed below have 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 an account without my written instructions. 

Accounts Violating My Rights : - XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX XXXX  - Account # XXXX - XXXX XXXX XXXX - Account # XXXX - XXXX XXXXl XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX  XXXX XXXX Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX  - Account # XXXX
Product: Mortgage

Mr. Cooper mortgage servicer sent XXXX county tax to wrong address for thousands of customers! 

My property taxes are supposed to be paid from my escrow account with my loan servicer, Mr Cooper. When I logged in to XXXX county treasurer to make sure taxes where paid, it said they were not. I called Mr Cooper and automated service said the correct amount was dispersed from my escrow account weeks ago. 

However, when I spoke to a representative, she admitted that the payments for thousands of XXXX county residents had been sent to the wrong address and they are working to correct it. When asked about who will cover the accruing interest and fees, she said they would. However, I can easily see them trying to take it out of people 's escrow accounts instead of covering it themselves. Someone screwed up really bad!
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX  ) was never late! I have had exceptional payment history with XXXX  XXXX 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 ( 30-90 days ) 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 XXXX, XXXXXXXX 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 1002 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