23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage loan with Amerisave Mortgage corporation on my house. They collect taxes and home owners insurance money with my payment as escrow. This XXXX 2017 I changed my insurance company and the bill is directly send to mortgage company for payment. They mailed the payment to some wrong address and the insurance company is going to cancel my coverage. I contacted the mortgage company via phone, email and fax and they are not responding to my inquiries so far. I send them the correct information where the payment should be send. But they are not responding to any of my inquiries. 

I want them to contact the insurance company directly and solve this issue before it is too late. Also I want this company to contact their customer once an inquiry such as this made, instead of going through these type complaints. 

All the relevant information on the loan / insurance are in the attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX do not have a complaint with any of the credit bureaus. This complaint is to make the credit bureaus aware that there is a debt collection agency that has abused my credit with XXXX and Experian respectfully. All debt collection agencies sign an agreement with the credit bureaus to report collections within the rules bureaus submit in their agreements. In XX/XX/2015 the CFPC ( Consumer Financial Protection Bureau ) reached  an agreement with the three major credit bureau on a change in rules on the reporting of medical debts. The rules call for a 180-day notice that must be submitted to the consumer that he/she has 180 days to rectify the collection, either through insurance, settlement or paid in full with the original medical facility or debt collection agency before the collection can be reported to a credit bureau. A copy of this decision from the CFPB is attached to this complaint. I am certain that the collection agency in question, XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX is in violation of the rules with thousands of consumers, and their agreement with the bureaus must be voided immediately to stop this egregious activity that destroys consumers credit ratings. The collections must be terminated permanently and this agency should be given serious fines and sanctions by the CFPB accordingly. This activity by medical collection agencies must be given a stern discipline to cease such activities that hard consumers credit.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX is XXXX  year date when the New State Statute that antedates of a paid account can not reported on my credit report. All American express personal confirmed that they can not continue to report a paid charge beyond the first date of delinquency that was XXXX XXXX to XX/XX/XXXX XXXX year anniversary. I paid the full balance that resulted in a XXXX balance in accordance to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX XXXX ( XXXX ) ( XXXX ) ( iv XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - Fair Credit Reporting Act380-J - Prohibited Information. ( iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years ;
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 my house was caught in the devastation of the hurricane following this I sustained damage, loss, and significant financial strain. With this situation at hand, I was unable to make my XXXX card payment. I reached out to the card organization and explained that I was affected by a natural disaster. I resumed payments the very next month and have been otherwise consistent throughout the entire 11 yrs I have held this account. What I do not understand is why this specific reporting during this time was not reported as AW to reflect that I was impacted by a natural disaster. I have even reached out and requested goodwill removal only to be met with " We are required to accurately report. '' I believe that the way this mispayment is being reported is misleading and does not in fact hold true to " accurately reporting information. I did some research and there were actually studies conducted by the CFPB outlining how crediting reporting during Hurricane Florence impacted many consumers.
Product: Debt collection

I am a XXXX year old responsible XXXX  XXXX XXXX veteran with full medical coverage through the Dept of Veterans affairs.I do not have personal responsibility for this hospital bill.I have made no payments on this account and XXXX has never contacted me. On XX/XX/2017 I fell through a XXXX   and XXXX XXXX. I was XXXX  and treatment at a Veterans health care facility was unavailable in this emergency.The hospital was informed PRIOR TO TREATMENT that the payee would have to be the OR. Dept of Health ( my client ID XXXX ) or the XXXX Veterans Choice Program. After numerous contacts with the hospital, Veterans Admin., the Oregon DHS ( department of human services and the office of US SENATOR XXXX XXXX I was told that the hospital would pursue payment from the  appropriate party and NOT ME! The hospital was negligent ( LAZY ) in their proper pursuit of payment. At some point without notice the hospital turned this in to collection.At no time did they try to resolve this matter in a professional or compassionate manner with me. Now my credit score has been severely diminished ( 30 points ) It is reprehensible that a Religious organization hospital would conduct itself in this manner without competence and compassion.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration regarding your company 's mishandling of my credit report dispute. Since I discovered discrepancies in XXXX of this year upon returning from XXXX, where I XXXX XXXX XXXX  I have taken every possible step to address this issue diligently. I initially submitted a dispute on XX/XX/XXXX, followed by additional supporting documents 15 days later after receiving notice that the original copies were of low quality. Despite complying promptly, I encountered complete silence on your part. 

Subsequently, I received a letter accusing me of employing a credit repair organization. To clarify, as I already stated in a follow-up letter, I personally sent all correspondence. Despite this clarification, I have yet to receive any resolution or meaningful response from your company. 

This ongoing neglect and mismanagement have caused me undue stress and raised serious concerns about your company 's commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and respond within 30 days. Your failure to do so violates these requirements. Additionally, the Massachusetts Consumer Protection Act, XXXX. XXXX XXXX, prohibits unfair and deceptive practices, which I believe your actionsor lack thereofconstitute. 

Your personnel 's inability to communicate effectively in clear XXXX and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity. 

I demand an immediate investigation and resolution of my dispute, as well as a written confirmation of corrective actions taken. If this issue remains unresolved, I will consider escalating the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Massachusetts Attorney General 's Office, and pursuing legal action under applicable state and federal laws.

I look forward to your prompt attention to this matter and expect a response within 15 days of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Experian Credit Bureau decreased my credit score from XXXX down to XXXX for NO REASON! As of XX/XX/2022 my score was XXXX then Experian produced another report on XX/XX/2022 on which they dropped my score XXXX points down to XXXX. There is absolutely NO DIFFERENCE between the 2 reports EXCEPT the score. I have not applied for ANY new credit, nor have I made any new late payments. When I called and spoke to an Experian agent, she lied and told me that Experian has no control over consumer credit scores- that they just report what consumers ' creditors report to them. Utter nonsense! She also told me that I should " Consult a financial professional in regards to why my score decreased ''. Unbelieveable! I have attached copies of both XXXX credit reports as proof that Experian is illegally decreasing consumers ' credit scores in order to make higher profits from selling our information to lenders.
Product: Credit card or prepaid card

I contacted credit karma money on XX/XX/XXXX when I noticed over XXXX fraudulent transactions on my account and began the dispute process, I filed a police report proving I did not make these transactions and I was awaiting a police report number and copy to attach to my dispute as it takes a few days for the police report to be ready as soon as I got the police report I emailed back into credit karma to have them attach it to my dispute and noone replied to me. I sent over numerous emails and still received no reply, my police report was never added to my disputes and then about 2 weeks later on XX/XX/XXXX I received and email that my disputes were denied and all of them have been closed. I again tried emailing credit karma numerous times telling them the XXXX transactions need to be re-disputed as my police report was never attached to it and to my avail I received no reply, finally 2 days later I received an email on XX/XX/XXXX supposedly from someone with the disputes escalation team stating " Hi XXXX, Thank you for reaching back out to Credit Karma Member Support. I've escalated your case to our disputes team for further review. 


Please allow an XXXX time to research these transactions. In the meantime, if your issue gets resolved on its own or if you have anything to add, please let us know by responding to this email. 


Thank you again for your patience and understanding as we work together to find you the answers you need. 


Regards, Credit Karma Member Support And again another 2 weeks has gone by and none of my disputes have been re opened nor have I even received a single reply after this last email and I have messaged them over 10 times. Credit Karma money needs to be shut down they are extremely unethical and untrustworthy and is literally ignoring my right to re-dispute my transactions now that I have a police report. I need assistance please.
Product: Payday loan, title loan, personal loan, or advance loan

I have had at least 2 loans with One Financial. One is current. I want to see if they took advantage of me with the loan and the add on things.
Product: Credit reporting or other personal consumer reports

XXXX XXXX The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELYI
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

RESURGENT CAP SRVCS LP Last reported XX/XX/XXXX {$8200.00} Open balance was reported- I am unaware of this debt. I sent a letter in XXXX of XXXX asking to send me the contractual agreement between myself and the creditor. I received a letter from them with a screenshot of my credit report displaying the account/information I have no knowledge of. I did advise of multiple fraudulent accounts on my credit as well. 



Validation Request Letter XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX SSN *** ** XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Account # : XXXX Hey guys, I received your notice and am requesting full validation of the debt. Because I've been fraudulently contacted by debt collection companies in the past for unsubstantiated debts, I now require full validation on all claims. Please provide the following within 30 days from the date of your receipt : 1. Agreement that states your authority to collect on this alleged debt. 

2. Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor.

3. Alleged account number.

4. Date this alleged debt became payable.

5. Original delinquency date.

6. Verification that this debt was assigned or sold to collector.

7. Complete accounting of alleged debt.

8. Name and address of the bonding agent for Collection Agency in case legal action becomes necessary.

Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. 



XXXX XXXX I have not received documents requested/verified.
Product: Credit card or prepaid card

I paid XXXX XXXX a deposit via opening a Care Credit account before possibly having work done for XXXX. This work was not done. XXXX XXXX gave a credit back to the account. I called Care Credit this year and the customer service verified this credit balance to XXXX XXXX and thus I used the account to have XXXX dollars work done. I should have at least XXXX dollars credit left. I then was billed and the account shows a debt of XXXX. 
I was incensed to find out that customer service has no record of the negative balance preceding the work at XXXX XXXX. I am being charged late fees too and should have that removed. 
I paid XXXX just to keep my good credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card

Just got a call from " capital one '' about a {$1400.00} purchase on my card. I don't have one. I said I don't have one and hung up. The number was XXXX. I have had many other calls like this and don't give up any information. 
I'm also getting texts several times a day about virus 's and trouble with subscription payments.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I sent a {$4100.00} remittance to my HSBC HSBC account by wire transfer from the US HSBC account. 15 days later, my XXXX XXXX HSBC account did not receive my remittance. And many times with the HSBC Bank of the United States, there is no clear reply.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, and I've attached a copy of my report to this complaint on the following dates : XX/XX/year> and XX/XX/year>. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to be paid on time immediately. I appreciate your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 8 accounts and two Bankruptcies on my credit report that do not belong to me I have reached out to the bureaus regarding this but they are not helping me or pointing me to the right direction I have also opened an ftc for these accounts. 

XXXX - Acct # XXXX Amt {$1100.00} XXXX - Axxt # XXXX Amt {$0.00} XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX XXXX - Acct # XXXX Amt {$1100.00} XXXX XXXX - Acct # XXXX Amt {$16000.00} XXXX - Acct # XXXX XXXX {$2400.00} XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX - Acct # XXXX Amt {$0.00} - No Name Acct # XXXX Amt {$1000.00} XXXX XXXX - Acct # XXXX Amt {$1100.00} Account Name : US BKPT CT XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX  XXXX {$3300.00} XXXX XXXX XXXX {$210.00} XXXX  XXXX  XXXX {$440.00} XXXX  XXXX  XXXX {$1400.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Checking or savings account

Went to the branch the day before the CD was expired on XXXX and was quoted XXXX % interest to renew. The Branch did not tell me I had to return the next day so assumed the CD would renew at XXXX  % interest. When I looked at my next statement it dropped to .05 %. I called the bank and spoke to XXXX at XXXX XXXX XXXX who told me that she would submit a request to have the rate fixed due to the circumstances, and that I would hear back within XXXX to XXXX days. it is now the XXXX of XXXX and I have heard nothing. I called US bank again and am speaking with XXXX related to this matter and they have put me through the relationship rewards team who is now transferring me to XXXX in XXXX Management at XXXX XXXX. It does not seem that there is a willingness to make this right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an XXXX creidt card account opened on XXXX XXXX. My accoount number is XXXX. They reported a {$5.00} charge as not being paid. I did not recognize this charge and contacted them after they already reported to my credit as a late payment. They said said they would not work with me and it was too late to dispute it. I paid the {$5.00} because I wanted to keep in good standing. They closed the acccount without contacting me and hurt my credit score over a charge I know nothing about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had multiple credit cards, bank accounts and even a mortgage in my name. I am now buying a new house and my lender is unable to get a credit report from Equifax. I called Equifax and the incompetent service rep says there is no record of my social security number and that I have to send in a bunch of information so they can open a credit report file in my name. I explained that I have a credit report file already as it was pulled a year ago by XXXX XXXX and I have multiple credit cards, bank accounts and even a mortgage. The service reps were unhelpful and have sent me on a wild goose chase  which is now endangering my chances of purchasing my new home! Please help!