23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had an old medical debt from XXXX that was resolved with the provider. Capio partners apparently purchased the debt in XXXX of XXXX and immediately put it on my credit report ... not only once, but they duplicated the collection two other times using various names of their same company.They put very similar amounts owed ( must have been willing to take a bit less on one to make it look like two different accounts ) and then you their are two separate names of the collection agencies however they are on EXACTLY the same parkway, " XXXX XXXX '' in XXXX Texas with slightly different suite numbers! They are doing this because I told their collection person who called me that I was in the middle of a mortgate ( mistake # 1 ) and then they IMMEDIATELY generated THREE separate bogus accounts on my credit for the most impact to my score!! When asked to verify, I still have not heard a response and for some reason the credit bureaus have said that the dispute was not supported so the information remains!! How does that happen?? They are literally creating double and triple jeaporady and they are the SAME COMPANY!! Capio Partners and XXXX XXXX   FIRM ... BOGUS and ILLEGAL! Not only that, the original debt was listed as a charged off account with XXXX and I paid it to them! Even if Capio purchased a debt from someone else, it was a charge off and should NOT be reported as an OPEN ACCOUNT on their records, further harming my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a disputed in regard to in correct items that on my credit report. it has been well 30 days. I haven't receive investigation result.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent XXXX certified mail to XXXX XXXX XXXX and XXXX XXXX XXXX with a validation letters, requesting information on the alleged debt that is being reported on Experian. On XX/XX/XXXX, I received an email from Experian stating that the validation is complete. I find that Experian is not reporting accurate information on my credit report due to the fact that I'm still waiting on XXXX XXXX XXXX and XXXX XXXX XXXX, validation letter, and what I specifically requested from them both. I know I have to wait 30 days for a letter from the XXXX collection agencies in question. I don't know how Experian got ahead of them and is reporting something that is currently still under investigation by the collection agencies. When I have reach out to Experian multiple times about the XXXX collections. Experian is not reporting accurate information and this company is getting away with it. I have included proof of the letters and certified mail and the dates they received. I have not yet received what I have requested from XXXX XXXX XXXX and XXXX XXXX XXXX. Why is Experian reporting this on my credit report? I am requesting for it to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with Citi Bank. I called them in XXXX of 2017 and made a payment for {$450.00}. After processing the payment and the telephone clerk stating the payment was processed I told them I had to make another call and promptly ended the call. The clerk input my zip code incorrectly after telling me the payment was processed, and the payment never went through. They never called me to notify me, nor sent anything in the mail to inform me of the issue. They did tell me on the phone call my payment was processed. If I would have known it didnt process I would have made another payment. Because of this they hit me for 60 day late on my credit report. I had made a payment the previous month for {$450.00} to cover XXXX and XXXX but they didnt apply to both months. I over pay on this card every month by more than double what I am supposed to pay. I attempted to make this payment and they made the error. They refused to undo the lates because I said I had to get off of the phone on the conversation. I dont remember the exact date or time of the phone conversation, but I can obtain it if needed.
Product: Credit reporting or other personal consumer reports

EXPERIAN LOWER MY XXXX XXXX FOR NO REASON FROM XXXX TO XXXX. 
ALL OF MY CREDIT CARDS SCORES ARE BELOW XXXX. 
JUST BECAUSE I REFUSED TO THEIR PROTECTION PLAN, CREDIT SCORE PLAN. 
I KNOW ITS A GAME AND IT HAS TO STOP. THEY MUST NOT CONTINUED TO THREATEN CONSUMERS BY GIVING OUT FAKE CREDIT SCORE TO CREDIT CARDS COMPANIES. ITS UNFAIR TO THE CONSUMERS. PLEASE HELP! 
THANK YOU SO MUCH FOR YOUR TIME AND HAVE A GREAT DAY!
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$69.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7700.00} XXXX XXXX XXXX XXXX : {$3000.00} DEPT OF ED/XXXX XXXX Balance : {$8300.00} DEPT OF ED/XXXXXXXX XXXX Balance : {$7700.00} DEPT OF ED/XXXX XXXX Balance : {$4200.00} DEPT OF ED/XXXX XXXX Balance : {$2000.00} DEPT OF ED/XXXX XXXX Balance : {$1900.00} DEPT OF ED/XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance Owed : {$3900.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$18000.00}
Product: Credit reporting or other personal consumer reports

Unauthorized Furnishing of My Credit Report by Lexis Nexis Disputed bankruptcy record case number XXXX I am filing this complaint against Lexis Nexis Risk Solutions for violating my rights under the Fair Credit Reporting Act ( FCRA ) by furnishing my consumer credit report without a permissible purpose as defined in 15 U.S.C. 1681b. 
After reviewing your response on XX/XX/year>, I discovered that Lexis Nexis provided access to my credit report without my authorization and without a legally permissible reason from XXXX  website. Under the FCRA, consumer reporting agencies like Lexis Nexis must ensure that credit reports are only accessed for valid purposes, such as credit transactions, employment screening ( with consent ), insurance underwriting, or other legally authorized reasons. 
I did not apply for credit, insurance, employment, or any other service that would justify Lexis Nexis accessing or sharing my credit report. Their actions have violated my rights as a consumer, and I am deeply concerned about the unauthorized distribution of my personal financial information. 
I am requesting the following actions be taken : An immediate investigation into why my credit report was accessed and by whom. 
A written explanation from Lexis Nexis detailing the justification for furnishing my report. 
Removal of bankruptcy record case number XXXX Confirmation that Lexis Nexis has implemented measures to prevent this from happening again. 

This violation not only infringes upon my consumer rights but also poses a risk to my financial privacy and security. I demand immediate corrective action and expect a timely resolution to this matter. 
Thank you for your prompt attention to this complaint. 
Sincerely, XXXX XXXX
Product: Debt collection

I became aware that my identity was stolen/compromised in XX/XX/XXXX by a private investigator who was hired by a car dealership in XXXX XXXX XXXX XXXX. I was born and raised in XXXX XXXX but have lived in XXXX  since XXXX. They ended up getting XXXX cars under my identity ( which fortunately for me, they were not funded and dealership was responsible ) and this group or person tried getting or got apartments under my identity. I am including the FAKE XXXX XXXX Driver License that the private investigator sent me through text, email communication with XXXX XXXX local authorities, communication with one of the apartment complexes and one of many text messages from private investigator.
Product: Credit reporting or other personal consumer reports

I have filed a complaint # XXXX on XX/XX/2023. I provided documentation to support my claim that Transunion allowed my credit filed to house incorrect account balances as well as incorrect status. This lack of investigation of information as well as written consent from me has and daily causes me mental and physical stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed several fraudulent accounts that are reporting. Please help me with this matter because it is affecting my ability to purchase a home tremendously. The accounts are showing as XXXX, XXXX  XXXX XXXX and XXXX XXXX as well none of which I have ever done business with. I did not authorize any of these companies to run my credit or inquired with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In an attempt to buy a house, I realized there are damages on my credit report. According to Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], there should not be any damages on my report. This is a defamation of my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there is a long list of Student loan debt, Ive no knowledge of these debts that was intent to do fraud, Misrepresentation of giving a false,, misleading accounts. I need thes accounts verified with my signature of these fraudulent debts
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have initiated a multiple disputes with Equifax over the past few months to remove unauthorized fraudulent accounts they have failed to fully validated belongs to me. It has been well over the 30 days given for Equifax to respond with validated proof per the Fair Credit Reporting Act. I have provided all requested documents to Equifax including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors " XXXX XXXX XXXX '' " XXXX '' and " XXXX XXXX '' but they have also fail to fully validate contractually the account belongs to me. Below are the reporting accounts and addresses that should be Removed / Deleted from my Equifax credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Accounts : 1 ) XXXX XXXX XXXX - Account # : XXXX 2 )  XXXX/XXXX XXXX - Account # : XXXX 3 ) XXXX XXXX - Account # : XXXX Reporting Addresses : 1 ) XXXX XXXX XXXX XXXX, PA XXXX 2 )  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX XXXX, GA XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX business practices are unlawful and the violate the FCRA. They failed to conduct a reasonable investigation after the numerous disputes I sent to the CRA 's. Despite being given all the required information they determined the reporting information was accurate and meets FCRA ( Fair Credit Reporting Act ) guidelines and it does not. A reasonable reinvestigation would have identified these errors, including but not limited to inaccuracies in the last payment date, payment history, balance history, and payment history guide. 
They continue to deny me of my rights as a consumer. XXXX XXXX has chosen to be willfully and negligently noncompliant of the law and the agreement they created. Our agreement contains a clear and binding arbitration clause that obligates both parties to resolve disputes through arbitration. When I attempted to initiate arbitration, they failed to comply with the XXXX policies regarding consumer claims as outlined in the Consumer Due Process Protocol and/or removed themselves from the Consumer Clause Registry. XXXX XXXX has sold the account, yet still attempting to collect. The FCRA states I have the right to a complete and accurate consumer report. They are hindering me from that and are liable under the FCRA. 
I have attached a copy of the agreement, XXXX XXXX, and notice sent )
Product: Debt collection

XX/XX/2018 XXXX XXXX Man from HSBC named XXXX XXXX claimed I had and account with HSBC and was threatening litigation for breach of contract, fraud, falsifying legal documents if I did not pay the amount in full. The man had my personal information and SSN. He would not give any information about the account stating that I know I used the credit card and I better pay it. He stated that they had income tax information and employer verification to prove I opened the account. 
He began to get rude and nasty and threaten to sue and to make me pay. 
Because he would not give any validating information as to what state and account information, I feel this person was lying. 
The phone number given is XXXX. They claim to be a litigation group collecting on behalf of HSBC. 

I have had multiple entities contacting me trying to get me to pay some erroneous debt. I have had several identity theft situations which makes me believe this could be part of it or a scam.
Product: Credit reporting or other personal consumer reports

Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies, hurting my credit score and may also suggest potential identity theft adding more harm to me. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to bring to your attention the ongoing issue of fraudulent items on my account with your company. Despite numerous attempts on my part to address and rectify this matter, I have faced significant challenges in having these fraudulent items removed from my records. 

The presence of fraudulent items on my account not only poses a serious threat to my financial well-being but also undermines the integrity of your company 's services. I am deeply concerned about the potential consequences of these inaccuracies, and it is disheartening to experience a lack of responsiveness in resolving such a critical matter. 

I urge you to conduct a thorough investigation into the fraudulent items on my account and take immediate action to rectify this situation. Furthermore, I request a detailed explanation for the delays in addressing this issue and seek your assurance that appropriate measures will be implemented to prevent similar incidents in the future. 

If this matter is not resolved within the exact timeframe from the date of this letter, I will be compelled to escalate this complaint by reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : I am asking for your assistance to remove these fraudulent items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I made a deposit to my account with USAA on XXXX/XXXX/15 and received a confirmation stating it was received and PROCESSED on XX/XX/2015, however when XXXX items were presented that night they were returned. I have attached the PDF I made of my confirmation for evidence. When I called and spoke with a representative he claimed the deposit did not post until XXXX/XXXX/15 and as a result they returned both items. How can they justify returning my items after they misleading me to thinking my deposit was effective on XXXX/XXXX/15. They claim they have a cut off time and I made my transfer after this time, but this not posted on there website, nor did my transfer confirmation show an effective dateof XXXX/XXXX/15. More importantly the funds reflected in my available balance immediately after the transfer. This is extremely deceptive and only allows USAA to charge fees to clients unfairly and create financial havoc.
Product: Credit card or prepaid card

Chase offered cash advance with XXXX XXXX  initial fee and XXXX XXXX interest for XXXX months. I took cash advance for {$15000.00}. I continued to use my credit card for purchases. Each month I pay over the purchases and towards the promotion balance. i.e. {$1000.00} in purchases, {$3000.00} payment. Chase has been crediting my payments towards the promotion balance which is at 0 % interest, instead of new purchases. My understanding from Credit Card Act of 2009 which Chase also has on their website, my payments should be applied to my new purchases with the higher APR. When I asked Chase the first representative said that when you have a promotional balance, purchases have XXXX day grace period ( normally XXXX days ) and you start to be charged interest on the day of purchase until payment date. I then asked for a supervisor, supervisor gave a different explanation, he said that when you continue to make purchases on a card with a promotional balance, that it cancels the promotion. I told him that didn't make sense, he agreed, but said he couldn't do anything about it and can't comment on the " political act of 2009 ''. I told him his answer doesn't make sense as my statement still indicates I have a promotional balance, he said yes the statement says that, but in reality purchases cancelled out my promotion and there's nothing he can do. ( No late payments on account ). I told him I would be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I was looking at my report and noticed there was some things that was not correct. I sent a letter to Experian, XXXX, and XXXX on XX/XX/24. But it has been more than 35 days since the credit bureaus havent responded. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in consumers file at a customer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning of the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like this case looked at again, this is completely wrong what Bank of America has done. 

I had a Home Equity line of credit, with Bank of America, Loan XXXX as of XX/XX/XXXX they put me on a Balloon Modification program " trial period '' per the letter attached. IT states that the payments due for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were the {$4400.00} due on XXXX of those months. Clearly as you can see in the copies of the cashed checks, all was paid each of those months on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX -- -- NOT LATE, I decided this loan payment was absurd and paid off the loan on XX/XX/XXXX, in full {$560000.00}!!!!! Clearly I am not going to accept their falsifying information on my credit score when it dropped from XXXX to the low XXXX OVER 100 points!!!! This has effected my future purchases since then!!! AND AGAIN, completely false. I have attached all the documentation again along with MORE proof on the XXXX CREDIT FILE XX/XX/XXXX CONFIRMATION # XXXX, ON PAGE 3 OF 6, SEE HIGHLIGHTED AREA WHERE SAYS AMOUNT PAST DUE AND SAYS {$0.00}. ON XX/XX/XXXX PAGE 4 SAYS SCHEDULED PAYMENT AMOUNT, {$1400.00}, ACUTAL PAYMENT AMOUNT ON SAME LINE {$4400.00} AND AMOUNT PAST DUE, XXXX!!!!! SAME FOR LINE XX/XX/XXXX AND XX/XX/XXXX!!! SO HOW CAN THEY FALSIFY INFORMATION AND SAY I WAS LATE FOR XX/XX/XXXX AND XX/XX/XXXX SEE ALL  ATTACHMENTS, I NEED THIS CORRECTED IMMEDIATELY I HAVE SPENT COUNTLESS HOURS ON THIS WITH FAXES AND PHONE CALLS TO BANK OF AMERICA WITH NO PREVAIL ... .I NEED THIS CORRECTED IMMEDIATELY PLEASE
Product: Mortgage

I called CitiMortgage and asked if there was anything they could do to help me by lowering my interest rate because my mother who had been on the mortgage with me had died and my income was too low to get a lower interest loan and I had tried for the HARP and HAMP loans and was n't qualified that way either. They had me fill out a lot of paperwork and when wall was said and done they sent me my new payment amount. I believe it was {$90.00} less a month. I did n't really look at it that closely at first but when I did I realized that they pushed my loan out to XX/XX/2050 and at this time I am only paying {$95.00} a month towards the principal. They did n't lower the interest on bit. I dealt with XXXX different people, XXXX in particular who seemed to work from a script and did not answer my questions very well. This was over a year ago but it 's really bothering me that they did n't really help me at all. Since that time they raised my payment {$10.00} a month and charged me {$600.00} additional dollars saying I did n't have enough in my escrow account for taxes and insurance.