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

I was stunned this morning when I saw inaccurate accounts on my credit report, and I cant figure out how they got there. I regularly check my report, but this time, there were errors out of nowhere. I even tried refreshing my browser, hoping it was a glitch, but the mistakes didnt disappear. Im begging for a thorough review of the documents Ive sent so I can put this nightmare behind me once and for all.
Product: Checking or savings account

Going on a couple years. My regions acct was credited with a Treasury check from a young Spanish lady I was romantically involved with at the time as reimbursement or collateral for the moving I was helping her & her family with.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( XXXX, XXXX, and TransUnion ) and several creditor companies. 

Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted.

2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided.

3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score. 
4

. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights. 5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA.
Product: Debt collection

I have disputed this account several times through all 3 credit bureaus. No one has provided me with the contract showing I signed and agreed to pay this amount to this company and I have asked for it to be removed from my credit report. By law the company has to provide me with information on how they found this account accurate and also report information to my credit report accurately, and they have failed to do so.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Opened on XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Opened on XX/XX/XXXX XXXX XXXX
Product: Debt collection

Im making a complaint against trans world system inc. For some reason this account ended up on my XX/XX/XXXX report Ive reached out to the company more than 3 times but the account the day belongs to me is not mine, I was homeless for the time they said I had the account. In 2018 I was completely homeless and jobless how did I get any service from this company. Around the same time me and my wife identity was comprised and I told the credit bureau XX/XX/XXXX this but this account is still hanging around. I am very concerned with the level of identity theft going on in our country right now let alone my state. I actually had my identity stolen before so I know for a fact that this must be the same thing. This account isnt mine and the creditor wont tell the credit bureau XX/XX/XXXX the truth, its not mine and needs to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX. ( A ) ( XXXX ) 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. 


After reviewing my report I must inform you that I am NOT responsible for none of the Bank accounts listed on my report as I have been a victim of identity theft. 
I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete all of the bank accounts negatively impacting my credit report immediately! Ive sent out numerous letter to both Early Warning and the XXXX asking for proof showing that these accounts are mine and neither companies has responded to my request i demand that they both delete all inaccuracies off of my reports immediately or I will be forced to hire an attorney and seek legal fees for the stress this has caused me. 

Thank you, XXXX XXXX
Product: Student loan

I wish someone would have said this federal student loan forgiveness is not for loans with Navient. This along with me having paid them with court ordered payment plan which I know have been told is not recognized has now made me from being paid off to having a balance of around {$2000.00}. I guess I do not understand how this can be happening. I have paid on the loan since 2001 and still owe them money. Thanks for letting me get this out.
Product: Mortgage

I wanted to set up automatic payments for my mortgage. I faxed the request and checked with the lender a XXXX later. I was told it had not been received, XXXX days later I got a letter from my mortgage company stating that the request had been received but the voided check had not. I sent a voided check and a new automatic payment request. When the next payment was not taken out of my account, I again called the lender and again was told that they had not received a request for automatic payments. XXXX more time, after receiving a letter that they had the voided check, but not the authorization form, I sent both. When I was again told by customer service that they had n't received the form and voided check, I gave up and mailed a check. The day the check cleared ( XXXX XXXX, 2015, ) I got a letter from the mortgage company stating that the automatic payment of {$1300.00} would start on XXXX XXXX, 2015. I called the mortgage company on XXXX/XXXX/15 and told them to stop the XXXX/XXXX/15 payment as they had already cashed the check. That same day I placed a stop payment on the {$1200.00} at my bank. On XXXX/XXXX/15 the mortgage company withdrew {$1000.00}?? After a faxed request and numerous phone calls the funds have not returned. The customer service department has refused to provide access to a supervisor, once transferring me to " the person who handles your account '' after I told her to transfer me to a supervisor. The person who transferred the telephone call identified herself as " XXXX '' and refused to provide me with a phone number at their corporate offices.
Product: Debt collection

Several of my relative and employer received a call stating there was an arrest warrant out for my name if they know my where abouts. I called they claim they were a mediation firm there was a debt in my name from XXXX that I knowingly defrauded the company. I asked them to verify the deb by sending a letter of verification they just said they would send a subpoena to my home and hung up.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Please act immediately to eliminate the fraudulent inquiries from my credit report, as they were not authorized by me and are causing me significant distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto lease with XXXX XXXX XXXX and on XX/XX/2019 it reported to all 3 credit bureau that i was late 30 days and caused my score to drop over 50 points which denied me an approval for a coop / condo mortgage. These mortgages have stricter requirements than standard single family homes. I called XXXX to express my concern and they provided me with a certified copy stating that my account was never late or been delinquent since its birth and they have never reported anything negative to the credit bureau. How is that mistake made and how can it be fixed. Tried to dispute with all three credit bureau but my credit score stays the same and provided them with a copy of the letter exonerating me from such delinquency.
Product: Credit reporting or other personal consumer reports

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 a consumer 's file at a consumer 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 disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX  - XX/XX/2022 XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

FCRA 605B says we got ta delete wrong stuff from my credit report. Can you look at the papers? Some accounts listed are wrong about money and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Experian was on XX/XX/XXXX, XXXX and l Haven't received any response from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. These are the Summary of the Negative accounts reporting on my Credit Report. 

XXXX XXXX XXXX {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with transunion, experian and XXXX on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Debt collection

I had XXXX XXXX on both my feet in XX/XX/2022. At that time I was given an estimate of around {$1700.00} for the hospital and Dr. fees and paid that. Then a few months later I got a bill for {$2400.00} more for some screws, they put in my feet that I was not told about before the XXXX. Apparently the cost for these screws is XXXX and thats the source of the XXXX they want now. I have a pending claim with the no surprises helpdesk through XXXX. According to XXXX the claim is still pending and has been transferred to another department or agency that specializes in this kind of issue. I received a debt collection notice about a week ago, despite the claim still being pending
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working hard to increase my credit score by paying down all old credit cards as well as any debt in collection. I monitor my credit through XXXX XXXX and I noticed somethings that are wrong in regard to my credit report. When I logged into XXXX XXXX it said my credit score is dropped to XXXX a decrease of 26 points because I paid down a balance on my credit card. This is wrong since I paid down the balance my credit score should increase not decrease, when I reached out to Equifax they could not explain why. This is not right as a consumer equifax should have a reason and standard to follow when it comes to credit scores. My score should have went up not dropped. I want this issue looked into immediately as it appears Equifax is not doing its required by LAW do diligence to accurately report my credit and credit score. I want this issue looked into immediately and my points that were drop restored back to my credit report as this is causing me hardship in regards to me fixing my credit up.
Product: Credit reporting or other personal consumer reports

Currently XXXX XXXX XXXX is reporting wrong info on all credit reports for a Credit Card that was closed as a part of a bankruptcy. This debt was discharged and the discharge letter is attached.
Product: Credit card or prepaid card

XX/XX/XXXX - paid {$1400.00} to XXXX in XXXX as a speaker for World Congress of Nursing Conference ( WCN XXXX ) with my Citibank Mastercard XX/XX/XXXX - wrote the company for cancellation and refund due to conflicting schedule at work to attend the XXXX XXXX event ; company would not want a refund. Instead offering other conference for me to attend which I am unable and declined. 

XX/XX/XXXX - called Citibank Mastercard about the issue and advised not to pay XXXX Citibank was aware that Conference organizer was contacted to settle the issue in good faith via formal letter and email but to no avail, it was unsuccessful. 

Citibank acknowledged and cancelled my current Mastercard credit card and replaced with a new card to prevent charging from the said company. 

XXXX Citibank called updating me that transaction was not made with XXXX XXXX. 

XXXX Dispute was resolved in favor of me. XXXX XXXX was not paid with {$1400.00}. Reversed the charge on my billing statement. 

XX/XX/XXXX - Billing statement showed {$1400.00} was charged back to my credit card account. Called Citibank to clarify about the dispute. Customer service XXXX from Citibank was insisting that transaction was not fraudulent but I again explained that effort and diligence was done at my end the soonest by contacting both organizer and citibank about my cancellation and asking for a refund from XXXX XXXX should charges were made. Also, brought out that the issue was been closed and resolved on my favor. And I clearly stated to XXXX that I will not be paying the {$1400.00} with my hard earned money especially with this pandemic situation where people are financially tight. 

I asked to talk to a citibank credit card manager but was unavailable and will call me back within 24 hours. 

I want the {$1400.00} charged to my billing statement be taken out. 

Your kind assistance is highly appreciated. 
I have all the documentation showing my diligence in communicating with the conference organizer. 

Also, I am available anytime should you have any questions to clarify things. 

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

Citibank best buy has reported an unauthorized inquiries on my XXXX   credit, I also have a theft report number XXXX XXXX
Product: Debt collection

On XXXX/XXXX/XXXX XXXX XXXX notified me of new accounts placed for collection. When I checked my mail, there was a letter from Commonwealth Financial Systems regarding a debt they purchased from XXXX XXXX XXXX, of which I have never received any correspondence. They have listed 3 items, from XXXX and XXXX, 4 and 3  years ago, respectively, and I am unaware of these charges. I 'm trying very hard to get my credit fixed and my score back up, and this was a shock to me. I also have a negative comment from the XXXX XXXX for XXXX XXXX XXXX, and I have n't even walked into that place in at least 15 years, so I have no idea what this charge is for because I do not use the clinic or any of it 's doctors or services. I 've been trying extremely hard to keep any and all medical payments made and kept current, so I 'm very surprised about these bills because I had no prior knowledge. I 'm also very upset that Commonwealth put this into my credit report immediately instead of sending me prior correspondence to let me know about it so that I could see what it was even for. Thank you in advance for any assistance you might be able to give me.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

They start calling at XXXX and call numerous times a day. Every day from different numbers for 2 weeks straight.
Product: Debt collection

I have already reached out to Bank of America National Association I was told by XXXX a supervisor in funding they have completed the performance on XXXX. 
Performance transferring the principal to the principal account for the principal. Federal Reserve Act Section 16. Note Issues The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington , District of Columbia, or at any Federal Reserve bank. 
Misleading representation and hiding that disclosure.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the balance reported on my account # XXXX from XXXX XXXX The reported balance of {$920.00} is incorrect. The correct balance should be {$0.00}. 
Ive attached a payment receipt and payoff confirmation letter, that verify the correct balance. I request that you correct this information and update my account accordingly. 

In addition, under the CARES Act, states lenders can not report late payments to credit reporting agencies, and also are required to report your accounts as current during the COVID-19 pandemic, which didnt end until XXXX XXXX XXXX.
Product: Mortgage

DiTech Financial took over my loan from XXXX XXXX XXXX in XXXX of 2016. I pay my bills through XXXX XXXX XXXX pay and schedule this bill to be paid at the same time each month. things were great until XXXX when I received a notice that my payment had not been received. I called DiTech immediately to find out what happened. All they could tell me is they will investigate. This happened again in XXXX. As of today, they still can not find my payments and now I have received a foreclosure notice. XXXX XXXX has sent the payment and even conferenced in with DiTech to try and resolve. Each time I call DiTech I start over with a new rep that basically can do nothing to resolve my issue. I 'm not sure where to turn now.
Product: Debt collection

I placed a call to first federal credit control on XXXX to inquire about a settlement and spoke to a representative by the name of XXXX at EXT XXXX. XXXX explained to me she would send me out a bill that I requested and she asked me how much I can pay to satisfy the debt and I gave her an amount she said it would take 24 hours before she can give an answer. XXXX failed to notify me that she was a debt collector attempting to collect a debt. About an hour later I received a call from XXXX and the agent explained I would n't be able to settle the debt I have to pay the full balance and she asked me when I planned to pay but she never disclosed she was a debt collector attempting to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute with all 3 Credit Bureaus ( XXXX, Transunion and XXXX ) to remove these unauthorized inquiries and was unsuccessful. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX DOB : XX/XX/1997 Experian Customer Services Attn : Arbitration Opt-Out XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To : XXXX XXXX XXXX Chief Executive Office & Experian Customer Services I recently purchased a copy of my Experian credit report through the Experian app, please use this letter as confirmation that I herby Opt-Out and do not wish to resolve disputes with Experian through arbitration. 
Again, I reject the arbitration clause in the Experian interactive service agreement. 

Thank you again for you speedy help with to this matter and noting my account. 

Enclosed is a Copy Of Photo ID for proof of my identity and a piece if mail, bill for proof of my address Please kindly reply to in writing to the Affidavit, as I wish to know by mail that Experian has received my request and that my demand for Arbitration Opt-Out has been processed and honored. 

I declare under penalty of perjury that this Arbitration Opt-Out demand to Experian has been prepared for Presentment to Experian, by me, XXXX XXXX XXXX XXXX
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 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

IC System settled a debt with me, then sold the full debt to another debt collector. Then pretended they never heard of me. Below is a screenshot of my credit report with them before they sold it to another company
Product: Credit reporting

EXPERIAN IS SENDING ME A PIECE OF PAPER TO VIEW THE CREDIT ONLINE ... I HAVE NO WAY TO DOWNLOAD THAT REPORT IN PDF. EXPERIAN ONLY ALLOW A FEW TIMES TO VIEW BEFORE EXPIRY. 
I HAVE NOT RECIVED POST INVESTIGATION CREDIT REPORT IN PAPER FORMAT AS OF THIS DAY.