23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CAC FINANCIAL STATED THEY WOULD SEND VERIFICATION/ITEMIZED BILL ONTOP OF IGNORING MY REQUEST FOR A SIGNED HIPPA RELEASE, THEY SENT ONLY PHOTOCOPIES THAT ANYONE COULD HAVE TYPED UP THEMSELVES. THERE ARE NUMEROUS Descreptancies WITH BOTH BILLS. ONE WHICH DOES NOT EVEN HAVE MY NAME ON IT. BOTH BILLS HAVE A DUPLICATE CHARGE FOR SAME SERVICE YET COMPLETLY DIFFERENT AMOUNTS BILLED, ALONG WITH NUMEROUS DUPLICATE CHARGES ON THE BILL THAT IS NOT MYSELF FOR SAME SERVICE. 
THE BILL OF {$3800.00} SHOULD OF BEEN XXXX  OUT {$0.00}. I HAD ALREADY BEEN XXXX  FOR OVER A YR DUE TO XXXX XXXX XXXX XXXX, I WENT INTO XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT SURE WHY OTHER CHARGES WERE CHARGED. I ALSO FILLED A HARDSHIP APPLICATION AT HOSPITAL AND WAS INFORMED ALSO THAT XXXX WAS OPENED FOR ENROLLMENT DUE TO PANDEMIC, I APPLIED AND IMMEDATELY APPROVED. XXXX XXXX XXXX XXXX XXXX  AND WAS DOWN FOR CLOSE TO TWO MONTHSXXXX XXXX XXXX XXXX XXXX XXXX THAT RESULTED IN XXXX XXXX XXXX  AND TWICE WEEKLY VISITS TO XXXX XXXX  FOR CLOSE TO A YR. THIS WAS NOW GOING ON 3 YRS OF XXXX. I QUALIFIED FOR XXXX XXXX AND WAS APROVED AND STILL ON TO THIS DAY, COMPLETED HARDSHIP APP AND HOPSITAL RESULTS OF HARDSHIP APP WAS THEY NEEDED TRANSCRIPT FROM IRS BC THEY CANT ACCEPT SELF PREPARED TAXES, AND AT THAT TIME IT WAS NEXT TO IMPOSSIBLE TO EVEN REACH THE IRS BUT EVENTUALLY RETRIEVED THE TRANSCRIPT AND SENT TO HOSPITAL AND WAS INFORMED IT WAS IN COLLECTIONS. I AM BY NO MEANS IN A POSITION TO PAY THIS, EXSPECIALLY SINCE HAD I KNOWN I COULD GET MEDICAL FROM STATE THEN I WOULD OF BEEN ON IT WHEN I WENT TO XXXX  BC I DID QUALIFY FOR IT.THIS COLLECTION IS HURTING MY CREDIT. BEING XXXX  BEFORE PANDEMIC, XXXX  XXXX  ONLY AS A XXXX  FOR MERLY XXXX  WKS BEFORE XXXX TOOK THAT AWAY. THEN ONLY TO HAVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ALSO NOTICED ON THIS OTHER BILL WITH DIFFERNT NAMES THERE WAS A SELF PAY DISCOUNT, WHY WOULD THAT NOT BE APPLIED ALSO TO THE BILL OF {$3800.00}. REGARDLESS I requested to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of BOTH accounts. According to the Consumer Reporting Act, Section 609 ( a ) ( I ) ( A ), the collection agency is required by federal law to verify - through the physical verification of the original signed consumer contract- on any and all accounts they post on your credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent accounts or info. 
They have not provided me a copy of a contract with my wet original signature to validate I owe the debt. Please remove these negative unverified accounts from my credit file.
Product: Checking or savings account

I refused an offer for overdraft protection From Comerica Bank. I am getting continuous overdraft fees athat i can not afford to be taken away from me, lest i be out on the street because i can not pay my XXXX rent.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. 

I have sent Experian, XXXX, and XXXX multiple dispute letters and FTC reports for this account. They continue to leave remarks and not remove the account from my credit profile. The phone number, address, and account status is inaccurate. This account is not showing maximum possible accuracy according to 15 USC 1681e ( b )
Product: Credit reporting

The original case number was reported in XX/XX/2017, stating that my wife and I are in the middle of Short sale. I would like to report with proper documentation from XXXX that the house was sold on XX/XX/2017. The property address XXXX XXXX XXXX. XXXX GA, XXXX. XXXX XXXX and XXXX XXXX XXXX do not own the house anymore and please see attached documentation that the amount owe needs to be taken off from our credit. This is no longer our debt, we sold the house. See attached closing documentation.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to bring to your attention a serious issue regarding the reporting of my payment history for my XXXX  account ( Account Number : XXXX ), which was discharged in bankruptcy. 

Recently, I disputed the payment history of this account with Equifax, citing that the debt had been discharged in bankruptcy. In their response, Equifax claimed that they do not report late payments on discharged debts. I will attach this letter from Equifax for your review. However, this assertion is not accurate. 

Upon obtaining my credit report directly from Equifaxs website, I found that they are still reporting late payments on this account, in addition to classifying it as a charge-off. This contradicts their claim and violates the Fair Credit Reporting Act ( FCRA ), which stipulates that information regarding debts discharged in bankruptcy must not be reported as delinquent. Specifically, under FCRA Section 623 ( a ) ( 1 ) ( A ), a furnisher of information is required to provide accurate information to credit reporting agencies. 

I am attaching both the letter from Equifax and a copy of my credit report as evidence of their inaccurate reporting. Given the nature of this issue, I am also prepared to file a report with the Federal Trade Commission ( FTC ) if this matter is not addressed promptly. 

I kindly request the CFPB to investigate this matter and take appropriate action against Equifax for their misleading information and failure to comply with federal regulations. Thank you for your attention to this important issue. 

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

Please be advised I have a tradeline from XXXX XXXXXXXX XXXX on my credit report! It is a self lender account as to where I paid a certain amount each month and it is deposited into a CD and at the end of the term ( which I have completed ) I get my money plus interest back! The tradeline is showing I was 30 days late in XXXX of 2017 which is not correct! I was never 30 days late!
Product: Credit reporting or other personal consumer reports

Since XX/XX/2024 I have been trying to get a copy of my credit report from Experian. 

However, this effort has proved futile. I have submitted written requests with proper proof of identify. That is, copy of my social security card, copy of my driver license, and a copy of a recent utility bill ; I also have tried to request a copy of my credit report via their web-site, and have even called and talked to several of their representative. I have had a lot of difficulty communicating with some fo their representative because of their native language and heavy accent. 

The last time I talked to them on the phone on XX/XX/2024, I was informed that the problem was due to not having a mailing address associated with my credit profile. I was told that once I uploaded proper proof of identity the problem would be solved. That same day, I uploaded the same document I have sent to them several times previously. 

However, the issue has not been resolved and access to my credit report from this company is still not available. 

I have uploaded same documents previous provided to Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous negative items stated on my credit report that is not mine. I was never aware of these negative items. I believe I have been a victim of identity theft and this misinformation on my credit report has been affecting me terribly. My information was also compromised during the Equifax data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX and XXXX  are reporting 2 hard inquires which I need validation for or please remove : Inquiry : XXXX Date : XX/XX/XXXX Inquiry : XXXX Lease Only Date : XX/XX/XXXX
Product: Mortgage

I have been trying to work with Caliber Home Loans to save my home from foreclosure. 
I sent a complete modification package to Caliber fax numberXXXX. 
The Submission contained all requested documents along with the RMA. 
We have submitted at least 10 modification packages and each time we have had to start over.

The hardship that we had is over and we are employed and want to work with Caliber to save our home. Please help us stop this sale date for XX/XX/2018 and save our home. 
It sis not that we want to live in our home for free. We are responsible working people and want to save our home. If only we can come into a good working relationship with Caliber Home loans I know that we can bring our loan current and stay current on the payments. 
We are reaching out for help and support to get back on track with our mortgage. 
Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time that 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 XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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

This is a formal complaint that the company NATIONAL CREDIT SYSTEM continues to report misleading, and unverifiable information on my credit report. My first attempt to dispute the validity of this account through the three credit bureaus ( XXXX, XXXX and XXXX ) and NATIONAL CREDIT SYSTEM was on XX/XX/2021. Since then, NATIONAL CREDIT SYSTEMS has not responded to me with verifiable proof. They continuing to report a collection account on my credit report. The account number is # XXXX. They are alleging that I owe {$1100.00}. By law they are required to show me proof with original documents with the agreement showing the amount that I owe and proof that I owe them. They continue to ignore me, and I feel I am being taken advantage of. This account is hurting my ability to obtain credit and is tremendously affecting my credit score. I have not saw any proof that this account belongs to me. 

They sent me a generic paper showing the balance of the account at {$0.00} owed and on my credit report claims I owe {$1100.00}. They are obviously reporting a fraudulent account. I am not familiar with this account at all. This company has cause me so much XXXX  and financial stress. I am requesting that they delete all my information from their system and stop reporting or I will take legal action.
Product: Credit card or prepaid card

I applied for milestone credit card on XX/XX/2022 and never got the card called milestone on XX/XX/2022 and was told the card was never shipped and they would get a new card out to me right away. Called today XX/XX/2022 to make sure the card has been shipped and the rep advised they reported the card lost or stolden on the XX/XX/2022 when the first rep stated it was never shipped and now the second rep XX/XX/2022 stated a new card has not been shipped as they don't have plastic to make the cards. So i applied for a card that it appears i will never get so i would like to see what you can do to handle this for me. 

Thanks XXXX XXXX XXXX
Product: Student loan

Navient has placed my student loans under forbearance without my permission. I had been making payments. I actually should not have had to make payments on them because I was in school but Navient seemed unable or unwilling to put my loans under in school deferment regardless of my full time student status. I decided it was easier to just make payments on my loans while in school than try to navigate what feels like an intentionally unhelpful company system. I just logged in today to try and make one of those monthly payments and discovered this new change. I would like to say that I have noticed this before but thought that perhaps I was just misreading the information. Over the past year I have been paying more attention to their actions regarding my loans and am very concerned. I have also attempted MANY times to communicate with this company through their recommended message system. Everytime I have used this method I get an automated response that usually has nothing to with what my actual question or query was about. These automated responses usually discuss solutions to problems that are unhelpful and irrelevant to my situation ( s ).
Product: Mortgage

The compagny is discriminating against me by refusing to discuss my loan.with me they discriminate by taking my name of the note and the mortgage i m on the deed i het letters from their lawyer biut yet they wont discuss my loan with me i want my name on my mortgage please i m the owner and i need to ne able to kniw the status of my house.
Product: Vehicle loan or lease

My loan rates are at XXXX XXXX also I dropped a {$3100.00} down payment on a car listed at only {$15000.00} also the dealer lied on the application and said it was XXXX payment but it was a split payment. They never offered me the cancellation contract but forced me to buy the {$2000.00} warranty from their company. The list goes on.
Product: Student loan

I have tried to look at different options for repaying my loan through Navient online. However, when I select " Repayments Options '' there is no opportunity for me to determine the best route I should take. There are only two links that tell me to contact them at XXXX. When I have called that number, I have been informed that I don't have any option to help change my repayment options because I have private loans through them. At first, my account was serviced through Sallie Mae, but then was transferred to Navient a few years ago. I don't understand how I don't have the opportunity to consolidate my loans or have an opportunity to lower my payments when I have had these loans since 2008. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the ongoing issues I have been experiencing in my attempts to remove fraudulent items from my account. These fraudulent items are causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. 

I believe it is essential to provide an overview of the numerous attempts I have made : I first discovered the fraudulent items on my account and promptly contacted your customer service department. I explained the situation and submitted the necessary documentation, including provide a brief description of the documents submitted. I was assured that the issue would be resolved. 

After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review, and I would be contacted shortly. 

To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated, and that I should expect a resolution within a specific timeframe. 

The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items. I contacted your customer service department again, only to be told that my case was still under investigation, with no further information provided. 

This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with your company 's requests. The lack of resolution has taken a severe toll on my financial and emotional well-being. 

I request the following : Immediate and effective action to remove the fraudulent items from my account Clear communication regarding the status of my case and the steps being taken to resolve the issue. 
A formal written acknowledgment of the removal of the fraudulent charges. 
Compensation for any financial losses or damages incurred as a result of these fraudulent charges. I am asking for you immediate assistance to remo these items in my account : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$27.00} XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX A XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX : {$300.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

USCB America has reported I owe them for ( 5 ) Unauthorized charges of {$69.00}, {$270.00}, {$200.00}, {$51.00}, and {$67.00}. These charges were never authorized. Please help me to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an auto loan through XXXX XXXX yesterday XX/XX/20 but I was not approved because when they ran my credit, they saw several accounts in negative standing. I had no idea I had negative accounts on my credit history and when I looked through my credit report myself I realized that none of those accounts are mine. The accounts in negative standing that are on my credit history do not belong to me nor did I ever give anyone permission to open those accounts on my behalf. I did not benefit anything from the accounts listed on this report such as money, goods, services or any other benefit nor did I contribute to any payments towards these accounts. I do not have any type of written/verbal contract or affiliation with any of these companies and I never gave them permission to run or access my credit file. I have already filed a police report regarding these unauthorized accounts.
Product: Mortgage

We purchased a house in XX/XX/2019. We have an escrow on our mortgage account despite we put more than 20 % down. Our property tax is {$78.00} a month. Our mortgage company collects {$390.00} a month from us. The money we paid excessively in XX/XX/2019 was not refunded yet. I made an inquiry for escrow analysis, no respond. I told them we are struggling to pay our mortgage because of the pandemic. We lost our second income. Do they have a right to collect excessive amount of property tax from us? Do they use the money all year for their own benefit? We want to receive our excessive escrow ASAP and have them stop collecting escrow from us.
Product: Checking or savings account

Someone stole my bank card and used {$7200.00}, They tried using ( {$9000.00} ) more money but I was able to stop any more transactions. I already made calls to the bank, but they will not give me the credits. I never gave anyone my card and never gave a pin number to anyone. 

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

Hello, My name is XXXX XXXX and my identity was stolen in XX/XX/XXXX.  There have been numerous credit card applications and numerous credit cards received in my name and all of them were maxed out and all of them were opened fraudulently. I do not know who or how they obtained all of this information, but it is fraudulent. These accounts include a XXXX  card for {$300.00}, XXXX XXXX card for {$300.00}, and a XXXX Credit card for {$3000.00}. Each account was opened and maxed out on XX/XX/. I called each of these companies to report the accounts as fraud, filed a police report, filed an FTC report, and put fraud alerts with each credit bureau. All of this was completed within 2 days of discovering the fraud in XX/XX/XXXX. Since the reports were filed, both XXXX  and XXXX XXXX have removed the inquiries and credit off of my report, but XXXX has yet to remove the inquiry and report from my credit report. It's now been over 3 months since I have reported everything and yet the fraud account is still on my credit report.
Product: Credit reporting or other personal consumer reports

The information contained in your reporting to the credit reporting agencies is inaccurate and incorrect and has caused major harm to my character, general reputation, personal characteristics, and mode of living. The inaccuracies contained therein are a clear violation of my rights under the Fair Credit Reporting Act and the Privacy Act of 1974, as amended in 5 U.S. Code 552a.

The inaccuracy of account information is a violation of my rights under 15 U.S. Code 1681e.

The reporting of transaction history is a violation of my rights under 15 U.S. Code 1681a.

As such, I am now invoking my right as a federally protected consumer, to opt out of all authorization of further reporting I, the consumer, may have given you whether written, un-written, verbal, and/or non-verbal per 15 U.S. Code 6802.
Product: Credit reporting or other personal consumer reports

I checked my Consumer Reports and noticed that I had a late payment on an account that I was never late on. Consumer Reports agencies have taken on a vital role and are responsible for reporting Accuracy I have never been late on XXXX XXXX  account payments - XXXX XXXX Investigate and provide evidence with statements showing these payments were late if they can not be provided evidence I demand that these payments be updated on time as they should, as I have NEVER been late. Thank you Consumer information at its best with XXXX
Product: Checking or savings account

I am unable to pull the information. However, I received overdraft fees. My personal Information was also leaked through a breach in the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter on XX/XX/2022 to XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. 
according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, 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 ( XXXX ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller 15 usc 1681 s-2 15 usc 1692c 15 usc 1681i