23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper reporting of medical debt. Medical debt is not allowed to be reported it until it is at least 365 days past due. 
The provider of the loan is completely insignificant as to the legal definition of medical debt. 
The company is completely reckless in allowing the customer care agents to assist with XXXX  complaints and the proper reporting of medical debt. 
Medical debt is defined as debt that arose from the receipt of medical services products or devices. Please see attachment.

Due to an illness I was forced to incur debt that arose from the receipt of medical services thus medical debt. Medical debt can not be reported until it is at least 365 days past due. 
The company must either prove that the alleged debt did not arise from the receipt of medical services and that it is more than 365 days past due. 
If they can not prove the above then it must be deleted from my credit report immediately. 
I have suffered damage and loss by the alleged medical debt being reported to my credit reporting agency. The problem was made worse by a non qualified agent responding to the medical debt investigation and XXXX  complaint. All she did is change the topic but provided no proof that its not medical debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM FORMALLY DISPUTING AN ERRONEOUS REPORT MADE TO THE CREDIT BUREAUS BY LOANDEPOT ON MORTGAGE ACCT # : XXXX On XX/XX/XXXX I enter a 3 month forbearance program offered by LoanDepot to the Florida residents affected by hurricane Irma. As such, I did not have to make payment for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I contacted LoanDepot to make payment arrangements to bring my account up to date. Along with the assurance of not reporting any negative information to the credit bureaus a loan modification was tentatively offered to me after a 3 month trial period in which I would have to pay the amount of {$1600.00} every month from XX/XX/XXXX to XX/XX/XXXX. 
After making all 3 payment ( XX/XX/XXXX XX/XX/XXXX ), I contacted Loandepot on XX/XX/XXXX to ask why my account was reported 90 days delinquent to the credit bureaus. LoanDepot representative told me that it had been a mistake on their part and that the account shouldnt have been reported late or delinquent. LoanDepot also stated they were going to report back to the credit bureaus to correct the erroneous report. On the same call a payment for the amount of {$4700.00} was made to bring the account to current ; therefore, the previously offered loan modification was not utilize. 
To this day two credit bureaus ( XXXX and XXXX ) are showing my LoanDepot account as 90 days delinquent ; consequently, significantly dropping my credit scores ( in the case of XXXX almost 200 points ) which in turn affects my ability to make significant purchases and investments previously planned. More importantly affecting my XXXX XXXX status. I am a XXXX XXXX and XXXX XXXX XXXX subject to periodic background investigations in which credit history is given serious consideration and attention when determining the ability to maintain a trusted position such as mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one bank, XXXX XXXX, XXXX, and XXXX is reporting 3 late payments on my credit report therefor prohibiting me from obtaining any new credit accounts with any other financial institution. In addition to that because of this my credit score has dramatically decreased.
Product: Mortgage

I have for 12 years or longer, have taken every course available to me, to try and FIX what is WRONG with this account. I have used XXXX. ( on two separate occasions ) who was not able to get any positive results for me. I tried and was approved twice for the H.O.P.E. Program. How, this one failed, is that the LENDER and all other entities who are involved on my deed, do not participate in the GOVERNMENT PROGRAM. Now, how is that FAIR, for the people who are still loosing their homes to nothing but FRAUD 'S. Next, my CHAPTER XXXX, and what happened here is CRIMINAL. I have all the ORIGINAL DOCUMENTS. The actual Complaint is : J.P. MORGAN / CHASE, can not prove what happened to my payments, and I am  going to say this, every time they send me a NEW ACCOUNT HISTORY, it's only gets worse. I am sending you documents that show the ending balance of the principle, when Mortgage It, sold the loan after two years. When J.P. MORGAN / CHASE purchased the loan, they show the beginning balance of {$120000.00}. When actually it was, {$120000.00}. That's FRAUD. This is the 2nd request for J.P. MORGAN / CHASE via a C.F.P.B. Complaint, to show the Chapter XXXX payments coming in and being applied to my loan. Now, this is important. On the last complaint, I was speaking to XXXX XXXX from CHASE. This is a true quote of what was said. XXXX was speaking to me only about the Chapter XXXX payments. I advised XXXX that not only was Chapter XXXX missing that almost all my payments were gone. They put them into SUSPENSE from what I can tell they got gone. XXXX said he was going to follow-up with these documents ( accounting history ) and I said I already got them and have gone through them and I don't see any payments. I then said to XXXX, I would suggest that you do them same. XXXX said, I did, and I said well, did you see any payments, XXXX said NO. He admitted that there was no record of the Chapter XXXX payments and wanted ME to help him by faxing my documents of proof over to him. Sounds Fraudulent to me.NOT SURPRISING. So, I advised XXXX how the payments were made via, GARNISHMENT, through my company every single week {$360.00}. I told XXXX that he would have to contact the TRUSTEE. Please take time to look at the pages numbered 1-5. The In-House modification called " CHAMP '', Chase added in {$39000.00}, when I asked in an earlier complaint, I was advised fees due to the Lender, no proof of these. On page 5, of Chase 's answer of the last complaint. Chase indicates that those fee totals, are {$12000.00}. I have originals showing Chase charging my account XXXX, many many times as a CORPORATE ADVANCE, I believe is what the description of the charge. There is so much FRAUD, I can not believe that someone is not helping me at all on this.
Product: Debt collection

In XXXX I received a collection letter stating I owed XXXX from Delta Management Associates , Inc . 
I sent them a letter disputing the loan, specifically asking for copies of all original written agreements and a breakdown of all collection amounts. They never responded at any time in XXXX, XXXX, or XXXX. I believe they are to respond with in 45 days? 

At the end of XX/XX/XXXX, I received another collection letter from them. Only this time it is obviously the same loan, broken now into ... two different loans. With two different account numbers. At first, I ripped them in half, but then it occurred to me what they were doing. I did not dispute them this time because I believe it is the same loan. 

I believe because I disputed the first letter, and they never responded to it as requested, they just deceitfully broke it down now into two different loans, with different account numbers so they can continue to try to collect it. Figuring I wouldn't bother to dispute it again a second time. Which I didn't. Since I didn't dispute the new " set '' of loans, now they can assume it as a " valid debt '' and continue to try to collect it. I believe this is certainly a deceptive practice. Number one, because it just is. I mean how many times will they not provide proof, and keep splitting the loan, or changing the account number? Number two, because they don't have proof of the original loans this is what they do? I believe it is a fraudulent method to bypass having to provide me with proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit repair request to all 3 bureaus, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Product: Student loan

I reached out two separate times to ask about any programs to help me afford my payments and get caught up. They told me there are no options for me. I had a temporary reduction in income in XX/XX/2023 due to hours at work being cut. This caused me to fall behind in addition to a move that occurred at the same time. I reached out to them 2-3 months ago and was told there were no options for lower payments, deferments or forbearance. They would not work with me. I had to not pay other bills to get current. But due to a job change and not getting full paycheck yet in addition to already being behind on everything else I fell behind again. I am now 77 days behind and they still refuse to work with me to get this account current other than to make the full payment. They are telling me I exhausted all options in the past ( I have been paying on the loans for at least 15 yrs so I probably exhausted this a long time ago ). My interest rate has also doubled in the last year or two. It was 5.5 % and now it is over 10 % which increased my payments.
Product: Mortgage

The deed of assignment was put in a repurchased remic XX/XX/XXXX. XXXX bought cwmbs reperforming loan remic trust certificate series XXXX back. And if the remic was valid then how come the security exchange commission, XXXX. XXXX, XXXX, XXXX, And XXXX, etc have record reports saying it was closed XX/XX/XXXX on a XXXX form. So again if the that deed of assignment is actually valid the how come no one has been reporting it to the sec since XX/XX/XXXX. Also again concidering its been repurchase then XXXX XXXX XXXX sold the mortgage to XXXX as the trustee violating the sec regulations. And giving the service rights to nationstar mortgage as well with the improper deed of assignment. And how come all of a sudden hud has no record of any of the paperwork on this mortgage as of XX/XX/XXXX. So it is clear that nationstar mortgage thinks official documents from the the sec are invalid. The master remic paperwork for the remic series XXXX, XXXX XXXX mortgage pass-throught trust XXXX file number XXXX is invalid as well.
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 XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXXXXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 10th time that I have contacted these two reporting agencies and I'm disappointed in the lack of integrity that these people take to hold our credit reports! FIX THIS ASAP! I've paid PERFECT payments since XX/XX/2018 and you need to report this on my credit!!! My score has dropped since you stopped reporting it! So put this back on now! I have PROOF that this account is {$5000.00} limit and I've made perfect payments since opened! So report it! XXXX  is reporting it so YOU NEED TO REPORT AS WELL! ACCOUNT # XXXX XXXX XXXX {$5000.00} limit
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings ; I sent 5 rounds of letters to the credit bureaus such as Equifax, XXXX  and XXXX  but they dont ' investigate about my problem beacuse I have not recieve any letters of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed 6 disputes over 3 years with equifax to have a charge off account show as closed on my credit report. No matter how many times I show the account is closed, it remains open with a XXXX balance.
Product: Credit reporting or other personal consumer reports

I looked at my credit report and notice some fraud accounts. I also noticed some old fraud address listed on my credit report
Product: Credit reporting or other personal consumer reports

I have sent XXXX, Equifax, and XXXX the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulebt inquiry immediately. 

XXXX XXXX inquiry date XX/XX/22
Product: Credit card

Credit card company stopped sending statements, claiming that they were sending 'paperless ' statements, none of which were ever received. There were no problems with the email system on my end. They were simply not sending statements. Eventually, I missed payments, since I had to check the website periodically to see if I owed anything. They reported the missed payments to the credit bureaus, claiming that the glitch was not their problem. This has directly effected my credit score and report.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding ongoing and repeated violations of my consumer rights. This is the second instance in which certain accounts, which were previously removed from my credit report, have reappeared alleging an owed debt. 

I have already taken the step of sending a debt validation letter to the relevant parties. Despite this, they have failed to respond appropriately or provide the required validation. This lack of response is in direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Given these repeated violations and the failure to validate the alleged debt, I am prepared to pursue legal action to protect my rights. However, before taking this step, I am requesting the Consumer Financial Protection Bureau 's intervention to ensure these accounts are removed from my credit report and that my report is updated accordingly. 

Your prompt attention to this matter would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

i have called this company several times ( ROCKETLOANS ) about the loan that was open when i locked i was XXXX XXXX XXXX XXXX  from XX/XX/XXXXXXXX XXXX XXXXill XXXX of XXXX i have filed police report and sent proof and done a ftc report XXXX  and XXXX are failing to anything about the negative fraud accounts reporting to my credit thes loans was taking out round the same time these are causeing hardship to life and impacting me in ways that making it hard to recover from
Product: Debt collection

I began contacting this BarclayCard in XX/XX/2018. On XX/XX/2018, a letter was sent via certified mail to BarclayCard asking them to verify the debt they said was owed. I specifically requested a copy of the specified application with the " wet ink '' signature. The letter stated that if this request could not be honored, then the alleged debt/account must be deleted/removed. Attached to this letter was a copy of my social security number and driver 's license as means of identification. I then began receiving 3-5 harassing phone calls per day. I respectfully asked for written correspondence on this matter because over the phone, the company refused to assist. 
On XX/XX/2018, I received written correspondence from BarclayCard stating that the company could not complete my request. The harassing phone calls continued, again around 3-5 calls per day. I again requested written correspondence. The calls again continued. In XX/XX/2018, I received written correspondence from BarclayCard stating they had enclosed a statement. This is not what was requested for validity of this debt/account claim. In response, On XX/XX/2018, I sent a final notice to Barclay Card again requesting a copy of the original credit application or contract with a " wet in '' signature to validate this alleged debt. This request was only met by continuous harassing phone calls. 
On XX/XX/2018, BarclayCard sent written correspondence stating that they needed " proof of identity '' to process this request ( after already saying they couldn't complete the original request ). Again, the social security card and driver 's license were sent in with the letter dated for XX/XX/2018. 
On XX/XX/2018, BarclayCard called a family member 's home asking for me. The person told them I was not available. The representative on the phone then released ALL information pertaining to this account without verifying who they were speaking too. BarclayCard disclosed all personal information that was attached to this account including, but not limited to, a name, amount " owed, '' payment history, etc. The person that BarclayCard was speaking to was not asked to verify any information on the account. The person that Barclay was speaking to told the BarclayCard representative that they were not the person they were calling for nor did they have any business with the person that BarclayCard was calling for. Yet the representative continued to disclose all information to the stranger on the other end.
Product: Credit reporting or other personal consumer reports

These hard inquiries were fraudulently made on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 5times ), XXXX ( 2 times ), XXXX XXXX ( 3 times ), XXXX XXXX XXXX XXXX XXXX  ( 2 times ) . As well as several closed accounts that I do not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As well as several closed accounts that fraudulently opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY APPLIEDFOR AN APPARTMENT AND I GOT DENIED. I DO NOT UNDERSTAND WHY I WOULD BE DENIED BECAUSE MY INCOME, RENTAL HISTORY AND CREDIT IS UP TO STANDARD. TODAY I CHECKED MY CREDIT REPORT WHILE DOING SO I SEE ITEMS THAT ARE NOT MINE. I DO NOT UNDERSTAND WHAT IS GOING ON, BUT THESE ITEMS ARE NOT MINE AND THEY ALL NEED TO BE DELETED FROM MY CREDIT REPORT.
Product: Vehicle loan or lease

On XX/XX/2023 I was denied credit twice by Alaska USA Federal Credit Union for reasons other than a credit based, ability to afford and/or ability to repay a loan. We were given inconsistent reasons for the denial. I do not believe they are being truthful or honest in how this situation was handled. Please see my attached statement.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the + Equifax-data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that! was in fact a victim of this data breach. According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I

DID AUTHORIZE THESE INQUIRES 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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of getting a home. After they checked my credit report after being denied I saw four accounts that were not mine. I submitted a fraud report
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft. The following accounts were used unauthorized and it affects my finances badly. I need help, I demand to remove the following accounts from my Credit Report! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX