23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On Monday, XXXX XXXX XXXX XXXX XXXX I received a phone call from XXXX. The man informed me he was with XXXX something and that I had a debt owed from HSBC aka Household Credit Services. I explained I had discharged that debt in bankruptcy and he is not allowed to call me on it. He said that wasn't true and I still owed the money. I said that is not true and hung up. 
I discharged this debt on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX 
It has been 16 years since this was discharged and they should not be calling me.
Product: Credit reporting or other personal consumer reports

When I called Lexis Nexis to get the XXXX XXXX report from an insurance quote adverse action letter, they verified XXXX pieces of information. I have JUST moved and don't yet have anything to prove my new address. They refused to send the report to my address on file or verify additional information to provide me with my report. 
They are making it unnecessarily cumbersome to obtain my report!
Product: Debt collection

I've tried calling the company to let them know they have the wrong phone number, I can't ever get through to speak with anyone.
Product: Credit card or prepaid card

My capital one case number is XXXX I applied for capital one 's credit card in early XXXX. I activated the card after I received it. But I haven't started using my card yet it's restricted. capital one asks me for an ID. SSN and proof of residency. They have now closed my account after I uploaded them all. I haven't opened the card for a month and they also ask me to pay an annual fee of {$390.00}.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my Transunion credit report : DEPT OF EDXXXX  ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, DEPT OF ED XXXX ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, DEPT OF EDXXXX  ACCOUNT NUMBER XXXX Open date : XX/XX/XXXX, DEPT OF EDXXXX ACCOUNT NUMBER XXXX Open date XX/XX/XXXX, DEPT OF EDUCATIONXXXX XXXX ACCOUNT NUMBER XXXX Open date XX/XX/XXXX, DEPT OF EDXXXX  ACCOUNT NUMBER XXXX Open date XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a duplicate inquiry from the same company on the same day. I have contacted them and the inquiry still shows on my report. This is effecting my credit and should be removed. 

Its from XXXX  XXXX XXXX on XX/XX/2020. I have made phone contact several times with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX directly as well as the credit bureau, my account is filed as closed through XXXX yet is reporting open on XXXX. Also, I have proof of payments yet it's reporting that my payments were late which is completely false bc when I login to XXXX  it shows those months as paid. 

I've called XXXX and disputed it with the credit bureaus and I've been told for months that it'll be updated and it hasn't been. 

This is impacting my credit score very badly.
Product: Credit reporting or other personal consumer reports

According to 34 CFR Part 99 Family Education Rights and Privacy, the credit agencies Experian, XXXX, and XXXX are listing my confidential information regarding student loans on my credit report without my written authorization. The Code of Federal Regulations state that a third party must obtain " written authorization '' from a student to share confidential information from an educational institution.

Experian is currently being sued by the CFPB for failing to handle disputes properly ( XXXX XXXX. XXXX ). Please see that this complaint reaches them.
Product: Student loan

Received settlement offer {$9500.00} on XXXX paid in full and now they are saying I didnt which is not correct. They have a collection company calling me and they need to stop and i want a letter saying the two loans were settled in full. They are saying payments of {$1100.00} and {$1700.00} were rejected by my bank. These numbers are random and not anything i paid .. see attached cancelled checks account # XXXX Loans ending in XXXX and XXXX XXXX {$1500.00} paid XXXX {$1500.00} paid XXXX {$1500.00} paid XXXX {$2400.00} paid XXXX {$2300.00} paid XXXX {$200.00} paid
Product: Mortgage

During Covid, we had a death of one of the primary owners of the house, as well as another family member in the house and sickness prevented me from working for a period of time, and we have struggled financially. We began a forbearance through Flagstar bank in XXXX. In XX/XX/XXXX they set up a Mortgage modification plan where we paid {$1700.00} a month for three months and then they would modify our loan. We fulfilled those payments, and they sent us paperwork for the modification. We had the documents notarized and sent in with our first months check for the modification. They cashed that check and then did nothing and sold our loan to XXXX mortgage with it showing XXXX in arrears and they have been unwilling to honor that loan modification and have filed a default on us. We are trying to work with a HUD counselor, and get some funding from the Utah housing assistance fund but uhaf says they will only help with XXXX and we have to come up with the other XXXX before they will help. All we wanted was to get back to paying normally but no one would help us unless we came up with XXXX or {$70000.00}. My HUD counselor said she thought the cares act allowed for a silent second in this situation because people dont have the money to pay a lump sum. We were hoping to get the promised modification flagstar sent us because the payment was {$500.00} less than the original with half the interest rate. Please any help you can offer would be incredible. Thank you so much. I have documentation for all the modification promises also.
Product: Credit reporting, credit repair services, 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 : XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. DEPTEDXXXX Account Number : XXXX XXXX. DEPTEDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. DEPTEDXXXX Account Number : XXXX XXXX. DEPTEDXXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX
Product: Mortgage

Waterstones Mortgage used 2 different closing documents and forged my signature. Furthermore, they included a fraudulent termite report and as a way to try and cover their tracks, they listed it as a concession for the inspection fee. This is just a small portion of what they did and it has seriously impacted me. The dollar amount is high and they stole money by alleging the funds were for property taxes, HOA fees, and disclosures that were never given to me. The advanced fees collected on my loan were supposed to pay for escrowed items. They collected my money but never paid taxes, HOA fees, or insurance premiums.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) n general if, after any reinvestigation under paragraph ( XXXX ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Payment history on Home Depot Card is incorrect. It is stating written off in XX/XX/2018 ; however, there's no previous payment history. This is an attempt to keep the card on the credit report in a negative manner longer than seven years.
Product: Credit reporting or other personal consumer reports

Sworn Statement Affidavit XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX Equifax XXXX XXXX XXXX, XXXX XXXX GA XXXX Subject : Method of Verification To Whom It May Concern, On XX/XX/XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. 
On XX/XX/XXXX your agency sent a letter stating that you had completed your investigation and that the items were not deleted, as was originally requested. This is an issue that concerns me, as I do not understand how you arrived at this conclusion since this information is incorrect. 
This letter is a formal request under FCRA 611 ( a ) ( 7 ) for a detailed description of the procedure that was used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on XX/XX/XXXX To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 
Please provide me with the information used in your investigation, as required by FCRA 611 ( a ) ( 7 ). 
Please respond within 15 days or delete each of the items, as originally requested. 
I am listing all of the items below that you continue to list erroneously. 


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

An account was opened by XXXX XXXX using my information, but I have never had an account with XXXX XXXX. I believe this is identity theft. I found out my credit card information was taken along with my social security number in XXXX of 2022. The XXXX account was opened before that but I was unaware. I have also filed a report with identitytheft.gov, as well as the local police department.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, REMOVE XXXX. You only CLOSED this account which hurt me by XXXX points!!! DELETE it or I will seek litigation against you. REMOVE this false account from my credit report! I submitted PROOF my identity was leaked Im the internet! You are choosing to ignore me, the irs, the ftc, and the XXXX police department if you do not DELETE this!
Product: Consumer Loan

I was NOT told that I retest accrues daily, I was not informed that there is no help in catching up should we fall behind, save for deferring a payment and then doubling up on payments he next month. Because of this, my payments have increased to $ XXXX/mo. I only bring home $ XXXX/check, so how am I supposed to pay this off? I have NEVER done business with a company that allows credit to be increased without considering monthly income. If they had limited my credit usage, I would n't be in this situation. They prey vulnerable and the financially unstable and have no means of recovering. This is insane ; I originally borrowed XXXX and now my balance is over XXXX with $ XXXX/mo payments and very little of that going to the principal. This is a trap, and they need to be sued immediately. I inquired about closing the account and paying it off, and I ca n't even do that to try to get this under control.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significanXXXX XXXX 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft and I mailed my Identity Theft report to the credit bureau and they ignored these fraudulent accounts.
Product: Mortgage

Hi, On XX/XX/XXXX I received a letter in the mail from " Freedom Mortgage Corporation '' letting me know they will be collecting all mortgage payments after XX/XX/XXXX. The letter is dated XX/XX/XXXX. There is a problem with the chronology of these dates and request. Furthermore it appears the Freedom Mortgage Corporation is not allowing me to pay them via automatic bank payments which I use for all my bills. 

As a result I will now have to communicate with the old mortgage company XXXX XXXX, XXXX to cancel/request a return of a payment that was already sent to them after XX/XX/XXXX. And then I must call Freedom Mortgage Corporation to find out why they are not allowing my bank checks to be used for their payment. This is unacceptable to mortgage holders inheriting Freedom Mortgage Corporation. 

Thank you in advance for your attention and advise.
Product: Debt or credit management

Hello, I signed me and my wife up for your service back in XX/XX/XXXX, because your staff couldn't keep things organized you canceled my service, and being I signed my wife up for your service with my credit card you would not cancel the service and requested my wife to send that in writing to you and we did what you requested. Unfortunately, you keep charging us the {$99.00} fee for the last two months, and you canceled us in XXXX. I'm requesting you refund us immediately. Our Attorney XXXX XXXX XXXX, is copied in this email for our protection you have lost all our trust, and we prefer not to argue this matter. 


Our Names XXXX XXXX XXXX XXXX Last four digits of our card is XXXX XXXX The company will not stop charging my credit card after XXXX hung up on me. She canceled my service because she didnt have the proper staff lined up to fulfill her promise with the mentorship program. We put the cancellation in writing via email and someone from the company responded that they'll cancel my wife 's service. The service with her was confusing and difficult. She will rush you with her mentoring service. We want our {$99.00} back because she canceled. XXXX will run over if you let her. Dont let her fast-talk you or talk down to you. She will fake you, only to explode later because shes stressed. 
I will update you if she issues the refund and stops charging our card for a service, she says she canceled out via email reply. 

Please see the picture below.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection I hope this letter finds you well. I am writing to bring to your attention an issue regarding credit inquiries on my credit report that have not been removed as required by law. 

On XX/XX/year>, XXXX credit inquiries were made on my credit report : XXXX from XXXX XXXXXXXX via Dealer and another from XXXX XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ), these inquiries are supposed to be removed from my credit report after XXXX years from the date they were applied. However, despite the passage of time, these inquiries have not been removed. 

I kindly request your assistance in investigating this matter and ensuring that these inquiries are promptly removed from my credit report as mandated by law. Enclosed with this letter are copies of my credit report highlighting the inquiries in question for your reference. 

Please feel free to contact me at ( XXXX ) XXXX, you require any further information or documentation from my end to expedite this process. I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 

Thank you for your time and consideration. 

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

on XXXX XXXX I file dispute to against Experian to investigate incorrect information that was reported to my credit report. Experian has reported incorrect collections to my account as well as incorrect personal information. There was a {$130.00} collection, a wrong name, 8 wrong addresses and a wrong employer. I requested an investigation for these items and I sent a demand to reply letter on XXXX XXXX I never received a response or update regarding the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9300.00}, {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.
Product: Debt collection

XXXX sold my information on a debt that i supposedly had. I did not have service for what they are saying. they then sold my supposedly debt to a 3rd party which is IC SYSTEMS. 
XXXX XXXX XXXX XXXX XXXX MINNESOTA. XXXX
Product: Debt collection

XXXX XXXX I saw a collections account on my credit report from agency ARS for XXXX. XXXX XXXX was the account. ARS told me it was from an ER visit from XX/XX/XXXX. I spoke to XXXX from XXXX XXXX XXXX which was the insurance I submitted at that time. After investigating, XXXX got back to me on XXXX XXXX and explained to me XXXX had received a bulk payment for the ER visit which they are contracted to take the amount they get as payment in full and there is XXXX patient responsibility. She had Florida XXXX XXXX contact XXXX who said it was not in collections which was conflicting. She spoke to XXXX at ARS gave her the payment details and explained the policy. XXXX spoke to her manger who said they would speak to XXXX and clear the credit report. Since I can only bring my credit report up annually a year has gone by and it is still there. I spoke to XXXX at ARS on XX/XX/XXXX who told me they are holding it to see a copy of the cancelled check from XXXX XXXX. She told me no one is allowed to call and tell me this. XXXX will not speak to me only the insurance co. 
I have never had this happen as it has always been up to the hospital to coordinate the insurance. All my insurance information was given the day I went to the ER. XXXX told me its simple get a copy of the cancelled check and hung up on me. It has been 5 years since that claim. I spoke to XXXX at XXXX XXXX on XX/XX/XXXX. She told me she would try and request it but doesn't know if it will be possible. This seems unethical to me. XXXX was paid for the ER visit as they are contracted with XXXX XXXX. When XXXX XXXX called them directly they had no record of it being in collections. Now collections wont take it off the credit report when they were given payment details over the phone. XXXX explained they should have been faxed when XXXX gave all this information to XXXX who never made any suggestion to XXXX to fax or mail anything. 
XXXX told me today " XXXX is just a secretary '' Then why was she trying to resolve this with XXXX and her manager? As XXXX wont speak to the patient they bill and only the insurance company I don't understand why this wasn't handled by them with the insurance company in XXXX like the rest of the medical field that bills the insurance co. I would like this taken off of my credit report as all the information was given in XX/XX/XXXX and XXXX was told this would it would be taken care of. I was unaware that anything else was needed.
Product: Credit reporting or other personal consumer reports

A certified letter was mailed asking to investigate items on my report. They mailed me a copy of my credit report and no investigation or findings where given.
Product: Debt collection

I received a print out of alleged debt by lvnv funding I sent them debt validation methods on XX/XX/2019 by certified mail and they failed to send adequate proof of my legal obligation to pay a debt
Product: Debt collection

I have tried to contact and dispute this off of my credit. This debt was paid by XXXX XXXX. I have previously made a complaint about this company. In my last complaint the company stated We do not have any account for a XXXX XXXX. Nor do we have any affiliation with the creditor in the attachment provided by Ms  XXXX. I received a letter later from them stating that I did have an account. How does a letter just appear if you dont have an account or affiliation?