23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/XXXX, I used Care Credit ( now Synchony Bank ) to pay a doctor bill due to lack of insurance. I was told that if the bill was paid within XXXX months, it would be interest free. The original amount I borrowed was XXXX. I had paid the bill down to around XXXX when the promotional period was to end. I received a statement that the interest accrued on the account was XXXX and this amount along with the previous balance was now due. I called Care Credit/ Synchrony bank to ask what I would need to do to pay off the account as interest free. I was told to send a payment of XXXX by XX/XX/XXXX and that would pay my balance. I went to my credit union to borrow the money. They also verified with Care Credit/ Synchrony the amount due. They sent a check to payoff account. In XXXX, I received a statement showing balance of XXXX. When I called, I was told that these were for XXXX late feesXXXXXXXX ( XXXX ). I explained that when I originally requested my balance, it was supposed to cover all charges. I was told it did not. I asked for the total amount I paid into the account. I was told I paid a total of XXXX. I stated that if the original amount borrowed was XXXX, then the late fees were paid ( XXXX - XXXX = XXXX ) I was still told they were not. I asked to speak to an account manager. After being put on hold for a long time, the account manager finally came on the line. When I explained the situation to her as indicated above, I was asked to hold again while she reviewed the account. After another long hold, she came back and told me that I had only paid XXXX on the account. I told her that I would like a copy of all transactions on my account from beginning to end. I also told her that even if I had only paid XXXX, then I still should have had a balance of XXXX. She said it was interest on the late fees. I explained that I felt like me and my bank were mislead, she was rude and insisted that I owed the balance. I asked to speak with whomever was her supervisor and was told the Operations Manager was XXXX XXXX ( I think this is the correct last name ) but I would need to leave a message because it was a message line. I called and left a message on XX/XX/XXXX and XX/XX/XXXX and still not have received a response. Is there any remedy or agency which can help me in this situation? 


ThanksXXXX XXXX (
Product: Mortgage

PNC sent a letter on XX/XX/XXXX saying that they were forgiving debt of {$58000.00} and discharging a property lien.The only obligation I had with PNC was a mortgage of XXXX and a second mortgage of XXXX that they sold to XXXX.These were both obligations that I had no personal responsibility on but were attached to my property I followed up with PNC and was told that the XXXX 2nd lien on my property would be released. 
This was never done and instead PNC sent a mortgage discharge of a mortgage that no longer existed on a property that I didnt own.I complained to PNC about this at least 11 times in writing in XXXX and filed a complaint with the CFPB.PNC discharged a mortgage that didnt exist on a property that i didnt own and said they forgave debt that i didnt owe.This was wrong and illegalYou can not " forgive '' something that is no longer owed and that is what they are taking credit for.. 
PNC was using this " debt forgiveness '' as a means to satisfy the XXXX XXXX dollar fine levied by the federal reserve on XXXXThe fine could be satisfied by forgiving legitimate debt, instead PNC tried to forgive debt that wasnt really owed and that they couldnt and wouldnt collect PNC then sent on XX/XX/XXXX a 1099C saying they forgave the above debt ( that I didnt owe and that was discharged in Bankruptcy ) .I did not owe any debt to PNC so they could not forgive it.PNC committed tax fraud and regulatory fraud by saying they forgave debt that didnt exist and using the forgiveness to satisfy their obligation to the federal Reserve ironically as a fine for unsound mortgage servicing practices. 
I am attaching debt forgiveness letter, Federal Reserve Memo on PNC fine, emails showing my repeated contact with PNC on this issue and the 1095c they recently sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute the certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting

On several occasions I have spoke with Equifax customer service reps in the US and XXXX in regards to a fraudulent account on my credit report. They have refused to remove the account from my account. They informed me that I had to contact the creditor which I have done. They have not been able to find me in their system by name, address, or phone number. I 'm not sure what my next step is in regards to this matter and this dispute. This fraudulent account is seriously effecting my credit score. It needs to be removed asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a formal complaint letter on XX/XX/ XX/XX/XXXX about removing inaccurate information from my credit report. It has been 30 days since I sent in the letter and I've yet to receive any update from them. Please let them know I take this matter seriously and I need an update on my credit report. Thank you.
Product: Debt collection

There is a medical collection on my credit report for {$1200.00} that has been re-opened by another collector XX/XX/2021. The collection fell off after it hit its 7 year mark however this year In XXXX it re-appeared and shows that I agreed to a 24 month payment plan. I did not agree to anything nor did anyone from their collection agency contact me or set up a payment plan to handle the dept. This collection has been on my account XXXX years as a mistake and each collection agency hasnt done anything to help negotiate or verify that it was in fact mine and the amount shown is accurate and matches the services I received from the hospital.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no clue what is going on with Equifax but this is getting ridiculous. 

The following accounts are currently on my credit report as delinquent : 1. XXXX XXXX XXXX 2. XXXX XXXXXXXX XXXX 3. XXXX 4. XXXX Card I have no idea how exactly you are verifying these accounts as mine, however if you do not immediately remove these negative marks then the next letter you receive will be an intent to sue. Due to the circumstances on the incorrect reporting, you are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off. You report that these accounts were closed in 2014 with no proper payment history - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of {$1000.00} per incident. I am requesting that you investigate this matter under the FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove these illegal accounts from my credit report or you should expect an intent to sue in the mail, because I will have to choice but to take legal action. Not to mention that these were all requested to be validated back in 2014 with absolutely ZERO response.
Product: Mortgage

This situation has been resolved, but I wanted to report my experience in case other people are having similar problems with this company. 

I received a call on XX/XX/XXXX that the mortgage I paid on XX/XX/XXXX was short approximately {$60.00} - this was due to an escrow underpayment because it had changed the previous month and I was unaware when originally making the payment. They told me that they held my XX/XX/XXXX payment in credit for the past 23 days, and that my payment was now considered late and that I would be charged approximately {$140.00} late fee because of the {$60.00} shortfall on my escrow. After some arguing, they waived the late fee, and I immediately paid the shortfall. I have concerns about the predatory nature of this company on others.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come apparent to me that the three ( 3 ) major credit reporting agencies are not following the rules and laws of the FCRA. I reported to the 3 credit reporting agencies of the lost / stolen personal information regarding my identity. And since my identity has been compromised it has profoundly effected my credit file. I summoned the credit reporting agencies to send me a certified physical documentation via their Method of Verification in regards to these fraudulent and unknown accounts reported within my credit files. I'm demanding that these unauthorized accounts be blocked and removed from my credit file immediately. 

1 ) XXXX XXXX {$710.00} 2 ) XXXX XXXX XXXX {$470.00} 3 ) XXXX XXXX XXXX  4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX  XXXX 6 ) XXXX XXXX  7 ) XXXX XXXX XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX   10 ) XXXX XXXX XXXX 11 ) XXXX XXXX {$31000.00} 12 ) XXXX XXXX {$6600.00} 13 ) XXXX XXXX {$6000.00} 14 ) XXXX XXXX {$3500.00} 15 ) XXXX XXXX {$3500.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute Equifax 's failure to display my credit report, which has caused significant personal and financial harm. On [ Date ], I was denied a mortgage by XXXX due to XXXX refusal to release my credit report. This refusal is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I have sent multiple letters to Equifax, providing the necessary documents, including my ID, rental lease, and a copy of my Social Security card, yet my issue remains unresolved. 

This situation has greatly impacted my ability to secure a home and has caused undue stress and financial strain. I urge Equifax to immediately rectify this issue by releasing my credit report and ensure compliance with FCRA regulations. If this matter is not resolved promptly, I will be forced to consider further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

What in the world is happening here that my concern was not attended by Transunion!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  , Experian, And  XXXX  are Continuing to report misleading information into my credit report.   XXXX   XXXX   attached letter shows my final payment was received  XXXX   XXXX  Experian Credit Report is showing my last payment  XXXX   XXXX  and That I Failed to Pay in  XXXX  and  XXXX   XXXX .
Product: Mortgage

VERIFICATION OF PROOF OF CLAIM REQUEST LETTER OF DISPUTE Notice to Agent is Notice to Principal and Notice to Principal is Notice to Agent. 
Dear Legal Departments for : Specialized Loan Servicing, LLC AND XXXX XXXX XXXX XXXX., As per numerous Select Portfolio Servicing representatives, the LEGAL and ADDRESS that SLS uses for my property does NOT match up with the true legal according to the XXXX XXXX Assessors Office XXXX Therefore, until corrected and resolved, SLS has stipulated that they can not move forward with a modification, nor continue with acceptance of my financial documents due to the discrepancy of said property/loan. 

Until this legal discrepancy is corrected and resolved any sale dates, including the current XX/XX/2021, sale date, will be considered unlawful and illegal, even as stipulated by SLS representatives themselves. 

Until this legal discrepancy is legally resolved, and this incorrect information is legally corrected in order to move forward, I am formally, once again in writing, DISPUTING and commanding that SLS stop discriminating against my right to attain a modification, keeping me from receiving a lawful and fair modification that would maintain my true legal ownership once loan is paid and protect all payments being made as going to the correct property. 
As it stands, I have no Assignments, no proof of a true, wet-ink signed Deed and Note together, ( legally must be together or VOID ), and which state the correct legal on my property pertaining to this loan Thank you for your attention to this legal matter, as it is of utmost importance. Please let me also know in writing that the XX/XX/2021, sale date has been cancelled as well as any future sale dates until we can legally resolve this legal discrepancy.
Product: Student loan

AIDVantage withdrew money from my checking account without permission. The transaction was reviewed and the money was returned. I hadn't given them my bank account information and there was supposed to be an onramp to payment.
Product: Payday loan, title loan, or personal loan

XX/XX/2020 {$6500.00} Paid account in full on XX/XX/2020 which has cleared my account. 

I emailed the branch manager, XXXX XXXX, to request the contract paperwork showing paid in full and my title. Due to my having to get an attorney in the prior year when they were adding charges fictitiously. Either way, I called the branch this morning at the direction of the branch manager and was told she was in a meeting. When I advised them that she just told me to call her, the guy cussed and said he didn't have to explain anything to me and hung up.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


Account Name : XXXX XXXXXXXX XXXX ( Original Creditor : ) Account # XXXX Account Name : XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I have one single address on my report. I've been updated my addresses that were tied to these illegal fraud collections and accounts. These needs to be removed asap!!! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684, 1692g these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$470.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX Balance - XXXX XXXX  XXXX Balance {$970.00} XXXX XXXX XXXXXXXX Balance {$1600.00} XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX, XXXX XXXX Inquired on XX/XX/2021.
Product: Debt collection

Lockhart Morris and Montgomery ( LMM ) began reporting negatively on my credit report as of XXXX of XXXX for original debtor XXXX XXXX XXXX XXXX. I spoke with LMM through out the year ; however, LMM continued to falsely report that they were unable to get in contact with me and began employing predatory practices by inundating my credit report with inaccurate and derogatory remarks. I contacted the original debtor who provided the contact information for their billing department and PAID the original debtor. I emailed receipt of the debt paid in full to LMM medical manager XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I called and spoke with XXXX, who was unprofessional, combative and stated " I'm not going to tell you what you want to hear '' and refused to transfer me to another personnel and proceeded to hang up on me and refused to provide details as to why LMM continued to add derogatory remarks on my credit even though the debt had been paid in full. XXXX stated she will not remove anything from my credit report and stated she will continue to provide false information to the bureaus. LMM needs to remove the debt and derogatory remarks completely from my credit report and should be ashamed for practicing in a deceptive, unprofessional and a predatory manner. I have recordings of the calls. The debt has been paid in full and they have record of receipt of this and are knowingly provide false information to the bureaus.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report incorrect information on my consumer file. They are several name variations and address that dont belong to me and causing problems with my identity when I apply for credit. My name is XXXX XXXX there should be no other name variations on my consumer report, my only address is any other address is not mine and I do not live there or receive any mailings XXXX XXXX  XXXX XXXX XXXX FL XXXX. Under Federal law you are required to report accurate information this is a violation of my rights.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.