23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I got a letter from RMP ( debt collection agency ) on XX/XX/2023 that I owed over {$1000.00} in medical debt. I called RMP and asked them to provide me an itemized bill & they were very harassing and threatening and not wanting to provide this info. They said I just " have to pay it ''. On XX/XX/2023 I sent a certified letter in response, asking for the following : 1. Agreement with the creditor that authorizes RMP to collect the debt. 
2. Agreement with my signature stating I have assumed the debt.

3. Copies of the debt agreement with the amount and interest.

4. Proof that Statutes of Limitations hasn't expired.

5. Complete payment history with any charges.

6. Their license to collect in my state of Florida.

7. License numbers and registered agent. 
I also advised them that if I didn't get a response from them within 30 days they must stop trying to collect this debt. And their non-compliance would be a waiver of all claims to enforce the debt. 

I never heard back from them until XX/XX/XXXX, where they again sent me a debt collection letter saying that this random " invoice '' validates my debt with XXXX and as a response to my letter. This letter only has an invoice from XXXX with my name, the amount of {$970.00} and a stamp that says this is from a debt collector trying to collect debt. That's it - none of the info I asked for at all. 

I called them and spoke to XXXX who said they " can't speak to me about this debt '' even though I told her 1. They didn't respond within the 30 days therefore the debt isn't valid. 2. I asked for all this other info and she said can't provide it. 3. She lied and said RMP is not a debt collector ( even though I have 3 letters saying they are ). I told her she needs to stop sending me letters and/or trying to collect a debt that RMP CAN NOT validate as mine. I responded within the 30 days and they did not, nor have they tried to validate this debt. I asked her to not report to the credit agencies since they can't validate it and she said that " it's not her decision, it's her client ( XXXX ) 's choice ''. Also- not true seeing as they are a collections agency. 
RMP needs to stop harassing and mailing me debts they can't prove are mine. They are liars and manipulative to try to get me to pay a random invoice with random amounts. I'm reporting them because they failed to stop collecting a debt they can't prove to be mine.
Product: Credit reporting

The complaint is mostly directed toward Equifax. Financial institutions are aware that they can now make their credit decisions by utilizing just XXXX reporting agency. Equifax historically tends to report the lowest scores and are therefore favored by companies and/or financial institutions when the companies utilize just XXXX score. Additionally, Equifax tend not to update their records to adequately support improvements in the consumer 's credit status and will do so then mostly on a case by case situation when challenged by the consumer. There should be updating and review prior to Equifax sending out information for each new credit report request. Equifax puts this burden totally on the consumer after they have provided their information to the requester. 

While the other reporting agencies tend to give a more objective credit report, those companies utilizing reports from XXXX credit reporting agencies tended to temper or balance the reporting process. However on the other hand, agencies who are more discriminating tend to rely soley on Equifax, which gives Equifax an unfair business advantage relative to other credit reporting agencies. Therefore, implementing a requirement to either use the average of XXXX scores or the median of several credit scores should be revisited. This will address the issue reported herein and not allow XXXX credit bureau to dominate. 

Finally, the company does not have a user friendly communications system in place for the individuals that they maintain data on to contact and dispute information. This system should be improved and not frustrate consumers in the process.
Product: Credit card or prepaid card

Sent another in on same company earlier. Today got a letter they are closing an active account that I am still paying on. they ran my credit again without authorization. This is two violations. Sending to FTC at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had to place a credit freeze on my account after the security breach at the credit bureau. Now they wont release my credit without faxing my info, waiting 7 days, then mailing me a response. You cant talk to a human being until being put through multiple questions by a computer. If you go through their web site, changing the password does not work so they completely lock you out after one attempt. No company should be able to shut down your life for a month. Credit is too important for any company to do this. They failed the first time. Shut them down. Now they are taking it out on the public.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not remove false and misleading information regarding XXXX XXXX XXXX XXXX XXXX causing financial harm and increasing interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know what's going with Equifax but the more I pay off my debts the more my credit score drops. I have tried to contact Equifax but they just put you on hold or the person has no idea what's going on. My XXXX and XXXX credit score is just about the same but Equifax is way off the chart my score has not move in months how is that so. Equifax if you have an issue let the public know because it is preventing me from purchasing my first time home.
Product: Credit card or prepaid card

I was reviewing my credit scores when I noticed there was a note on my Care Credit account, so I logged in only to find it had been closed less than 2 weeks ago. There is no balance on the card, I have had it several years, and made all my payments on time with no late fees. I tried to call the company to no avail. They lied to me on the phone twice, once stating that they sent out mail and email notifications that the account was going to be closed, but later backpeddalied and said the account was closed BEFORE they sent out these notifications, which I never received. Then, the first representative I spoke to actually told me that these " periodic automatic account reviews '' can be opted out of. When I asked how I would opt out, she said I'd have to review the terms and conditions. When I asked the supervisor I spoke to next, she said that information was false. Of course she also had to mention that they are not legally required to notify you of an account closure. I recommended they enact some better practices, such as requiring consumers acknowledge these notifications, either by certified mail, or some other electronic method, so that this does not happen, but again they are not required by law to notify you, so they care to have the integrity to do so. This appears to be a major issue with this brand, as I have seen on reviews for Care Credit on XXXX XXXX. And instead of taking measures to help their consumers and improve practices, they are derelict in their duty to responsibly provide credit services. There needs to be a law requiring credit card companies notify you BEFORE they close your account, and there needs to be ACKNOWLEDGMENT from the consumer that they understand this BEFORE the account can be closed. Because these practices are botching people credit scores, like mine. I am trying to apply for a mortgage, and I had this card open for a long time, helping my credit, but them closing it without my knowledge or permission, just set me back. Also, there should be a way for them to reinstate your closed account. If they can close it so easily, why can't they reopen it when THEY made a mistake? There needs to be accountability, instead of just 'oh well '. People who pay off their cards and are in good standing should not be penalized by a greedy system that can't make money on a card I only use for emergencies and special purchases.
Product: Credit reporting or other personal consumer reports

I have my identity theft report, XXXX ( credit card ), and letter stating the invalid accounts that are illegally reporting to my consumer file. I never created the transaction for authorization to report any such accounts to my consumer file, and they are a result of identity theft. Ive also included the certified mailing numbers on this formal complaint.
Product: Credit reporting or other personal consumer reports

The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX  XXXX ( original creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ), has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting or other personal consumer reports

This account does not belong too me. This account belongs too my sister XXXX XXXX XXXX I reside at the same address for 4 years now and can provide proof and documentation .This account needs to be removed immediately before I seek legal action.
Product: Debt collection

I had submitted a complaint against Nelson & Kennard last month due to various totals sent to me to pay, then they told the court I wasn't paying, which I submitted proof I had paid every month since they contacted me in early XXXX. 
As a response to the complaint they sent me the attached, which contains outright lies. I have been willing to pay but I will not pay a company who sends me different letters with differing amounts and then tries to lie in the response letter to my complaint. 
As you will see in my 2 attachments dates XX/XX/21 and XX/XX/21 that they list the SAME file # but 2 completely different amounts, and the only payment made right after was XX/XX/21 was for a small amount that wouldn't account for that difference. Then in their letter, responding to my 1st complaint, dated XX/XX/21 they state that I have 3 accounts with them and that XXXX was paid in full, but that they grouped XXXX & XXXX together when they mentioned the total on the XX/XX/21 letter, but as you see on that letter the ONLY file # listed is XXXX, that is the sole # listed on both of the initial letters. 
Since they said in the attached letter dated XX/XX/21 that the amount I owe on XXXX is {$720.00} then I will pay that. But since they are saying they grouped XXXX into the amount shown on letter XX/XX/21 WITHOUT ever mentioned that file # in that letter I want that amount reduced to {$0.00}, how can I trust a company that can't get their numbers straight?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many many accounts on my credit report with XXXX, experian, XXXX   that are fraudulent and do not belong to me. I have letters with this report that i sent to credit bureaus several times of 90 days and still have no response from them.
Product: Credit card

I applied for a Chase Sapphire preferred card around XX/XX/XXXX at the XXXX XXXX XXXX XXXX branch office in XXXX, Florida. I was told I would receive my card within 2 - 3 days. After a week I called Chase credit card and I was told my credit application has been rejected. The reason provided was too many inquiries although I had only XXXX inquiries including this application. I wrote to the branch manager on XXXX XXXX but did n't receive any response. On XXXX XXXX, I received a solicitation from Chase although nothing has changed in my situation. I am thinking there was arbitrary action by Chase when it rejected my application.
Product: Payday loan, title loan, or personal loan

My due dates are on  XXXX  of each month with a bank draft. The lending club in different occasions sent the payment on  XXXX  of the month which made my checking account negative. When I ask to stop taking the money earlier their answer was this was their practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are being shared with third party companies without my authorization or knowledge. No disclosures were provided to me to authorize or share my non public information and this is adversely affecting my livelihood. I am opting out of having my information being reported. 

# XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to accurately respond to my request for information involving the verification and validation of said accounts reported on my credit file. Experian 's investigation did not resolve any issues nor did they properly investigate after disputing various times. Attached is the notice of dispute sent to Experian via their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got an updated credit score from XXXX and Equifax. I was able to get a loan to pay off credit cards and have a lower interest rate and monthly payment. Sure enough, my credit score has gone up. However, XXXX  increased my score by over 100 points, putting me in the " Excellent '' range. Equifax only increased my score by XXXX points, and I'm still in " Fair. '' This is completely wrong. If I need to buy a car or do anything else that relies on a credit score, I could get a MUCH better rate if the company checks XXXX  over Equifax. Our system is completely fouled up. I am a slave to the credit agencies, and they don't have any sort of system that is even similar to each other! How in the world has the US come to this point?
Product: Mortgage

XX/XX/XXXX, Select Portfolio Servicing Inc, sent a letter showing the lien holder had released any claim or lien on my mortgage # XXXX secured by my home at XXXX XXXX XXXX, XXXX, LA XXXX. I was not aware of this and continued to make my mortgage payments until I received a letter from the IRS auditing me for debt cancellation that I was unaware had been reported. I contacted Select Portfolio Servicing ( SPS ) to find out why they continued to collect my payment. I also requested that I be refunded those payments dating XX/XX/XXXX up until XX/XX/XXXX. This request was put in on XX/XX/XXXX at XXXX pm via XXXX, where I consented to record our conversation about this. On XX/XX/XXXX at XXXX pm I followed up to get an update and spoke with XXXX and said that the request is taking a little longer because they have to go back so far. On XX/XX/XXXX at XXXX on a recorded line, I spoke to XXXX and was informed that SPS will not be refunding me any of the payments they received after the debt was cancelled. At the age of XXXX, I feel like they have taken advantage of me and my level of understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct and update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

Well I had taken a look at my consumer reports from all 3 credit bureaus and the information does not match 2 reports contained addresses I've never lived at and another report contains misspelling of my name that I have never gone by for instants I've never lived at XXXX XXXX XXXX XXXXXXXX Ca, nor have I ever lived at XXXX XXXX XXXX XXXX, Ca XXXX there 2 more addresses that I don't recognize, and I'm pretty sure that is against the law to be reporting inaccurate data on my report, I have only ever lived in one address my whole life Im very upset with my reports and strongly encourage the credit bureaus to confirm & Correct any misspelling of my name & Correct or Remove these addresses from my credit reports XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit card or prepaid card

First off, I have been a loyal customer with Walmart for 3 years. I now have the Master Card with them. My interest is too high and I have been charged way more than I was suppose to pay. My bill should have been off in FULL by now and I do n't understand why it has n't been. According too my bill statement from XX/XX/XXXX until XX/XX/XXXX I have paid {$5000.00} or more. So technically speaking my bill should have been long ago been paid for. On XX/XX/XXXX I purchased a television on the card and I paid {$1700.00}. The television had a promotion for 12 months with NO INTEREST. Well, interest was added a month after I got the television and was n't suppose to be added until the promotion expired this year. Also they claimed that I had to pay {$1200.00} before the interest charges of {$470.00} could be taken off. The television has also been paid for. So I do n't understand where this is coming from. I called the Account Manager and tried to get a clear understanding but did n't get anywhere. The manager told me that I was suppose to call when I paid my payments and tell Walmart that the payment was going towards the television. Well I was in NO WAY informed about this memo and I explained that too her. I told her that I was n't informed about this in no way ; so how am I suppose to call if I was n't informed. That 's not my fault, it 's WALMART 'S FAULT. She kept telling me there was nothing she could do. She also told me that " We could stay on the phone all day but nothing could be done. '' What kind of bank is this? What kind of customer service is here? So now my balance is at {$4800.00} and it should have been paid A LONG TIME AGO. Every time I get my bill the balance is STEADY going UP not down. I have NEVER been late on any payments and I always pay MORE than the minimum. So I feel that I am being ripped off and it 's not right. Also, this is messing up people 's credit scores to where they ca n't even get a car or nothing and it 's ridiculous.I am not the first person that this is happened too and it will continue to happen if nothing is done about it. Symphony bank is a very BAD bank to work with. Their is nothing professional about the customer service. I am FED up with this bank and something needs to be done ASAP. I would like a refund of all the money that I have invested over the last 2-3 years of having this card that was not suppose to be added or paid to Walmart. I have dealt with this company for 3 years so I know at least they should owe me money for 2 years. I would also like my credit card balance to be PAID IN FULL because, my card should have been paid for a long time ago. I would also like my credit scores to be fixed as well. Thanks for all your help and once again please fix this problem!!
Product: Credit reporting or other personal consumer reports

The credit bureau Experian refuses to process my dispute letters. There is incorrect information on my report that doesnt comply with the Metro 2 reporting compliance standard. They claim that my dispute letters are in a format that appears to not be from me after receiving documents attached that verify my identity and me verifying that is me sending the letters over the phone.
Product: Mortgage

During the pandemic, we asked for relief on the payment and they told us yes, and then they sent something in the mail saying that we had to pay or was going to get the house foreclosed on and they put a negative on our credit report that we didnt pay. We got a re-modification on are loan and we didnt realize that were signing for 40 years. They were rushing us to sign the paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent this complaint three times already that I have been a victim of identity theft but no one seems to care, that I want to dispute specific records in my file that do not belong to me, or that I have signed any agreement. The accounts 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 accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX