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

On  XXXX   XXXX  I filed a proper dispute with Experian on an unknown medical account on my credit report because if it was mine it very well could be obsolete at this time. In my dispute I requested the name and address of the service provider, patients name, dates of service, etc. I received back a response dated  XXXX   XXXX  stating the investigation is complete and that they contacted the company and the account will remain on my report. On page  2  dated  XXXX   XXXX , it clearly states : If interested, you may request a description on how the reinvestigation was conducted along with the business name, address and phone number of the furnisher of information.   So I re-disputed with Experian on  XXXX   XXXX . Asking them to supply that information to me, as I am requesting it again for the  2nd  time.   In addition to sending Experian the dispute, I also contacted the reporting collection agency on  XXXX   XXXX ,  XXXX   XXXX   XXXX , with a dispute and request for validation on this unknown account as per instructions from Experian 's dispute results letter dated  XXXX   XXXX ,    2017 I aske d for proof that I am indeed the party they are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt.   I received a letter from  XXXX   XXXX  dated  XXXX   XXXX . Their version of verifying this debt was  a one pa ge sheet as you can see, with the words *Validation of Debt Notice*. A client account number and a total balance. IF this account was mine, I most likely had insurance at the time and the insurance wouldve covered the charges.   They way that I see it, Experian cant furnish the requested information to me because if they did properly investigate my dispute, they would be able to furnish the requested information to me. IF they contacted  XXXX   XXXX  and requested the information from them, like they want me to believe, they would also have no information on dates, services, doctors, etc, because  XXXX   XXXX  is unable to provide that information to me as you can see in the follow up letters.   Experians refusal to investigate is a violation of the FCRA and FACTA.
Product: Debt collection

XXXX XXXX Claims I owe a XXXX bill, I do n't use XXXX I use XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX late payment : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX collection/charge off : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX personal information : XXXX XXXX ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX Employers : XXXX XXXX XXXX XXXX, NV XXXX : XXXX XXXX  XXXX XXXX, NV
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report XX/XX/XXXX and XXXX XXXX XXXX XXXX  was on my credit report along with a Texas address I did not recognized. The lease/loan was opened XX/XX/XXXX in the amount of {$2800.00} and the balance is currently {$2900.00}. 

I immediately contacted XXXX and they told me based on my social security, phone number, name and address they could not locate an account for me. I then disputed the account thru experian and also filed a police report. But the company is still refusing to delete and or terminate the lease thats in my account that I did not open. 
Experian has contacted them to let them know I did not open this account and this is fraudulent. XXXX can not locate an account yet it is still showing up on my credit report. 

I have had a fraud alert and lock on my account since XXXX as I am unsure how this has happened to me.
Product: Debt collection

I am in collections with XXXX for a charge of {$2200.00}. The debt collection was sent over to XXXX, who then sent it over to their attorney office, Maury Cobb located in Alabama. First off, I have never received anything through the mail from any collection agency regarding the debt they are trying to collect. Once I received notice that their was this collection against me through checking my credit report, I called XXXX in order to dispute the debt. XXXX told me that I had to go through Cobb for anything further since the account was transferred over to them. I have now been in contact with Cobb for about three weeks and they have been very unprofessional. I sent over a police report on XXXX XXXX, stating that the phones were stolen out of my vehicle back in XXXX and they stated that in order for the account to be settled that they had to send the police report over to XXXX. I have called XXXX today and they said they never received anything. I then called Cobb 's office back and the individual I spoke to was very improper using slang and profanity towards me, then hanging up on me twice. While talking to him each time I asked to speak with a supervisor the two different times that I had called and the same man I was transferred to stated that there was not one for 48-72 hours and that he would not transfer me to anyone else. All I was asking for was an email of some sort of dispute validation that I asked for back on XXXX XXXX and the man keeps informing me that they are not able to send out anything to me stating that I am disputing it. He said I need to ask XXXX for that, but XXXX 's corporate office is stating that since the account is in Cobb 's hands that they need to be the ones to send me a dispute validation. Cobb 's customer service is refusing to send me over any validation that I am disputing the charges, claiming that they sent over the police report to XXXX, while XXXX is stating that they never received anything, and the customer service representatives are being very unprofessional and ending the phone calls on me without giving me the proper information and not giving me answers to any questions that I ask. I am trying to receive this validation of dispute so that I can get this taken off of my credit report as soon as possible because it is affecting it drastically and also because I was in the process of purchasing a new home and this is effecting the process. I want to see if I am able to get my debt transferred over to anything collector or if I can just receive a dispute validation at the very least.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX  ( XXXX XXXXXXXX XXXX XXXXXXXX ), Account # XXXX XXXX XXXX ( XXXX ), Account # XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX, Account # XXXXXXXX XXXX XXXX has all violated my rights. 

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

1. XXXX # XXXX- the bureau has left this account on my credit past its 7 year expiration date of XX/XX/XXXX. They added dates under last active and last reported in an effort to illegally leave it on far past its 7 years in an effort to continue to keep my credit in a negative standing. This account is expired and needs to be removed now! 

2. XXXX # XXXX - this account hasn't had activity since long before XXXX given it was on forbearance due to a class action lawsuit filed against the XXXX of XXXX for allowing colleges to fraudulently use government financing for fraud. This account is now at its 10 year expiration date as of XX/XX/XXXX. It needs to be removed. The bureau put updated dates on it in an effort to keep it too on my credit when it will be past its time this month. I'm not going to sit still and allow it to happen. It needs to be removed now!
Product: Debt collection

During this year, 2022, I spoke with the company on several different occasions when they called me. They continue to report false information on my credit report. They have a collection account listed as OPEN on my report, for the amount of {$220.00} to XXXX XXXX, which is not true. I have requested information with my signature stating that the account is mine, and it has not been sent. I don't recognize the company listed on my credit report they say I owe. I tried to look up the collection company on XXXX XXXX XXXX and they are not listed, which means they aren't licensed to do business in Texas. I have requested, verbally, for the company to stop contacting me and posting false information on my credit report. They stopped calling, but negative information is still present on my credit report.
Product: Mortgage

My mortgage was being serviced by GreenTree. I am trying to sell my property, so I requested a payoff, due to the fact I was doing a short payoff with my Second Mortgage because my XXXX was more than my First mortgage. On XXXX/XXXX/2015 my last statement with GreenTree stated that my amount balance was XXXX, the past due amount was {$7800.00}. I sent a check for that amount to GreenTree. A few weeks later I received a letter stating that GreenTree was now Ditech, and my check was returned. I requested a payoff letter because my home is in contract for sale. 
The title company has requested the payoff on XXXX/XXXX/2015, I also called and requested the payoff as well on XXXX/XXXX/2015. Ditech, still has not send the payoff. I have tried reaching out to Ditech XXXX times and was on HOLD for over XXXX minutes each time someone picks up and they immediately put me on hold. The title company is having the same issues, and they are very unresponsive and careless ... I have was refused to speak with a manager on XXXX occasions. I feel powerless. I need your help to obtain a payoff since I have a closing date deadline and I am afraid that I will lose this buyer, since I am in default of my mortgage and wants to sell before they foreclose.
Product: Debt collection

Received a call from Credit Collection Service. They did n't state its was an attempt to collect a debt. The representative stated, " Are you XXXX XXXX? '' When I asked why they then asked for my mom XXXX XXXX. And stated they are calling from a law office but never disclosee why and what debt they were calling about. I never receive any communication from them to verify the debt. According to what is reported on credit report look like its was back in 2012. I have no knowledge about because debt was not properly verified and representative used illegal tactics to get me to verify my identity and close relative
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this complaint to follow up the previous complaint I submitted on XX/XX/XXXX requesting the removal of the fraudulent information from my Credit report. I sent a letter on XX/XX/XXXX to remove the Accounts and Inquiries that are completely UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX & I am including these fraudulent items once again : XXXX XXXX Balance : - XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/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, credit repair services, or other personal consumer reports

Lates from XXXX and XXXX from Mr Cooper. These lates were added 30 days ago and are incorrect. I have not missed a payment nor been late within the last 7 years. If there is proof please provide proof where this was paid late. Please do not verify this by word of mouth. I want documents, I will be filing a complaint with the cfpb immediately. These lates were not present for 60 days therefore they never existed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number XXXX Account Number XXXX PRONTO FIN {$2500.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$1300.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

The Collection agencies did not give me a paid in full paper work ; they were acting in good faith on behalf of XXXX XXXX XXXX XXXX XXXX XXXX ; They did not keep calling or writing but the debt was not removed from my credit record ; They single handedly use this one negative report for too many points for to long of time. They claimed no revolving credit or too few revolving account paid on time foe years now. They did not think of Pay Day loan companies was building credit ; they kept listing a Bankruptcy that was Dismissed in 2009 was still used unto this day? They sighted 1 late mortgage account in more than 2 two years was a good reason to deny credit? The Checking account for XXXX was closed and reopened after XXXX did not respond in time with documents used as a attempt to pay -- XXXX XXXX. They added a new never heard of before Collection agency for {$240.00}. XXXX XXXX XXXX 1 call and 1 letter? Contacted XXXX XXXX XXXX of XXXX XXXX Department and fell on deft ears after last payments made. They upheld the XXXX demand for " debt will ; not be released until they could wipe down the inner loins for the innermost place of the port for purging waste was paid ''?
Product: Vehicle loan or lease

I bought a car from XXXX XXXX with a down payment of {$22000.00} and finance the rest of {$16.00} XXXX the price of the car that I sign for was {$33000.00} for XXXX XXXX with XXXX mile on it z.., the loan payment was XXXX each month.. I been paying the loan for 2 years and 3 months .. which add up to {$28000.00}.. I even have a letter statement from the company that Im finish pay for the car .. for the car which I will provide .. the car company forced and illegally towed my car yesterday.. Im contesting the towed and he pushing me away .. which is illegal because they have use forced .. also I have an active case going on with the loan company which the ignored ..the company also breach consumer code us code 15 -1602 and us code 15 -1622 .. im finish paying for the car but the loan company is doing illegal thing to take my car .. they loan company also violated a number of rule .. the company never gave me any money in hand .. and for a consumer transactions to be valued money must be in hand .. that never happen
Product: Checking or savings account

The car wash I attend had a malfunction and my car was affected so the gentlemen wrote me a check for a repairs the check is funded by the car wash. I cashed the check with my bank account. Chase they said it would be released next day. Then it was on hold for 14 days. I thought it was just because it was a newer company or something but then my entire account. Was restricted. The chase representative said it needs verified through their account and the company is not showing up or the number I provided. They cashed the check but I do not have access to the funds. Asked me to have the provider recall the check. I advised Im trying to not make the situation worse and asked them to send it back they refused. Refused to release it said they cant verify it when I gave them all the info I have. Said if its not verified it will just sit there until chase can verify it with their system and locked ky account and all my funds
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 

XXXX XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX {$0.00}
Product: Payday loan, title loan, or personal loan

Dear Lender, It has come to my attention that payday lenders must be licensed by the state of Florida in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of {$1500.00}, and have had 10 bi-weekly withdrawals of approximately {$180.00} to {$130.00} debited from my account. This results in a principal balance of {$1400.00}. 

I am willing to repay the {$42.00} balance via credit card in 5 monthly installments of {$8.00} each on the last Friday of each month. 

At this time I am revoking ACH authorization. You are no longer authorized to withdraw payments from my checking account. I am also revoking any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. 

Please contact me to set up payment arrangements as outlined above.
Product: Credit reporting or other personal consumer reports

I was notified of a hard inquiry on my credit report and received a call from XXXX XXXX XXXX Department inquiring as to whether I applied for a credit card and I did not.
Product: Credit reporting or other personal consumer reports

Good evening. I recently filed a complaint with your organization regarding discrepancies with my credit report for Transunion, XXXX and XXXX. You organization just corrected a major error with XXXX. After XXXX corrected the issues. XXXX lowered my scored approximately XXXX points which is not significant. However, it was stagnant during the time period your organization investigated XXXX and eventually it decreased. My credit card payments are on time and no explanation was provided why they decreased my score. 


My TransUnion score also dropped XXXX points for no apparent reason. A few weeks after your organization corrected the inaccuracies with XXXX XXXX XXXX dropping Transunion and XXXX remain stagnate and eventually decreased. An attachment of the credit score dropping is attached
Product: Credit card or prepaid card

I have an XXXX credit card that is managed by Comenity bank. I have been trying for over a week to make a payment to them however there has been outage or cyber attack and I can not log into my account to make a payment. Their phone systems are down too. My payment is going to be late and will affect my credit score.
Product: Debt collection

on XX/XX/2021, i sent a letter to CARTER YOUNG, INC about a alleged debt of XXXX that i don't owe.i sent it off usps certified mail w/tracking XXXX XXXX XXXX XXXX XXXX and it was delivered on XX/XX/2021. i have not heard from them concerning the documentation that i requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The following account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate this accounts. Account name : XXXX : Account XXXX. It was stated everything was complete and accurate. How is this the case when in XX/XX/2022, this account was listed as being paid on time. The following month XX/XX/2022, it was listed as being 90 day delinquent. It can not be reported that I was 90 days delinquent without 30 or 60 day prior late payments.

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.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) 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 the information is inaccurate. 

This account is not in compliance with the credit reporting guidelines. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to inquire about a car I have been renting and their buying options. I was informed that my credit score was below 500, which sounds odd because it was closer to 600 the last time I checked. I checked my credit to discover that the department of Education and Navient have been making reports to my credit which has taken my credit down by 100 points and more! One report from Navient took my credit score down 91 points in a single day! I have not had any communication with Navient to discuss repayment options even after the last disputes, which they were supposed to organize! I have no new loans with Navient yet they are continuously reporting missed payments to the credit bureaus almost weekly! In the duration of the covid-19 shut down and the CARES ACT ; the department of education has consistently made numerous reports to the credit bureaus, but when I contacted them to speak with someone who could help me set up a payment arrangement they continuously gather information, are condescending, not helpful, and try to get me to contact 3rd party collection agencies instead of dealing with me directly while Im on the phone. I do not wish to deal with 3rd party collection agencies when theyre the ones the original debt came from and theyre the ones who consistently make reports to the credit bureaus. This is unlawful practices! Theyre controlling my life and not giving me the opportunity to pay off debt. They make it impossible to set up arrangements and to re-establish my credit and it feels debilitating and hopeless. 
Navient keeps changing the dates of the supposed debt I have with them. I need to have all charges investigated and disputed from the department of education and from Navient, because something is not right and I HAVE to have good credit! Ive been working on my credit since last fall and I paid off some things. However, the level of student loan activity is absolutely absurd especially since I havent been in school for about 10 years. The debt from these 2 companies are mostly 8-10 years old and should not be bringing my credit score down so low! My credit score went from XXXX, which isnt that great to XXXX in less than 30 days and when I call these people Im SICK AND TIRED of dealing with their snarky nasty attitudes and their games! I would like to start an investigation immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following XXXX Accounts have violated my rights. 

1. XXXX XXXX, Account XXXX 2. XXXX XXXX XXXX, Account XXXX 3. XXXX XXXX XXXX Account XXXX 4. XXXX XXXX XXXX XXXX, Account XXXX 5. XXXX, XXXX, Account XXXX 6. XXXX XXXX XXXX, Account XXXX 7. XXXX XXXX XXXX Account XXXX 8. XXXX XXXX XXXX Account Number : XXXX 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