23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, In the period from XX/XX/XXXX to XX/XX/XXXX there are Three mortgage lenders involved in my home loan. On XX/XX/XXXX a payment wasn't registered to the new lender enter on XX/XX/XXXX. I am attaching documents to review the information also the missing payment for {$1900.00}. XXXX.
Product: Credit reporting

I went to a civilian hospital ( XXXX XXXX XXXX Hospital ) in XXXX, OK and had to go to the hospital. XXXX at XXXX XXXX Hospital ( XXXX XXXX, OK ) ) took care of my bill but the XXXX XXXX XXXX Hospital attempting charge me fraudulent charges. Their false claim has negatively affected my credit score and I respectfully request that this incorrect information be promptly removed from my credit score. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is close and is affecting my credit I dont own no balance this account is pay off
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my credit file with Credit Bureaus. Despite my persistent efforts to rectify these unauthorized entries, the issue persists, causing severe financial and emotional distress. I became aware of fraudulent items on my credit report, indicating potential identity theft. Since then, I have diligently contacted your dispute resolution department on numerous occasions, submitted written requests, and provided all necessary documentation to support the removal of the fraudulent entries. Regrettably, despite my ongoing efforts, the unauthorized items remain on my credit file, negatively impacting my creditworthiness. I request that you thoroughly review this information and take immediate action to rectify the situation. The continued presence of these fraudulent items on my credit report is not only affecting my ability to secure credit but also causing considerable stress and anxiety. If my concerns are not addressed within the specified timeframe from the date of this letter, I will have no choice but to escalate this matter to regulatory authorities and seek legal remedies to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance XXXX {$950.00}.
Product: Credit reporting or other personal consumer reports

Hello! I had an old account with XXXX XXXX XXXX ( the original creditor is XXXX XXXX XXXX XXXX XXXX appearing on my credit reports erroenously for more than three years. The collection agency requested this account be removed with all three major credit bureaus effective XX/XX/year> however it still appears on my credit profile.The account number is XXXX. I have attached a letter from the collection agency confirming the account is paid, and that it should be deleted from my profile. Let me know if you need additional information. Thank you!
Product: Debt collection

Ten years ago I had a credit card and unfortunately my account was at {$10000.00}. Asset Acceptance now has control of my debt from this card. I have been paying through my work checks and have paid off {$2000.00} of the initial {$10000.00} owed. When I called XXXX XXXX, 2015 to settle this debt I was told that even though Asset Acceptance had my debt that they could not do anything and it was now with a law firm, XXXX and that they would have to take care of it. I received no resolution through Asset Acceptance, only sending me somewhere else. When I called XXXX, over ten times, I still did not receive a call back. Their voicemail stated that in order to get in contact with me I had to leave my social security number and I did not feel comfortable leaving something so secure on a voicemail. Finally after almost twenty attempts I was able to get ahold of XXXX XXXX, who bullied me to give him my name/social security number/phone number and then firmly stated he must have my address. I refused to give my address because I was advised that they do not need any information other than my name and social. He then bullied me into giving him my address by saying he would not work with me if I did not give him this information and that he will hang up and then to have a nice day so I gave in and gave him my information. He then told me that they had a different amount on file as payment received, about {$1000.00} less than what I had actually paid. XXXX then went on to tell me that if I wanted to settle then I would have to pay 83 % of my debit. The figure he gave me, over {$8000.00}, would be my settling payment. That settling payment with the amount I have already paid, {$2000.00} according to my previous employer that I have receipts of payment from, would total more than the actual {$10000.00} I initially owed. That means in order to settle I would be paying over 105 % of my debt to someone who told me I could ONLY settle for 83 %. This does not make sense. I asked if anything could be done, that I do not have that kind of money but could settle for less, and he refused everything and anything. I then expressed again that I did not have that kind of money and would have to file for bankruptcy and he said, " That 's fine. Just make sure you contact us and send us notice. '' Again, no negotiation or compromise. Settling does not mean pay in full. This was debt from ten years ago. I then expressed that I would file a complaint to the CFPB and he did not care. After all attempts XXXX XXXX would still not help. Asset Acceptance can not do anything, which they are the ones who actually have my debt, and XXXX will not settle for anything less than 83 %. Please help!
Product: Credit reporting or other personal consumer reports

Account was past due. Was paid in full on XX/XX/year> in the full amount of {$1100.00} Affirm refuses to update the balance internally and refuses to update credit report.

I have had a previous issue with this company that took almost 9 months for them to acknowledge payment and update credit profile.

At this point I feel like it is common practice for affirm to maliciously not update credit profile information.
Product: Credit card

I I paid my credit card in full I desputedit done of the dates on my report in return they melodiously attacked my credit report updating it to a ton of days late I have not owed XXXX penny since 2013 abs the account was closed. They opened it and launched a attack on me! Melisously destroying be trade line for negative impact the scout was paid in full I owed not XXXX penny in 2013 when I paid it they said they delete it would would be in my good credit lhistory as paid as agreed
Product: Credit reporting or other personal consumer reports

CAUSE OF ACTION VIOLATION OF THE FAIR CREDIT REPORTING ACT XXXX. Experian failed to maintain and follow reasonable procedures to ensure the accuracy of Plaintiffs credit report, violating 15 U.S.C. 1681e ( b ).

10. Experian failed to properly investigate and prevent the reinsertion of inaccurate information, violating 15 U.S.C. 1681i ( a ) ( XXXX ) ( B ). 

DAMAGES XXXX. As a result of Experians actions, Plaintiff has suffered : a. Harm to their credit reputation and score. 
b. Emotional distress and frustration. 
c. Denial or unfavorable terms on credit applications. 

RELIEF REQUESTED WHEREFORE, Plaintiff respectfully requests : XXXX. Actual damages in an amount to be determined at trial. 
XXXX. Statutory damages of up to {$1000.00} per willful violation under 15 U.S.C. 1681n. 
XXXX. Punitive damages for willful noncompliance. 
XXXX. Attorneys fees and costs. 
XXXX. Any further relief the Court deems just and proper.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax/XXXX  for their failure to correct multiple inaccuracies on my credit report and for continuing to report unauthorized medical information in violation of HIPAA. Despite numerous attempts on my part to resolve these issues, Equifax/XXXX  has repeatedly failed to take appropriate action.

Inaccurate Reporting and Court-Ordered Documentation I have submitted legal court-ordered documents to Equifax/Experian showing the correct amount owed for an apartment-related judgment. The court order clearly indicates a different ( and lower ) balance than what Equifax/XXXX  continues to report. 
Equifax/XXXX  has been provided with copies of these documents multiple times, yet the incorrect balance remains on my credit file. This directly violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure maximum possible accuracy. XXXX immediately resolved the issue ; I will include dispute results. 

Unauthorized Medical ( HIPAA ) Information Equifax/XXXX  is reporting account information that includes or implies sensitive medical details, which were never authorized for release.

Under the Health Insurance Portability and Accountability Act ( HIPAA ), protected health information can not be disclosed t
o third parties without explicit consent. Equifaxs continued reporting of this information constitutes a serious privacy violation. 

Failure to Investigate and Resolve Disputes I have formally disputed these items with Equifax/XXXX  on multiple occasions, submitting the necessary evidence each time ( court orders, letters from medical providers, and any relevant documentation ). 
Equifax/XXXX  has not provided an adequate investigation or valid justification for continuing to report these inaccurate and unauthorized items. 
They have also failed to communicate effectively regarding the status or outcome of the dispute process.

Impact on My Credit and Privacy Due to Equifax/XXXX XXXXXXXX negligence in correcting these errors, my credit score and financial standing have been unfairly affected. 
The unauthorized disclosure of my medical information is both distressing and damaging to my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company reported that I did not pay my payment in XX/XX/XXXX Which I have proof that I did. It also states that it was part of my bankruptcy which it was not. I have been paying on the car. Lease is up in XX/XX/XXXX. Now the company states that I did not pay XX/XX/XXXX bill. Which I did and have proof that I did. They put a negative payment on my credit report. Reported this to company and credit report but it is not getting resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXXlast 4 ss # XXXX After filling complaint with XXXX XXXX reporting agencies XXXX XXXX and Navy Federal continually report fraudulent opened accounts affecting me from opening accounts on my own without them verifying my identity and hard copies of any application with any signatures matching signatures on my Dl 's Navy Federal contended that the account was opened online but the address that's on file is a commercial property with businesses I never lived in a commercial property or owned one either. XXXX XXXX act as if I'm the one wrong by calling me and drilling me like I did something wrong. But the truth is someone stole my identity hacked my phone number, email address and applied for car loans while I was working over the road and I would help in any way I can to find out who's doing this because it's a ongoing problem everyday I get a email saying my social security number is being used while I'm thousands of miles away from Florida. So if their not willing to fix this I will challenge them on Court got fraud, defermation of character and opening up fraudulent accounts in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't been able to get a credit report from Experian in years. Any big purchases Experian does not show up. It has caused great trouble trying to buy a home and a car. When they have looked into it they have said it's an address problem. I have sent documentation in with my proper address, and this keeps happening. I was recently notified of a data breach by XXXX, and they told me to sign up with Experian so I can monitor my information, I reached out to Experian the same thing happened again. They are unable to identify me and my address and asked me to send in documentation proving my address. This has been going on for over a month and no one has been able to solve the problem. Today, XX/XX/XXXX  I am AGAIN mailing in documentation proving my address. I just hope in the meantime my information is not stolen or compromised. This has been happening for years. The problem is I am not aware that it is a problem until I go to make a big purchase. I went to buy a car and I get " Experian is not showing up on your credit report. '' I call Experian and they say " we need to verify you are who you say you are, so we need to generate security questions. So sorry, we can not generate security questions. please send in your ID and a bill with your address on it so we can add it to your credit report. Then they say the problem has been solved. 

A couple of years go by, I try to make another big purchase and I get " Experian is not showing up on your credit report. '' I call experian and they say " we need to verify you are who you say you are, and we need to generate security questions. So sorry, we can not generate these security questions. please send in your ID and a bill with your correct address on it so we can add it to your credit report. '' Then another couple of years go by and I now have this data breach and I call experian and guess what happens? " We need to verify you are who you say you are, so we need to generate security questions. So sorry, we can not generate these questions. please send in your ID and a bill with your correct address on it so we can add it to your credit report. PLEASE HELP.
Product: Debt collection

On one occasion, XX/XX/XXXX, XXXX with Tower Loan in XXXX XXXXXXXX, Texas contacted my son about a small debt and discussed the complete loan details with him. It looks as if they were trying to get him to pay or suggesting that he get me to pay. On a second occasion, XX/XX/XXXX, Tower Loan contacted my daughter-in-law and it also looks as if they were attempting to get her to pay or get me to. In both instances they were doing whatever they could do to damage my credit and my reputation. They may have contacted others but I am not sure. I never gave Tower Loan any information regarding my son and my daughter-in-law. Amounts they claim are owed are primarily late charges and excessive interest which I did not agree to. Obviously, any claim they made in regards to trying to contact me was just an excuse to circumvent the law. I wrote to the office in XXXX XXXXXXXX, Texas and the home office in XXXX, Mississippi requesting complete information on this loan and both have refused me any information. I am XXXX and this harassment and practice of damaging my credit and reputation should not be allowed. I request that you look into this matter and take some action to prevent this company from doing business this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

The lawsuit alleges that XXXX systematically misdirected borrowers into student loan repayment programs and types of forbearance, which do not qualify for Public Service Loan Forgiveness, which enables public servants to have their federal student loans forgiven after meeting certain requirements. 
{$2400.00} {$2000.00} credit collection service XXXX XXXX {$1700.00} XXXX  {$700.00} XXXX data breach settlement : all part of that
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

I had an cashapp account wear I purchased shoes supposedly from a shoe company called XXXX but when I sent payment it went to someones personal account called XXXX XXXX  I actually thought it was XXXX XXXX the email and contact on file was all fake I contacted cashapp they refunded me ok cool I thought it was all over then cashapp took the funds back after I explained to me this is a scam theres no such company but they said theres nothing they can do now my cashapp account is in the negatives cashapp name was XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

CFPB Ref No : XXXX & XXXX Ref : XXXX & XXXX Refence XXXX & XXXX AMERICAN EXPRESS CO said " We had permissible purpose to review your credit bureau report, and we handled your applications in accordance with applicable laws and regulations ; therefore, were unable to give you the Platinum Card '' where did you get permissible purpose to review my credit report In accordance with the written instructions of the consumer to whom it relates. Please provide me with written evidence of your permissible purpose that supports your statement. 

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.consumer reporting agencies must 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 the Fair Credit Reporting Act. There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. on the basis of race, color, religion, national origin, sex or marital status, or age provided the applicant has the capacity to contract
Product: Debt collection

XXXX XXXX XXXX owned this debt with account number : XXXX. I contacted XXXX XXXX XXXX to verify this account that was not being reported accurately on my credit report. XXXX sent me a letter on XXXX/XXXX/2014, after reviewing their account on file they were deleting it from my credit report. The account was deleted from all three credit reports. Two months later the same account was sold to " Commonwealth Financial '', I contacted them several times to dispute this account that had been closed. Commonwealth did not respond to my debt verification disputes for the past few months. Commonwealth resold the same account two weeks ago to another collection agency called " XXXX XXXX XXXX XXXX, formerly Integrity Solution Services ''. This account was closed from the original collection agency due to inaccurate reporting, and now has been affecting my ability to establish credit. Commonwealth has been ignoring my mail correspondence regarding the validation of this debt, and sold it again. 
Now commonwealth financial systems is reporting again with a new account number for the previous deleted collection. 
New account number : XXXX Old account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 or 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 that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

They lied ; they reported one thing to CFPB and 2 credit score agencies. Then Comenity Capital Bank turned around and started the predatory practices all over again. My credit score is once again adversely effected.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and TransUnion has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) to correct fraudulent information on my credit report. Over the course of six disputes, I have provided supporting documentation, including FTC Identity Theft Reports ATTACHED demonstrating that the following items are fraudulent : 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  ) Other credit bureaus have removed these items after reasonable investigations, but TransUnion has failed to do so. Additionally, TransUnion has reinserted fraudulent items without the required notice, refused to apply a fraud block within the legally mandated four-day period, and restricted my online dispute access and me access to receiving a FREE credit report online weekly.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I have discovered that I have fraudulent hard inquiries on my credit report, these hard inquiries are not mine, and I request them to be deleted immediately, these hard inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX