23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The account in question is medical in nature. My son 's ( XXXX ) were seen by the doctor both received blood test for XXXX. The bills were submitted to my insurance company ; insurance rejected both claims, when I called about the rejected claims I was provided guidance on what the doctors office would need to do so the claims could be paid. The doctor corrected XXXX claim but not the other, I fought with the insurance company, the doctors office and the debt collector for XXXX yrs. Keeping all entities informed of the issue. Ultimately I paid the bill, the debt collector placed the account on my credit report as a late payment that will not be dropped off my report until XX/XX/2021.
Product: Credit reporting or other personal consumer reports

Experian is refusing to remove an inaccurate public record from my credit report and has mishandled my request multiple times. They are reporting a dismissed lawsuit as an active public record, even though I provided official court documents proving that it was dismissed without prejudice and should no longer be reported. 

I first disputed this inaccurate record on XX/XX/year>. During that dispute, the Experian agent rudely argued that I never sent in my dismissal letter and claimed there was no record of it in the system. However, after further checking, the agent later found my dismissal letter in Experians system from my first dispute. This means my original dispute was never processed properly, and the agent wrongfully dismissed my request instead of handling it correctly the first time.

Because of Experians mishandling, I was forced to start a new dispute. The new agent explicitly stated that he would attach the dismissal document to my case, yet he failed to do so. This led to my dispute being mishandled a second time, creating unnecessary delays and continued reporting of false information on my credit report.

When I attempted to escalate this issue over the phone, the Experian agent was rude, refused to provide any decisions in writing, and refused to transfer me to a supervisor. I was brushed off and given no legitimate path to resolution other than being told to send in the same documents againdespite Experian already having them. This is a deliberate attempt to delay my right to an accurate credit report.

Experians repeated failures violate the Fair Credit Reporting Act ( FCRA ), which requires them to investigate and correct inaccurate information promptly. Instead of following the law, they have mishandled my case twice, failed to process my dispute correctly, and wrongfully claimed I never submitted documentationonly to later find it in their system.

I am requesting immediate removal of this dismissed lawsuit from my credit report and written confirmation that the correction has been made. If Experian fails to comply, I will escalate this matter through legal action.
Product: Credit reporting or other personal consumer reports

I'm trying to buy house and i came out of XXXX and collections and late payments are affecting my credit report collection company are not being professional according to the 15 USC1681 law there should not be any damages on report is defamation to my character
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

As a retired Police Officer, I'm allowed to deduct a certain amount every year, taxed free to help pay medical insurance XXXX XXXX informed XXXX they were not allowed to accept the funds and sent the funds back to XXXX This back and forth continued sometime between XXXX, XXXX XXXX and the City of Grants Pass. The funds were eventually deposited back into my XXXX account XXXX continued with their mistakes and sent my tax form, showing I received both checks. Due to the amount, I was required to pay federal and state taxes on second check, even though the second check had been returned to my XXXX Account. I attempted to correct XXXX and requested a new tax form, but I was originally ignored. 

To make things worse, XXXX sent me to collections through the collections firm of XXXX and XXXX XXXX requesting that I immediately pay the full amount of the second check. 

XXXX did not step up to get the collections situation resolved and I had to prove to XXXX and XXXX that I did not owe XXXX a XXXX cent and the money in question was my own. I also had to repeatedly request that XXXX correct my tax statement. They delayed until after my scheduled tax appointment. 

Since this situation started, my XXXX XXXX has skyrocketed, I'm not getting sleep, and I have through up due to the stress they have caused me. 

I have told XXXX, they need to step to the plate for my time, my stress and lack of sleep and increased XXXX XXXX for their actions. XXXX refused to even acknowledge my complaint and stated it was an accident, and they would not do a thing.
Product: Credit card

I am trying to log into my pay pal account but when I try and log in it prompts me to receive a text at a phone number I don't have access to. my one and only number is XXXX the attached image is the card associated with my account or at least a previous one, its been a while since ive used the account
Product: Vehicle loan or lease

My checks are being garnished by a collection agency and they are not reporting payments to the credit bureaus which is negatively impacting my credit score.
Product: Mortgage

First Alliance Lending lost my XXXX and XXXX State and Federal Tax returns, including all XXXX. 
After prequalification, I was instructed to provide both years to First Alliance, and I delivered them in person to have them scanned which would be returned to me " shortly. '' This was XX/XX/XXXX, and my mortgage was finally closed on XX/XX/XXXX. During those four months of negotiations and preparations for closing, I requested that the returns be sent back on a weekly basis. I still have n't received them, and they are unwilling to help me further. Now that I 've moved out of state, I am having immense trouble getting tax help from professionals since my XXXX and XXXX returns were lost. First Alliance lending has been unhelpful and essentially told me " too bad. ''
Product: Credit card or prepaid card

It all started when I thought someone got my card number and charged on it but it was a miss judgment but the card was canceled and a new one issued. I had a payment due so I looked up what I thought was the address of where the payment was supposed to go so I entered it in my bank payment page on my banks app and made a payment of {$250.00} dollars ahead of time. I got a notice that the payment was coming up due and they claimed that they didn't receive the payment yet so I made another payment for XXXX dollars to stay current. I made the payment on the phone with Citi bank and I asked her why they didn't receive my first payment, I gave her the address I sent it to and she confirmed that it wasn't their preferred address but it still was their address. She then sent me to their lost payment department and filed a complaint, she put the payment against my account but I had 10 days to get her proof of payment which I called my bank and they sent me a copy ( in a email ) of the check that they sent I offer to send it to citi bank in a email but she didn't want that she wanted it to be mailed. I said to her that with the post office it would be lucky if it got there in 10 days. She said mail it so I printed it out and mailed it. After about XXXX weeks they took the XXXX dollar credit off of my account and said that the picture I sent wasn't clear enough. I then went to my bank and had them print out the check copy and sent that one. In the mean time I had another payment coming due and when I was talking to the first lady she gave me the right address so I changed it on my bank payment account. I sent a payment ahead of the statement because it was late getting to me ( email ) I sent XXXX dollars I finally received the statement and the payment was like XXXX dollars somewhere around that so I sent a addition XXXX dollars well before the due date. I then got another notice that they haven't received any of the 2 payments so I went on to their app signed up for bill pay and made a XXXX payment which was credited to my account. Now as to this day they have been dragging their feet on the payments I called her again and asked her where my payments are I have another payment coming up due in a week or 2 and I am going to use my bank I am paying for bill pay though my bank account for the convenience so I am not going to be going to all the different accounts to make payments when I can do them all though my bank. They to this day have not found the XXXX dollars ( 2 months ) or the XXXX dollars ( 1 month ) they surprise surprise found the XXXX dollar payment and that one was made after the XXXX dollar one. 
I need help I am getting nowhere with them. 
XXXX XXXX
Product: Checking or savings account

I applied for a Credit Card from XXXX and tried to log into the app and was told I already had an account, which is impossible cause I've never applied for a Chase card or opened a Chase bank account. The checking account was opened on XX/XX/20. I called the XXXX customer service and they confirmed yes indeed someone has all my information.
Product: Mortgage

I have a {$710.00} amount that is showing up on my statement as past Unpaid amount. I have sent four emails with a request for an itemized statement for those charges. I have asked for the dates, amount and why to no avail. I keep getting short answers that does not answer my questions. Its like some one do not want to take the time to get me the info. If they cant provide me an itemized statement, they need to remove those charges. 

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

I have already contacted company by submitting a certified letter to each company and as of yet have not heard anything back, and I want these hard inquiries removed immediately. 


XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX/Transunion XXXX, hard inquiry XX/XX/XXXX - Transunion XXXX XXXX, hard inquiry XX/XX/XXXX - Transunion XXXX XXXX, hard inquiry XX/XX/XXXX - Transunion XXXX hard inquiry XX/XX/XXXX -, Transunion XXXX auto, hard inquiry XX/XX/XXXX - Transunion XXXX XXXX, hard inquiry XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX ; XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX , XX/XX/XXXX Transunion ; XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX, auto hard inquiry XX/XX/XXXX - Transunion ; XX/XX/XXXX, XX/XX/XXXX - XXXX All of these companies sent a certified letter of dispute XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

on XXXX at XXXX XXXX and on XXXX Medicredit called my personal phone without my prior written permission at an inconvenient time leaving an embarrassing voicemail using obscene and profane language alleging I owe a debt in the amount of {$440.00}. On XXXX Medicredit called and sent out a letter harassing me with an offer to settle a debit I do not owe them. On XXXX I sent Medicredit my Affidavit of truth rebutting all alleged allegations. On XXXX at XXXX XXXX Medicredit again attempted to collect an alleged I do not owe them.
Product: Credit card or prepaid card

Discover Bank has willfully been denying me of my consumer rights and breaking the law while doing so. 
I have reached out to discover bank and the credit bureaus to have a proper investigation done under 15 USC 1681. I have the right to an accurate and fair consumer report and a fair and correct investigation. You Discover Bank have to provide me with the proper documentation and that has not been done. Other than the fact that the reporting agencies are paying you what other information is causing you to side with them? Please provide me with all of the documents that prove I was late on this account. 
Furthermore you have been violating my privacy and did not disclose all of my rights. 
I was not given proper disclosure telling me I was allowed to opt out of disclosing my non public personal information. My transactions are non public personal information. 
You are in violation of 15 USC 6802 & 15 USC 1681 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 
I was never given proper disclosure.
Product: Debt collection

I have sent several requests to validate this account with no response. This is not my account /debt. This is a hippa violation with no legal contract in place. Please remove from my credit report. Disputes has also be submitted. I'm prepared for further action this continues
Product: Credit reporting, credit repair services, or other personal consumer reports

I opted out of Early Warning products and services XX/XX/2022 and yet they are still reporting false information. Then throwing the buck on XXXX XXXX XXXX. XXXX claims they did not report such incidents to them now having verified through a previous banking transaction it has been confirmed that they are still reporting false information. When speaking to them them about it I was laughed at and denied a higher tier request. You guys have peoples lives in your hands its not funny at and should be handled accordingly.
Product: Debt collection

I have a federal debt that was taken out through XXXX at the time, which is now XXXX. The federal disbursement was through XXXX from what XXXX has told me. I was unable to keep up with this loan and it ended up in collections with GC Services, I was told by XXXX that I paid off my federal loan and it is no longer owed to them. However when I call GC Services they still say I owe {$13000.00} ( Estimated ), when on my XXXX account it says I have paid more than {$14000.00} ( estimated ). I just want my wage garnishment to stop and to know where the {$14000.00} has gone to.
Product: Debt collection

XX/XX/20 sent certified letter XXXX to Progressive Management disputing alleged debt I have no knowledge of. no response received sent a second certified letter on XX/XX/20 XXXX again no response received. I have not been able to obtain any such verification that the alleged debt exists yet this company continues to report and verify it's accuracy with the credit bureaus. I have never received any bill from XXXX XXXX XXXX. If any charges were owed I do have medical insurance to cover it. this company continues to violate the law causing me to incur financial damages. this account needs to be removed immediately from all my credit bureaus. they need to be held account for their illegal business practices.
Product: Credit card

Capital One continues to report to all 3 credit bureaus inaccurate info. pertaining to my credit history. Accordingly, on XX/XX/2013, the card company reports I was late for 30 days which is inaccurate. The account has been paid on time and has a XXXX balance.
Product: Mortgage

My mortgage account was transferred years ago from XXXX, XXXX, XXXX, to now Shellpoint. This account has been in distress since the listed Servicers have taken over the account. And it goes beyond just bad customer service, accounting and the misplacement of my payments but my PMI and tax bill as well. 

My current monthly mortgage is {$1100.00}. Transferred XX/XX/19 to ShellPoint. 
Before the transfer, I was sending monies in ADVANCE of {$600.00} bi-weekly to XXXX. To provide full payment an additional {$88.00} to be applied to the principle. 

I contacted your ShellPoint on XX/XX/19 at XXXX, and it was confirmed there were XXXX sitting in the unapplied account from XXXX transfer that was paid on XX/XX/19 ( principal {$220000.00} ). ShellPoint confirmed again through correspondence on XX/XX/19, there was money sitting in suspense account. Monies were never applied. I continuously contacted ShellPoint several times about posting payment after I made another payment of XXXX on XX/XX/19, to no avail, never applied. 

There was money sent XX/XX/19 that was applied to XXXX. The {$88.00} principal payment applied from Shellpoint payment history provided did not decrease the principal balance but increased. Also, Shellpoint adjusted my principle balance with an increase of {$600.00} ( principal, XXXX, XXXX ) in error and without notice. The payment history amounts listed in some of the columns are not shown. 

I currently have fees accessed to the account. Unexplained amounts indicated ( legal, other, etc. ). 

Considering the misplacement of payments and reviewing the payment history provided by XXXX and Shellpoint, I have to question the authenticity of the recent payment history provided.
Product: Vehicle loan or lease

This happened I made a complete due payment on XX/XX/year> by the time ALLIANT CU processed the payment the account was 32 days past Due see Screenshot attached XXXX. XXXX proceeded the {$280.00} payment on XX/XX/XXXXXXXX XXXX XXXX XXXX 
3.. ALLIANT CU ANY ways repossessed the car on XX/XX/year>. 
With 37 days past Due see Screenshot
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX  XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/Charge off : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Also Known As : XXXX XXXX Previous Address ( es XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous XXXX XXXX es ) : XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous XXXX XXXX es ) : XXXX XXXX AV XXXX, CA XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Also Known As XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX  Employers : XXXX XXXX XXXX  Employers : XXXX XXXX XXXX XXXXXXXX, CA
Product: Vehicle loan or lease

trade in didn't happened. Please delete inquiry EXETER FINANCE XXXX XXXXI didnt apply for this company for a loan.