23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After I denied the medical bill to the collection agency ( Med-1 Solutions XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX. His collection agent informed me that they could get a judgment without me being notified or without me being in court. After several attempts to have my day in court to present the same documents that I presented to the collection agency and the same documents that I presented to XXXX XXXX Hospital disputing the charge is the same documents that I wanted to present to the courts. 

However, it is very clear that the Collection agency have taken legal action without my knowledge. I was not notified of a court date by the collection agency.
Product: Debt or credit management

I need to update my address with the Lexington Law lawsuit.My new address is XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I sent money through my bank through XXXX and I got scammed by the recipient. I sent XXXX on XX/XX/2019 at XXXX I would like to report this to the recipients bank
Product: Debt collection

I received an email stating, " If you do not pay the current past due amount by XX/XX/year>, we may exercise our rights as servicer of your account under the law. If you are late again in making your payments, we may exercise our rights as the servicer of your account without sending you another notice like this one. ". I was never told the debt was sold to a debt collector or anyone else. I had no idea who owned the loan. I received the aforementioned email in XXXX
Product: Debt collection

I recently checked my credit and my identity was stolen back in XXXX. I have a lot of items on my credit that I dont recognize. Im trying to get the unrecognized items off my credit report.
Product: Mortgage

I am trying to get a short sale done. The lender is not responding to our request. 
I am a sale date of XXXX XXXX 2016 and BSI Financial will not give me any status on the process. I have a willing buyer that submitted a offer over a month ago and we have not gotten any response. Who can help me?
Product: Student loan

I have a loan with FedLoan Servicing. I requested an Income Contingent Repayment plan back in 2015. They have not been able to process it and continue to send me warning letters that I am not paying back my loan. I have emailed them multiple times and called them twice and both times they have promised to resolve the issue. They said they had a backlog of requests. Without my permissiion they put my loan in forebearance, but now they are sending me emails that my payments are overdue. They never processed my request for an ICR plan. It 's like they do n't even hear me when I call or write to them. This is going to affect my credit. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

ON MY CREDIT REPORTS, I HAVE A XXXX DAY LATE PAYMENT ON MY SUN FEDERAL ACCOUNTS WHICH WAS DONE IN ERROR. I SPOKE WITH A REPRESENTATIVE FROM XXXX XXXXXXXX BY THE NAME OF XXXX XXXX WHO ACKNOWLEDGE THE ERROR AND STATED THAT THE CREDIT BUREAUS WERE CONTACTED TO CORRECT THE ERROR. I HAVE DISPUTED THIS INFORMATION WITH THE CREDIT BUREAUS AND THEY CONTINUE TO SAY THAT THEY INVESTIGATED THE INFORMATION AND FOUND IT TO BE CORRECT ; WHEN IN FACT IT IS AN ERROR THAT THEY REFUSE TO FIX. MY ACCOUNT WAS NEVER XXXX DAYS LATE AND THE XXXX XXXXXXXX XXXX XXXX SUBMITTED THE CORRECT INFORMATION WHICH TRANSUNION, XXXX AND XXXX WILL NOT FIX. 
THIS IS A VIOLATION OF THE LAW TO HAVE INCORRECT INFORMATION REPORTING ON MY CREDIT FILE, NOT ONLY THAT, MY XXXX XXXX DECREASED OVER XXXX POINTS BECAUSE OF THIS. IT ISN'T FAIR THAT MY XXXX XXXX AND MY CREDIT FILE HAVE TO SUFFER DUE TO AN ERROR THAT HAS BEEN DISPUTED NUMEROUS TIMES AND THESE CREDIT REPORTING AGENCIES REFUSE TO FIX.
Product: Credit reporting or other personal consumer reports

Ive reached out to all credit reporting agencies over the course of the past 2 years to be exact in regards to my rights being violated, inaccurate findings, fraudulent findings, and unfortunately they did the bare minimum if that to ever resolve or correct the issues at hand. Ive reached out to them via phone calls, letters, disputes online. Unfortunately XXXX, Equifax as well as XXXX. All are still in violation of 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) which states that transactions between the consumer and the person/corporation making the report shall be excluded/ not included. But yet all 3 credit reporting agencies fail to comply with this law. Might I add pursuant to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) the reporting of excluded information on a consumer report is a clear violation of Metro 2 compliance. I need the metro 2 compliance disclosures on reporting transactions to a consumer reporting agency. All derogatory and defamation of character transactions that are reporting as collections, inquiries, charge off, or late need to be removed EFFECTIVE IMMEDIATELY! My time is valuable please dont waste it. Please dont send me any stall tactics, or any other verified or validated responses. I didnt ask for you to validate or verify anything. So again, please dont waste my time. Time is money and between the back and forth that Ive gone through with these agencies a lot of time and money have been wasted. Not to mention the damages that these violations have caused. The negative accounts that have Been placed in collections or listed as charged off were done without me receiving a copy of the IRS form 1099-C cancellation of debt. XXXX, XXXX, equifax and the creditors reporting late payments, Charge offs, or any defamation and derogatory information on my consumer reports are in violation of 26 usc ss 6050P Returns Relating to the cancellation of indebtedness By certain Entities. If this derogatory account information is not deleted within 30 days, I will unfortunately have to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX 2023, I sent a complaint regarding the removal of these erroneous items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX  XXXX Balance : {$19000.00} XXXX  XXXX Balance : {$410.00} These items are still in my credit file and I want them removed ASAP. This complaint is my follow-up attempt to inform you that the items must be removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, The XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts consist of a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, secured credit card account opened at XXXX XXXX XXXX XXXX on XXXX under the account number XXXX a charge account opened at XXXX on XX/XX/XXXX under the account number XXXX, a auto loan opened at XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX, a auto loan opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account XXXX, an Insurance account opened at XXXX  on XX/XX/XXXX under account number XXXX, a collection account with XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account with XXXX Funding on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 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 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.
Product: Credit reporting or other personal consumer reports

I've recently pulled my Experian credit report on the XX/XX/XXXX. There's a Charge-off account # ending in XXXX XXXX XXXX XXXX XXXX XXXX This account has repeatedly reported on my Experian credit profile for XXXX years. 
According to USC 1681e ( b ) 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. 
I have noticed that I have over XXXX names that's attached to my Experian personal information. I have XXXX different addresses also associated with my Experian personal information ( See Attached Documents ). 
Account # XXXX is a Fraudulent account opened in XXXX of my names XXXX years ago. I mailed a certified letter to XXXX on XX/XX/XXXX. They signed for it on XX/XX/XXXX. I requested that they send me ALL original documentations. Along with payment history and signatures. To support that this alleged Charge-off belong to me. It's been nearly a year and I have yet to receive any documentations. That can prove this alleged account even belong to me. I then mailed another certified letter to XXXX XXXX XXXX XXXX. On XX/XX/XXXX requesting the same exact information. That i requested on my XXXX mailed certified letter. Again XXXX signed on the XX/XX/XXXX and acknowledged that they did in fact received my letter. 
Since then I've mailed another letter to Experian. Reporting this account as a Fraudulent account and to have removed from my Experian credit report. Experian declined my request along with not blocking my credit report. Neither Experian nor XXXX has produced any supporting documentations. That proves that this collection belongs to me. On numerous of attempts and attempts they all gone unanswered. I have attached additional supporting documentations. To support the contents mentioned above has never need certified to meet XXXX standards. The data or information provided on Experian has never been verified as accurate, complete, current, or valid in order to ensure compliance with any consumer legislation and reporting obligations. I request that any incorrect, incomplete, or unsupported material/information be deleted immediately.
Product: Credit reporting or other personal consumer reports

At the end of XXXX, XXXX. I had decided it was time to purchase another vehicle. My current vehicle was a XXXX XXXX XXXX I had owned for 3 years and NEVER missed a payment. The XXXX payment was due on XX/XX/XXXX. I decided to hold off on making the payment since I more than likely would be purchasing another vehicle. I also realized that if I didnt find a vehicle before the XXXX that I would just make the XXXX payment. I knew it had to be before 30 days to avoid a mark on my credit score. 

I traded-in my XXXX XXXX XXXX, which has been financed by San Diego County Credit Union XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I specially asked my Sales Rep, XXXX if I should make the payment. She said it wasnt necessary as XXXX had already included the full payoff amount in the check that would send to SDCCU. With that, I signed all the appropriate documents released the legal responsibility to XXXX and dropped the XXXX from my insurance. I thought everything was fine until about a month later I received an alert from XXXX stating that my score had dropped XXXX XXXX due to a 30 day late on my XXXX XXXX XXXX. I immediately went to the Credit Union thinking that someones in the branch would be able to quickly resolve the issueI was wrong. They said I had to write a letter to the credit department explaining my situation and provide documentation. I was very frustrated and disappointed that there was even a phone number or point of contact or anyone I could directly speak with. So, I did as they instructed and provided copies of the loan documents and all the paperwork showing that I no longer owned the XXXX XXXX XXXX XXXX  which was 6 days prior to the 30 day window. Within a few weeks I received a letter stating that they would not makes any correction unless I provided more information. They never stated what else they needed. My thought was, what else do you need when you can clearly see when I traded in the vehicle? With no one to speak with I went back to the Credit Union and again was told there was nothing they could do. Im so frustrated and disappointed as I had been a good customer and tried to do the right, and again, I HAD NEVER MISSED A PAYMENT. It would nave zero sense to fumble the last payment on the loan prior the trade-in, and damage my credit. I am requesting your help to have my credit reports corrected to reflect the paid off status and the removal of the late payment. I truly hope you can help me with this matter. 
Best regards.
Product: Debt collection

In XXXX and XX/XX/XXXX, a debt collection agency contacted me multiple times within a XXXX period, making four calls and leaving two voicemails. Additionally, they contacted my sister and mother without my consent, attempting to use them to reach me. These actions were distressing and felt harassing. I have been registered on the National Do Not Call list since XX/XX/XXXX. The debt collector 's conduct appears to violate the Fair Debt Collection Practices Act ( FDCPA ), the Telephone Consumer Protection Act ( TCPA ), and potentially other consumer protection laws, given the unsolicited calls. Despite not initiating any direct contact with the debt collector, their aggressive attempts have caused significant emotional distress. I have retained call records, voicemails, and messages from my sister and mother as evidence of these incidents.
Product: Mortgage

I sent a verification of debt in early XXXX via fax and email for two loans ( XXXX & XXXX ). The lender denied my verification of debt because it did not include a signature. However, the FDCPA does not specify that a verification of debt must be signed by hand. It can be signed electronically or even verbally ( i.e. via email ). I understand why my fax request is denied but my email verification should still be valid. As the account holder, sending you a request with the email on file should be enough proof to perform the Validation of debt. I also provided the last 4 of my social. If this is solely a NewRez company rule, they are at fault. This is illegal because their internal rules can not triumph law.
Product: Checking or savings account

went to check my account and found out that citi bank released my funds without my knowledge or permission to a person I do not know on XXXX in the amounts of XXXX and XXXX all on XXXX to a women name XXXX XXXX XXXX have no idea who she is or how she got Citi Bank to give her my money, I have filed a complaint with them but was denied but I filed an appeal have not heard back as of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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

I have written Experian, called AND spoke to 14 different people to no avail. Someone hacked my credit and I got all three reports locked. Once locked I was able to unlock XXXX and XXXX in order for me to use my reports to acquire new credit. I tried to unlock experian and I have had THEE most trouble trying to get them to unlock it. Not only am I unable to access my online experian report but they have still yet to unlock my actual report. I am at wits end to try and get this resolved as I need to apply for something, yet experian 's locked report is holding me back.
Product: Checking or savings account

At the end of XXXX XXXX of XX/XX/2021 I noticed our savings account was showing a negative dollar amount even though we had been adding money to the account. I reached out to CitiBank to figure out what was going on and was told there was fraudulent activity so they needed to put a freeze on my account. As of XX/XX/XXXX the account no longer existed and the money was never refunded back to my account. I have called numerous times between XXXX XXXX XXXX with nothing being done. I have been told several times to allow 10-15 business days to receive a refund check for my {$1000.00} from the account however I am now a full 30 days past that. I get passed to several representatives who don't speak good XXXX and don't understand what I am asking. I have been hung up on and placed on hold several times.
Product: Credit reporting

I have several Navy Federal Credit Union accounts that were investigate because my accounts should state paid as agreed. I never missed a payment with the creditor and my report is showing negative information.
Product: Payday loan, title loan, or personal loan

I purchased numerous items of furniture from XXXX XXXX online on XX/XX/XXXX ( Items 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 ) coming to a total of {$5600.00} XXXX I registered with Affirm to pay for my purchase, for a no-interest loan that would go over a few months. I paid the loan off without any late payments ( early ) on XX/XX/XXXX. XXXX XXXX said several items were backordered and monthly I checked the order to see when to expect the shipment. I received {$4800.00} worth of furniture but never received the 1 ) XXXX or 2 ) XXXX XXXXe from the original order for a total of {$790.00} worth of merchandise. These items were canceled BY XXXX XXXX on XX/XX/XXXX without my knowledge and will not refund me for items not received. Affirm refusing to escalate this issue as it is outside of their 60 day window from the loan agreement. I initiated calls to XXXX XXXX and Affirm on XX/XX/XXXX with neither party willing to assist or contact the other to reach an agreement.
Product: Credit reporting or other personal consumer reports

As a victim of Experian XXXX Breach my engagement number is XXXX to 15 USC code 6801 Protection of Non public personal information ( A ) it is policy of Congress that each financial institution has affirmative and continuing obligation to respect the privacy of its consumers and to protect the customers non public personal information which was leaked per Experian. Im demanding immediate removal of accounts & inquires.
Product: Credit reporting or other personal consumer reports

I've been trying since XX/XX/2023 to get Equifax to remove the 'NH ' code from my electronic credit report. I NEVER AUTHORIZED THE NH CODE. Equifax did this without my consent. I need to be able to access my credit report electronically.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NM, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX I also request that my credit profile be updated with the accurate addresses : XXXX XXXX  XXXX XXXX XXXX XXXX, NM, XXXX XXXX XXXX XXXX, XXXX XXXX, NM, XXXX To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Debt collection

Dear Sir or Madam : I am writing to dispute the following information in my file. 
Blakely-Witt Associates XXXX Which currently is reporting through your service : Account Status : Collection Payment Status : Seriously Past Due Status Updated XX/XX/2018 Balance {$1.00} This item Blakely-Witt Associates XXXX is inaccurate I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have disputed this item multiple times through your agency and even providing supporting documentation. I am requesting that the item be removed. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.