23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on or around XX/XX/2021 I switched phone providers from XXXX  to XXXX. I called XXXX to see balance owed if any. I was told by a XXXX  rep that if i sent in the phone and paid {$150.00} that would end my obligation to XXXX. I did as instructed. return kit sent. mailed phone. paid {$150.00} to the XXXX  rep over the phone.. who stated he worked where returns come to.. verified mine was checked in ... ( XXXX XXXX ) .. transaction complete so I thought.. I discover.. with no warning.. XXXX  contacts a collections agency @ 4 months later saying I owe {$150.00} and reports it to all 3 bureaus. XXXX  has since removed it based on my dispute. XXXX  and XXXX  I cant ( why I dont know ) is not allowing me access to my own credit file to dispute this. XXXX  knows this is fraud. they've done the same to my wife. this matter is paid in full and they have NO credible proof its not. I would like XXXX  to remove this from my credit and if by some miracle the payment i made was lost or stolen i would pay again because this mess caused my credit score to drop a avg of 25 points across the 3 bureaus. my credit score matters to me.. paying {$150.00} twice is hard to accept for me but in the big scheme of things ... regular citizen versus XXXX XXXX corporation.. for me and my family its what im forced to do if collection is removed first. because proving this XXXX cant do
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries and strongly suspect they are deceitful. I implore you to carry out a detailed investigation and promptly expunge them from my credit history. I have provided supporting documentation for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will like a bankruptcy that does not belong to me that is being reported on my credit report deleted .. I will like proof provided that this was under my name full ssn and address where I reside, I have resolved this issue with the other credit bereaus and this is not something I have filed and is linked to my credit profile, also I have inquiries that I do not recognize and will like them removed I have been a victim of identity theft and will like for these things to be removed I provided documents stating what they are thanks
Product: Debt collection

This account was opened in XX/XX/XXXX by my husband. I was an authorized user on the account. At no time could I call and do anything with the account. On XX/XX/XXXX my husband moved out and forwarded all his mail to his new address. Until this showed up on my credit report I did not know he canceled the card on XX/XX/XXXX. I already had the XX/XX/XXXX payment set up in bill pay. 
This account being reported on my credit report is effecting my ability to get a mortgage. I have tried several times to get resolution but it has come to nothing. I called yesterday and spoke with a woman in Recovery that happily took my new mailing address but other than that would not talk to me about the account without my ex husband 's consent. She also told me the account balance is {$150.00} more than I thought and to have it shown as paid I have to pay the entire amount. 
My ex husband would never do a thing to help me, in fact opening this up will result in another barrage of insults and threats. The last time I contacted him about left over business from our marriage he wanted to know why I was n't dead yet. Due to our son being a minor at the time he had a {$100000.00} life insurance policy on me. I feared for my life. I never gave my social security number to be associated with this account. 
If I can not get information or deal with this how can it be reported on my credit report?
Product: Credit reporting or other personal consumer reports

This letter is my formal written request for you to investigate the following Unverified accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. & 1681 your company is required by the federal law to verify- through the physical verification to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my signature on it ) that you use to verify that the account belongs to me the first time you report the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C & 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following account be verified or remove Immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX ) {$7900.00}
Product: Credit reporting or other personal consumer reports

That have my XXXX XXXX account Potentially Negative closed {$2600.00} written off account. I have been trying for XXXX  XXXX  to fixed this. They say they cant fixed its so its need to be remove its off my credit file. Its is again the law what they is doing. This account is close and paid in full and this account is too old.
Product: Student loan

Navient did not inform me about how I would need to consolidate through department of education directly for XXXXXXXX XXXX I was under the impression that Navient WAS an official department of education loan holder which would qualify me. They knew I was interested in XXXX and even asked if I worked for nonprofit for full forgiveness ( I havent ) but never offered to tell me how to become eligible for the XXXX. This is not the first time they have left me intentionally uneducated through omission of information. In years prior they didnt tell me about XXXX telling me instead that my only option was forbearance allowing themselves to profit off my ignorance for YEARS. Now they are telling me that the deadline to consolidate was XX/XX/22 through the department of education in order to qualify for XXXX XXXX which has conveniently passed. This is so unfair and wrong. They should be forthcoming about qualifying but thats never been in there self interest.
Product: Credit card or prepaid card

XX/XX/2023 and account was opened fraudently in my name with SYNCB/PAYPAL Bank . I contacted them on XX/XX/2023 and let them know it was fraudently opened without my consent. I them made a dispute with transition and put a freeze on all 3 credit bureaus.
Product: Debt collection

I disputed the collection through  XXXX  originally. The collections were removed from the report. Approxima tely 30-45 days la ter it was really reported to all   XXXX   credit agencies,  XXXX ,   XXXX   and  XXXX  after obtaining information from  XXXX . It is illegal to attempt to col kk ectopic after an item has been removed for violation of the fcra. I want this removed and the company dealt with appropriately.
Product: Debt collection

I learned recently ( by an credit score alert service ) that COMMONWEALTH FINANCIAL SYSTEMS has entered a collections account with two of the three credit bureaus, bringing my credit score down by more than 200 points ( on the one I can monitor ) I have been working very hard to get my score where it was, for this to happen all of a sudden and out of the blue. 
They claim to be collecting {$1200.00} for XXXX XXXX XXXX XXXX, XXXX but I called them and after checking they assured me they have never had any account under my name. This has to be a mistake. 
I have disputed this with the credit bureaus, but they haven't ruled in my favor, so I am entering this complaint. I don't recognize this debt, they claim it was originated in XXXX but I haven't gone to the doctor 's and not paid in a long time! Years. 
I got sick in XXXX with XXXX XXXX syndrome and my health insurance company back then claimed it was a pre-existent condition and didn't pay any of my bills, so I had to default on my credit cards and left all my medical bills unpaid. I'm thinking this could have been originated back then, maybe, but ... I don't recognize the amount, nor the provider, and if somebody sent me to collections about this I was never notified or given the chance to work something out before they did it. 
I researched this debt collector and they have a long history of buying old debt and re-dating it to try to collect, I don't trust them one bit. 
I think this is a mistake, I don't owe this amount to these people, I am asking this to be erased from all my credit reports. 
Thank you.
Product: Debt collection

On XX/XX/XXXX I received a letter from Springs Oaks Capital LLC debt collector Reference XXXX, claiming that as of XX/XX/XXXX I owed {$1300.00}. I reached out to the company and explained that I was not the owner of the debt. Spring Oaks advised me to file a police report. In the meantime, I received several calls from Spring Oaks and I continued to explain that I was not the owner. I reported the matter to the XXXX XXXX Police in XXXX XXXX but I was not given a formal report, I was advised to check my credit report so I reached out to XXXX and they confirmed the above. 
I continued to reach out to the debt collectors and they directed me to XXXX. 
On XX/XX/XXXX, I went back to the XXXX XXXX Police department and I refiled the identity Theft Incidence, I received a copy of the incidence report affidavit Report Number XXXX / Filing date XX/XX/XXXX. I also filed the Identity Theft Victim 's Complaint and as directed uploaded it to XXXX XX/XX/XXXX. However, I continued to receive calls from Spring Oaks, an agent advised me to send it to their company XX/XX/XXXX and I did. The matter was not resolved so I reached out to XXXX XXXX XXXX, XXXX on XXXX XXXX. 
Furthermore, The origin of the debt is in XXXX XXXX and I have never resided in any other state besides XXXX. 
I firmly disagree with Spring Oaks that I am the owner of the debt because without any doubt I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In JXX/XX/2020 i payed off the largest loan on my credit, XXXX or so dollars via the collection agency that had been hounding me relentlessly for XXXX ( XXXX XXXX XXXX  ) and i negotiated that i would pay the entirety at once in return for the account being wiped off my credit within 2 reporting dates and even though i held up my end of the bargain and was told 10 days later it would be reported i have seen nothing after 2 months. i can provide the email conversation with the representative and the receipt of debts paid
Product: Debt collection

XXXX XXXX XXXX added a negative account to my credit report. The date they state this account was opened with them was XX/XX/XXXX. I believe this to be for a XXXX debt that was already once removed from my credit report. Loan Type Debt Buyer Account. I am in the process of rebuilding my credit, this has negatively impacted my score which was on a slow climb towards mortgage ready. The date of first Delinquency is listed as XX/XX/XXXX before my account was open with them. The information they have posted on my credit report is inconsistent. They have made no attempt to contact me by mail. They are a predatory collector dredging up things past removed to add them to a credit report again.
Product: Credit card or prepaid card

I have two accounts one with XXXXXXXX XXXX XXXX XXXXXXXX and one with Victoria 's secret. I have been unable to check my online accounts since XX/XX/XXXX. I have tried calling on the phone and I get a message about an update and that they can not help and it disconnects me. It was only today on XX/XX/2022 that I received an email alerting me to this issue. I have called multiple help phone numbers for the two different card accounts and I get a voicemail regarding their update and that they can not help and then it disconnects. Since I have paperless statements and I can only access my accounts online I do not know what my balances are I do not know when my due dates are and I do not know my minimum payments due. This is completely unacceptable and extremely frustrating and worrisome. The fact that there is no communication from the companies holding these cards and accounts is disgusting.
Product: Credit reporting or other personal consumer reports

I filed a dispute on Account number XXXX regarding the date the account is showing for its " opened date '' being inaccurate. It was opened in XXXX and is being reported as being opened in XXXX. 

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 
I recently was notified that CFPB has filed a lawsuit against the company XXXX. 
It alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. The following accounts have violated my rights : ( Collection ) XXXX XXXX XXXX XXXXXXXX ( Collection ) XXXX XXXX XXXX XXXX  ( Collection ) XXXX XXXX XXXX XXXX XXXXXXXX Upon reviewing my Experian credit report on XX/XX/2024, I noticed several inaccuracies and incomplete information. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it is required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual to whom the report relates ( 15 U.S.C. 1681e ( b ) ).

Furthermore, under 15 U.S.C. 1681i ( 5 ), it is stated that : ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the consumer 's file or modify it as appropriate, based on the results of the reinvestigation.

( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the consumer 's file.

Additionally, according to 15 U.S.C. 1681s-2, a person is prohibited from furnishing 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, credit repair services, or other personal consumer reports

On XX/XX/2020 I mailed in a dispute to Experian regarding a collection on my account from XXXX XXXX XXXX on XX/XX/2020 experian complete their investigation and sent a copy of my credit report stating completed investigation of FCRA dispute consumer disagrees iteam was updated. On XX/XX/2020 I mailed in a letter requesting experians method of verification wich Is my right under FCRA 611 asking for all information provided by the creditor to be forwarded to me received a post card in the mail on XX/XX/2020 I received a copy of my credit report stating this iteam was updated from the process of your dispute on XX/XX/2020 I mailed in a letter requesting method of verification one last time I asked for names, telephone number, a copy of legal documents bearing my signature showing I have a binding contract with the XXXX XXXX XXXX   agreeing to the exact amount claimed. In XX/XX/2020 I received a copy of my credit report they updated the balance from {$820.00} to {$1000.00} after the iteam has been on my credit file for over 5 years I have never received any information as requested from experian wich I have the right to under FCRA 611 experian is not doing their job and investigating my disputes properly this is not the only account that includes false information regarding experian at this point experian is making up stuff I have been personally affected by experians negligence to properly verify information on my credit file I have lost out on numerous job housing and credit opportunities experian needs to be held accountable.
Product: Debt collection

I have already tried contacting XXXX XXXX XXXX with 2 official notices asking to prove the debt is mine but they have produced no documents related to this debt, they just keep calling and sending me the same letter over and over again. 

At this point this needs to be eliminated from my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion deleted and reinserted this inaccurate item twice in a week which proves they never sent me a written five day notice. On XX/XX/XXXX Transunion deleted an inaccurately reporting Bankruptcy off of my credit file and reinserted it without a written five day notice which is a violation of the Fair Credit Reporting Act. They then removed it again on XXXX XXXX and has reinserted it without a 5 day written notice. I have repeatedly sent them requests for VALIDATION which they have failed to provide. They said it was verified through the courts via telephone and I provided them a letter I personally received from the courts stating that they do not give any of that information to credit bereaus. In addition, the public records law as of XX/XX/XXXX states that a public record must contain all of the following in order to remain in a consumers credit file : Name, DOB, SSN, and address which this public record does not. Furthermore, they are reporting inaccurate public information on my file and it is hindering my ability to obtain credit. I would like for this account to be deleted immediately and not reinserted again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial XXXX  and defamation of character along with 60 plus days of no response.
Product: Checking or savings account

I have Chime disputed with XXXX twice XX/XX/24 and XX/XX/24 there both saying that the account is still active I have the checking account and credit card builder, I have looked them today XX/XX/24 and the person I spoke with says the the account is closed but could be reopened, and there isnt any way to permanently close it, so they have my data, my social security, my address, my phone number, my email, and who knows what, have closed accounts and I never heard a thing where they cant permanently close an account, and could still be reopen, they make you feel trap because theres no way of getting away, I want everything closed permanently and have my credit score changed, I been reading online and a lot of other people are dealing with the same situation, this is a state wide problem, and Im reporting them and taking action, to whom may read this please look it this problem, thank you.
Product: Mortgage

My other complaint was closed. The problem was never resolved. I started this loan modification back in XXXX of XXXX. Everytime I fax paperwork something is missing, I refax it and they say something else is missing. I spoke with the relationship manager and while on the phone I faxed what he said was missing. Call back a week later the same stuff is still missing fax it again. Other documents are missing. Files a complaint with cfpb they got the companies response and they stated documents were missing. At the end of the last complaint I faxed the papers they mailed and said was missing on XX/XX/2022 and still nothing. This has been going on for 5 months now for a loan modification. This company has been sued my numerous states for mortgage mishandling. And I can't get anywhere with them. My only step is a lawyer now.
Product: Checking or savings account

Ive been a Robinhood customer for years with a cash management account. I recently had to dispute a charge on my debit card and support would not initiate my dispute for almost a week. In this time, they limited my ability to request live support ( chat and phone ) through the app. My only option was to submit a ticket via email. 

It has been almost a month and this issue persists. I reached out to support today and representative XXXX informed me that they cant give me access to live support at this time but I may be able to establish rapport with them to enable this later on. 

This is absolutely ridiculous and against their obligations as a financial institution. As a banking customer, it is my right to be able to contact support through any channel I want to, whenever I need it. Its not a privilege that can be revoked and held over my head with conditions. 

Robinhood Money LLC is acting unethically and I do not trust them to hold any of my funds or assets. I need access to live support through ALL channels on my account to be reinstated promptly and permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Equifax and XXXX  on several occasion throughout the year regarding my credit report not reflecting accurate information. They never did a proper investigation and still information is showing up. I am a victim of identity theft and I have told them that following information being reported is not accurate. 

XXXX  XXXX XXXX XXXX XXXX XXXX I have never had any accounts with them and these were opened fraudulently. XXXX  XXXX is showing balance of XXXX, XXXX XXXX XXXX and XXXX XXXX has no information. I need XXXX  Equifax and XXXX  fix my credit and report accurate information this has caused me loosing my job and not being able to find a new one.
Product: Mortgage

We emailed a request for a payoff demand on XX/XX/XXXX. I called in today, XX/XX/XXXX, was told there was no record of it being requested. When I asked to speak to a manager the LoanCare rep hung up on me. This is not acceptable. -- -- -We see a disturbing trend of XXXX discrimination with LoanCare towards their minority borrowers. ********* Specifically, please look at the history of complaints centered around XXXX discrimination for this borrower. When is the Federal government going to put a stop to this????
Product: Debt collection

On XXXX XXXX, XXXX a judgement was rendered against me by Portfolio Recovery Associates for an account written off by XXXX XXXX. I have contacted PRA with my concerns that the judgement was filed with improper documentation on the sale of the debt as well as my concerns regarding the collection tactics by PRA strong arming me into a payment that I could n't afford at the time and telling me that I did not need to respond to the court which in fact I found out that I did have to respond to the court, and I had to do some of the legwork myself that PRA attorneys should have done. I had a complaint before regarding this based on information reported about PRA and XXXX XXXX XXXX - both of which have sued me. PRA came back with a blanket answer that I was not eligible for restitution according to the CFPB charge - BUT, they did not even look at my concerns regarding the improper paperwork filed with the court. XXXX XXXX on the other hand, refunded all monies paid to them in full based on the same type of lawsuit filed for a different credit card - same tactics and paperwork as PRA. I have attached what I sent to PRA on XXXX XXXX and have had no response from the company other than it has been forwarded to the " XXXX Dept ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.