23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have an item by the name of " XXXX XXXX '' on my credit report. I have no such credit card. The item indicates I have an outstanding balance upwards of {$2000.00}. Furthermore, over the months I have been monitoring it on my credit report I have noticed the balance decreasing, which indicates SOMEONE is making payments - it is not me. 

I have one credit card in my name, it is under my XXXX XXXX XXXX XXXX XXXX. I have no idea what this card is, and it is negatively affecting my credit standing. I need it removed, I believe this is either fraud or identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account on XXXX, XXXX and Equifax from XXXX XXXX XXXX XXXX in the amount of XXXX. I was one of the signers on the account which was a business account. The account was closed by the bank. I understand reporting this against the company but not against me. The account was opened with an EIN number under a business name as a business checking account and not a personal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to have XXXX correct my account as they listed XXXX, XXXX, and XXXX as each being 30 days late each. There could not be 3, 30 day late payments in a row. ( 3 inaccurate mark ) {$1000.00} fine each. 
Also, as per 15 us code 1681s-2 ( f ) in which is found on the CFPB website, If XXXX made an accommodation, in which they did, they waived fees on my account due to covid. Since my account was in good standing at the time of the accommodation my entire account was to be update to paid as agreed so there should be no late payments on this account and should show current anyway. 
I sent an email as per their supervisor XXXX on XX/XX/2023 advising to list my credit disputes. The email also had a letter outlining in more detail of the law and what I was disputing. The email was sent on XX/XX/2023 to XXXX. XXXX failed to add remarks to show " customer dispute '' ( 2nd inaccuracy ) {$1000.00} fine. Not only that, they failed to even respond to my dispute of the inaccuracies, and they failed to mark any of my credit reports as disputed as per 611 - 15 U.S.C. 1681i ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. this is another fine of {$1000.00} Lastly, XXXX willing allowed my account to stay inaccurate all this time and has failed to keep my credit accounts accurate as my score depends on this information being true. My score has gone down with all this inaccurate unverified info. They have continued to show an open account with a balance of over {$21000.00} which is ruining my debt to income ration even thought the account has been paid since XX/XX/2023. I can't apply for loans that I need because I this. This is a serious violation as my account is not accurate. This is another violation and {$1000.00} fine. 
total of {$6000.00} in remedy I am due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX  CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, DC XXXX ; XXXX XXXX XXXX Balance XXXX {$3900.00} ; XXXX  XXXX XXXXXXXX Balance : {$530.00} ; XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$20000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I disputed a debt the debt collect witch represent themselves as law firm is in the business of collecting debts. I disputed the validity of the debt and requested specific information to validate the debt. I provided proof of why I disputed the debt and questioned the financial charge they were attempting to collect and asked the collector to validate the debt. I sent my request in writing and return receipt. Proof of that mailing I also requested the collector after XXXX XXXX, 2015 only communicate with my attorney. Provided contact information in that letter of my attorney. As of the filing of this complaint I have receive to demands for payment directly. The letters are carefully crafted to give impression that legal action will be taken but the debt has not been personally review by an attorney. The letterhead represents themselves as attorneys. 

These demands for payment states that I also failed to respond to request for information this is also a false statement. 

I have include copies of both mailing from the collector and my responses to the original claim of the debt. I had to mail them twice be there was refusal to accept my original and it was returned to me. 

I have included scanned copies of the returned mailing both of my letters. This firm has violated the act by communicating directly with after I specifically request them to address there responses to my attorney. 

If you will provide me with an email address or other process to send you copies of following:1 USPS returned receipts2. Copies of USPS receipts that have deliverary tracking numbers3. additional copies of letters sent to collector4. Copies of letters received from collector after my letters requesting they only contact my attorney5. Copies of my letter to my attorney that I requested them to be contacted.
Product: Credit card or prepaid card

I opened an XXXX XXXX account through XXXX earlier this year ( 2018 ). I used the card and my online account says, Youve spent {$1200.00} at XXXX on your XXXX Crefit Card this year, so I should have been upgraded to platinum ( one you reach {$1200.00} ). This comes with additional benefits. I have not been. I spent 25 minutes on the phone with customer service XX/XX/XXXX and 30 minutes on the online chat with customer service on XX/XX/XXXX and spoke with at least 5 different representatives, and they tried to say I had not spent that much at XXXX, even though my account says I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps adding and taking away balances making my credit score change even though there is A ) a freeze on federal student loans and B ) There is a class action lawsuit and borrower defense involved. There should be NO activity on my student loans. The school that I attended ( XXXX XXXX ) has lost their accreditation and is on the verge of closing and I have been trying to fight the loan for a few years now being they were dishonest during orientation stating the credits would transfer to XXXX XXXX  XXXX XXXX and they wouldn't. The reason I asked if the credits would transfer is because at that point in time ( XXXX ) they did not have a XXXX program. They only had medical assisting classes. I wanted to get my degree in XXXX and was unable to because of this. If I chose to go to XXXX XXXX  XXXX XXXX, I would have to take every class over again. This was not fair to the students they lied to to get us to join their college in XXXX, VA. They also lied about job placement and the average income from medical assisting in the area making us believe that they had a contract with doctor offices or hospitals in the area. The most we could get an hour was $ XXXX {$17.00} after paying over {$50000.00} for their classes. This is highway robbery and VERY dishonest.
Product: Debt collection

I keep getting phone calls from phone number : XXXX. They call constantly. I had XXXX calls from them in 4 days. It 's an automated/computer call. They have been calling for a few months now. I did try to call them back 1 time and it went to voicemail. To my knowledge I do n't owe any money that would be under debt collection. I tried to research the company ( XXXX XXXX, or XXXX XXXX, not sure of spelling ) and all I find are reports of scams connected with the phone number.
Product: Mortgage

Had a house fire which resulted in a total loss on XX/XX/XXXX. Insurance company claimed it a total loss in which they sent a check. Called for payoff to Freedom Mortgage explained situation got payoff for {$100000.00} and it was good until XX/XX/XXXX. They sent email where to send payment. I overnighted the insurance ck {$99000.00} and a personal ck {$4000.00} to payoff mortgage to the address listed. It was suppose to arrive on XX/XX/XXXX they said by tracking number they received it on XX/XX/XXXX. I called Freedom Mortgage on Saturday XX/XX/XXXX because I was nervous with the amount of checks and nothing had been posted. I was informed they were sending checks back because they were sent to the wrong place. 
So XXXX XXXX weeks goes by with us calling and asking when they sent these checks back and they said should get them anytime they had already mailed them out. Several attempts to try and get a date they mailed them out. I get on app to check and see if anything new had been sent ect. and long and behold the checks they couldn't accept were there. Deposited. So the amount of one check is in Limbo I guess and the other was put towards XXXX payment with escrow, insurance, and mortgage insurance taken out not only for XXXX but also for XXXX with a payment due in XXXX Now mind you in this process I had sent the adjusters report to Freedom Mortgages loss department. Because it is a total loss. I call Freedom and talk to a young lady who has no clue what to do and is interacting back and forth with supervisor Im assuming. After what seemed like forever Supervisor is irritated and says I'm gon na cut the middle man and is irritated. After XXXX  weeks I was past irritated. I explain to the lady that I am trying to figure out why after they said they couldn't accept checks that my loan wasn't paid off, She got heated. I got past heated and here we go. So she says I'm gon na send you to loss department. You don't get the same ppl and everybody has something different to say or what they need and want to give us a {$40000.00} draw. I explain to her again, this house in a total loss. We dont need money back we need to pay off loan PERIOD!!! They aren't understanding this at all or just want to keep playing a game either way over it!!! So this is where we are after a month of haggling back and forth and what I want from Freedom is to payoff my Mortgage and date it the XX/XX/XXXX when they received the checks.
Product: Money transfer, virtual currency, or money service

Under the oath I told Wells Fargo all XXXX transactions were unauthorized but they kept humiliating me I want all documents on the basis they rejected my claim I want hard copies of documents
Product: Credit card or prepaid card

I have been a Discover Card holder since XX/XX/2007. In that last 12 years I have always made my payments on time and yet Discover has never offered me a lower interest rate. I spoke with them many times and they still say they can't lower my rate. They are charging me an outrageous rate of 24.24 %!! WHY! The Federal Prime Rate is 5.25 % which is even higher than the Federal Funds Rate of 2.25 % Why am I paying 24.24 % interest and going on to 29.9 % interest if I've never had a late payment!!! This is nothing but Predatory Lending to the extreme. I've also noticed that women have higher interest rates than men. Someone should look into that as well. I demand an explanation.
Product: Debt collection

Asked for validation of debts and Financial Recoveries does not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed the credit reporting agencies there has been identity fraud done against me. It is against the law to report any fraudulent information towards my credit report. The law states all information reported should be accurate. This affecting my life and me providing for my children, this has dropped my credit XXXX points. I have no dealings with XXXX XXXX XXXX XXXX XXXX there are other items that are on my credit report that are reporting fraudulently. I demand immediate removal, as I'm prepared to file a lawsuit if nothing is done about this immediately. 

Following account was fraudulently opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened date : XXXX XXXX account type : collection original balance : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX : XXXX SS # XXXX Dispute of Inaccurate Information Under 12 CFR 1006.34 ( b ) ( 5 ) and FCRA 15 USC 1681 To Whom It May Concern, I am writing to dispute inaccurate information that appears on my credit report. This dispute is made pursuant to my rights under 12 CFR 1006.34 ( b ) ( 5 ) and the Fair Credit Reporting Act ( FCRA ), 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX Date Opened : XX/XX/year> Balance {$0.00} This information is inaccurate and Must be deleted at once. 



Request for Action : - **Immediate Investigation Deletion : I request that you conduct a thorough investigation into this matter and correct the inaccurate information on my credit report.

- **Written Confirmation** : Please provide me with a written confirmation of the completion of your investigation and the results.

- **Updated Credit Report** : Send me an updated copy of my credit report reflecting the corrected information.

Legal References : - **12 CFR 1006.34 ( b ) ( 5 ) ** : This section outlines the requirements for the accuracy and completeness of information reported by debt collectors.

- **FCRA 15 USC 1681** : The Fair Credit Reporting Act ensures consumers ' rights to dispute and correct inaccurate information on their credit reports.

Please address this matter promptly. Failure to correct the inaccurate information may result in further action to enforce my rights under the FCRA and other applicable laws.
Product: Vehicle loan or lease

In XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. The lender at the time was Condor Capital who was later shut down by a court in N.Y. for fraud. I had full gap insurance included in the bill of sale which covered loss of employment. Roughly six month after purchase, I lost my job and couldn't afford my monthly installments and the vehicle was repossessed. At this point the debt was relieved by the gap insurance and I no longer assumed the burden of the loan. I then moved abroad to XXXX and lived there for the next six years. During that time, apparently I was taken to court via XXXX XXXX and never received the warrant for debt as I was living abroad prior and during that being issued. I filed a complaint with the credit reporting agency that this collection was invalid and they removed it from my credit file. Seven years later in XXXX, XXXX XXXX XXXX wrongfully placed a lien on all bank accounts and withdrew about {$380.00} from my bank account prior to the most recent court hearing. Six months passed after speaking me and XXXX is still trying to pursue this invalid debt upon stating to him that I had full gap insurance that covered the vehicle.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three  credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX open CCB/ELDORADO XXXX XXXX XXXX XXXX XXXX XXXX XXXX CCB/ALPCOS XXXX XXXX XXXX XXXX MB FIN SVCS XXXX REPUBLIC/NC XX/XX/XXXX REPUBLIC/NC XX/XX/XXXX XXXX XXXX XX/XX/XXXX PREMIER XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX TRUCK GROU XX/XX/XXXX ZOOT/DAIMLER XXXX XX/XX/XXXX PRTRUKAMAR XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

This company is charging us a fee of {$20.00} for inactivity on the account. We notified them that we would like to close the account but they have not done so and are still attempting to collect a fee.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFO for XXXX XXXX XXXX XXXX received payment for all the account stated below. 


XXXX XXXX XXXX XXXX  ending in XXXX XXXX XXXX XXXX ending XXXX Consumer loan-ending in XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX we paid off our citi card credit card balance with the amount of {$1800.00}. We made purchases on XXXX and XXXX to XXXX XXXX XXXX, XXXX, XXXX that totaled {$2100.00}. 

On XX/XX/XXXX XXXX XXXX  XXXX made {$13000.00} of fraudulent charges on my credit card. It was and still is a nightmare getting these charges removed from my card. There was an investigation opened in XXXX of XXXX. 

I have called monthly to get these charges taken off and they still can not get the amount correct. I owed them {$2100.00}. They have made me keep paying monthly payments and have still not resolved this issue. They are telling me there must be a " glitch '' in their system for crediting all of these charges. The last statement I recieved on XX/XX/XXXX states that I still owe {$2100.00}. This is still not correct. 

The amount I should owe citi card is {$2100.00} less all of the month payment I have made since XXXX of XXXX ( {$1100.00} ). I should not have been charged anything past XX/XX/XXXX. I also do not believe they were supposed to making me pay monthly payment on this account while it was under investigation. The amount I should owe Citi Card to date is {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was notified by Experian that a collection was added to my credit report on XXXX the XXXX, XXXX. The collection company is XXXX XXXX XXXX and they state the original debt belong to XXXX EMERG MED SVCS OF TEXAS for {$460.00}. For starters, this was first time I had heard about this company. I have never done business with this company, had not had any services provided by them or anything of that sort. The collection turned out to be a medical debt, which is already a problem since I have not had any medical services provided to me since XXXX. I contacted Experian on XX/XX/XXXX and disputed the debt. I was told that they would " investigate '' the matter and would take 30 days. The very next day ( XX/XX/XXXX ), I received an update to my dispute stating that they were able to validate the debt, but could not provide me proof that the debt belong to me. I asked Experian how was the debt was " investigated '' and the representative told me that an email was sent to the collection company asking if this debt was true and accurate. When they responded yes, they just took their word for it!! These credit bureaus do nothing to actually validate the debts reported to people 's credit reports. That same day, XX/XX/XXXX, I disputed the debt again. On XX/XX/XXXX, the account was removed from my credit report. But on XX/XX/XXXX, the account was reported again to my credit report. Experian once again told me that the account was validated by sending out any email to the collection agency to ask them if the account was accurate. The credit bureau, both Experian and XXXX  have not provided any proof that this account belongs to me. They won't be able to do so since I know I have not had any medical services provided by anyone. These credit bureaus continue to allow information to post to people 's credit reports without validating the information. Also, with XXXX their online system allows you to dispute addresses and inquiries that should not/or do not belong to the consumer. Twice, I have disputed a couple of addresses and inquiries I did not authorize, and nothing was done ... .not even an update on the disputes!
Product: Debt collection

Debt collector trying to collect for a hospital XX/XX/2010. My husband has never been associated with this hospital for medical. We live far away from XXXX. Collector claims there are XXXX bills totalling less than {$300.00}. My husband is XXXX yrs. old on XXXX and XXXX for Life as an XXXX veteran. We rarely pay out of pocket for medical expenses as are fully covered by his military service. I was phoned this past week by the collector. Friday is the deadline if he does n't pay. We have no idea what the procedure was for or by whom in the hospital. We always pay our bills on time, so perplexed why we were never billed if legitimate. I wo n't pay this without not knowing what it is for itemized. Can you help us in finding out if this is legitimate? We do n't really know what to do without proof. We would gladly pay the bill if we knew what it included. Thanks.
Product: Mortgage

I have been going through foreclosure hearings this year, and it was decided XX/XX/XXXX that the sale date would be XX/XX/XXXX. I was offered a short sale on the property XX/XX/XXXX, and SPS day on their hands, and did nothing up until a few days before the sake date, then it was extended until XX/XX/XXXX, however SPS decided to deny the short sale because of the original sale date. Thus company does n't care what they do to consumers. 4 months of sit ting on a short sale offer, only to deny it because of their own laziness.
Product: Bank account or service

On XXXX XXXX, 2017, I informed Chase my wallet had been stolen with my credit cards, ID and Social Security card inside. After being on the phone for around 30 minutes the conclusion was they would cancel my card, refund amounts charged and send a new card. On XXXX XXXX, 2017, 18 days after reporting the theft, a bank teller at a Chase branch in XXXXXXXX allowed an individual who would have had no knowledge as to my bank account number to withdraw {$1000.00}. I as an individual live in XXXXXXXX and never use the branch to withdraw {$1000.00}. After reporting the theft on XXXX XXXX, 2017, Chase not only accused me of stealing my own money, but blamed me for not changing my bank account number, an option I was never given and frankly did n't believe I needed as nothing in my wallet had my Chase bank account information on it. Chase has informed me I must wait 30 business days while they investigate and I am unable to use MY money, and may NEVER get it back. Until then I will continue to rack up overdraft fees as bills are allowed to go through. If you have any questions please let me know. Thank you.