23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They billed for an exact amount and eventually filed a lawsuit for a debt that was paid in XXXX of XXXX and in XXXX of XXXX. We explained several times and produced documents where we paid the medical bill. Now they are going after XXXX and with filing fees and other fees they are now saying {$160.00} for attorney fees as well, for a {$620.00} total. 
Again we paid the debts on XX/XX/2020 and then the XXXX billing on XX/XX/2020. PIF We have wasted an extreme amount of time providing them with this information and because of their poor recording keeping, Trust Financial, XXXX XXXX as well as XXXX XXXX XXXX XXXX are still chasing the original {$160.00} plus now additional fees. 

They are chasing after old debt without double checking their payment records and even after providing they are continuing. We believe due to new rules related to the reporting and collection of medical debt they are wrongfully going after older medical bills against employed debtors. But in this case they have it wrong. 

Furthermore, they served my father at his house and I havent been at that address for over XXXX years and I was mortified at the
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up complaint regarding the issue that I was a victim of identity theft. Once more, according to FCRA Section 605B, which is outlined in 15 U.S.C. 1681c-1, the Credit Reporting Agencies are required to remove and block any items listed on an identity theft report. Please see the ATTACHED documents to assist in the blocking and removing of the inquiries which were being posted to my report. Here is a list of the unauthorized inquiries which have been reported in my credit reports : XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/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
Product: Mortgage

I have requested the forbearance agreement so I can get my mortgage back on track several times. I was told that they would email it to me in 5-7 business days which is really unreasonable for an email in my opinion and then what they sent was a fax of my payoff amount which has nothing to do with the forbearance. I tried calling back today and they said I have to wait again but this is unreasonable, I am trying to close the mortgage out and they know that so they're not giving me the necessary documents.
Product: Checking or savings account

My Cash App account has been closed. Its making me create a new account and my account no longer have exists. I have over {$7000.00} in my account and thats literally my whole savings. I desperately need that money. Please help
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that 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 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
Product: Mortgage

Unable to refinance my high interest mortgage with SunTrust bank for years because SunTrust mortgage made a clerical error on XXXX data and have not made substantial effort to correct the error. Meanwhile I kept paying Sun Trust Bank the high interest mortgage rate.
Product: Debt collection

h & R ACCOUNTS DATE OPENED XXXX. COLLECTION ACCOUNT IS FALSE AND has been on my credit since my daughter was born in XXXX its her medical bill and was given to my ex husband in our divorce. I have tried to make contact with this company several times to get no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed in a lengthy thorough dispute that went ignored by XXXX and Transunion, I also upload the same information using their uploading system. Since the law requires them to respond to my claims and perform a investigation which never occurred, I will file a complaint with them. I have been a victim of identity theft. Please see attached documents that support my claim of identity theft. Please delete the accounts I've outlined in my dispute. The FCRA also states that I have the right to dispute inaccurate and incomplete information. These accounts are inaccurate and fraudulent. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I had no other choice but to escalate this matter and file complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC has not verified the veracity of the information and is using illegally stall tactics. In accordance with the Fair Credit Reporting act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

From Equifax Information Services LLC : Account name : XXXX XXXX XXXX Account Number : XXXX XXXX Account name : XXXX XXXX XXXX Account Number : XXXX XXXX Account name : XXXX XXXX XXXX Account Number : XXXX XXXX Account name : XXXX XXXX Account Number : XXXX XXXX Account name : XXXX XXXX XXXX Account Number : XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally express my concerns regarding Experian 's handling of my recent dispute ( s ). It appears that Experian did not thoroughly investigate the information I contested, contrary to their obligation under the Fair Credit Reporting Act ( FCRA ). 

Upon submitting my dispute, I provided detailed supporting documentation to substantiate my claim. However, the response I received was generic and lacked any indication that my evidence was reviewed or that a proper investigation took place. Additionally, there was no communication seeking clarification or further documentation, which raises doubts about the integrity and diligence of the dispute resolution process. 

Under the FCRA, Experian is required to conduct a reasonable investigation and ensure the accuracy of information reported on my credit file. I believe this standard was not met in my case. I request that Experian re-evaluate my dispute with proper attention and adherence to their legal obligations. 

Please respond to this claim promptly, as I am prepared to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal counsel if necessary.
Product: Debt collection

They put on my credit that I had owe XXXX XXXX XXXX and I didnt attend
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$25000.00} Chargeoff XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance Owed : {$68000.00} Chargeoff
Product: Student loan

I've sent Navient 2 correspondents, and they have yet to send me the requested information. I've asked for this information over the phone, in writing XX/XX/2022, and XX/XX/XXXX XXXX XXXX I have yet to receive the information about my loan. I have also sent the same correspondents to cfpb, XXXX, XXXX, XXXX as a curtesy so that I can get the information needed to verify the information. they have also been calling me three times a day when I have requested, they do not call me and to correspond by written correspondents through the mail.
Product: Mortgage

I started my mortgage in XX/XX/XXXX. I was transferred to NewRez in XX/XX/XXXX. Because of my high amount of equity on my mortgage and perfect payment history on a conventional loan I should be eligible for the removal of an overpriced scam like escrow account. My loan balance is XXXX, and the home is valued between XXXX and XXXX. My income and bank account balance are high, I also have over XXXX in available credit. I meet all criteria including 24 months of successful payment history, yet have been ignored and denied removal of escrow acct over 5 times. My next step will be contacting an attorney and suing the the servicer and loan owner for red lining type of behavior and Predatory lending practices. I need an immediate resolve. My principal is XXXX yet my mortgage is almost XXXX. This is to make things harder, to try to create a negative account in which they can profit off of.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Equifax are not allowing me to access my credit reporting to make updates or dispute actions. 

FCO collections is not mine. I have requested that this be removed. FCO failed to provide me with a contract stating that I owed the debt to XXXX XXXX I provided all parties necessary the legal court order saying I didn't know the money, I only owed attorneys fees. 

The only things that should be on my credit report are the following : XXXX XXXX Accounts : Student Loans : I have all the letters submitted to agencies and the letters requesting verification of debt. Which includes debt with my signature on it agreeing that I owe the debt of obligation. None was provided and I sent a letter to both parties disclaiming the unverified debt. 


All of my credit reports are in accurate. My XXXX Report is the most accurate and the most update.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal dispute regarding Equifaxs mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPBs recent lawsuit highlights systemic issues with Equifaxs handling of consumer disputes, which are directly relevant to my experience. 

I previously disputed the following information on my Equifaxs credit report : XXXX and associates account number XXXX Eastern Account Systems account number XXXX Despite submitting evidence to support my dispute, Equifax failed XXXX conduct a proper investigation. Specifically : 1. Sham Investigations : Equifax failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 

2. Failure to Provide Investigation Results : The response I received from Equifax vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision. 


Potential Improper Reinsertion of Inaccurate Information : I am concern Equifax may have improperly reinserted information I previously disputed and believed to be corrected.

Equifaxs actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice.

CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers.

1. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings.

2. Remove Inaccurate or Unverifiable Information : If Equifax the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately.

3. Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher.

4. Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information.

If Equifax can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA. 

I look forward to receiving a response within 30 days, as required under the FCRA. 

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

I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft but I have ITEMS left that needed to be removed. This is my 5th complaint that I am a victim of identity theft and I submit to dispute these certain items in my file resulting from the crime. Per FCRA section 605 the Credit Bureaus are required to remove any items listed on an ID THEFT REPORT # XXXX. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please REMOVE the reporting of any of these items in my credit file that resulted from an alleged identity theft. Please see the items for REMOVAL below 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 EQUIFAX : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian to remove XXXX late payments that were unlawfully added to my credit report by XXXX XXXX XXXX. When these late payments were added to my account I had received an accommodation from the car finance company due to the impact of COVID. According, to the Cares Act if a lender extends the consumer an accommodation ( deferral of payments ) which I received the lender should only report a current standing. Due to this reporting error my credit has been tremendously impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017, I filed a police report for identity theft. I listed Santander as 1 of the companies that were reporting fraudulently on my credit report. I also sent a copy of an identity theft affidavit along with the police report to the credit bureaus. XXXX  and XXXX removed all the fraudulent accounts including Santander. XXXX did not. I re-sent the identity theft dispute to XXXX and was told that the dispute information was sent to Santander. I recently was told to contact Santander directly, which is what I did. They informed me that a loan was issued in another persons name and SSN. Recently I was told that a family member had stolen my identity. They had gotten this auto loan under another SSN and called Santander in the middle of the loan and gave my information to them which prompted Santander to start reporting the loan under my social security number. I was given an identity theft packet by Santander to complete and notarize which I did and asked for a copy of my Drivers License and SS card. Upon receiving my SS card, they then asked me to sign a XXXX  form to verify my SSN. They are stating that they had every right to change original contract information to my information even though I didn't give it to them and I didn't apply for a loan with them.
Product: Credit reporting or other personal consumer reports

Capital one closed my account because I was victim of fraud in my back account. And I did not informed them that I switch the bank account from where the funds will be withdraw for my credit card payment. Then capital one report that the amount owe is {$650.00}, which is not that account is paid.
Product: Debt collection

Credit Collection Services, XXXX, XXXX, Ma XXXX, XXXX has and continues to send collection letters and phone calls concerning a purported debt to " XXXX XXXX ''. 
There is no debt, but Credit Collection Services has caused damage to our credit and has caused us to pay higher interest rates for the foreseeable future.
Product: Credit card

I had recently got approved for an Destiny MasterCard. I have been awaiting for delivery. I called customer service on XXXX XX/XX/2024 and was told that the card was shipped out on XX/XX/2024 and that I should receive it by XX/XX/XXXX. On XXXX after not seeing the card was in my mailbox, I decided to login to my account and to my surprise, the card was activated and used at XXXX XXXX for {$500.00} even. I don't understand or know how my card could have been activated by someone without my personal information. I immediately called to report the card as stolen because I didn't even receive it. I also file an complaint with the XXXX XXXX and contacted my local police department. I am an new customer and this is the first time this has happened to me dealing with credit card fraud. I now have to wait up to another XXXX  days to receive an new card, and now wait until an investigation is complete before I can recover the fraudulent charge and I have even touched the card. This frustrating and hope that the fraud department can resolve this matter quick. I am willing to press charges against any individual that used my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am the consumer by law and my info was misused and handled without my consent by law isnt legal
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> to XX/XX/year> I lost my job- I contacted Sofi and created an alternative payment agreement. The agreement was that I would pay the interest on the loan, and when I was employed again, I the principal would be recalculated. This is exactly what we did, without hitch. Sofi assured me that they would not report any of these months to the credit bureaus. They have reported all of these as MISSED PAYMENTS to the credit bureaus. Their customer support is completely ineffective, unable to help, unwilling, and my disputes from the credit reporting agencies has went unanswered. They have completely deceived me.
Product: Credit reporting or other personal consumer reports

Transunion has taken over the given 30 days required to provide results to delete US DEPARTMENT of Education accounts # XXXX & XXXX  from my Consumer Files. I've been Disputing these inaccurate accounts all year. They claim that they would delete
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute several fraudulent accounts and collections appearing on my credit reports with XXXX, XXXX, and Experian. The accounts in question include a XXXX XXXX  account ( {$790.00}, reported XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX account XXXX {$0.00}, reported XXXX. XXXX, XXXX ), and a XXXX XXXXXXXX XXXX ( {$870.00}, reported XXXX XXXX, XXXX ). These accounts were not opened or authorized by me, and I believe I am a victim of identity theft. I have already submitted dispute letters to the credit bureaus requesting an investigation and removal of these items. I am seeking the CFPBs assistance to ensure these fraudulent accounts are removed from my credit reports promptly, as they are negatively impacting my credit score and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to see a copy of my credit report from the XXXX XXXX XXXX website. Equifax, XXXX, and XXXX all would not show me my report.
Product: Debt collection

On XX/XX/year>, I sent Portfolio Recovery Associates a certified mail letter, requesting to lift the cease and desist on the purpose of communicating for clarity from here on out. And I also requested to have any and all documents, they have that gives them authorization to be able to collect on the alleged debt, and I have yet to receive a response!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, DEPT OF ED/XXXX Account # XXXX, XXXX XXXX  XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX, XXXX  Account # XXXX, U.S. DEPARTMENT OF EDUCATION Account # XXXX, XXXX Account XXXX XXXX XXXX, US DEPARTMENT OF EDUCATION Account # xxxxxx XXXX, US DEPARTMENT OF EDUCATION Account # xxxxxx XXXX, XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX Account # xxxxxxxxx XXXX, XXXX XXXX XXXX  Account XXXX xxxxxxx XXXX, XXXX XXXX XXXX Account XXXX xxxxxxxx XXXX, XXXXXXXX XXXX XXXX Account XXXX xxxxxx XXXX, XXXX XXXX XXXX Account XXXX xxxxxxxx XXXX, DEPT OF ED/XXXX  Account XXXX xxxxxx XXXX, DEPT OF ED/XXXX  Account # xxxx XXXX, DEPT OF EDXXXX  Account # xxxx XXXX, DEPT OF ED/XXXX Account # xxxxx XXXX, DEPT OF ED/XXXX Account XXXX xxxxx XXXX, XXXX XXXX XXXX Account # xxxxx XXXX, XXXX XXXX XXXX Account # xxxxx XXXX, DEPT OF EDXXXX Account # XXXX XXXX US DEPT OF EDUCATION Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX & XXXX Account # XXXX, XXXX & XXXX Account # XXXX, XXXXXXXX XXXX XXXX XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I was made aware that I have negative report on my credit history from a Debt Collection Agency. I contacted the Debt Collector and they informed me about attempting to collect a debt for XXXX. I told them I don't owe anything to XXXX. My service was canceled on XX/XX/2022, equipment was returned and final payment was made on XX/XX/2022. XXXX continued to generate fraudulent statements after the service was canceled. I asked the Debt Collector to validate the debt but they where not able to do so. In violation to the Fair Credit Reporting Act they made a false report on to my credit history to force me to pay a bill that I don't owe.
Product: Credit card

on XX/XX/year> - I made a payment to my credit card account with Capital One - I was informed in the app that my account was restricted, so I called in and the automated system informed me that the account was closed much to my surprise - My address, phone number nor email have changed, but yet I got no notification prior that the account was being closed. 

On XX/XX/year> Capital one informed me that they never received my deposit to open the account, However, They infact did.
Product: Credit card or prepaid card

I have a chase freedom credit card with the credit line {$12000.00}. I purchased {$6000.00} gift card at the shopping mall on behalf of my company. My company has been reimbursed me month by month, and I have been paying it more than the minimum payment requirement every month. But on XXXX XXXX of this year, I found out my account is closed. With my current salary, I think I can totally pay it off.