23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I disputed several entries on my Equifax credit report that falsely shows I owe XXXX XXXX Hospital the following amounts recorded as ( 1 ) AMT {$360.00} BAL {$500.00} UNPAID XXXX XX/XX/XXXX COLL XX/XX/XXXX ; ( 2 ) AMT {$540.00} BAL {$800.00} UNPAID XXXX XX/XX/XXXX COLL XX/XX/XXXX ; ( 3 ) AMT {$210.00} BAL {$280.00} UNPAID XXXX XX/XX/XXXX COLL XX/XX/XXXX. Upon my dispute the credit collection agency, XXXX XXXX , XXXX d/b/a XXXX XXXX, sent me documents supposedly supporting their collection activity, but out of XXXX invoices sent me XXXX show {$0.00} owed. 

I am a 23 year XXXX veteran. I have a service connected XXXX and at all relevant times was validly enrolled in the VA Healthcare System. As you know, VA pays 100 % of all hospital charges that they approve, since I have no other health insurance. Obviously, the unpaid balances derived from the VA refusing to pay for overcharges or inflated billing by XXXX XXXX Hospital/XXXX XXXX XXXX. 
By letters dated XX/XX/2017 I demanded XXXX XXXX, Equifax, and XXXX XXXX stop their false reporting, but to date they have refused to do so. I request you investigate and sanction these XXXX offending parties. Their actions are no way to treat a veteran.. 
Thank you for your assistance in this matter. 
XXXX XXXX XXXX, XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX, Montana XXXX XXXX XXXXXXXXXXXX
Product: Debt collection

I am writing to formally dispute the validity of a collection account that has been reported on my credit report by Experian. The account details are as follows : Alleged Creditor : XXXX XXXX Account Number : XXXX Open Date : XX/XX/2023 Amount of Alleged Debt : {$7200.00} I hereby refuse to acknowledge or pay this alleged debt until proper validation has been provided. I request immediate cessation of all inaccurate reportings regarding this account. 

As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt.
Product: Credit card

My card was stolen and they got it wrong my card was stolen and some one use it with out my permission and use all my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CB/XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft DSNB XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft CB/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number  : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX  Account Number : XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine. 

14. Identity Theft CB/XXXX  Account Number : XXXX This is not mine. 

15. Identity Theft CB/XXXX Account Number : XXXX This is not mine. 

16. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

17. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

18. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

19. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

21. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

To whom it may concern, I have a XXXX XXXX account that's charged off on my report that doesn't belong to me. I have no knowledge of the account and when I ask them to prove to me that it's my account, they're unable to but yet they still won't delete it from my report. I have spoken to the credit bureaus several times and normally when I call XXXX XXXX, I'm unable to speak with someone. I even hired a credit repair specialist to get the account removed and still, nothing! Recently a representative from Collection Bureau Hudson Valley called to speak with me regarding the account and I told them that I have no knowledge of the account. He stated that I needed to mail or email them a letter stating this and told me that emailing the company will get me a quicker response. I emailed the company on XX/XX/XXXX and still has not heard anything back regarding this matter. Per my credit report, the account was opened XX/XX/XXXX and charged off XX/XX/XXXX with a past due balance of {$120.00} and a total balance of {$280.00}. No payments has ever been made on the account because I do not believe in paying for anything that I'm not responsible for. It would be greatly appreciated if this matter can be handled as soon as possible. 

Thank you in advance, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I directly disputed these accounts through 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
Product: Student loan

Application for Income Driven Repayment plan ( SAVE plan ) submitted by this writer on XX/XX/XXXX via studentaid.gov. Repayment plan was calculated at $ XXXX. I currently have loans held with two separate federal student loan servicers. One being XXXX and the other servicer being MOHELA. XXXX was processed and accepted immediately however the MOHELA status for my XXXX form still shows as processing now with a payment of $ XXXX. Placed call to MOHELA on XX/XX/XXXX for a status update and why forms are still showing as processing. Advised the call center representative that the IDR form had been submitted months prior and was then transferred to a supervisor for additional assistance. Loan was then placed in administrative forbearance while stating that IDR forms would be processed within 15 business days. Additional correspondence was then received on XX/XX/XXXX stating that a recent request was received and it is expected your pending request will be processed within the next 90 business days.
Product: Credit card

THIS IS A NEW COMPLAINT WITH NEW INFORMATION. In XXXX Discover received a payment on a credit card ending XXXX. They have not received any payments on this account since. They charged off the account in XXXX. They may have statements showing I was an authorized user on the account. When they charged off the account they started to report the delinquent account to my credit report. When I asked them to prove I guaranteed the account they show statements showing I was an authorized user. When I ask them to remove it from my credit report they claim it is reporting correctly even though they have yet to send me proof the account was guaranteed by me. I have been a Texas resident since XXXX. I can show my tax returns showing I have paid taxes as a Texas resident since XXXX. If they do have documentation showing I guaranteed it, which they have yet to send me, this account was still out of the Texas statue of limitations in XXXX. They still show a balance as being collectible against me on my XXXX and XXXX credit reports but put " consumer disputes '' and claim that makes it correct.
Product: Student loan

I tried to enter into an income driven repayment plan XXXX separate times and both times Nelnet managed the applications inappropriately. The first time an application was filed on studentloans.gov on XXXX XXXX, 2016. This was a joint IDR application with my husband. Nelnet later claimed they could n't see the application when they were contacted on XXXX XXXX, 2016. During the call on XXXX XXXX, 2016 the collector never mentioned the possibility of an administrative forbearance on the accounts so that they would n't be reported to the credit bureaus.A paper copy of the application was sent to them through the mail on approximately XXXX XXXX, 2016. 
They also claimed they never received that application when they were contacted on XXXX XXXX, 2016. Only after checking my credit report on XXXX XXXX, 2016 and seeing they had reported me as being over 90 days late on my loan payments did I realize they had n't processed the IDR application. When they were contacted on XXXX XXXX, 2016 a collector named XXXX stated that they had never processed the application. He said that if the application was resent it could take them 3-4 weeks to process it through their processing center. When a supervisor ( XXXX ) was spoken to he claimed that they attempted to call me on XXXX XXXX, 2016 but the number came back as disconnected or incorrect so it was removed from the account. The number they tried had just been added onto the account on XXXX XXXX, 2016 when the initial call to Nelnet was made. They claimed it was n't their fault since they had n't been given current information even though they had received that number only 2 days prior to the call. XXXX also claimed that mail had been sent to the address on file sometime in early XXXX and it was returned to them. The address they sent the mail to was valid at the time they sent it and continues to be valid today. 
After removing the good phone number and address from the account XXXX states they then performed a skip trace that provided them with incorrect information for the account. 
XXXX and XXXX both stated that they first reported the accounts to the credit bureaus on XXXX XXXX, 2016. This means if they had actually made contact using the valid information they had been provided this situation would have been able to be remedied at some time before the negative credit reporting. The decrease in XXXX score related to this situation was XXXX points. I have done my due diligence to use the programs that were created to assist those needing help paying student loan debt. Had Nelnet acted more appropriately they would have been able to avoid this entire situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

unable to retrieve my files. They constantly told me they didn't accept my identifications despite the fact that I am not a US resident and I do not possess any US-issued IDs They never attempted to reach out to me to ask for another supplementary IDs. Always a canned response no disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid this account off in full and gave submitted A dispute with both XXXX and XXXX to advise them this account should reflect closed with A XXXX balance however, both companies have failed to update the information. I have attached A letter from the company as proof of XXXX balance and closed account.
Product: Mortgage

I applied for a HELOC in late XX/XX/2024. ThirdFederal moved swiftly through my processing and returned a decision to deny around XXXX. I sent the following email on XX/XX/XXXX and have not received any reply as of today, XX/XX/XXXX : Hello XXXX I am not sure to whom in your organization I should send my reaction to the decision on my application; so I am sending it to you. You may forward it to the appropriate authority or send me their contact. I most particularly would like your underwriter to get a copy. 

While I am not desperate for approval, I find the decision to be unfair and does not reflect well on ThirdFederal. The rationale was " income insufficient for amount of credit requested ''.

This application was for a HELOC. The collateral property appraised for more than 150 % of the requested credit. Lender would have first lien on said property if the credit were to be approved. Applicant has no debt of any sort with a stellar credit score and a long history of responsible credit utilization. 

And now to base a rejection on insufficient income without even asking for additional assets? Even if that was the right factor, does said income qualify for any amount of credit? {$100.00}? {$1000.00}? {$100000.00}? If yes, why not consider a lesser amount? If no, how so? And by the way, how about ThirdFederal running this application by at least one more underwriter? 

I need answers to those questions to be convinced that the decision to reject my application was made in good faith. 

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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have identified to be inaccurate : XXXX XXXX # # # # # # # XXXX ; XXXX XXXX XX/XX/XXXX # # # # # XXXX.
Product: Checking or savings account

I recieved a debit card in the mail from Chime ( XXXX XXXX XXXX XXXX FDIC ), I did not open a bank account with this company nor did I request a card. 

I called them and requested that my account be immediately closed, provided them the card number on the card they sent to me- they requested my personal information which I would not provide, they said they could not help me unless I provided it. 

It appears either this company is a scam or they are enabling fraudsters to steal personal information.
Product: Debt collection

On XX/XX/XXXX, I paid my XXXX chargecard in person in the amount of {$1500.00} by cashiers check drawn on XXXX which was the payoff amount provided by the XXXX customer service representative to the XXXX representative. While inside the XXXX I asked the representative for a pair of scissors and I immediately cut the XXXX chargecard up. I received a statement in XX/XX/XXXX and then another statement in XX/XX/XXXX with a balance. On XX/XX/XXXX I wrote XXXX and advised them that I had paid my account in full and I was unsure as to why I was receiving statements dated XX/XX/XXXX and then again on XX/XX/XXXX stating that I was past due on my account. On XX/XX/XXXX, I received a letter from Credit Control LLC which stated that my account had been placed with their company for collection. I informed Credit Control LLC that my company was a victim of cyber-intusion in XX/XX/XXXX and that I was provided with a year of credit monitoring. Then I was a victim of bank credit card fraud while banking with XXXX in XX/XX/XXXX/XX/XX/XXXX. When I filed the paperwork with XXXX for reimbursement of the unauthorized transaction, I was advised to call the local police, which I did and made a police report and to also call the FTC to notify them of the incident so that a special alert of instruction would be placed on my credit file. I wrote Credit Control , LLC on XX/XX/XXXX advising them that I was disputing the validity of the balance of {$1700.00} on my XXXX account number. I provided Credit Control LLC with the same information that I had mailed to XXXX. I then received a letter from Credit Control LLC shortly thereafter stating that my account had been discharged. Then in XX/XX/XXXX I began to receive letters again from Credit Control LLC advising me that I was being held responsible for the unpaid balance on the XXXX credit account. 
Upon further review of the letters from Credit Control , LLC, letters dated in XX/XX/XXXX were from the Creditor : XXXX and then the letters that I began receiving in XX/XX/XXXX from Credit Control , LLC are from Creditor XXXX for XXXX. 

It is my contention that I did not make the charges listed on the XXXX account and that I should not be held responsible for them. I also believe that it is possible that from the time period of XX/XX/XXXX up through XX/XX/XXXX, that somehow my account payment was not posted to my account. However without actually having copies of the XXXX account statements from XX/XX/XXXX through XX/XX/XXXX, I can not substantiate my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX  with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX with account XXXX XXXX, XXXX XXXX  with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX and XXXX XXXX with account number XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 
However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 
I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 
If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. 
Thank you for your attention to this matter.
Product: Credit reporting

I have repeatedly disputed an account listed on my credit report as not being my account. After submitting numerous requests to XXXX XXXX for validation of the debt without response, I disputed the account with Experian. Experian supposedly investigated it and came back and said that proper validation was provided to them. I have requested a description of how the investigation was conducted along with the business name, address and telephone number of the source of information. I have requested this information more than once and they will not provide it. Experian is bonded by the State of Texas and they are required to remove any and all invalidated debts. They are refusing to do so and are refusing to provided the written documentation showing this debt has been properly validated. They are violating my rights and I will not allow it to continue. Do your job and remove this invalidated debt. YOU ARE REQUIRED UNDER THE LAW TO DO SO. In fact, XXXX XXXX has now closed this account because they recognize they can not validate it. Obviously, Experian is not doing their job and has not been able to validate the debt. This is not my debt and must be removed. I asked to see said documentation containing my signature since I would have had to sign a lease ( this is a collection account for an apartment complex ). I did not enter into any lease agreement with that apartment complex. HOW CAN IT BE VALIDATED IF YOU HAVE NO DOCUMENTATION CONTAINING MY SIGNATURE?? Experian will not remove this account even though it has not been able to properly validate it as being my debt. My next step will be file a complaint with the Federal Trade Commission regarding Experian 's unethical and improper reporting activities. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXX  Balance : {$780.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3300.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

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 an account without my written instructions. 

National Credit Adjusters was opened as a result of identity theft. I have placed a fraud alert on my credit reports and filed an identity theft report. I sent a dispute with my identity theft report to all three bureaus. I have attached the tracking numbers to my letters and the identity theft report.
Product: Checking or savings account

Cash app closed my account and I havent did anything wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported inaccurate information on my Experian credit report. 

Experian is in violation of FCRA rules section 1681 *Inaccurate, information includes, inaccurate date of last activity, misleading payment history, *Inaccurate or misleading outstanding balance *Wrong address and name of which credit was applied to, all violation of FCRA rules
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX L XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX