23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company, PMAB, LLC., is repeatedly collecting on and reporting medical bills that are not mine on my credit bureau. Even when removed due to a dispute, they immediately report the amount back on to my credit report with slightly different information as a new debt. There are over 8 collections on my bureaus right. I have requested validation with PMAB directly, and only get a list of amounts that mimic the bureaus. Nothing itemized, and nothing that says where they came from. I have disputed these with the bureaus and they will automatically be removed. Within a month or so, they are reported right back. I have tried contacting the medical facilities directly, and my social and birthdate does not match ANY of the bills. These are not mine. I have no reasons or procedures that would result in these bills, and these are not my medical care providers. There seems to be nothing I can do. They continuously re-report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a dispute for unidentified items on my credit report for the following : XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Also filing a dispute for unidentified inquiries on my credit report as well for the following : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. from my credit report. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Product: Credit card

I got contacted by XXXX initially on XX/XX/XXXX. They said they would work on XXXX pages of existing website, do much XXXX, get sales, source codes, key words, get ranking and search engine optimization ( SEO ) all that for a fee and {$50.00} per month. The representative was very persuasive and said I needed their services in order to my online business be successful and make money. I ended up paying a total of {$5000.00} on my BOA credit card. I am disputing my charges because I was told I have 538 days. The charges were done between XX/XX/XXXX and XX/XX/XXXX. I would like to dispute all charges made by XXXX. This company took advantage of me and did not fulfill with their promises. I tried to contact them and resolve with them but never got a response. I would like Bank of America to investigate this merchant.
Product: Money transfer, virtual currency, or money service

My virtual currency account is locked on the Coinbase.com platform. When I submit an ID I am told " unable to verify identity '' on their website. Have been trying to get the company to resolve this issue for over a month now with no luck using their " customer support '' email address, which is their only way to resolve customer support issues. My funds are now being held and I am unable to access them, or withdraw funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

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

I never was late in XXXX and XX/XX/2023 ACCOUNT XXXX XXXX XXXX XXXX XXXX per XXXX XXXX XXXX ( XXXX ) I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding the late account reporting on my credit report for the months of XXXX and XX/XX/2023. Pursuant to the Fair Credit Reporting Act ( FCRA ), I believe that this reporting violates my rights under 15 USC 1681i ( 5 ). I have reviewed my credit report, and it has come to my attention that the above-mentioned creditor has reported my account as late for the months of XXXX, XXXX, and XX/XX/2023. However, I would like to assert that this reporting is inaccurate and is adversely affecting my creditworthiness and financial standing. Under 15 USC 1681i ( 5 ) of the FCRA, I have the right to dispute any inaccurate information that is being reported by a credit reporting agency. I am hereby requesting an investigation into the accuracy of the late account reporting for XXXX and XX/XX/2023. My reasons for disputing this information are as follows : I kindly request that you conduct a thorough investigation into this matter as soon as possible and make the necessary corrections to my credit report if it is determined that the late account reporting is indeed inaccurate. Additionally, I request that you inform me of the results of your investigation in writing and provide me with a copy of my updated credit report once the necessary corrections have been made. Please consider this letter as a formal request to initiate the dispute process under XXXX XXXX XXXX ( XXXX ). I understand that you have 5 days to complete your investigation, and I look forward to a prompt resolution of this matter. Thank you for your attention to this dispute. I am hopeful that the CFPB will help ensure the accuracy of my credit report and protect my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts 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. 



XXXX XXXX XXXX Account # XXXX Original creditor : XXXX FS XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX  - XX/XX/year>
Product: Payday loan, title loan, or personal loan

The Pentagon Federal Credit Union Foundation aka Pentagon Federal Credit or PenFed Credit Union is reporting inaccurate, erroneous, misleading information on my consumer reports which is defaming my character and keeping me from accessing new capital. 

They have reported late payments they refuse to remove from my consumer reports. Even though they updated my account to show the account is not past due. They also failed to remove late payment charges and fees totaling {$120.00} from the account. 

I sent them a second billing error dispute letter that they ignored. PenFed is continuing to willfully and intentionally adversely affect my consumer reports. I am demanding the CFPB intervene and require they fix these billing errors.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX/COMENITY/MYPOINTSRWD Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Our Condo HOA provided TV via XXXX as part of our association dues. So I used XXXX for my internet service needs for a couple years at a flat rate of XXXX XXXX  month. XXXX lost the contract with the association, In an effort to retain business, kept the flat rate of {$40.00} for internet services, as each unit paid that themselves. This continued for many months until XX/XX/2020. My XXXX bill went from {$40.00} to {$58.00} but it was already hooked up and working so I remained a customer. In XX/XX/2020 the rate jumped to {$180.00}? I called XXXX assuming there was a mistake for the rate to increase almost five times? Nope. So I cancelled. XXXX stated that I COULDN'T CANCEL? They stated that I had to give 30 days notice from my billing date, meaning I was responsible for this new rate now for almost 7 weeks. I pushed back and said I was cancelling IMMEDIATELY ( obviously - who pays 5 times more for the same service? ) as I was not under any type of agreement or contract. I stated I would pay them the pro-rated share for the less than 10 days of service at the agreed upon rate, but they refused to send me a corrected bill. I cancelled their services in my mind that day, and I returned their equipment. I had XXXX XXXX services installed the next day through their Internet Essentials Program for low income households receiving Medicaid and Food Stamps, and have XXXX to this day. XXXX can not BACK DATE charges and can't continue to bill me for services not rendered, especially since I had no contract. I do owe XXXX appr. {$19.00} and will pay it once they send me a corrected final bill.
Product: Checking or savings account

XXXX XXXX, ( Netspend ) a subsidiary of XXXX withholding around XXXX USD. I called to close the account and the next day they created a fraud block and told me I needed to send in documents like SS card, ID, and proof of address. None of my proof of address documents would be accepted and they wanted documents from my old address on file. They would not accept documents for my new address which I had changed to prior to closing the account with the representative. I do not receive mail at that address anymore obviously and can not receive mail there. They do not care. They told me it's the only way to access my money. 

This company is negligent and outright unconcerned with customers wanting to access their money. They fail to do simple tasks such as fulfill a change of address prior to account closure, they fail to provide reasonable customer support in response to their failures, they start a fraud block on an account due to a closure request, so I can't even access my money now.
Product: Credit reporting or other personal consumer reports

I am formally requesting that you include the following Fraudulent Items to be removed from the Credit report. 
XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX/ XXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXX. XXXX Balance : {$9900.00} XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX XXXX  XXXX Balance : {$820.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00} - XXXX XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$33000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was doing my regularly credit report check and noticed that there was a strange account from XXXX XXXX XXXX XXXX on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The account was opened XX/XX/2022 ( 1 yrs, 2 mos ) and shows as open. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent under Section 609 of the FCRA. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information.
Product: Credit reporting or other personal consumer reports

By the IRS standards after you receive a 1099C from the company, it is then considered income due to it being considered income income is personal I have the option to opt out of having any personal information shared with a non-affiliated third-party or any personal information shared. Although this account is closed, it is still being reported on my credit report. I would like this account removed immediately due to it not being considered debt but income instead.. also, Im sure you havent checked with the creditor if I have any signed contracts or is the creditor gave me the option to opt out of having information shared, I will take further action if there were requirements or not meant, and the rules of the laws are not followed. I would like this removed or for my credit report immediately thank you.
Product: Debt collection

I had no acknowledgment of account. I have disputed it over and over even just gave up and tried to just pay with XXXX to get it off my reports. Its bringing my score way down cause now they charged it off and now it is showing late payments or deliquient. I 'm just trying to survive and trying my very best to build my credit. I had Insurance but never was ask for a payment anywhere I seek care unless I owe a co pay. I have n't heard of these people and I have got some deleted from one of the credit bureas. Jobs look at credit just as well as banks. I cant even get a loan to get out of high interest I 'm paying cause my score aint good enough for the bank and I bank with them. I 'm 100 % on time with payments I just would like to have a relationship with my bank for a lower interest rate than I 'm paying.but those XXXX charge off is killing my score. I just wish I could find some help to get them off. I 'm scared and hard to trust people that say they can get them off for XXXX I was told long time ago after paying a XXXX dollars to help get anything removed from my ex and told me all I had to do was go to the bank ask to borrow XXXX dollars and leave it in there and just pay the payment after six months after I handwriiten letters envelope and stamp with sign receipt of it to all the creditors so I did nothing happen after I did all that and went to the bank and told them what I was told from a lawyer I paid to help me get it cleared up they said they ai n't sure why he told you that but we ca n't do that. I just do n't know what to do. I want to start a XXXX out of my home and build accounts and grow but I do n't even know if I 'm able to try that. please help anything advice, whatever. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S. Code 1681After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

I contacted LexisNexis to dispute the incorrect information on my report that was listed on my consumer report. I disputed XXXX items, XXXX of which was my education on my report. LexisNexis initially stated I went to XXXX XXXX  as an XXXX XXXX. I never attended XXXX XXXX  nor earned my XXXX XXXX XXXX from XXXX XXXX. I earned a XXXX XXXX XXXX with an XXXX  degree in XXXX XXXX  XXXX XXXX XXXX  and XXXX  with a XXXX  XXXX  in XXXX  from XXXX XXXX XXXXXXXX in XXXX. In addition to earning a XXXX XXXX XXXX from XXXX XXXX XXXXXXXX, I earned a XXXX XXXX XXXXXXXX XXXX in XXXX and a XXXX XXXX XXXX XXXX  with a concentration in Higher Education from the XXXX  XXXX XXXX XXXX in XXXX XXXX, XXXX, in XXXX. Then, I earned a XXXX XXXX XXXX in XXXX with a concentration in XXXX XXXX in XXXX. I went to the XXXX XXXX XXXX, a database with academic records, to ensure all three institutions recorded my education records. I paid {$XXXX} to verify this information, and my education records were successfully verified through XXXX XXXX XXXX. I provided LexisNexis with the necessary documentation to update my record, and LexisNexis told me in their report of the dispute that the information of my education record was unverifiable dispute providing them with the documentation to update my education record on my consumer report which was used from my background check. I received a phone from a customer representative name XXXX, an email, and mail notice stating that the request could not be investigated nor completed because my identity could not be verified. I submitted my identification documents as requested but stated I had to resubmit a dispute. I am refiling my complaint against company because they are trying to avoid the errors they made. I am submitting my identity documents, verification letters, school transcripts and documentations from XXXX XXXX XXXX verifying my education records from each institution I earned my XXXX XXXX and XXXX XXXX XXXX from the years XXXX to XXXX
Product: Debt collection

Recently, our mortgage account was transferred from XXXX XXXX XXXX XXXX to Caliber Home Loans. Caliber Home Loans have rejected our payment claiming that the amount due is {$45000.00}. We entered into a contract with previous servicer and is therefore binding. I have attached the repayment agreement on which i have abided by terms under the new contract. The contract states the repayment plan expires on XX/XX/XXXX, yet caliber Home Loans are requesting an amount the does not comply with our contract. Caliber Home Loans have engaged in Floridas deceptive business practices. The servicer continues to deny that such contract exist and moving forward with the foreclosure action. On XX/XX/XXXX, i have been making payments timely accordantly to the contract, however the foreclosure case was never dismissed. When a defendants enters into a repayment plan the foreclosure action must be dismiss because the defendants have entered into a loss mitigation agreement with servicer. The foreclosure action has not been dismissed and Caliber is seeking a sale date yet i have been making timely payments since XX/XX/XXXX. We ask the Consumer Financial Protection investigate this matter, it is clear on its face that Caiber Home Loans have engaged in Fraudulent banking and business practices.
Product: Student loan

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, GA XXXX XX/XX/year> Navient Finance Service XXXX XXXX XXXX, XXXX, PA CERTIFIED MAIL, RETURN RECEIPT Account : XXXX Tuition Answer To Whom it may concern : I am sending this letter in regard to the servicer referenced above to inform you all that I am disputing this debt. This account isnt mine, that isnt my name, date of birth, social security number, school or address. 

Navient, please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because the account is fraud. Since I am disputing this debt in question, please remove this report it to the three credit reporting agencies. I am requesting that you please contact the three credit reporting agencies, letting them know the debt is disputed, and kindly ask them to delete it from my credit report. As you are aware, reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Lastly, please make notice that I do not wish to receive further telephone calls or letters, harassing me concerning this debt that is inaccurate. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). Thank you for your quick attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I am supposed to receive an interest rate reduction when I sign up for autopay. 

I signed up for autopsy on XX/XX/XXXX. My application hasnt been processed yet. 

I reached out to check the status in XXXX and was told it wasnt processed yet. When I looked on my account it said that the first auto payment was scheduled for XX/XX/28. 

I checked back and now it says the first auto payment is slated for XX/XX/28. I reached out again and havent received a response. 

In the interim, they have been charging me the higher interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Equifax Credit bureau has failed to respond to the removal of the erroneous information about my inquiry. Sending them the last complaint, dated from XX/XX/XXXX to the present, I have not received any response up to this date. On the other hand, inaccuracies about my Inquiry are continuously reported on my Credit Report. Therefore, Equifax failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned Inquiry that is still reporting on my reports : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXXDate of Inquiry XX/XX/XXXX