23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is my XXXX  complaint in regard to Account Resolution Corporations ( ARC ) attempt to collect an insured dental bill from XXXX. My initial dispute was that nearly all of the bill is covered by insurance. Near the end of XX/XX/XXXX, I had a phone conversation with an ARC rep who told me NOT to get insurance documentation ( misleading? ) and that they would contact the insurance company. Instead, they immediately placed derogatory remarks without notice to me. The notices on my credit report appeared to be an attempt to intimidate me, were certainly in bad faith. 
This current ( and XXXX  ) complaint arises from ARC not responding to my last XXXX letters ( attached as documentation ) while maintaining the derogatory remarks on my credit reports. I have sent XXXX letters to resolve the debt and demand removal of the derogatory remarks WITHOUT RESPONSE from ARC. Letters to ARC were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX. ARC has a duty to respond and negotiate this insured medical debt in good faith.
Product: Credit reporting or other personal consumer reports

I am including a copy of the letter submitted to XXXX XXXX, and the response from the company for your review. 

On XX/XX/2023, I contacted XXXX XXXX about increasing my current credit card limit. Over the nearly 10 years I have had the card, I periodically call XXXX XXXX with this request to increase my credit balance, and subsequently, my credit score. During the call, I was told that XXXX XXXX would require certain information, and that depending on the results, a credit report MAY be necessary and that I will be notified if it is needed. I have received the same disclosure each time, XXXX XXXX has never needed nor performed a hard inquiry on my credit report for a credit line increase request. At some point during the process on XX/XX/XXXX, a hard inquiry was performed. I only learned about the hard inquiry after I received a notice from my credit monitoring service. I sent a letter to XXXX XXXX on XX/XX/XXXX, informing them about the hard inquiry and telling them that I never agreed to a hard inquiry on my credit report. 

On XX/XX/XXXX, I received a response letter from XXXX XXXX. The letter, purportedly drafted on the federal banking holiday of XX/XX/XXXX, says that XXXX XXXX determined that the hard inquiry was proper as an " application for an account requires us to review the credit file of the applicants for credit determination. '' I did not apply for an account ; I already had an account. To the extent that XXXX XXXX considers a credit line increase a " application for an account, '' and that a hard inquiry is required whenever a consumer requests a credit line increase, than XXXX XXXX 's chosen language that a credit report " may be necessary '' is deliberately misleading if XXXX XXXX 's position is that it will always be required for such requests. Either way, I did not consent to a hard inquiry and would not have proceeded with the credit line increase request if I had known that it would have results in a hard inquiry.
Product: Debt collection

LJ Ross send a notice on XX/XX/2022 that does not comply with 12 CFR 1006.34 The notice does not include the account number provided by the creditor the purpose of which is to permit the accused debtor to identify the debt per 12 CFR 1006.34 ( c ) ( 2 ) ( iv ). Instead it only includes the optional reference code permitted by 12 CFR 1006.34 ( d ) ( 3 ) ( ii ).

The notice does not include the name of the creditor per 12 CFR 1006.34 ( c ) ( 2 ) ( v ). Instead, the notice provides a name that is not a legal entity under Michigan law. 

For example, while the notice references " XXXX XXXX XXXX XXXX XXXX '' there is no corresponding amount due on the purported creditor 's accounts with XXXX XXXX so the actual creditor must be a different entity than XXXX XXXX proper. 

From the provided information, the purported debtor is unable to identify who the creditor is or any account number to reference in order to attempt to correlate the notice with a statement or creditor. 

The undersigned has been in contact with XXXX XXXX proper for over six months regarding insurance billing errors on the part of XXXX XXXX which have still not been resolved and have been provided representations that until resolved accounts would not be sent to collections. The creditor would provide partial payment for amounts not in dispute, however XXXX XXXX will not allocate payments to certain designated invoices and for that reason the creditor is unable to pay because payments may be applied to disputed amounts.
Product: Credit reporting or other personal consumer reports

I am writing to a file a complaint regarding charge-offs listed on my credit report. These charge offs should be removed from my credit report and any associated negative impact on my credit report. Nordstrom TD Bank Usa the account was closed on XX/XX/XXXX the debt is {$4000.00} and was charged off as a bad debt and canceled by credit grantor, XXXX XXXX XXXX XXXX closed on XXXX XXXX charged off as a bad debt and canceled by credit grantor, the debt is {$2500.00}, XXXX XXXX XXXX XXXX closed XX/XX/XXXX charged off as a bad debt Profit and loss write off the debt {$14000.00}, XXXX XXXX XXXX XXXX closed XX/XX/XXXX canceled by credit grantor, the debt is XXXX. I was not provided with a form 1099-C for the canceled debt, which is mandatory under IRS regulations . This further complicates the situation and highlights the need for a thorough investigation into the accuracy of the reported charge-offs. I am seeking the removal of the charge-offs and any associated negative impact on my credit score.
Product: Credit reporting or other personal consumer reports

I recently received a letter from Transunion for XX/XX/XXXX. NOT completing the FCRA block I have requested several times. I have notified every credit bureau and every authority, govt agency, long ago, complete with Notarized Police Reports, a Fraud report sent to me by the State of MA D.U.A., 6 Court Case Dismissals, copies of my id 's, utility bills showing my address is current, and ALL things that I was asked for several times, ever since ALL Court cases AND ALL RELATED monetary CHARGES/debts, against me were dismissed in Massachusetts Courts due to identity theft, now over 18 months ago. I have also submitted lists of the XXXX  of THOUSANDS of dollars of fraudulent, identity theft related individual monetary charges that ALL came from the same Vendor " XXXX '' across all credit cards that were exposed to fraud and fraudulent charges, these have also already been investigated by several banks and charges overturned in most cases, yet for XXXXXXXX XXXX XXXX and XXXX XXXX XXXXXXXX these fraudulent charges are STILL on my own OLD, long ago charged off credit card accounts on credit bureaus somehow, fraudulent charges that ARE NOT MINE, and have ALSO most importantly have also been completely DISMISSED in Massachusetts Courts over 18 months ago, and yet these fraudulent charges have not yet been overturned by the 2 remaining banks and MOST importantly removed from negative credit bureau reporting?? XXXX XXXX ( 2 accounts ), and XXXX XXXX XXXXXXXX ( 2 accounts ), are still ruining my credit by reporting fraudulent identity theft related debt totals that are INCORRECT, and debts that were DISMISSED in court long ago?? and XXXX XXXX still reports an Account THEY SOLD and reported previously as SOLD long ago, to XXXX XXXX '' which was closed out XX/XX/XXXX as settled by " XXXX XXXX '' and removed from collections reporting and ALL trace of that account was already removed from ALL credit bureaus, why is XXXX XXXX still reporting this and allowed to continue to harm my credit reports? Transunion is well aware of these situations as I have been sending evidence packages repeatedly, The Transunion Credit Bureau should be responsible that they are STILL promoting FALSE information, while I have shown them EXTENSIVE evidence. ALL of this fraudulent reporting needs to be FCRA BLOCKED and removed entirely. These accounts were not only charged off over 4 years ago, ALL had suffered identity theft charges AND, The courts already ruled on this, and removal of these identity theft related, already settled debts, that is what IS REQUIRED to comply with USA and State of Massachusetts consumer protection laws. These accounts had thousands of dollars of fraudulent charges, ( see the long list of fraudulent charges in this package ) PLUS the accounts and litigation ALL Courts cases and associated debts and charges have already been adjudicated and dismissed by the MA State courts long ago. as of early XXXX. This fraudulent info ALL needs to be FCRA Blocked entirely, please.
Product: Mortgage

On XX/XX/, the XXXX  Homeowners Assistance Fund, made a mortgage payment of {$6000.00} on my behalf. However, this payment and subsequent, on time payments, for the last several months was not applied to my loan until XX/XX/, and after, leading to an erroneous notice of loan default and intent to foreclose received on XX/XX/. This mishandling has occurred despite repeated communications with the mortgage servicer to rectify the situation.
Product: Checking or savings account

XXXX lease see attached printout from my US Bank online statement. I authorized XXXX to debit my account {$100.00} which left me just over {$2.00}. POSITIVE. They still charged me {$36.00}. I do not sunderstand how they could charge me if I was positive. I called and asked them to stop the XXXX   payment they said I had to call XXXX. THis did bring me negative and they charged me another {$36.00}. 

THesame thing happened two weeks ago and I had two employees tell me that was a bank error and it happens all the time. They reversed that one. 

I am a single Mom on XXXX. I can not afford this {$72.00} in fees. I am opted out because I do not want to go negative and pay fees.
Product: Credit reporting or other personal consumer reports

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, RE : Request for Compliance- FCRA 15 U.S.C. 1681i Inaccurate information on Credit Report Dear Experian, I am writing to express my concern regarding my recent credit report, and to request your prompt attention to some issues related to a depute I filed with your agency. Upon reviewing my credit report, I have found that certain items have not been properly handles in accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, and I believe these matters require immediate attention. 

As a consumer reporting agency, Experian is required under the FCRA to conduct a reasonable reinvestigation of disputed information and to provide a written notice of the results of the reinvestigation within five business days after completing the investigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ). Unfortunately, it appears that this process was not fully followed in my case. 

Additionally, I believe the following legal obligations have been violated : Failure to forward disputes to furnishers in a timely manner ( 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) ) Failure to conduct a reasonable reinvestigation and provide all relevant information to furnishers ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Failure to implement reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) As a result, I respectfully request that you review the following items and, if applicable, remove them from my credit report, as they do not meet the requirements for accuracy and completeness under FCRA : XXXX XXXX XXXX XXXX XXXX This Account was paid in Full XXXX XXXX XXXXXXXX This Account does not belong to me XXXX. XXXX, XXXX This Account does not belong to me XXXX XXXX This Account does not belong to me XXXX XXXX XXXX This Account does not belong to me XXXX XXXX XXXX This Account does not belong to me XXXX XXXX XXXX XXXX This Account was paid in Full XXXX XXXX XXXX XXXX This Account was paid in Full XXXX XXXX  XXXX This Account was paid in Full XXXX  XXXX XXXX This Account was paid in Full XXXX  XXXX  XXXX This Account was paid in Full Please be aware that, as outlined by the FCRA, if you don not resolve these disputes within the required timeframe, I am entitled to request the deletion of these items from my credit report. I kindly ask for your immediate attention to this matter and that you take the necessary action to resolve these issues in accordance with the law. 

If this matter is not resolved in a timely manner, I may have to consider filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX XXXX XXXX, and the Federal Trade Commission ( FTC ). 

Thank you for your attention to this matter. I look forward to your prompt resolution of these issues. 


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

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. 

XXXX XXXX XXXX, XXXX XXXX XXXX, CREDIT RECOVERY XXXX XXXX XXXX XXXX ONLINE INFORMATION SERVICES 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  has indicated that I owe {$24000.00} since XXXX2005 and it 's impacting my credited. I have never attended college or secure any student loan debt. I have asked them to remove and they in turn sent the debt to collections
Product: Mortgage

Caliber Home Loans failed to pay our annual property taxes for XXXX but all year have been dispersing funds from our escrow account. We received a deliquent tax notice with threats of foreclosure. I provided this information to the Caliber Tax Department via phone and fax on XXXX/XXXX/XXXX. Spoke to supervisor XXXX XXXX who promised to resolve immediately and call me back to update me on the status on XXXX/XXXX/XXXX. It is now XXXX/XXXX/XXXX, I have left 3 message with Supervisor XXXX XXXX with no return phone calls and the Tax Department customer service representatives claim they will have someone call me back but no communication. Currently our escrow account shows that funds have been paid out and the Mortgage Company can not account for nearly {$6000.00} worth of our money paid into the Escrow account but the money is now no longer there but our taxes were not paid.
Product: Credit reporting or other personal consumer reports

I have a problem with my credit score because my payment history is showing 99 %. I've always had 100 % payments. I leased a Genesis back in XX/XX/2021. It was a 36 month lease. I paid every payment on time. I turned in my vehicle because I was leasing a new car with a different brand. At the dealership I asked to pay the disposition fee and any fee they would address. They told me that they had to access and would send me a bill. 

2 months went by and I got nothing. Finally I got a bill in the mail that there was wear and tear and disposition fee was around {$450.00}. My car payment was {$700.00} per month so this was no issue. I logged onto the Hyundai Genesis finance website and there was no place to pay this as it used to be. I called the phone number on the statement and nobody answered. I called over XXXX times, left multiple voicemails and couldn't get anybody. I thought maybe it just didn't load on the website. Another month went by and they sent another statement. Same problem, wasn't on the website and they wouldn't answer the phone. There was no way I could pay. 

Finally after calling well over XXXX times, I called the corporate number on line, got transferred XXXX different times and finally spoke to somebody. They said that I can't pay online and how to process over the phone which is very inconvenient. I did so and paid. Then I get notified that it was reported to credit bureau that I never paid. So I had to call back and they said they were resolve it. Now it has shown for past 3 months on my XXXX XXXX that I'm 99 % and they counted as a late payment even though all payments for lease were paid and this was the disposition fee. Very frustrating process. My XXXX XXXX dropped from XXXX to XXXX and I'm wanting to refinance my home. Very inconvenient. I tried to dispute through XXXX XXXX but no luck there so I don't know what else to do. I called Genesis finance to see if they can change it but somebody is answering. 

I am hoping this can be taken off my credit report and show 100 % and be resolved.
Product: Credit card or prepaid card

Dear SYNCB/TJX COS ; I was shocked when I reviewed my credit report and found late payment on the dates below : I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly COVID-19, and being hospitalized with XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I will get a quote for insurance either I was ineligible or it was way to high. I would always ask what was the reason for this and I always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Could you please remove these items from my report. 

DEPTEDXXXX XXXX {$3600.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$17000.00} XXXX  XXXX XXXX XXXX {$950.00} XXXX XXXX {$660.00} XXXX  XXXX XXXX {$180.00} XXXX  XXXX XXXX {$180.00} XXXX XXXX {$3500.00}
Product: Debt collection

I am writing to formally request your assistance in resolving an issue related to my credit report. Specifically, I have discovered that accounts that were previously deleted from my credit report have now reappeared. I believe this situation may constitute an error and is causing undue harm to my credit profile.

Details of the issue : 1. Deleted Accounts : The accounts in question were previously investigated and deleted from my credit report. This was confirmed by both the credit reporting agencies and the creditors involved. I have included copies of the original deletion notices for your reference. XXXX XXXX XXXX Reappearance of Accounts : Despite these deletions, the same accounts have recently reappeared on my credit report. This has negatively impacted my credit score and could potentially affect my financial standing. XXXX  ( I have no business with them ) 3. Credit Reporting Agencies : The accounts in question have reappeared on my credit reports with the following credit reporting agencies all of them. 

4. Impact on Credit Score : As a result of these erroneous entries, my credit score has suffered a decline. This situation is distressing and has caused me significant stress, especially considering the prior resolution. 

I request that the CFPB investigate this matter promptly. I am seeking to have these accounts permanently removed from my credit report, and for corrective measures to be taken to prevent such an issue from occurring in the future.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXXn XX/XX/XXXX with a balance of {$680.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.