23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

MEDICAL DATA SYSTEMS which is a 3rd party debt collector has one again furnished information in my credit report without my full written consent. I don't nor did I ever consent and never will consent to MEDICAL DATA SYSTEMS to access or apply or furnish any records, or Information pertaining to me, XXXX XXXX or any derivatives thereof on XXXX, XXXX and XXXX. 

MEDICAL DATA SYSTEMS or any derivatives thereof or any subsidiaries thereof may not furnish any information of XXXX XXXX in any way on any platform. 

XXXX XXXX and all derivatives thereof is also copyrighted by me and no use of it without my explicit handwritten consent and signature are authorized. 

MEDICAL DATA SYSTEMS clearly has no intention on following the laws mentioned below. 

15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Product: Credit card or prepaid card

I purchased a product from XXXX XXXX for approx. {$600.00} in XX/XX/2020. The item was shipped by XXXX. I was notified by XXXX it was to be delivered on a certain day. I then received an email that the item was delivered, but it actually was not. I called XXXX and told them I never received the item. They said they see that the item was not delivered and provided an investigation number. After a few days, I called back and they acknowledged that the item was lost. They told me to call XXXX XXXX. XXXX XXXX said they were unable to issue a credit as the item was marked " delivered '' in the system, so I should dispute the charge on the credit card. It was a XXXX Visa administered by Elan Financial Services.

I disputed the charge and it was reversed. Several weeks later I received a letter from Elan that XXXX XXXX said the item was delivered, as proved by per the XXXX system, and that I needed to provide a counterclaim. I did so and provided the XXXX investigation number which can be used, per XXXX, to show the item was lost. On the next credit card statement, the {$600.00} charge was reinstated. I called Elan and spoke with XXXX on XX/XX/XXXX. She said that the charge was reinstated because my response letter was received a day late, but they have now reopened the claim and I should see the charge reversed. It was not. I called again on XX/XX/XXXX and spoke with XXXX, as the payment was due the next day. She said that the charge should be reversed, not to make the payment, and someone would call me back in 48 hours. No one did. I called again on XX/XX/XXXX and spoke to XXXX. She said that my claim was denied because it was not received timely and there is nothing they can do. I asked why I was told differently during my previous two discussions and did not receive an answer. Elan is telling me I am responsible to pay for a {$600.00} item that I never received.
Product: Debt collection

They will not email any documentation. They would not speak with other dealership to get a payoff. In my opinion this was all done to keep you in there loan to make money as well as make it difficult to make payments for late fees and repo. I understand that many companies use outsourced for customer reps but this was the absolute worst I have ever experienced. So pay some random person on the phone hundreds of dollars a month and hope it gets to your account. Good luck trying to escalate to a supervisor or another department. They just hang up over and over. They are crooks and XXXX. 
As you can see from their form letter response that they just insert a name they clearly are clueless. They spelled the name of an aggravated customer wrong. Cut and paste is too difficult for them to get right. This company and every employee is completely incompetent
Product: Credit reporting or other personal consumer reports

I am writing to dispute accounts on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these accounts and can not find any permissible purpose under this section that justifies their presence on my credit report. PLEASE DELETE ACCOUNTS XXXX XXXX  ACCOUNT NUMBER XXXX AND XXXX. XXXX XXXX ACCOUNT NUMBER XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently used XXXX law to dipute my student loan that went to collections sometime around XXXX. The company was originally ACS student funding group they sold their operations to CES education services. The problem is XXXX credit report had CES for my loan collection so when XXXX law disputed it as it has been closed since XXXX they removed it from my report no problem. XXXX has the same collection but it is under the parent company ACS who is no longer reachable as they have closed and sold their business so my dispute and collection is still on my XXXX report. I have tried contacting both loan companies and can't find information on either as they both have XXXX down their operations and sold their companies due to lawsuits. I need the dipute finalized and the negative account removed from my credit as it has been over 7 years since it was closed nit to mention they in fact removed it from XXXX XXXX so they should rightfully remove it from XXXX as well.
Product: Mortgage

PNC purchased BBVA Compass Bank I have ( XXXX ) issues that I need the CFPB to me resolve. 

I have been a mortgage holder with BBVA since XX/XX/2015. 
I never once missed a payment or not received statements. 

Once PNC took over the mortgage account, Issue number ( XXXX ) : PNC cancelled ACH off my account causing my payment to go ( 60 ) days late. 

When I was made aware my mortgage was cancelled off my account by viewing my credit report, I called immediately asking how ACH was removed, they stated someone called and cancelled, I advised I never called and cancelled and requested they pull the call because this has adversely affected me, they stated they could not. In that moment on that call I then paid ( XXXX ) months of payments and explained I have been a mortgage holder since 2015 and I have never once been ( XXXX ) days late. 


Issue number ( XXXX ) : I had not received any mortgage statements from PNC bank failing to notify me of account changes or receive statements on the account. 

Per section XXXX Periodic statements for residential mortgage loans. 

Section ( XXXX ) Periodic statements. A servicer of a transaction subject to this section shall provide the consumer, for each billing cycle, a periodic statement meeting the requirements of paragraphs ( b ), ( c ), and ( d ) of this section. 

As well, per section ( b ) Notices of transfer of loan servicing ( XXXX ) Requirement for notice. Except as provided in paragraph ( b ) ( XXXX ) of this section, each transferor servicer and transferee servicer of any mortgage loan shall provide to the borrower a notice of transfer for any assignment, sale, or transfer of the servicing of the mortgage loan. 

Due to PNC & BBVA transition in ownership, their systems failure to communicate and properly merge all account information, I am wrongly affected by : ( XXXX ) having ACH cancelled off my account due to PNC systems not communicating and me not being notified ( XXXX ) not receiving any legal, account or ownership correspondence from PNC. 

I was never notified via mail, phone call or any attempt at all. 

I am requesting ( XXXX ) day lates be removed off all credit bureaus immediately, as this has caused an extreme financial hardship that is due to PNC, not me. 

I have spoke with their escalations team, I have conducted research and found many PNC customers have had issues since the merge of BBVA and PNC and I am not the only XXXX adversely affected. 



Thank you kindly for your help & all of blessings to you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following unauthorized credit inquiries made by the following companies : These inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed Inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C. 1681 Section 604 of The Fair Credit Reporting Act. A copy of all company names have been send on a attachment.
Product: Mortgage

I submitted a payment yesterday XXXX XXXX, 2016 to Loancare from my XXXX and XXXX online banking account ( XXXX ) in the amount of {$2200.00}. My loan number is XXXX. The confirmation number for the payment is XXXX. I checked today both online and on the phone with Loancare and they have no record of having received this payment, and thus the money seems to have disappeared. Under normal circumstances, I would be more patient and wait, but XXXX ) my loan is being transferred from Loancare to XXXX effective tomorrow, XXXX XXXX, 2016 and XXXX ) Loancare has failed to issue a statement reflecting my XXXX XXXX, 2016 payment for {$2200.00} ( see co-pending case # XXXX ). Therefore, I fear that something bad could happen and am very concerned about the whereabouts of the {$2200.00} paid on yesterday XXXX XXXX, 2016.
Product: Credit reporting or other personal consumer reports

JPMCB Card Services made an unauthorized inquiry on my credit report on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached Complaint Number XXXX against XXXX XXXX, copy of XXXX response deleting the late payments, copies of my latest credit report. 

I filed a complaint against XXXX with regards to XXXX account XXXX. XXXX responded dated XX/XX/XXXX that they already submitted a request to all the credit reporting agencies to remove lates reported in between XX/XX/XXXX to XX/XX/XXXX. Despite XXXX sending the request to the bureaus, more than 30 business days had passed, the late payments are still in my report. I am now willing to file a lawsuit against the bureaus and XXXX due to their negligence and none compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : File number XXXX I am writing to show a paper trail and to report the continuance of the violation of my consumer rights. I submitted a previous complaint " XXXX. '' Your company opened a dispute and closed it within 7 days. '' Transunion you are in violation of 15 U.SC. 1681i ( 5 ) ( i ) which prohibits you to report an item without validation of the item. If you don't have proof, you must delete. 

I received a letter that if I have additional proof from the courthouse, then provide the documents. Well, I did, and you and you ignored my letter and documents. You keep treating the documents and letter as a new dispute. 

attached is the letter from the courthouse, proof of identity, and the letter. 
also proof that XXXX and XXXX removed the public record from their records. All 3 companies follow the same laws in accordance with the ( FCRA ) Fair Credit Reporting Act. How are you still able to validate the public record and there is proof from the courthouse, along with proof that the other credit reporting agencies was unable to verify the account?
Product: Credit reporting or other personal consumer reports

I have had multiple hard inquiries on my credit from XXXX XXXXXXXX, where I have never done business. I had made an earlier dispute about this same issue but I guess it didnt do anything because XXXX XXXX is still hard inquiring my credit for no reason whatsoever. Also Im now getting multiple false hard inquiries from JPMCB even though I havent had a credit card with them, or applied for any credit ever with them. I just recently last month ( XX/XX/XXXX ) got an Amazon XXXX credit card which is issued by JPMCB so I would expect one hard inquiry but I have one dated back in XXXX and another one from the XXXX of this year, both of which are completely bogus. I have also noticed soft inquires from XXXX XXXX, EVEN THOUGH I DONT DO BUSINESS WITH THEM. I dont understand how theyre still able to hard inquire my credit after the last dispute I had filed this is ridiculous. I believe someone has to be using my personal information for this to be happening. I have also filed multiple disputes with XXXX for never before seen phone numbers and addresses added to my credit report which is very worrisome for me. I am going to file a police report about this also and see if I might need legal help. I contacted XXXX yesterday and put a fraud alert on my credit and removed the fraudulent credit inquiries. I want to make sure its removed with all three of the credit bureaus, and that this doesnt keep happening. I am attaching a photo my my XXXX dispute results which shows the multiple hard inquiries and personal phone number that I had never seen or authorized.
Product: Debt collection

On XX/XX/year> an account was opened in my name, which wasn't authorized by me due to me being XXXX. There's a balance of XXXX. Ive continued to ask for the proper verification & and documentation from the creditors, which they refused to provide. I was recently released from XXXX & trying to get my life back on track. These accounts has caused so much frustration & hardship on me due to me not being able to do anything.
Product: Student loan

I received an email from a XXXX XXXX at XXXX Pretending to be an agent of the Department of Education. The body of the email reads : Hi this is XXXX XXXX, Im following up regarding your eligibility for student loan forgiveness and we were unable to reach you at your home. It looks like your application is incomplete, and still needs to be submitted before the end of the forbearance deadline. Its urgent that you call to complete your application prior to payments resuming in XXXX. As a reminder all loan statuses qualify even those in default and garnishment. If you could please call your dedicated eligibility counselor at : XXXX, to complete your application, and finalize your enrollment as soon as possible, as benefits are offered on a first come, first serve basis. Please be sure to provide your approval code : XXXX when speaking to your counselor to expedite your call. Thank you, bades zulica _. 
_. 
-. 
- This is an advertisement. XXXX XXXX XXXX # XXXX, XXXX, New Mexico XXXX, get removed from list at : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXXXXXX 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 received a letter in the mail from professional account management LLC dated XX/XX/XXXX on behalf of the city of XXXX. It is a notice with the citation number for a vehicle I do not have any more the issue date is XX/XX/XXXX. I never received a citation up until this notice. The letter states the original citation fee was {$52.00}. The current amount due with a {$90.00} penalty is totaling {$140.00}. I reached out to this company professional account management disputing ever having received a notice as well as the penalties I was told that as of todays date XX/XX/XXXX that there was an additional {$20.00} added to the fee that I was just notified of XX/XX/XXXX. Although the notice says the amount due is XXXX when I called I was told the debt had now invited an additional {$20.00} in less then a month later from the first notice I ever received. for over a year old debt to only have accrued {$90.00} penalty XX/XX/XXXX and for me to be calling XX/XX/XXXX having an additional {$20.00} seems totally illegitimate. I dont mind paying the citation of {$52.00} but since I never got previous notice of his debt up until last month I do not agree with paying {$90.00} nor {$120.00} penalties for notice I never received. on top of the fees being inflated at 150 % of the original cost of the ticket.
Product: Credit card or prepaid card

This is an ongoing problem for which I have complained many times to the company, to no avail. I use a XXXX service ( virtual private network ) to surf the internet, especially for financial translations, like credit cards or online banking. I do not connect to the internet via wi-fi. For all my other online credit card access ( at least 7 other credit cards ), I am able to log into and check my accounts with no problems. I only have a login problem with Citibank. I get a " temporarily down '' error message. The customer service reps say that 's a generic message. On XXXX/XXXX/XXXX, I sent their technical team an email with a screen shot of the error message which also shows that their site is considered a " trusted site '' by my ad blocking software, but they have not responded. I simply do n't understand why I have no problems logging into other credit card accounts using a XXXX, but not Citibank.
Product: Credit reporting or other personal consumer reports

I have a loan with lending club I was put in a hardship program I made the payments like I was told to and the day i made a payment it processed on the day after it was due. They decided to delete my hardship and then proceeded to say i was over XXXX  days late. I made all payments on time. I have paid them all payments they are still reporting that I am late. I tried to talk with them they hang up on me I have not been able to resolve this issue with them nobody at lending club will even speak to you about the situation. I have made all my payments on time, and I have never missed XXXX payment with them.
Product: Credit card

I was phished XX/XX/year> and gave out my credit card number. A few days later my bank notified me about a purchase w my credit card which I had not authorized. I notified my bank of this same day and requested a new credit card. I wrongly assumed bank would reverse charge. But in XXXX bank notified me my debt was in collection agency. I sent a letter disputing the charge. A few days ago bank sent letter saying they found no fraudulent activity. I called bank XX/XX/XXXX and asked to put in another claim. I have always paid my debts on time and up until now had good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has had months to resolve the fraudulent accounts on my credit file that resulted from identity theft, and yet they continue to refuse. There are two accounts on my credit report which are being incorrectly reported to Experian, from a XXXX XXXX XXXX XXXX XXXX XXXX. These are two Credit Cards, Which I never opened. I provided Experian an FTC Law Enforcement Affidavit, Which is signed under perjury explicitly explaining the crime, and the details and times/ dates that the identity theft occurred. I never received a single credit card from XXXX not even once. I advised the company of this, and Experian either tells me they have validated the " information '' With the merchant. Or that the merchant does not know how to contact me. This isn't true as I have already been in touch with XXXX and advised them that both accounts were opened as application fraud, XXXX has reopened the account with several different numbers each time it's the same fraudulent credit card. I did not authorize any accounts to be opened with XXXX. Not in XXXX, and not in XXXX. Both were opened in XXXX of their perspective years. Neither card was authorized, Neither card was used, and neither card did I sign nor agree to open. The accounts are fraudulent, opened using stolen Identification. These were not authorized. They used an email that was found on the dark web. XXXX and Experian refuses to investigate it. Instead keeps siding with their Vendor. This is a crime this is identity theft and they are incorrectly reporting these accounts on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, the following accounts and inquiries were opened or made fraudulently in my name. I am requesting the immediate blocking and deletion of these accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : 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 XXXXXX/XX/XXXX
Product: Debt collection

XXXXXXXX XXXX  / XXXX / {$7200.00} XXXX XXXX XXXX / {$9200.00} XXXXXXXX XXXX / XXXX / {$17000.00} XXXX XXXX / XXXX / {$21000.00} XXXX  / XXXX / {$21000.00} XXXXXXXX XXXX XXXX XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts on my credit report, and I cant understand why this is happening. I always review my credit report carefully, but this time, there were errors that Ive never seen before. I even refreshed the page, hoping it was just a technical glitch, but the accounts didnt disappear. Im begging for a detailed review of the documents Ive submitted so I can stop feeling so helpless about this.