23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Transunion failed to address my concerns in a timely manner. They are claiming that I am working with a credit repair company when I am a victim of identity theft. I need for all of these companies to comply with credit reporting act and comply. I am resubmitting my identity theft report along with my ID so that the changes can take place within 5 business days of this complaint. You are preventing me from employment because of the fraudulent information that's on my reports that you can not verify with any of my physical signatures.
Product: Debt collection

Received a letter from this collecting agency - MiraMed Revenue Group dated on XX/XX/XXXX ( but I was abroad for vacation so I did not receive this letter until XX/XX/XXXX ). The letter tried to collect a medical bill that I am not aware of, I have been disputing with the medical provider, and I have submitted a complaint against the provider to Illinois Department of Public Health. 
The letter claimed that if I do not submit payment of the billed amount to this collector, they will damage my credit score.

In addition, this collector keeps calling my phone with robot message.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX  XXXX BANKRUPTCY Case Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this Complaint again to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX  XXXX Balance : {$2200.00} XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX : {$3900.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$750.00}
Product: Debt collection

: Apex Asset Management Inc, XXXX XXXX, XXXX PA XXXX Placed derogatory information on all three credit bureaus for {$130.00}. I sent them a letter to validate debt in XXXX 2016. They sent a copy of a bill and I have no recollection of same. Additionally, they are required to be licensed by the State of Florida to pursue credit collections here. They are not licensed. On XXXX XXXX, 2016 I sent them a letter asking for a copy of their license. To date I have no response and their information remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Instructions : Please make sure that all aspects of this account are reported XXXX percent accurately. We also see that the payment history on this account is incomplete with fields including the Scheduled Payment Amount and Actual Amount Paid missing in many instances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired a car loan from XXXX in 2016. I requested and was informed that I'd be enrolled in XXXX automatic payment withdrawal program. A few months pass by and I was informed by XXXX that I was late on payments for my vehicle. I informed them that this couldn't be the case since I was enrolled in the automatic payment withdrawal program. They stated that they would take care of the issue and remove any negative information off my credit card report. After many phone calls over the years to XXXX and the credit bureaus, there hasn't been any resolution. This is something that wasn't my fault and I would like a successful resolution to this matter.
Product: Credit reporting or other personal consumer reports

I took out a secured loan ( refinance of another Mariner loan ) with Mariner Finance in XX/XX/XXXX. Around XX/XX/XXXX, I ran into financial troubles and was not able to make my monthly payment on time for the next two months. After missing the two monthly payments, my account was sent to a law firm for collections. In XX/XX/XXXX, I received a collection notice from the attorneys office and I called Mariner to try to make an agreement to catch up on my payments directly with them as opposed to working through the law firm. At this time I also noticed on my credit report that the account was noted as a collection account and also with a closed status. The representative I spoke to at Mariner, said that once an account is sent to legal it is noted as collections and there is nothing she can do about it. Nevertheless, at that time ( XX/XX/XXXX ) I was able to set an agreement with her to make two months of payments on my account to catch up with the payment still being due for XXXX. To note those payments were made directly with the local Mariner representative, and not through a collection agency or other legal representative. At the end of XXXX I made two monthly payments to get my account completely back on track ( payments for both XXXX and XXXX ) At that time I asked the local Mariner office again if they would be willing to update my account status as the account is now back to an on time status, not closed or sitting with a collection agency. The representative at the local office again responded there is nothing she can do, and I must talk to corporate. I then submitted a dispute to XXXX, protesting the listing of the account as closed and collections, to no avail. In XX/XX/XXXX, I called the corporate headquarters to try to once again dispute the account status and the representative informed me that the account is actually not showing as closed on her side ( it is on my XXXX credit report! ) but confirmed once again that the account is listed as and will remain as a collection account until the account is fully paid off. I believe this is an incredibly unfair business practice to the consumer, particularly on a loan with a term that has multiple months ( in my instance, the term is more than 20 months! ) and thus will have a negative impact on my credit for more than two years while I am still actively making payments with the creditor and the account remains in an on time status despite it being listed as a collection account ( and closed nevertheless! ) understand there was a point when my account was past due, but I have since returned my account to a positive status and dont understand why a creditor would be allowed to continue to report a debtors account as a collection when that is not the case. It seems Mariner Finance has elected to put in place a policy that is incredibly unfair to the debtor which will cause undue long term financial harm to me given the impact of the collection status of the account on credit which other creditors will surely view as derogatory and thus prevent me from qualifying for other credit.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to formally dispute the account information being reported by XXXX XXXX XXXX on my credit report. I previously initiated a dispute regarding this collection account, but Equifax has failed to properly address the issue, and the account is still being inaccurately verified. 
This collection is **not mine**, and I am demanding that you re-investigate this account immediately. I request that Equifax comply with your obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i which mandates that credit reporting agencies conduct a reasonable investigation when consumers dispute the accuracy of information on their reports. 
Additionally, under **15 U.S.C. 1681s-2**, data furnishers like XXXX XXXX XXXX are required to provide accurate information. If Equifax is relying on incomplete or inaccurate verification from XXXX XXXX XXXX this constitutes a violation of the FCRA, and Equifax must take corrective action to remove this erroneous collection account from my credit report. 
Please also note that under **15 U.S.C. 1681e ( b ) **, Equifax is required to follow reasonable procedures to assure maximum possible accuracy of the information reported. Given the lack of proper verification, it is clear that this responsibility has not been fulfilled in my case. 
I demand that this matter be resolved within the thirty-day period as prescribed by law, and that Equifax provide me with written confirmation of the removal of this inaccurate collection from my credit report. 
Thank you for your prompt attention to this urgent matter. I look forward to your immediate response. 
Sincerely, XXXX XXXX social Security number XXXX
Product: Debt collection

i purchsed a XXXX XXXX on XX/XX/XXXX for {$350.00} order # XXXX ; on XX/XX/XXXX i purchased a printer for XXXX order # XXXX. I made total payments of {$730.00} however after paying this amount I was sent a bill for {$4300.00} on XX/XX/XXXX.in the 14 page detailed bill they are trying to charge me for motherboards, ink, photo cartiridges adapters, minicards ; the list goes on and on. 
At the time of the purchase I was employed by XXXX XXXX XXXX and bought it through the employee discount program they had with XXXX XXXX, but after receving the bill I discovered that they were charging me for all the items that the Computer Dept purchased at that time period. I tried to explain to XXXX XXXX XXXX but they all they keep saying is that They Bought the Debt on XX/XX/XXXX, which I told them they did not investigate the debt before they bought it and had they, they would have seen it was in error. 
I offered a settlement to them for {$500.00} which I felt was reasonable for the delinquncies ; but they refuse to accept and remove it from my credit report which is ruining my credit rating This company in my opinion is a predatory collector
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

JPMCB account with balance of {$6400.00} is showing as " charged off/closed '' as ofXX/XX/XXXX I never received a XXXX from the creditor. How can the creditor write it off on their taxes as a loss but not provide me with correct documentation. My credit report shows " charged off ''. 

Dear Sir/Madam, I am writing this letter to formally dispute the validity of a debit that your agency claims I owe. According to my credit report the account # is : XXXX. 

1. Verification of Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information.

2. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor.

3. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt.

4. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement that demonstrates my obligation to pay this debt.

5. Documentation of Your Licensing : Please furnish me with your agencys licensing and registration information, as required by state and federal laws.

Please consider this letter a formal dispute of the debt, and I kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 

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

Their are XXXX hard inquiries on my TransUnion and XXXX on my XXXX Credit Report and that I have not authorized and am not even familiar with. I have contacted TransUnion and XXXX and I have also contacted each creditor individually. Nothing is being resolved or removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance Owed : {$0.00} - I never had an account with this creditor. 


XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - I am a victim of identity theft and this is not mine. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed. 

XXXX XXXX XXXX Balance Owed : {$6400.00} - I am a victim of identity theft and this is not mine. 
XXXX XXXX XXXX XXXX : {$4100.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed. 

XXXX XXXX  XXXX Balance Owed : {$0.00} - I am a victim of identity theft and this is not mine. 

XXXX XXXX XXXX XXXX : {$2600.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed. 

XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} - I am a victim of identity theft and this is not mine. 

XXXX XXXX XXXX Balance Owed : {$1300.00} - I didn't agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removed.
Product: Checking or savings account

I invoiced two clients, a technology  XXXX company and a registered LLC Farm in CA for whom Ive done XXXX work this Summer as an XXXX  XXXX. 

One check was deposited on XX/XX/XXXX in an ATM, the other was deposited XX/XX/XXXX using mobile deposit on the Capitol One app. 

After depositing checks to my brand new Capital One checking account, Capital One personnel, without my knowledge or permission, contacted my client ( s ) on XX/XX/2021, asking if they would verify checks written. The female who contacted my client refused to identify herself by name. Because the Clients cellular phone number was unlisted, the caller ID 's were identified as SPAM RISK and because Capital One was not my clients bank, my client refused to disclose any information to Capital One Banks personnel ; Capital One Bank deposited the checks ( both valid and both immediately settled ) and then immediately blocked, closed or otherwise disabled my account. This intentional action on the part of Capital One bank has deprived me of my income, and knowingly locked up funds, which Capital One Bank knew would not be returned to the maker, and would not be accessible by me, the valid account holder. 

My understanding is that if a bank deposits funds into a closed ( or effectively closed, blocked or locked ) account, they must by Federal Law, return those funds to the maker. Capital One had refused to comply with this basic premise. 

Capital One bank has refused to return the funds to the writer of the checks, and has refused to send me ( the rightful owner ) a check in the amount of the balance indicated in my account that they have locked for no valid reason, intentionally withholding funds that do not belong to Capital One bank. Personnel at Capital One bank stated to me directly over a phone call that since my client, XXXX XXXX, did not cooperate with them, they have blocked, closed or otherwise locked my account. 

-- I have repeated called Capitol One to try and resolve this issue, spending many hours on the phone starting on XX/XX/2021. I have only received two email updates about my account being restricted, see attached.
Product: Student loan

I received a phone call from a young lady who told me her company could get much of loan paid off - by consolidation if I paid {$230.00} x 5 months with and t hen {$77.00} there after until XX/XX/2023. No interruptions or late pay then rest of loan will be forgiven. I made 2 payments - XXXX and XXXX. Then I kept getting information and instruction from XXXX who has been servicing my loans. So I called Student Loan Financial Assistance because I was confused about who had my consolidation and was receiving my money. They assured me that they had contacted XXXX and I should be paying Student Loan Financial Assistance to pay off my loans. I called XXXX who told me this was a scam. No one can buy student loans owned by Dept. of ED. So I was just giving my money away to this company. Also all student loans are on hold until XXXX due to COVID 19 with no interest being applied. I paid the XXXX and XXXX payments. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to complaint about CoreLogic Credco and XXXX  XXXX. I am currently in the process of shopping to buy a new home, and as such, recently submitted for a mortgage pre-approval letter through XXXX XXXX, who pulled my credit report from CoreLogic/XXXX XXXX. Though I have excellent credit scores across the three bureaus and am in the top percentiles, and have consistently had an extremely low balance on my accounts ( i.e., less than 5 % utilization ), I was characterized as having too high of an amount owed on my accounts, across the three bureaus on the credit score disclosure notice that CoreLogic sent me.

As such, I requested my credit reports from all three bureaus, and looked at my historical reports/scores, and can clearly see that this characterization is simply untrue. When I called CoreLogic, they said it was XXXX that interpreted my scores/credit report as such ; however, this is simply untrue. Upon conferring with XXXX XXXX, it was made clear that the interpretation of my scores on my credit score disclosure notice came from CoreLogic and XXXX XXXX. 
This is immensely upsetting as it has negatively impacted my credit evaluation and ability to borrow for my mortgage, even though I have maintained an absolutely stellar credit history for years now. I simply do not understand why I am being falsely categorized/characterized by CoreLogic and XXXX XXXX, when the reality is that my credit reports do not reflect this information of a high amount owed, etc. 

I greatly appreciate your work on our behalf. 

Thanks.
Product: Credit card or prepaid card

I rented a vehicle from XXXX while on vacation in XXXX. The charge was supposed to be for {$180.00}. However I was charged {$530.00}. I contacted my financial institution, First National Bank, to file a dispute. They opened up a case and asked me to submit information, which I did. A couple weeks later I received a letter saying they closed the case. When I called to ask why the case was closed they said more information was needed and they would open it back up if I sent in the additional paperwork. So I submitted the additional documentation they asked for. After calling the second time, I was again told that even more, additional documentation was needed. Again, I submitted more documentation. This same process whet on for two more times over the course of 3 months ( they wouldn't accept anything over email, it had to be sent through the US mail each time ). Each time they kept coming up with new, additional requirements. From talking with the representative at First National Bank it became clear she was trying to avoid having to contact VISA. She made me spin my wheels for months in the hopes that I would just give up and she wouldn't have to go through with the dispute process. Now I am stuck with no way to recover the funds because First National Bank refuses to take action.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX and TransUnion credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}.