23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been sending letters to all 3 credit bureaus including you about fraudulent accounts. No one hears me when I say delete these accounts off my credit report immediately. This is XXXX submitting this report. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i )
Product: Debt collection

I have never held an account with this company and they are attempting to collect a debt that had already been discharged with the original creditor. I requested to opt out of them sharing my account information and all attempts be ceased via phone and email and they refused and continued to contact me. A 1099 has been filed and accepted by the IRS and copy B has been sent to the original creditor and whoever this company is.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/2022 to Experian. Here is my tracking number.. 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I would like to know who did they talk to?

How did they complete this investigation?
Product: Debt collection

The collector is National Credit Systems and they are reporting negative information that should have been discharged in bankruptcy and it is adversely affecting my credit score in being able to secure a mortgage for a house this year and I think that they need to delete this information immediately or I will get my bankruptcy lawyer to seek punitive damages in a defamation lawsuit because of the negative information being reported inaccurately to XXXX Credit Bureau. There is a right of stay for a reason and they have broken the right of stay and I will seek legal damages if they do not correct it and DELETE THIS INFORMATION IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I became delinquent on my consolidated student loan. In XX/XX/XXXX this information was reported to credit reporting agencies. For example my Transunion report shows Maximum Delinquency of 90 days in XX/XX/XXXX. My XXXX reports shows this same account updated with the following information on XX/XX/XXXX. Date of first delinquency : XX/XX/XXXX. I do not dispute the above information. Given this accurate information, these accounts should be excluded from my credit reports in XX/XX/XXXX. XXXX does not report this original account. 

This account was transferred for collection within the Department of Education.  The collection account is being reported to XXXX, XXXX, and Transunion. The date of first delinquency being reported on the collection account is XX/XX/XXXX. 

This practice of re-aging is a very serious violation of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 5 ) Duty to Provide Notice of Delinquency of Accounts ( B ) Rule of construction. For purposes of this paragraph only, and provided the consumer does not dispute the information, a person that furnishes information on a delinquent account that has been placed for collection, charged for profit or loss, or subjected to any similar action, complies with this paragraph, if ( i ) the person reports the same date of delinquency as that provided by the creditor to which the account was owed at the time which the commencement of the delinquency occurred, if the creditor previously reported that date of delinquency to a consumer reporting agency I disputed the date of first delinquency information provided in the collection account with XXXX, XXXX, and Transunion. The Department of Education verified the information as accurate. 

I called the Department of Education on XX/XX/XXXX after receiving results of disputes. I spoke to a representative explaining that the account was first reported as delinquent on XX/XX/XXXX therefore it was inaccurate for DOE to now report date of first delinquency as XX/XX/XXXX. The representative explained to me that XX/XX/XXXX is when the account was transferred to them and that is why they were using that date. I explained that it didnt matter when they received the account that the date of first delinquency had already been established. The representative refused to make any changes saying Im not an attorney.
Product: Debt collection

I contacted gatestone to reschedule my payment when I realized my bank account was over drafted, due to another bill payment being processed early. I asked to reschedule my payment on my next pay period and was told that there was no way to stop their automated system from collecting they payment. I informed the rep that for each attempt, my bank would continue to charge me an over draft fee and that it would put me further in debt. At this time the rep informed me that the only way to stop the automatic attempt would be to file a stop notice with my bank. XXXX implied several times that I did not do my due diligence by contacting XXXX earlier. I let her know several times that I called as soon as I realized the issue and was trying to work towards a resolution so that I could meet my payment obligation. She continued to imply that I did not take the correct action and that the matter was out of her hands. I then contacted my bank to place a stop payment, as advised by Gatestone. Today Gatestone called to advise that I would be kicked out of the lower interest arrangement for failure to meet my payment date. Despite doing what I could to adequately make my payment, Gatestone is now attempting to collect a payment that I can not sustain, without informing beforehand that their advised action would result in being kicked out of the program. I believe this is in violation of the Fair Debt Collection Practices Act Section 802a and 802c as no alternatives of payment were offered. This practice is highly predatory and deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer FInancial Protection Bureau & Experian Dear CFPB this is not a duplicate and this is a follow up on the response that Experian sent to me via email yesterday. I am submitting new documents to you as a complaint that will hopefully get Experian to closely look at what I am requesting and what I am submitting to them. I received a response that they are deleting " XXXX '' inquiries off of my report and in reference to CFPB # XXXX the original complaint they again have ignored my request and again are doing a stall tactic.I am desperately asking that the please handle this matter promptly and discontinue to ignore my request as being a victim of identity theft. Initially, I praised them for their efforts but after taking a closer look they did not do anything but send me a letter requesting the same information and this happens almost frequent. I can go to experian.com upload documents and they claim to never get them etc..just prolonging and continuing to be unethical and damaging my creditworthiness. 

I have uploaded my drivers license and items they have been requesting since XXXX and they should have what they need on file. Instead they send the same letter asking for the same information. I am not sure why the send back to me a letter that request the same information over and over which it truly frustrating. They need to please handle this matter promptly for this is about the sixth time I am sending this information. This time I am submitting what they are requesting for our tracking purposes and so that you at the CFPB can see if Experian will handle my file in the most ethical manner. 

Attached again are my a copy of my drivers license, bank statement to have these items deleted as soon as possible. Also attached is the same document that Experian sends as a stall tactic instead of fixing my problems. It disturbs me how they can continue to destroy a person with their business practice ignoring and not doing as they say they would. 

Experian it is time that you please do the " RIGHT '' thing and discontinue damaging my creditworthiness. 

Other requested information XXXX XXXX XXXX XXXX XX/XX/XXXX Preivous address XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX Current address XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Debt collection

This company has been calling every phone number we have for 2+ years and we have told them numerous times to stop calling and that the debt is invalid because it was coded incorrectly at the medical office or the insurance would have paid it. This is a company that bought the debt so they do not care. Every phone call was abusive on the collectors part including yelling, offensive language and threatening us by telling us he will call as much as he feel like calling. We have told them this is disputed and we will not pay. I finally mailed a cease and desist letter " certified '' on XX/XX/XXXX. I have receipt that it was received and they still call.
Product: Debt collection

It 's says that I owe money in the amount of {$1500.00} that i have no knowledge of in 2013. It doesnt even say if it 's a loan or etc. It 's really affected my credit score. I have never taken out a loan or request a loan for that certain amount of money. When I try to get more information on it, it asks me questions about mortgages nd car loans banks loans that I have never applied or received money for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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

I have notified TransUnion of a discrepancy on my report. They are reporting a collection of {$3000.00} by XXXX XXXX XXXX. I have no knowledge of this account. I requested, in writing, copies of the original documentation including my signature. This is pursuant to my rights afforded me under section 609 of The Fair Credit Reporting Act. My requests were ignored and a copy of my credit report was sent to me in the mail, this is not what I requested. TransUnion is violating my rights by continuing to report this information without proper documentation. I am asking that this information be provided or the erroneous account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I sent a letter to the credit bureau regarding XXXX medical accounts showing on my credit report. I asked the credit bureau Validate the debt, A Breakdown of fees including any collection costs and medical ALL medical charges how they were derived or came about so I know it was billed correctly under the guidelines of the XXXX and XXXX. 
I also requested to receive the HIPAA authorization signed by myself and to be provided with a copy of my signature with the provider of service to release my medical information to you. 

I asked for this information because the creditor could not verify or send me any info on the accounts. 

It is now XX/XX/2022 and i still have not received any correspondence pertaining to this dispute and the unverifiable accounts are still showing on my credit reports.
Product: Mortgage

I paid my XXXX mortgage with Bayview Loan Servicing LLC. I have a confirmation number for my payment, and my payment came out of my bank account. My agent said that a mistake had been made and that my account had been sent to foreclosure, but he took my payment anyway. He assured me, though, that he would contact his supervisor and have the process halted. This morning a woman and knocked on my door saying she represented a third-party and that my home was in foreclosure and she was doing an occupancy check. I contacted XXXX XXXX. XXXX said that Bayview is in the business of foreclosing on homes. I want to be placed with a more reputable mortgage company. You can not even get a person on the line when you called their numbers. One of their list of numbers is for a cruise company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I've tried to get ahold of Lexington law to comply with their letters and documents that they sent me on my issue. D actual nation and getting from the attorneys at Lexington XXXX  getting verbally that there not requesting me to be a client again. I'm a consumer with consumer rights and I have an issue with Lexington law as far as the making me a client with their product. I have documents showing that they have requested that I had Liberty to go ahead and reissue a new client relationship and to have declined me verbally.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, Ga, XXXX XXXX XXXX XXXXXX/XX/XXXX 2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Subject : Cease and Desist Demand Dear Sir/Madam, I am writing to formally demand that you immediately cease and desist all collection efforts related to the account referenced below : Account Number XXXX Despite my request for clarification, I believe your actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) and may be causing unwarranted distress. Specifically, sending letters to an address I no longer reside in, causing me to receive this information up to one year late I am hereby notifying you that I do not owe the stated debt, or if I do, I dispute the amount or validity of this debt. Under the FDCPA, I am entitled to request validation of the debt, and I ask that you immediately cease all communication with me until you provide proof of this debt, as well as any relevant documentation supporting your claim. Please consider this letter my official request for debt verification. If you continue to pursue collection efforts without providing adequate validation or continue any harassing actions, I will consider taking legal action to protect my rights and seek all available remedies, including reporting your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. This letter serves as a final warning to cease all attempts at contact, and I expect your immediate compliance. Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX plus years ago I incurred debt. Then I stopped working due to XXXX XXXX and XXXX  from years old injury and I had XXXX XXXX  and got little to no support. 
I finally got XXXX a year ago that started out as {$500.00} a month. 
The above debt still shows up on my credit report after XXXX plus years of having incurred it. 
I want the debt removed from my credit report. 
I have filed complaints with reporting agency and collections company and have received no viable answer. And it appears they resell the debt to keep it current somehow?
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me XXXX XXXX XXXX it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Checking or savings account

I filed a complaint against Chase XXXX on XX/XX/year> ( XXXX ) about a payment I processed on XX/XX/year> for {$1200.00}. They closed my account and are holding the money for 120 days. After filing this complaint, I went to Chase bank on XX/XX/year> where my banker called XXXX trying to get information about the funds. The person she spoke with told her that our funds were going to be released back to us within 1-3 business days to our checking account. As of today, XX/XX/year>, the funds are not back in my checking account. I received a response from my first complaint from XXXX that stated they were refunded on XX/XX/year> to our customer. THESE FUNDS WERE NOT GIVEN BACK TO OUR CUSTOMER. I have found numerous complaints online about the same issue people are having with them, that they claim the customer got a refund and it was not the case. I want some answers with this. I'm tired of getting the run around on where my money is and want it returned to my account ASAP.
Product: Credit card

I was sent a XXXX XXXX for credit card bonuses I received as points, valued arbitrarily at {$700.00}, even though I have no idea how they landed at that number
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXXXXXX XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX # 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 instructions15 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.

Items have been previously disputed requesting validation documents and information was not furnished. In fact 2 of the items listed had actually been deleted and reinserted without prior notification which is a violation as well.
Product: Debt collection

A business debt of my husband XXXX at Wells Fargo was overdue and because of no contact from XXXX, Wells emptied my bank account and took XXXX. I called the Wells contact in their collections dept ( XXXX ) and she needed to talk to my husband and get permission to discuss adjudicating this account with me which was done. I told XXXX my rent check was going to bounce, I had XXXX kids under XXXX yo and I 'm XXXX. I offered XXXX/Month payment until I could pay more ( debt was XXXX ) and offered tax returns/paycheck stubs/income verification and XXXX refused anything less than $ XXXX/month. We paid off a larger ( $ XXXX in cash and in full XXXX years ago with XXXX! ), however, I started a small business in XXXX and have grown my family. My rent check bounced and added more money and less than a week after my conversation with XXXX from Wells they took another {$3100.00} ( which was to cover my rent ) and when I spoke to XXXX she said it was because she called my husband and he did n't call back ( her reason for taking the original {$2100.00} was due to no contact from my husband ), but I said I am the contact person I 've been trying to work with you. Is that the loophole You call the wrong person and no contact means take all our money I said I wanted to record our call and she refused to talk to me any further even when I said I would not record it she said she did n't believe me and would not/could no tell me legally how they could take over XXXX % of total debt due from a family of XXXX ( XXXX ) who made $ XXXX XX/XX/XXXX? Wells refused to work with us!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX  XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, MS XXXX Employers : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX