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

XXXX shows that on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I did not pay my car payment when in reality I did. The final week of XX/XX/XXXX, I made my car payment for XXXX, In XXXX of XXXX I made my car payment within the first week and within XXXX of XXXX I made two car payments for XXXX and XXXX. There were several times I asked for extensions due to illness which XXXX gladly gave me assuring me that an extension does not constitute none payment. There were also several times I paid XXXX to XXXX XXXX dollars more then my regular payment to pay ahead and to be current. XXXX has told me several times that I paid in full and that I have not paid late and that they would correct the mistake on my credit report. But this has not happened yet. In XXXX of XXXX XXXX tried to say i did not make a car payment which i did. i mailed the payment to them guaranteed check. they received it three days later but lied and said they did not. I made an XXXX car payment at that time as a result over the phone. two months later we found out from XXXX and the bank, that they did receive my may payment via guaranteed check. They applied and updated that payment and I asked them to please remove the delinquency from my credit report. They said they would but have since done it.
Product: Credit reporting or other personal consumer reports

I am writing challenging compliantly act with certified proof that they are reporting complete, timely, not erroneous or they must remove the items immediately by the credit reporting agencies regarding the accounts listed below : Account : Personify Financial XXXX : XXXX XXXX Under 15 U.S. Code 1692, I never provided written consent to furnish or obtain my personal information related to these accounts. According to the Fair Debt Collection Practices Act ( FDCPA ), any information furnished must be accurate and compliant with legal requirements. The inclusion of these charge-offs on my credit report is unauthorized and constitutes a violation of my rights under federal law. 

Furthermore, I reserve the right to utilize the arbitration process to seek compensation of {$1000.00} for each negative item reported without my written consent. The inaccuracies on my credit report have caused undue harm and financial distress, and I intend to hold your companies accountable for these violations.
Product: Debt collection

I have no idea who MEDICAL DATA SYSTEMS, INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. MEDICAL DATA SYSTEMS, INC is indicating that an accounts with the account numbers XXXX, XXXX, XXXX were opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1.  Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized MEDICAL DATA SYSTEMS, INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ MEDICAL DATA SYSTEMS, INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to MEDICAL DATA SYSTEMS, INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Gramm Leach Bliley Violation ( s ) : Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

Failure to provide an Opt Out Notice.

Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AD ASTRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX/XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX bankruptcy discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Bankruptcy : Discharged XXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

3. Bankruptcy chapter XXXX-discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AR XXXX XXXX : XX/XX/XXXX SSN : XXXX ( I am responding as my own representative... This is not a letter from an attorney ( yet ) nor is it a letter from a Credit Repair Agency ) ... I am acting alone on my own accord and legal rights according to the XXXX. 

To : XXXX, Equifax & XXXX XXXX Report # XXXX Equifax XXXX # XXXX XXXX File # XXXX RE : Requesting you Block and Remove Fraud from My Consumer Report I am writing to inform you of a serious situation involving the compromise of my Social Security number, which has led to both an XXXX data breach and identity theft. I have already reported this to the Federal Trade Commission and filed a report, which is referenced as FTC report number attached, and included with this letter. 

In accordance with 15 USC 1681c-2 ( c ) ( a ), it is imperative that you, ( XXXX, Equifax & XXXX as a credit reporting agency and/or bureau, take immediate action to block and remove all information related to this identity theft from my credit report. 

This statute requires credit reporting agencies to address such requests promptly, within four business days of receiving a complaint containing the following information : Collection Names : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 


I want to underscore the gravity of this issue and my expectation for a swift and effective resolution. Should your response be inadequate, such as a refusal to cooperate by blocking and removing the above accounts within 4 days, I will be forced to pursue legal action against your agency, as allowed by law. 

Please be aware that I will seek damages, including statutory costs, with each violation carrying a statutory fee of {$1000.00}, as specified in 15 USC.

These violations include : -Defamation of Character - Negligent Enhancement of Identity Fraud - Violations of the Fair Credit Reporting Act - Non-compliance with 15 U.S. Code 1681o ( Civil liability for negligent non-compliance ) - Non-compliance with 15 U.S. Code 1681n ( b ) ( Civil liability for willful non-compliance ) -Failing to comply with 15 USC 1692 ( g ) - Violations of 15 U.S. Code 1681b ( Permissible purposes of consumer reports ) - Non-compliance with 15 U.S.C. 1681i ( 7 ) ( Method of verification ) - Violations of 15 USC 1681a ( 4 ) ( Right to privacy ) -Violations of 15 U.S. Code 1681c ( Requirements relating to information contained in consumer reports ) I am treating this matter with the utmost seriousness and request that you promptly block and remove the fraudulent accounts from my credit report. 

I have already provided all necessary information to facilitate this process. Please confirm receipt of this letter and provide a timeline for resolving this issue. Your prompt attention to this matter is greatly appreciated. 

You may respond via my email @ ( XXXX ) or by mail @ XXXX XXXX XXXX, XXXX XXXX, AR XXXX Best wishes, XXXX XXXX
Product: Credit reporting or other personal consumer reports

INCORRECT RESIDENT ADDESSES ON CREDIT REPORT/XXXX, EQUIFAX, AND XXXX
Product: Mortgage

I spoke to the mortgage company mid XXXX to inquire why my mortgage payment was increasing so much. They stated it is due to my escrow shortage. I let them know they have the wrong amount for my taxes which was the same issue they had last year. They have my taxes at {$5500.00} which they paid last year on XXXX, XXXX, XXXX. A refund was issued for {$3700.00} on XX/XX/XXXX. They still have my incorrect tax amount and have significantly increased my payment. My correct tax amount is {$1800.00}. They will not review the most recent bill that is published on the tax website because they stated it was too old. I then provided an estimate directly from the county which they said they will not take because it is only an estimate. I was told the earliest they would resolve this is sometime in XXXX. This has caused my monthly mortgage payment to increase over {$400.00} dollars. 

The only resolution they offered was to stop my auto payment and wait till resolution. This is causing a large financial hardship with no resolution. I have already made two payments over the amount.
Product: Credit card or prepaid card

In XX/XX/2017, I noticed that multiple cards were opened with my information under XXXX   bank and used up to the limits. I contacted XXXX and the credit bureaus to inform them of fraud but both refused to research the claims and proceeded to place these cards on my credit file. As a result, my credit has been damaged. I have requested proof that I signed paperwork permitting a credit card with this company and have been provided none.
Product: Debt collection

My complaint is about this debt collector that is unknown to me and have a debt from a medical place that i live 1000 miles from and never went to! Just randomly showed up on my experian report under collections. I have written a Hippa violation letter to these people. ( XXXX XXXX-ACCT : XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Trying to collect {$780.00} for a debt that isn't mine.
Product: Debt collection

On XX/XX/2023 at XXXX eastern time, I obtained my most recent credit report from all ( 3 ) credit bureaus whereas this still account appears after notifying the creditor and never received any correspondence back.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX  ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX & XXXX XXXX
Product: Debt collection

Weekly since XXXX they have called my phone, my husbands phone, my daughters phone and my mothers phone regarding this. Ive asked them via email and phone to send me the information that Ive repeatedly requested. They threaten to send the police every week and I tell them to please do so that I can have the information that Ive requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reportina act XXXX Account #. XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacv 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reportina agency can not furnish a account without mv written instructions
Product: Student loan

I enrolled with Argosy University XXXX XXXX XXXX XXXX XXXX XXXXXXXX They falsely informed me about the tuition and I ended up taking out high amount of student loan. They pretty much robbed me! Now I am XXXX XXXX XXXX XXXX XXXX XXXX in debt because they told me the tuition was high.
Product: Checking or savings account

On XX/XX/2020 I opened an checking account online with chase bank. That same day I scheduled a transfer of XXXX dollars to be deposited into the chase account. The deposit was from my XXXX  XXXX XXXX XXXX debit card. I tried to login later that day to check the status. It said my account was locked and I needed to call chase. I called and they said they were closing the account because they couldn't verify who I was. I asked them well what about the XXXX im having deposited into the account. They said any deposit will be rejected and returned. So I call XXXX XXXX XXXX and tell them what happened they said it could take 7-10 business to be rejected and funded back to my account. So I call back 10 days later and they say that the deposit was accepted by chase. So I call chase and after getting put on hold and hung up on twice. They say that a check was mailed to me for the amount of the deposit. I wait another week still no check. So I call back and get hung up on a few more times then someone tells me you must come into a branch with id to get your money. I said I cant im under quarantine and im in another state. He said well im sorry but there's nothing I can do. At the time chase was offering a promotion of a bonus XXXX dollars for anyone opening a new account and receiving a direct deposit within first 30 days. I feel this is the reason they did this to me was to not have to pay the bonus XXXX. 
1 ) So they allowed me to open a checking account online then once they seen a direct deposit coming into my account they closed it. 

2 ) They lied to me and told me no deposits would be accepted and that any attempted deposit would be rejected and sent back.

3 ) They lied to me again saying that they mailed me a check for the amount of the deposit.

Finally after lying to me multiple times and being rude and hanging up the phone on me they say I have to come into a branch. This was after I had told them I was under quarantine in another state that doesnt have chase.

Please help however possible. Chase Bank is a dishonest company. They stole XXXX dollars from a taxpayers citizen during the middle of a global pandemic. They should be ashamed and hopefully they pay for there actions. Im sure im not the only one they did this to and it is terribly wrong of them. 

Thank you for your time and I hope this gets to the right people so I can get my money and Chase Bank can be held accountable for its unprofessional and illegal conduct.
Product: Credit card

Too many hard inquiries from companies that I wasnt aware of and all those inquiries are hurting my credit rating and scores
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried reaching out to EXPERIAN, XXXX and XXXX with regard to multiple inquiries being reported in my credit reports without my permission or consent. I have been unable to get this resolved after multiple attempts to dispute. I have made phone calls, as well as sent certified letters. I have even had to do my own freeze on my accounts until this is fixed! This is putting a significant amount of undue stress on me. Credit bureaus are SUPPOSED to properly verify the accuracy of items listed on my credit report! Please help with this.
Product: Debt collection

I just noticed this accusation on my credit report from XXXX and know absolutely nothing about it. It 's a {$70.00} open collection from State Collection Service Inc. I have medical insurance and always pay my copay, this does not show up in XXXX. I 've never received notification or a bill.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year>. Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX ( XXXX ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( XXXX ), XXXX XXXX XXXX, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : XXXX XXXX : ** XXXX XXXX XXXX XXXX : ** XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

alliantcreditunion.com XXXX XXXX XXXX XXXX, XXXX, IL XXXX alliant credit union advertised a free {$200.00} gift card for opening and funding a new account. I opened a new account on XXXX XXXX. The promotion did say the offer would be limited to the first XXXX accounts. They continued to advertise the offer tor 10 days after I opened my account. The offer said it would take 2 to 3 weeks to receive card. 

on XX/XX/XXXX I sent a secure message to them telling them I had not received the gift card, got a response saying please wait 14 days, on XX/XX/XXXX I sent a secure message saying I had not received the gift card. Got a response saying it could take 28 business days and asking to confirm my mailing address. They later confirmed the address was what they had on file. 

on XX/XX/XXXX I called the customer service line and spent 40 minutes. They first told me I did not sign up through the correct bonus link, but later said they could see the bonus code had been added to my account, then said they would get back to me, that day. 

No call - no gift card
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) EXPERIAN CREDIT BUREAU is required to remove any inquiries not later than 4 business days. I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 XXXX
Product: Credit card or prepaid card

In XX/XX/2018 someone claiming to be an agent of XXXX XXXX bilked me of nearly {$500.00} via American Express prepaid cards. Details are in the attached correspondence with American Express. Instead of getting down to work and identifying the merchant whose account was credited, American Express keeps sending me stupid unsigned letters asking me to go through their telephone XXXX, although I have several times told them I will not do that. If they want to talk to me by phone they can use my home telephone number, which they know. They also talk about using email, but they have my email address. Someone in the fraud office of American express is doing nothing about the case except sending stupid letters. This has been going on for over a month.
Product: Mortgage

I have tried at least 3 times to get a HARP refinance with lender. Each time they allege they have not received my paperwork. I have faxed, mailed and even scan and uploaded the documents. I believe this is a tactic this company uses to keep these predatory loan. in almost 10 years I have not even paid off {$5000.00} in the principal amount. All I am paying is interest. I need to get a re-structured loan as my income has declined due to health reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any account and information which was found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Debt collection

On XXXX XXXX XXXX I received a phone call from Zenco Collections indicating that unless I settled a debt with Citbank that day, I would be subject to legal action on behalf of the creditor. They specifically threatened to place a lien on my vehicle. They indicated that the last payment made on the debt was XX/XX/XXXX. I have no idea if this is a valid debt or not, but this well exceeds the statute of limitations in the state of Florida.