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

The credit bureaus have updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. XXXX  has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. XXXX  failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection.
Product: Debt collection

On or about XX/XX/2016, I received notification on my credit report through XXXX  XXXX  that Receivables Management from what appears to be XXXX XXXX as the original creditor. However, XXXX XXXX is a urgent care facility and this debt has been PAID IN FULL -- as they will not treat a patient ( my minor daughter ), if there are ANY OUTSTANDING DEBTS on the account. This account was paid when I visited XXXX XXXX again with my daughter. 

Receivables Management Systems did not provide enough information on my credit report for me to VERIFY the debt. For example, there is NO ACCOUNT NUMBER referenced, no " TYPE '' of accou8nt, and I've repeatedly tried to DISPUTE this account with both XXXX and XXXX on numerous occasions. 

So let me ask, if there is NO WAY for a consumer to reference an account number to any payments made, how are ANY accounts being appropriately debited for payments received by consumers? 

Should the CFPB allow Receivables Management Systems to continue to collect debt and falsify credit reports of consumers by making it impossible for consumers to prove their debt with this collection agency has been resolved, paid in full, or even settled? If there is no account numbers reported, this company can literally be accepting payments from consumers all across the USA and never reflecting the payment ( s ) on their accounts.

XXXX   has had this dispute open for SEVERAL MONTHS without resolve. 

Is there a law regarding how long a company has to prove a dispute to be correct or incorrect? I thought this federal law was 30 days??? Why is this company STILL REPORTING I OWE MONEY TO THEM on two out of three credit reporting companies?

And in addition to all of this, when you go to their website http : //rmscollect.com/ and click on PAY ONLINE, the very 1st question is " Account Number '' -- and it's a required field to move forward. This collection has been on my credit report FOR THREE YEARS -- even though I've continuously disputed it -- and it has NEVER REPORTED an account number.
Product: Credit card or prepaid card

I, XXXX XXXX placed an online order of XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX. It was shipped through XXXX XXXX delivery on XXXX XX/XX/XXXX. Tracking number XXXX initially showed that it was supposed to be delivered on XX/XX/XXXX but it was not delivered on that day and finally the tracking showed that it was delivered on XX/XX/XXXX at XXXX XXXX. I was home all day and there was no delivery made by XXXX, so I contacted merchant via email on XX/XX/XXXX at XXXX XXXX  but merchant never responded to my email. Then I tried to catch them via phone call and was able to speak to person named XXXX and explained him that I have not received my package and there was no doorbell and no XXXX  person. He advised me to check with neighbors and then I checked with my neighbors and front and back door as well but there was no package. Merchant is giving false statements about me. I NEVER said it is common for packages to go missing in my apartment building. I always receive multiple packages safely at my apartment building through all major carriers. Merchant was totally non cooperative and was not willing for REFUND or REPLACEMENT. Merchant also stated property is secured and to speak with property manager. Its not the issue with my apartment building so no use to contact property manager. I did mention that it might be possible that XXXX delivered to wrong address because all the buildings are similar in my area. Merchant filed claim with XXXX because I have not received my package. XXXX declined claim because XXXX  delivery SIGNATURE Option was not requested at the time of shipment. It was perishable Frozen Meat and Merchant should have opted for signature delivery to get my item in time. Out of {$450.00} I paid {$130.00} for shipping cost. When I have paid high shipping amount then it was Merchant responsibility to ensure package properly about lost or stolen insurance and option for signature delivery, as all other merchants do for high value deliveries. I am a long time CHASE CUSTOMER since XXXX and I believe that it is unfair that I must bear loss of {$450.00} when I have not received my item.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2018 XXXX XXXX Balance : {$770.00} XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2018 XXXXXXXX XXXX XXXX Balance : {$750.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding my inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates The Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U. S. C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX acct showing a late payment.
Product: Credit card or prepaid card

I have tried to apply for the XXXX XXXX with Huntington Bank on several various occasions and just recently applied, within the last several weeks, for this card. I absolutely understand the credit criteria that is involved with Huntington Bank for their cards, but this is highly ridiculous. I have more than $ XXXX hitting my checking account each month, have a debt to income ratio sitting at 7 %, and have over {$14000.00} sitting in a savings account with them. Doesn't anyone look at my account relationship or the nature of the amount that is hitting those accounts or do they simply use a ridiculously outdated scoring system without consideration of trying to broaden a relationship with their customers?
Product: Debt collection

Last XX/XX/XXXX, I wrote a letter to XXXX XXXX with regards to accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I sent them a check as payment for these accounts and clearly, " CONDITIONS ARE WRITTEN AT THE BACK ''. It clearly states that 'THEY CAN ONLY CASH THE CHECK IF THEY AGREE TO DELETE ALL THE ACCOUNTS THEY REPORTED TO THE BUREAUS ''. XXXX XXXX CASHED THE CHECK, which means THEY AGREED WITH THE CONDITIONS. They are in violation of the VIOLATION OF CALIFORNIA CIVIL CODE and BREACH OF CONTRACT/AGREEMENT. This is my last resort before I take a step further and get a legal counsel involve. I am also filling
Product: Debt collection

The account is not my account and I have never had any business with Credit Management LP. I sent a letter regarding this debt collection attempt to this company indicating that this debt is not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that I have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a legitimate signature and state issued ID validating that I authorized this account. I have attached a copy of my ID Theft report and letter.
Product: Credit card or prepaid card

I reported unauthorized charges on my account and there was also late reporting of late payments to credit bureaus which I disputed. I order a new card replacement after the dispute and have not received one for months. 

There is also random charges when there was not a balance on the account. 
XXXX/XXXX/XXXX Minimum Interest Charge Fee {$2.00}  XXXX/XXXX/XXXX Late Fee - Payment Due On XXXX {$2.00}  XXXX/XXXX/XXXX Interest Charge On Cash Advances {$2.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion says have info press for code no code 45 minutes later code arrives had allready tried again transunion says must mail this has happened prior years am sure i am not only one seems as if done to make process hard
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following inquiries on my consumer report and demand them to be removed! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2021 I sent the credit bureau a letter concerning inaccurate collection accounts on my credit report that are all reporting inaccurately. They have not conducted a proper investigation into my dispute and they have not corrected or deleted these accounts as the FCRA states. I have also reached out to the collector who furnished this inaccurate information and they too have failed to delete this inaccurate information from my credit report. This is causing me great stress and I want to exercise my right as a consumer and file this complaint because they violated the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 u.s.c 1681 section 602 a. states I have the right of privacy.

15 u.s.c 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason. 

EXPERIAN REPORTING INACCURATE INFORMATION XXXX XXXX ACCOUNT ; EXPERIAN -LATE PAYMENT XX/XX/2016 XXXX NEVER LATE XXXX NEVER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XXXX XXXX XX/XX/2022 ) has led me to believe I may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. Also, Please do not add any fraud alerts on my credit profile.
Product: Credit card or prepaid card

Barclays offered me a promotion to transfer a balance directly to my XXXX XXXX  account. This was requested on XX/XX/XXXX and shows posted on my account XX/XX/XXXX ; however the funds were never received. 
I called on the XXXX to confirm they had the correct routing and bank account number- which was confirmed to be correct. 
A week later, I still did not receive the deposit and called again and was told they would open a case [ ID XXXX ]. 
A week later, XX/XX/XXXX there is still no update and each time I call they transfer me to someone new. 
This balance is showing on my credit report and they can not give me any update as to where it went - nor will they remove it or put a temporary hold against it. 
This is a clear lack of controls and proper governance around client accounts. 
I need this resolved and the transfer removed.
Product: Credit reporting or other personal consumer reports

To Whom It May 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Submitted non-refundable {$500.00} application fee to Amerisave Mortgage in order to refinance my mortgage at a better rate. Once I paid the fee and competed the application process, my loan officer stopped communicating with me over the phone. What little phone communication I did have my officer ( XXXX XXXX ) kept telling me my loan was " 100 percent complete '' and he didn't need anything else from me. Then I would get email requests for insurance documents. The documents requested were confusing and unfamiliar to me. When I would call to ask questions, he wouldn't answer the phone or return my calls. When I finally did speak to him, he again would say he didn't need anything else and to ignore the requests for documents. Often after speaking, I would get an email from his " assistant XXXX '' asking for the documents he just told me he didn't need. This went on for a few weeks, until I responded to " XXXX '' ( who never spoke to me or answered questions and who I think was a robo ) that I had just spoken to XXXX who told me again to ignore the document requests and I was tired of going around in circles with them over the documents they wanted but wouldn't answer questions about. Right after that my loan status was changed to " cancelled '' without explaination. I lost my {$500.00} application fee to uncooperative finance company. Amerisave Mortgage are unethical thieves.
Product: Credit reporting or other personal consumer reports

I am a vicitim of a Data Breach and Identity Theft. Please block and delete the following accounts within XXXX business days under the Fair Credit Reporting Act Section 605B, 15 USC 1681c-2. Please block and delete the following accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

XXXX XXXX  issued an intensely high and very aggressive loan for a XXXX college- XXXX XXXX  XXXX college XXXX XX/XX/XXXX to myself. All portions of the loan were not discussed nor did I sign any type of promissory note. The loan application indicates they provide quarterly interest statements. 

In XXXX I began receiving calls from a loan company called Navient stating i had to pay back over XXXX dollars and my payments would only cover my interest. 

Upon further investigation I found that the loan that was dispersed to me personally was in fact a private loan that had been misrepresented to me by the school and XXXX XXXX. 

I have tried to work with the Navient company and they refuse to work with me in reducing this debt and also discussing why 10 years this loan was allowed to accumulate interest with no communication with the original company.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXXXXXX XXXX XXXX. pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX states the following ; ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than XXXX  days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am writing this complaint today about my Wells Fargo account that is reporting inaccurate information across all 3 credit bureaus. The account is posting as an delinquent account however, on my account all payments on this account since I had it from the beginning of XXXX have been on time with no late payments however, there is a 30 day late payment reporting for XX/XX/XXXX that is incorrectly reporting. I have never missed a payment o this card and I need this fixed as I am going for a mortgage loan and this incorrect information on my report is severely hurting my score where I can not get approved for my dream home
Product: Credit card

I paid XXXX to my navy federal credit card on XX/XX/XXXX. That amount is being withheld because it came from an outside institution. However every payment I have made since XXXX to this card has been from that outside institution and Navy federal has not held the money until my payment last week on XX/XX/XXXX. 
Last week a wonderful gentleman was able to call XXXX ( the outside institution ) and verify that the funds had cleared my account. Today the woman I spoke with was XXXX XXXX and would not help. I asked to speak to a supervisor and she laughed at me then said it doesnt matter, not like you can use the card anyway. 
Upon speaking to a supervisor she stated the person who helped me last week was wrong and they could not call and verify that the money was cleared. This credit card carried a balance due to fraud charges that I have been fighting for years and I gave up and started to pay it. 
Navy federal wont help and are turning into a terrible financial institution.