23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX, I settled a debt through a law firm for a XXXX XXXX/Metris credit card account. 
In XX/XX/XXXX, I was contacted by another law firm and told that I owed for that same account. I contacted the original law firm and they re-sent me the settlement letter and confirmed that they had my account as satisfied and that they had let Metris know back in XX/XX/XXXX. 
I faxed the settlement letter to the law firm who contacted me as well as bank statements showing the payments cleared. They apologized and assured me they would correct the issue with Metris. 
I have since heard from at least XXXX other law firms on this, almost on a yearly basis. Most recently last week. I submitted yesterday, the settlement letter to the latest law firm. 
Metris has been bought by other companies since I settled the debt and I can not find an up-to-date contact number so that I can address this directly. The law firms will never give me the contact info they have, they only assure me it will be taken care of. However, this is only 'taken care of ' until Metris ( or whoever owns these old Metris accounts ) sends my info to a new law firm. They never update my account correctly to show that it is satified. I do not think it is fair or reasonable that I hear almost annually from a lawyer on a debt that I have satisfied and paid taxes on. I am attaching the settlement letter which has the original law firm information.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : 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 card or prepaid card

Card # XXXX XXXX XXXX XXXX According to the offer the credit card holder was supposed to receive a XXXX ( {$150.00} ) in 5/3 Bank reward points if the following conditions was to be met : {$500.00} or more purchase within 90 days of account opening. The bonus was to be awarded 6-8 weeks of meeting the obligation. The obligation ( {$510.00} ) was met onXX/XX/XXXX when the amount of the invoice was paid in full. As of today I received no bonus despite contacting the 5/3 bank twice ( XX/XX/XXXX and XX/XX/XXXX ) was being informed that the points will post in XX/XX/XXXX statement period. When I called today the CSR informed me that wanted to open another case for the issue despite the case with required follow up ( it did n't happen ) was opened already ( # XXXX ). It is apparent that the 5/3 Bank is not interested in awarding the points and it keeps stalling which in itself is a breach of contract. It is also very reprehensible that the bank employees so blatantly lie to card members which also reflects poorly on the culture within the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received XXXX in XXXX. I received a bill of over {$1600.00} from the medical facility. I made arrangements with their billing company to make monthly payments of {$73.00}. I set the payments to happen automatically from my bank account every month and did n't miss any payments. I went out of town on the XXXX of XXXX. Yesterday, XXXX XXXX, I received a call from a collector. The billing company sent me to a collector and they are asking for over {$120.00} per month. I am trying to reach the original billing company. XXXX of their representatives confirmed that he could see my monthly payments but my file had not been updated to reflect the payment arrangements made. They say they can not do anything at this point and that I have to deal with the collection agency.
Product: Checking or savings account

I put in a claim to dispute a charge that I did not make. it said it would take up to XXXX to XXXX business days to dispute it. It only took a XXXX XXXX, and I was declined for my dispute. They didnt give any information on why it was declined. So I called customer service and they still didnt give me no information on why my dispute was declined. I know I did not make that charge and Ill need some answers..
Product: Mortgage

Select Servicing is showing me as three months late in the last two years, I have NOT been late and they refuse to correct it.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these itesm? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX .... & XXXX XXXX ....
Product: Credit reporting or other personal consumer reports

Attached is a copy of the letter sent to XXXX XXXX NA. XXXX XXXX NA APPEARS ON MY XXXX REPORT XXXX  times as a hard inquire. Dates are as follows : XX/XX/XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. 

I have asked that they verify that it was me who authorized the use of my social security number and they have yet to respond. 

These hard inquires are damaging to my report and ai need them removed as they do not apply to me.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against National Credit System, for committing identity theft. I have never given National Credit System, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with National Credit System and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/23, I have not received any documentary evidence, such as a trilateral contract, giving National Credit System any right to collect on this alleged debt. 
I have never received any documentation requesting validation from National Credit System, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If National Credit System, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until National Credit System, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and National Credit System, continues its collection efforts, I will file for litigation for actual damages caused and National Credit System, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called the company and explained that my card is active but they are reporting it twice. One shows open and one shows closed. The account has also been given to collections. The card is open and current and they wont do anything to get the negative report off my credit report. I even submitted a complaint through XXXX  and and nothing happened. My XXXX XXXXXXXX CREDIT CARD IS OPEN AND CURRENT WHY DO THEY HAVE THE RIGHT TO REPIRT IT AS CLOSED AND SEND IT TO COLLECTIONS.
Product: Credit reporting

Equifax is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In acordance with the Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX XXXX ) ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

15 U.S.C 1679 a, states i have the right to dispute inaccurate information in my credit report.

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, also states, a consumer reporting agency can not furnish my account without my written instructions. 

I DISPUTED THESE ACCOUNTS WITH ALL XXXX BUREAUS AND INFORMED THEM THESE ACCOUNT WHERE REPORTING INNACURATE INFORMATION AND THAT THE ABOVE ACCOUNTS WERE VIOLATING MY RIGHTS, AND SOME MAY HAVE BEEN THE RESULTS OF IDENTITY THEFT. HOWEVER, I WAS UNABLE TO GET ANY SATISFYING RESULTS.
Product: Credit reporting or other personal consumer reports

violation of consumer XXXX XXXX XXXX correspondence I am not liable for this debt I do not have a contract with XXXX XXXX XXXX XXXX they did not provide me with the original contract as i requested
Product: Credit reporting or other personal consumer reports

I mailed out letters to XXXX, EQUIFAX, XXXX XXXX, they received them on XXXX XXXX. 
I received a stall tactics letter ( below is what was said. ) I used information that is available to everyone and they denied my letters also provided my ID and XXXX as proof it was me and used a mail service to send out the letters.

Letter from XXXX - We applaud your recent efforts to take charge of your credit. We want you to know we're on your side, and we're here to help support you on your path toward credit health. 

We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. If you're working with a third party such as a credit repair company or " credit clinic '', they have to identify themselves in their communications to us, and provide proof that you've authorized them to communicate with us on your behalf. 

It's important to know that if you see something on your XXXX credit report that you believe is inaccurate, you can dispute it easily and securely on your own for free, without paying a fee to any company. If you've hired a credit repair company and they insist on payment up front, encourage you to misrepresent your credit information or instruct you not to contact a credit reporting agency directly, they are not acting lawfully. Learn more about credit repair and your rights at transunion.com/repair letter. 

If you feel you received this letter in error, please contact us to confirm your identity and the information you wish to dispute. You may do this by visiting transunion.com/credit-disputes and selecting " Start Dispute '' or you may contact us by phone at XXXX Monday - Friday XXXX - XXXX Eastern and on Saturday & Sunday XXXX - XXXX XXXX, excluding holidays. 

You can count on us as a resource as you work to achieve your credit health goals - we want you to be able to get the financial opportunities you deserve. 

Sincerely, Your TransUnion Support Team Please do not reply to this e-mail. This mailbox is not monitored and you will not receive a response. 

FCRA states that all Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Upon receiving notice, the documents sent are certified mail.
Product: Checking or savings account

On XX/XX/XXXX, I deposited {$260.00} cash in an ATM machine at Citibank on XXXX XXXX, XXXX XXXX, CA. The machine ejected {$40.00} and then stated it could not complete the transaction and that I could get the rest of my money back ( {$220.00} ). 

I talked with a manager named XXXX who said that Citibank would open a case and review the situaton. I asked for the {$220.00} to be returned to me and she said the bank could not do that. She also said that the review would take 5 - 7 business days. She also said she would contact later that day with an upate. 

It is now 8 business days since the transaction occurred and neither the manager, nor anyone else from Citibank has contacted me. And I am still missing {$220.00} from my account. 

I think it is very unfair that, because of an issue created by Citibank, I am made to feel like I am not to be trusted and I am still waiting for a legitimate deposit to be verified. Even now, if the money was placed in my account, I am still upset it has taken this long.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE CONTACTED THE BUREAUS MULTIPLE TIMES REGARDING THIS ACCOUNT. PROVIDING DOCUMENTATION OF WHO I AM AND WHERE I'VE LIVED INFORMING THEM THAT THIS ACCOUNT HAS NEVER BELONGED TO ME.
Product: Checking or savings account

My account was accessed without my knowledge and {$1500.00} and {$1200.00} was transferred from my account through XXXX to random people.
Product: Student loan

In 2022, I joined a XXXX XXXX XXXXXXXX XXXX with the goal of becoming a XXXX XXXX. I was promised access to a XXXX XXXX XXXX XXXX XXXX, and I thought this program would help me shift my focus toward a stable career path. Hoping to land a job soon after graduating to help me pay off a {$20000.00} loan, I took the leap. Coming from a background as a XXXX XXXX in a low-income household, supporting my wife and myself, I believed this investment would lead to better opportunities. 

However, after completing the XXXX, I was laid off three times, leading to significant stress and XXXX. The monthly loan payment of {$850.00} quickly became unmanageable, and I had to stop making payments because of the financial strain. I never expected this outcome ; I thought this program would open doors to new career opportunities. 

Instead, what I hoped would be a quick path to success has only led to stress and regret. My aunt, who co-signed the loan, has also been affected, with the impact reaching both our credit scores. Unfortunately, this has caused a serious rift in our relationship that feels difficult to repair.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/ I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late closed, charge off and collection. I have tried numerous times to have this situation resolved with no resolutions. Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Over the last year I have contacted XXXX about the error on thier discover entry on my bureau. I have also contacted discover. This account is full of errors as I have always paid on time and am still today. 

The attached letter indicating my account being erroneously reported has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

We opened an account with Citibank They promised XXXX Bonus if a balance of XXXX for 90 days and it's now over 7 month and they do not respond to calls in regards to the bonus.
Product: Mortgage

I was in the process of obtaining a mortgage loan from Quicken Loans. At one point a representative from their under writing department stated to me " because you are so young, we believe you 're going to use this as an investment property ''. So I firmly believe they treat " younger '' people   as liars. Additionally, if those are normal underwriting practices, it makes it unfair for " younger '' borrowers. Towards the end of this loan I encountered another issues. I received news from them that the loan woul d be declined , two differ ent representatives told me the decline reason was because the property was " unlendable ''. Which if its a rule due to it being a condo I am fine with it. But what I am not fine with, is them giving me a decline letter that states the reason for decline is because my debt was too excessive. So miscommunication or misinformation is another issue.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX have failed to respond to my dispute letter from almost XXXX ago. On XX/XX/year> I sent the letter notifying them of inaccurate and unauthorized information on my report along with a request for debt validation documents for XXXX unknown collection accounts. By not responding within the 30 day time frame required by the FCRA they have violated my rights as a consumer.