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

These collection account where not deleted and they where in the past COLLECTIONS XXXX XXXX XXXX  Opened XX/XX/XXXX {$670.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount.

Balance {$670.00} Highest Balance {$670.00} Opened XX/XX/XXXX ( 3 yrs, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX  See an error?

DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX.

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX  ( XXXX ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$600.00} Original creditor : XXXX XXXX Overview You've paid off -33 % of your collection amount.

Balance {$600.00} Highest Balance {$450.00} Opened XX/XX/XXXX ( 5 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX See an error?

DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX.

DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX  ) XXXX
Product: Vehicle loan or lease

My car was repossessed. I would like to receive via email copies of all the documents, including the retail installment agreement and notice of repossession and deficiency, for my lawyer to review.
Product: Checking or savings account

I held money in my savings account with intentions on using the funds for a large purchase the sum was XXXX XXXX Upon moving the funds to my checking because they were still available to me, from what Ive been told, Navy Federal also withdrew the full amount of my savings and moved it to my checking without my knowledge or approval. This made my Savings negative. I have no proof of the funds being used and no answers as to why such a large amount was moved. When trying to talk to Navy Federal a woman just told me thats their policy and hung up on me. Now they are threatening to charge off my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX XXXX and both XXXX  and Equifax came back and verified it as valid. It is my belief that E-OSCAR was their mode of verification and a valid investigation was not done. Credit bureaus and creditors must take certain actions in response. Their duties include conducting a reasonable investigation of my dispute, correcting any inaccurate information, or even removing the disputed debt from your credit report. It is my belief that bothXXXX  and Equifax did not review the evidence presented or even contact the furnisher. I submitted a direct dispute to XXXX XXXX XXXX on XXXX under the under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4 and I  advised them should they find the disputed information to be inaccurate or incomplete, or if Scribe can not verify the accuracy or completeness of the disputed information, they are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. Identification of the specific information being disputed : XXXX XXXX XXXX as shown on my Credit Reports, is showing incorrect information. 

I gave 30 days to validate. But they MUST cease collection efforts, and that includes reporting to the CRAs on myself and the joint responsible party. They are also not allowed to list the debt on my credit report after receiving this dispute, please delete promptly. I asked that they can not call, write, sue, or continue reporting to the CRAs. 

Basis for dispute : I was asked by the owner to take over the lease early from the existing tenants due to their inability to fulfill their financial contractual obligation. However, we never received any documentation of what issues or damages were made by them before we moved in. These damages belong to the original XXXX primary lease/account holder ). 

We paid a deposit between the amount $ XXXX {$1500.00}. For this alleged debt, no document of where that deposit was applied was ever reported. We never received the deposit back. This reported balance is incorrect ( agencies Equifax, XXXX  and XXXX ) Date first reported XX/XX/XXXX ( Equifax, XXXX and XXXX ) is incorrect. 

Copies of all maintenance requests that were made from the original tenant that we took over the lease for plus our requests/approvals from the owner until our lease term ended was never provided to myself or the joint responsible party. 

Unauthorized charges were made due to the vendor invoices from each vendor that was used upon move out to fix alleged damages. 

Scribe violated my rights by not responding because they knew they had not ever notified or validated the debt they contacted a " collection agency '' 10 days after I told them no further collection efforts should be made until validation deadline XX/XX/XXXX. This is completely
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

wakefield and associates are attempting to collect a debt, they are not authorized to do business in georgia and they have not provided verifiable documentation acknowledging that this is my account. I have no knowledge of such debt. This has caused a negative effect on credit files.
Product: Credit reporting

I contacted Experian multiple times in regards to having these unauthorized inquiry delete it off my credit report. Having these inquires on my credit report has lower my score significantly. I also have n't been able to get a line of credit with any one because of the matter.
Product: Debt collection

This is a XXXX account that was paid. Upon initial service they installed a defective channel box that was not compatible with my broadband internet service. About a week later the technician came out and replaced the defective box with a new one and he took the defective box with him. A couple days later I received a XXXX box with a shipping label. I called them and they told me to send the channel box back to them and I told them I was a new customer. They then billed me for the defective box. I made many attempts to settle the situation with no success. I notified them that they were in default of contract and I terminated service and then sent the remaining channel box and all equipment back to them. I have all the documentation to verify my statements are true and correct. You may reach me at XXXX direct or XXXX office or XXXX.
Product: Mortgage

My Chase Mortgage Statement has XXXX payment options. I was reviewing the option to pay the mortgage off in 20 years but the payment amount indicated on the mortgage statement did n't make sense. I manually calculated the payment and came up with a payment roughly {$2000.00} less each month. I checked and rechecked, assuming I made a mistake. Then I phoned Chase, the customer service agent pulled up her copy of my statement and insisted the statement was correct. As we continued the conversation I explained what I thought was incorrect and eventually she manually calculated the payment herself and admitted the statement had bad information. However, this loan has been an interest only loan so the principal amount has been about the same throughout the last nine years. She then went on to tell me the 20 year amortization is actually based on 12 years. I questioned that since the statement says it 's based on 20 years but she said the calculation was fixed at the time of origination and that would have been the payment if we had started making the 20 year payment at the time of origination. That does n't make any sense and is misleading. There is still 21 years left on the mortgage and basically no principal has been reduced so 20 years should be 20 years and not 12. I think their making excuses for a glitch in their mortgage statement and instead of admitting it was an error they 're trying to say 20 is actually 12 years.
Product: Credit reporting

XXXX financial institutions have provided me with credit score information disclosures. 
Upon reviewing this information, I found that several key factors continue to be reported. These are identical to disclosure received in XXXX 2015, XXXX 2015 and XXXX 2015. As of this day I have not received any response to complaints submitted through CFPB and several letters to the credit bureaus. After reviewing credit reports, it has been found that credit reports do not support any of these reported key factors. 
-There are no serious delinquency -time since delinquency is too recent/unknown. this is a bogus comment and must be removed. 
-number of accounts with delinquency. There are no delinquent accounts. 
Proportion of balances to credit limits is too high on bank revolving or other revolving accounts. This is totally inaccurate. XXXX accounts have been paid off. balances on other accounts have been significantly reduced, due to increasing minimum payments. 
- I have written credits on inquiries informing them that I do not recognized and request that they be removed. 
TRANSUNIONS credit files does not support latest credit scores. These scores continue to drop.
Product: Debt collection

this 3rd party company did not Validate this information with whomever is REPORTING this information about me and provide FULL DOCUMENTATION associated with this including my signature that contractually binds me to this account above. As asked in previous disputes to the CB they have yet to provide the information that i have asked for under my rights of the FCRA. they sent me one letter that has not verified no contracts signatures or anything and it looks like they typed the letter themselves they are harassing me by phone and via mail to collect a debt that i have no knowledge or and i have no idea how this company got and of my personal identifying information i have sent letters the the collections bureaus requesting validation which was received by all CBs because i sent via certified and i have all my return receipts i am sending directly to them via certified on XX/XX/2018 i have copies of all letters sent and information sent to me
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX  XXXX Account Number : XXXX
Product: Payday loan, title loan, or personal loan

On XXXX I received an email from shop-pay saying my loan had been charged off. Since then I have received for XXXX emails from XXXX consistent names. XXXX XXXX and XXXX XXXX have both harassed me via email claiming to represent True Accord in an attempt to collect the alleged debt. I have never had any contact with True Accord or done business with them before. In addition to this shop-pay is consistently denying my creditworthiness because of this decision. I know this is unlawful to me as a consumer.
Product: Debt collection

First Progress Card was opened as a result of identity theft. I have placed a fraud alert on my credit reports and filed an identity theft report. I sent a dispute with my identity theft report to all three bureaus. I have attached the tracking numbers to my letters and the identity theft report as well.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a car from XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Their phone number is ( XXXX ) XXXX. During the transaction I let the representative from XXXX know that I was already pre-approved from my bank, Randolph Brooks Federal Credit Union. He stated it was fine but that we were going to finance the car through XXXX and then have title switch the loan over and it would be fine as long as it was done within 3 days. The following Monday was XXXX XXXX On Friday XX/XX/XXXX I called to let RBFCU know that I already bought a car with XXXX but let them know they needed to transfer it into RBFCU 's name. RBFCU stated they called the XXXX representative and sent them an email for the loan pay off information and where to send the check to. The following month I found my loan on the RBFCU website and started making payments on XX/XX/XXXX. Since then I have made every payment through the RBFCU website and have been on time. 3 payments have already been made for the car at the time of writing this. XXXX called me on XX/XX/XXXX at XXXX wnd stated they are putting my car up for repossession as they have not received a payment for the car. I stated to them that I have already made payments through the RBFCU website but XXXX stated they are the lein holder and not RBFCU. I have called my bank and I have called XXXX to try and get the loan and title out of XXXX name into RBFCU but both the bank and the dealership do nothing but point fingers at each other when my credit has been hit for being 60 days late, my credit shows 2 loans for the same car in my name, my time has been lost over 2 days trying to get the two companies to talk to each other, and neither are willing to accept responsibility to move the title and name the proper bank on the loan.
Product: Credit reporting or other personal consumer reports

Insurance that i wasn't found at fault for is reporting on LexisNexis report. 

Claim date XX/XX/year> needs to be removed. 
Claim date XX/XX/year> needs to be removed. 
Claim date XX/XX/year> needs to be removed.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I sent written instructions expressing my decision to opt out of having MOHELA/DEPT OF ED reporting on my consumer report. I no longer want the experiences and transactions between XXXX/DEPT OF ED and I reporting on my consumer report. XXXX, Experian, and XXXX are unaffiliated third parties to XXXX/DEPT OF ED. XXXX, Experian, and XXXX have no right to post incomplete information furnished by XXXX/DEPT OF ED that I have previously disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 i sent Equifax a letter regarding inaccurate and unknown items on my credit report. This is not a regular dispute I have been waiting over 60 days now for a response from Equifax. I do feel as if I am being taken advantage of and my concerns do not matter. I understand by law that I should have received a response in a 30 day period yet its been well over 60 days and I havent received anything. I demand these accounts be removed for that specific reason. I will be filing for litigation if these matters are not addressed appropriately. My information was impacted in the Equifax data breach as well so information could have landed in someone with malicious intentions.
Product: Credit reporting or other personal consumer reports

There are some inconsistencies with account XXXX XXXX XXXXXXXX The high credit states XXXX which is inconsistent with XXXX XXXX XXXX as they show {$10000.00}. Please correct this as according to the FCRA my credit report should be 100 % accurate. 
It also states that I was XXXX days late XX/XX/20XXXX XXXX XXXX  days late XX/XX/2023. 
I have never been late on this account since opened. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. The account above was never late and should be listed as current for the months listed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX pull my credit on XX/XX/XXXX, XXXX resulting on a hard inquiry. 
I did NOT AUTHORIZE this and its now showing up on my credit. I think it maybe fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several disputes to all three consumer reporting companies, Transunion, XXXX, and XXXX for well over 4 years now. I have sent supporting documents that these are not my account all related to identity theft. I have been classified as having a mixed file for over 10 years, however they take the accounts off and then put them back on my report without legally notify me before doing so. These companies are only out for the creditors they do absolute nothing to help the consumer even after you send in supporting documents that they ask you yo send in. I would respectfully like them to do more research before assuming the consumer is wrong. I have requested documents stating how they verify the account but have not received the information, and verify the address, name matches isn't variable documents. I need the original agreement, contract and a copy of my legal signature, in which I know they can't provide since the accounts are fraudulent. I also contacted each creditor and have not received responses from them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Credit reporting

I check my credit report with Experian regularly and there is a negative account on my report. I have disputed this with Experian but they say that they can not see this on their end but it comes up on my credit report and they have not fixed it. I always ask which account is negative and they can not provide me with an answer. Every time i dispute this with Experian they ask which account it is that i am disputing. I have no access to that information because on my report it only says that i have on negative account but it does not tell me which account is negative or by who. I am frustrated as i have been disputing this for more than 3 months already.
Product: Debt collection

I moved out of an apartment complex call XXXX  at XXXX XXXX on XX/XX/2021 and requested an itemized bill. I also provided my forwarding address and the manager replied they would send me an itemized bill when it was ready, but they sent my account straight to collections without sending me any notification via mail, Email, phone, nothing. I also had a coapplicant And they did not contact him either with the itemized bill or past due balance or anything. The only reason I saw it was because It appeared on my credit. I sent them all my emails requesting bill information and they never responded they ignored me and sent my account to collections.
Product: Credit card

I had XXXX credit cards with Chase bank. All XXXX were closed by Chase for " business reasons ''. No late payments all payments on time and they closed my accounts. 
I contacted them and no one could give me a reason.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Outdated Information Under FCRA Section 605 ( c ) Dear Experian XXXX, I am writing to formally request the removal of outdated negative information from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605 ( c ). This section limits the time during which adverse items may be reported.

According to my records, the following account ( s ) should no longer appear on my credit report as they are past the allowable reporting period : Delete All Account Date of First Delinquency : XXXX Date ] Description of Negative Item : [ Late payment, charge-off, etc. ] As this information is now beyond the statutory reporting period of seven years ( or ten years for bankruptcies ), I kindly request its immediate removal from my credit file.

Please provide written confirmation that this information has been removed from my credit report. If you do not comply, I may pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ).

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/2019 I purchased furniture from XXXX XXXX XXXX XXXX in XXXX, NJ using my PNC Bank Credit Card. When they came to deliver the furniture it was used furniture, so I declined the delivery and did not take possession of the goods. I called and visited the store to try to work things out with them, but they where not helpful. I contacted my PNC Bank Credit Card and advised them of the problem and they said that they would put a hold on the transaction and investigate the matter. In the mean time, XXXX XXXX XXXX XXXX went out of business. PNC Bank Credit Card declined giving me a credit claiming that their investigation revealed that there was no billing error. I strongly disagreed and sent them another letter with another copy of the sales receipt as proof that I did not purchase used or " Floor Sample '' furniture. PNC Bank Credit Card has not replied to my second letter requesting that they reconsider or advising me of their appeals process or supplying me with the documentation that they used to deny my claim/credit.