23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX, XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Debt collection

Today, i learned why credit scores dropped. It was a collection on my report from FIDELITY CREDITOR SERVICE. I have no idea of this company nor of the debt they bought from a medical office. I was unware I even had a debt as I have always have medical insurance and the medical office have had this information when I went there once. This is very wrong of FIDELITY CREDITOR SERVICE to just add a collection to my report without my knowledge and I am angry as i read into it I found out this from the CFPB website : On XX/XX/2022, the national credit reporting companies voluntarily announced that they would no longer report certain additional medical collections ( Medical Collections Reporting Change ). Specifically, the companies announced that starting on XX/XX/2022, the time before unpaid medical collections can appear on a consumers report will be increased from 180 days to one year They have no right to collect on a debt that I am not even aware of. No calls or letter was sent to my home address and please reference the above as well that they have 1 year to even report this medical collection that is under {$500.00}. 

Thank you. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX committed and wrongfully placed information on my credit report that does not belong to me. I have contacted the company several times and requested that they send pertinent information that corresponds to validating my identity to prove that I have an account with them. THEY HAVE FAILED TO PROVIDE any documentation whatsoever showing that this account belongs to me. They have violated the FCRA regulations in reporting information that does not belong to me to the credit reporting agencies XXXX, XXXX and Equifax. Furthermore, I have contacted XXXX, XXXX and Equifax as well in which none of the the credit reporting agencies have submitted information proving that this account is mine. I asked them to remove this fraudulent account and they have also failed to do so. I have filed police reports and an affidavit to validate my claim. I have sent out certified mail to you all parties several times and have received no results.
Product: Student loan

I have tried to call Aidvantage customer service to cancel a consolidation loan application for 5 days straight. I have sat on hold for a total of XXXX hours. I have emailed them and have not heard back. I requested XXXX call backs. They will call me back and put me on hold. I have yet to speak to a human being. According to their website, this is the only way to cancel my application. The latest call back was scheduled for 24 hours in advance and they still put me on hold. I can not resolve my issue.
Product: Debt collection

To Kimball, Tirey & St John LLP, On XX/XX/XXXX, I received a collection letter from Kimball , Tirey & St John LLP. In the letter, they believed I owed an individual named " XXXX XXXX '' in the amount of {$1500.00} in XXXX. Kimball, Tirey & St John LLP asked me to respond by XX/XX/XXXX to dispute this claim if I wish to. 

On XX/XX/XXXX, I sent certified mail stating why I do not owe this money and asking for a Debt Validation Letter. I then contacted Kimball, Tirey & St John LLP, who confirmed that they received my letter. I was told by XXXX XXXX, my case agent, that he would send out a debt validation letter, and I should receive it around XX/XX/XXXX. I have also sent out certified mail and asked for the name and address of the original creditor. 

I have a USPS notification set up, and I would receive a scan of my daily or future mail cover. I received a cover of the first mail ( notification ) but nothing from Kimball , Tirey & St John LLP since I sent the certified dispute letter. I also check my mailbox daily, and nothing was sent by Kimball, Tirey & St John LLP. 

On XX/XX/XXXX, I still had not received a Debt Validation Letter from Kimball, Tirey & St John LLP. On the morning of XX/XX/XXXX, I received a notification from my XXXX credit bureau that Kimball, Tirey & St John LLP had posted this amount as a " collection '' on my personal record and damaged my credit significantly. 

I called and asked XXXX XXXX how his company could post this as a " Collection '' on my account if I had not received any Debt Validation Letter. The response I received was that, " we sent it out on XX/XX/XXXX. '' I asked if there was any proof that it was sent, such as if it was a certified mail or any receipt. The answer I received was " no. '' I was also told that he had acted within the law to post it to my credit bureau. I find it strange because I received no Debt Validation Letter and no proof or evidence of it ever being sent to me. At his time, I do not believe the action of Kimball, Tirey & St John LLP was within the law. 

A collection agency, especially one that has the ability to damage one 's credit, should know that evidence/proof is crucial. 

I also find it strange that the initial notice letter arrived without any issue, but when I asked for the debt validation letter, suddenly, there was an issue, and I was not getting it. 

I have asked Kimball, Tirey & St John LLP to send me the debt validation letter and the name/address of the original creditor on XX/XX/XXXX, but I do not know if I will receive it based on this incident. 

Regardless, there is no proof/evidence of why I should pay for something that there was no proof I owe. Without the requested information and having posted this as a " collection '' to my credit account, I believe they have acted with malicious intent by using this threatening tactic to damage my credit in order for me to pay for something without validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank XXXX XXXX ) has failed to report a closed account, issued a " check '' in an effort to trap me into bank fraud & has failed to refund a hot tub sold by someone on XXXX because both companies are corrupt. {$750.00} compensation & many violations need/have occurred
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I received a copy of my credit report and found a host of inquiries that i was unaware of that I had pulled during the purchase of my car last year as well as other inquiries from loan requests. I'm hoping to get these inquiries removed as they are affecting my credit and my ability to further my credit abilities any help is greatly appreciated. 

XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  Equifax XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an accounts passed on that should be taken out or Block. Per FCRA you are expected to delete this accounts.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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

My card was lost and there was an unidentified charge made to XXXX of XXXX. I disputed it, and I received a chargeback on my account.
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 XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have update my address with Experien, XXXX, XXXX, XXXX, XXXX   XXXX, XXXX, XXXX and XXXX and the three credit bureaus, XXXX, Experian and XXXX  will not report my current Address. I also have disputed negative unverified accounts with Experian, XXXX  and XXXX  and they come back reporting account was verified but have not sent any proof of Verification and how did they verify my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act GM Financial has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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.
Product: Debt collection

company name XXXX- is trying to collect monies for service we did not sign up for- we have expressed this to XXXX as well as the multiple collection agencies they have sent towards us. we keep asking for a contract or any signed agreement from them, however - there is none since we have never signed up for one. This company XXXX is relentless in collecting for debt we do not owe, this issue is going on since 2019 and needs to stop. They have threatened us many times saying we will be reported to multiple credit agencies- ruining our credit with banks hurting our lines of credit - this needs to stop. Show us a contract or any agreement from XXXX and our company and we will be glad to pay it. 

i am reporting XXXX - as they are the ones sending collection agencies to call us XXXX all we have been provided with is invoices - but no contract - no agreement- we are asking for a signed agreement showing us we signed up for there service which there is none.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Fraudulent Accounts and Inquiries under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the immediate blocking and deletion of the following account from my credit report, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to request the removal of fraudulent accounts resulting from such breaches. 
Account Details : XXXX XXXX Account Number : XXXX Date Opened : XXXX Amount : {$2100.00}
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/year> we had a house fire. We have been following the process but Wells Fargo insists on holding funds while the XXXX XXXX fire adjuster, inspectors, and contractor have the house at 80 % complete. 

Yesterday we spent two hours with three of us on the call to get the release of the funds as they should with the house at 80 %. Wells Fargo based on money received not using the XXXX XXXX adjuster sheet as they have claimed is not releasing the actual value. 

This has caused contractors to walk off the job, more costs to XXXX XXXX for additional housing, and additional costs for power and water to two properties. We should have been in our house before XXXX and now we are looking at XXXX at the latest. 

This can not continue. They are putting a lot of red tape in the way to get a resolution. We can not contact any decision maker by phone and their steps for resolution cause monthly delays in this house getting back to normal. 

We need this money released and this continues to not only put a hardship in place continues to keep this open wound alive.
Product: Debt collection

Had a Citibank " Citicard '' with a {$200.00} secured credit limit opened the account with them on XX/XX/XXXX. Covid-19 hit and I lost my employment and was un-able to make the payments on the account. Last payment to them was made in XX/XX/XXXX. Now they claim I ran a total up to {$780.00} in charges/fees on a card with a {$200.00} limit, and subtracted my {$200.00} deposit made, which has left me with a suspiciously high amount of {$580.00} due. I contacted Citi multiple times in the last year to try and resolve this matter, and in return asked that they remove the account or atleast send me a verification letter in writing, that they had agreed to the amount of {$280.00} in XXXX of XXXX. Never recieved any letter from them and they proceeded to sell the debt to XXXX XXXX XXXX ( which is directly related to Citi ), in XXXX of XXXX. I called Citi once again asking to negotiate a settlement with them and they sent me to XXXX XXXX, which I came to an agreement on settling for {$200.00}, and in return they would remove the account entirely from my report/or would at minimum report the account with a {$0.00} balance due and satisfied and no longer obligated. I settled with them on XX/XX/XXXX and was finally given an emailed settlement letter on the XXXX of XXXX. They also mailed a physical copy which I recieved on the XXXX of XXXX. I have disputed this multiple times with them and they refuse to honor their part of the settlement agreement and its effecting my score substantially while Im trying to get a mortgage. I have disputed on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX They have failed to uphold the agreement and do as they said they would. I have settlement letters and recorded phone calls with them as well.
Product: Debt collection

I was charged for Service with XXXX when technician never came out to install service. 

I called to order service from XXXX on XX/XX/2019. I was notified that the technician would be late but the technician never came. Then I was rescheduled to install service on XX/XX/2019 and a technician never came. Then I was rescheduled to XX/XX/2019 and no one came. Then my installation was rescheduled to XX/XX/2019 and I waited for a technician to come and they never came. I was then notified that the order was completed on XX/XX/2019 without a technician ever coming to install. I then called XXXX to tell them it was not installed and the operator remarked it was strange and that they will investigate and remove the service. Then I get a bill for the service and I called XXXX again and they said that they are going to remove the charge. I later get a collections from this " Service '' I have never received. I called to dispute and nothing came of it at first.
Product: Mortgage

On XXXX XX/XX/year> Wells Fargo sent an Escrow Review Statement indicating my escrow account had a shortage of {$9900.00} and stated that my mortgage would double from {$1300.00} to {$2700.00} on XX/XX/year>. 
Starting in XXXX I made several calls to agents to determine how the escrow had increased substantially. Agents informed me that the escrow account included the property taxes for two parcels. That information was incorrect because the two parcels were separated by a Partial Release before the closing of the refinance of one property was completed. Wells Fargo and the Title company had failed to present the Partial Release for filing with XXXX XXXX. 
After Wells Fargo recognized its internal error, they sent the Partial Release documents to me to be filed with XXXX XXXX. The document was filed and returned to Wells Fargo in XXXX. The Bank failed to complete the recalculation in time for the XXXX payment. The XXXX payment with the adjustment should have been {$1900.00}, instead it remained at $ XXXX {$800.00} more than it should be. 
Calls to the Executive office on XX/XX/XXXX have not yielded the desired correction of the mortgage amount. The Executive office could not provide a specific time when the problem would be resolved. 
This has caused grave inconvenience, financial strain, and absorbed countless hours speaking with numerous escalation specialists and personnel in the Executive Department.
Product: Student loan

My mortgage lender uncovered that my student loans were being reported as being in collections as of XX/XX/XXXX, even though the accounts had been transferred through the XXXX XXXX XXXX, effective XX/XX/XXXX. Through this program, my loans should have been removed from collections. I called Nelnet twice on XX/XX/XXXX to fix this issue. The first agent I spoke to told me that the loans were not reported as being in collections The second agent I spoke to told me to upload the credit report and reach out to the XXXX XXXX XXXX for more information. The website said that it would be 24-48 hours before Nelnet would be able to see the uploaded document. I uploaded the report that day ( XX/XX/XXXX ) and called the XXXX. The XXXX  sent me a letter confirming the transfer of the accounts and that the debts were settled, as well as a letter stating that I was disputing what was being reported to the credit reporting agencies. On XX/XX/XXXX, I called Nelnet to confirm that my document had been received and to explain to them why I had uploaded the credit report, as there is no space for comment on the page where documents are uploaded. The agent took note of what I said and told me that an inquiry had been opened on my behalf, and told me to upload the letters from the XXXX  as well. I did as instructed and waited for a response. On XX/XX/XXXX, I found a letter in my mailbox dated XX/XX/XXXX that stated my inquiry requires no adjustment because I had provided a lack of sufficient information. The agent that I spoke with on XX/XX/XXXX had said that the inquiry was open, even though there was record of it being closed. When I called Nelnet on XX/XX/XXXX to ask about the letter I had received, I was informed that the agent I had spoken to on XX/XX/XXXX also marked my inquiry as needing no adjustment, even though new documents had been uploaded. As I am under contract to purchase a house, I need to have this issue resolved expediently. A new inquiry should have been opened on XX/XX/XXXX, but it was not. According the the XXXX XXXX program, the debts should have stopped being reported as collection accounts XXXX days after signing up for the program, which I did on XX/XX/XXXX.
Product: Checking or savings account

I tried open account with this unprofessional bank. They close it with no response or reasonable explanation. They took from me over XXXX & and holding it You need to force them to open account as they dont have the write to discriminate me!
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased 3 tickets utilizing my Goldman Sachs Apple Card ( attached ). The event was scheduled for XX/XX/XXXX in XXXX VA. Upon arrival to the venue I noticed that my view was obstructed. I immediately contacted XXXX XXXX to advise that my view was obstructed. XXXX XXXX notified me that no refund is given after the event starts ( attached ). Although their policy ( attached ) states the if a view is obstructed it will be noted on the tickets ( attached ). I initiated a dispute with Goldman Sachs on XXXX XXXX, my dispute was denied. I then initiated a 2nd dispute in XXXX that was also denied. XXXX XXXX did not provide the service that I paid for, which were tickets with an unobstructed view.