23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Mercantile adjustment bureau account XXXX is trying to collect a debt from me I sent them a letter XXXX for the original purchase agreement to show that they can legally collect this alleged debt proof that the debt was assigned or a receipt between them and XXXX XXXX XXXX  .Mercantile adjustment retail is the creditor report inaccurate information on my credit report they should have signed documentation between me and them.so if they cant provide me with these documentation l ask them to delete this account immediately as am a victim of identity theft as this account is hurting my credit rating.l have no account with Mercantile adjustment bureau or ever had one with XXXX XXXX XXXXXXXX XXXXBut if I did have a account with XXXX XXXX XXXX not saying I do I never gave them permission to sale the debt to Mercantile adjustment bureau . Mercantile adjustment bureau have 15 days to provide me the documentation I ask for if not I will file a lawsuit against them for damages and defamation of character l never got a notice or anything in the mail.
Product: Debt collection

I received a bill for a medical debt that was supposed to be under review with my insurance. I was charged OUT OF NETWORK for an intensive care unit trip that I HAD NO ABILITY TO CHOOSE where to go. They took me to XXXX XXXX. I am a full time employee for the XXXX XXXX XXXX XXXXXXXX. I was found XXXX and the ambulance took me to the closest XXXX  ( which at the time president trump had already signed the no surprise billing act but the date it went into effect is unclear ) I was brought to the XXXX XXXX XXXX and after becoming XXXX  with my family there, I asked to be sent to thXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I was stable, clear headed, and capable of making decisions. They told me I had to stay in the XXXX  but their XXXX  was full. I asked again if I could have my family take me and they refused and said I needed to get taken by ambulance ( another XXXX I paid ) to their other XXXX XXXX XXXX XXXX. I said I can not go there I will not be able to afford that. My father said I can drive him there at least and they refused again. I have been disputing this out-of-network debt ever since, and all the sudden without notice I am getting a letter from IC Systems medical debt collections . I thought they were still working on my bill? I have very good insurance this has to be a mistake. I can not afford another monthly payment type situation I am drowning in bills as is. It is not fair that I was brought and forced to stay at XXXX XXXX when they knew I had XXXX XXXX XXXX insurance and had even asked for that. This amount of {$3900.00} is not correct. I would have and should have met my out of pocket max, I can not and will not pay this because it is not correct. Please help me! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : Inaccurate and Unverifiable Accounts Listed on My Credit Report Per the Fair Credit Reporting Act, 15 U.S.C. 1681, please physically verify and validate as required under the FCRA ALL of the following data on all the below accounts : ALL DATES, FULL ACCOUNT NUMBER, ACCOUNT STATUS, PAYMENT STATUS, ACCOUNT BALANCE, HIGH BALANCE, TYPE OF ACCOUNT, CREDIT LIMIT, DATE OPENED, MONTHLY PAYMENT AMOUNT, PAST DUE AMOUNT, ORIGINAL AMOUNT OF TRANSACTION/LOAN, DATE OF LAST PAYMENT, DATE OF LAST ACTIVITY, AND REMARKS. 

XXXX XXXX services {$470.00} XXXX {$19.00}
Product: Credit card

On XXXX/XXXX/2015, I called Target to cancel my Target REDCard. The agent I spoke to XXXX would not listen to my request to close my account. He refused to close the account and despite my many interruptions, he continued to suggest reasons why I should keep the account open. I continue to repeat my desire to cancel the account and he continued to ignore me. I put my husband on the line because I was too uncomfortable to continue the conversation. XXXX would not cancel the card for my husband either. He continued to ask for me to be put back on the line. My husband made it very clear that the card should be cancelled and only then did I get back on the phone. XXXX then proceeded to pressure me more to keep it open. I gave the phone back to my husband and my husband asked if we could speak with a supervisor and XXXX refused stating only that I could make the request, not my husband. Finally we hung up, called back and spoke with another agent. The new agent attempted the same route, but we were more forceful this time and did not allow he representative to do anything but cancel. We spoke over the agent with each continue pressure tactic and stated that we needed to cancel immediately. We had to repeat the request to cancel over XXXX dozen times to make sure the agent did not continue the refusals.
Product: Debt collection

Sent a letter requesting validation that the debt is mine with a signature or contract between them and me in XXXX of 2020. They have yet to respond.
Product: Debt collection

Blitt and Gaines represented they could take a settlement agreement for XXXX XXXX. They required that I provide bank account information so they could withdraw money for one year. They never gave me any proof of the debt, they never gave me any receipts for payments, they withdrew money without my permission and amounts without my permission and times without my permission and XXXX XXXX has not been able to produce any information regarding these payments. They withdrew over {$6900.00} and no one can account for this and I still owe money now without any information on why I owe or where the money I paid went to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$220000.00}, XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

The following accounts have unauthorized charges made to them which are : XXXX XXXX XXXX XXXX &XX/XX/XXXXXXXX XXXX. 

The CFPB sues Experian for Sham investigations.Experian conducted sham investigations rather than properly reviewing the disputes as required by federal law, Experian routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, Experian sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent.
Product: Credit reporting or other personal consumer reports

Victim of ID theft, my information has been compromised for years. I continue to battle with the credit reporting companies regarding these fraudulent accounts. Please help me remove these accounts.
Product: Credit reporting

Experian has failed to comply with federal and state of California consumer laws. 
Experian has violated sections 611 and 609 of Fair Credit Reporting Act.
Product: Credit card

Kohl 's sent me a new store credit card. They are apparently doing this to everyone. I didn't ask to be issued this card and furthermore there is no information sent with the card or on their website about the apr or other terms I believe are required by the truth in lending laws. Don't they have to provide this information if they are sending me a new card? They even give a website for more information and know where there does it discuss the APR or anything else either. This seems deceptive and should be addressed online and in the materials that come with the card. 

XXXX
Product: Consumer Loan

I paid this loan on XX/XX/XXXX. The company updated my reports as paid an it was reflecting correctly. I got a notification on several of my credit reports that it was re added to my credit report as a XXXX account. This dropped my score XXXX points which is unacceptable. I called the store to see if the could fix it before I did an compliant and she could not which is ridiculous. This is against the law you annoy re add at debt after it has been paid.
Product: Student loan

In 2006 i took a loan for XXXX with XXXX XXXX XXXX, my grandmother co-signed the note. As of this date i have not been able to find full time employment and although i was on an interest only plan for 2 years and also deferment at one time, the loan has become past due. I contacted AES and was told that XXXX owns the loan and that they have no there options for me, resulting in negative reporting to my credit file, which has negatively affected me when i apply for jobs. 

I have called AES ON numerous occasions requesting proof of transfer of my loan to XXXX, i never received anything and was told via email that they were unable to provide me with same ( copy of email attached ). 

My grandmother is in the XXXX XXXX XXXX  XXXX and can not help me. My mother has been assisting in payments but she is on XXXX and is limited in what she can do. 

I have been making payments for a while now and nothing has come off the principal of the loan and i now owe in excess of 57,000 dollars on a XXXX loan. i need help. 

The interest rate has gone up again and my payment will now be more than the {$460.00} i currently pay and i can't afford that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX say that I was per approved for different credit cards but I was turn down for every application.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX 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

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


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

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

XX/XX/XXXX I wrote Selene Finance on the following : Loan # XXXX I closed on this modification XX/XX/XXXX and on my monthly statement one year later, XX/XX/XXXX they billed me {$210.00} for lawyer fees on this modification. My husband made the payment and did not notice this charge. Selene refused my request on phone for refund of this amount. I told them you can't come back one year later and say opps ... my lawyers are charging a fee. Not reasonable. I closed in my name and Selene did not change their records UNTIL XX/XX/XXXX Statement due XX/XX/XXXX. All this time I made the payments to XXXX XXXX name on statements. These people just can't get this modification right. I have to complain all the time. 
My escrow account is all messed up also. Yearly total incorrect. XX/XX/XXXX statement shows {$710.00} with XX/XX/XXXX taxes paid on your behalf segment as {$210.00} - this is contradiction that it was an attorney fee which I paid because they added it to my monthly mortgage statement as due amount in XX/XX/XXXX in amount of {$1100.00} which my husband paid in error. My regular payment is {$900.00}. I sent them a complete breakdown of my escrow account and showed how they were incorrect. They send double monthly statements. 
At modification my payment was suppose to be {$890.00} but due to a escrow shortage it was XXXX. A difference of {$17.00} which they said was going to a shortage. Yet my starting escrow on XX/XX/XXXX was XXXX. Can't get an explanation as to why payment is up and where does the XXXX go. I have all the papers I sent to them. I can fax to you if you want to see the correct figures. They never explain the difference and why they can't get it right. I have to keep calling. 
Breakdown : XX/XX/XXXX Bal XXXX Due XX/XX/XXXX Then Due XXXX Bal XXXX Due XX/XX/XXXX Bal XXXX Then they increased escrow {$290.00} per month up til due XX/XX/XXXX. So XXXX x 12 = {$3500.00} plus the 2 x XXXX = XXXX comes to grand total of {$4000.00}. ; XXXX You take that amount and pay off taxes XXXX and insurance XXXX = {$870.00} balance in escrow. They show {$130.00} on my statement due XX/XX/XXXX Where is my {$730.00} -- -- difference they show and I actually paid???? You won't get a clear response from them. This is not an A RATED mortgage co.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries I have noticed unauthorized inquiries on my credit report that I did not consent to. Upon reaching out to the creditors responsible, they confirmed that they have no record of my initiating these inquiries or providing any verbal or written authorization. Since these inquiries are not valid, I kindly request your immediate removal from my credit report. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed 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 Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements. 
Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes. 

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

XXXX XXXX XXXX
Product: Checking or savings account

They continuously send me emails offering me XXXXXXXX XXXX  bonus for opening a checking account. I tried on XXXX different occasions to open the accounts and both times I was told that I couldn't have an account opened for me and these caused hard inquires on my credit report. I still receive email offers to this day.
Product: Credit card or prepaid card

I want to make a complaint with Capital one credit card platinum. I have repeatedly asked about decreasing my interest rate. They have also charged me interest fees for cash advances that they stated had made cash advances of a total of {$220.00}, one of the advances was for {$13.00}, and the interest fee was {$8.00} on XX/XX/2019, at XXXX  XXXX XXXX XXXX I have never been to any credit union name XXXX  XXXX  when I have my bank accounts. I am tired of them .. I want the charges removed and my interest rate to decrease. I pay them on time. They had the nerve to increase my minimum payment to XXXX. XXXX
Product: Credit reporting or other personal consumer reports

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

XXXX is reporting incorrectly to XXXX and Transunion a collection in the amount of {$2700.00} on the XXXX XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account does not belong to me and should not be reporting on my credit report. This account belongs to my son. I have contacted XXXX and the representative that I spoke with assured me they would remove this account, however the account continues to be reported on my credit report. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete this suspicious account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again. 

XXXX XXXX XXXX
Product: Debt collection

CONVERGENT OUTSOURCING, INC. placed a collection on 2 of the credit bureau XXXX and XXXX claiming I owe {$1700.00} from XXXX. They placed it on my credit file on XX/XX/XXXX, when it fact the debt was settled with XXXX for {$430.00} back in XXXX. Every year this company change the dated as if is new XXXX  and placed it has a new account to the credit bureau. I never received any communication from this company. Back in XXXX, another collection agency reported it and XXXX and XXXX deleted it from my credit file. I do not owe this company the amount they are reporting no di I owe XXXX that amount either. I am placing a complaint against this company for reporting inaccurate information on my credit file with XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I visited a XXXX XXXX on XXXX XXXX XXXX  and received a receipt validating all equipment has been returned and there is no outstanding debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all incorrect information on my credit report with transunion. checking my file ive noticed alot of invalid information that is hindering my report. please update my credit file correctly.
Product: Checking or savings account

I have made several attempts to resolve a account with Bank of America which they have been unhelpful. The closed my account without notice for fraud and I had no idea I was a new customer and a service member I was unable to get funds back from direct deposit or open another accounts due to false reports this has affected my reports with other banks.
Product: Credit reporting or other personal consumer reports

I have noticed a hard inquiry on my XXXX  consumer report with the following information : XXXX XXXX XXXX  XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank XXXX XXXX XXXX info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX is an unauthorized inquiry I would like removed. I did dont provide permissible purpose for this inquiry under 15 usc 1681.
Product: Debt collection

The law office of Marvel and Maloney has repeatedly tried to collect a debt from me that I believe is incorrect. They have refused to give me coherent information regarding the debts and have now refused to communicate with me further