23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

RE : Dispute of Derogatory Marks of Collection Accounts on Credit Report on XXXX XXXX I request to dispute the accuracy of information reported on my credit report. Specifically, I am challenging the collection accounts listed by AMERICAN COLLECTIONS ENTERPRISE , INC. ( ACHI ), related to charges from XXXX XXXX XXXX XXXX. Details are listed below. 

Details of Collections Collector : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Account Opened : XX/XX/2018 Amount Due : {$410.00} {$1300.00} These charges stem from an involuntary hospitalization, a result of a welfare check, conducted by the XXXX XXXX Police Department ( XXXX ) in Virginia due to a severe mental health crisis. At that time, I was a full-time student, and insured through XXXX. However, XXXX didn't cover the costs associated with the hospital services provided. I was under severe mental distress, as documented, and was not in a position to consent to any XXXX XXXX provided. 

I believe that these circumstances free me of direct financial responsibility for these charges considering I was under custody of the FCPD and was involuntarily admitted to the hospital. 

Currently, I find myself facing significant financial and emotional distress due to the resultant derogatory marks on my credit report. 

I request a thorough investigation into these entries and, based on the unique circumstances outlined above, their removal from my credit report. 

Please let me know if you have any questions.
Product: Checking or savings account

I have been fight with Wellsfargo with these transaction being fraud for the longest. I was told the transaction were disputed instead of being listed as fraud. now they have reversed these transactions back on my acct leaving my acct neg. 

XXXX XXXX {$53.00} XXXX XXXX XXXX XXXX  {$910.00} XXXX XXXX {$60.00} XXXX XXXX {$60.00} XXXX XXXX  {$340.00}
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. 

Account name : XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX Account number XXXX, XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number 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: Credit card

I've always ensured that payments on this account are made on time, never letting them become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as XXXX inaction violates federal law and my rights as a consumer. 

XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

TRANSUNION is posting 3 inquiries i dont recognize and did not authorize. They are not connected to any active accounts. They requested FTC which i have provided and the 3 inquiries are still on my report and are impacting my score and life. Please remove these 3 inquiries. They are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Deposited a check for XXXX and atm screen said XXXX I tried to cancel and it wouldn't. Credited my account XXXX That was on XX/XX/23 and they will only respond with we have 10 business days to investigate this. It seems like they are not doing anything but sit on my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX ; XXXX XXXX  XXXX ; XXXX XXXX ; XXXX, XXXX, L ; XXXX, XXXX, XXXX ; XXXX XXXX AV XXXX, CA XXXX ; XXXX B XXXX XXXX XXXX XXXX, CA XXXX; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX  XXXX XXXX XXXX, WI XXXX ; XXXX XXXX LA XXXX XXXX LA XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$85.00} ; XXXX XXXX XXXX XXXX Owed XXXX {$19000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXL XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I called the GLA company to ask for more information about the alleged debt owed. I did not get any relevant information outside of someone used my identification at a medical facility therefore causing the accrued debt to be mine. I have 100 % medical coverage so even if I did go to the hospital parts of, if not all of the expenses would be covered.
Product: Student loan

Navient was sold my loans from XXXX XXXX about a year or so ago. These loans have been based off a credit score XXXX2006. I graduated XXXX in 2006. They do not offer any programs to help me lower my rate. The only program they have is based off my income and XXXX of my co-signers income. The only way I would be able to get relief is if i decide to not pay them for XXXX4 months, destroy my credit and then finally get some help. They are variable rate loans, and with prime rate going up again the rate/payment will continue to increase and there is nothing I can do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a claim with the Bank for {$2500.00} for a payment to court ( bail fee for a family member ) The total amount that was charged by court was {$2600.00} I authorized the transaction but court was supposed to refund {$2500.00} ( total bail payment minus transaction fee ) upon court appearance but they failed to do that, so I called XXXX to file a claim for the {$2500.00}. 
XXXX made a mistake on the amount I was disputing and requested the total amount {$2600.00} instead of {$2500.00} and they failed to resolved the claim sending me supporting docs showing I authorized the charge which I never deny. I called XXXX to file a claim not for an amount I didnt authorize but for an amount that I authorized and then was supposed to be later refunded to me. I called to get the dispute reopen and they told me to do it at a branch. Then I go to the branch to do it and they told me I just need to type up a letter explaining why I want the dispute to be reopened which I could have done from my house instead of going to the branch. The branch was supposed to fax the letter to XXXX claim depart but unable to reproduce a fax receipt ( what a joke ) After visiting the branch, trip I could have saved, I called XXXX claim depart to ask if they have received the fax from the branch and still were not able to answer, they said it takes 3-4 days for them to see the faxes as it goes first to another team which have to upload docs ( one again very inefficient ). I asked to speak with a XXXX who was not very nice either. 

Now they put a remark on my credit report which is affecting my score that states " consumer disputes after resolution ' what the heck resolution is that? I find the XXXX  claim depart very inefficient and I am demanding the remark to be deleted as I am just trying to get the dispute reopened because XXXX made a mistake and came up to a wrong conclusion/ resolution.
Product: Vehicle loan or lease

I started a loan with Nissan Finance Corporation on XX/XX/XXXX. I was to pay {$290.00} a month for 66 months. I have been paying {$300.00} to pay off the principal earlier. I was told I would be done by XX/XX/XXXX by making extra payments. They are still saying I owe them {$130.00}. I went back in my statements online and for the entire first 10 months ( XXXX XXXX/XXXX/XXXX ) they took out NO extra principal. They also did not apply extra principal payment onXXXX. My whole account is messed up as my payment amount due only shows {$270.00} for the past statements. It also shows that I only paid {$17000.00} in principal, interest is {$2000.00} paid and I owe them {$130.00} when my loan contract shows that only paying minimum would have me at the same number. Everything is false. I called on XX/XX/XXXX and was sent to XXXX, a floor manager who called me back later that day and asked for 24 hours to get achived files. I got no phone call. On XX/XX/XXXX I spoke to XXXX who transferred me to his supervisor. She told me XXXX was on another phone call but I owe them the {$130.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Experian Re : Inaccurate accounts & Unauthorized inquiries, claiming I owe, threatening to take me to civil court. To whom it may concern : You have continuously reported inaccurate accounts and unauthorized inquiries on my credit file. I am in distress, I have contacted the police department to file a police report against all companies I have listed below, I have also contacted the Federal Trade Commision informing them of the violations that you have violated me as a consumer within the laws of The Fair Credit Reporting Act, The Debt Collection Practice Act Sections 1929 ( e ) which clearly states that any information known to be false can not be reported to any credit bureau. I also received a letter in the mail claiming that i owe a debt to the above collection agencies. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. I request that you immediately delete this information from my credit report. Please send me a copy of my updated credit report as soon as the above has been completed. Sincerely XXXX XXXX
Product: Checking or savings account

I deposited this pay checks from my job in XXXX, everything was good, I noticed the amount available for XXXX checks {$1200.00} and {$1800.00}, but suddenly that amount disappeared from my balance amount, I never get it and in the next days I received a notification that my account would be closed and the checks would be sent to the company from my job with the amount on each one but my boss never got the money. 
So my question is where was the money. 


Check deposit for {$1200.00} Check deposit for {$1800.00} Check deposit for {$1400.00} Closing account notification on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Collection and Derogatory Remark - False Information Dear Equifax, I am writing to dispute a collection and derogatory remark that is currently appearing on my credit report. The inaccurate information in question relates to an account held by XXXX XXXX XXXX. The details of the account are as follows : Creditor : XXXX XXXX XXXX Date of Collection : XXXX Upon reviewing my credit report, I discovered that the collection and derogatory remark attributed to XXXX XXXX XXXX is erroneous and should not be listed on my credit profile. This false information is not only damaging my creditworthiness, but it also violates my rights under the Fair Credit Reporting Act ( FCRA ) Section 604, which mandates accurate reporting by credit reporting agencies. 



I kindly request that Equifax thoroughly investigate this matter and take the necessary steps to rectify the situation promptly. Specifically, I request the following resolution : 1. Fast Removal of the Collection : I urge Equifax to remove the collection account associated with XXXX XXXX XXXX from my credit report as soon as possible. Given the false nature of this information, its continued presence on my report is detrimental to my financial well-being and creditworthiness. 



2. Fast Removal of the Derogatory Remark : Equifax should also eliminate the derogatory remark linked to XXXX XXXX XXXX from my credit report. This remark unfairly tarnishes my credit history and misrepresents my financial responsibility. 



I understand that, according to FCRA Section 611 ( a ) ( 5 ) ( A ), Equifax has 30 days to investigate and respond to my dispute. It is my sincere hope that this matter can be resolved swiftly, ensuring the accuracy and fairness of my credit report. 



In addition to this written communication, I have attached copies of supporting documents that validate my claim and provide evidence of the false information. Please review these materials carefully as part of your investigation. 



I expect regular updates regarding the progress of my dispute and request written confirmation once the investigation is complete. Moreover, I would appreciate receiving a revised copy of my credit report reflecting the removal of the collection and derogatory remark from XXXX XXXX XXXX. 



Thank you for your immediate attention to this matter. I trust that Equifax will handle my dispute with the utmost professionalism and resolve the issue in a timely manner. Please do not hesitate to contact me if any further information is required. 



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

I tried opening an account with XXXX XXXX  and while opening it, they restricted my account before i could use it at all. I called to see what the issues were and they transferred me to XXXX XXXX XXXX  so i could find out what's going on and what's the reason for this to be happening. XXXX  XXXX XXXX sent me a disclosure on the reason why I've been restricted to my account and as i look at the report I'm very furious, upset, and mortified at such thing I've been a victim of fraud and identity theft i don't recall opening that many accounts and I would never do such a thing. The account that i don't recall opening that's showing on my report are XXXX XXXX XXXX, PNC BANK, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and. Now I'm stuck with this outrageous problem that will probably cause me some trouble in the future. Could you guys please give me a call back at XXXX XXXX XXXX XXXXXXXX please and thank you because i really need to get this mess resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I sold my personal vehicle and cancelled my personal car insurance. I then purchased a buslness policy to cover myself in a vehicle owned by my business. Lexis nexis have now list me as having a gap in insurance coverage which is incorrect. I had personal insurance and business from XXXX  This error is going to cause a double premium for no reason. I need it fixed before I step up to legal matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, Account Name : XXXX  XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX, 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

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and or deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of face by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are required to do what I am asking and these transactions from being reported to my consumer report within 4 days from the receipt of this notice. I look forward to your response.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to several multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX XXXX  from my bank account to XXXX wallet at the instructions of the scammers.
Product: Student loan

At or around XXXX or XX/XX/2022, I was notified by my credit reporting tool of a credit change and it was a major ding by Navient under the guise of no payment. This coincidentally at the same time where President Biden made an announcement regarding his student loan program and efforts to push it through Congress, which of course was voted down by the Supreme Court as unethical and illegal as expected. During this time, my loans were in forbearance and they were to remain in such according to the stipulations laid down because of the COVID-19 pandemic. However when I contacted Navient regarding this not only did they ignore these facts, not only did they state that I didnt have any more deferments and forbearances but they immediately had reported my account to collections, subsequently affecting my credit score. To make matters worse, upon the Supreme Courts decision against President Biden which in turn granted my stance as correct and everything returned to COVID-19 policies and such, my account ( s ) were never updated by Navient, my credit score never was adjusted, and now it is offers of deferments and forbearances regarding my account. The constant phone calls are nonsensical at this point especially when no one will ever acknowledge and make strides to restore my account and current and not delinquent in collections. It even was to the point where consolidation was encouraged and offered throughout which is an unethical practice in itself because it resets and restarts a debt under new terms that are unfavorable and in a lot of ways predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed accounts which I believe were reported in error. 

XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$330.00}
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding XXXX XXXX Not Issuing a XXXX After Debt Charge-Off Dear Sir/Madam, I am writing to file a formal complaint regarding XXXX XXXX XXXX XXXXXXXX ) failing to issue a XXXX form after they XXXX off my debt. The account in question is associated with my XXXX XXXX Account XXXX [ XXXX ], and the debt was charged off in [ XXXX XXXX XXXX 

As per the IRS guidelines, when a creditor cancels or forgives a debt of {$600.00} or more, they are required to issue a Form 1099-C to the borrower, reporting the amount of the canceled debt as income. However, despite the fact that my debt was charged off, I have not received a 1099-C form for tax reporting purposes for the year in which the charge-off occurred. 

I have made multiple attempts to resolve this issue directly with XXXX XXXX 's customer service and collections department, but I have not received any communication from them, nor any action taken to issue the required form. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that XXXX XXXX  complies with the IRS regulations by issuing the required 1099-C form for the canceled debt.
Product: Debt collection

The company NCB MANAGEMENT SERVICE has been harassing me with letters, phone calls, etc. with numbers that are from my area code to get me to answer. Each time it has been worse and worse with the debt collectors being rude and demanding to setup payment plans. 

On top of this their collection agency is not eligible to be collecting in my state! They dont even hold a license to debt collect in Texas and are illegally collecting debt as well. They have been reporting my debt to the credit bureaus as well. I have just recently been updated that they are reporting false information to my credit history and continue to report falsely via XXXX. 

Not only are they reporting as collection but DOUBLE reporting so it shows on my credit as debt I am not associated with or had a connection with.