23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The North American Credit Services ( NACS ) started contacting me in XXXX 2017. They left a voicemail message, in which they butchered the pronunciation of my name to the point where I thought it was a wrong number. I did not receive any letter communications from them at the time. I called them back in XXXX 2017 - and they had informed me that I had a bill from the Hospital and that they had sent me letters as well. I informed them that I never received any written communication from either the hospital or NACS. They identified that NACS and the hospital both had the wrong address on file. NACS agreed to not contact the Credit Bureaus. I, then, contacted the hospital and informed them that I never received a bill from them ; the hospital identified that they had not sent out any bills to me, prior to involving NACS. The hospital apologized for their mistake and stated that they will email NACS to clarify the mistake.
XXXX/XXXX/17 - NACS sent out a letter in an attempt to collect this paid bill from the hospital.
XXXX/XXXX/17 - I called them to clarify everything. One person informed me that they had already contacted the credit bureau. Another informed me that they had not contacted the credit bureau. Then another person informed me that they did indeed contact the credit bureau but deleted it because of the wrong address issue. I asked for a copy of the retraction letter and they informed me they could send it ; however, they could not admit that this should never have been reported to the credit bureau to begin with, given it was NACS and the hospital 's fault - I had never received the original bill. They refuse to write a retraction letter explaining that I was not at fault for the delinquent bill since I had never received a bill. I informed them that I did not want a retraction letter without a statement saying the credit bureau was incorrectly contacted due to NACS and the hospital using the wrong address to contact me. However, they refused to write a letter. I called their complaint division several times, but the extension does not work.
Product: Credit card

I paid off my balance of {$6600.00} on XX/XX/XXXX. The funds were taken from my account and received by Capital One on XX/XX/XXXX. Even though Capital One has my money and the balance on the account is XXXX and the Stated credit line is {$6700.00}. They have refused to adjust my credit availability until XX/XX/XXXX -- one full week after receiving the funds. Regulations allow banks to withhold funds for a week. This is a holdover from the XXXXXXXX XXXX when there was paper that had to go through a clearing house. Today, with the systems employed by the banks, the 7-day hold is a way to usurp the use of customer funds for several days. While the regulations permit a 7-day hold, the banks should not default to that. Holding funds that they already have received is an abuse of the regulations and their clients.
Product: Debt collection

I applied for pre approval to take out a loan with XXXX XXXX. My bank sent me a note after they had pushed the application through that said my credit score was too low for pre approval because XXXX had passed on a delinquent account, under my name, to a third party debt collection agency. However, I have never nor will I ever have an account with XXXX. In effect, XXXX linked my name and address with a delinquent account held by another individual under the same name at a different address. XXXX had no other information to associate with my name and admitted, on the phone, that the account had been charged in error. They then refused to assist further and suggested I go through the steps necessary to correct their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago, I called American Express regarding my XXXX XXXX credit card. I asked if there was any way they could process a goodwill removal of a delinquent payment reported for this account from XXXX. The customer service representative asked me what my reasoning was, and I explained that I had been in a long process of moving from XXXX to XXXX at the time and my mail kept getting lost. I also explained that if she looked at my other card with XXXX, she would see that I never paid late on it. She agreed and said that because I never received my statements, she simply had to order it again and the late payment report should fall off my credit report in about 8 days. It has been quite a while past 8 days and it is still showing on my credit report. I received the reprinted statement in the mail shortly after the call so I know that she truly did order the statement. 

Additionally, I received an offer from XXXX to open a Platinum card. I honestly believed it was another upgrade to my XXXX XXXX card ( also called " Platinum '' ) because both cards ended in XXXX at the time. That was so confusing, but I called customer service a few times to clarify and they were so helpful. Ultimately, I closed the account after being assured by the Platinum customer service representative that the account will not appear on my credit report since I never activated it and never paid the annual fee. Lo and behold, it is showing as a closed account on my credit report as of this date. 

So my request is basically to please clarify both of these situations. I am 100 % confident that if you listen to all of these calls, you would agree with me that I have the right to believe that my report was supposed to be cleared of a late payment and a never activated account. If they were wrong to tell me what they told me, then American Express needs to train their customer service department better to ensure that no miscommunication and false hope is given to any card member. This is by far my favorite credit card company, and I felt even more fond of the company after believing that they actually cared about my concerns regarding my credit report, but if I was wrong to think that they would live up to what they told me, then maybe I 'm also entirely wrong about the company. I 'm begging you, please help me! This has been so disheartening.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is continuing to ignore the law. They failed to look into a complaint filed in regards to misleading and inaccurate information on my credit report. The issue is the reporting of a dismissed chapter XXXX bankruptcy on my report. I have submitted a formal complaint with them. And as expected. I received a generic response to a real issue. The company has responded that they will contact the company who furnished the information. As I stated in my complaint. My issue is with the reporting of inaccurate public information on my reports. Therefore there is no company to verify anything with. I have corresponded directly with the local bankruptcy court. And they have confirmed that they do not report or share any information with any credit reporting companies. With that being said any and all information that they may be reporting would be deemed as hear say and can not be confirmed as accurate. I am asking that under FCRA section 611 ( a ) ( 7 ) they provide how they have verified this information. No one other than the court has completely accurate information on this matter. Once again I am now demanding that this be removed from my credit report. My next course of action shall be legal court proceedings.
Product: Debt collection

Hello, I do not appreciate the fake letter from the attorneys office that you sent, but that is not my concern. It has come to my attention National Credit Systems is not Licensed in North Carolina to collect debt. Please provide your professional license number so I can verify this information with the North Carolina Department of Insurance.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX XXXXXXXX Balanced {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly check my credit report and noticed that there are errors and false misleading information for individuals accounts and didnt meet the credit reporting standards of being XXXX correct. This information has effected my life and XXXX XXXX XXXX 

This is holding me back from getting approved for a house. I am demanding CFPB to enfore the correction and delete these items. I XXXX XXXX is authorizing this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had a home equity line of credit of {$25000.00} with our local bank, formerly XXXX XXXX XXXX / XXXX XXXX, now XXXX XXXX XXXX with interest payments automatically withdrawn from our checking account. Our bank has been through many mergers over the years and it appears they forgot about us. Not only did they forget to withdraw the {$7.00} interest payment, they also neglected to inform us a payment was due and that the line had matured. We never had a delinquency during the life of the loan.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and concern regarding the repeated handling of my disputes with your agency. Despite my multiple attempts to have specific information on my credit report properly investigated, my cases are continuously being closed without providing sufficient proof or documentation to verify the validity of the debt in question. 

As required by the Fair Credit Reporting Act ( FCRA ), XXXX is obligated to conduct a thorough and reasonable investigation when a consumer disputes an item on their credit report. However, I have yet to receive any validation or proper documentation proving the debt in question belongs to me. Specifically, no contract, signed agreement, or other legally binding evidence has been provided that supports the claims reported on my credit file. 

Details of the disputed account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} I am requesting a proper investigation into this matter and full validation of the debt as required by law. If you can not provide the necessary documentation showing the debt is valid and legally belongs to me, I am demanding its immediate removal from my credit report. 

Please note that repeated failure to address my dispute properly is a violation of my consumer rights under the FCRA. If this matter is not handled appropriately, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 

Enclosed are copies of any prior correspondence I have sent, as well as my previous dispute submissions for your reference. 

I expect a detailed response and confirmation of your findings within 30 days of receipt of this letter, as stipulated by law. Should you require additional information from me, please contact me at [ your phone number ] or via email at [ your email address ]. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX XXXX XXXX Balance XXXX XXXX Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

They ( United Wholesale Mortgage ) responded once then would never respond, then sold the mortgage to XXXX XXXX. 

They committed fraud by deception, am attempting to find legal aid to pursue them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the XXXX XXXX XXXX that I no longer are a signature card holder..its still on my credit report..I contacted XXXX and they had already sent the info to the credit Bureau and as of today it's still on my credit
Product: Credit reporting or other personal consumer reports

Heres a revised version of your message with a more formal and structured tone : To Whom It May Concern, I am writing to express my concerns about the fluctuations in my credit score despite maintaining a consistent credit history. Recently, I observed that my credit score decreased by XXXX XXXX, even after I paid off my XXXX XXXX card, which had a balance of over {$1700.00}. This payment was made in full, yet there has been no positive reflection of this effort in my credit score.

Additionally, I conducted a single credit inquiry, and this action caused my score to drop significantly. It seems inconsistent and unfair that my hard work to keep my credit in good standing with all my creditors is not being accurately reflected. These fluctuations negatively impact how creditors, including loan officers, perceive my creditworthiness.

I would like clarification on how such scoring practices are legal and why my efforts to improve my financial standing do not result in appropriate updates to my credit score. Please provide detailed information on how these changes occur and the steps I can take to ensure my credit score accurately reflects my credit behavior.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section XXXX A. XXXX I have the right to privacy. 

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

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

I have been waiting for awhile now, I have over XXXX USD into the account. They decided to close my account, and told me they will released the fund to my checking account, however it had been over 2 weeks now with no update. They are refusing to taking my calls, I am not able to withdraw my money from the app. I've emailed them, they have given me the same replies since, 7-15 days which had past. I need this fund because this was my initially investment fund and the held it. Please I need them ( Robinhood ) to release my funds immediately.

Thank you,
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX BANK XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 USC 1681 of consumer laws, a company must adhere to certain guidelines when charging off an account and reporting it to the IRS, as well as reporting late payments. If an account has been closed and charged off, and a request for a 1099c was made, the company must comply with the request. 

Additionally, if the company has put the account back on the consumer 's credit report without authorization, this may constitute a violation of the Fair Credit Reporting Act. Only authorized credit reporting agencies may make such changes to a consumer 's credit report. 

In this case, it appears that XXXX and XXXX has acted outside of its authority by putting the account back on the consumer 's credit report. The consumer may have grounds for disputing this information with XXXX and seeking its removal from their credit report under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1682 Section 602 States i have the right to privacy.

15 USC 1682 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: Credit reporting or other personal consumer reports

On XX/XX/year>, I received alerts from XXXX XXXX that XXXX hard inquiries occurred on my credit around the same time. One was from " XXXX '' through TransUnion. The second was from " XXXXXXXX XXXX XXXX  '' through XXXX XXXX I did not apply for credit accounts through either one of these. Apparently, someone has tried to open what looks like XXXX credit card accounts using my social security number with these two retailers : XXXX and XXXX XXXX. I have already contacted XXXX to cancel the card, but I am currently trying to notify XXXX XXXX. I have not been able to contact the right people about the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove the accounts below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$620.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several Accounts on my file that I have no recollection of. I never opened these accounts, I tried reaching out to these lenders but they have not taken any action and are still negatively reporting in my credit report. 

1. XXXX XXXX Balance {$120.00} Shows charged off. I never opened this account. 

2. XXXX  XXXX Balance {$490.00} Shows closed. I never opened this account. 

3.Barclays bank Balance {$0.00} I never opened this account 4. XXXX XXXX Balance {$0.00} I never opened this account 5. Department of Education This loan was was supposed to be in deferrment and sold to other companies, they are reporting wrong negative late payments. I was never late.

6. XXXX funding Balance {$460.00} They claimed this account was collections for capital one. Again I never had any open account for capital one as they are claiming.

I have several paid off accounts on my credit report. I pay my bills, I will not make mistake of not paying my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Account : XXXX, XXXX, XXXX, XXXX. 

XXXX XXXX XXXX Accout XXXX is a closed account showing Inaccurated information it's not being reported with all 3 credit bureaus LVNV FUNDING LLC this is a collection account that is showing Inaccurated information it's not being reported with all 3 credit bureaus Is in vilation of 15 U.S. Code 1666B, 15 U.S. Code 1681 Section 604 A Section 2.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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