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

Attached documents prove that Equifax is reporting incorrect status for the XXXX XXXX Bank credit card account during the month of XXXX ; multiple payments were made early/on time and any issues were addressed immediately. Attached documents prove that XXXX XXXX Bank did not go without receiving a payment for any period longer than 30 days at any point since the account 's opening. Attached documents prove that XXXX XXXX 's reporting to the bureau was incorrect, poorly investigated, and the result of technical errors within their system. Attached documents prove that XXXX XXXX violated consumer regulations in credit reporting, failed to properly investigate errors that their support supervisors identified as originating from XXXX XXXX, and improperly reported an account as late for XXXX XXXX, when documents detail payments being made early/on time for said month. Attached documents show in detail that the XXXX XXXX bank generated technical errors, initiating a series of events - all caused by XXXX XXXX - that were immediately rectified by the consumer ( myself ). Attached documents prove that payments were made to the account on time/early every month, with the month of XXXX being no exception, but the account was reported as " past due '' to credit bureaus due to their technical errors. Though there were no late payments in this case, Attached documents prove that XXXX XXXX violated regulations requiring late payments not to be reported negatively/late to credit bureaus under 30 days of past due. Attached documents prove that XXXX XXXX and myself only experienced brief windows ( hours ) in which either party was aware of issues. Attached documents prove that an error code generated by XXXX stating that my bank ( XXXX BANK ) or myself initiated returns for past month 's payments is WRONG. Said " returns '' ( documents show they were never returned to my checking ), occurring on XX/XX/XXXX and XXXX caused the account to appear past due for a brief period of no more than an hour or so. Payments were immediately sent, and I was assured on recorded lines by XXXX XXXX associates that no further action was needed, and the account was current " Far from late. '' A supervisor identified the cause of the issue and explained it in detail on a recorded line ( case XXXX ), recognizing XXXX XXXX 's error. As an example, for the month of XXXX, a payment was posted in the amount of {$3000.00}, which shows as accepted/recieved on the XXXX XXXX XXXX. On XX/XX/XXXX I was notified that this payment was " returned. '' My checking account statements ( matching the checking on the apple card statement ) show that these transactions were never present for myself or XXXX BANK to have initiated, or received returns. Attached documents detail the situation in it's entirety. Support from XXXX XXXX was minimal ; documents were requested to prove my dispute, but I was given NO proper location to upload the documents other than via generic help chat in the apple card/wallet app. Supervisors could not/would not confirm that these documents were even posted to the case or my profile.
Product: Bank account or service

I have a health savings account with HSA Bank, A division of Webster Bank. For 2016 I need to distribute {$6900.00} for Dental, Medical, Vision and XXXX. I recently added my bank account info to their website in order to distribute money to my account for these expenses. Their website said this would allow me to get my funds more quickly. When I attempted to distribute funds to my bank account an error message said {$2500.00} was the daily limit. I distributed that amount to my bank account, but every time I try to make subsequent distribution, they block my account. I have called them numerous times and they say will fix it, but it keeps happening. This money belongs to me, not HSA Bank. They have no right to withhold my funds. I have incurred expenses to make the numerous calls because my only phone is a pre-paid cell phone and I have lost interest that I could have received as I would have placed these funds in my Money Market Account. I have already paid the bills out of my own funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please remove them from my credit. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing today because I am shock how poor attention and lack of investigation XXXX, Transunion, and XXXX has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below errors : XXXX The first error date open Transunion is XXXX XX/XX/XXXX while XXXX and XXXX is XXXX XX/XX/XXXX. 

The second error close date Transunion is reporting XX/XX/XXXX while XXXX and XXXX does not have a closing date. 

The third error account status Transunion and XXXX is reporting closed while XXXX is reporting open. 

The fourth error payment status Transunion and XXXX is reporting current while XXXX is reporting late 150 days The fifth error last payment Transuinon and XXXX is reporting XX/XX/XXXX and XXXX does not have a date. 

The last error credit limit Transunion and XXXX is reporting {$2100.00} and XXXX is reporting {XXXX}. 

I have sent numerous letters to these three credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code XXXX XXXX XXXX
Product: Credit reporting

Experian did not follow my instructions to delete wrong information on my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX Dear Transunion, I am writing to formally dispute certain inquiries listed on my credit report associated with my account. Upon reviewing my credit report, I noticed several inquiries that I did not authorize, and I believe they are inaccurate. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies in my credit report. Specifically, Section 604 of the FCRA states that a consumer reporting agency may furnish a consumer report only for certain permissible purposes, including with the consumer 's consent. I did not provide consent for these inquiries, and I request that you investigate this matter.

I kindly request that you provide me with the following information : 1. A detailed explanation of the circumstances surrounding these inquiries.

2. Documentation showing that I authorized these inquiries. 

If it is determined that these inquiries were made in error or without my consent, I expect them to be removed from my credit report promptly. 

In addition, I would like to remind you of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits any false or misleading representation in connection with the collection of a debt. Any unauthorized inquiries may lead to further action, including notifying the Consumer Financial Protection Bureau ( CFPB ) and state regulatory agencies regarding this matter. 

Please respond to this letter within 30 days. I appreciate your prompt attention to this issue and look forward to your response. 

Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon recently viewing my consumer report I noticed many inaccuracies. On XX/XX/2022, I XXXX XXXX sent via certified mail to Experian, XXXX and XXXX letters asking them to please delete all old and previous items from my personal history for fear of identity theft and to remove all old employment and education history. 

I've only received a positive response from XXXX, who removed the old information and used the current information I provided. I feel like I'm being taken advantage of, and my disputes ignored by XXXX and Experian. 

FCRA 611 ( a ) clearly states failure to investigate the items within 30 days give reason to immediately delete the items from my consumer report. Its my right as a consumer to have proper, current information on my report. 

I demand old, irrelevant personal information be deleted immediately, or I will file for litigation due to the stress Ive undergone for fear that my information may fall into the hands of the wrong person creating further anxiety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
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 Transunion credit bureau 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 Date opened XX/XX/XXXX Balance : $ XXXX, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00}
Product: Credit card

I signed up for a XXXX XXXX credit card to purchase a computer. I purchased and it shipped out. Halfway through shipment the product was rerouted back to the shipper with no explanation. I called and was told I needed to verify my identity which I did. I told them I was no longer interested and I wanted to cancel the order. They agreed. Almost a month later I receive a credit card bill for the full amount. I called and they told me I needed to verify my account again to move forward. When I told them I had no interest and that I never received the product they did not budge
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 AMEX add a hard inquiry on my credit report per XXXX.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see incorrect accounts on my credit report, and I have no idea how they got there. I check my report frequently, but this time, unexpected discrepancies appeared. I even refreshed my browser, thinking it might be a system error, but the inaccuracies remained. Therefore, I request that my submitted documents be thoroughly examined so I no longer have to worry about this issue.
Product: Debt collection

On XX/XX/2019, I began receiving debt collection calls from a company called Radius Global Solutions for credit card debt that is not mine. Per a conversation with the representative of Radius GlobaXXXX Solutions, the debt relates to a former employers credit card relationship with XXXX XXXX. Per Radius, there is a balance owed to XXXX XXXX. Upon hearing this, I reached out to XXXX XXXX, my former employer. On XX/XX/2019, the owner of XXXX XXXX sent me an email with an attached receipt showing payment to XXXX XXXX on XX/XX/2019. In the email, the owner of XXXX XXXX informed me that this payment to XXXX XXXX paid off the balance in full and that the account was closed upon making this final payment. Unfortunately, I still have been receiving numerous calls daily from Radius Global Solutions regarding an outstanding balance even though it appears the debt has been paid in full. Furthermore, and most importantly, I have not been employed by XXXX XXXX for over 6 months as of this complaint and have made no charges under an XXXX XXXX credit card since leaving the Company. I am asking that the harassing daily calls from Radius Global Solutions cease. I am not a party to any debt incurred by XXXX XXXX and should not be receiving calls from a debt collector for debt that is not mine. I am asking that these calls cease.
Product: Credit reporting or other personal consumer reports

Discover Bank last reported XX/XX/XXXX balance {$12000.00} account closed - XXXX XXXX - charged off as bad debt profit and loss - canceled by credit grantor XXXX card services balance {$8900.00} charged off as bad debt profit and loss account closed XX/XX/XXXX, XXXX. 
XXXX XXXX services- {$5500.00} account closed XX/XX/XXXX, XXXX. 
XXXX closed XX/XX/XXXX - {$3600.00} charged off as bad debt profit and loss account closed XX/XX/XXXX, XXXX.
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute the {$190.00} charge from XXXX  XXXX XXXX XXXX XXXX in XX/XX/year>. This charge was sent to collections, but I believe I am not responsible for the debt due to a failure by the hospital to appropriately triage and manage my emergent condition. 
On the date in question, I arrived at the XXXX  XXXX XXXX XXXX XXXX with a prolonged blood glucose level exceeding XXXX mg/dL, secondary to a viral illness. I checked my XXXX ketone level at home which revealed a level of > XXXX mmol/L, which is considered a critically high level. 
XXXX at this level is a life-threatening condition that requires immediate medical intervention to prevent serious complications such as diabetic ketoacidosis ( DKA ), coma, or death. 
However, after being triaged, I was informed that I would face a XXXX wait to be seen. I told the triage staff that I was scared to wait several hours because I was vomiting, fatigued and had a bad headache. I work in the medical field as a registered nurse with ICU experience, and my father is an emergency room physician. After speaking with my father, he informed me the dangers of waiting this long before being seen and advised me to be seen elsewhere. 
Realizing that my condition was critical, I sought treatment at another emergency room ( XXXX XXXX XXXX ), where I was triaged at a much higher level and treated for XXXX without delay. The second facility immediately recognized the severity of my condition and provided the necessary care to stabilize my blood glucose levels. 
XXXX has denied the claim for the XXXX  XXXX XXXX charge because no treatment was provided during my visit. The {$190.00} appears to be a triage fee, but I believe it is unwarranted because the triage process failed to appropriately assess and address the urgency of my condition. 
The failure to recognize the imminent dangers of blood glucose levels over XXXX mg/dL constitutes substandard care. 
For your reference : XXXX above XXXX mg/dL can lead to severe dehydration, electrolyte imbalances, organ damage, and diabetic ketoacidosis ( DKA ), which are medical emergencies requiring immediate treatment. 
A ketone level of XXXX mmol/L is critically high and requires immediate medical attention. This dangerous sign points to and diabetic ketoacidosis ( DKA ) which can lead to coma or death without proper treatment including fluid resuscitation. 
The decision to delay my care by XXXX hours placed me at significant risk, forcing me to seek timely medical attention elsewhere. 
I respectfully request that this debt be removed from collections and from my credit report due to the improper nature of the charge.
Product: Credit reporting or other personal consumer reports

( XXXX has failed to fulfill its legal obligation 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 systemic issues such as failing 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 items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I dispute the validity of an alleged collection account that appears on my credit report, which is being managed by XXXX Credit Management. Pursuant to the Fair Credit Reporting Act ( 15 USC 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 USC 1692 et seq. ), I rightfully requested validation of this alleged debt. 

I asked Midland credit management to please provide the following documents to validate the alleged debt : XXXX of XXXX : I request documentation demonstrating the complete chain of ownership of the alleged debt from the original creditor to your agency. 
XXXX : Please provide a ledger detailing the principal amount owed, any interest accrued, and any fees associated with the alleged debt. 
XXXX XXXX : Kindly furnish a copy of the purchase agreement between your agency and the original creditor pertaining to the alleged debt. 
Any Contracts with a Wet Signature : I request copies of any contracts or agreements bearing my wet signature, either with your agency or the original creditor. 
As well as the 1099C form from the original creditor.

In accordance with 15 USC 1692g, if they were unable to provide the requested documentation within 30 days from the receipt of the letter, which they had not and ignored my request, I request that Midland Credit cease collection activities and remove any negative reporting related to this debt from my credit report.

Furthermore, I am invoking my rights under 15 USC 1681s-2 ( a ) ( 1 ) ( B ) to dispute the accuracy of any information they have reported to the credit bureaus regarding this alleged debt. I request that you conduct a thorough investigation into the validity of this alleged debt and provide me with the results of your investigation.
Product: Credit reporting or other personal consumer reports

XXXX is reporting XXXX XXXX XXXXXXXX XXXX to my credit profile, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you.

Please provide me with the below mentioned items : *1099c Request * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. 

I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as TransUnion, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. 
* Defamation of character * Use of my copyrighted property
Product: Mortgage

Our home was lost in the XX/XX/2016 flood in Louisiana. We have attempted to obtain the payoff amount from the company that bought our mortgage ( Dovenmuehle Mortgage ) from our local bank ( XXXX XXXX XXXX since XX/XX/2016. These requests have been made by phone, email, and written correspondence. We have explained repeatedly that our ability to rebuild hinges on this payoff amount, but have only been met with collection threats, rude employees, and absolutely NO cooperation from this company. They say they can only mail the payoff amount via US Mail and say they have done so on four separate occasions. However, this document has still not been received. We have had no interruption in mail service, our local post office has no record of this correspondence, and we just do not believe they have made any attempt to send it in order to continue to charge us their exhorbitant late fees. We have requested that this information be sent via overnight service or certified mail, but were told they " do n't do this ''. We are currently living in a small camper in our driveway and have an application with the small business administration for a loan which will enable us to rebuild, but without this information, this process can not move forward. Dovenmuehle Mortgage and their employees have only shown less than a lack of concern for our circumstance, so we feel we are forced to seek assistance at a higher level.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Those dates are : 1. XXXX/XXXX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to EQUIFAX to dispute information on my credit report from XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. It previously stated that I owe XXXX and is now showing that I owe XXXX as of XX/XX/XXXX. 

XXXX XXXX filed an eviction on XX/XX/XXXX with the XXXX XXXX XXXX XXXX and got a judgement for {$710.00} Case # XXXX. I was on XXXX XXXX housing, I was working and did not update my information and owed money on rent. My mistake. XXXX XXXX wanted me out because they wanted to raise the rent. I did not damage the apartment. 

XXXX XXXX then submits a report to XXXX XXXX XXXX on XX/XX/XXXX for the amount of XXXX. There is a big difference between {$710.00} and {$7100.00}. It has been on my credit report for some time. This has had a big effect on my life. 

This amount is incorrect. I did not do XXXX of damage, and if it was the case, they would have submitted it to the XXXX XXXX XXXX XXXX when they evicted me. They have no documentation, photographs, or receipts that show I did this that is why they did not present this to the court. XXXX XXXX even pays a vacancy amount when tenants are evicted. I believe it is a 30 to 60 day vacancy fee. 

I would appreciate you looking into this matter. I am sure XXXX XXXX XXXX has done this to other tenants.
Product: Debt collection

Ask company to not contact me unless they were discussing validation of said account. 

Original and third party cant provide validation of debt due to the fact signature are visibly different. 

They've provide more documentation with the same signature. They are using stall tactics to delay deletion of said account.