23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I was transported to the hospital via ambulance by XXXX XXXX XXXX XXXX, XXXX ( original creditor ). At that time, my medical insurance provider was XXXX. The amount initially billed by XXXX XXXX XXXX XXXX, XXXX was {$4800.00}, but XXXX negotiated a discount of {$2200.00} leaving a balance of {$2500.00}. XXXX then paid {$2000.00} of this amount leaving a balance due of {$510.00}. At some point thereafter, this debt to XXXX XXXX XXXX XXXX, XXXX was evidently purchased by Cascade Capital Funding , LLC located in XXXX, XXXX ( current creditor ). 

On XX/XX/XXXX, I received an email alert from XXXX that my previously exceptional XXXX score had fallen by XXXX points. I immediately logged into my Experian account and discovered that the culprit was XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX  ( collection agency ) falsely reporting on behalf of their client Cascade Capital Funding , LLC that the balance due is {$2700.00}. 

On XX/XX/XXXX, I disputed the validity of the alleged balance due with XXXX XXXX XXXX XXXX XXXX along with XXXX, XXXX, and XXXX and provided proof in the form of my explanation of benefits from XXXX that the balance due is only {$510.00} NOT {$2700.00}. 

As of this writing, both XXXX and XXXX have removed the XXXX XXXX XXXX XXXX XXXX collections account from their respective credit reports on me entirely. XXXX, however, has refused to do so or to even correct the balance due from {$2700.00} to {$510.00} because the creditor has verified to our company that the balance is being reported correctly.
Product: Prepaid card

I had requested information pertaining to my account and the agent asked if I was going to receive a payment I stated yes and he said that it was my email address and I said threat it didn't request my email address it requested my account ID from the service card provider and there has been purchase made on the account for the amount for XXXX XXXX for XXXX XXXX XXXX  sent to XXXX XXXX  to a XXXX XXXX its XXXXwo invoices for the purchases that wasn't authorized by me and they have it set up in the XXXX XXXX XXXX on there monitor it says XXXX 's XXXX  I don't know why but that was strange and odd
Product: Money transfer, virtual currency, or money service

Hi, I was declined the service in the XXXX branch of Western Union because I was not clear on their question which was Do you know a person Im sending money to Even though It is clear that the person ( first and last name ) I was attending to send money is already in the Western Union system. Also, the tailor has no way to identify if I really know the person or not and it is my business where and to whom Im transferring my money. 
The situation is not acceptable. Im paying a fee and should be able to send money without interference from the business Im using to get the job done. 
The XXXX branch has no business controlling me, my money, or my intentions. 
I have a video where the employee declined the service.
Product: Credit reporting or other personal consumer reports

For sometime have requested Regions to report to the 3 credit bureaus this account not past due in XXXX XXXX XXXX. It was paid in full on XX/XX/2023 which means before the XXXX of the month. 

I have a letter to this affect. Need them to have the 3 credit bureaus to correct my credit report. I am trying to buy a home for myself and this is blocking it.
Product: Credit reporting or other personal consumer reports

The late payments shown do not align with my typical payment pattern.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX TER XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Money transfer, virtual currency, or money service

I WANT TO BE ABLE TO USE XXXX LIKE YOU CAN WITH EVERY OTHER MAJOR BANK IN AMERICA. PNC IS GARBAGE. DEAR XXXX.
Product: Credit reporting or other personal consumer reports

I have not Supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX  bal. {$840.00}, XXXX bal. {$7300.00}, XXXX bal. {$150.00}, XXXX bal. {$2100.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX H XXXX, XXXX  XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : DISPUTE REGARDING ADDRESS AND PERSONAL INFORMATION ON MY CREDIT REPORT Dear CFPB, I am writing to dispute the reporting of multiple addresses and certain personal information on my credit file. My correct and only address is : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 

I have resided at this address for more than XXXX  years and do not wish to have any other addresses associated with my credit file. All other addresses must be deleted from my report as they are inaccurate or outdated. 

Additionally, I do not authorize the inclusion of my phone number or email address in my credit file. I value my privacy and prefer not to have this information listed. 

Furthermore, I explicitly request that my employment information and any records related to my college or academic status be removed from my credit file. This information is not accurate and should be deleted. 

LEGAL BASIS FOR MY REQUEST According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to maintain accurate and up-to-date information on credit reports. Specifically : SECTION 609 ( A ) ( 1 ) : Consumers have the right to access and dispute inaccuracies in their credit report. 
SECTION 611 ( A ) : Credit reporting agencies must investigate disputed information and correct or delete inaccuracies promptly. 
SECTION 605 ( D ) : Only accurate and necessary information may be included in credit reports. 

It is improper and misleading to list more than XXXX current address on a credit file, as it may create confusion for creditors or potential lenders. Including unnecessary personal information, such as phone numbers or email addresses, further violates privacy expectations under FCRA. 

REQUESTED ACTION XXXX. DELETE ALL ADDRESSES FROM MY CREDIT FILE EXCEPT XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. 
XXXX. REMOVE ANY LISTED PHONE NUMBERS OR EMAIL ADDRESSES FROM MY CREDIT FILE. 
XXXX. DELETE ALL INFORMATION RELATED TO MY EMPLOYMENT AND COLLEGE STATUS. 
XXXX. PROVIDE ME WITH AN UPDATED COPY OF MY CREDIT REPORT REFLECTING THESE CHANGES. 

Please treat this letter as a formal dispute under the FCRA. I expect a response within XXXX  days of your receipt of this letter, as required by law. 

Thank you for your prompt attention to this matter. Should you require additional information, you may contact me at the above address. 

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

Checking my report & I still see some accounts & inquiries I have been disputing is still on my report after 40days. I have not heard anything from The creditors, bureaus, third parties. Computer generated response is not acceptable either & Im tired of you guys keep going against the law. So by written law stated remove these inaccuracies off my credit file permanently 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

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. XXXX XXXX XX/XX/2019, XXXX  XXXX XXXX XX/XX/2019, XXXX XXXX XX/XX/2019,
Product: Credit reporting or other personal consumer reports

Remove all inquiries on my credit report not attached to any accounts. 
Also requesting from the companies according to FCRA to pay {$1000.00} per inquiries on my report. 

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

You may have never heard of XXXX XXXX XXXX, yet your personal information may have been compromised in the companys recent massive data breach. 

The background check company, which is owned by XXXX XXXX XXXX, recently released details of the breach after a proposed class action lawsuit alleged XXXX XXXXXXXX personal records may have been exposed. Other reports suggest the amount of records leaked may have been more than XXXX XXXXXXXX. 

In an official data breach notice filed in Maine, XXXX XXXX XXXX indicated XXXX XXXXXXXX  records may have been breached, said XXXX XXXX XXXX, chief operating officer at Identity Theft Resource Center, a non-profit organization focused on mitigating risks of identity breaches and theft. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian 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 unveriable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian 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 Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

The XXXXredit bereaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active, and date last reported is not accurate. This ground for removal. They also violated my right under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX De XXXX Prior Related Investigation with Cfpb XXXX ( Experian ) i am submitting a complaint for the second time addressing experian, lack of response in communication to me the consumer. I have previously sent out a letter to experiment and also a CFPB complaint addressing not being able to obtain my free annual credit report. The prior investigation is above, It has been more than 30 days And you experian have not complied, Nor fixed the error on your end I am still unable to obtain my report or login in to My Experian account to dispute etc.. 

This is my 2nd attempt, reaching out to you, which will be noted in my federal trade commission report if these matters are not resolved at once.
Product: Mortgage

My mortgage was originally held by XXXX XXXX XXXX and was sold to newrez in XX/XX/2022. Neither notified us of the sold account 30 days prior to the transaction as is required by law. Newrez reached out XXXX weeks prior to the change. I mailed a payment on XX/XX/XXXX after calling and getting the address to send checks as for some reason I was not able to complete an schedule payment on the portal. The check was required to be delivered by the XXXX. When I saw the check had not been cashed, I called the company who told me that this was a known issue affecting a lot of customers and they didnt know why they were not receiving payments and told me to call back the following week. I did and was told there was still no resolution and that I should just make another payment to avoid having anything negative on my credit report, and I asked why they did not have a policy in place if they knew the reason why they were not receiving payments was an issue on their end. I called again today and spoke with a manager and he said theres nothing he can do besides give me options to either pay again now or wait for the payment to post. For people who are outside the grace period from the transfer they are reporting negatively on these people over an issue the company created by changing payment addresses on the mortgage statements but not updating the barcode that is scanned for the post office
Product: Credit card

On XX/XX/year> I made a purchase using my PayPal XXXX XXXX XXXX. On XX/XX/year> I had to call XXXX XXXX directly from my XXXX to file a chargeback for {$74.00} from that XXXX transaction. The chargeback was resolved in my favor XXXX weeks later on XX/XX/year>, and I should have received the refunded credit back into my account at that time. However, the merchant still has my entire order frozen and stating that the chargeback is still active, and it took me over a month to find out why it was still indicating open chargeback and why I still have not received my refunded credit. 

PayPal / PayPal Balance Account is the reason why. They took it upon themselves to somehow become involved in my chargeback and gave the case their own ID #, and have endlessly been changing the case timeline date to the current date and indicating that the case is still open and under review, even though this has absolutely nothing to do with them. Even XXXXXXXX XXXX  doesn't acknowledge them as being part of this and told me they will not be sending them any documentation regarding my chargeback. I called XXXXXXXX XXXX and told them the problem and they got PayPal customer service on the line for a XXXX call. PayPal claimed they were told by synchrony bank to hold onto the refunds, but that was a blatant lie because synchrony bank doesn't involve them in the first place. PayPal has no right to hold my refunds or even know about my chargeback in the first place, they are not a bank. They told me that they can hold the money for up to 60 days and then told me it's been longer than 60 days already and they don't know what the problem is. They told me they haven't received proof of the chargeback being closed but noone has any intentions to send them proof obviously. They have been telling the merchant that the case is open and causing even more problems. And they have been collecting interest on this money for over 2 months now at my expense.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting false information on my credit report. XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX  # XXXX, has violated my right. 
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section @ it also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Payday loan, title loan, or personal loan

The last response did not fix my problem if you would have read the message or looked at the pictures that I attached you would have seen that in your portal where I make my payments it is showing no active account I need that fixed because that is how I make my payments. That needs to be fixed to avoid you taking me to court because I cant make any payments or verify that they were applied to my accounts.
Product: Credit reporting

Complaint against Equifax I need to know the information Equifax and the credit grantors are using to keep reporting those accounts I suspect to be result of fraudulent activities, in order to find out if I can identify the possible fraudulent acts and actors. Nevertheless, Equifax makes it very difficult for me to conduct my investigation. Even though, I have found already wrong addresses, employers, phone number and even some credit grantors have contacted the credit bureaus reporting possible fraud in my file, they still do n't cooperate with me for a resolution of my problem. The following are some of the things I have tried in good faith to resolve these issues : 1. I have been disputing items in my credit report that I am suspecting to be result of fraudulent activity, for over a year now. Nevertheless, Equifax always comes back saying that the items were verified by the credit grantors. ( see attached documentation ) 2. I have requested them to provide me to the information the credit grantor used in order to authenticate these accounts and they never reply back to me. ( see attached documentation ) 3. They pretend to open a new investigation every time I send these letters requesting additional information used to identify those accounts as mine, and few days later they return a result as already investigated and with new information added to the file. This new information is never provided to me, in details, when I request this to be sent to me. ( see attached documentation ) 4. They have requested me to contact the credit grantor. When I have contacted the credit grantor to obtain additional information they always failed to respond to me. I have even copied Equifax and I have requested them to remove the information should the credit grantor fail to respond to my request for additional documentation. They never remove this information. ( see attached documentation ) 5. I have sent evidence of my failed communication with the credit grantor and they have chosen to ignore it. ( see attached documentation ) Please kindly proceed to open a complaint against Equifax. 

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

XX/XX/XXXX I sent XXXX updated information regarding my current employer as well as my only name that should be reported on my consumer credit report. They left the Also Known As name and instead of including all my employers, they included XXXX of XXXX of my current employers and left an employer I no longer work for dated back in XXXX. That impacts my ability to get financing as it is not consistent with the applications I applied for. 

I have a XXXX XXXXXXXX  account for over 10 years in good standing and it is not reflected on my XXXX nor the Experian report. 

I have a XXXX ( in XXXX ) and XXXX ( in XXXX ) account in good standing in over 9 years for XXXX and XXXX years for XXXX and it is not reported in Experian and XXXX respectively. 

Since XXXX % of my score is contingent upon credit history, these accounts not being reflected on the credit bureaus it is impacting my overall score and ability to qualify for financing. 

There are collection items showing up on my report. I requested a comprehensive Full File Disclosure. They have willfully chosen to be in noncompliance of the law to make their best attempt to investigate and provide me full disclosure of their investigation.
Product: Credit reporting

I have been dealing with this for years. I filed bankruptcy in XX/XX/XXXX. Several lenders reported falsely for some time which I finally was able to get corrected except for one lender. This lender would report false info and I would dispute it and then it would be corrected. I at a later time would then find out they reported the removed info again and I then would dispute it again and again it would get updated. Again I just found out they reported last month again using the previously erroneous info that was removed after I disputed it. I again filed another dispute today but I am getting tired of this game. This erroneous reporting is lowering my credit score. This is how I found that they did it again. I got informed from credit watch that my score dropped for no known reason. I pulled my latest credit report today to find XXXX has again reported the previously removed info showing a balance due and that the account is past due. They again changed the account closed date to XX/XX/XXXX when it was closed in XX/XX/XXXX and they are reporting that the account was re-affirmed after bankruptcy which never happened. Not only is the info they are reporting wrong it is an outright lie!
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Subject : IMMEDIATE REMOVAL OF UNVERIFIABLE DATA FINAL LEGAL NOTICE To Whom It May Concern, This is a formal demand for immediate removal of inaccurate, unverifiable, and outdated information appearing on my XXXX report. I am disputing the following accounts, which must be immediately deleted : XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX Pursuant to 15 U.S.C. 1681c ( a ) ( Section 605 of the Fair Credit Reporting Act - FCRA ), consumer reporting agencies are prohibited from reporting any information that is obsolete, inaccurate, or unverifiable. LEGAL BASIS FOR REMOVAL Under 15 U.S.C. 1681c ( a ), any outdated, inaccurate, or unverifiable data must be permanently removed from my file. XXXX, as a credit reporting agency, is legally obligated to ensure only fully verified, accurate, and up-to-date information remains on my report. I have previously requested verification of these accounts, and neither XXXX nor the furnishers have provided original documentation proving the accuracy of this data. This is a direct violation of 15 U.S.C. 1681s-2, which mandates that only accurate and verifiable information can be reported. Since you can not provide original, legally binding documents proving I authorized these accounts, you are required by law to remove them immediately. IMMEDIATE ACTION REQUIRED 1. Permanently delete the above-listed accounts from my XXXX report in accordance with 15 U.S.C. 1681c ( a ). 2. Provide written confirmation that these accounts have been permanently removed. XXXX. Provide a copy of my updated XXXX report reflecting these deletions. XXXX. Cease all future reporting of these accounts to any third parties. XXXX. Remove any address on my report that isn't XXXX XXXX XXXX. XXXX XXXX XXXXXXXX, Pa XXXX LEGAL CONSEQUENCES FOR NON-COMPLIANCE Failure to comply within 30 days will result in : Legal action under 15 U.S.C. 1681n ( willful violations of the FCRA ). Legal action under 15 U.S.C. 1681o ( negligent violations of the FCRA ). Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state regulators. This is NOT a simple dispute ; this is a legal demand for immediate deletion under federal law. If XXXX fails to comply, I will pursue all available legal remedies without further notice. You are required to respond within 30 days from the date of this letter, as mandated by
Product: Mortgage

On XX/XX/XXXX, I received a correspondence from XXXX and XXXX XXXX XXXX requesting I sign the documents dated XXXX. No signature was on the letter stating that loancare attempted to contact me. I have no correspondence from loancare other than my taxation notice. I contacted XXXX XXXX and left a voicemail at XXXX. 

Why are they requesting a signature on dated information that loancare stated to your office was resolved?