23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian and XXXX XXXX for failing to properly investigate and correct inaccurate information on my credit report, despite multiple disputes. 
I have disputed this charge-off account multiple times with Experian, yet they continue to report it as verified without providing actual evidence. 
Experian is already under investigation by CFPB for sham investigations and failure to conduct proper consumer dispute verifications. 
XXXX XXXX has written off this debt ( {$7600.00} ), yet they failed to provide a Form 1099-C, which is legally required for canceled debts over {$600.00}.

Since the IRS classifies charge-offs as income, this account should not be reported as delinquent debt on my credit report.

Experians repeated verification of false information violates 15 USC 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which prohibits furnishers from reporting inaccurate information once notified.
Product: Debt collection

On XX/XX/2017 XXXX XXXX furnished a charge off account Account number : XXXX I have never signed any written document that i owed this debt to the collector. They are violtating my federaly protected rights under the fair credit reporting act as a consumer. 
I do not know who they are and have not written consent on my end also they have not verified that i owe this debt to the alleged company. Please have this removed from all three bureaus. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Dear Sir/Madam, I am writing to appeal the decision Chase Bank made regarding my claim for reimbursement for a work trip to XXXX. The United States Department of State had issued a level three warning for US citizens just two weeks before our scheduled trip due to increased crime rates in XXXX. Our hospital canceled the trip for its employees and their families safety and well-being. 



After canceling the hotel reservation, I contacted management and requested a refund. However, they refused to acknowledge the Department of State warning, official notification for the public before they travel. I planned to stay in XXXX for three nights with my mother before she left for the United States and then travel to the second leg of my work trip further south in the XXXX. I have provided all the necessary documentation to support my claim. 

In my claim documents, I confirmed that I would not receive reimbursement from any other source. I have also contacted XXXX and XXXX, but they both refused to give me a refund or credit towards the hotel, which cost {$1800.00}. Additionally, my mother 's flight, which cost {$920.00}, is now held in credit for airlines we don't typically use. 



I received a call and voicemail from Chase Bank on XX/XX/XXXX stating that I would receive {$1800.00} back for the hotel and that in XX/XX/2024, we could receive the flight refund of {$920.00}. However, I then received an email stating that I was not receiving the refund because the reason for cancellation did not qualify for trip interruption. This is unacceptable, given that my employer canceled the trip due to a level 3 warning from the Department of State. 

I have heard of others who have had similar cases to mine and have been refunded. I request your office to mediate this matter with Chase Bank to refund my hard-earned money. 



Please let me know if you require any additional information from me to complete the refund. Thank you so much for your help in mediating and settling this matter amicably. 



Sincerely,
Product: Payday loan, title loan, or personal loan

As explained in prior CFPB complaint, Acima approved me for credit on XX/XX/XXXX, then denied me on XX/XX/XXXX, possibly due to cancel of order with XXXX XXXX XXXX, order may show pending or in process on Acima end... I was denied with XXXX 's Jewelry on XX/XX/XXXX, Acima claims reason is : '' Unable to verify Identity '', in which case, no ID verification requested at the time or previously on XX/XX/XXXX ... As stated in prior CFPB complaint, there appears to be a technical error on end of Acima which reps will not admit to or address
Product: Mortgage

I applied for a loan mod about 7 months ago and was denied. I have since paid all of my past due balances. They are now forcing an escrow account on my existing mortgage and trying to force me into another loan mod. I have no agreement other than my original mortgage.They have agreed that they are wrong but continue to harass me and push the new loan mod.
Product: Mortgage

I have a mortgage w ith TD Bank. TD Bank  did not process the flood insurance from my condo in time, and then put a Bank  Placed Insurance  ( BPI ) to cover flood and increased my monthly payments from  XXXX  to  XXXX  to adjust for the BPI in the escrow account.     TD has since received and processed t he Insurance Declaration p age for the flood insurance, and they claim they have refunded the BPI to the escrow account, but after multiple attempts and request by Supervisors, their Escrow Department refuses to perform a new escrow analysis and adjust the monthly payments. They claim they do n't want to under-collect, but fail to realize their mistake with he BPI and now are in fact over-collecting. They refuse to correct this mistake and are continuously avoiding my request to perform a new escrow analysis.     They continue to collect more than {$150.00} a month in excess.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA 15 U.S.C & 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the inquires listed below within 30 days of the receipt of this letter, you must remove these inquiries from my credit report. 


Name Of Inquires : Account Provide Physical Proof Verification : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX Inquired on XX/XX/2022.
Product: Debt collection

Not familiar who this company is and shouldnt be contacted me about a inaccurate information. 

15 U.S. Code 1692 - Congressional findings and declaration of purpose U.S. Code Notes State Regulations prev | next ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. 

( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. 

( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. 

( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.

( Pub. L. 90321, title VIII, 802, as added Pub. L. 95109, XX/XX/XXXX, 91 Stat. 874. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THE INACCURATE CREDIT REPORTING WITH THE CREDIT BUREAUS AND NELNET. THEY DO NOT HAVE COMPLETE REPORTING OF MY CREDIT HISTORY. IT IS MISSING THE MAJORITY OF MY ONTIME PAYMENTS. NELNET HAS ALSO REPORTED ME LATE MORE THAN 10 TIMES SINCE THE PAYMENTS HAVE BEEN DEFERRED SINCE THE PANDEMIC. THERE HAS BEEN NO PAYMENTS DUE YET THEY HAVE REPPORTED MANY LATES TO MY CREDIT. THEY ALSO HAVE PRIOR LATES ON MY CREDIT AND DID NOT PROVIDE ANY PROOF OF THESE LATE PAYMENTS. MY LOANS HAVE BEEN DEFERRED SINCE I GOT THEM. NELNET SENT ME A PROOF LETTER THAT STATES THAT I WAS NOT LATE, HOWEVER THEY HAVE REFUSED TO UPDATE MY CREDIT REPORT TO SHOW THIS. I HAVE BEEN DISPUTING THESE LATES FOR MORE THAN 120 DAYS TO NO AVAIL. I HAVE INCLUDED THE LETTER FROM NELNET BELOW NELNET LOAN SERVICES, ACCOUNT XXXX, XXXX, OPEN XX/XX/ NELNET LOAN SERVICES, ACCOUNT XXXX, XXXX OPEN XX/XX/
Product: Debt collection

Not a single piece of validation information was sent to me for verification. I have the right to be given validation for verification purposes. FCRA was put into place for consumer protection, and failure to do so, is against the law and a denial of my rights. As such denial to my rights warrants removal of invalidated debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached unauthorized and unverified accounts were opened in my name fraudulently. I never gave my information to these creditors to open accounts with them. I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I was a victim of indenting theft I been in two breach one by the United States postal service and one through XXXX XXXX and I also have a fraud alert I have three open credit XXXX, XXXX, and XXXX and a XXXX XXXX that I been disputing and XXXX just keep updating without sending documents verifying and my credit is being affect tremendously they will take XXXX point off but will put XXXX point back on when your paying on time I want my credit to be deleted and my score to go back up
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several complaints in reference to some late payments on my account. Nothing has been done for this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the inaccurate late payment reporting on my credit reports associated with XXXX Account [ Account XXXX : XXXX ]. This account is listed on my credit report twice, showing XXXX different amounts for the same account, and it also inaccurately reflects late payments. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), and I request immediate corrective action. 

The FCRA, a federal statute governing the accuracy and fairness of credit reporting, provides specific guidelines that must be followed by furnishers of information like XXXX XXXX : XXXX. **Accuracy of Information ( Section 623 ( a ) ( 1 ) ( A ) ) ** : The FCRA mandates that furnishers provide accurate and complete information to credit reporting agencies. I assert that the late payment reporting on my credit reports is inaccurate and does not reflect my payment history accurately. 

2. **Duty to Correct and Update Information ( Section 623 ( a ) ( 2 ) ) ** : The FCRA places an obligation on furnishers to promptly correct and update any information found to be inaccurate. As the late payment reporting is erroneous, I demand that you correct this information immediately with all credit reporting agencies that have received it.

3. **Investigation of Disputes ( Section 611 ( a ) ( 1 ) ( A ) ) ** : Upon receiving notice of a dispute from a consumer, the FCRA requires furnishers to conduct a reasonable investigation into the disputed information. I hereby formally dispute the late payment reporting on my XXXX account, and I expect you to initiate a thorough investigation into the accuracy of these entries. 

4. **Time Limits for Investigations ( Section 611 ( a ) ( 1 ) ( A ) ) ** : The FCRA mandates that furnishers must complete their investigations within 30 days of receiving notice of a dispute. I insist that you adhere to this time frame when conducting your investigation.

Failure to comply with the FCRA could result in legal action against XXXX XXXX. If these inaccuracies are not promptly resolved and corrected, I am prepared to take legal action to protect my rights under the FCRA. 

I request that you promptly investigate and correct the inaccuracies in the late payment reporting on my XXXX Account [ Account Number : XXXX ], addressing both the duplication issue with XXXX different amounts and the inaccuracies in the late payments reporting. Please provide a detailed written response to me within the time frame stipulated by the FCRA, outlining the results of your investigation and any actions taken to rectify the inaccurate reporting. 

I am committed to ensuring the accuracy of my credit reports, and I anticipate your full cooperation in this matter. Please be advised that legal action will be pursued if XXXX XXXX fails to rectify these inaccuracies promptly and in accordance with federal law. 

Sincerely, XXXX XXXX
Product: Student loan

From XXXX to XXXX, my loan was serviced by ACS ( now doing business as Conduent Education Services, I believe ). It was very difficult to make payments on my account at times, and rather than telling me about Public Service Loan Forgiveness programs or Income based repayment, they would simply offer to put me in forbearance ; and my interest would just continue to accumulate. In XXXX, I was finally told that I had to refinance my loans through XXXX in order to qualify for PSLF. Finally, I did refinance through XXXX, but I no longer work in public service. I am currently on the Income Based Repayment program through them ; and worked for 10 years in a hospital as a security officer ; but have found that I can no longer benefit from this program. ACS 's failure to notify me of my option to pursue Public Service Loan Forgiveness is negligent at best, and now I have payments that can not possibly touch the principal. Further, to discover that the 10 years I spent in public service no longer apply to PSLF is unacceptable and extremely unfair. When I left college, my loans came to about {$25000.00}. Now, they are more than {$100000.00}. I can not possibly pay this off in my lifetime. I understand that ACS had a class action lawsuit filed against them by the state of New York for the exact same reason. I can not benefit from this, because I do not live in New York. What remedies do I have?
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau I am writing to formally dispute certain credit inquiries that have been recorded on my credit report, which I believe are either inaccurate or unauthorized. The inquiries listed are as follows : XXXX XXXX. XXXX XX/XX/XXXX 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 XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me, nor do I recall ever granting permission for these companies to access my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and have removed any unauthorized or erroneous inquiries from my credit report. 

As this is an urgent matter, I kindly request that you investigate these inquiries immediately and remove any that are not valid. The presence of these inquiries is adversely affecting my credit score, and I need them deleted as quickly as possible. 

Please provide written confirmation that these inquiries have been removed from my credit report. 

If any further information is needed from my end, please do not hesitate to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your immediate attention to this matter.
Product: Credit reporting

Hospital rendered service rendered on XXXX/XXXX/2016 - it has now been almost a year. The hospital fraudulently billed. My insurance company paid the bill, the hospital billed me for the copay/balance - which was also incorrect. The hospital then sent the bill to collections. I notified the hospital & insurance company in XXXX 2016 that the bill was incorrect. 
I have maintained contact with hospital & insurance company and have been attempting to resolve the issue. In XXXX 2016, my credit score was XXXX, currently it is XXXX and continues to drop over {$100.00}.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and amendment because they were reported incorrectly in my file. 
XXXX XXXX  XXXX
Product: Debt collection

Debt recovery co. Enhanced Recovery filed false claim, I spoke with co. they claimed I owe and that co. has no unpaid bills under my name plus I never lived at address they have on file. I filed a complaint last year with your guys about same acct against XXXX XXXX, both of these co 's have multiple complaints from consumers about these co 's filing false claims under fake accts to extort payments. They claim I owe {$440.00} and sent negative report to my credit report on XX/XX/19 and XX/XX/19.
Product: Debt collection

I moved back to the US after living XXXX  for 4 years XXXX, and without US health insurance yet. But on XX/XX/XXXX, I had a necessary appointment with my XXXX XXXX XXXX and received a list of prices that would have equated to a XXXX  XXXX dollars, but when the bill came in it was for {$3000.00}. On XX/XX/XXXX, I talked to the office Supervisor, XXXX XXXX, and asked how that was possible when nothing on the pricing they gave me even equated to {$1000.00}, and all I had was an initial consult and XXXX XXXX. The Supervisor apologized and informed me that I had been given the XXXX prices, and their prices had increased significantly in the new year, but she immediately contacted someone named XXXX XXXX and cc 'd me asking if they would please honor the pricing I had been quoted. 

I never heard back from XXXX, and on XX/XX/XXXX I was contacted by billing informing me that I was being sent to collections. I explained the situation, and they told me to email everything I had just said to XXXX to avoid being sent to collections and to have someone contact me about my case. I did this immediately after hanging up the phone, using the original email sent by the medical office 's Supervisor saying they gave me the wrong pricing ; replying all in addition to adding the customer service email. Again, I heard nothing back, and on XX/XX/XXXX, I went back to the office and once again spoke with the office Supervisor. She apologized and assured me that she was going to take care of it. 

In XXXX, I received a call from a collections agency stating that they had my account, again I explained the situation to them, and offered to send them proof. She assured me that that would not be necessary, and she would contact XXXX about the case. Today, I received an account validation letter from IC System debt collectors dated XX/XX/XXXX simply stating that I need to pay them the money.
Product: Credit reporting or other personal consumer reports

I am writing once again to formally dispute inaccurate information on my credit report from XXXX For over a year, I have made multiple attempts to correct this error without receiving a satisfactory response or resolution. Your agency 's negligence in addressing these inaccuracies has caused significant harm to my credit history and negatively impacted my financial opportunities..
Product: Credit reporting or other personal consumer reports

This account was XXXX XXXX on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On Equifax the date last active is ( XX/XX/XXXX ) an an XXXX its ( XX/XX/XXXX ) and on XXXX ( XX/XX/XXXX ) If the information is coming from the original credtor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report.
Product: Credit reporting or other personal consumer reports

Under 15 U.S.C. 1666a, if a debt is charged off, that means the original creditor has written it off for tax purposes. If they sell it to a third party, you no longer owes it- because you had no contract with the new collector.