23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had purchased something from XXXX through a finance company and returned it within 30 days. This was in i think XX/XX/XXXX so here it is XXXX and they put this on my credit report. I called the collection company they said they gave it to another collection company. I called the other company and explained to what happened and told them I returned it back to XXXX. So they said they were not gon na try and collect and send it back to Vance & Huffman. I just called Vance & huffman today and lady wan na argue with me telling me I'm gon na pay for something I don't have. No mam I'm not they have their merchandise back. I never paid nothing because I gave it back. The paper work u have reflects that there is no payment history and that's why. This is a known issue with this XXXX  place.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX / XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Incorrect Late Payment Status on Self Financial Account Dear TransUnion, I am writing to formally dispute an incorrect late payment status on my credit report. Upon reviewing my TransUnion credit report, I noticed an error regarding the XXXX XXXX XXXX account. 

Account Information : Account Name : XXXX XXXX XXXX Account Type : Secured Loan Date Reported : XX/XX/XXXX Discrepancy : The report indicates a 30-day late payment status for the month of XX/XX/XXXX, with a past due amount of {$27.00}. 

My records show that I made timely payments, and there should be no late payment mark for this account. 

Requested Action : I kindly request that you investigate this matter and remove the inaccurate XXXX late payment status from my credit report. 

Please reinvestigate this matter as required under the Fair Credit Reporting Act ( FCRA ) and notify me of the resolution.Thank you for your prompt attention to this important issue. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

INSURANCE SENT DOCUMENTATION THAT THE PROVIDER HAD PREVIOUSLY BILLED INSURANCE AND FUNDS WERE WAITING COLLECTION, THE XXXX FACILITY NEVER SENT BILLS TO THE ADDRESS WHERE I HAVE LIVED FOR 25 YEARS. I NEVER RECEIVED AN EOB FROM INSURANCE. BILL IN XXXX WAS NEVER SENT TO SECONDARY INSURANCE. THERE WE NO COMMUNICATION ABOUT PAYMENT ISSUES EVEN THOUGH I WAS IN FOR TREATMENT 5 TIMES IN 5 MONTHS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act conversion XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15USC sec 1681sec 602 states have the right to privacy 15USC 1681sec 604 a sec 2 states a consumer reporting agency can not furnish a account without my written instruction. 


In accordance with the fair credit reporting act conversion XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15USC sec 1681sec 602 states have the right to privacy 15USC 1681sec 604 a sec 2 states a consumer reporting agency can not furnish a account without my written instruction.
Product: Debt collection

Good morning, We keep getting calls from a company with the name of Convergent XXXX which is a debt collection agency. The residents in our home don't have any old debt. They call daily, 2 and 3 times a day. Sometimes when we say Hello, the caller hangs up. Other times they ask for one of us using a name and when I ask what is this about and how can I help you, they hang up on me. One time I requested they send proof of this debt they claim we have and they hung up. I received a call this morning at around XXXX XXXX and the same thing happened when I asked how can I help them they hung up on me. I checked our credit reports just in case there was something on them that is making this company call us daily and our credit reports are clean and in very good standing. 

Please help, these calls are annoying. PLEASE DO GIVE THIS COMPANY ANY OF MY INFORMATION. THEY HAVE MY TELEPHONE NUMBER THEY CAN LOOK UP THEIR RECORDS WITH THE TELEPHONE NUMBER. 

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

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section XXXX part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report.
Product: Student loan

One problem I've had is that I transferred my loan to PSLF in XXXX. At that time I had worked XXXX at two different XXXX colleges since the winter of XXXX, so about 4 years worth of paying on my loans. 
I had my employment certified from both institutions. I called XXXX and they agreed I was eligible for the program. My loans were added and I began paying. It is now fall of XXXX, my payments from the span of XXXX ( my initial hire date ) to XXXX ( when I entered PSLF ) have still not been processed/calculated toward my 120 total payments. 
I called and spoke to them several times over the last few years, including today. I was told that waiting these are called partially processed payments, and that taking two years for the processor is normal. I asked if I could speak to the processor, no. Can I talk to anyone about this that can set some expectations as to when this will move from partially processed to processed, no. Is there any information missing, no. 
Can I know when this will done, no. 
And so on. 
I can't get them to calculate my payments, making it difficult to know what's remaining. Also, I am a salary employee and I take out XXXX ( income based repayments ) but my payments year-to-year have often fluctuated by XXXX of dollars, even with my salary changing maybe 3 to 5 % yearly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationstar and XXXX continue to report this account improperly. This account is paid in full please update this account to reflect as such.
Product: Checking or savings account

On XX/XX/20 I deposited a check for {$10000.00} using a SunTrust ATM. On Tuesday XX/XX/20 the deposit still was not recorded in my account. So I called the corporate customer service line and they said a hold was placed on the check. I am a 35 year customer wth the bank and have never had a check held before. The bank says they allowed me access to {$200.00} on XX/XX/XXXX and that I can have access to {$400.00} more tomorrow ( XX/XX/XXXX ). Then on XX/XX/XXXX they will allow me another {$4400.00} and finally on XX/XX/XXXX I can get access to the final {$5000.00}. This is an outrageous inconvenience to me and greatly hampers my cash flow. 

On XX/XX/XXXX I deposited another check for {$4000.00} and discovered this morning that that check is also being held and I have no idea when those funds will be released. Also over night, in the name of " overdraft protection '' the bank charged a separate personal account for {$9300.00} putting that account also in an overdraft status. But the corresponding account being protected was not credited for that charge, In addition, the original account to which the funds had been deposited was charge another {$10000.00} for a hold though no check was deposited to be held. As a result, two of my accounts are recording deep negative balances ( though neither was in arrears when the deposits were made ). I need access to my cash and the bank is not cooperating in any way to review the reasons for their actions. I need help to get SunTrust to take care of my problem. 

I have emailed a senior Vice President, I have made expedited complaints and requests to have my accounts reviewed, and I have visited my branch manager three times in two days. All to no avail. Can you hep me?
Product: Student loan

I have been in repayment now for about 17 months or more. I have tried calling to keep up with payments when I am switching jobs, when I am out of a job, or anything in between. I do n't know what kind of company Discover Student Loans or training they are running. But, I have, on several different occasions been told one thing, and then hear the opposite when I call in. The only consolation is, I am sorry you were given band information. This does not help my credit score or history. They have made so many mistakes in fact, that there have been multiple periods of time when I have dealt strictly with supervisors b/c representatives were either wrong or lying.
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Discover Student Loans has also on several different occasions, promised me that because I had called in to set up a payment plan with them, they would not bother my cosigners. They would " put a note on my account to not contact my cosigners '' this has been false every single time and alarmed three different people for no reason when I have set up a payment plan with an agent. What is the point of alarming the cosigners when you have a recording and a written reference ticket for a payment plan I clearly agreed to and authorized?
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I am someone who pays close attention to my credit score and I do not make a late payments, even if this means I do not eat. So, when I took a XXXX pay cut for a job that would help me move up in the XXXX world, I was advised by agents that if I make one full payment within 60 days that it will not be reported to credit. I unfortunately took this advice. This was false also. Not only did it affect my credit, but it also affected my cosigners. So much so, in fact, that one of my cosginers are unable to buy a house with a growing family. And it turns out, they did some digging and it was because of my loans.
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Unfortunately for me, I can not utilize Discover 's cosigner release option b/c you have to make on time payments for 24 months to do so. Again, their agent did not specify to me that forbearance would cancel out however many months of on time payments I had made and restart the clock. If I had known this, I would never have applied for forbearance. In addition to this, no consolidation service is willing to work with me. I have tried at least 5, including my own bank. Discover also has a consolidation option which I can not use, I am not sure what the point of that service is if your own customers can not use it. I am out of options and I do not make enough to pay out XXXX dollars immediately. So, Discover agents and supervisors giving out incorrect information about what does and does not affect a consumer 's credit need to be held responsible. Moreover, the continued harassment of cosigners when they know I am about to make a payment in a matter of days or even hours, needs to stop.
Product: Credit reporting or other personal consumer reports

I've looked at my credit report and I see that there is a inaccurate and incomplete hard inquiry on my report. From " XXXX XXXX ( XXXX ) '' on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received an alert from my credit monitoring site advising me that I have an account in collections. However, I shouldnt. I pay all my bills in time and I do NOT owe or have accounts in collections. This account was previously disputed and removed previously and somehow they replaced this account with a new collection agency. 
I am a victim of identity theft and have been since XXXX, I have over 7 police reports for identity theft, I also keep a fraud alert placed on my credit report to help protect me.

This account was not made by me or authorized by me. 

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

On XX/XX/XXXX I have submitted a direct dispute with XXXX XXXX XXXX Equifax providing proof of identity theft proof of address XXXX XXXX XXXX XXXX XXXX  tx XXXX ( documentation attached ) I have submitted a ftc report as well each company have failed to protect my consumer rights and remove the fraudulent accounts and inquiries so as of XXXX XXXX my attorney and I have a civil lawsuit against below companies and I XXXX XXXX is seeking relief to remove all disputes information and prove me with monetary compensation for each cfpb violation XXXX Fraudulent account ( XXXX XXXX XXXX ( XXXX XXXX Inquiries PAYMENT XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( 3 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax FRAUDULENT ACCOUNTS ( XXXX XXXXXXXX XXXX XXXX XXXX And all inquiries ( asap ) XXXX fraudulent account ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX Huntington Bank says they are still working on this and are not. I was told because their teller didn't look into the notes which is their job and they allowed him to cash it it is out of their hands. I was advises that I could sue Huntington for that. I can't afford lawyers fees to do that and it looks like I'm not getting the money back either.
Product: Debt collection

I received a California Franchise Tax Board tax refund intercept notice on XX/XX/2019 mentioning my tax refund {$370.00} won't be paid because I owe the money. I never received any written notice about this debt, nor do I aware of any debt I owe to someone. On XX/XX/2019 afternoon, I made a phone call to Alliance One, the debt collector regarding to my debt. But the operator can not find any information under my name nor my husbands name. Obviously, this debt is sent to me incorrectly. And they even use XXXX to intercept my tax refund ... That's quite unbelievable. 

I sent a letter request information and let them to correct the errors on XX/XX/2019 but didn't get any reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were multiple inquiries made to my credit without verification or consent on XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX
Product: Credit card or prepaid card

My ID has been stolen more than once in the last couple of years but recently I have been Contacted about this problem by an arbitrator stating that I have a credit card open in my name and its not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask Transunion on several occasion to update my report to remove bankruptcy that was filed in error on my behalf. docket # XXXX This was done in error. The us bankruptcy courts stated they did not verify this information with Transunion so I'm unsure how they obtained it. This is not valid nor has it been verified please remove this off of my report promptly. All other bureau XXXX and XXXX have been updated, and Transunion refuse to cooperate.
Product: Mortgage

Nothing happened. They ( Bank of America ) Stole my home and violated my Constitutional rights under the XXXX and the XXXX amendments. They have been investigated under XXXX. XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a dispute against Experian, XXXX XXXX XXXX consumer credit reporting agency, for their violation of my right to privacy and their unlawful furnishing of data onto my credit report without my written consent on XXXX XXXXXXXX XXXX  Acct # XXXX According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i credit reporting agencies like Experian, XXXX XXXX XXXX are required to obtain written consent from consumers before furnishing their data to third parties. However, I have recently discovered that Experian, XXXX XXXX XXXX has furnished data onto my credit report without my written consent, which is a direct violation of my rights under the FCRA. 

Furthermore Experian, XXXX XXXX XXXX has not been transparent about the data that they have furnished onto my credit report. They have failed to provide me with a clear and complete disclosure of the nature and scope of the information that they have collected and disseminated about me. 

As a result of Experian, XXXX XXXX XXXX actions, my privacy has been violated and my credit report has been negatively impacted. I have suffered financial harm as a result of Experian, XXXX XXXX XXXX unlawful furnishing of data, which has caused me to be denied credit or to receive credit on unfavorable terms. 

I am requesting that the Consumer Financial Protection Bureau investigate Experian, XXXX XXXX XXXX for its violations of the FCRA and take appropriate action to ensure that my privacy is protected and that they cease all unlawful furnishing of data onto my credit report without my written consent Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Please be advised this is my WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite the previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts, inquiries, inquiries, addresses, and phone # be verified or deleted immediately. 

Accounts TO BE REMOVED : XXXXXXXX XXXX  ( FRAUD ) Balance : {$36000.00} Date : Last reported XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ) Balance : $ Date : {$1000.00} Last reported XX/XX/XXXX, XXXX ( FRAUD ) Balance : {$0.00} Last report Date : XX/XX/XXXX, XXXX XXXX XXXX XXXX ( FRAUD ) Balance : {$730.00}, {$430.00}, {$450.00}, {$740.00} Last reported date : XX/XX/XXXX, XXXX XXXX XXXX ( FRAUD ) Balance : {$3900.00} Last Reported date : XX/XX/XXXX, Dept of Ed ( FRAUD ) Balance : {$4000.00} Last Reported date : XX/XX/XXXX, Office of The Atty GEN ( Fraud ) Balance : {$0.00} Last Reported Date : XX/XX/XXXX Addresses TO BE REMOVED : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The late payments don't reflect my normal payment Please correct and adjust my accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a number of accounts I have disputed on my Experian credit report and they come back with the results telling me they have been deleted from my report but when I search the report again a few week later or a month later and guess what? I have a new collection account - that same account I just had removed! 

Is this at all legal? Why do we take the time to document, create a dispute to have an entry investigated, then removed to only have it put back on the next time around. 

It will beat someone down after the 4th or 5th time!
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings. 

i sent a disputes letters to the credit bureaus sunch as XXXX, XXXX and Transunion, but they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is 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/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX Balance : {$9500.00} XXXX XXXX Balance : {$690.00} XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I'VE RECENTY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING