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

XXXX account # XXXX I disputed the accuracy of this account and told them that it is incorrectly being reported as a charged off account with a balance due, further more asking them to provide proof by verifying the charge off and update the balance to {$0.00} or delete the negative payment status on this account. To this day they just keep saying it was verified without showing me proof. 2. NCA Account # XXXX I disputed this account stating : " I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. Per the FCRA 611 ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been back and forth like a ping pong ball regarding this current issue with XXXX reporting on my credit report.Ive already filed complaint with attorney general as well. I recently made a complaint with you guys that this account falls within the guidelines for the settlement with XXXX. I have a copy of the letter from XXXX in regards to my complaint against their agency. In letter Im attaching filer other complaint # XXXX their admitting that they have no information on this account. What is more scary is that Experian has constantly verified this account? Which means no thoro investigation has Ever been done by bureau Ive included copies of Experian verifying this account, despite the original company have no information or knowledge of account. Please assist me and look into this concern. Ive also noticed that your aware based on a lawsuit you have against XXXX of their faulty reporting please help me
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the findings of your recent investigation into XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your investigation, as outlined in your correspondence dated XX/XX/year> failed to meet the standards required under Section 1681o of the Fair Credit Reporting Act ( FCRA ). 



Under Section 1681o, consumers are entitled to recover damages resulting from negligent noncompliance with the FCRA. Your failure to conduct a reasonable and thorough investigation constitutes a clear violation of this statute. Specifically : 1. Failure to Investigate Submitted Evidence : I provided [ list specific documents, evidence, or supporting materials ] on [ date ]. This information appears to have been ignored or inadequately reviewed during your investigation. 

2. Inaccurate or Incomplete Findings : The conclusions reached in your investigation do not align with the evidence I provided or the facts of the matter.

3. Negligent Noncompliance : Your investigation process did not meet the standards required by the FCRA, as it failed to reasonably ensure the accuracy and integrity of the reported information. 



I request that you immediately re-open this matter and conduct a proper investigation. Additionally, please provide me with a detailed explanation of the steps taken during your initial investigation. If you fail to address this issue adequately, I reserve the right to pursue legal remedies as provided under Section 1681o, including recovering damages caused by your negligent noncompliance. 



Please confirm receipt of this letter and provide a response within [ state a reasonable timeframe, e.g., 30 days ], as required by law. Should you require additional information, feel free to contact me directly at XXXX XXXX 



Thank you for your attention to this matter.
Product: Debt collection

Re : MEDICAL DATA SYSTEMS D/B/A MEDICAL REVENUE SERVICE XXXX AL XXXX ( XXXX ) XXXX This is a Medical bill that originated from XXXX XXXX. Originally sold to XXXX XXXX. I made an arrangement with the creditor and was advised when loan payed off it would be deleted. Payment arrangement was auto debit {$75.00} from my account. Last year, the account was deleted from my report. Assuming it was paid, I felt my account was in good standings and was satisfied. Today I receive an alert, this collector XXXX XXXX has reported me past due. No 30 day written letter was sent advising me my account was seriously past due. I didnt even know who they were until today. When I called collector was verbally abusive saying well we sent a letter saying it a payment would be drafted. I responded do u know how many autodebits I have, thats not saying Im late. They advised we called, when I asked for the number it was my old number. So at this point, Im nothing has been sent saying I owe you. They go well if u had looked at the letter youd see the balance was the same. I said actually no, I didnt see that, when I get my bills if doesnt read disconnect service or adverse action letter credit reporting warning 30 days I disregard. So I asked did you send me a letter stating the account was past due. They said no. I said did you send me a 30 day letter of credit reporting per FCRA, they said no. I said well how the heck was I supposed to know I owed you money. She stated you should keep better track of your bank account and youd know it didnt draft. I advised her if the card on file is not valid it will not reject therefore I wouldnt be aware that there is an issue. Moreover, I didnt even know they had my account or what it was in reference to, I just knew I had multiple medical bills from my accident and assumed it was valid. 
Now my credit has a derogatory mark that I discovered not from creditor but through my credit alerts. My FICO credit was at XXXX its now XXXX point reduction. Had I known about this past due, i would have paid it before it hit affected my credit. I wasnt given the opportunity and they refuse to remove or give me 30 days to rectify. They kept patronizing me saying its been 3 years. I advised them a payment plan is not unusual for medical bills but I cant pay on something I dont know is outstanding. No payment rejected in my account, no past due letter is sent, and finding out from the credit bureau when all they had to do was send me a letter is unacceptable. 
Please investigate their poor collection practices. I need this removed off my credit file immediately.
Product: Credit reporting or other personal consumer reports

According to the FCRA ; reinsertion law, it prohibits credit reporting agencies from reinserting accounts that have been previously disputed and removed from a consumer 's credit report.If a consumer 's dispute leads to the negative information being removed, it can not be reinserted without first notifying the consumer in writing within 5 days. On XX/XX/year> the said accounts were deleted from my credit report only to reappear weeks later. There was no written notice received from the CRA in reference to the accounts being reinserted.On XX/XX/year> I filed a complaint with the bureau 's in reference to the situation.There was action taken. The accounts in question were closed, but not removed from my credit report. 
* XXXX XXXX XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

an unauthorized purchase was made on this card on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX please remove this amount. 

there is also a charge for interest on this account from XX/XX/XXXX in the amount {$46.00}. 
your online chat support agreed while my account was under investigation i wouldnt be paying interest. 

please honor this.
Product: Credit reporting or other personal consumer reports

I requested for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully requested XXXX XXXX & XXXX to provide me with competent evidence that I have any legal obligation to pay. I get no response from the company, but they continue to report invalidated information to all of the three major credit bureaus ( XXXX, XXXX, XXXX ).
Product: Debt collection

There was transactions reported by me on XX/XX/2021. Paypal flagged my account as i dispute the charges. I kept telling pay pal that it seems to be illegal charges being made on my account. Paypal denied the charges and i reopened the dispute and told the financial institution. I disputed it right away. Paypal denied it right away again. Told me to take it up with the bank. I told them it never came out how is it I'm seeing it in my Paypal? They were very rude and threatened that if I didnt pay this account my credit would be ruined and the relationship with synchrony would be severed. Paypal let another transaction go through while there was open disputes. Then paypal let another transaction go through even though it was flagged it. The bank said it was fraud for the other 2 payments and said NO. I called and let paypal know it was not to go through because it was unauthorized. Paypal let it go through anyway DESPITE the DISPUTE that was in progress. Why? I asked them why would they let it go through if there was open transactions that were actively in dispute Paypal had the opportunity to STOP that payment. The errors were never fixed and Paypal continued to limit my account, which caused them to fraudently charge my account interest and late fees. They have damaged my credit. How can I efficiently make a payment if the site does not work. They limited my account due to identity, but wont remove the charges or interest fees. An unauthorized payment was paid by paypaland they need to do a charge back from the other party. He has their money. They have flags on my account NOW which should have been there from this scam they pulled and it would. The bank told them it was fraudulent. Why didn't paypal take the appropriate action to cancel the payment? Especially since I nor the bank authorized it. It should have been flagged as unauthorized unfunded or nonpayment. I now have a balance of {$2300.00} on my paypal account because the site is a scam and wont allow me to make a payment. I have to call by phone which they always state long hold times. I have asked them to validate this debt on multiple occasions. Paypal has shown abusive and deceptive debt collection practices, according to 15 USC 1692 this is a direct violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Transunion on multiple occasions concerning the removal of unauthorized and fraudulent inquiries on my credit file. Customer service told me there was no way these inquiries could be removed. About a week later a colleague of mines contacted Transunion with the exact same type of scenario and the representative removed the inquiries over the phone. The colleague of mines saw the reflection of this on his Credit report the very following day. Why was i told something could not be done by one rep? Only to have a colleague call a week later and his request was successfully honored? I feel i was discrimated against, because there is no other alternative for us both to not receive the same type of service. I am requesting again for the following credit inquiries to be removed immediately because they are fraudulent and unauthorized XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/2021 Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/2021 XXXX XXXX  XXXX XXXX  XXXX  Date of inquiries : XX/XX/2021 & XX/XX/2021
Product: Debt collection

Sometime between XXXX and XXXX XXXX Real Time was hired by XXXX as XXXX 's agent to collect an alleged, contested mortgage debt. In discussions with Real Time as in addition to supplying Real Time supporting documentation, Real Time ceased collection attempts. ( I did a get a form letter each year about debtor rights in truth I get these from credit card and banks I haven't any relationship, so these did ) In XXXX Real Time advised these matters were transferred to XXXX XXXX XXXX 

Issue one - Apparently Real Time did not vet, verify or question the collection and files XXXX transferred Issue two -Apparently the documents supplied to Real Time ( in house lawyer, ) all I remember is the lawyer was female, friendly and understanding, she understood the issues presented, appeared to have NOT passed on to XXXX or XXXX XXXX XXXX Issue three- IF Real Time did pass along to their client XXXX and / Or XXXX, current events suggest neither XXXX or XXXX XXXX XXXX were received these documents or records of conversations Real Time had a responsibility to have kept and passed along to their client and successor. 

If Real Time failed at their responsibilities to Me, XXXX and XXXX each and all then Real Time has brought upon me financial, emotional and legal harms, Past, Present and now Future as such Real Time need be held accountable. 

REAL TIME, XXXX AND XXXX ARE IN POSSESION OF DOCUMENTS
Product: Debt collection

Sent a letter to subpoena records from XXXX which is my car loan company. They are Kent Hopkins collecting for a water bill on behalf of city of XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccuracies on my credit report related to disputed accounts. Despite multiple requests for investigation, these errors remain unresolved, causing significant damage to my credit file and affecting my financial well-being. 

The ongoing presence of these inaccuracies has resulted in considerable hardship. I kindly request that you thoroughly investigate each disputed account and take the necessary steps to rectify my report as soon as possible. 

I urge you to treat this matter with the utmost priority to ensure the accuracy of my credit report. Your prompt action and cooperation in resolving this issue would be greatly appreciated. 

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

I had an account with XXXX acct # XXXX which was never late and was removed from my XXXX credit files due to inaccuracy and fraudulent practicesXXXX/EXPERIAN continue to report a chargeoff on my credit profile that is illegal and was never late they have chose to report account as chargeoff dated XX/XX/year> with NO data of my previous payments that were made this account has several inconsistencies as you will see below it reports what it wants to please remove this from my credit file immediately. 
This account Isa true VIOLTATION of THE FAIR AND ACCURATE CREDIT TRANSACTIONS ACT. 

XXXX XXXX reported 25 late payments XXXX XXXX reported 35 late payments XXXX XXXX reported 32 late payments XXXX XXXX reported 30 late payments XXXX XXXX reported 57 latepayments Just a kindly reminder that these are all violations that are on record and are damaging both financially and mentally it has caused me inability to acquire credit for my household.
Product: Mortgage

TIAA bank will not offer a loan forbearance too, as I am entitled to under the cares act. They all of a sudden said a new company owns my Mortgage. A company called XXXX  XXXX  with over 5000 complaints on the consumer financial protect office. 

They refuse to offer a forbearance. My credit is going to be ruined like the 5000 other complaints you have received. They have a policy where humans do not pick up a phone call. Awful company TIAA and XX/XX/XXXX is. They are ruining everyone 's credit with their incompetency. 

I have reached out to them 42 times trying to get a forbearance.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX
Product: Debt collection

I signed up with a debt relief company I had been paying off debts I had kept getting calls from 2 creditors on the list in line to be paid .. They ignored the debt relief company sent summons to court ..so I left the debt relief company it has been a long struggle to pay them and every lawyer I talk to said it wasn't legitimate? I am out close to XXXX ... Now got a lawyer for bankruptcy they tried to contact this company with the summons to have this court date extended they ignored them to so now I missed this court date now I am under the threat of having my XXXX check taken from the bank.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  had a note with  XXXX , the balloon payment was coming due  XXXX   XXXX ,   XXXX  .  XXXX   XXXX  contacted  XXXX  in  XXXX  of   XXXX  .  XXXX  advised  XXXX   XXXX  to continue making his monthly payment and  XXXX  would work with him on getting the balloon payment refinanced.      XXXX   XXXX  continued to send in his monthly payments and work with  XXXX  on a refinance.  XXXX   XXXX  made payments in  XXXX ,  XXXX ,  XXXX , and  XXXX . In  XXXX ,  XXXX  returned the  XXXX  and  XXXX  payment and advised  XXXX   XXXX  that he was in default and  XXXX  would no longer accept additional payments.      XXXX   XXXX  was ultimately able to pay off the balloon payment in  XXXX  but  XXXX  continues to report to the Credit agencies that  XXXX   XXXX  failed to make his  XXXX ,  XXXX  and  XXXX  payments. This is making him in excess of 120 delinquent, even though  XXXX   XXXX  made the payments.     We contacted  XXXX  and attempted to resolve but they are stating that he was in default because he did not make the balloon payment. However,  XXXX  made an oral agreement to accept the payments and then accepted some of the payments but is reporting  XXXX   XXXX  did not make a payment in  XXXX  when he did make the payment and  XXXX  accepted the payment.  XXXX  is also reporting  XXXX  and  XXXX  payments not made when they were made, but returned.     We have disputed the information with  XXXX ,  XXXX ,  XXXX , and Equifax.  XXXX  continues to insist that the credit reporting is correct, despite having received payments in  XXXX ,  XXXX  and  XXXX .      XXXX   XXXX  has been denied credit because of the negative reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Credit provides " guidance '' on improving credit scoring. When I follow THEIR guidance nothing happens! I had a XXXX credit score. " Now, it's XXXX! WITH NO CHANGE IN MY PAYMENT HISTORY! To refinance my home at the best rate, 2.25 %, I need an XXXX. My credit is " EXCEPTIONAL '' { XXXX  's words not mine } and indeed it is! NO missed or late payments EVER. YET month after month NO VIABLE INCREASE. I guess their " scoring rules '' use things like " length of credit accounts '' which I have NO CONTROL over except MORE WAITING for time to go by! This is XXXX and XXXX. THE XXXX XXXX NEEDS TO STEP IN AND MAKE THESE CREDIT COMPANIES BE REALISTIC! They REFUSE to do it on their own!!! If I am, by THEIR OWN WORDS, " Exceptional '' WHY isn't it designated XXXX NOW!!!??? IF CFPB is a watchdog agency, where are the REPERCUSSIONS for these companies? Reaching AN IMPOSSIBLE STANDARD is NOT a " Standard ''. Also, as SOON AS YOU LOG IN, one is MET with PAY US {$24.00} A MONTH and things will be better! SCAM!!
Product: Debt collection

An entity purporting to be a legitimate debt collection agency, Harris & Harris , Ltd., sent a fraudulent deliquency notification for treatment provided XX/XX/2020 by XXXX XXXX XXXX XXXX. The notice provides telephone number XXXX. When I called to verify the notice by providing the reference number, the entity terminates the call. The address listed for remitting payment is Harris & Harris , Ltd. c/o Trustees of XXXX University, XXXX. XXXX XXXX, XXXX XXXX, NY XXXX. A pay by phone number is XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to cfpb to address concerns that my credit report is being falsely reported. Your failure to verify these accounts has hurt my ability to obtain credit. Under FCRA rules failure to remove these accounts is violating my consumer rights. 

Under 15 US Code 1681b Permissible purposes of consumer reports I never gave permission for these collection accounts : XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXXXXXX {$240.00} Delete these accounts immediately! 

Furthermore, I am a victim of identity theft. Can you delete these accounts and send me an update? 

Lastly, late payments or derogatory statuses is a direct violation of FCRA 605B I am requesting the deletions of the late payments for : XXXXDEPT OF ED XXXXDEPT OF ED 11 late payments which have been deferred. 

Respectfully, XXXX XXXX