23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I called for an ambulance from City of XXXX - XXXX ( XXXX-XXXX ). The XXXX-XXXX  sent me an invoice # XXXX in the mail. I sent an email on XX/XX/XXXX advising them to file claim with my insurance company XXXX XXXX XXXX. But they failed to file within 45 days for paper claim ( non-electronic claims ). They ( XXXX-XXXX  ) UNJUSTLY and UNFAIRLY forwarded their invoice for COLLECTION to National Recovery Agency ( NRA ). I sent a letter on XX/XX/XXXX to NRA letting them to know that XXXX-XXXX  was supposed to file the claim with my insurance company but they failed. The NRA put this collection item on my Credit file without listening to me, reviewing the case or  offering any amount for settlement BECAUSE I AM AN XXXX   and XXXX! 
I would greatly appreciate your involvement in this case to ask NRA to remove the collection item IMMEDIATELY and apologize me for this UNJST and UNFAIR practice. 
Thanking you in anticipation.
Product: Credit card or prepaid card

Good Morning and hope you're doing well during Covid19 ... ..I was shocked when I reviewed my credit report and found late payment on the dates on XX/XX/2020 for 30 days. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX  I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to  be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$300.00} XXXX XXXX  Inquired on XX/XX/2020 XXXX  Inquired on XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint through this portal ( XXXX ) in regards to XXXX XXXX. I received an email from the Director stating that there is not an account in my name that could be located and can not be validated. In turn, this company does not appear to be licensed to collect in the state of Indiana.
Product: Checking or savings account

HSBC advertized the following : " Deposit a minimum qualifying balance of {$10000.00} or more in new money in cobined checking and savings acounts within 30 calendar days of account opening ; and Maintain at least the minimum Qualifying Balance for 90 calendar days from the date you deposited the minimum Qualifying Balance. You will automatically receive the {$350.00} Welcome Deposit in your new HSBC Advance checking account approximately eight weeks after completing all qualifying activities ; It's that simple. '' I opened the account XX/XX/XXXX, and made the XXXX deposit on XX/XX/XXXX. The balance stayed at XXXX or more for longer than 90 days ( specifically through XX/XX/XXXX- ie, 98 days ). It has been 8 weeks since then, and I still have not received the bonus. 

Additionally, when I spoke with XXXX ( a phone representative on Thursday ) she also said the bonus should have been in my account last week, and that should would look into it, and call me back on Friday. She did not call me back, and she still has not reached out to me or resolved the issue.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> at XXXX XXXX, TransUnion ( TU ) sent me two emails. One email welcomed me to their company. The other email stated " Thank you for choosing TransUnion! You have taken an important step toward protecting your identity & credit. Here 's the next one : Check your account details now. Log into your TransUnion account to make sure your personal information is accurate and your account settings work best for you. Bookmark your login page so you can easily access your account when you need it most. '' I did not sign up for this service. I had not contacted TU even for information. These emails came in out of the blue. So I contacted TU and informed them that I was concerned that someone else, impersonating me, was trying to sign up for a credit monitoring account with TU. I gave them the email with the Order number and said I needed to understand why it had been sent to me. They insisted on asking for all of my personal information, including my DOB and SSN, before helping me. They refused to answer any questions. So the bottom line is I told TU, that I didnt sign up for this service and was concerned about fraud and they ignored me.
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. 

Delete 17 Student loan account ( s ) : DEPT OF EDUCATION XXXX  ACCOUNT # XXXX : For the different amounts of {$6300.00} Opened XX/XX/XXXX {$9200.00} Opened XX/XX/XXXX {$5600.00} Opened XX/XX/XXXX {$2600.00} Opened XX/XX/XXXX {$2300.00} Opened XX/XX/XXXX {$3900.00} Opened XX/XX/XXXX {$7500.00} Opened XX/XX/XXXX {$1700.00} Opened XX/XX/XXXX {$3600.00} Opened XX/XX/XXXX {$5100.00} Opened XX/XX/XXXX {$4000.00} Opened XX/XX/XXXX {$2600.00} Opened XX/XX/XXXX {$1900.00} Opened XX/XX/XXXX {$1300.00} Opened XX/XX/XXXX {$2000.00} Opened XX/XX/XXXX {$3000.00} Opened XX/XX/XXXX {$1400.00} Opened XX/XX/XXXX These fraudulent student loan accounts has violated my rights. I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

My XXXX  was satisfied then sold without my consent
Product: Debt collection

Found out through XXXX XXXX there was a credit card account for XXXX XXXX that I knew nothing about. They have complete wrong information. The address, zip code and ssn does not match my information at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a dispute with the 3 credit reporting companies, XXXX, XXXX, and transunion regarding a previous company I leased with in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During the entire time I leased with them I never missed a payment and was never late. However on my move out date we experienced some severe inclement weather which delayed my move out date. I notified my leasing office and in good faith they allowed me to extend the window into which I could move out and turn in my keys. However 10 months later I start receiving collection notices that I've been referred to a collection agency for not paying rent. It is my understanding that they are now trying to charge me for staying the two additional days but that was not our agreement. We entered into a good faith agreement and they can't treat me like this.
Product: Credit reporting or other personal consumer reports

I recently noticed a various number of incorrect addresses on my credit report ; XXXX XXXX XXXX, NV XXXX and XXXX XXXX XXXX XXXX, as well as an old address I do not currently reside at and havent for a long time which is XXXX XXXX XXXX XXXX, NV XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX

Account Name: XXXX XXXX Account Number: XXXX**** Reason: Unverified account

Account Name: XXXX XXXX XXXX (Original Creditor: XXXX XXXX XXXX) Account Number: XXXX****
Reason: Unverified account

Account Name: XXXX  Account Number: XXXX**** Reason: Unverified account
Product: Credit reporting or other personal consumer reports

MY CONSUMER REPORT HAS SEVERAL ACCOUNTS THAT ARE INACCURATE, UNVERIFIED. THESE ACCOUNTS ARE A VIOLATION OF THE FCRA AND MUST BE DELETED. THEY HAVE DIFFERENT DATES OF LAST ACTIVITY AND DIFFERENT DATES AND INACCURACIES IN THE PAYMENT HISTORY FOR EACH ACCOUNT BETWEEN XXXX, EXPERIAN AND XXXX. ( XXXX XXXX XXXX ACCOUNTS ) ( XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is being sent to you in notice about the INACCURATENESS, INCOMPLETENESS, and more importantly, to your ERRONEOUS REPORTING. 
1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXXXXXX XXXX XXXXXXXX : XXXX Please remove it from my credit report. 
2. The following personal information is incorrect Former : XXXX XXXX XXXX 15 U.S. Code 1681e ( b ) REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
I DEMAND you to verify all these challenges and allegations and if can not, under the FCRA, unverifiable accounts MUST be removed. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to address an issue with my credit report from Equifax, which contains inaccurate information. My address is listed incorrectly as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, '' but the correct address is " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. '' Additionally, the report lists the wrong name, " XXXX XXXX, '' when it should reflect my correct name, " XXXX XXXX. '' This incorrect data has impacted my credit score and caused unnecessary frustration. Remove the incorrect personal information immediately, as it violates 15 USC 1681c ( a ) ( 4 ), which requires the exclusion of inaccurate data, and the maximum possible accuracy standard under 15 USC 1681e ( b ). I request that these errors be corrected promptly to reflect the correct details and to comply with these legal requirements.
Product: Debt collection

THEY CALLED ME AND MADE THREATS ABOUT ME NOT PAYING AND SAID THEY WOULD SUE AND TAKE EVERYTHING I OWN ME AND MY FAMILY WOULD HAVE NOTHING IF I DO NOT PAY THEM ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite two written requests, I still have unverified items listed on my credit report in violation of Federal Law. CRAs are required under the FCRA to have properly verified that an account listed on my credit file is mine by having a copy of the original credit application on file. In the results of the first investigation and subsequent reinvestigation, CRAs stated in writing that they verified that these items are being reported correctly. 

I have NOT been provided : * The name of the person who verified these accounts are mine? 
* How did they verify them? 
* The name of the individual, business address, and telephone number of the person or *business contacted during the re-investigation. 
* Copy of ANY original documentation ( credit application with my signature on it ) as required under Section 609 & Section 611 ( a ) ( 1 ) ( A ). 
* Method of verification as required under Section 611 ( a ) ( 7 ).

Under Section 611 ( 5 ) ( A ) of the FCRA-CRAs are required to promptly DELETE all information which can not be verified.
Product: Checking or savings account

On XX/XX/XXXX I purchased a computer from a local computer /cellphone repair company for {$450.00} dollars. I purchased it from the owner he told me to make sure it worked when I got it home this was confusing to me but I agreed. I hadn't had time to try the computer until Sunday the XXXX. However on Saturday I received a call from the owner asking me if the computer worked with him on the phone I connected the computer and it indeed turned on. The next day I had the first chance to use the computer it was then that I realized the computer wouldnt update to any of the products that I needed if for. Because the system was outdated and wouldnt allow for updates. I immediately called and left a message with the owner stating I'd he returning the computer. 
I returned the computer the following week within 1 week. 
When I got to the store to return the computer one of the owners received the computer but said the other owner had my money for the return since it was a debit card transaction I said it so the funds should be returned to the original form of payment. When the money wasnt returned I contacted the merchant he said it was a consignment it and the owner hadnt returned his calls so he only had half of my money which he offered to give me but he wanted me to sign an agreement stating I would accept half of what he sold it for if and when he sold it no matter how much that was. I questioned him regarding no posting of the return policy. His response was well ypu should have asked me about the policy. I told him that the state of MA allows any return policy but whatever that policy is it must be posted and it wasnt. All of this was made clear to Bank of America when I disputed the transaction they denied the dispute stating the merchandise wasmt returned even the merchant didnt dispute that they have the computer the merchant also supplied there return policy which states that consigned items can be returned within 1 week. The merchant also supplied a false invoice that states consigned items cant be returned but they also supplied there return policy that they claim is on the wall in clear view of customers within this policy under merchandise you will see my claim that comsogmed items can be returned it's my contention that bank of America didnt investigate this claim they simply denied it I have all the supporting documents to send proving my claims
Product: Payday loan, title loan, or personal loan

I was affected by COVID-19, I lost my job, I reported to OPORTUN the financial companies that I could not continue to temporarily make my payments due to the pandemic. they replied that there was no problem. my last payment day is on XX/XX/2020 and until that date I deviated {$3300.00} dls. I got my job back on XX/XX/2020 I made a payment of {$110.00} USD on XX/XX/2020 and I realized that they were charging me interest for {$430.00} USD. they did not mention those charges. they didn't say anything when I notified that I was affected by COVID-19
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies related to my name, address, telephone numbers, and employment information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Vehicle loan or lease

Hello and hope all is well. Credit extended for vehicle purchase in 2015 from Auto Trakk. Retained vehicle and its contract for over year. Within the second year of the lease, I became unemployed. Requested extension until unemployment is approved. The company offer some assistance, however, it was not enough to stop the on-going calls for the debt owed. The account has been on the credit report, for now, a total of 15 years requesting removal according to FCRA guidelines.
Product: Debt collection

This phone number ( XXXX ) XXXX belongs to Mountain Land Collection Agency in XXXX, Utah keeps calling me several times a week for over a month. It is a recording wanting me to call a number if it is not me or XXXX if it is me. They are asking for me by my first name and middle initial only saying it as through it is just my first name. I am unaware of any debt, do n't I need to be contacted by a company that thinks I owe them something first? I am fearful of calling back to find out what this is about, do n't want to be billed for a fraudulent call. this is a form of harassment! They leave embarrassing massages on my answering machine for my clients and friends to hear, it is ruining my business and my reputation.
Product: Checking or savings account

My accounts were compromised many times and I was told my complaint could not be addressed in a previous closed complaint because I did not specify or detail activities in my original complaint against the company. I had a Wells Fargo account in the past and like I told the representative who was handling the older case I did not have access to those old accounts and could not provide specific dates and she advised I could not get access to the accounts because they only go back 7 years, but as I stated the lawsuit goes back to 2011, which is way beyond 7 years and as stated previously during my time with Wells Fargo my account was compromised numerous times and I have not been compensated for the past occurrence. Therefore, my complaint has not been fully addressed or resolved.
Product: Credit reporting or other personal consumer reports

To : XXXX, XXXX, and TransUnion Subject : Formal Request for Deletion of Unverifiable Account Based on Innovis Deletion To Whom It May Concern, I am writing to formally request the deletion of an unverifiable account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( B ). The account in question is listed as a charge-off from XXXX XXXX XXXX XXXX with a balance of {$XXXX}. 

On [ date ], I disputed this account on my XXXX credit report. XXXX completed their investigation, and as of XX/XX/year>, the account was deleted from my report. Given this deletion, I am requesting that XXXX, XXXX, and TransUnion remove this unverifiable debt from my credit file. 

Under the FCRA : Section 611 ( a ) ( 1 ) ( A ) obligates you to investigate disputed information and delete or correct any unverifiable account within 30 days.

Section 623 ( a ) ( 1 ) ( B ) mandates that information furnishers must not continue reporting inaccurate or unverifiable information. 

Since XXXX has removed this account, it is evident that the account could not be verified. Therefore, I am requesting that all three credit reporting agencies conduct similar investigations. If this account can not be verified according to the standards of accuracy and completeness set forth in the FCRA, it must be deleted from my credit file entirely. 

Legal Right to Sue if Not Addressed : Should your investigation fail to result in the deletion of this unverifiable account within 30 days, I reserve my rights under Section 616 and Section 617 of the FCRA to seek legal action against your agency for willful or negligent noncompliance with federal law. Noncompliance may result in damages, court costs, and attorney fees as outlined in these sections. 

Additionally, the deletion of this account by Innovis demonstrates that it can not be substantiated. Continuing to report unverifiable or inaccurate information may also violate Section 623 ( b ) ( 1 ) ( C ), which requires furnishers to cease reporting information found to be inaccurate. 

I request written confirmation of the results of your investigation and a revised copy of my credit report reflecting the deletion of this account within 30 days of the date of this letter. Please send all correspondence to the address provided above or via email at XXXX. 

If you fail to resolve this matter promptly, I will escalate my complaint by submitting a formal dispu

te to the Consumer Financial Protection Bureau ( CFPB ) and may pursue further legal remedies. Thank you for your prompt attention to thi
s matter. 

Sincerely, XXXX XXXX
Product: Student loan

Yes, I am not sure why my XXXX  Loan Forgiveness Application was denied in XX/XX/XXXX. I have been XXXX at XXXX XXXX XXXX in XXXX, XXXX  since XXXX. Before that I was XXXX  at other low income schools as a XXXX XXXX XXXX. In the denial from Aidvantage, it stated that XXXX XXXX XXXX was not in the directory of low income schools. And I checked, and it is. I just reapplied for loan forgiveness today and sent them a screenshot of the school I work at existing in the directory. Their actions are very dishonest, fraudulent, and predatory and I want the loan forgiveness I have rightfully earned per the XXXX Loan Forgiveness Program rules. I also want the money I have been paying to them since XXXX back. I am so frustrated. It's not that hard to look for the name of a school arranged by location and alphabetical order, so I have a hard time believing this is not purposeful.
Product: Checking or savings account

I have observed that Citizens Bank has repeatedly rearranged my transactions in a manner that has led to countless overdraft fees. For instance, I have noted instances where deposits were processed after debit transactions, causing my account to be overdrawn and resulting in multiple overdraft fees. This manipulation of transaction order appears to have been intentional and has contributed to substantial financial hardship. 

As a result of these fees, my account was eventually closed. Furthermore, Citizens Bank reported me to XXXX, which has severely impacted my ability to open new bank accounts with other financial institutions. 

The handling of my account by Citizens Bank seems both unfair and detrimental. I have made several attempts to resolve these issues with your representatives, but the matter remains unresolved. I request a detailed explanation for the transaction reordering, a refund of all overdraft and associated fees, and an assurance that this information will be removed from XXXX. 

Please treat this letter as a formal complaint and provide a prompt response. I am eager to resolve this matter amicably and restore my financial standing. 



XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Account Number ] ( if applicable ) -- - Feel free to adjust the details according to your specific situation.