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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Re : Request for Removal of Charge-Off Account Account : XXXX Account Number : [ XXXX ] Dear Sir/Madam, I am writing to formally dispute the accuracy of the information being reported on my credit report under the account listed above. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq., I am exercising my rights under federal law to challenge the validity and completeness of this account 's reporting.

Under Section 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a detailed description of the investigation they conduct within 15 days of receiving a consumer 's dispute. Therefore, I request that you initiate a thorough investigation into this account 's history and provide me with the following information : 1. The Original Creditor 's Verification : Please verify the accuracy of the reported information with the original creditor, including the date of first delinquency and the accuracy of the balance owed.

2. The Date of First Delinquency : According to my records, the date of first delinquency and subsequent charge-off may have been reported inaccurately. Please confirm this date, as it is critical in determining the reporting period.

3. Verification of Account Status : The current status of this account appears inconsistent across the various credit reporting agencies. Specifically : o TransUnion reports the account as Charged off as bad debt with a derogatory rating and mentions Dispute resolved ; customer disagrees. 
o XXXX reports Subscriber reports dispute resolved - consumer disagrees, noting an unpaid balance reported as a loss. 
o XXXX lists the account as Amount in high credit original charge-off amount and mentions XXXX disputes after resolution. 
XXXX. Inconsistent Payment Histories : The payment history reported by TransUnion, XXXX, and XXXX varies significantly, reflecting discrepancies that cast doubt on the accuracy of the account information. 
Given these inconsistencies, I believe that this charge-off account may not be reported accurately or in full compliance with the FCRA. Therefore, I am requesting that this account be removed from my credit report immediately, or that you provide conclusive evidence to support the continued reporting of this account. 
If you are unable to verify the accuracy of this account, I expect you to remove it from my credit report within the legally mandated 30-day period. Additionally, please provide me with a copy of the detailed investigation report as required by Section 15 USC 1681i ( 7 ).

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your receipt of this dispute and the results of your investigation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/year> SSN : XXXX
Product: Debt collection

Upon close inspection of my recent credit report, I identified several unauthorized accounts that I believe are incorrect and were included without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Good Day I had an account with XXXX about 2 years ago. It went into collection, which I started paying on the account since I received the collection notice. its been 2 years and my account has been sold 3 or 4 times without notice. I made a payment on XX/XX/2020 and on monday XXXX I received a notice that Resurgent capital has the account. 
XXXX was the first collection agency that had my account where I was making payments monthly. then XXXX XXXX XXXX had it next where I was making biweekly payments. 
When I email XXXX they say Resurgent capital has my account even though I was making payments to the other two collection agency. I feel like XXXX  is doing something that is not correct. If I am making payments why is my account constantaly being sold all the time.especially when I am making payments. I dont even get a notice even though they are taking the money
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little explanation on. I have the right to challenge anything I am not sure is accurate. Two of the accounts on my report are not reported correctly. They put different dates and information for all three of the credit bureaus. They also are not licensed in my state to be a collection agency. I have reported them to the NC Attorney General who is investigating them and has demanded proof of licensure, but they can not prove licensure. 
Are you familiar with something called 1.5 U.S.C Sec. 168. That is supposed to state if they can't provide proof of licensure and that they report correctly, it has to be deleted. I want these accounts deleted if they are not 100 % accurate. So, could you please check on these and get back to me? I saw on a credit website where I have 30 days to hear back from an investigation. Please investigate the following account. I have the screen shots proving they have reported the balance update, account information, closed vs open on this account different for XXXX, XXXX and XXXX. That can not be legal. 

ProCollect Account Number XXXX
Product: Credit reporting

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX TransUnion LLC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report. These items I 'm disputing also are listed bellowed. As well I have attached copy of my credit report reporting so that you could see the account information individually. 

This item I 'm disputing are student loan that have appear on my credit and they are not mine. I have file several complain to CFPB each account sparely. In addition I had file several complain to Ombudsman directly and the respond was my entire Loan are paid in full there are no other loan from any of the other agency pending. The answer is the account is not there 's. What you are reporting is inaccurate or incomplete. I am requesting that the item be deleted and to correct the information. 

Enclosed are copies of enclosed documentation, such as Letters supporting my position. Please reinvestigate this these matters and ( delete or correct ) the disputed item ( s ) as soon as possible. I have attached copy of all the correspondence regarding this issued. 

( 1 ) A copy of my credit report on each account for XX/XX/XXXX ( 2 ) Letter from Dept of Education XXXX Discharge XX/XX/XXXX ( 3 ) Letter from XXXX XXXX/XXXX/XXXX FFEL Teach Loan Discharge ( 4 ) Letter from XXXX XXXX/XXXX/XXXX Federal Perkins Discharge ( 5 ) Letter from my Attorney in XXXX/XXXX/XXXX ( 6 ) Complain report from CFPB ( XXXX ) Correspondence from Dept of Education ( 8 ) Correspondence from XXXX Unfortunately these institutions have not provided me with accurate information. In addition the XXXX XXXX took this entire loans with out my consent. They lied they said it was scholarship not needed to be repaid. 

What I do n't understand if I submitted all the documentation that was request of me for the XXXX on time in XX/XX/XXXX. Why I 'm dealing with this nightmare still 8 years letter. 

Furthermore XXXX was able to process my application plus report to the Credit Bureau that Loans were paid as agreed close. Why do the other agencies report I was UN default? Along with loans benign open send to collection and late. Why are they still open it should be close? In addition it has been 8 years seen this Loan were reported to the Credit Bureau. And how many centuries do they need to solve these problems. 

To solve the problem, I will appreciate your clarification and explanation on every single loan that appear on my credit report. My Understanding was that XXXX took XXXX loans and the Dept of XXXX Paid and clea
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been 30 days I havent received any help have tried to contact a variety of ways if the CFPB can not help me I will have to contact the attorney general or someone of higher ranking I put a dispute in last time and it never showed up even when I got a confirmation number. As for Equifax I need them to merge my files XXXX must have created another file instead of posting the line on my existing file. I need it reported.
Product: Credit reporting or other personal consumer reports

Purchased a car on XXXX.was given a fraudulent XXXX  report by dealer but didn't know. Car needed more repairs than should have for mileage. Pulled a XXXX report and found odometer tampering wasn't reported on report at purchase. Dealer breached loan agreement and my loan was canceled. Loan was removed from my credit report which caused my credit to drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to Chase multiple times regarding this matter. My first letter to Chase, I requested the original consumer contract on XXXX XXXX. On the letter I sent my social security number, address, drivers license and account number. Chase responded asking for more information regarding this account which I don't have. Chase have yet to send me the original consumer contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete Hard inquiries : 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 or other personal consumer reports

I have been a victim of identity theft, and my personal information was used without my consent, leading to items appearing on my credit report that I was never involved with. Following instructions from Experian, I filed a report with the FTC and submitted it, yet these fraudulent items still remain on my report.
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  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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: Money transfer, virtual currency, or money service

I sent {$1800.00} western union to a friend after I sent it I received an email from western union that they needed me to call to varify information. 
When I called the began to interrogate me and ask personal questions about my relationship with my friend exactly why am I sending this money, when I last seen him in person why I didnt give him the money then how long I know him feeling violated I did not answer the questions to there liking the cancelled the western union and have not yet refunded me my money I was told I 24 hours. 
I feel my rights were violated by this phone call and would like to put a complaint against this type of harassment.
Product: Bank account or service

On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received, namely, promotion XXXX. The promotion promised an award of XXXX XXXX XXXX AAdvantage ( R ) miles upon completion of {$1000.00} in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. A copy of the terms and conditions of the promotion is attached. 

After completing the requirements on XXXX XXXX, 2016, I messaged Citibank via their online secure messaging system to confirm that I was enrolled in the promotion and had met the requirements. On XXXX XXXX, 2016, Citibank confirmed that the requirements had been met and that I should receive my XXXX AAdvantage miles within 90 days. A copy of this communication from Citibank confirming enrollment in the promotion and completion of the requirements is attached. I further confirmed this in a later chat on XXXX XXXX, 2016 ( also attached ), that the miles would be awarded no later than XXXX XXXX, 2016. After XXXX XXXX passed with no miles awarded, I messaged Citibank again, which opened an investigation that appeared to do nothing. I messaged again XX/XX/XXXX, an on XXXX XXXX received a letter ( also attached ) stating that the miles would be awarded as soon as I gave my XXXX XXXX frequent flier number, which the bank had somehow lost. I called and gave the number that day and was told that the miles would be deposited within 3-4 business days. When this date also passed with no miles deposited I messaged again, which resulted in Citibank starting a new " investigation '', though I am not sure exactly why. The CSR was unable to tell me how long this one might take. 

Each month that passes without my miles being deposited results in a {$30.00} charge from Citibank for this " premium '' Citigold checking account. So far it has been over 2 months since the date I was to receive my promotional miles, or {$60.00} in additional charges that Citi has dragged from me because of their stubbornness in awarding the bonus they themselves admit I have completed the requirements for. 

As of the date of this complaint, my AAdvantage miles have still not been rewarded, despite them having been promised by XXXX XXXX, 2016. 

Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember who received the promotion, I am over XXXX years of age, and I had never before held a consumer checking account with Citibank. 

Please help me to get my awarded promotional miles. Thank you. 

Note : the password to open the protected citibank leter dated XX/XX/2016 is XXXX
Product: Credit card or prepaid card

Citibank opened a credit card that I did not order & refuse to close it.   And now are sending charges.    XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested a free yearly credit report. Now we found out that we are being charged by Experian ( deducted from our credit card ). Furthermore, we receive emails solicitation " enhancement of membership ''. We never agreed to any membership. All we asked for was a free credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made several attempts to correct the issue with Prestige Company. Company stated applied for a vehicle on XX/XX/2018 from XXXX XXXX and XXXX XXXX XXXX. Made contact with both companies with certified mail and they failed to comply according to FCRA. Prestige continue to report Hard inquiries on report. Requested hard copy and continue to get letters not complying to guidelines.
Product: Debt collection

I went to a normal medical appointment and consultation at XXXX back in XX/XX/XXXX. During that time, I was a self pay patient and paid in full for a consultation appointment and requested blood work separately. The collected blood work was completed at XXXX facility and sent to XXXX for evaluation. Shortly after, started receiving bills from XXXX for the blood work. I contacted both parties billing department and advised them that the blood work was paid in advance and in full. Also, that XXXX needs to pay XXXX since I was a self pay patient and I paid XXXX for the lab work in advance. I sent follow up emails and copied as well as attached pdf copies of the paid in full receipt of payment. Still even with the documentation and acknowledgment from the billing department representatives the XXXX continued to send billing statements for lack of payment to Me and XXXX has still not paid XXXX. Now as of XX/XX/XXXX this has not been resolved and a third party retained by XXXX, Credit Collection Service from Massachusetts, sent a collection letter as a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

attached is the CERTIFIED MAIL FROM USPS XXXX. Experian is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! XXXX XXXX XXXX XXXX Account:XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX Open options Account # XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX XXXX Open options Account # XXXX Inquiries XXXX XXXX XX/XX/XXXX 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 XXXX XX/XX/XXXX, XXXXThese accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFBP lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns bout consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed ATG a letter requesting validation of a debt that they said I owed via certified mail for which I have proof. It is now XX/XX/XXXX, 2 months later, and they still have not answered my request for validation, and I have yet to see any results from their investigation. Per the FCRA and FDCPA debt collectors must validate the debt that they say a debtor owes within 30 days or delete it from their file, and stop reporting it as accurate to the credit bureaus.
Product: Mortgage

In XX/XX/XXXX we received a PAST DUE PROPERTY TAX NOTICE for tax year XX/XX/XXXX, due XX/XX/XXXX -- A Time Period For Which Ocwen Was In Fact Servicing Our Mortgage & Our Escrow Account. THE AMOUNT DUE AS SPECIFIED WAS {$190.00} We forwarded the notice to Ocwen. Ocwen made payment from our Escrow Account ; However, They OVER PAID! On XX/XX/XXXX, Ocwen deducted a " Property Tax Disbursement '' of {$240.00} On XX/XX/XXXX, Ocwen credited " Tax Credit '' of {$42.00} On XX/XX/XXXX, Ocwen deducted a " Property Tax Disbursement '' of {$24.00} Ultimately We Had {$240.00} Deducted From Our Escrow Account For A Tax Bill Of {$190.00}. When We Contacted Ocwen We Were Told The {$42.00} " over payment '' was not an over payment but was payment of Interest & Penalties -- - HOWEVER THE TOTAL AMOUNT DUE WAS {$190.00}. OCWEN DEDUCTED {$42.00} TOO MUCH FROM OUR ESCROW ACCOUNT! We Have Yet To See A Credit On Our Escrow For The " Over Payment '' And Have NOT Received A Refund From the County. I Have Provided/Attached A Copy Of The Tax Notice & A Copy Of An " Escrow Disbursements & Payments '' Statement As Provided By Ocwen -- The Two Document Show An Obvious Discrepancy in The Amount Ocwen Removed From Our Escrow Vs The Amount Due. It Also Shows That Ocwen Has Failed To Correct This Issue Dispite Having Had It Brought To Their Attention! OCWEN CHEATED US OUT OF {$42.00} BY DEDUCTING MORE FROM OUR ESCROW ACCOUNT THAN WAS DUE & NO REFUND OR CREDIT HAS BEEN PROVIDED!
Product: Credit reporting, credit repair services, or other personal consumer reports

On my ChexSystems report there is a listing for a XXXX XXXX Checking account. It shows discharged and unpaid. It was actually paid before it was discharged in full. I had XXXX from the Chairman 's office at XXXXXXXX XXXX investigate this. The account is paid in full and should be removed asap. I have put in several disputes with ChexSystems through their website and it has yet to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  account number XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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: Debt collection

On XX/XX/2020 I sent this company a cease and desist letter which they did reply on XX/XX/XXXX that they received it and will honor my request. This company has called me 29 times since then also leaving multiple voicemails on the same day. On XX/XX/XXXX XXXX and XXXX left two voicemails, on XX/XX/XXXX XXXX and XXXX left two voicemails, and on XX/XX/XXXX XXXX and XXXX both left messages as well. This is considered harassment especially after I sent them the seas and desist letter. His company is in violation of that and Ill like To make a formal complaint