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

Mailed letters on XX/XX/year> and XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. 

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further.
Product: Credit card or prepaid card

I contacted Barclays Bank at XXXX on XX/XX/2023 as a follow-up regarding a charge dispute. I received a response from staff member XXXX on XX/XX/2023 which was unclear. I called several times to Barclays and emailed them on XX/XX/2023, XX/XX/2023, and XX/XX/2023 with no response.
Product: Debt collection

Dear CFPB, As you know you are no stranger to the deceptive tactics of Midland Credit Management. On XX/XX/2021, we received a notice that our account was in their " Pre-Legal Department '' and we were at risk of being sued. 

Midland Credit Management has no right to this debt and can not prove that we owe this debt. In their letter, they failed to provide the proper disclosures and I'm disgusted how many consumers they are ripping off with this type of bullying. 

The only way to " stop the legal process '' to pay an amount we DO NOT owe. 

I demand Midland Credit to provide proof that I owe this debt and if they can not do so, they must stop contacting us. We're prepared to fight back with our attorney if they will not leave us alone. 

Sincerely, XXXX XXXX
Product: Mortgage

I experienced some financial difficulties after the death of my wife of nearly 40 years. I was diagnosed with XXXX XXXX and then layed off from my job shortly after. I regrettably was left with no choice but to file bankruptcy. Since that time, I have returned to the work force and have attempted to work with Wells Fargo to avoid foreclosure of my home. I am willing to assume XXXX % of the debt on terms that I can afford which are terms that I know Wells Fargo has offered to other borrowers. Wells Fargo refuses to work with me and unfortunately, I believe that they are discriminating against me due to my age. I have knowledge of a younger working man that was offered unbelievably generous modification terms from Wells Fargo but I am told that they are not willing to consider a modification of my loan unless I agree to terms that I can not afford. I believe that they want to take my home and are unwilling to work out any other solution. I have been in the home since 1989 and have an emotional attachment because my wife passed away in the house. I am trying to workout terms with Wells Fargo that are much more beneficial to them than they are to me but I was just told that they will not consider a modification under any terms and will only move to foreclose. This seems punitive and unjust. Please help me.
Product: Debt collection

I just pulled my credit report thru XXXX XXXX and notice there was a collection for {$300.00} to a collection agency by the name of Focus Receivables Management for a XXXX XXXX acct. I`ve never had a XXXX XXXX acct and surely dont owe this company any money. 
The acct # XXXX XXXX XXXX XXXX, WHATEVER THAT SUPPOSE TO BE. 
And furthermore I was never notice by this company of any delinquency..
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX-XX/XX/XXXX & XX/XX/XXXX-XX/XX/XXXX for my XXXX  XXXX XXXX/XXXX account Ive contacted all 3 credit bureaus for these late payments to be removed but still no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX & Account # XXXX I have had 3 loans with XXXX. One I closed out very early, due to problems. The othe 2 loans, I always paid a few years in advance. As the loans became due again, I would ask the teller to reapply principal to the unpaid balance. Each & overtime ic came to Bank to make payment. On several occasions I would have to wait for 10/15 minutes whiles the teller called that appropriate office for this request. Teller would write a receipt and I would been my way. Tellers were also informed that I had 2 accounts as well, so there was no confusion. I had multiple withdrawal slips at the XXXX XXXX, MI Branch for withdrawal slips, staff could go into account and always keep the account current. XXXX XXXX was the manager at the XXXX XXXX Branch at the time. Afterwards there was a lady name XXXX at the XXXX XXXX Branch. I now work with XXXX at the XXXX XXXX. Branch for a little more than a year, and have had no serious problems that could not be handled within the Branch. 4 Lates on one account and on late on the other has seriously crippled my scores. They should be running in the low XXXX XXXX and these 5 later showing for {$50.00} payments is something that is not my fault. The fault lies with the tellers not knowing what they are doing and telling the customer, that they could not complete the request at this time. I explain to XXXX what I need, and if it ca n't be done at the moment that I am there. He will inform me as to when the task will be completed. Also whether I need to come back into the Bank to sign a slip. The results I am looking for are that all later are removed from both accounts. I have had 5 years of perfect pay history with the other 3 Fiancial Institution I have dealt with on Installment loans for {$170000.00} and have paid them all off as this year. These are the last 2 that I have and will retire the XXXX debt on each account the beginning of next year. Please investigate and let me know the results at your earliest convience. Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts specified below continue to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/, 2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not verify these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$27.00} ; XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

XX/XX/2022 Amount : {$200.00} Action taken by me : Filing a dispute. 

XX/XX/2022 Amount : {$240.00} Action taken by me : Filing a dispute. 

I had two different fraudulent charges on my account that I filed with Chase Bank who ran a investigation and they falsely determined that the charges were indeed made by me supposedly and took the money back out of my account. 

They are going off merchant proof that I received the item when in fact the only proof that the merchant XXXX provided is a selfie of me holding my license which I did some research on that sites verification process and one rule they require to verify you is to hold a piece of paper in the selfie as well saying XXXX and the date on it as well which I know for a fact I never did and the proof they provided does not show me doing that yet Chase Bank still decided the merchant was in the right so I basically got my money stolen because they did not provide anything else to show I received anything at all no tracking numbers since its an online only business or anything of the sort. I did not make these transactions nor did I ever receive any sort of product from this merchant yet they have still taken my money and refuse to give it back since a picture is enough proof. 

According to XXXX terms and services you need to have a piece of paper showing the word XXXX and the date of said transaction which the proof they provided does not show that yet thats all the proof they had to provide to steal my money.
Product: Credit card or prepaid card

The issue is causing me significant distress and anxiety, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is falsely reporting a paid off account 's status as currently in collections/charged off/referred to collections when the actual current status is paid.

The current payment status for Closed and Paid account # XXXX was being erroneously reported as 120+ days late with XXXX and Equifax so I disputed it since the account was paid in 2016. In response, XXXX recently maliciously changed that 120+ late status on the paid account to currently a BAD DEBT IN COLLECTION/CHARGED OFF to get my much better credit score to immediately drop from the supposed " new delinquency '' when it should reported as PAID/SETTLED.

XXXX  is attempting to keep the false Current Payment Status on my credit reports as negative as possible while placing the actual current status that it was paid /settled collection way down on the report as a comment/note/remarks section instead of correcting the Current Payment Status to PAID/SETTLED FOR LESS THAN BALANCE. Accurate reporting is required under the Fair Credit Reporting Act 5 U.S.C. 1681 and that means a certain level of above board transparency about what the current status of the account is. No money is due or has been due for 2 1/2 years now and never will be again, yet they are pretending that the current status of the account field is for stating what had happened with the account instead of its actual current disposition. This is illegal.

Instead, XXXX continues to reporting the CURRENT PAYMENT STATUS as a CURRENT BAD DEBT REFERRED TO COLLECTION, IN COLLECTION/CHARGEOFF or as CURRENTLY 120+ DAYS LATE, which is inaccurate and in contravention of the requirements of the Fair Credit Reporting Act 5 U.S.C. 1681. The account is not currently a bad debt, in collections or referred to any agency because it was settled and paid. This error needs to be corrected immediately.

I am requesting that this item be either deleted or adjusted to accurately reflect that the CURRENT PAYMENT STATUS is PAID or SETTLED in order to adequately reflect my true credit history and final disposition on the affected XXXX and Equifax reports.

Both of our records ( mine and XXXX  's ) reflect that this account was PAID/SETTLED in 2016 and that the title of the vehicle was released to me free and clear. The vehicle was later sold with a clean title and I have records of the bill of sale.

***Documents Attached*** - Not for Posting Examples from credit reports of how XXXX is falsely reporting my paid account # XXXX  on my credit reports.

On XXXX, XXXX  changed the false report of it being currently 120+ days late to a Current Payment Status of " in collections/charge off. '' On Equifax, XXXX  reported the Current Status as a current Charge Off/Referred to Collections making it appear new
Product: Credit reporting or other personal consumer reports

After getting a notification, I found several inaccurate items. Under the 15 U.S. Code 1681e ( b ) reads " 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. '' Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My account was not working with Fed Loan Servicing so I reset my password and wrote it down and saved it to my phone. I paid off some if my loans and the payments have not been reflected on my credit report. I tried to log into my account to print out my documents and see if the payment updated, but my account will not log in again. 
Fedloan Servicing recently announced they are not renewing users ' accounts which is unfair to allow me access to my account and information. I did not and do not give them permission to send my information to the bureaus nor to another loan servicer since information can be transferred inaccurately and payments that I have paid may not be reflected.
Product: Student loan

I have student loans through Nelnet, which are currently under the SAVE plan and in forbearance requiring no payments or accrual of interest. However, Nelnet has applied unpaid interest to my loans for the time they were in forbearance for a total of {$940.00} and have expressed that they are knowingly doing this to all borrowers under SAVE despite the court rulings, until the Department of Education tells them otherwise.
Product: Credit card or prepaid card

The State of California chose to contract Money Network to process the Middle Class Tax Refund. I received a prepaid card from Money Network, without a security chip. I was only able to withdraw a limited amount as per their daily withdrawal limit ( {$400.00} ). When attempting to make a second withdrawal of the remaining balance, the card prompted an error message at the ATM. I called Money Network to inquire about the error message. I was told that funds were stolen from my account. 

I went through the process of initiating a dispute to recover the funds. I requested written confirmation of the event for my records. Money Network refused to provide written proof of the stolen funds. I was told that Money Network would not provide written communications about the event. I was told to wait for the dispute process to resolve and I would receive a check in the amount of the balance. Several weeks passed without any communication or check from Money Network. 

I took it upon myself to call Money Network for an update on the case. I was told that the dispute was successful and that funds were returned to the account balance. I asked when I would be receiving the check. The individual informed me that it would take between XXXX to XXXX business days. I asked when the dispute resolution decision was made. It turns out that the decision was made on XX/XX/2023 - three weeks ago and Money Network provided XXXX communication. I was told that a check would only be issued on the balance if requested by the account holder.

Money Network recklessly issued prepaid cards without the advertised safety feature of a chip, making Middle Class Tax Refund customer funds vulnerable to theft and fraud.

Money Network has been minimally if at all cooperative in communicating in the dispute process. Money Network stonewalls in respect to communication and in respect to making funds rightfully belonging to customers accessible to said customer. I was only issued a check when I took it upon myself to be proactive in calling in for a status update on the status of the dispute. Had I not done so, Money Network would have indefinitely held onto my funds. 

From the daily card withdrawal limit, to only offering fee free withdrawals at their unsafe partner ATMs, to issuing cards without safety features, Money Network has been irresponsible at every turn, looking out only for themselves, even creating the environment in which customer funds were made vulnerable to theft -- making customer funds ripe for the picking for any scammer to use a skimmer on the unsecure chipless Money Network cards at one of Money Network 's unsafe partner ATMs or on the dark web.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple accounts on my credit ( all three credit bureau 's ) report that do not belong to me, I have tried many times to get this corrected directly with the companies, but have had no luck doing so. I have the details that report to my credit and that is it, I have listed below. 

Accounts XXXX ) XXXX XXXX XXXX  Account number # XXXX opened XX/XX/XXXX Balance {$5500.00} XXXX ) XXXX  XXXX Account # XXXX Amount {$4300.00} Opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX  Account # XXXX Amount {$1300.00} opened XX/XX/XXXX I ALSO HAVE AN INCORRECT PAYMNT HISTORY TO THE ACCOUNT BELOW, THIS ACCOUNT IS MINE BUT I WAS NEVER LATE. I DID DO A PAYMNT DEFERRAL WHEN COVID FIRST HAPPENED XX/XX/XXXX AND I WAS ADVISED THAT THE PAYMNT WOULD NOT EFFECT MY CREDIT AND IT WOULD BE PUSHED BACK UNTIL THE END OF THE LOAN. COMPANY INFO BELOW AND ALL LATES THEY HAVE REPORTED AND THEY ARE ALL WRONG Account Name XXXX XXXX Account # XXXX Opened XX/XX/XXXX limit {$20000.00} Balance {$12000.00} They have reported my late on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX~This is all wrong and should not be reporting this way~
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section XXXX, any inquiry that can not be verified must be removed. 
Right of XXXX : Section XXXX grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section XXXX requires that reported data is accurate and authorized. 
XXXX XXXX Identity Theft : Section XXXX mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX reinforce that inquiries must meet the FCRA 's XXXX purposes requirements.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute accounts and inquiries listed on my consumer credit report ( referenced below ) that are the result of a data breach or fraud. Additionally, I demand verifiable proof, including my signature or electronic signature, to validate these actions. 
This letter is written on my behalf and not through a third party, so I urge you to review it carefully. I did not authorize these actions, which constitute a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B : Block of Information Resulting from Identity Theft [ 15 U.S.C. 1681c-2 ] Section 604 : Permissible Purposes of Consumer Reports [ 15 U.S.C. 1681b ] I have contacted the companies in question and confirmed that these actions were initiated without proper validation or original proof. The accounts and inquiries in question are inaccurate, as I did not authorize them. Therefore, they are either the result of a data breach or the illegal reporting of my consumer information by creditors or third-party data furnishers. 

I request that you take immediate action to investigate and remove the unauthorized entries from my credit report.
Product: Debt collection

I went to XXXX hospital around XX/XX/XXXX. After receiving treatment and leaving the hospital. I provided the hospital with my medical insurance information. After about a full year later I received a letter attempting to collect a debt from said emergency room visit. Attached to the letter was a voucher where you input your insurance information and send it to the hospital for manual processing. I completed the form and submitted it to the hospital ( on TWO separate occasions via USPS business reply mail ) About 12 months ago was the last time I sent a written business reply including my health insurance policy for the billing dept to bill my health insurance so they have had AMPLE time to process the request. Their department is now criminally negligent. 

I called the XXXX XXXX XXXX ( in two separate quarters of XXXX, Q2 & Q3 ) and provided them VERBALLY in addition to, in writing, my insurance information, TWICE, over the phone with a customer service representative who stated that I was on a recorded line and she was representing the credit department at XXXX XXXX XXXX. I was verbally informed, TWICE, that the insurance company would be billed for the visit to the Emergency room. 

After contacting my insurance company to identify if there was a clerical error in paying out to the hospital I was informed that the hospital NEVER FILED AN INSURANCE CLAIM with my carrier XXXX insurance. Nor did I authorize a company name XXXX XXXX XXXX to operate on my physical person. I authorized XXXX XXXX to provide me with emergency care after an incident and they have clearly failed me as they must be failing other patients in a similar fashion. 

After they attempted last month to file this collection account I filed a separate CFPB complaint with the original creditor that they attempted to fool into pursuing this debt. The previous debt collector immediately dropped the case. I also filed complaints at the state level, and I filed consumer complaints on XXXX and social media. The hospital has not reached out to me with a comment or to resolve the issue. I retain audio recordings of my conversations with customer service reps where I provided them my insurance information for the final time.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Inaccurate and Unverifiable Account Information Account XXXX To Whom It May Concern, I am writing to formally request the permanent deletion of the following account from my credit report due to inaccurate information, lack of verification, and non-compliance with consumer protection laws. 

Account Information Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX : {$XXXX} Credit Bureau XXXX XXXX Equifax XXXX and Violations 1. Inaccurate and Unverifiable Information The account status is reported as closed, but there is no clarity on whether the account has been resolved. The balance owed remains at {$XXXX}, but no payment history or past due amount is reported.

FCRA Section 1681i ( a ) ( 1 ) requires accurate and complete reporting, but the account fails to meet this standard, rendering it unverifiable. 
2. Dispute Status and Lack of Documentation The account is reported as disputed, with a reinvestigation in progress. However, no verification has been provided, and the account remains open despite this dispute. According to FCRA Section 1681i ( a ) ( 5 ), if an account is disputed and can not be verified, it must be deleted.

3. No Payment History or Past Due Amount No payment history or past due amount is reported. This missing information violates FCRA Section 1681e ( b ), which mandates the accurate reporting of payment history.