23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by RSI on XX/XX/year> by phone several times my mother was even called. I didnt know who the number calling me was at first until my mother sent me a voicemail with some stating to call them back it was important. The number was a XXXX number and I thought it was from my doctors office.it was not I spoke with XXXX she stated the companys name she proceeded to tell me I had a debt from XXXX XXXX XXXX for XXXX. I automatically told her I didnt owe the debt it was false and my insurance company has a legal open grievance case with the Dr office regarding them not sending in my medical documentation. The Dr office didnt do what was requested and now the dr office is trying to send me a bill for the full amount under GA law they are not obligated to do so. I dont owe this debt the Dr office refused to do what was requested and made their own bill without following the insurance companys contract that was signed. XXXX then proceeded to tell me I can pay on the debt I told her I didnt owe anything and asked why am I getting called. I havent received any notification via mail to dispute this debt at all. She then said XXXX XXXX XXXX told her that there was a 3 way call between me the Dr office and my insurance and my insurance company told me Im liable for the bill. I stated that is false information my insurance company never stated that and thats why there is a legal grievance case out. XXXX stated oh so you did have a phone call I said yes but what your stating didnt happen and I have confirmation of the phone call. She stated since you had the phone call you are admitting to debt I stated that I didnt admit to debt and she cant put words in my mouth because I never stated I owed the debt and I have proof that I dont owe anything. XXXX then stated that the debt was mine and I need to pay now. I stated again I dont owe any debt, XXXX XXXX hung the phone up in my face. I didnt receive any written notification regarding this debt or any written instructions on how to dispute. Only thing I received was phone calls demanding pay and stating I owe a debt and that the debt is mine to pay. No one listened to my side of the story or sent me anything on how to dispute this debt I dont owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a dispute letter about all the inaccurate addresses they are reporting on me. They did not delete the inaccurate addresses from my account. 

The following addresses are inaccurate and I want them removed from my account because I do not want to be at risk for identity theft : - 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 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 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Dept Of EducationXXXXXXXX  ( All Accounts ) 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: Credit reporting, credit repair services, or other personal consumer reports

This account was recently owned by another company and i had it removed from my report, so the original creditor had to sell it to another company and the have now also added it to my report without my permission. This was my original complaint to the last company that responded and deleted : YOUR COMPLAINT Submitted to the CFPB on XX/XX/2022 In accordance with the Fair Credit Reporting act XXXX XXXX, ( Original creditor XXXX XXXX  ) Account # XXXX, 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. 

And this is the last companies response : Company 's Response Company responded on XX/XX/2022 Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Collections Collection XXXX XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you XXXX call XXXX ( XXXX ) or you may visit XXXX With XXXX, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. 

So therfore : In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX Original creditor : XXXX XXXX XXXX, 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 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 or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX  XXXX XXXX  # XXXX XX/XX/year> -- {$600.00} XXXX XXXX XXXX # XXXX XX/XX/year> -- {$120.00} XXXX XXXX XXXX # XXXX XX/XX/year> -- {$18000.00} XXXX  # XXXX XX/XX/year> -- {$530.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>
Product: Debt collection

As of XX/XX/XXXX, my various credit reports are showing that I owe an amount of {$120.00} to a debt collection company called the CBE Group. Given the amount and time frame, it's fair to assume that the original debtor is XXXX Communications. They're claiming that I have not returned my router and modem equipment. 

The equipment in question was returned to XXXX in XXXX  of XXXX after my first internet contract expired. XXXX is unable to keep proper records of the equipment they receive, so they sent me a collections amount for {$120.00} in XXXX of XXXX claiming that I never returned the equipment. I, then, contacted the debt collection agency and the CFPB to get the issue resolved. Long story short, both XXXX and the debt collection company couldn't adaquetely prove that the equipment wasn't returned, so the debt was removed from my credit report. 

Fast forward a few months, I was forced to re-sign with XXXX in late summer of XXXX due to limited options at my apartment complex. With this second contract, I decided to use my own equipment to avoid a potential second derogatory mark on my credit. Lo and behold, they've decided to charge me AGAIN for the exact same equipment after my second contract ended in XXXX of XXXX. 

XXXX will not provide me an explanation as I've tried to dispute the charge directly with them. My theory is that the salesperson, who signed me up for my second contract, must've wrongfully assumed I'd be using the equipment from my first contract ( even though it had already been returned ) and marked my account as such.
Product: Credit reporting or other personal consumer reports

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

I told/informed Experian, XXXX, and XXXX to reinvestigate and or remove these accounts : FRAUDULENT ACTIVE/OPEN ACCOUNTS : XXXX XXXX XXXX Account # : XXXX * Opened Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX * Account # : XXXX * Opened Date : XXXX, XXXX, XXXX XXXX. DEPT OF EDUCATIONXXXX * Account # : XXXX * Date Opened : XXXX, XXXX, XXXX XXXX XXXX XXXX  Account # : XXXX * Date Opened : XXXX, XXXX, XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account # : XXXX * Date Opened : XXXX, XXXX XXXX XXXX. XXXXXXXX XXXX XXXX EVERYTHING DONE ON NEW FTC * Account # : XXXX * Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX * Account Balance : {$1300.00} XXXX XXXX XXXX  * Account # : XXXX * Date Opened : XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX * Account # : XXXX * Opened Date : XXXX, XXXX XXXX FRAUDULENT HARD INQUIRIES XXXX. XXXX * Opened Date : XXXX, XXXX XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found some errors that are impacting my credit standing, governed by 15 USC 16c-2. The hard inquiries were not authorized by me.
Product: Credit reporting or other personal consumer reports

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( XXXX  ). 

"
Product: Checking or savings account

I had pledge loan with Navy Federal in which the entire amount of the loan was deposited upfront. Navy Federal closed my account and continued charging me late fees and overdraft fees when they knowingly had the payoff amount in my account but did not credit that amount to my loan. Instead they charged me over {$300.00} in fees and are CONTINUING to charge me and I now owe {$460.00} and counting when these fees could have been avoided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi- I am trying to get assistance any way possible. It's life or death for me and my kids. I am only asking for late payments that occurred in between deferments be removed... only because it's listing XXXX accounts separately as 90 days late. My loans are currently closed and consolidated but I am not able to get some extra assistance due to the late in between deferrals. 

I have spoken to customer service, sent letters and I am very desperate for assistance. I was told there are laws in place for it is solely at the lenders discretion. I have XXXX days from today but I have been trying since the pandemic as I was seriously affected by XXXX. Please email me or call please XXXX of XXXX. I am sending my message to everyone in your company- your credit reporting department has not been able to assist in any way. Please Please. 

I NEED HELP.. LIFE OF DEATH FOR MY KIDS AND I STARTED REACHING OUT SINCE LAST YEAR AND NOW I HAVE XXXX DAYS - I ONLY NEED THE LATE PAYMENTS REMOVE FOR XXXX INDIVIDUAL ACCOUNTS IN BETWEEN DEFERMENT.. PLEASE PLEASE Please Please I just need the 90 days late removed for XXXX individual loans. This account is now closed and consolidated - at this time the I was deferred before and after. During this late period, my address was not correct in Navient 's system XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I was referred to you by XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account.
Product: Credit card or prepaid card

I ordered a card XX/XX/2020 never received it ordered another card XX/XX/2020 they claim it was never sent out. Ordered another card XX/XX/2020 expedited forced to pay XXXX $ fee card and was supposed to receive tracking number never did. Customer service is rude and they lie to me all the time and even hang up in my face. I cannnot access any of my funds and have been told several times all I Do is wait.
Product: Mortgage

Chase is not servicing our loan according to FHA guidelines. They initiated foreclosure twice in 2018 during a federally-declared disaster that affected both our home and workplace. They have never had or attempted a face-to -face interview in pre-foreclosure as FHA requires and in July of this year refused to consider us for loan assistance, saying they did not receive the "initial" request in time. We filled out the rma sent to us via postal mail by XXXX  XXXX, Executive office, along with a dr's letter showing end-stage XXXX   XXXX. The rma sent by chase and this letter were faxed and sent via secure message on chase.com. We have an email saying it was received and being reviewed...and then XXXX XXXX we got a letter saying our initial request was not sent it time and we would not be considered for loan assistance. But that they were looking into postponing the sale. They said they were opening a "case" to look into it, but gave me no case number and finally after numerous phone calls, said there was no case filed and no one would be looking into it. The foreclosure is now in two days, and although the executive office has opened a case, we are being offered no other assistance or considered for any loan assistance. We were told there is a new "verbal interview"  requirement but that Chase doesnt tell you that...you have to call to ask for the "re-application" department. I can find no record of this policy or department. But the loan escalation team said it is a requirement before they will act upon any loan assistance application? Chase is not servicing our loan according to FHA requirements, nor are they following the court orders the federal government cautioned and fined them for repeatedly. They are doing irreparable harm by refusing to consider this loan for assistance, and violating the terms of this FHA loan.
Product: Student loan

Navient will not let me pay off my loan. I have plenty of money in my account and they keep reversing my payments. As you can see below this has been happening for a while. I have continually emailed them and they will not fix this. Please let me know what to do. 

Sincerely, XXXX XXXX XXXX XX/XX/2020 Payment Reversal {$5300.00} {$0.00} {$0.00} {$5300.00} XX/XX/2020 Payment - {$5300.00} {$0.00} {$0.00} - {$5300.00} XX/XX/2020 Payment Reversal {$6500.00} {$0.00} {$0.00} {$6500.00} XX/XX/2020 Payment - {$6500.00} {$0.00} {$0.00} - {$6500.00} XX/XX/2020 Payment Reversal {$6900.00} {$0.00} {$0.00} {$6900.00} XX/XX/2020 Payment - {$6900.00} {$0.00} {$0.00} - {$6900.00} XX/XX/2020 Payment Reversal {$13000.00} {$0.00} {$0.00} {$13000.00} XX/XX/2020 Payment - {$13000.00} {$0.00} {$0.00} - {$13000.00} XX/XX/2020 Payment - {$27000.00} {$0.00} {$0.00} - {$27000.00} XX/XX/2020 Payment Reversal {$15000.00} {$0.00} {$0.00} {$15000.00} XX/XX/2020 Payment - {$15000.00} {$0.00} {$0.00} - {$15000.00} XX/XX/2020 Payment Reversal {$11000.00} {$0.00} {$0.00} {$11000.00} XX/XX/2020 Payment - {$11000.00} {$0.00} {$0.00} - {$11000.00} XX/XX/2020 Payment Reversal {$20000.00} {$0.00} {$0.00} {$20000.00} XX/XX/2020 Payment - {$20000.00} {$0.00} {$0.00} - {$20000.00} XX/XX/2020 Payment Reversal {$47000.00} {$0.00} {$0.00} {$47000.00} XX/XX/2020 Payment - {$47000.00} {$0.00} {$0.00} - {$47000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a federally protected consumer. my name is XXXX XXXX relating to discover account XXXX experian has failed to fufill their duty in blocking information PURSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH results FROM IDENTITY THEFT attached is a copy of said identity theft report information by XXXX had no consent to furnish any information to any consumer reporting agencies which is identity theft attached is a copy of said identity theft report filed with the federal trade comssion and proof of identity This information is not relating to any transaction by the consumer.
Product: Money transfer, virtual currency, or money service

XXXX is a virtual currency exchange that at this point in time, XX/XX/XXXX, has been down 40 hours. There is no way to contact them either by phone number or other way. My entire investment, $ 9k-12k depending on daily market swings, is currently unavailable. They are claiming thst they 're doing maintenance but this is highly suspect. No true company takes their trading platform out for 40 hours.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXXXXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX