23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a phone call back in XXXX from First Credit Services about a debt to the XXXX XXXX XXXX XXXX XXXX. I had requested a letter stating the amount owed, reason for collection, and what my options are. To date, I have yet to receive this letter. Today ( XXXX/XXXX/2015 ) I received a phone call from First Credit Services attempting to collect this debt. I told the individual on the other line that I would not pay anything until I receive the letter stating what I asked in a previous phone conversation with the company. The individual immediately hung up the line.
Product: Debt collection

I received a bill from a new bill collector that I have been paying on thru the " original '' bill collector for the last several years. I have emailed them and told them that I was paying those bills thru PRC, and requested to know just what the deal was with this bill that I have been paying on for several years. I have been paying {$25.00} a month to the " original '' bill collector. I did not receive any acknowledgement of my e-mail, so I am going to send them a letter thru certified mail, detailing what I know about this situation. They are threatening me by what is said on the bill that in 30 days they will take out a judgement. Since they have not acknowledged my email, I am fearful, that I am going to be railroaded into a judgement even though I am paying on these bills. I do not think it is fair that my credit is penalized twice. If I am wrong, I have asked them to let me know just what the situation is. I have informed them through my letter that I am filing a complaint.
Product: Credit reporting or other personal consumer reports

I recently reviewed the copy of my credit reports and I noticed some inaccurate information that are not mine. 

I have listed the inaccurate in PDF and sent it to the Bureaus. Please see the attached file on this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided supporting documents and request that you investigate the matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore XXXX requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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

XXXX XXXX Is showing incorrect balance of {$7800.00} ... .. the correct balance is {$7000.00}. 
Also, it is reporting as late. This account is current and is not late.
Product: Credit reporting or other personal consumer reports

Subject : Request for Update of Personal Information Dear CFPB Team, I am writing to address an issue I encountered while reviewing my credit report from Experian. I noticed that some of the personal information listed is incorrect. To ensure the accuracy of my credit report, I kindly request assistance in updating my records with the correct information. 

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

Cornerstone credit is attempting to collect an incorrect amount on a medical bill from XXXX XXXXXXXX XXXX associated with XXXX XXXX. XXXX XXXX was made aware of the billing error, it wasnt fixed as they stated it would be and instead sent the bill to Cornerstone. Cornerstone has been made aware of the error. Our health insurance company states that XXXX XXXXXXXX XXXX needs to re-submit a corrected bill. Neither Cornerstone nor XXXX are making the corrections and instead we keep getting repeated phone called from Cornerstone continuing to collect an incorrect amount.
Product: Debt collection

On XXXX XXXX, I attempted to get a new Drivers License from the Oregon DMV, as mine was damaged. The clerk informed me there was a hold from North Dakota DMV, stating my license was suspended in North Dakota. I called ND DMV and was told I had a judgement against me for {$1600.00} from XXXX, 2001. I paid the DMV reinstatement fee of {$50.00} and was told I needed to contact the Law Firm of Severin , Ringsak & Morrow at XXXX, as they were the only people that could remove the hold. I called the Law frim at XXXXXXXX XXXX  PST on XXXX XXXX, and was told attorney XXXX XXXX XXXX handles this and would call me back. She called back on XX/XX/XXXX at XXXX PST and took my name, birthdate, and ND license number and told be she would research and call me back. At XXXX XXXX PST on XX/XX/XXXX, she called back and informed me she would not remove the hold on my Drivers License unless I aped the {$1600.00}. I informed her there is a 10 year statute of limitations, with a maximum of 1 10 year extension, for a total of 20 years. This was over 21 years ago. She informed me again they would not remove it without me paying the collection. The judgment on the North Dakota State Court database shows the judgement as expired. The law firm is attempting to collect on an expired judgement by holding my drivers license.
Product: Mortgage

I have been trying to reach Ally bank in multiple forms calling, emails and physical mail but I have get to get a response sent back to be other than an automated email that they received my email. I have requested multiple times for a response and have gotten nothing in return.
Product: Debt collection

I was called yesterday by the number ( XXXX ) XXXX debt collectors. They threatened to sue me, and garnish my wages if I do n't pay. This debt is in my maiden name. I never provided my husbands info. The brought up my husband and saying he had an income. I know I have a medical bill balance. I was very sick for a while and could n't work.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RECENTLY, I DID AN INVESTAGTION ON MY CREDIT REPORT AND FOUND SEVERAL ITEMS ON THERE TO BE INACURATE. 
UNDER 15 U.S. CODE 1681 E ( B ) ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT. IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE THE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES.

15 U.S. CODE 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) IN GENERAL IF, AFTER ANY REINVESTGATION 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 APPRORIATE. 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. PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT, IMMEDIATELY FROM XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Charge-off accounts extending statue of limitations and in violation of FCRA section 623 15 USC 1681S-2 responsibilities of furnishers of information. XXXXXXXX XXXX XXXXXXXX accounts payment history XXXX, XXXX, XXXX accounts XXXX, XXXX XXXX  account XXXX. Duplicate accounts repeated across all three credit reporting agencies and XXXX has inquiries that are in violation of 15 USC 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block, lnc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, ther dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

There is a Barclays account ending in XXXX that is fraudulently reporting on my credit report. I reached out to the company and they have sent back information with XXXX different addresses. This only proves my point that the account is fraudulent as I dont live in Florida or California , and they have statements and account setup there. This account needs to be removed from my reporting within 7 business days or I will take legal action due to the harm of my reputation that this report is causing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet back in XXXX with my drivers license and social security card in it. I recently tried to apply for a mortgage and theres a lot of unauthorized inquiries and even an account that I did not open. Please delete the following inquiries that I did not authorize. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im just getting ahold of my credit report and notice fraudulent report thats affecting my credit score badly please help me
Product: Mortgage

I am writing to express my extreme dissatisfaction with RoundPoint Mortgage 's handling of my insurance claim for hail damage to my property. The damage occurred on XX/XX/year>, and since then, I have encountered significant delays, poor communication, and a general lack of professionalism. 

Key Issues : Excessive Processing Time : Despite promptly submitting all required documentation, including endorsed insurance checks, RoundPoint has taken an inordinate amount of time to process each check. This has caused significant delays in the repair process. 
Inconsistent and Conflicting Information : I have been provided with contradictory information regarding the status of my claim on multiple occasions. This has led to confusion, frustration, and additional stress. 
Lack of Communication and Accountability : Despite numerous attempts to contact RoundPoint 's customer service department, I have been met with long wait times, dismissive attitudes, and a failure to resolve my issues. 
Unnecessary Delays : The most recent delay stems from the repeated requests for an adjuster 's worksheet, which I have provided multiple times. This unnecessary delay has further hindered the progress of my claim. 
I am deeply disappointed with RoundPoint Mortgage 's handling of this matter. I urge the Better Business Bureau to investigate this complaint and take appropriate action to hold RoundPoint accountable for their poor service. I am seeking a swift resolution to this issue, including the immediate release of my final insurance check.
Product: Credit card

My Capital One Credit card was being phased out ( XXXX ) and they put me into another one, XXXX  ( XXXX ) and trying to pay my bill it tried to force me to validate the card. They say they have sent me a new XXXX card. Unknownst to me my last payment on my Capital One XXXX card validated the XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to World Finance in reference to accounts number ending in XXXX and XXXX on XXXX  credit file and acct number XXXX and XXXX on the XXXX  file which are the same accounts with World Finance under contract number XXXX. Per the agent is spoke with at World Finance stated the original office was closed and all the account were transferred to the existing office, who in turn reported the already settled account to my credit file. Under the provisions of the 1977 Fair Credit Reporting Act, I hereby request that your agency fix my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an alleged bankruptcy that Equifax continues to report as verified with information that they supposedly been supplied by XXXX XXXX. I have provided them with supporting documentation showing that the information is incorrect. Even after supplying the supporting documentation, they continue to respond with verified and correct. I have spoken with representatives for XXXX XXXX and have been informed that at no time did they validate or verify the item in question. However, Equifax continues to report the item on my Equifax consumer credit report.
Product: Credit reporting or other personal consumer reports

After requesting this account to be investigated for a fourth time its still inaccurate and incomplete. I am no longer requesting another investigation demanding a DELETION immediately. Adatonally, the FCRA mandates that credit reporting agencies maintain accurate '' information ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge off each month creates an inaccurate and misteading credit repon, which negatively impacts my credit score Moreover, the statute of limitations for reporting a charge off is seven years from the date of the first delinquency leading to the charge off ( 15 U.S.C. 1681c ( XXXX ) ). Reporting this Charge off multiple times does not extend this statute and is therefore improper. Fair Credit Reporting Act, specifically under 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2. This demand for deletion stems from your failure to accurately report my consumer credit information following a previous notice of these discrepancies. Please be aware that automated responses or e-OSCAR verifications are unacceptable for addressing this matter. Given the clear and repeated violations of the FCRA, I am not requesting a reinvestigation but rather the immediate deletion of this account from my credit file. I expect you to comply with this request swiftly and to confirm in writing the deletion of these entries. I appreciate your immediate attention to this urgent matter and expect a response within in 15-days. I request that you promptly DELETE this account IMMEDIATELY!
Product: Credit card or prepaid card

Dispute charges for span of couple week resulted more than {$4000.00} was put back to account, stated that only original chip card was used while I and my wife still have possession of those cards and we did not make purchases. 
The company fraud department refused to help saying there is impossible to have counterfeit chip cards meaning we are the one doing purchases.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I Sent a Request for All Inaccurate information to be update and have yet to receive a response or course of action from all three Credit Bureaus. I also sent another request for a response and have yet to receive and information regarding my dispute. My next course of action it reaching out to the CFPB to help me resolve the issue with XXXX, XXXX and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Account Name : XXXX XXXX Account # XXXX Account # XXXX and Account # XXXX is reflecting inaccurate information I have disputed the following account with the Creditor as well as with TRANSUNION, XXXX, and XXXX and the account is still being reflected on my credit report with inaccurate Dates, Payment History, and Balances. This is in clear violation of my RIGHTS and FCRA ACT and LAW. I would like for this account to be Removed and Deleted from my Credit Report and Credit File. I have not given written consent to have this account on my credit report and would like for it to be DELETED from my credit file and report immediately 15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable Information
Product: Credit card

In May of 2024, I purchased a XXXX XXXX XXXX XXXX XXXX from XXXX a company based out of XXXX, XXXX XXXX. 

On XX/XX/XXXX, I returned the device and sought a refund. The device was returned within the return period and I have proof of receipt. The vendor did not return the purchase money, so I filed a dispute with Ally Bank. Ally Bank opened a dispute and determined I was not entitled to the money. 

I continued to follow up with XXXX. I started to believe they were not a legitimate company, and were fraudulently taking peoples money. I filed a second dispute with Ally Bank. Ally Bank closed my card and claims they never received the funds from XXXX. 

XXXX began to assist me in XXXX of 2024 with the issue. They indicated on XX/XX/XXXX of 2024, the money was returned to Ally Bank via a charge back.

Ally Bank has refused to investigate any further, to contact the intermediary payment processor, XXXX, nor to do any further investigation to facilitate the return of my funds.

The vendor has provided me evidence they returned the funds on XXXX of 2024. Ally Bank refuses to provide records or discuss the matter further. They will not contact the vendor or the intermediary vendor.

In the past a bank manager would simply be able to contact someone in the back office and help. The employees and managers at Ally Bank appear to be only willing to read from a script.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding these fraudulent accounts, and following this submission, XXXX and XXXX have removed these accounts from their records. I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX