23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Eastern Account Systems reported a {$3000.00} debt to my credit report, showing that the debt was from XX/XX/XXXX. I reported this several times in XX/XX/XXXX and now have started reporting them again for falsely reporting the start of the debt date, which was in fact, XX/XX/XXXX. 

XX/XX/XXXX I submitted a claim through XXXX that the date was incorrect & XX/XX/XXXX I was notified by XXXX that the EAS is reporting that the information is correct. 

XX/XX/XXXX I opened a new dispute and provided the bill directly from the hospital to XXXX, showing that the debt was from XX/XX/XXXX and not XX/XX/XXXX. XX/XX/XXXX, I was notified that again EAS is stating that what they are reporting to XXXX is accurate. 

Eastern Account Systems is falsely reporting a medical visit start date and is falsely stating to the credit bureaus that what they are reporting is accurate. I also had insurance at the time of service so this may even be an attempt at double billing. 

I have/had no contract with this collection agency and do not owe Eastern Account Systems any money directly. Eastern Account Services has directly violated the HIPPA act of 1996. I never signed anything for this company to receive any medical information, the only information they are allowed to receive is date of service and amount due. They are still inaccurately reporting the date of service ( account opened ) as XX/XX/XXXX.

This debt being reported to the bureaus in XX/XX/XXXX caught me off guard as the date is so old.
Product: Debt collection

I have been going back and forth with this company to try to resolve this account since XXXX. I was told by this company this an account from 2007 with XXXX for an XXXX XXXX. I informed the Collection Company that I have never been a XXXX  carrier and the account can not be mine. They instructed me to contact XXXX. When I called XXXX, they had not information of mine in their system, to contact the collection company back. I have requested documentation regarding this debt for the 7 months and keep getting the run around. I have been told on numerous occasion that the documentation have been mailed and emailed, neither of which have I ever received anything. I can not even dispute this on my credit report because I have no documentation from the collection company to provide to XXXX. Their business practices are highly unethical and immoral. This company has hung up on me, blocked my calls, and been untrustworthy to say the very least.. Can someone please help me in getting this account resolved? I really do not know what to do, or who to turn to at this point. 

Here is the information on the Collection Company : Receivables Performance Management XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, WA XXXX Thank you for your time, XXXX XXXX
Product: Debt collection

Based on previous CFPB XXXX, Midwest Recovery systems stated to the CFPB that they would delete any entries and accounts pertaining to me as this is not my account and they were unable to verify in the legal time frame. Nor have I received any documentations.
Product: Checking or savings account

I reported to Citbank on XX/XX/XXXX fraudulent charges made with my debit card on the past months to my account XXXX .Also reported to the XXXX XXXX FL Police XXXX The account statements are issued on the last day of each month. I have filed several complaints on this platform, yet Citibank still hasn't provide a clear and legal response as why it hasn't reimbursed the dispute charges from the account statements on XXXX, XXXX and XX/XX/XXXX. 

These months are within the 60 day periods after the account statements protected by the EFTA for reimbursement. Citibank refuse to respond to our request for an explanation as to why it is not complying with the law.
Product: Credit reporting or other personal consumer reports

This inquiry is not related to me, nor do I have any connection with the mentioned creditor.
Product: Credit reporting or other personal consumer reports

I am requesting that you certify all the data on this account belongs to me. If you are unable to verify the accuracy of this information, I demand that you delete the entire account immediately.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely omitted : XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you regarding the XXXX XXXX # XXXX, # XXXX accounts. This is my third request. For the first and second time company did not provide me with the following : Explain and show me how they calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service ; Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
Product: Bank account or service

I 'm XXXX and disable, I asked XXXX bank to transfer money from my checking account on XXXX/XXXX/2016, city bank suppose to send me ATM card for my saving account ending on XXXX to checking account ending XXXX about {$1500.00}, city bank agent XXXX stated he can do it because he has no access to it so transferred to his supervisor that said I can not do it because you do n't have the ATM card yet I told her I have the pin and was verified and you have my saving account number usually Transfer are between accounts not ATM, I have few checks coming on XXXX/XXXX/2016, what is going on why I can not transfer money between my accounts this is fraud at best I think CFPB must protect consumers aginst banks. 
Thanks
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section XXXX part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

I am reaching out for the XXXX time to submit a complaint regarding the urgent need for removal of specific fraudulent items from my credit file. The details of the items requiring deletion are outlined in the attached report. As a victim of identity theft, I affirm that the charged transactions and opened accounts listed in my credit report were not authorized by me. It is imperative that these items be promptly removed to rectify the inaccuracies in my credit history. To substantiate my case, I have reported the identity theft to the Federal Trade Commission and have attached copies of the Identity Theft Report they provided. I want to emphasize that I have never granted access to my private and confidential records, especially not to the alleged information currently displayed on my credit report. In accordance with FCRA Section 605b, I kindly request that the Credit Bureaus expeditiously remove these inaccurate pieces of information from my credit report. Please take immediate action to delete the following items within the next 15 days, before my scheduled credit report update : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My card was used on XXXX website and XXXX as well. XXXX was token out of my account. I sent in proof to citizens of amazing emailing me saying that someone else had used my card. And their still not wanting to give me my money back.
Product: Credit reporting or other personal consumer reports

I filed several disputes and Experian denied to follow up with the investigations. I recently was notified that CFPB has filed a lawsuit against Experian. They alleged the company of accepting unreliable dispute results. This aligns well with situation. Experian hasnt attempted to remove, nor correct any information. Im requesting these derogatory be removed or corrected immediately as its affecting my chances of getting a house, car etc. Experian violates my rights as a consumer as well as federal laws
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC IS A COLLECTION AGENCY THAT IS REPORTING NEGATIVE INFORMATION ON MY CREDIT REPORT. THE INFORMATION THAT THEY ARE REPORTING IS IN CASE OF A DEBT THAT I SUPPOSEDLY OWE ON BEHALF OF XXXX. 

THE DEBT IN QUESTION HAS BEEN DISCHARGED BY THE ORIGINAL CREDITOR AND I HAVE RECEIVED A 1099C COPY B FROM THEM CONFIRMING THIS. 

LVNV FUNDING LLC IS ATTEMPTING TO COLLECT A DEBT THAT ONE, DOES NOT BELONG TO THEM AND TWO, THAT IS ALREADY DISCHARGED. THEY CAN'T COLLECT ON A CHARGED-OFF OR DISCHAGRED ACCOUNT. AFTER ALL, IT IS CONSIDERED TAXABLE INCOME. 

I HAVE BEEN GOING BACK AND FORTH WITH THEM FOR MONTHS AND HAVE YET TO GET THE INFORMATION REMOVED FROM MY CREDIT REPORT. 

IT IS THE CFPB 'S RESPONSIBILITY TO HOLD THE COMPANY ACCOUNTABLE AND TO REFRAIN FROM ALLOWING THEM TO REPORT INCORRECT INFORMATION ON MY CREDIT REPORT.
Product: Checking or savings account

On XX/XX/year> XXXX unauthorized charges were made by a minor totaling over {$200.00} dollars on my XXXX account. 

1. ) {$53.00} 2. ) {$53.00} 3. ) {$100.00} I had tried numerous times to contact XXXX for a refund and numerous times was let down and was told to contact my bank. So I reached out to SoFi to submit a dispute but they make the dispute process difficult and long. This is over {$200.00} worth of funds and has caused me to overdraft my account. I need the money for the funds I did not approve of ASAP
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 XXXX Account Number : XXXX Account Name : ONEMAIN Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : FXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 XXXX 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: Debt collection

I started to receive live calls from people identifying themselves as CBE Collections. The stated my first and second surname and I confirmed that was part of my name ; however, I only go by my middle name and first surname. They asked if I lived at a specific address and if I ever had a XXXX account. I confirmed that neither applied to me and they had the wrong person. On a second call, I stated the same, directed them not to call and how it is that they obtained my landline given my number is not published. They said they would not call again. Now I am receiving robocalls instead, stating it is CBE Collections and that I need to call them back. 

As stated, they are attempting to collect a debt from someone who happens to have a name that it part of my name. I have been honest with them and directly instructed them not to call me again. 

The following number appeared on my called ID with a live caller XXXX and the robocalls are coming from XXXX.
Product: Credit card or prepaid card

XX/XX/2023, I am being a late fee even though I made a payment on Capital One 's phone payment system even speaking with someone. I was told that the payment would not post until XX/XX/2023 making it late even though I paid it on XX/XX/2023 when it was not late. I was told payments made after XXXX do not process until the next day.
Product: Credit reporting or other personal consumer reports

Unreleased title after promising to turn over title with settlement agreement. Its been over 30 days. 35 days to be exact Incorrect credit reporting after filing dispute, company incorrectly reported the balance after receiving my claim to the credit bureau Contacted XXXXXXXX XXXXXX/XX/year> and they confirmed they have not received a request to release the title and are not behind on processing. These request fake no longer than 10 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I submitted a request to XXXX and Experian over two months ago, asking them to investigate errors on our credit report. They are supposed to respond within 30 days, but they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I checked my credit report and sent a Validation letter to IQ Data International debt collection agency. I also sent to each credit reporting bureau ( XXXX, XXXX, and XXXX  ) a dispute. IQ Data International sent me in XX/XX/XXXX a copy of lease from XXXX at XXXX XXXX, as their proof of validation. However XXXX at XXXX XXXX  no longer exists. In fact they were sold as of XX/XX/XXXX under document number # XXXX with the California  XXXX County Assesors office. XXXX  XXXX is no longer than owner. IQ Data International debt   collection is reporting that I owe XXXX  XXXX, when in fact I have never had a contract nor lease with XXXX  XXXX  nor owners. Once XXXX XXXX sold the building and XXXX at XXXX stopped existing, all contracts with said owners were void. Unless a new lease with new owner was to be signed. I did not sign a new lease with XXXX  XXXX, nor did I request or agree to be grandfathered into a contract. XXXX   XXXX  has no records of me. I have never had a contract with signature with this company. IQ International Data never gave proper validation to report XXXX XXXX  on my credit report. The lease was with XXXX at XXXX owned and that business was sold and closed, therefore any debt owed to that closed and sold company is void. IQ Data International is illegally reporting on my credit reports for a company that they did not properly validate and after producing improper forms, they have still not taken the report down after 2 full years.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, addresses and name. Additionally, I did not authorize these companies to run my credit.
Product: Student loan

Hello, I am writing to you because I am extremely dissatisfied with Navient. Everyone I overpay, my percentage goes up. It is now up to TEN percent. Close to a 2 % increase just within the last year. 
I have been making payments and trying to catch up, as if 8.25 % wasn't bad enough. These are student loans, not credit cards. Double difficult territory should be forbidden. Some companies don't even pass 7 %. I wish I had more knowledge when I applied out of highschool a decade ago. 
I called them about a year ago, stating that I have been a long time customer and I would like to have my percentage lowered. They said that there is nothing I could do and that rates were set by the lender ( which is you, hello? ). 
Frustrated, I started to overpay to try to dwindle the loan down a bit. I have had economic hardship for the last several years before I called them due to raising a son alone and not working full-time to be there for him more. Finances are important but I won't slave away just to pay some company faster. 
I have done what I can. I have received offers for refinancing but it's been difficult trying to swap with my employment being scattered. 

I would like to sue Navient for increasing my percentage, not recording my last payment until way later ( have an email about this ), poor communication, a messy and hard-to-follow website, ride customer service representative, lack of compassion for the graduate, losing my cosigner release application, and for not listening to my needs. 
At the very least, I would like a fixed percentage of 7 % ( refinance ). 
Please help!