23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

This is a follow up from a complaint against US Bank from XXXX XXXX, 2016. I went in to the local office on XXXX XXXX, 2016 to close the account. I spoke with the Vice President XXXX XXXX. XXXX XXXX had no idea how to close the account and spent 90 minutes on the phone with her corporate office to try and figure it out. She stated a check would be cut to me that day and mailed. Today is XXXX XXXX, 2016 and I have not received a check. She has not responded to an email on XXXX XXXX, 2016 or a phone call today.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report and found several items on there to be inaccurate Under XXXX XXXX XXXX XXXX ( b ) XXXX XXXX Code XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Automotive XXXX XXXXXXXX VIA DEALER Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX : XXXX. XXXX, XXXX + Bank XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank XXXX  XXXX VIA DEALER Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Automotive XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX + Automotive XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX + Automotive XXXX Inquiry : XXXX XXXX, XXXX + Bank XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Credit Union XXXX XXXX
Product: Credit reporting

I paid XXXX collection accounts that appeared on my credit report. XXXX of the accounts was promptly removed from my credit report the other XXXX-Trans Union is stating will remain for XXXX years. I am going through a mortgage process and this is preventing my approval. Even though its been paid, they are refusing to remove it from my report. I have letters of satisfaction stating paid, they told me to fax it over to them. I attempted to fax-and it was unable to go through. They kept telling me that the creditor has to give them APPROVAL to have the debt removed. I called both creditors, 1 ) the XXXX XXXX XXXX XXXX, they said it takes 60 days for the time the payment is received and when it will be removed. 2 ) Escallate, the removal had to be approved by the Vice President of the company. Either way, the debt has been paid, it should be removed.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX Balanced {$0.00} XXXX XXXX XXXX XXXX Balanced {$0.00}
Product: Credit reporting or other personal consumer reports

I have to refile this complaint to KIA FINANCE AMERICA because they are not taking actions even how hard I tried to communicate with them about the fraudulent account on my credit document that are genuinely agreeable, demonstrated legitimate, and a result of Identity theft also this complaint includes unverified and incorrect information the account. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I go by XXXX XXXX XXXX . My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit records that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint XXXX. As a consumer, I have the right for request or potentially constrain you to eliminate them when conceivable inside my government and state consumer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus.
Product: Vehicle loan or lease

From XX/XX/12 to XX/XX/12 I paid Exeter Finance {$13000.00} dollars which added to about {$5000.00} toward a {$14000.00} car financed at {$21000.00}. I believe that a breach of contract could be brought against Exeter finance, based on the fact that, I paid late XX/XX/XXXX, 60+ days late 8-10 times. Leading me to believe I would be given grace again but instead they brought the shackles. Short of hiring an expert to bring them to court Im not sure there is another choice. If Exeter Finance changes derogatory to paid and drop my debt to {$2000.00} and XXXX. XXXX would please do the same, the current owner of the debt, if the Tennessee Statutes of limitations for this kind of debt. Please consider this proposed request and thank you. I loved that car. Im just asking for a real hand shake in all this mess. Ive never sued anyone, rather not start now.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX MIDLAND CREDIT MANAGEMENT XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Subject : Debt Validation Request Pursuant to XXXX U.S.C. XXXX et seq. 
Dear MIDLAND CREDIT MANAGEMENT, I am responding to your [ letter/call ] regarding an alleged debt referenced as [ Account Number ]. This letter serves as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX. I do not acknowledge or accept this alleged debt, and I require the following verification before any further communication : XXXX. Proof of XXXX XXXX & XXXX XXXX XXXX XXXX. XXXX ( b ) and established case law such as XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), you are required to provide evidence of the legitimacy of this alleged debt. Specifically : A copy of the original signed contract or agreement establishing the debt. 
Documentation proving the chain of assignment from the original creditor to your company, including all assignments and purchase agreements per XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 
An itemized statement of the amount claimed, including principal, interest, fees, and charges, as required by XXXX  v. XXXX XXXX XXXX, P.C., XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 
XXXX. Proof of Permissible Purpose under FCRA If you have obtained my consumer report, please provide documentation demonstrating permissible purpose under XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ). Case law such as Pintos v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) requires that a collector must have a legally valid reason to access a consumers credit file. 
XXXX. Cease Collection Until Verification is Provided Until you provide proper validation, any further attempts to collect or report this alleged debt may constitute violations of XXXX XXXX. XXXX ( false or misleading representations ) and XXXX XXXX. XXXX ( unfair practices ). Additionally, under XXXX XXXX. XXXX ( c ), I request that you cease all further communication regarding this matter unless you provide the requested validation. 
XXXX. Potential Violations & Legal Action Failure to provide the requested information may result in legal action under XXXX XXXX. XXXX, which provides for damages for noncompliance. Courts have consistently ruled against debt collectors who fail to comply, as seen in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). 
Please note that this letter serves as formal notice that I dispute this alleged debt in its entirety. If you can not provide proper validation, you are required to remove any negative reporting related to this account from my credit reports per the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. 
I expect your response within XXXX  days of receipt of this letter. Failure to comply will be interpreted as a waiver of your claim. Please send all documentation to my address listed above. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I want to make it clear that this message is sent independently and not on behalf of any XXXX  party. Recently, I conducted a thorough examination of my credit report, and I was deeply concerned to find unverifiable, invalidated, inaccurate, and questionable entries. It appears that your agency, responsible for ensuring the accuracy of consumer reports, has not fulfilled its duty to ensure the complete accuracy of the information it reports. 

According to 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to implement reasonable procedures to ensure the highest level of accuracy regarding individuals ' information in the consumer reports they generate. 

As a consumer, I am entitled by law to a credit report that is XXXX  % accurate. I have been requesting that the credit reporting agencies review my disputes and update my reports accordingly. Please take the necessary steps to update and remove the accounts and items listed in the dispute letters attached. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries as these are suspicious to me : XXXX and XXXX
Product: Credit reporting or other personal consumer reports

As per, 15 USC 1681, the Fair Credit Reporting Act ( FCRA ), I have the right to privacy and the protection of my personal information and identifiers. I did not authorize XXXX, XXXX, Experian or any other credit reporting and information retaining agency to share my information without my authorized consent. My information has now been a part of a data breach due to the credit reporting agency 's gross negligence.
Product: Debt collection

XX/XX/XXXX I was contacted by a XXXX XXXX XXXX representative stating that an imminent court summons was coming with intent to sue, put a lien on my home and garnish my wages. This was regarding an HSBC Bank credit card I assumed was discharged in bankruptcy in XXXX. I was told by the representative that my attorney said the HSBC account had not been included in my bankruptcy and the debt had ballooned with interest and penalties. Oddly, this debt is and was not on my credit report. Not did I ever receive any written notification of the debt. With my work reputation being threatened, I foolishly made a settlement payment for {$1700.00} with the understanding from the representative that I would receive a certified letter detailing the debt and the HSBC account number. I intended to present this to my attorney for comparison. The letter never came. The threat to my reputation and home caused me undue stress and caused me to make a hasty decision that I would otherwise not make. Hindsight is of course 20/20 : I never received a validation notice ; the debt did not appear on my credit report so it is quite possibly time-barred ; the tactics used were classic coercion.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Phoenix Financial Service is inaccurate because I have never received any documentation for this bill. I have contacted the XXXX Tx XXXX XXXX, the original creditor, and am told there is no balance. I have contacted Phoenix Financial Service and was refused proper documentation to validate the debt. I am requesting this item be removed from my file to correct the information. {$1100.00}
Product: Credit card or prepaid card

On XX/XX/XXXX, my XXXX XXXX XXXX was charged {$6400.00} by XXXX XXXX without my knowledge or authorization. I did not supply XXXX XXXX with my credit card number, nor did I receive any goods or services from them. 
Dispute : Fraudulent Charge of {$6400.00} on my XXXX XXXX/XXXX XXXX XXXX XXXX by XXXX XXXX on XX/XX/XXXX. 
This card was only used at XXXX XXXX store and gas stations. There was never a transaction for an amount greater than {$1000.00}. This charge was not authorized by card holders and the card number XXXX, now changed to XXXX was never given to merchant. XXXX XXXX is the primary card holder and XXXX XXXX an authorized user, who has been removed from the account XX/XX/XXXX. 
XXXX XXXX now holds XXXX XXXX for {$6400.00} as well as XXXX XXXX for {$6400.00}. 

The charge was completely fraudulent
Product: Debt collection

XXXX has attempted to collect XXXX for an account that Ive explained was opened fraudently. Every six months to a year a different collection agency is assigned and the debt is reported as a collection. I filed a complaint XX/XX/21 and XX/XX/21 about this debt and each time it was removed from my credit report. The last collection company, XXXX that advised they would not pursue the debt sent me a XXXX Fraud letter and advised me to complete it and send to XXXX. I did so and heard nothing further until today when I received a credit alert that XXXX is back at it again. There has been no communication via telephone or USPS from the most recent collection agency I.C. Systems. Not only does this violate my rights as a consumer this is pure harassment. Ive done everything in my power to resolve this and XXXX continues. I have no knowledge of this account, I never made one payment to this account and could not tell you the phone number/s associated with this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a response to a dispute regarding a reinserted judgment, that I made under FCRA 611 ( a ) ( 1 ) regarding an erroneous item on my credit report involving a Chapter XXXX Bankruptcy. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. In a letter provided to me by your company it states the information has been verified by the company your obtained the information from. That company XXXX XXXX has sent me a letter ( Attached ) stating this item has now been removed. If they have done their due diligence in correcting this erroneous record how is it you all are stating it is verified?
Product: Student loan

Ive received a 90 day late notice from Heartland ESCI ( attached to complaint ) dated XX/XX/2023 indicating that Im 90 days past due on an account I do not recognize. I also received a 105 day notice on XX/XX/2023. I've never established a business relationship with Heartland ESCI nor with XXXX University. Ive never received any servicing communication from either of these entities until receiving this notice which feels deceptive. How can I be 90 days or 105 past due on a loan Ive never originated or received the benefit of the loan proceeds? 

Additionally, Im afraid that this is a scam. Im a former XXXX in the United States XXXX and thanks to my service have never had the need to take out a private student loan, certainly not one at 15 % interest. Ive never been enrolled in or taken courses at XXXX University. Ive not received any information related to this account prior to the 90 day late notice. I believe these are private student loans but Im unsure as Ive never approved the origination of a loan in my name at XXXX University. Im afraid to call any of the numbers included on these notices or online in case this is a phishing scam. The 90 day notice sent contains multiple unnamed XXXX XXXX XXXX and fails to provide any information as to what to do if I believe Ive been sent this notice in error. 

On XX/XX/23 I drafted a formal letter and sent this notice to XXXX XXXX XXXX ( listed on the reverse of the letter ) and XXXX XXXX  XXXX ( listed on the front of the letter ) asking for Heartland ECSI to provide me with more information related to this account but also asking for more information to ensure that Ive not been the victim of identity theft. These letters were sent certified mail on XX/XX/23. As of XX/XX/2023 I have not received any response. The notice containing two XXXX XXXX XXXX is confusing. Im confused as to how best to contact the firm without providing additional information about myself and potentially enabling further identity theft. 

I believe this letter may be a scam as the reverse of the letter, nor the website, have a place where consumers without established accounts may submit a formal complaint or request assistance. I dont know how to contact this firms security department with my allegation of potential identity theft. Im not sure how I can best inform and thus protect myself from potential monetary harm or non-monetary harm such as negative credit reporting on a loan Ive never agreed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax by certified mail three items ( mailed : XXXX, XX/XX/XXXX, & XX/XX/XXXX received : XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX respectfully ) requesting an investigation into some inquires that were in dispute. I received responses claiming they were factual within days of sending these letters. In the last letter I requested a deletion unless they could provide any documentation they collected from the investigation and was provided with nothing except the same " verified as factual '' response form letter I do not believe a thorough investigation was preformed because of the quickness of their response and the complete lack of any supporting evidence. Also, I sent similar letters to XXXX and XXXX disputing the same inquires on the same date ( XXXX ) and they have yet to respond but Equifax was able to respond thrice in the same amount of time. This leads me to believe they relied on an automated system to respond to my disputes without doing any due diligence and are in fact unable to provide any verification.
Product: Credit reporting or other personal consumer reports

1 ) XXXX 's website states I have 2 payments that are 30 and 60 days late within the last 9 months. I spoke with XXXX a few months ago to file my dispute but no information has been corrected on the website since then. The actual credit report shows that there are no late payments ever in the history. 

2 ) In addition, there are 2 credit cards listed as having been discharged through a XXXX  XXXX Bankruptcy ( Apple Card and XXXX. NO consumer debt was included in the bankruptcy filing because all consumer debt balances were at {$0.00} at the time of filing. The XXXX XXXX was business related, not consumer related. Written proof of the legal paperwork for the Bankruptcy filing was provided to both creditors in XX/XX/XXXX. ( see attached letters ). I sent written proof to both GS Bank and XXXX in XX/XX/XXXX. 

3 ) XXXX has yet to include my personal statement regarding the bankruptcy which contained a detailed explanation behind the XXXX  XXXX filing on the actual credit report. I provided all of this information to XXXX in XX/XX/XXXX.
Product: Checking or savings account

On r about XX/XX/year> my account was hacked an fraudulent charges were made on my account with navy federal after I put a XXXX check into the account
Product: Student loan

I received a billing statement on XX/XX/XXXX, at XXXX with updated loan details and due date of XXXX. I am enrolled in auto debit, but it wasn't clear why this new statement was generated. I spent an hour on the phone with a representative asking for clarification on why my payment amount was changed, if my loan repayment plan was changed ( I did not request that ), and if my auto debit amount that was already scheduled for XXXX would still be charged. I received two notices in early and XXXX that auto-debit payments would occur, but no notice that they had been canceled/adjusted. I am still unclear if the auto-debits scheduled for XXXX and XX/XX/XXXX are still scheduled. 

The rep was courteous and kept asking to put me on hold to " review my file. '' After an hour the called ended abruptly and sent me to a satisfaction survey. At the start of the call the representative asked if they could call me back if we were disconnected. They did not call me back. 

This is not my first time trying to get information from MOHELA. I feel badly for their customer service representatives, but they seem unable to provide answers to basic questions about changes to my loan payment plan.
Product: Credit card or prepaid card

I've been a victim of Identity Theft and sent the police report in to both the creditor and the credit bureaus. I'm writing this in hopes to have the creditors and the bureaus to protect the Consumer Laws FCRA. In which mine have been violated by continuing to report inaccurate information and information that was fraud. I'm asking for both companies to investigate and provide proof that I signed any agreement with my signature. I am writing to request the method of verification for dispute initiated on XX/XX/2022 and the subsequent response received on XX/XX/2022 enclosed with this letter. 

Re : { dispute_item_and_explanation } [ Manually modify this line when you're in the final step of the dispute wizard ( editor page ) ] Please send the following information used to verify the validity of 1. XXXX XX/XX/XXXX 2 .XX/XX/XXXX 3XXXX  XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA XXXX 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. 

I've also filed a complaint with the FTC as well.