23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. Disputed item on credit report. They sent me a letter dated XX/XX/2018 which stated account would be removed from my credit report. That did not happen. Instead they listed a different amount and re-aged it. I believe this is illegal.
Product: Mortgage

In XX/XX/XXXX, my husband was determined at XXXX XXXX XXXX XXXX XXXX  XXXX effective XX/XX/XXXX. We submitted required documents to our County tax office and were determined to qualify for 100 % personal and real estate property tax relief. All documentation was submitted to Caliber Mortgage company in XXXX, and then again in XXXX after it was reportedly no received. Finally after no relief, we requested a current escrow analysis, ( the open ticket request for resolve had been closed ). We received a XX/XX/XXXX escrow analysis still purporting that we have a responsibility to our local county taxes, when in fact we do not. We continue to pay in excess of what our mortgage amount should be each month, and for several months now, Caliber has refused to correct the accounting. Caliber was provided this information originally on XX/XX/XXXX, again on XX/XX/XXXX, a formal request for escrow analysis was ticketed on XX/XX/XXXX XXXX another ticket was created on XX/XX/XXXX requesting resolve. An email was sent to area managers, requesting resolve on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX the above company name showed up on my credit report. I don not Have any Account with such company.
Product: Checking or savings account

While I was questioning the hold put on my account, M & T Bank, XXXX New York closed my account. They were, at my request researching a missing deposit in the amount of {$4700.00}. They just dropped anything they were doing and closed my account, the notice that they were closing said it would close on XX/XX/15 which would allow me time to receive my social security check which is deposited into the account, instead they closed it on XXXX. Lost to me is my social security check and a deposit of {$4700.00}. I can not afford an attorney to help me re-open this matter. They just said the account was closed, no explanation. Can you help me? 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX Balance Owed : {$340.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 Section 602 A states the right to privacy.

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. 




Account # XXXX Account # XXXX Account # XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I sent a certified cease and desist letter with receipt to midland credit management on XX/XX/2022 and it was received on and signed for on XX/XX/2022. Midland credit management fraudulently attempting to collect a debt not owed. According to 15 usc 1692c ( c ) after a debt collector receives the debt collector to cease further communication with the consumer, communication is defined according to 15 U.S. Code 1692a ( XXXX ). The term communication means the conveying of information regarding a debt directly or indirectly to any person through ANY medium. Midland credit management is still falsely reporting on my credit report after receiving the cease and desist letter from a debt that I do not owe.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation.

As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( 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.

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o.

Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I appreciate your efforts to correct some of the inaccurate information previously reported on my credit file. However, I am currently unsatisfied that your examination fully complies with the Fair Credit Reporting Act 's guidelines. I believe that further action is required on the remaining accounts to ensure maximum possible accuracy on my credit file. Therefore, I request a reinvestigation of the following accounts : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$8100.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5000.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00}. If your investigation can not confirm the accuracy of the information I believe to be incorrect, please rectify the issue immediately. Additionally, please provide a description of the procedure used to determine the accuracy and completeness of the information to my address provided.
Product: Debt collection

Dear CFPB, I check my credit report weekly as I am working diligently to repair my credit report. It affects how much I pay for everything. Today I logged in to XXXX XXXX and my score dropped over 50 points. My jaw hit the floor. It was a collection account that was added. I never received one letter of collection nor did I receive a phone call. I am in the process of moving and this just bumped me out of qualifying for our new place and we gave notice that we are moving. I can being to tell you how violated and upset Ifeel.
Product: Credit card or prepaid card

Citibank credit card is double charging me for an order that I had already paid. When I was charged again a XXXX charge on my card I brought it to the attention of the credit card company as an unauthorized charge as I never place a duplicate order with the vendor. The credit card company is saying to bad I must pay again or they will ruin my credit.. I repeat I never made a second order with that vendor nor did I receive a second order. The first order arrived in two seperate days
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 Dept of Education/XXXX Account XXXX XXXX, Dept of Education/XXXX  Account XXXX XXXX XXXX Dept of Education/XXXX  Account XXXX XXXX XXXX Dept of Education/XXXX  Account # XXXX XXXX Dept of EducationXXXX Account # XXXX, Dept of Education/XXXX  Account XXXX XXXX has violated my rights XXXX 

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

I DON'T RECOGNIZE THE ADDRESS AND WANT IT REMOVED FROM MY REPORT IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I've consistently made payments on time for this account and never let them be overdue. I'm puzzled as to why there are reports of late payments on my record. According to 15 USC 1666b, billing errors should be corrected.
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 XXXX5 USC 1681.

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

This morning, I was shocked to find incorrect accounts on my credit report, and I have no idea how they got there. I check my credit report regularly, and this time, discrepancies just appeared out of nowhere. I even refreshed my browser, thinking it might be a glitch, but the errors remained. Im really concerned, so Im asking that the documents Ive sent be thoroughly reviewed, so I can stop worrying about this once and for all.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX Balance : {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transcript as of XX/XX/2017 shows I was in school and took 8 credits as required to quality for deferment/forbearance with late payments as a matter of law. Took classes online with XXXX XXXX XXXX at XXXX XXXX  XXXX, XXXX, Maryland XXXX. It is XXXX XXXX for XXXX XXXX. My student ID # XXXX. 

There was also a request for administrative forgiveness of loan and the interest reported should be canceled along with principal. The loan balance overstated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

For the company to do what is fair and equitable to me as a consumer by deleting the items Identify as Identity theft from the consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX department store. I settled back on or before 2019 and it still shows up against me. Its clear on their end seeing that I already have another credit card through them. Its only showing on the credit reporting side that its still open and against me.
Product: Credit reporting or other personal consumer reports

Equifax has failed to conduct a timely investigation, as required by the Fair Credit Reporting Act ( FCRA ), regarding my dispute. Despite multiple requests and attempts, Equifax has not fulfilled its obligation to conduct a thorough investigation into the inaccuracies on my consumer report. Instead, they have repeatedly restarted the investigation process without providing the method of verification or the results of their inquiries. This prolonged delay and disregard for FCRA guidelines constitute fraudulent behavior and demonstrate non-compliance with consumer protection laws. Additionally, Equifaxs unauthorized furnishing of my consumer report to third parties without my consent and without permissible purposes further exacerbates the situation. I demand immediate action to rectify these violations and ensure compliance with FCRA regulations.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report please address the matter promptly and confirm the removal of the disputed entities
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX ACCOUNT NUMBER XXXX, XXXX, XXXX  XXXX  ACCOUNT XXXX, XXXX XXXX ACCOUNT XXXX, XXXX, XXXX, XXXX ACCOUNT NUMBER 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you to inform you that under the F.C.R.A Law XXXX XXXX XXXX failed to notify me at least 5 business days before they reported negative items on my credit report for the month of XX/XX/2019. By law whenever a creditor decides to put a negative account on your credit report they have to notify you at least 5 business days before and they failed to do so. XXXX XXXX XXXX  failed to follow the F.C.R.A regulations on when they are reporting negative items on my credit report. They have to be compliant, accurate and specific at all times when they decide to put any negative accounts on my credit report. Under the F.C.R.A Law they failed to provide these notices to me. A failure to notify is a failure to report accurately and also a failure to comply. 
Because they failed to notify me, it is an obligation to remove these items, its not a dispute in this, its a fact under the F.C.R.A Law and this negative items must be removed. Also under the F.C.B.A they failed to provide me with an accurate and up to date balance the month they reported this negative item. How do I make sure that the balance wasnt modified or misrepresented at that time causing these accounts to be late?? In reference to this I would like to see up to date balance from this specific month and how it was justified to be late. How can I be sure that my account was late at those times or if this was a calculations error? I dont have the details, so Im asking for whatever evidence or documentation that they have under compliance.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On  XXXX / XXXX /  XXXX  , Navient received my payment for  XXXX  loans :  XXXX     XXXX   XXXX     XXXX    XXXX   XXXX      Loan   XXXX  got paid off completely, next loan  XXXX  was suppose to be paid off as well, it turned out my payment was more then enough, so they kept a credit of {$1800.00} against this loan without informing me. I emailed them after a week to use this credit amount and pay it towards  XXXX  loan. After a week they finally did it but : instead of making a payment  ( {$1800.00} ) tow ard loan  XXXX  they transferred all of the funds that were paid towards loan  XXXX  to loan  XXXX  so now loan  XXXX  has a credit of {$1300.00}, and loan  XXXX  is back to original state. Also loan  XXXX  bears higher interest rate. So after  XXXX  weeks from repayment I am still being charged interest on loans that were suppose to be repaid while they hold credit balances on paid off loans.     I refuse to call them, they have terrible customer service, I do n't have time to spend  2 h ours on the phone with them. They do n't respond to my emails anymore. Please help.     Thank You.
Product: Credit card or prepaid card

I received a U.S. Bank Reliacard in the mail on behalf of The Colorado Department of Labor and Employment ( CDLE ). I did not apply for this card. The CDLE website is useless for reporting fraud and their live chat feature is also useless. A person can not call U.S. Bank about the card without first activating the card which I will not do. I never lived in Colorado or paid taxes in Colorado. Why would Colorado issue me this unemployment card? 
All of these agencies are inept. 
This is identity theft.