23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am writing to address your organizations continued unlawful actions, including violations of the cease and desist letter I previously issued and disregard for federal laws designed to protect consumers. Despite my clear instructions, your company persists in contacting me, attempting to collect payments, and threatening adverse actions. 

On [ XXXX ], I spoke with an employee identified as XXXX ( XXXX # XXXX ), who explicitly threatened repossession of my vehicle and adverse credit reporting. This conduct is harassing and violates the Fair Credit Billing Act ( 15 U.S.C. 1666a ) and my rights as a consumer. 



XXXX XXXX is Not the Original Creditor Your company is acting as a debt collector. This distinction makes you subject to the Fair Debt Collection Practices Act ( FDCPA ), which prohibits harassment, false representation, and unfair practices. Your continued actions violate these protections. 


XXXX XXXX XXXX XXXX claims a security interest in my property. Security is an obligation of the United States, which makes the security a guaranteed payment. Any further attempts to collect from me, despite the nature of this security, are unlawful and constitute harassment. 


3. Revoked Power of Attorney I notified you of the revocation of power of attorney, yet you continue to act in violation of this revocation. 


4. Billing Error Notice Under the Fair Credit Billing Act ( FCBA ), I sent a formal notice of billing errors, which required an investigation and response from your company. You failed to investigate or respond and continue to attempt collection on a disputed amount. This failure to comply forfeits your right to collect the disputed amount and constitutes another violation of federal law. 


5. Failure to Comply with Title 15 U.S. Code 1640 Your organization has failed to honor rescission rights under the Truth in Lending Act. Your misrepresentation of the consumer credit contract as a retail installment agreement, without providing proper consideration, further invalidates your claim to any payments. 





Cease and Desist Violations All collection activities, including phone calls, letters, and threats, must stop immediately. 


XXXX XXXX XXXX As a debt collector, you are required to comply with all provisions of the FDCPA. Failure to do so will result in further action. 


Security Interest Your actions fail to recognize that the security claimed is a guaranteed obligation of the United States, making your collection efforts improper and unlawful. 


Power of Attorney Your company must honor the revocation of power of attorney and cease acting under any prior authority. 


Billing Error Notice You must acknowledge receipt of the billing error notice, provide proof of investigation, and confirm compliance with the FCBA. 


Rescission Rights You must comply with Title 15 U.S. Code 1640 and acknowledge my right to rescind the agreement.
Product: Credit reporting or other personal consumer reports

I have a ton of inquiries on my credit report that I did not do. I would like those companies contacted and have these inquiries removed. They are affecting my credit score drastically
Product: Debt collection

In the process of applying for a mortgage, I became aware of two accounts in collections with Gragil Associates for services provided at XXXX Hospital in XXXX NH. I did receive bills from XXXX Hospital after the services ( two ER visits ) and let them know that they had billed the wrong insurance company, not the one that I had at the time of service. I was told that it would be resolved, and stopped getting bills from the hospital. This is the last I heard of it. When I found this on my credit report, I filed a dispute with XX/XX/XXXX ; the result was " verified as accurate ''. I contacted the hospital and was told that since it is in collections, they can not discuss it. I have contacted Gragil Associates directly at XXXX : I requested service dates for the original ER visits and was only given one date of XX/XX/16 and told that the other visit was " that same fall ''. I requested account numbers for each collection account and was refused. I requested that a statement be mailed to me so that I could have the full account numbers and bill for my records and was told that " the account is too old, we don't do that. We already sent it to you so you should have it. '' She verified my mailing address, which was correct, however I did not receive any notice by mail from this company. She told me that she was unable to tell me if the original charges were ever billed to the insurance company or provide any other details about the charges. When I told her that I believed there was an error in billing, she stated that " it was probably your deductible. '' The charges total nearly {$5000.00} combined. I was insured by XXXX XXXX at the time of the services ( one ER visit for myself, one for my daughter ), and I have been fortunate enough to have very good insurance coverage. I have never had a plan with a plan deductible over {$2000.00}, which means that the error in original billing was never corrected and simply sent to collections. The original provider will not address the problem, and the collection agency refuses to provide me with even the basic information about the debt. 
At this point my hands are tied, and even if I just gave up and paid the full amounts ( plus " collections fees '' of course ), the collection will remain on my credit report and still prevent me from being able to buy my first home. I appreciate any help that you can give. I am unable to attach documents, as I have not been provided any. 
Collection agency is Gragil Associates, XXXX XXXX XXXX, XXXX MA, XXXX, ph # XXXX.
Product: Credit card

Received notice that Chase Bank is ending their relationship with XXXX on XXXX XXXX, 2015 so my XXXX XXXX XXXX XXXX will no longer be in effect after that date. They will be opening a brand new ( different ) Chase Freedom Visa Signature credit card account. I called on XXXX XXXX and then again on XXXX XXXX to speak with a supervisor, XXXX XXXX. In both conversations I got the same story. I could not just let the old card expire and request that a new account not be opened. I either had to wait for the new card and then call to cancel the new account or cancel the current account to stop the new XXXX from being opened. As part of the XXXX XXXX conversation, I opted for the latter option. Either way, I 've been put in a position of negatively affecting my credit score by having to voluntarily cancel an account. 

How is this fair? I thought part of the Act was to prevent credit card companies opening unasked for accounts - I guess their lawyers found a loophole for so-called " existing '' customers? This stinks!
Product: Credit reporting or other personal consumer reports

These are the accounts I have marked inaccurate : - 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 XXXX {$500.00} closed XXXX XXXX XXXX XXXX XXXX Paid in full XXXX XXXX XXXX XXXX  account closed XXXX XXXX XXXX XXXX {$1000.00} account closed XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$650.00} XXXX XXXX XXXX XXXX closed and its been 7 years XXXX XXXX XXXX XXXX XXXX XXXX Account closed and its been 7 years XXXX XXXX XXXX XXXX XXXX XXXX this is not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 15 USC 1681, section 602a ), it is emphasized that consumer reporting agencies, such as XXXX and XXXX, must carry out their significant responsibilities with fairness, impartiality, and a profound respect for the privacy rights of consumers. As a consumer, I assert my right to ensure that my private information remains confidential, as supported by 15 USC 6801, which states that financial institutions are obligated to respect customer privacy and safeguard the security of nonpublic personal information. 

It is important to note that the entity furnishing information to credit agencies, categorized as a financial institution under this statute, must adhere to specific guidelines. According to 15 USC 1681, section 604a, a consumer reporting agency can furnish a consumer report only in accordance with the written instructions of the concerned consumer. I explicitly state that I have not provided my consent, whether verbal, non-verbal, written, implied, or otherwise, for the disclosure of my information to XXXX, XXXX, or the aforementioned financial institution. 

Referring to 15 USC 6802 ( b ) ( c ), it is outlined that a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed about the option to exercise nondisclosure. I assert that I was not informed by the entity furnishing information to credit agencies about my right to exercise the nondisclosure option. 

Additionally, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports without proper authorization. This includes adverse items that antedate the report by more than seven years. The reporting of this account as an adverse item without my permission is a violation of my rights under this statute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card account marked as late on XXXX however i was never late and even submitting proof they refuse to correct the error but yet marked account as verified. I have contacted the credit card company as well and they are also referring me to the credit bureaus for resolution so i'm getting not where.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This is my second 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 ITEMS. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

I have been making payments on a defaulted Private studen loan owned by Navient former XXXX XXXX, beginning XXXX 2013, in hopes to rebuild my credit. I was a XXXX XXXX student and have learned of their predatory charges as well not to long ago. Recently I reviewed my credit report and notice that the payments I have made were still being noted as Charged-Off ( CO ). I have tried to contact the debt collector, XXXX XXXX XXXX ( XXXX ) and was told they are suppose to note it as payments being made. I then contacted Navient, with a few run around, i was later told the only way it will no longer be noted as CO was if i paid the balance in full of XXXX. I 've contacted the credit bureau, XXXX, to get some insight and in hopes if the situation was disputable with no avail. Nearly after XXXX years of paying on time every month through their debt department of XXXX, my account is still in default until the balance is paid off in full. Once you 're in default, there is no way out, you 're stuck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts 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 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

I am also requesting the date that the supposed delinquency incurred, which should have been given to you by XXXX XXXX. I know that it typically takes XXXX years for a trade line to be removed, but I would like to know the specific month and year that this trade line will be removed. 
ACCOUNT : XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX Inquiries ...

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX   EXPERIAN XXXX XXXX XXXX XXXX I'm the victim of identity theft. I have disputed several times with Experian regarding the above mentioned accounts and inquiries. A fraud alert has been placed on my report. I've also filed a police report.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX **** Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$3500.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$43000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$340.00} XXXX XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX  XXXX Balance Owed : {$2900.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I vaguely remember applying for the XXXX XXXX XXXX but I know I never activated or used this card. I have spoken with the collection agency asking for proof of transactions.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XX/XX/2019 this auto loan account was open in my name with my personal info acct number XXXX i wan thtis account deleted off of my report
Product: Mortgage

We had a water damage to our house in XXXX 2015. It has been a nightmare ever since to deal with Nationstar Mortgage. This is our 3rd complaint for the same claim. Nationstar told us after we complete final inspection, they will release the final check within 3 business days.We completed XXXX inspection, all repairs are done. We have report from inspector. I called them today and XXXX ( employee # XXXX ) told that they want a clean air test. They did not even look through the paper work. The air clearance test was done after mold remediation back in XXXX. Here it comes again, hours on the phone with Nation Star Mortgage, going in circles. Nation Star has a horrible practice of misplacing and mishandling documents.
Product: Credit reporting or other personal consumer reports

My personal information, such as my I.D, my debit card numbers, social security card and birth certificate, has been stolen and comprised. I reordered my debit card, social security card and I.D . I also went to the police and made a report.
Product: Checking or savings account

XXXX Comericq Bank for my SSDI Beneficiary direct deposits via their direct express card. Set this up so my first deposit would arrive on XXXX I used Comerica Bank in past ( up until XX/XX/ ) before changing banks. Input my card number correctly too. Checked three times. SSA has proof they sent my XXXX SSDI payment to Comerica Bank for deposit. I went to my local SSA office to get printout as proof ( TRACE number XXXX ) XXXX XXXX. Spoke to two different DIRECT Express reps. They can not see my SSDI funds, even though were in fact sent to Comerica Bank. I called direct express cs again at XXXX XXXX XXXX XXXX EDT on XXXX  Spoke to a supervisor. Told me my Direct Express Card number is not active ( Cards beginning with XXXX ). Now use a card beginning with XXXX something something.she is seeing my {$1500.00} SSDI deposit on my new card ( which I do not physically have ). She then transferees me to correct department, but I can not input my social security number, as it is unrecognized. I could not leave a message or leave a request for a callback. So I basically am at impasse through no fault of my own. This company stinks.
Product: Credit card or prepaid card

In my past credit card statement I found some transactions I did not recognize so I reported those charges as fraudulent to Discover in XX/XX/2021. The disputed amount totaled to {$1000.00}. Discover took 3 months doing nothing and concluded that those charges on my statement are valid. I have not received any goods or services delivered to my home for those amounts charges. No reasons or explanation from Discover why those charges were valid. It is absolutely unacceptable to be responsible for those charges with no goods or services received. Discover advertises " zero liability fraud protection '' but it is all lie and they will ignore their customers. Do yourself a favor and take your business elsewhere.
Product: Checking or savings account

We ( XXXX and XXXX XXXX ) went to Chase Bank to open a CD account -- 4 % for 3 months -- on XX/XX/2023. We do not drive. Our daughter drove us. She helps us with our daily tasks and needs. Chase is our bank ; they had a good interest rate ; so we decided to stay with Chase, even though many banks have similar terms. We went to the XXXX XXXX, CA Branch on XXXX and XXXX XXXX to open the new CD. 

We THOUGHT we opened the account on XX/XX/2023. We were told at that meeting that the branch employee 's printer was not working, so she could not provide us with the paperwork. We did not consider that there was or would be a potential problem with opening the account, so we asked if we would see the account online. The branch employee said yes, so we left without the paperwork confirming the new account.

When the CD rolled over -- on XX/XX/2023 -- to a lower interest rate and a 74-day term ( as opposed to 3 months ), we started to investigate. It turns out that -- for a reason unknown to us -- the account wasn't opened until XX/XX/2023, depriving us of significant interest on the cash in the account. 

It appears that either a mistake or fraud occurred when we thought the account was opened on XX/XX/2023. So we made a new appointment. On XX/XX/2023, we talked to the branch manager and employees to investigate why the account was opened 15 days after our in-person appointment to open the CD. The branch employees claimed it was a mistake and that it would be corrected. On XX/XX/2023, we also talked by phone with the branch manager at another Chase branch in XXXX XXXX XXXX, CA because we no longer trust the employees at the XXXX XXXX XXXX. He investigated and also said it was a mistake by the branch employee. 

To date, even though both branch managers said the mistake would be corrected, nothing has changed in our account. It has been over two weeks. The interest that should have been added to the account starting with the date that we scheduled an appointment with the bank and opened the account ( XX/XX/2023 ) is not yet in the account, which amounts to approximately {$2000.00}.