23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had purchased a {$500.00} XXXX from an online music shop in XXXX. The item was delivered, but I never received it so I believe it was stolen. I filed a complaint with the merchant and they refused to help, and my bank denied my claim stating the merchant said it was delivered. It should be the banks responsibility to compensate me for my stolen goods, not make me pay for something I never received. I even showed a police report to them and they refused to help.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I mailed certified letters to Experian. XXXX and XXXX asking to remove inaccurate personal information and update my current accurate information stated on my ID w2 and bank statement. On XXXX I received a letter from Experian stating they thought a XXXX party requested it. Ive called 5 times on hold for over an hour
Product: Credit reporting, credit repair services, or other personal consumer reports

My medical provider XXXX XXXX XXXX in XXXX billed the wrong insurance company. Upon my visit I provided the correct card " before '' entering, they made the usual copy and thought all was good. Around 12 to 18 months later we get a bill and it stated the insured wasn't covered which was true because I know longer worked for the same company. I called XXXX, reminding them that they used the wrong group ID and member number and once again I gave them the same card information as stated above with the " correct '' insurance and member ID. They continued to send bills with the incorrect insurance company, this went on for months and we tried to resolve this. I offered to pay what the negotiated amount would have been ( once insurance adjusted their fees ) which would have been 10 % or so from our plan. They turned this over to a collection company XXXX XXXX XXXX. After the second call with them, they accepted my explanation and said I would not hear from them anymore however the damage has been done because they but a derogatory mark on my credit rating which stood at XXXX for over a decade done to the XXXX area. I tried to resolve this with XXXX and XXXX  with no resolution and for the first time I have to turn to CFPB for some help in getting this resolved.
Product: Debt collection

XXXX XXXX XXXX paid in full still on my credit file XXXX Rausch Sturm LLP I asked them to pay but don't want to take payment reported to the credit reporting agency put lean on my house. 
XXXX XXXX paid in full is still on my file Ice system paid in full still on my file
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX # XXXX is reporting an account to my credit with a balance that is already paid off. This has been paid for some time and is still reporting a balance and I need this removed off of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Who : Branch Manager for Hawaii Mortgage Experts What : Branch Manager ran a hard credit inquiry on my husbands and I credit report. My husband received a message from the branch manager on new lower VA rate for mortgage home loans and would we like to take advantage of the opportunity. My husband didn't respond to his message till later and replied " no ''. 2 days later we check our credit report and noticed a hard credit inquiry was processed with out mine or my husbands permission. We contacted the branch manager and asked why did he run a credit check without our consent and his response was " we want to save our clients money ''. He then asked what the problem was running the credit check? 
When : XX/XX/2019 Where : The inquiry was under XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In violation of cra act Inaccurate credit reporting All these inquires
Product: Credit reporting

In XXXX XXXX I pulled a copy of my credit report and notice a judgement was reporting, this was mind blowing to me because I knew that I paid all my bills on time and should not have any judgement against me. So I sent a certified letter to the credit bureaus XXXX XXXX XXXX, to ask them to investigate and remove incorrect account from my credit file. All XXXX bureaus responded stating the account is correct and I should contact the XXXX court because they are the ones that send over the information to them. 

I reached out to the XXXX court, they told me that they had no judgement in my name and also, that they do n't communicate or report any information to the credit bureaus. So I sent another certified letter to the credit bureaus XXXX XXXX XXXX, letting them know the response I got from the XXXX court and XXXX and XXXX responded stating that they deleted the inaccurate information. I did not get a response from Transunion, so because XXXX and XXXX did the right thing and delete the inaccurate account, I assume Transunion did the same. 
In XXXX XXXX I pulled my credit report and notice Transunion score was much lower than XXXX and XXXX score. When I look deeper i notice Transunion was still reporting incorrect judgement, so I wrote to them XXXX XXXX, XXXX with a list of questions XXXX of those question I asked, was the names of the people they spoke to, and to provide me copy of all the documentation they received from the courts as proof that whatever account they are reporting is accurate. They responded XXXX XXXX, XXXX with a generic letter stating the account is verified, with no proof of how the account was verified and absolutely none of my questions were answered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding a potential violation of 15 U.S.C. 1681a ( 2 ) ( i ) under the Fair Credit Reporting Act. I believe that the information provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in a consumer report has not complied with the exclusion outlined in 15 U.S.C. 1681a ( 2 ) ( i ). Which state that Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The consumer report I received from XXXX, XXXX and Equifax contained information that was solely related to transactions or experiences between me and the entity making the report, as per the exclusion outlined in 15 U.S.C. 1681a ( 2 ) ( i ) However, I believe that the information provided in the report did not adhere to this exclusion and included elements that extended beyond the scope of transactions or experiences between me and the entity. 

I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that my rights under the Fair Credit Reporting Act are upheld. 

I understand the importance of accuracy and compliance with federal regulations in the handling of consumer information, and I trust that the Consumer Financial Protection Bureau will thoroughly investigate this complaint.
Product: Checking or savings account

On Thursday XX/XX/2019 we noticed {$1200.00} was taken from our checking account and was being sent to XXXX XXXX where we have our mortgage. Our mortgage is $ XXXX  monthly. Thinking we had forgotten to pay it we transferred another {$870.00} from our savings to make up the difference. It was all " pending '' to XXXX. I realized that I had received an email that we had ALREADY made our mortgage payment on XX/XX/XXXX or XX/XX/XXXX. XXXX is NOT authorized to take monies from our accounts. We make our payments ourselves through bill pay. We quickly went to Huntington Bank in XXXX on XXXX XXXX to request a stop payment. The banker we saw said he wasn't sure he could stop the payment but he would try. I asked what further steps we could take ... was there some federal agency or something that could help us? He didn't know. I consider this to be mortgage fraud. Checking out XXXX account today, the monies have not been received or distributed to our UP TO DATE mortgage. We don't know where the money went or why Huntington allowed to money to be taken from our accounts. My husband went back and I believe he opened a new checking account with Huntington in case this is a scam. Huntington is responsible for giving out {$2000.00} of our money without our authorization or permission. We are XXXX  citizens living on a fixed income. That money should be put back into our Huntington accounts or given to us in a certified check. How are we supposed to live if they just allow our fixed income to be taken out without our permission?
Product: Credit reporting, credit repair services, or other personal consumer reports

i Sent certified letters with the return receipt over the past 3 months and the credit bureau refused to correct my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts appearing on my credit file that are from my identity theft case and they should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I received an email with the results of a background check done by Checkr, for the company XXXX. The background check showed warrants with XXXX XXXX in Louisiana. However, after checking with the XXXX XXXX Sheriff 's Office, it has been confirmed that I have no active warrants, and that checker is showing years old information. This mistake led to me losing my employment and only source of income.
Product: Credit reporting

Ive initiated several disputes with Equifax over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlines and that your site has told me to do. Still having issues with some accounts because Iguess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. below are some documents i sent to them on several occasions. It really seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX are one in the same but neither one can really help ... .... So how is it the bureau claims to have all the info nut they ca n't find me in their system ... I think me and millions of americans are being lied to by the credit reporting agencies. Hope the fines keep coming. This is ridiculous. 

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
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. 

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 a
lso 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I went to XXXX XXXX. I paid via insurance and supposedly still had a copay although my deductible was reached for the year, my insurance paid all costs. It was sent to collections and I never received any emails, letters or phone calls regarding this collection. When I tried contacting Receivable Management Systems, they did not answer. Their website is a scam, reviews state this is a food restaurant. I have tried disputing this a few times. I would like this to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy on all accounts.

15 USC 1681 Section 604 A Section 2 : It also sates a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose or reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to delete the following information in my file. The items I need deleted are listed in the report. 
I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

Dear Debt Collector 's, I am writing to formally dispute the medical debt you have contacted me about and demand immediate validation of this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I am aware of my rights, and I intend to exercise them fully. 

You are required by law to provide the following information : 1. The name and address of the original creditor.

2. The exact amount of the debt, including any interest or fees that may have been added.

3. A detailed, itemized statement of the medical services provided, including dates of service and any payments made.

4. Copies of any documents that substantiate this debt and prove that I am legally obligated to pay it.

5. Evidence that you are licensed to collect debts in my state. 

Furthermore, I demand that you cease all collection activities and communications until this debt has been fully validated. Under no circumstances should you report this alleged debt to any credit reporting agencies until you provide the requested documentation. 

Additionally, I would like to point out that I have not received a Form 1099-C related to this account, which is mandatory for reporting canceled debt. Its absence raises serious questions about the legitimacy of this claim. 

If you fail to provide the requested information or if you continue to pursue this matter without validation, I will not hesitate to escalate this issue with the appropriate regulatory authorities and consider legal action to protect my rights. 

I expect your prompt attention to this matter and look forward to your swift compliance. 

Sincerely, XXXX XXXX
Product: Debt collection

-The alleged Creditor failed to respond to my " Affidavit offer to perform upon debt validation letter '' and numerous communications were sent via mail to the alleged creditor 's address. I sent the alleged creditor a " Cease and Desist '' notice to stop all collections and reporting until the alleged creditor can verify and bring forth the " original contract '' and respond to stipulations in my " affidavit to perform upon debt validation letter ''. After giving the alleged creditor 30 days to respond to my " Affidavit offer to perform upon debt validation letter '' and numerous communications via mail, I have not received a response and have just been ignored. The alleged creditor after the fact there is a " Cease and Desist '' in place is still reporting derogatory information to the credit bureaus that's hurting my credit profile. Now I'm here to report Identity theft due to no response and have just been disrespectfully ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Bank XXXX XXXX has reported me as late in XXXX. This occurred, after multiple calls on recorded lines. I called them in XXXX to report a hardship. They set me up with an agreed upon payment plan which I met the terms to. Then they reported me as being late. When I called twice, I was told that I was reported late because I didnt make the regular psyment. Even though I paid what we agreed to they told me I should have know I would be reported late. At no time, again on a recorded line did they ever mention they would report me late. They just wanted my payment and had no intention of living up to what we agreed to as the assisted me during a hard time. After my second time on the phone trying to have the late payment removed I was told there was nothing they could do so I closed a 14 year account. Simply said, they operate in a unethical way. On other calls I had after XXXX they told me if I made a large payment I would be caught up. I did just that paying {$400.00} in a XXXX to once again be lied to as I still wasnt caught up. Thats when I canceled. I did everything they asked and each time they never stated I would be reported late until they did so. I would like the calls to be listened to from XXXX on which will prove all I say. Simply they are again very unethical as thats not how you do businsss when a 14 year customer asks for assistance.
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX I deposited a check for {$8000.00} into a Bank of America ATM - admittedly not my best idea. I went through the usual process and inserted the check, but the ATM froze and ate the check. It went through a " please take your check back '' error screen but never dispensed it. It did give me an error receipt with a phone number which I called immediately. I was told it would take between 1 and 45 days to verify the deposit amount and that there was nothing they could do to help. I called back the next day to check on the status of the claim and they didn't have any updates and still, as of XX/XX/13, I haven't heard anything. I explained on both calls that the money was to cover a hardship and that I can't wait 45 days but again, they don't seem interested in helping.
Product: Debt collection

I recieved constant calls from SW Credit Systems L.P. # XXXX about a XXXX XXXX for {$380.00} that was not mine. I call several times informing them it wasnt and I never lived in the XXXX area. They said someone must have gotten my Soc Sec number and they wanted me to pay it anyway. I refused and now I see they have placed my credit in collection and My score has dropped from XXXX to XXXX. I am sure this is an unreputable company after the many phone calls I made to them. Please let me know how to proceed in getting them to remove this black mark and completing this complaint. Thanks XXXX
Product: Credit reporting or other personal consumer reports

I am requesting Old address inaccurate address be removed from my credit report and updated to this current address. 

XXXX XXXX XXXX XXXX Ca XXXX Furthermore ...... 


I am writing to formally request a thorough reinvestigation into the inaccurate accounts on my consumer credit report. I have identified several erroneous instances and non-compliant information that require your immediate attention. 

Federal regulations mandate the complete, accurate, and compliant reporting of all information, particularly within the Metro 2 data fields. Any deviation from this standard is a violation of federal regulations and a breach of consumer trust. 

Additionally, you are in violation of the Privacy Act of 1974, as I was not given an opt-out notice as required by 12 CFR 1016.4, which mandates initial privacy notices to consumers.

I insist on strict compliance with Metro 2 reporting requirements. Therefore, I request irrefutable physical proof of the validity, accuracy, and compliance of the reported information. Specifically, I request : The name and contact information of the individual at the original creditor with whom you communicated to verify these items.

The method of contact used ( e.g., phone, email, written correspondence ).

Whether you utilized a Universal Data Form ( UDF ) or an automated dispute verification system.

A detailed description of the reinvestigation procedure, including the steps taken to verify the disputed items.

If you can not substantiate the claims made in my report with the requested information, I expect the inaccurate accounts to be removed immediately. Failure to comply with my request will result in my taking legal action, including filing a lawsuit in small claims court for {$1000.00} per violation, pursuant to FCRA 623 ( a ) ( 3 ).

Please address this matter with the urgency it deserves and provide a written response within the 30-day period as required by the FCRA. I expect a complete and thorough investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX SSN : XXXX | DOB : XX/XX/XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items 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 creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items 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 ( 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 ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

I demand the following accounts be verified or removed immediately.