23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

One of my family members, an adult received XXXX XXXX. He signed for financial responsibility for the services " He '' received. He chose the doctor, went to their facility, signed off on financial responsibility for himself. ( I do not ever recall signing as a guardian or financial responsibility for an adult, The probability of being out of state at that time is very high. ), Phoenix Financial placed this on my credit as a collection without notification to me and it must be removed. 

I attempted to resolve this and stated that I was not the recipient of the services provided and that I did not sign as a responsible/financial responsibility for the services provided. So they would have the opportunity to correct the actions they took. No remorse, plenty of sarcasm and they continued to state that it was in dispute of which I do not believe such, and they are not going to give me a letter of deletion for my lender until I give the money for services that I did not receive nor took financial responsibility for. I am also making a complaint to the State 's Attorney 's Office per a conversation with your office.

I am not the party, It should not have been in my name. They continue to attempt to collect the debt from me and attempted to get me to do a verbal agreement with them to pay. I have a mortgage pending and need a deletion letter from my report or this will cost me tens of thousands of dollars. 

Also I did not give them permission to enter into a verbal contract nor agreement for something that is not my responsibility. 

This is not my debt or responsibility.
Product: Checking or savings account

Reference # XXXX After months of arguing Back and forth. All but XXXX claim has been submitted for a chargeback. The amount is for XXXX. I asked for the claim to be broken up into several smaller claims XXXX or less. My claim was denied yet again. Even tho I didnt receive and goods or services for the funds that left my account. I didnt make the transactions. Im just requesting that chase submit the chargebacks so I can recover my funds. Im told they can not resubmit it and Ill have to handle my issue outside of chase, but who else can submit a chargeback on behalf of them? After I called in to complain about them being 2 days past the date THEY stated Id receive my funds. I found out they restricted and are closing my accounts out of retaliation. Ive never been so abused by a company in my life.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Despite our prior correspondence and my persistent efforts, it seems that the issue has not yet been resolved. 

As I have emphasized before, the presence of these late open accounts on my credit file is causing significant distress and negatively impacting my financial standing. It is crucial that we take immediate action to rectify this situation and ensure the accuracy and integrity of my credit report. 

I understand that rectifying such errors may require time and effort, but it is essential that we work together to expedite the correction process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory resolution. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance : {$140000.00} ; XXXX  XXXX Balance : {$190000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a XXXX XXXX  in XXXX XXXX for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Product: Vehicle loan or lease

I purchased almost XXXX plus used vehicle XX/XX/XXXX through Simmons Bank with a loan agreement. Provided proof of insurance through the car dealership that no longer exist to them under Tennessee Law, it is a must or you can not remove the vehicle from the car lot. 

Fast forward to XX/XX/XXXX, I received a letter from Simmons reporting that I need to provide them with proof of insurance from the day of purchase. I thought it very strange of them requesting a Declaration Page from my former insurance company knowing my last payment is coming up the following month and that so many years have passed that I will have difficulty retrieving this proof.

Since then, no resolution has occurred between us, Simmons has started reporting negative payments on my credit report knowing this is about insurance and that I do not owe them anymore payments. I have asked them to stop this action because it is fraudulent, misleading and inaccurate information. This has created a hardship for me, as I am in the process of purchasing a property and applying for extended lines of credit.
Product: Checking or savings account

On XX/XX/2020 I filed a dispute in writing that was submitted to Chime Bank regarding a merchant not providing a service that was paid for for a total of {$5400.00}. After 91 days, at XXXX on XX/XX/2020 I received an email stating that a determination was made that no error had occurred. This alone has exceeded the 90 day time frame allowed for the bank to investigate the error. Further more, a dispute against this merchant was filed at the exact same time, for the same reason, with the same evidence at my other financial instituion. This claim at the other financial institution was found in my favor in only 45 days. Chime bank made no attempt to ever reach out to me, ask me any questions, and waited until the last second to send me an automated email at 21 minutes before 92 days had passed. This egregious behavior must not be allowed to continue as further investigation has showed this to be a repeated problem Chime Bank customers face when having to dispute a charge. I find it especially troublesome that my other financial institution was able to resolve this matter in my favor, in a reasonable amount of time, while Chime bank has done absolutely nothing. After contacting the merchant, they have no knowledge of there ever being a dispute from Chime bank, meaning the bank outright lied about the investigation even taking place. Furthermore, a manager at chime phone support dispute team told me they didn't even have to do this, and it was merely a favor they were looking into the charges disputed. I reached out to chime over 30 times and never once did they ask any questions or even allude to what was occurring, simply that XX/XX/XXXX there would be an answer. It is important to note that I was originally told by Chime the dispute would be resolved by XX/XX/2020 ( I have attached a copy of this email as well ) If my complaint is not addressed by this company and resolution reached, I will move forward with my own legal counsel in resolving this matter, including a class action lawsuit against Chime, XXXX XXXX / XXXX.
Product: Debt collection

IC Systems Inc added collection to my credit reports without my knowledge. I have never received any written correspondence from this company whatsoever. I C Systems put collection on my credit reports without my knowledge and in doing so, violated the FDCPA Collection Practice by placing a collection on my credit report without sending a letter to me.
Product: Mortgage

Nation Star Mortgage company called my husband 's place of business and spoke with his boss. They told his boss that he was late on his mortgage payment and that my husband needed to call them back immediately. They gave him a call back number and a message number and his boss gave that to my husband. They have never been authorized to call my husband 's work or speak anyone but he or I.
Product: Prepaid card

Dear Sirs, On XXXX XXXX I purchased a Macys gift card in the amount of $ XXXX.The clerk activated the card for use .It was sent as a gift. When the card went to be used ; there were no funds available. This card was purchased at a XXXX store on XXXX XXXX in XXXX NY. I went to XXXX to inquire and I was told this happens frequently. There was nothing they could do. I went to contact Macys directly .After much haggling, I was told to go to any store and my card would be replaced. However, this was not the case, and the store refused to give me a new gift card. My last try was to my bank, Citibank, to open an investigation .I have since had two letters from them, stating there was nothing they could do .I was hoping you might be able to assist me in this matter. Apparently, two behemoths of retail, could not take some kind of responsibility for this outcome .I, the consumer, am left holding the bag.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, it appears that someone has opened an account in my name. The company is called Contential Finance. The card is called the XXXX card. I need this removed from my credit report as it is not mine.
Product: Money transfer, virtual currency, or money service

The company did not put up proper safeguards and information and left my money at risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX Acct # XXXX late payment was removed from my credit report XX/XX/XXXX, then added back XX/XX/XXXX. How is that even possible? I Cleary stated the late payment was against my rights in the first place with my complaint last month. But to remove it, then add it back is not right, my rights were also not addressed as well when late payment was added back. 

They are violating my rights under 15 U.S.C Section 604 A Section 2. 15 U.S.C 6802 The law clearly states a consumer reporting agency can not furnish a account without my written instructions, or share info to third party. 

I haven't giving these accounts written permission to furnish theses accounts on my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX closed my account and for the past few years I have been requesting a letter of proof for the closure of this account. After the closure of the account in XXXX XXXX XXXX XXXX marked me late for 8 payments during COVID in which I did not miss a payment. Even though I showed proof of payments the credit bureaus would not do anything without a letter from XXXX. 
Now that the account was paid off in full they recently gave me a letter stating that the account was closed in XX/XX/XXXX, and I have submitted the letter to Transunion and to XXXX and yet they will not change my report and change the close date to XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX has handled and managed the request but XXXX and Transunion will not remove the incorrect closed date or the late payments from the report. I have been trying multiple times with my credit repair agencies and no results. This has affected me in many ways badly. so I turn to you to help me with this problem.
Product: Debt collection

There is a Medical Collections on my credit report from Capio Partners that is not mine. It may be for someone with a similar name. I disputed this debt several times with collection agency/credit bureau and its still on my XXXX credit report.
Product: Checking or savings account

bank of America someone stole around XXXX dollars from my edd card, I desperately needed that for bills. bank of America keeps saying they will help and but nothing happens. I have been trying for two months to get my money back. when I call the claims department which takes hours to get someone. they say they will return the money, that I'm not at fault, but what actually ends ups happening is they just close the claim.- never received anything in the end timeline of events- 1. I call - agent says claims will be escalated- received a letter -no fraud case closed 2. I call again- agent says it was a mistake, reopens the case, the claim will be made a priority and I will be getting my money back - weeks go by they close my case nothing happens 3.I call again. agents say they will escalate my claim again - but nothing happens again
Product: Debt collection

On XX/XX/2021 a credit card for {$430.00} was put in my name without my permission. The company attempted to collect debt, I informed the company that, I was unsure of who put the credit card in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the the fraudulent items several times with you to no avail. You sent correspondence stating the account in question WAS PREVIOUSLY INVESTIGATED. I proceeded to access my Credit report through your respective websites and made copies of the information pertaining to : XXXX XXXX XXXX XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. It has been over 30 days since the Credit Bureaus received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file with a last investigation. Based on the previous information, I am hereby demanding deletion of the disputed accounts from my Credit file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion.
Product: Mortgage

I just received a call today, XXXX, from someone claiming to be from XXXX, when spefically asked if with government XXXX, the gentleman said yes. The agent proceeded to tell me as part of XXXX his job was to let people know they are entitled to savings due to the type of loan that I had.I was told I did n't need to agree to anything at the moment and just to hear the cost savings. The agent proceeded to connect me to a 'Specialist ' while he remained on the line. I heard a recording say Loan Depot before the 'specialist ' got on the line and asked the agent who was Loan Depot as he said XXXX XXXX The line was abruptly disconnected at this point. Please make consumers aware loan companies are claiming to be federal agencies.
Product: Debt collection

This was the subject of a prior complaint which was responded to and for which company did not do what it said it would do in effectively removing collection from credit report. I called the CFPB with feedback about the company 's non-compliance and the representative said to go ahead and file yet another complaint against MBB. 
Rather then recount facts, see below and please consider as a resubmission for same : XXXX CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Debt collection ISSUE Took or threatened to take negative or legal action YOUR COMPLAINT Medical Business Bureau, XXXX, a third-party debt collector purchased an erroneous balance from XXXX XXXX XXXX in XXXX of {$360.00}. The health care provider was paid in full by insurance for a diagnostic test ordered same-day STAT by my treating physician. Any overage claimed as out of network but should not have been charged at all. The debt collector refused to settle the claim for less than {$290.00} and has continued to report a delinquent account to credit bureaus, causing negative impact to my overall score. They have also refused to divulge the registered agent for service of process for legal action regarding violation of 809 et seq. of the Fair Debt Collection Practices Act. 
STATUS Sent to company on XX/XX/XXXX STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response We have requested that the account be deleted from the consumer 's credit file and are checking with XXXX XXXX XXXX regarding the payment. Medical Business Bureau has not purchased the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continued to dispute this account because I do not owe any money on this account. The credit bureaus have failed to properly investigate it and delete it from my credit. I am asking for this account to be deleted because I do not owe any money.
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. 
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
Product: Credit reporting or other personal consumer reports

I have recently received a copy of my Transunion XXXX XXXX credit reports and noticed several inaccuracies and unauthorized accounts reporting to my credit report. These accounts have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, Experian began reporting accounts on my consumer credit report without my written consent. According to the FCRA XXXX Fair Credit Reporting Act ), 15 USC 1681b. ( 2 ) consumer reporting agencies may furnish a consumer report under the following circumstances and no other ; In accordance with the written instructions of the consumer to whom it relates. I have repeatedly requested that Experian remove the below accounts and Experian has ignored my request with their latest dispute results dated XX/XX/XXXX stating The company certified to Experian that the information is accurate and the item was not changed as a result of my dispute. 
Those accounts are : 1. XXXX XXXX XXXX XXXX ( this company sent a request to the consumer reporting agencies to have their account removed from my report but Experian is saying that the company certified its accuracy. Please see the attachment with the companies response about requesting this account to be removed after my CFPB complaint against them dated XX/XX/XXXX ) 2XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting this formal complaint against XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX for repeatedly reporting inaccurate information on my credit report, despite my numerous disputes. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, All the creditors and collection agency listed above is required to investigate disputed information within 30 days. However, they failed to fulfill this obligation and instead verified the inaccurate data without valid evidence. This has negatively impacted my credit standing and my ability to secure favorable lending terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not bother to review what I submitted supporting that the new posting from credence resource management is another post for the sale to another company/reaging of the debit I had previously disputed that was shown under XXXX XXXX. Experian dispute results says XXXX certified to them the information reported is accurate which shows account opened date XXXX of this year.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote this company ComenitycapXXXX and asked them to do an investigation and correct their records. This letter was sent out XX/XX/2022. Today is XX/XX/XXXX and there has been no investigation or attempt to correct their records. Enclosed I will show pictures of the letter sent XX/XX/2022 along with a picture of the certified mail receipt. I am also enclosing pictures of my credit report obtained more than 30 days after they received the letter to investigate and validate the debt. You can see the errors across the reports when it comes to the dates of last activity and payment history etc. This has impacted me and changed my life severely. In the letter I stated that if no action was taken in a timely manner that I would be contacting the cfpb and still no validation of the debt after over 5 months. This is a complete violation of the fair credit reporting act and the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked several times from the car dealer and the bank about the credit report they pulled up in order to give me a interest rate of 15.99 % on my car loan and they have denied me of it. They told me that they don't have to give it to me and that I signed the contract already it want change nothing. Shady practices. Can someone help me retrieve the information that they pulled up at the time of purchase so I can make sure I wasn't XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. ALL XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX, Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX  Account # 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