23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax has mistaken my former address which is the same with my current address XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX instead OF XXXX XXXX XXXX XXXX XXXX, NY XXXX.Also they did n't report any employment history.I am employed at XXXX NY XXXX PHONE:XXXX.I 've been working in this location for almost 5years.Also equifax did n't update my credit score with FICO for two months giving me poor score while my score is fair with XXXX.I could n't understand that mismatch.According to XXXX my score is fair. and poor according to equifax.it was also fraud alert on my credit report placed on XXXX/XXXX/2015 for the XXXX time, the XXXX time was placed on XXXX/XXXX/2015.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  the following accounts listed below has violated my rights. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid 4 Medical Collections on my credit on XX/XX/2019 to Convergent Healthcare Recoveries , Inc via phone with 2 different debit cards that is from my 2 Credit Union Accounts. They informed me they was going to report my payments to the bureau. When I pull my credit report through XXXX XXXX I noticed that they was on my credit report, in which they wasn't on their before. I paid the collections as soon as I got the letter so they would not hit my credit report. But as soon as I paid them, they reported me to the credit bureaus as if I never paid. I called them back to discuss why was it showing on my credit report 30 days later and why haven't they sent me a receipt and the collection representative told me they don't send receipts, I will have proof that its paid when I check my bank statement and its not on my credit report. I see the 2 Charges taken from each account for the 4 collections, but they still reported me and 30 days later my credit report is not only inaccurate, but that too my money and is telling me it will take up to 120 business days. Whats worst is the collection  reps acts secretive as no one likes to give their names at Convergent Healthcare.  They only become rude and hangup on me. I feel like I was not only robbed but they are reporting bogus information on my credit report. 

Collection 1 - {$66.00} ( Paid With XXXX XXXX XXXX ) Collection 2 - {$250.00} ( Paid With XXXX XXXX XXXX ) Collection 3 - {$250.00} ( Paid With XXXX XXXX XXXX ) Collection 4 - {$250.00} ( Paid With XXXX XXXX XXXX Account )
Product: Credit card

Hi, my US Bank altitude reserve card ending in XXXX was lost in XXXX, and there were a series of fraudulent transactions from XXXX posted on my account. Here are the reference number : XXXX XXXX and XXXX XXXX. I reported those to US bank, and they said they were doing the investigation. In XXXX, after XXXX month, they charged full amount of the fraudulent transactions on my card again. They told me that XXXX shows the items were shipped to my address and let me pay for the transactions I have never done. I was in XXXX in XXXX and not in North Carolina. Also my apartment has a package room where XXXX, XXXX, XXXX will deliver the packages. Nobody delivers anything to me or left me any messages. I have no idea about something I have never bought. Please check on these transactions and clear those charges from my account. Thanks
Product: Debt collection

I am writing to dispute the alleged debt that you have placed on my credit report. According to the Fair Debt Collection Practices Act ( FDCPA ) Section XXXX, debt XXXX are required to provide notice to the consumer within XXXX days of their initial communication. I have not received such notice from your company. 

Furthermore, upon my request, you have failed to provide me with a receipt of the certified mail containing the alleged notice, including my signature confirming receipt. This failure to provide documentation not only violates my federal rights but also raises serious questions regarding the validity of the debt in question. 

Your recent response to my inquiry lacks substantial evidence of compliance with federal regulations. While you assert your legal right to collect an alleged debt, you have failed to provide any verifiable proof of notification or adherence to the necessary disclosures under the FDCPA. Without such evidence, the presence of this debt on my credit report is unwarranted and unjustified. 

Moreover, your own records indicate that you received the alleged debt for collection placement on XX/XX/22, while my credit report indicates that this account was opened on XX/XX/22. This inconsistency demonstrates a clear violation of my federal rights under FDCPA XXXX XXXX ( a ) ( XXXX ) ( ii ), as you furnished this account to the credit reporting agencies before providing me with notice let alone before you even received this assignment to collect. 

I demand that you immediately remove this collection from my credit report. Failure to do so will leave me with no choice but to pursue legal action against Credit Service International Corp for defamation of character and violation of my consumer rights. 

Enclosed, please find copies of my correspondence with your company, as well as my credit report reflecting the inaccurate information. I expect a prompt resolution to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute late payment records on my student loan account as reported to the credit bureaus by XXXXXXXX XXXX XXXX XXXXXXXX. Upon reviewing my credit report, I discovered 5 late payments listed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that I believe were reported in error. I request that the Consumer Financial Protection Bureau ( CFPB ) assist me in investigating this matter and ensure that my loan servicer corrects or removes the inaccurate late payments from my credit report. Under the Fair Credit Reporting Act ( FCRA ) and the Higher Education Act, I am requesting that my loan servicer provide verification of these late payments. If they can not verify the accuracy, I request that the late payment records be removed or corrected. 

Thank you for your time and assistance.
Product: Mortgage

XXXX XXXX XXXX using XXXX speed pay I incorrectly submitted an incorrect bank acct # in processing payment, which resulted in a 30 day derogatory to the XXXX reporting Credit Bureau by my Mtge server. I contacted them explaining what happened and requested a one time courtesy reversal .I was in process of refinancing loan and that because of negative report it made me ineligible to qualify They have refused to grant me. I have made my payments on time since XXXX/XXXX/XXXX to present.
Product: Credit reporting, credit repair services, or other personal consumer reports

As reported previously XXXX XXXX has once again reported information inaccurately to credit reporting bureaus. This seems to be a continuing problems with this company reporting my account balance/status. XXXX XXXX has reported a closed account as an open collections. This account was closed in XX/XX/XXXX as a charge off/collections. A judgement was obtained on me in XX/XX/XXXX for which I currently pay {$40.00} a month. This is and has been a closed account yet XXXX XXXX is reporting this as an open collections account which has a monthly payment of {$370.00} and does not state " Paying as Agreed '' as it should, but states " Derogatory : Collection/charge-off in status ''. This is a violation of the Fair Credit reporting Act : I am entitled to a fair and accurate credit report. A this company is abusing it's credit reporting abilities. 

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

623 ( A ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.
Product: Debt collection

Recently, I received an alert from XXXX XXXX indicating that a new debt had been added to my credit report. Upon reviewing the details, I noticed a claim from Credit Management LP regarding a XXXX bill amounting to {$140.00}. 

I would like to clarify that I have never had a XXXX account and I have no knowledge of the debt in question. To resolve this issue, I promptly sent a debt validation request to Credit Management LP. Unfortunately, I have yet to receive any response, and the debt continues to be reported. 

This situation is particularly concerning as I am currently in the process of trying to purchase a new home, and the presence of this erroneous debt could significantly impact my finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. 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. Thank you.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
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Product: Credit card

The distress caused by this situation is palpable, impacting my quality of sleep and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error that I am not responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled in school ... ..and I applied for federal and Pell grants ... ..I did apply for any loans and now I'm stuck with this on my credit ... ... .they have already passed loan forgiveness ... ... please help????
Product: Checking or savings account

KEYBANK is in cahoots with merchants to deprive XXXX of their liberties under the US Constitution. This is based on the fact that o gave KEYBANK pertinent info that unquestionably showed that XXXX XXXX XXXX had no right to take money from my account fir a repair that paperwork from XXXX own confession proves XXXX lied about me needing to replace struts on XXXX. KEYBANK also violated my liberties to be free of a locksmith who had no legal right to state he programmed a key fob for my XXXX XXXX  lt car on XX/XX/XXXX when paperwork clearly shows according to XXXX, the key fob in question that I bought to be programmed had no electronics on inside which would make XXXX XXXX to program the key fob impossible. The receipts I gave KEYBANK which both issues with XXXX XXXX and locksmith XXXX XXXX involve my XXXX XXXX have never been responded to from big merchants therefore affirming that merchants lack of evidence and guilt by silence to my claims of deception, fraud and unjust withdrawal of my account lean more to both merchants having no standing to get funds from my account especially when XXXX also showed a clear pattern of fraud by forging a document dated XXXX. XXXX service report on XXXX near bottom of page unquestionably shows that XXXX  violated mt right to know my struts were good and didnt warrant replacement based on fact that XXXX never mentioned to the XXXX XXXX XXXX nor the Ohio attorney general that XXXX  stating my struts were good was in error. This is another affirmation that what XXXX did was conceal evidence on XXXX ( service report of XXXX saying my struts were good ) in order to retrieve funds from my account wrongfully. KEYBANK has pertinent info to me being Violated by both merchants but because of the continuance denial of minoritiess liberties including loans and access to fair treatment as a bank client, KEYBANK again chose to hold onto a lie that KEYBANK did nothing wrong when history clearly shows KEYBANK indulges in denying minorities the proper treatment involving banking disputes. KEYBANK also uses its own well known response to clientd complaints that had no individual basis to it at all by stating quote : the transaction was properly processed, however, before the truth can be properly ascertained and confirm to any dispute, no client should lose funds if direct evidence clearly shows the merchant engaged in an unjustified transaction which shows theft, deception, fraud, withholding of facts that are favorable to a bank client. KEYBANK in cahoots with both merchants clearly withheld facts that evidence is more favorable to XXXX XXXX XXXX being taken advantage of by all XXXX parties ( KEYBANK, XXXX XXXX and locksmith XXXX XXXX. KEYBANK made no confession that KEYBANK excluded the fact KEYBANK never obtained any info favorable to both XXXX XXXX and XXXX XXXX to side with the merchants because a XXXX  was involved which assets XXXX by KEYBANKs denial of XXXX XXXX XXXX liberties under the bill of rights under the right to be informed and the right to properly redress an issue
Product: Credit card

In XXXX I purchased an item online using my Citibank Mastercard. The seller did not have the item in inventory at the time of purchase but told me they would within a month. Two months later I still did not have the item and so filed a dispute on the charge with Citibank and they provided me with a conditional credit. The item then arrived a week later. When I authroized Citibank to reinstate the charge they charged me twice for the item. In several email and telephone contacts with them I was repeatedly assured the duplicate charge would be reversed yet they have not done so and I feel I have nowhere else to turn.
Product: Debt collection

My late wife who was XXXX requested an antenna from XXXX ( she was a 15 year customer ) because the reception in the apartment we lived in at the time was very poor. XXXX delivered the antenna after much hassle. My wife finally succumbed to her illness and I moved XXXX to be with my daughter 's. I canceled my XXXX phone and returned the antenna to the local XXXX store XXXX XXXX XXXX, XXXX XXXX before I left. The young lady took the antenna and wished me well. I paid my phone bill in full but XXXX kept on sending bills for the antenna. They have turned the bill over to several different collection agencies. Each one has tried to cut a deal with me. I refuse to pay for something that I returned to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I noticed a fraudulent inquiry from XXXX XXXX. I called to request XXXX remove it and they said they would. I asked that ALL names other than XXXX XXXX and ALL addresses other than my current XXXX XXXX XXXX address be removed. He told me he needed specific names and addresses which I did not have access to. he refused to help any further in order to help me prevent future fraud due to old and outdated information on my report.I filed a complaint with the CFPB and XXXX did NOTHING but copy/paste some cookie cutter XXXX and didn't even try to address my complaint.Equifax and XXXX were not part of the initial complaint but I am adding them to this one because their online dispute portals are buggy and do not work properly.
Product: Checking or savings account

I reached out to US Bank in XX/XX/2018 multiple times about issues with fraudulent activity on my account. They fixed most of the issues and got me back to a XXXX balance atleast. I was fed up with the customer service and issues I was having. I switched banks and closed my account in XX/XX/2018. They said it was closed but then I found out months later it was negative and wasnt closed and they had sent for collections on the account. The account should have been closed when I requested it.
Product: Debt collection

Reported it to credit bureaus only XXXX has removed them, sent court documents, hired attorney to stop garnishment unconditional release of garnishee was signed dated by plaintiffs attorney XXXX on XX/XX/XXXX, financial recoveries inc after unconditional release signed again is trying to illegally garnish my wages, they have falsified documents to XXXX and XXXX   saying this is a creditor who hired them when this is a small claims case for eviction back in XX/XX/XXXX, when I requested from them meaning financial recoveries how they got this they refused to say exactly how they got this, when asked to show documents if hired by the XXXX XXXX they hung up the phone, they have stolen from me over a {$1000.00} never reported it to the credit bureaus nor have they sent any money to the courts like they are to when it comes to any and all court order judgements
Product: Credit reporting or other personal consumer reports

I am writing to formally request an immediate freeze on my credit report due to unauthorized transactions and inaccuracies caused by a recent data breach. I have noticed discrepancies and unauthorized activities on my credit report, which have raised concerns about the security of my personal information.
Product: Debt collection

Dear collection agent, I reviewed my credit on ( XXXX ) and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from ( XXXX XXXX ), the original creditor but I am unaware of the bill and breakdown of any fees/services. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( XXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to ( XXXX XXXX XXXX XXXX  ) for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees/services including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back via certified mail.
Product: Checking or savings account

On XX/XX/year>2024, as I was driving, I received a call. My cell phone displayed Citibank as the caller id number. A person identified itself as a Citibank fraud prevention deperatment alerting me of transactions that needed to veify if were made by me. THere were 2 transactions made in XXXX and I said that I had not made those transactions. The lady had my account number, and proceed normally as Citibank would do. Requested verification of me and send me a authentication code which I replied. 
THe following day, the same lady calls me, starts asking ssuspicious questions so I proceeded to hangup and call Citibank. 
I spent a good amount of time just trying to get to a human operator and when I finally got one I said that I had reasons to believe my account could be compromised. THe person I spoke, revised my account and said that everything look fine. I said that the only new transaction was {$200.00} XXXX  intransfer. 
After about an hour, I received a message alerting of a {$11000.00} transaction. This left only about {$200.00} in my account. 
I immediately called Citibank, the account was placed on hold and they said that they would get back to me in 5 business days. 
It has been close to 2 months and citibank never called me. I had to call them every week and they would tell me that they were investigating. Then I received a letter saying the investigation was closed and that my claim was denied. I call then and talk to another person, I said that Citibank had never called me to get details from my side. I said that I did not accept their result and that I would fight it. The officer said that it would be resubmitted to another analysist and that I would be contacted in 5 business days. Today, after 7 business days, i received a standard letter saying again that my claim was denied - no new information was received or discovered.

I understand that I have certain rights from the " Electronic Fund Transfer Act '' that should provide protection from a big bank like Citi that it is almost impossible to interact.