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

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

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

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

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

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

I have recently received a copy of my credit report, and to my surprise I noticed that reinsert accounts have been added back at the deletion. I disputed the inaccuracy of this account before and the account was removed. Im confused as to why this item has popped back up on my credit report
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXX Balance : {$690.00} XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

EQUIFAX is reporting assumed medical expenses to my credit report which is a violent of law. On XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) finalized a rule that prohibits consumer reporting agencies from including medical debt on credit reports. Credit score and report was negatively impacted by this. 
XXXX XXXX XXXX are claiming to be the original creditors of this assumed debt and that is false. The original creditor of this assumed debt is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, TN XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of the US Dept of EdXXXX account XXXX XXXX on my credit report. This account is reported with significant discrepancies across the three major credit bureaus, which are misleading and damaging to my credit profile. The following inconsistencies have been identified : Last Active Date : XXXX : XXXX XXXX : XXXX TransUnion : XXXX Account Status : XXXX : Collections or Government Claim or Terminated for XXXX XXXX : Fixed Rate TransUnion : No status listed Late Payment Status : XXXX : Was 90 Days Late XXXX Times XXXX : No late payments listed TransUnion : No late payments listed These discrepancies indicate that the information being reported is inaccurate, inconsistent, and violates my rights under federal law. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must report accurate information to credit reporting agencies. The conflicting reporting of the last active dates, account statuses, and late payment history across the three credit bureaus is a clear violation of this provision. Additionally, 15 U.S.C. 1681e ( b ) requires credit bureaus to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The current discrepancies indicate non-compliance with this requirement.

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The inaccurate reporting of this account as being in collections or government claim or terminated for default, especially when there is no consistency across the bureaus, may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt.

Request for Immediate Action : In light of these violations, I am requesting the immediate removal of the US Dept of EdXXXX account XXXX XXXX from my credit report with all three credit bureaus. I also request that you provide me with an updated copy of my credit report reflecting these corrections.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of this year, I notified Experian through Mail Communications about an Authorized User Account being reported to my consumer Report that does not belong to me, which has damaged my reputation. I, The consumer never gave Experian any Authorization to Report this Account & I attached an FTC report to the Letter as evidence of fraud.

Despite this, through Email Communications, Experian Illegally Declined my Request to Block and remove this Account on XX/XX/XXXX without providing any proof of investigation. I warned them that their actions would lead me to file a report via the CFPB. XXXX month later & they have failed to comply with federal law and is still reporting the same fraudulent account, causing further damage. 

Their negligence has caused me stress, XXXX, and hardship, and is eroding my trust in the Banking/Credit system.
Product: Credit reporting or other personal consumer reports

Account number XXXX Credit limit {$500.00} Open/closed Open Date opened XX/XX/XXXX Account type Credit card This account is not being reported to Equifax or XXXX Account number XXXX Credit limit {$8200.00} Open/closed Open Date opened XX/XX/XXXX Account type credit card This account is not being reported to Equifax or XXXX Account number XXXX Credit limit {$21000.00} Open/closed Open Date opened XX/XX/XXXX Account type Credit Card This account is not being reported to Equifax or XXXX Account number XXXX Credit limit {$20000.00} Open/closed Open Date opened XXXX XXXX, XXXX Account type Charge Card
Product: Credit card

In XXXX of XXXX I paid my XXXX income taxes with my Southwest Airlines Chase Credit Card. The payment for {$1800.00} was rejected by the IRS. I was credited {$320.00}. I was unaware that the remaining {$1500.00} was unpaid/rejected by the IRS until I contacted the IRS with a question about a different topic. 

I paid my Southwest bill as agreed for this charge, unaware that my payment hadn't gone through. I received a late charge from the IRS for over a hundred dollars not including the {$50.00} fee required to pay taxes with a credit card. I provided a letter to Chase/Southwest directly from the IRS with very specific information indicating the total charge of {$1800.00} was never processed. 

Each time I contact the credit card company a have basically gotten one of the three following responses that are not applicable ( or don't make sense ) : 1. Dispute exceeds dispute time limit, ( My intention was never to dispute the charge. The IRS rejected it ).

2. " We never touched the money ''. ( Not understood/applicable ) 3. " You need to submit clear information in another dispute ''. ( This was done by me as well as a rep from my local Chase bank. Nothing exists that is more clear than the letter I provided from the IRS )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted on several occasions working with the credit bureaus and creditor to resolve late payments for both vehicles with XXXX XXXX XXXX. I have paid 2 payments at the same time on several occasions XXXX 3 times XXXX and I requested for Accounts # XXXX and XXXX credit payments for each vehicle in XXXX, XXXX and XXXX. One of the vehicles we recently paid off, I have send them a goodwill letter on 4 different occasions and continue working with the credit bureaus to this date. They have tell me its our fault over and over, they will not take responsibility of their error that affecting me of not receiving an opportunity to purchase a home for my family, please help me get this issue resolved in a timely manner.
Product: Money transfer, virtual currency, or money service

I sold a product to a customer on XX/XX/XXXX and received 2 payment transactions from the customer. XX/XX/XXXX cashapp informed me that the customer filed a dispute with their bank and had took the payments back out of my account.
Product: Checking or savings account

After seeing a bunch of unauthorized charges from a vendor I did not recognize, I reported a fraud claim to my bank, Wells Fargo. After reporting XXXX claim, I noticed I had more unauthorized transactions from same vendor earlier in the year, so I opened a second more detailed claim. Wells Fargo honored the first claim, but determined there was no fraud on the second, even though both are unauthorized charges from same vendor. I need Wells Fargo to honor my XXXX claim is also fraud, as they did my first. Its wrong to ignore fraud. Im out a lot of money and need this refunded back.
Product: Student loan

I made my 120th payment and submitted my employment verification for PSLF. Mohela designated the form as a duplicate instead of processing and beginning the discharge process. Also, my loans were put into forbearance while the form was processing. I have submitted yet another verification, with electronic signature in this instance, and my loans are not put into forbearance. My current eligible payment count stands at 121 with another payment due XX/XX/24. Repeated emails requesting assistance are unanswered and Mohela can not be reached via phone as I do not have hours to wait on hold.
Product: Debt collection

Had a medical bill of {$730.00} from XXXX XXXX hospital in  XXXX, Ga. The bill was sent to collections mid XX/XX/XXXX. The collection agency is called State Collection Service in XXXX Wisconsin. 
I paid off the {$730.00} in XX/XX/XXXX with my HSA. I have the proof in my statements. For some reason, in XX/XX/XXXX, after the bill was already paid in full, XXXX XXXX hospital sent the bill to a SECOND collection agency ( called XXXX XXXX XXXX XXXX. In XXXX, FL. ). This is now on my credit report, negatively affecting my credit, dropping my score quickly. 
I've made numerous calls between the hospital and the collection agency, and no one will listen to me. State Collection Service told me they show where I paid the bill XX/XX/XXXX, but that it's the hospital 's responsibility to fix it, not theirs. XXXX XXXX says they show no record of the bill being paid. They say the Collecting agency needs to report to them that the bill was paid. One keeps sending me back to the other and neither will listen or help. 
While all of this is happening, my credit score continues to suffer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company HireRight has multiple inaccurate criminal background reporting for my records in the state of Connecticut. I have contacted HireRight via phone and email communication starting X/XX/2017. During my contact I established a case # XXXX and request # XXXX. I also at the same time email over a copy of my FBI National Identity History Summary Check and also a CT State Police fingerprint supported background check. Response from the company on XX/XX/XXXX when I reached out again due to no contact from HireRight was the case was closed and they could not dispute the records. Rep spoken to was XXXX XXXX who attempted to contact the supervisor on duty XXXX XXXX but there was no response from any supervisor to handle a customer escalation. Please help me as this inaccurate record would hurt my current Job seeking abilities and is a time sensitive issue. Thank you in advance.
Product: Debt collection

the debt was charged off and sold to a third party collection agency and now is posting on my credit report
Product: Checking or savings account

The bank paid a check that was sent to another company however two days later they reversed the charge the company never received the payment I was charged an insufficient funds fees despite my direct deposit being in the account
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A registered letter was sent to XXXX XXXX XXXX regarding a collection with XXXX services requesting that this collection agency validate that I owe this debt. The validation request letter was done around XX/XX/2016 requesting documents showing my signature on this XXXX account that they are trying to collect. 

Received a response from XXXX XXXX XXXX that the account was closed and I do not owe this debt.On XX/XX/2016 Diversified Consultants, Inc. reopened this collection right after it was closed from XXXX XXXX XXXX on XXXX/XXXX/2016 restating that this collection with XXXX was reopened ( Opened ) requesting payment of this balance of {$390.00}, of which the balance has increased from the original balance of {$380.00}. Being that XXXX XXXX XXXX could not validate this debt, of which I do not owe nor does this bill belong to me, this new collection agency has reopened this collection immediately after the closing from XXXX XXXX XXXX. 

First of all, I do not own this debt, second, it is not my account and third, this reopening of this collection has directly affected my ability to purchase a home. It has placed a negative image of my credit worthiness on all XXXX credit reports and has stopped me from purchasing a home which had a direct decrease of my credit score. I had been pre-approved for a mortgage in XX/XX/XXXX and now it has been denied due to my credit score, which resulted from Diversified Consultants, Inc. reopening this collection of which again I state that I do not owe nor do I own this collection. 

Thank you.
Product: Mortgage

I have filled a number of complaints about this company and the way that my mortgage has been handled. Most recently I filled a complaint stating that the bank was asking me to provide information that we had already provided and or information that was not relevant to my request to short sell my home. I received a response from Wells stating that they did in fact find errors in the way that my account was handled and that they were asking for things that were not needed. Also they approved my request for a short same right away after they admitted that mistakes were made. I am not sure that they reviewed the entire 23 months of my short sale process so far, or only the recent months. I want confirmation hat the entire time frame was reviewed because we have been going through this, and having the same problems this entire time! The customer service and the staff knowledge at Wells Fargo is horrible! 
I called to address this with Wells Fargo and explained that if they made mistakes on my mortgage and that it caused me to fall even further past due then they needed to fix the reporting as they were at fault for the time frame that this has been taking. The individual that I spoke to claimed that the entire time frame was reviewed but I have a very hard time believing this given their track record. She also told me " you have not made a payment for 22 months ''. Why yes ... I have not paid for 22 months because I have been trying to short sell my house and I can not make a payment while trying to sell my house! She assured me that she would review this and would reach out to me with her " findings ''. Shortly thereafter I get a letter in the mail ( attached ) stating that they were not going to change the way that the account was reported. 
I find it so sad that this bank can just mishandle accounts and not have any accountability for their actions. If my account was handled confidently and in a timely fashion I would not be this far past due. We probably could have had this completed MONTH if not YEARS ago!!! I know that Wells Fargo is known for opening checking accounts without the customer 's knowledge but it appears we should add " ruin customers financial futures for the fun of it '' and of course not hold you accountable. That sounds about right. Shame on you!
Product: Credit reporting or other personal consumer reports

These is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX  XXXX XXXX, NJ XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX NJ XXXX XXXX Balance : {$160.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the following fraudulent accounts from my credit report. I have been a victim of identity theft due to a data breach, and I did not authorize or open these accounts. As such, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these accounts blocked and deleted from my credit file. 
Fraudulent Accounts : XXXX. Creditor Name : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$1100.00} XXXX. Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Balance : {$0.00} XXXX. Creditor Name : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$320.00}
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was shocked to find accounts that shouldnt be there, and I cant figure out how this happened. I always review my credit report carefully, but today, these inaccuracies appeared out of nowhere. I refreshed my browser several times, hoping it was a simple glitch, but the errors didnt go away. Im feeling lost and desperate, and Im asking for the documents Ive provided to be reviewed carefully to ensure this never happens again.
Product: Debt collection

I am not liable nor do I have any ties to the company National Credit XXXX XXXX. I have asked for Orignal application and the have not provided it to me. I have been harrassed by this company through phones calls. 

They have violated my rights according to 15 U. S. Code 1681 section 602 A. States i have a right to privacy.

They have harraseb me by calling from different phone numbers. According to 15U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Debt collection

I called and spoke with representatives on XX/XX/XXXX, and asked for a forward flow agreement, a chain of assignment and I asked for the USC 19 TITLE of any reporting medical to FCRA after XX/XX/XXXX, not to be reported and removed to credit bureaus. 

XXXX & XXXX XXXX XXXX reported XX/XX/XXXX {$1200.00} Open balance Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX. XXXX XXXX Last reported XX/XX/XXXX {$92.00} Open balance Original creditor : XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX ( 5 yrs, 9 mos ) XXXXXXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$120.00} Open balance Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXXXXXX XXXX Last reported XX/XX/XXXX {$170.00} Open balance Original creditor : XXXX XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX. KANSAS XXXX XXXX Last reported XX/XX/XXXX {$360.00} Open balance Original creditor : XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXXXXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$210.00} Open balance Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos XXXX XXXX XXXX XXXX XXXX, Last reported XX/XX/XXXX {$190.00} Open balance Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX {$550.00} Open balance Original creditor : XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX {$2700.00} Open balance Original creditor : XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos )
Product: Debt collection

XXXX sold my information to a Debt agency and I was never given notice of them doing it. I've called XXXX numerous times letting them know that when I called to canceled service there representative told me that there was no balance due and the service was canceled and closed. I know go on my credit report and have a company that I know nothing about and I never gave them my information reporting a negative impact towards my credit. I knew nothing about this debt nor was I even given a chance to dispute it.
Product: Credit reporting or other personal consumer reports

This is my 8th endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am urgently contacting you regarding the incorrect late payment entries on my credit report. Despite my numerous efforts to resolve this issue, I have faced persistent obstacles and delays from your organization. Your negligence in addressing this matter has had significant consequences for my financial status and overall welfare. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$10000.00XXXX XXXX XXXX XXXX XXXX Balance : {$630.00}