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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am not sure what bill is this, why this bill is not submitted to my insurance provider. For all the emergency services provided on XX/XX/2024, I already paid the deductible to my insurance company. I need an answer for this XXXX. I am attaching the debt collection notice. Did the company who sent for collection tried to collect that bill from my insurance of not I am not liable to pay this bill.
Product: Debt collection

COLUMBIA DEBT RECOVERY LLC DBA GENESIS Biggest complaint is receiving a call after XXXX on XXXX. Calls numerous times daily from different phone numbers even though Ive refused contact with them. Same name XXXX XXXX with different phone numbers leaving voicemails. 

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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality. 

15 U.S.C. 1681 A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A 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

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX  Account Number : XXXX Delete this account. 
5. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told I 'd be sent a credit balance refund for over XXXX XXXX dollars from XXXX. After letting them know I never received this, I received a call today alerting me that the check was cashed and because it was cashed there was nothing further they can do. XXXX was in possession of documents that I was a victim in identity theft cases and failed to properly handle this. Not only will they not reissue the check, they 're showing my balance positive for just under {$700.00} and marking me late on my credit bureau. 


I want the proper refund minus my current account balance and for my credit bureau to be properly adjusted and to never have to deal with barclays again. Their business tactics have been disgusting and appalling XXXX is taking what I deem to be illegal methods by completely ignoring that an active fraud case was pending while this took place. I sent bank statements in a timely manner to the office of the president and they ignored my query
Product: Checking or savings account

On XX/XX/XXXX, I mailed a check to Capital One for {$780.00} to be deposited into my Capital One checking account ending in XXXX ( USPS Tracking number : XXXX ). On XX/XX/XXXX, I received an email confirmation of the deposit, but the funds were never reflected in my account. 

On XX/XX/XXXX at XXXXXXXX XXXX I contacted Capital One customer service. The agent informed me that the check would be returned to my address on file due to a name mismatch. 

As of XX/XX/XXXX, I have not received the returned check, and the funds remain unavailable.
Product: Student loan

I became XXXX after receiving my students loans. I applied for forgiveness based on XXXX, I was denied when I should have been approved back in XXXX. I got them all of the documents they requested and even though I fell within what they told me, they denied me. So I applied for a XXXX  repayment consolidation loan after being denied the XXXX forgiveness. During the process of the XXXX  consolidation loan through Navient, one of my loans was missed. I kept putting it into deferment/forbearance until I could get the situation resolved. So it went into default when it should have been included. I called Navient to explain that I needed the XXXX   repayment consolidation loan redone with my loan that was missed when I noticed the error in XXXX. The person I spoke with on the phone was rude and not helpful. She blamed me for not notifying them within 30 days of the error. No help whatsoever so I put my loans into deferment/forebearance until the error could be corrected. No one has been helpful at Navient or XXXX XXXX XXXX  XXXX  about this issues. So now my loans are in default with the Department of Ed, and Department of Treasury. I found your sight and the lawsuit against Navient and believe I fall into this category. Department of Treasure now wants me to go into a loan rehabilitation programs. The problem with this is, my timeline for forgiveness in the XXXX   repayment has disappeared and my interest has accumulated since XXXX when it was an error on this part. I believe I would be a fabulous candidate to be included in the lawsuit that is currently pending. I need this to be fixed ASAP. 

I have been lied to and mislead by these people. Navient, XXXX, and XXXX XXXX. Had they of dealt with it in XXXX and XXXX we would not be in this position now. I'm tired of getting the runaround no matter what I do. Once person says one thing, and another says something completely different. Which is exactly why the lawsuit has been filed. I really think I should be covered by that lawsuit but I am trying this because I get a different answer everywhere I turn to try to correct this! This also needs to include multiple schools in where I was attending. As well as include XXXX XXXX XXXX XXXX and XXXX but it would not let me include multiple names/schools.
Product: Credit card or prepaid card

I have called the credit card company on XXXX/XXXX/XXXX and filed a dispute for a charge on my statement for the amount of {$130.00}. A temporary credit for the amount was received on the same day. 

On XXXX/XXXX/XXXX I noticed the credit has been reversed on XXXX/XXXX/XXXX implying that an investigation has been resolved against me. I called the dispute department and was told that they will email me to the record on file and send a physical letter to my address to properly advise me how to continue. 

He had also advised me to review the rebuttal letter they have received from the merchant online and I did. 

On XXXX/XXXX/XXXX I called the dispute department again since no email or letter has been received. The female agent I spoke to said she will ask them to send the letter again. I asked her if there was a limitation on time she said the deadline is XXXX/XXXX/XXXX and I should have plenty of time to respond. 

I asked if the letter can be sent to me by email she said yes. 

On XXXX/XXXX/XXXX I called the dispute department again to verify the email address on fie since nothing was received since my last call. 

I spoke to another female representative who told me for the first time the deadline to submit additional document for continuation was XXXX XXXX, XXXX XXXX 3 days before I 've learned about the credit reversal XXXX there was nothing they can do to continue the dispute. 

I did not feel that they have treated me fairly as an individual consumer. The merchant has distorted the story but I did not get a chance to state my side of the story.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : DELETIONS TO CREDIT REPORT To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Item # XXXXXXXX XXXXExperian XXXX XXXX Account XXXX XXXX Reason for Deletion : Omitting information, such as Original creditor, company sold, balance, monthly payment, past due amount, highest balance, terms, and your statement. Status should be Paid in Full and account deleted from credit profile.
Product: Credit reporting or other personal consumer reports

In order to REMIND the Experian and XXXX Credit Bureaus that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that Experian and XXXX BUREAUS MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am new to credit and noticed inquiries that are not mine. I also see a credit card account that says I am an authorized user that I know is not mine. Please have these items removed immediately. 

The inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Limit There is a name on my report that has me also know as XXXX XXXX XXXX. Please remove, that is not my name.
Product: Student loan

Yesterday XX/XX/XXXX18 I tried to apply for an income based repayment plan. I went to student loans.gov. However the link to IRS did not work. I seem to remember this was a problem last year. I this still a problem? I was able to upload information to my to Navient as a paper application.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan with this company on XXXXThere was an error the company can see where while I have signed a contract on my side it was not signed in their system. The loan never funded and they verified this. A ticket was put in. I asked for a copy of the ticket and was told I could not have it. I have asked for this to be resolved and was told that it would be cancelled. I keep calling for updates and no one can provide me with information. I keep getting told I have to wait but they intend to pull their payment when it is due. No one will call be back or give me the information I have requested. I need a copy of the ticket and am being denied.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Transunion Consumer Dispute Center XXXX XXXX XXXX XXXX PA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX. XXXX Account # : XXXX Amount : {$13000.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX, XXXX Amount : {$840.00} XXXX XXXX Account # XXXX Amount : {$220.00} XXXX XXXX XXXX Account # : XXXX Amount : {$7600.00} XXXX Account # XXXX Amount : {$0.00} XXXX. XXXX Account # : XXXX Amount : {$810.00} I do not have a contract with this company and I don't owe the debt, please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim, such as Letter, Driver 's License and Social Security Card.

Please ensure that these documents are taken into account during your investigation. 
According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe.

If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as to notify all parties who received my credit report in the past six months.

I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous letter dated XX/XX/XXXX, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on XXXX XXXX XXXX XXXX - XXXX - This is paid as agreed and should not be reporting negatively on my report.To date, I have not received confirmation of the correction nor observed any changes in my credit report. 

Date of reported late payment : XX/XX/XXXX/ XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON or around XXXX I saw lot of preapprovals on credit karma for credit karma, at first, I didn't pay any attention to it but i kept receiving preapproved for credit cards which i then applied for but once I applied for a credit card through credit karma. Once I applied, around 2021, I was then denied. I was distraught and angry. I felt deceived and I was told but credit karma that I was preapproved, and this was a lie. Now every time i see approvals I immediately close my phone and I dont want to check my credit as often as I was before due to the fact credit karma lied to me by telling me I was preapproved. I can no longer trust any preapproved information being sent to me.
Product: Checking or savings account

On XXXX a fraudulent charge was made on my US bank debit card. I noticed the charge and called card services. The money was temporarily deposited back. 
XXXX I received a letter from card member services that the charge would be allowed and would be taken out of my account on the XXXX. I called on XXXX and was told to wait for a return call. Received a return call on XXXX, was told they allowed it because they had my contact info, I tried to explain my information had been stolen through a fraudulent website, the call cut off. I tried calling back several times finally left a voicemail. XXXX I called again was told it was still pending and wait for a return call, did not receive a return call and the money was taken out of my account on XXXX. XXXX I called again to try to speak with someone else, was transferred to 3 different people. Result of that call was for me to wait for a return call from someone else. Im just getting the run around and no help at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to make a complaint against Midwest Recovery Systems, XXXX with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX which had a 1st delinquency reported on XX/XX/XXXX with an alleged balance as of XX/XX/XXXX of {$1900.00} and the original creditor was XXXX XXXX. This account needs deleted under title 15 u.s.c. 1681 ( i ) since they have violated the FCRA and FDCPA according to the following codes. The Kansas statute is K.S.A. 60-511 ( 1 ) Actions Limited to Five Years and K.S.A. 60-512 ( 1 ) Actions Limited to Three years for the collection agencies. Statute of limitations was up on this account on XX/XX/XXXX which was five years from the first date of delinquency and Midwest Recovery has now violated the FCRA and FDCPA and the following violations : 1. Creditors or collection agencies if they try and re-age the account violates FCRA Section 605 ( c ) Running of the reporting period and re-aging the account by re-aging the account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer and this a fine of {$1000.00}. 
2. Creditors if they report your credit history inaccurately and the fine is extent of damages incurred by the wronged party as deemed by the courts. US Court of appeals, XXXX circuit, NO. XXXX, XXXX vs. XXXX XXXX. 
3. Midwest Recovery Systems also violated Protection under the FDCPA because misrepresentations by the collector about themselves or the debt are actionable regardless of intent and the following case law of XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) support this. This is also a fine of {$1000.00}. 
4. Midwest Recovery Systems also violated FDCPA Section 809 ( b ) because they have never validated the debt I have disputed after the date of XX/XX/XXXX and this is a fine of {$1000.00}. 
6. Midwest Recovery Systems also violated FDCPA Section 806 because the collection agency can not use any kind of harassment or abuse and he has abused me and my credit by reporting negative and inaccurate information on my credit report and this is also another {$1000.00} fine. 
7. Collection agencies if they do not validate your debt yet continue to pursue collection activity and this is a violation of FDCPA Section 809 ( b ) and a {$1000.00} fine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent this company multiple dispute, letters with proof of XXXX XXXX, requesting for the removal of a repossession remark on my credit report that started from XX/XX/2015. My dispute have been ignored multiple occasions I have proof and this repossession thats over seven years on my credit report is truly affecting my life and even with proof, my disputes are being ignored. I have been denied multiple times for vehicles because they say that the repossession is on my credit report, which is a violation because its over seven years from the time the repossession was on my credit, I will be attaching the letter from XXXX XXXX because after I made a complaint with them the cfpb they sent a letter requesting for the removal of the repossession on my credit report, and it is still there. I need this removed immediately as my rights are being violated. I will be attaching the proofs of the letters I sent and also a letter from XXXX XXXX that they submit it directly to the CFPB website in response to my complaint.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noted items on my report that are fraudulent accosts and inquiries. I have filed a Theft report with the FTC and have it attached. Please remove the following fraudulent accounts from my credit report. 
XXXX XXXX XXXX XXXX XXXX, in the amount of {$2000.00} XXXX XXXX XXXX XXXX XXXX, in the amount of {$1100.00} XXXX XXXX XXXX XXXX XXXX, in the amount of {$660.00} The following inquiries are included in the fraudulent accounts on my report ; Please remove these also.

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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

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 US DEPT OF EDXXXX XXXX ; US DEPT OF EDXXXX XXXX
Product: Mortgage

My wife and I chose Wells Fargo because they were able to match a great rate to refinance my home mortgage. They are also the current holder of my home mortgage. Throughout the process, I was told repeatedly that the " Other Costs '' associated with my refinance would be waived ( {$0.00} ) because I am already a Wells Fargo customer. This gave them a significant edge over the other lender quotes I received. I received this correspondence multiple times throughout this refinance process ( XX/XX/XXXX, XX/XX/XXXX ). 

Well, it is now time to close ( XX/XX/XXXX ) and those fees are still there. I am now out an appraisal fee and 3 months of correspondence. I have made it known that I will not be going through with the refinance if those fees are included on my loan since the beginning, so this should not be a surprise to anyone I have talked to at Wells Fargo. I am receiving the response of " There is nothing we can do '', which is just not good enough for me. I should not be penalized for incorrect information. I will continue to go through the appropriate channels until I receive and adequate solution.