23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On XXXX/XXXX/2015, I spoke with XXXX XXXX XXXX Collection Supervisor ) of XXXX XXXX XXXX. I was told by him if I were to pay two collection items, XXXX in the amt of {$250.00} each, he would email me a letter of deletion to submit to all 3 bureaus. XXXX told me to send the letter over and the items would be deleted from my credit report. As advised I sent the letters provided to the 3 bureaus, and on XXXX/XXXX/15 I contacted Equifax to find out the status of the deletion. The representative from Equifax advised me that they contacted XXXX XXXX XXXX and they told them to update my report showing on of the XXXX items has a {$0.00} balance and update the other one as having a balance of {$200.00}. When I researched my receipt from XXXX, they XXXX show I paid two payments of {$250.00} which left a {$0.00} balance on the accts paid to XXXX XXXX XXXX. When I explained to the rep at Equifax that the item for {$200.00} to the same company XXXX XXXX XXXX, its a totally different account number, she stated that the rep at XXXX told her it was owed on the acct I previously paid. I then went back to my Equifax Reinvestigation Results dated XXXX/XXXX/2015, and it showed the item in the amount of {$200.00} for XXXX XXXX XXXX was deleted from my account in that investigation. It seems XXXX XXXX XXXX has placed and item that was deleted from my report to an item that I have already paid and have proof it has a {$0.00} balance. On top of this fraudulent activity that has be readded to my credit report under a paid items acct number, XXXX XXXX at XXXX did n't uphold the terms of our agreement, which was to give a full delete of XXXX items paid. I would like this investigated and all XXXX of the items deleted from my bureau as agreed upon by the reporting company XXXX XXXX XXXX Supervisor XXXX XXXX. I have attatched the email receipt from XXXX XXXX XXXX showing the acct was paid in full, my Equifax Reinvestigation Report, showing the item for {$200.00} with a totally different acct number was deleted, My most current credit report showing the {$200.00} was placed under an acct that has already been paid, My XXXX bankstatment showing I paid {$510.00} ( which is {$250.00} XXXX ) to XXXX in XXXX, and also the deletion letter XXXX XXXX provided to me by email after paying the items.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : name and address not 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 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
Product: Debt collection

The XXXX and XXXX Credit Bureau is reporting inaccurate information on PORTFOLIO RECOV ASSOC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my FIG TECH INC - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting

It is several accounts that are incorrect, XXXX XXXX XXXX XXXX ( XXXX XXXX online XXXX ), XXXX ( XXXX ) SERVICES, XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( XXXX,, XXXX XXXX, ( XXXX XXXX XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX XXXX XXXX, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

Capital One, Has not send me a payment back in the amonut of {$270.00} by a XXXX order that was incorrect. Instead capital one had plenty of proof from XXXX and myself for the item sent was incorrect. Capital One sent me an email to contact the seller and mention that the item was wrong. I reached out to the seller and I was blocked from there wats apps account. XXXX XXXX knew it was impossible for me to get this letter from the seller which I called them to let them know. They said that my dispute was not granted in my favor.
Product: Bank account or service

Basically I started an account with bank of America because I really love what there bank has to offer. A week or so later they close my account and tell me to come and pick up my money at a location and still to this day will not give me a reason why or will not allow me to have an account with them
Product: Debt collection

NRA Group! I do not recognize this company. They continuously to call and text. I requested information. They only send me a text for payment to signup for. I made a complaint on XXXX. This company doesnt have a license to practice in Mississippi ! Please remove from my report.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
Original Creditor : 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: Mortgage

I called the automated system in XXXX to make my payment and given a confirmation number. I later discovered on my XXXX statement the payment was not accepted. I called my bank and informed the funds were available but the transaction request was never submitted. I conferenced my bank and Servicemac CSR to resolve the issue and informed the request was submitted twice but Servicemac couldn't provide an account number or proof of submission. I had Servicemac take the payment manually for the second time. This company appears to intentionally process payments incorrectly to charge late fees. XXXX XXXX XXXX XXXX have numerous complaints but the issue is never rectified. I enter the same account each month but it's a hit or miss if the payment is processed properly. This needs to stop. If the automated system is faulty then the payments should be taken manually without a fee.
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 is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify are accurate : XXXX XXXX XXXX {$8000.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$5700.00}, {$18000.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

All inquiries are fraudulent as Ive not apply for anything in the past 3-4 years so all recent inquiries from any company is fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And more
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone with a similar name filed a Bk in 2013 and it is listed on my credit report with XXXX and XXXX. I have never given Lexis Nexis written permission to provide this information to ANY consumer reporting agency. I have wrote the courts and the responded saying that they do not provide any personal information to any credit bureaus. I have reached out to XXXX and XXXX and they both said that Lexis Nexis provided them the information.
Product: Money transfer, virtual currency, or money service

I hope this email finds you well. I appreciate the security measures in place, but my available funds is causing significant inconvenience and i can not withdraw. I would like to bring to your attention to withdraw funds in my PayPal account associated with email address : XXXX I kindly request a thorough review of my account and this is my new account and i already submitted my identity i dont know what was happening to my account. This delay is impacting my ability to meet financial obligations. 

Your prompt attention to this matter is greatly appreciated, and I look forward to a positive resolution. 

Thank you for your understanding and assistance. 

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

Equifax did not provide adequate documentation validating any that any of the accounts or addresses belonged to me. I was emailed an automated email with no proof of any kind. I spoke with representatives via phone and wasnt given any mitging other than being told it was validated. Ive submitted disputes on numerous occasions along with disputes via CFPB just for Equifax to completely disregard my request. I have all emails and phone call records to show the lack of service.
Product: Student loan

Hello, I've attempted to contact Mohela six separate times over the past two months for information related to my student loans, and I've been unable to receive any type of response. I've attempted to call them directly, send them emails, and submit complaints through their online portal at https : //www.mohela.com/DL/common/contactUs.aspx. 

At this point, their inability to respond about serious financial issues feels like gross negligence on their part as a student loan servicer. 

Please contact me at XXXX or XXXX if you would like records of my attempts to contact them. 

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

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off- XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX **** Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off- XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} XXXXXXXX XXXX XXXXXXXX Date XXXX : XX/XX/XXXX Balance : {$63.00} XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} Late/Closed- XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off- XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged offXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$210.00} XXXXXXXX XXXX XXXXXXXX Date XXXX : XX/XX/XXXX Balance : {$63.00} XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} Late/Closed - XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off- XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX **** Date XXXX : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off- XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$210.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX : {$63.00} Late/Open
Product: Credit reporting or other personal consumer reports

An application # XXXX to XXXX XXXX XXXX XXXX was made last year in XXXX. As soon as I saw the hit on my credit report, I contacted XXXX and found out that 1 ) the HELOC address was for a property I no longer owned and 2 ) was from someone who lives in XXXX. XXXX sent a letter on XX/XX/year> stating " We identified that an application was fraudulently submitted to us in your name on XX/XX/year>. As part of our research and remediation process, we will be requesting the credit bureau inquiry ( s ) be removed by the credit reporting agencies. Please allow up to 60 calendar days for your credit report to be updated. Sincerely, XXXX XXXX Equity Loans, XXXX, Monday-Friday : XXXX XXXX XXXX ID XXXX '' It is now a year later and Equifax refuses to remove the fraudulent inquiry from my credit report. Their response to my dispute was essentially tough XXXX : >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXXXXXX The fact is I did not make this inquiry. The fact is XXXX acknowledged the inquiry was fraudulent. The fact is Equifax is intentionally negatively impacting my credit score despite proof the inquiry was made fraudulently. I would like this inquiry removed from my report immediately.
Product: Student loan

FedLoan is not changing my repayment option from Standard to REPAYE. I am unable to afford the monthly Standard loan. This is causing me to be deliquent on my loans
Product: Credit card

On XX/XX/year> I booked a hotel reservation through XXXX for a hotel room using my CapitalOne credit card. This was prepaid rate. Upon arriving at the hotel late night I found the room to be in an uninhabitable condition. It was insect infested, bedsheets unclean with blood on the linens, holes in the flooring with carpeting simply laid over. Very simply put this is what you might expect in a third world country. I immediately went to the front desk and requested a refund. The lady at the front desk said there was nothing she could do as this was a prepaid 3rd party reservation. I immediately departed the room and telephoned XXXX support to demanded a refund however they refused. I disputed with CapitalOne as soon as the charge posted and they made a final decision denying my dispute as of today.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I sent a copy of the FTC complaint, it took some time for the credit bureaus to clarify that they are not obstructing records. I'm providing this complaint to help with formulating a legal response because it is required by FCRA regulation 605b. In the event that you decide not to stop the other items listed below that are responding incorrectly due to fraud. Following are the items that should be deleted from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Resurgent capital services is currently trying to collect a debt from me. My credit report is currently reporting three different days last active. It is actually reporting three different years! 

XXXX XXXX XXXX XXXX XXXX XXXX I know this can not be right! 
The day last active would affect the account would naturally fall off.

Three different years is ridiculous!

I have sent certified letters to Resurgent asking them to remove this account from my credit report.