23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/XXXX ; Amount of {$310.00} to XXXX XXXX was frauduantly debited to my Key Bank account.I originally reported the charge on XX/XX/XXXX. I I was given a provisional credit of {$310.00} and was instructed to allow approx 10 days for investigation, but that it could take 90 days. Never received any correspondence either email or regular mail regarding the dispute and /or the reason for the denial. Although I have suspicisouly received all other correspondence as it relates to my checking account. I followed back up with Key Bank on the day it was charged back to my account-XXXX XXXX. Was originally adivised this was for a room reservation, which I didn't have. I confirmed that with the XXXX XXXX directly that they showed no reservation in my name. I carried my debit card for Emergency use only as I have had my card hacked more than a few time with Key Bank. The only response I was given from Customer Service was " conflicting information '' with the specific details. I then asked for a dispute to be reopened which never happened, until I called them a second time to find the status of the dispute ( that was never reopened by Key Bank as requested ). I then spoke with ANOTHER Key Bank Rep regarding the dispute and it was stated a dispute was not opened at this point, but that he would open a new dispute, but that I would be required to send an email to the dispute center which I also did on XX/XX/XXXX ( which to this date has not been responded to either ). This was when I requested to speak with a manager and was FINALLY forwarded to someone in the Executive Office that I was sure was going to have this resolved. On XX/XX/XXXX I received a call from XXXX from that office that advised I would receiving a call within 48 hrs from a caseworker that would be assigned to my case. on XX/XX/XXXX I received a call from XXXX who stated that she was following up with the original caseworker and she would review it and I could expect to hear back from her either that afternoon or no later than the next day XX/XX/XXXX. On XX/XX/XXXX I still had not heard back from her and called the Executive office again and was told she was busy, but she would return my call. I called everyday following and told the same thing-she was busy, but she would call me back. FINALLY, on Friday very late afternoon-she called back and stated she still had no information and the case was still being reviewed and that it could take another 90days to review as it was filed as a new dispute instead of the original dispute which was never resolved. This is reprehensible that a long time customer should have to go through something like this to get their money rightfully refunded and the cyberthief, or whomever took the money from my account just walks away.
Product: Credit reporting or other personal consumer reports

MY XXXX HAS A COLLECTION ON FILE UNDER MY SOCIAL SECURITY NUMBER. I ASK THAT THEY STOP REPORTING FALSE INFORMATION. AND THAT IT BE DELETED AND UPDATED. I DON'T HAVE ANY COLLECTIONS. AND THEY ALSO HAVE THE WRONG SCORE, I ASK, THAT TOO, BE UPDATED.
Product: Mortgage

After receiving a summons for foreclosure in XX/XX/XXXX I completed the answers within 2 weeks of receiving the summons and had this turned in by the deadline date. I also sent in a request for a settlement conference to be scheduled within the provided deadline. Once that was completed my husband and I contacted the XXXX XXXX XXXX XXXX ( XXXX ) for additional assistance. While working with the XXXX they were able to help me complete my loss mitigation package which was provided to the lender and the lenders attorney on XX/XX/XXXX. Since XX/XX/XXXX I have not received anything in the writing from the lender regarding that package. A lady by the name of XXXX XXXX will call both myself and my husband during business hours when we are not available. My husband and I have both returned her calls and left voicemails of when is the best time to reach us and she will never call during these times. Every time we call her it goes straight to her voicemail, which we then leave a message letting her know when to contact us. The only thing we have received in writing since the loss mitigation package was completed are letters simply stating that XXXX XXXX is our point of contact. I have now been assigned an attorney ( XXXX XXXX ) through the XXXX who has confirmed that the settlement conference has not yet been scheduled and that written contact has not been made and he will now be an appearance on my behalf.
Product: Credit reporting or other personal consumer reports

As a victim of identity theft, I am submitting my another request to have the information related to the alleged identity theft removed from my credit file. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), Credit Bureaus are obligated to remove any disputed items no later than four business days after the receipt of my initial letter, dated XX/XX/XXXX. I have previously included this report in a prior letter, and I am resubmitting it for reference. Moreover, I have noticed that certain accounts in the provided information are unfamiliar to me and have already been removed by other credit bureaus. Consequently, I am skeptical about their accuracy. Therefore, I request a thorough examination and removal of the disputed accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/20, I submitted a complaint to the identity theft.gov/consumer regarding the inaccurate information on my credit report. This has been the result of identity theft and has caused XXXX XXXX and turmoil for my family and myself. I would like this to be removed within 7 days from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contact Equifax to dispute information regarding a charge off account from XXXX. Of course the account came back verified but, they didn't return with anything that I requested for a complete comprehensive investigation. Equifax is required to conduct a reasonable investigation. Why is XXXX appearing on my credit report twice with the exact same account number except what the creditor did was change the information dates. If my account was Charged off on XX/XX/XXXX then how can I be showing late 20 times in XXXX, 12 times XXXX, 3 times in XXXX? That's in 1 account they falsely put on my report and updated it as of XX/XX/XXXX. Then on XX/XX/XXXX Equifax allowed them to indicate me 0 times late XXXX, 0 times late XXXX, 1 times late XXXX. I was able to do a side by side comparison between all three credit reports. Equifax has enlisted the egregious, and purposeful information placed on their site to personally injure me and my person, reputation. I demand that this information be deleted. The information isn't consistent across all three agencies. There is one other account that Equifax has placed on my report twice XXXX XXXX. And this information is also, inconsistent across the credit agencies.
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company XXXX XXXX XXXXXXXX and XXXX as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 5 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Student loan

I am trying to login into my account and its telling me its not active! I am trying to get my reimbursement from the settlement with Navient!! Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXXXXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX XXXX  XXXX Balance : {$17000.00}.
Product: Debt collection

XXXX XXXX, I contacted XXXX to start a new homeowners policy with the company. We had to go through the process 3 times before the quote had generated properly ( The first generated a policy with an old rental address -- XXXX XXXX ). I was assured the XXXX incorrect policies were canceled/closed. I completed the signing on the correct policy ONLY. 

Early this month, I contacted my insurance agent with concern as my XXXX dashboard listed the closed XXXX as " paid in full. '' He reported to me that XXXX with incorrect details ( but for my address ) was still open and he closed it ; he assured me the other was closed as well ( XXXX XXXX ). 

On XXXX  XX/XX/XXXX, I received my monthly mortgage bill which reflected XXXX outgoing XXXX  insurance payments. XXXX on XX/XX/XXXX for an address ( XXXX XXXX ) I do not own/did not sign paperwork on/and is in NO way connected to my mortgage. The other payment was made XXXX for my actual property. 

I then called XXXX ( XXXX in XXXX ) who reported they caught the problem and cut a refund check and sent it to XXXX Rainsong -- I DO NOT OWN that property and have no idea who does. The agent reported he would cancel the check ; another would be issued in XXXX hours and sent to my home within XXXX days. 

I called my XXXX agent to confirm what the other man said. My agent was unable to see any of the above details ( check sent to XXXX ; cancelled ; reissued ), and asked me to call again in the morning. 

I also called Carrington Mortgage to inquire why they would take money out of an escrow account for this/my property to pay a bill for an unrelated property. I was told it was an error on their part that should not have happened. 

To summarize : XXXX sent an unauthorized/unsigned request for payment to Carrington after multiple associates assured me it was cancelled/closed ; Carrington processed a XXXX  insurance payment request for an property unassociated with the escrow account ; XXXX caught their mistake but issued the refund to an unrelated address though my car and home insurance show that is not where I live ; No party, at any time, made me aware of the situation on any level. 

I have spent several hours at this point to straighten out a matter that was not my doing but was carried out by parties who were negligent in their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account XXXX professional debt, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions in accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions XXXX  XXXX is reporting late payments and I did not complete these payments late as I reported that card as lost and stolen it was fraud. late payment dates XXXX, XX/XX/22, XX/XX/22, XX/XX/22
Product: Mortgage

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company is currently showing 30 days late XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit card or prepaid card

on XX/XX/18, i made a charge on my credit card payable to the state of ca department of motor vehicles. around this time my credit card company notified me of potential fraudulent charges on the card. they contacted my wife and asked about recent charges. at the time she did not recognize the dmv charge and when questioned by citibank along with other charges. she was told that in the event the charge was legitimate, we can have them reprocess the charge. the charge made on the credit card was a dmv vehicle registration renewal. we later called and notified citibank that the charge was legitimate and had them reprocess that claim. on XX/XX/18, i receive a letter from the dmv that the charge was credited back to my citibank account and now owe the sum of {$200.00}. on XX/XX/18, i went to my local dmv to try to resolve the matter. i showed them the initial charge of {$200.00}, the reversal, and the reinstated charge. according to the dmv, they would not be able to accept my records as a form of payment and needed to pay either by check or cash since my credit card initially defaulted. so in order for me walk out with a valid vehicle registration, i would need to pay again in the form of a check. at this point i called citibank to reverse the charge made to the dmv but can not do so because dmv must do it. its been almost 6 months and i still have no resolution. I've contacted supervisors at citbank with no such luck. essentially my issue is i paid twice for my vehicle registration renewal.
Product: Debt collection

Collection added to XXXX credit report that does not belong to me. Rental Debt from 2022 National Credit System Original Debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Belongs to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated, but how is that possible when they didn't do a proper investigation. This is grounds for removal. 

They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy 15.U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I did not give anybody written instructions.
Product: Debt collection

my name is XXXX XXXX on XX/XX/XXXX i sent out a notice to XXXX XXXX XXXX XXXX indicating that they STOP there billing of XXXX for alleged tax reduction they reduced on my behalf which i had not contracted with them, so i sent them a notice and i stated for them to rescind and STOP this action toward me XXXX XXXX otherwise i would be contacting the attorney general office and the proper authority regrading this matter i also stated that i would be sending this notice USPS certified return receipt with tracking number XXXX XXXX XXXX XXXX XXXX and for XXXX XXXX XXXX XXXX TO contact me within 7 days of receipt if they had and problems with what i stated via USPS certified mail well i had had not received no correspondence as of the allotted time. 
Now Comes XX/XX/XXXX three years after the fact. I XXXX XXXX received a letter from Law Offices of Stern & Stern, P.C. 
XXXX XXXX XXXX XXXX, New York XXXX DCA # XXXX ] Alleging i owe a debt to them on behalf now XXXX. WHICH i have never heard of or XXXX XXXX XXXX XXXX i addressed the letter to XXXX  XXXX XXXX WHICH i stated i resolved this matter with XXXX XXXX XXXX XXXX SNICE i never heard back from them as we know in Law silence is equal to acquiescence and would provide them with the documents this NOTICE WAS SENT OUT XXXX XXXX i stated to Law Offices of Stern & Stern, P.C and i ask them to please answer the following Questions:1-Is it true that you are a collection Agency DBA STERN & STERN P.C . ? Yes or No? 

2-Is it true that you have a vested interest in collecting this alleged debt? Yes or No? 

3-Is it true that STERN & STERN P.C. a collection agency and is not a holder in due course of this alleged contract? Yes or No? 

4-Is it true that STERN & STERN P.C. Collection Agency has purchased this alleged debt from XXXX XXXX XXXX XXXX and are asking for my consent to collect money to benefit your agency? Yes or No? 

5-Is it true that XXXX XXXX XXXX XXXX have charge off this account? Yes or No? 
You are advised that I XXXX XXXX demand you to respond to all questions and return your answer in writing, within 10 days of receipt of this notice. I will be sending you a copy marked # 2 therefore return the second mark with a circle in your answers and signed by your agent. 
This notice will be sent USPS certified mail return receipt tracking number [ XXXX XXXX XXXX XXXX XXXX ] marked # 2 return circled and signed. 
i did not hear from them and now i come home on XX/XX/2020 i find papers on the floor stating they filed in XXXX county an alleged suit on XX/XX/2020 and i have 30 days to respond when if fact they never respond to my NOTICE AND DEMAND TO STOP THIS SCAM. I AM DEMANDING THE STOP AND DESIST IMMEDIATELY. I XXXX XXXX will upload all correspondences to you at cfpb thank you for your help.
Product: Debt collection

I recently opened up a XXXX  credit check account to find out I have a medical bill I never took? 


Account info Account name GRANT MERCANTILE AGENCY Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1300.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1100.00} Highest balance - Terms 1 Months On record until XX/XX/XXXXXXXX XXXX
Product: Debt collection

Was a customer with XXXX XXXX XXXX XXXX from XXXX to XX/XX/XXXX. Due to job relocation to another state, I had to return equipment and stop cable services in XX/XX/XXXX. I called and asked that service be stopped in XXXX and was assured it was done. A month later I was billed for services after the cancellation and equipment. I called and was told that equipment was received but billed in error for services after the cancellation {$270.00} and was assured it will be corrected. Around XX/XX/XXXX, they sent it to collections, I called again and it was removed and told errors have been fixed. Fast forward to XX/XX/XXXX, I notice a collection report on my credit from AFNI. I didn't receive any notice. Called to resolve and was told that they are just acting on behalf of XXXX XXXX XXXX. Attempts to resolve have been futile. I called XXXX XXXX XXXX and they say I do not have any account or balance with them yet AFNI claims I owe them. This has caused over 70 points drop on my credit score since they reported. I have disputed with the credit bureaus but AFNI still insist that I owe. I have requested proof of the debt but they haven't provided it.