23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous letters, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

PenFed is a great company and its folks are good as well. However, my account was fraudulently used in XXXX without my knowledge and PenFed blocked those charges and my account, which was all fine. I have ALWAYS been signed up for FULL Statement Balance AutoPay on my cards with PenFed ; I was still charged interest in the last cycle. PenFed has not been able to resolve this system issue on their end. I can not and should not be held accountable for charges that I did not make and also which were actually blocked by PenFed. How can I be assessed interest on balances that I actually owe, when I am enrolled in Full statement balance Automatic Payment? 

Additionally, I had over {$40.00} in rewards before my card number was changed. All those rewards dollars have now disappeared and I have seemingly lost the rewards I had earned on all my spend on the prior card number. Incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX ) balances : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dates : XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX. XX/XX/XXXX, XXXX XX/XX/XXXX. XXXX, XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. 
15 medical bills in total and I can only account for two times iv been to the XXXX. Also they have the name spelled as XXXX XXXX and XXXX XXXX in over half of these medical bills not to mention there addresses listed that iv never lived at. To my knowledge hospitals or places of that sort are not supposed to report anything under the hepa law. These are all listed on my credit score and iv tried contacting these places to tell them it wasn't me and I get no help iv also tried filing disputes through experience with no resolve. 
( XXXXXXXX XXXX ) dates and balances : XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. 
These are also medical balances with the same issue.. this isn't me and without being able to prove that how are you reporting it on my credit history not to mention they shouldn't even be reporting medical history to any agencies of this sort without some kinda permission from said person due to things like this
Product: Credit reporting or other personal consumer reports

ACCT # : XXXX SSN : XXXX XXXX : XXXXXXXX  ID : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX Dear XXXXXXXX XXXX, I recently received a debt collection notice from your office with an account number # XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Mortgage

On the morning of XX/XX/2021, I received a notification from my insurance company ( XXXX XXXX XXXX stating that my mortgage insurance premium had not been paid by my lender Pentagon Federal Credit Union ( PenFed ), from my escrow. I then proceeded to login into my mortgage servicing portal online at PenFed. I saw that a payment was made to a XXXX mortgage insurance policy on XX/XX/2021, in the amount of {$1700.00}. I have never had a XXXX mortgage insurance policy and called PenFed to figure out why my account reflected the wrong policy and why this money had been paid to the wrong account. I was told by PenFed to call XXXX to discover why I had another policy. 

XXXX discovered that the policy that was paid from my escrow account was for an address similar to my own and that they thought this was an error of double payment. XXXX stated that they refunded the money sent to them from my escrow account to that other homeowner. I spoke with another PenFed rep, and they informed me that I had to try to get the refund from XXXX for an account that was not mine and a significant error on their part. I was provided the check number and the dates the erroneous check was sent and cleared from PenFed and asked to provide that information to XXXX in an attempt to fix the situation. I asked why I had to coordinate between both of the companies ' mistakes and why PenFed couldn't take the lead in correcting this problem, to which I was given no sufficient answer. 

On the final call on the evening of XX/XX/2021 to XXXX, their insurance billing team stated that I needed to have PenFed fax them a copy of the erroneous check and that they would investigate it. This completely contradicted the conversation I had hours earlier with a PenFed and XXXX rep at the same time. 

I called PenFed on XX/XX/2021 at XXXX XXXX to request that they fax the check image to XXXX to start the investigation. My account information for the mortgage still reflects the wrong policy number in the PenFed system. Also, I asked how my mortgage insurance policy premium would be paid now that my escrow account would not cover the balance, and it was past due on XX/XX/2021. I was told that PenFed would look into it.
Product: Student loan

I went to predatory school that mislead many of us young XXXX XXXX XXXX to open an unnecessary private loan to stay in school. Upon being accepted, I was told that the federal loans would cover everything but after being there for 4 months, they said we needed a private loan to stay. 

The school has been shut down and sued for their misconduct & all of our federal loans have been forgiven because of this. The application to forgive the private loans were recently denied this past Wednesday, XX/XX/XXXX with very little to no reasoning.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 09 PXXXX XXXX ) XXXX, XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX, EXXXX XXXX XXXX XXXX, XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been reporting my accounts as late even though they are paid in FULL! I will attach copies of my loans that state they are paid in full! I keep emailing them with no response!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer. Natural person. Please review the attachment to see my full complaint.
Product: Credit reporting or other personal consumer reports

fraudulent claims to the CFPB have been reported by the company in response to my complaint. The company stated ( they sent several emails to me with billing statements ) after i accused the company of never sending correspondence to me of the transferred account. Which made it impossible to pay the account because new account number was withheld. So I double and triple checked all my emails all email addresses. Im sure to never received a email after checking my emails. I contacted company asked the representative what was the email they had on file for me? they could not provide it to me, I then requested for receipts of the sent emails to just make sure they were in fact delivered to the correct email address, But they refused provide such information after submitting to CFPB that they did so. Im sure This company has is committing unethical tatics and making false claims to obtain and collect a debt. I am requesting for a proper investigation to be conducted. That it is against the Law to not do under such circumstances. That the company please release and provide the receipts of correspondence they say they have already made to the consumer, such as the emails and letters that was stated I the response Being as though the law requires for it to have been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon notice of derogatory account in the amount of {$550.00} ; I submitted a written complaint to both XXXX  and Orions Management Group from XX/XX/XXXX to XX/XX/XXXX. 

Original Creditor balance show {$0.00}. Orions Management Group reported false information to XXXX to damage my creditworthiness after the purchase of a vehicle stating I owe their collection agency {$550.00} since XX/XX/XXXX. Their actions has a high impact on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was the subject of identity theft and a credit card was opened in my name with XXXX One/Saks Fifth Avenue . Several thousand dollars were charged to the account and I discovered the fraud when I checked my credit report. I filed a police report and communicated with Capital One/Saks Fifth Avenue and the three credit reporting agencies and the fraudulent account was deleted from my credit report in XX/XX/XXXX. I have now discovered that XXXX XXXX filed a derogatory report against me with XXXX in XXXX, almost a year after the fraudulent account was deleted. XXXX has explained to me that Capital One sold the account to Portfolio Recovery AFTER CAPITAL ONE KNEW the account was fraudulent and Portfolio Recovery should have known as well. This has now adversely affected my credit rating and I want the derogatory report removed. XXXX claims it can only do so if Capital One or XXXX XXXX takes action. A copy of the XXXX dispute resolution dated XX/XX/XXXX reflecting the deletion of the fraudulent account is uploaded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute my personal information with all three credit bureaus and I have had no success. There are a number of names, addresses, phone numbers, and employment information on my credit report that are fraudulent. I have contacted all three credit bureaus on XX/XX/2021 and I have not received an investigation result from any of the the credit bureaus. I understand that the credit bureaus have 30 days to provide results of their investigation. Therefore, I would like results immediately.
Product: Checking or savings account

I am writing to express my extreme dissatisfaction with the handling of funds in my business checking account with Chase Bank. I am the owner of a small service business, and the recent experience with Chase has severely hindered my ability to conduct essential business operations. 

On XX/XX/2024, a client made a payment to my business checking account at Chase via credit card for 50 % of the total cost of a service, in accordance with our standard procedure. Subsequently, on XX/XX/2024, the same client made an additional payment using the same payment method, as there was a modification to the initial job request. Both payments were made, and I received confirmation from the client regarding the transactions. ( Payment sent on XXXX : {$1600.00}, XXXX : {$1800.00} ) However, upon checking my business checking account, I found that neither of these payments was reflected as pending or deposited. Concerned about the delay, I contacted Chase Bank, expecting clarification on the usual clearing period for such transactions. To my shock, I was informed by a representative over the phone that the funds would be held for a staggering 120 days. Despite my inquiries, the representative provided no further explanation, merely citing it as the bank 's standard process. 

Determined to resolve this issue, I visited a Chase branch and spoke with a representative in person. To my dismay, even after examining the account, the representative could not identify any reason for the prolonged hold on the funds. He acknowledged that everything appeared normal and expressed confusion as to why such a delay was occurring, especially considering that other business owners who receive payments in a similar manner have not encountered such problems. 

As a small business owner, these withheld funds are critical for procuring materials and initiating work outlined in contractual agreements with clients. The current predicament jeopardizes not only my ability to fulfill contractual obligations promptly but also the overall viability of my business. It is incredibly disheartening to experience such impediments when, in essence, a business checking account is meant to facilitate seamless financial transactions.
Product: Debt collection

I currently have an complaint pending against the company. As stated in my intial complaint. This account settled by my health insurance and i have been writing to each of the credit bureaus about this account since XX/XX/XXXX. I had Insurance! I was covered by my parents policy XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and have held XXXX insurance of which I was covered under up until I was XXXX yrs of age ( XX/XX/XXXX ). I acquired my own insurance in XX/XX/XXXX when i turned XXXX yrs of age.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C.
1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit card

I use the card to take advantage of airline miles. I only have the annual fee charged to the credit card account. It has been set up to automatically pay the annual fee ( {$95.00} this year ) from an external bank on XX/XX/2024 ( this year ) as it has done so for several years without a problem. This year it did not automatically pay as expected and I was assessed a late fee. 

I called them as soon as I noticed the bill hadn't been paid which was XX/XX/XXXX. They said I should have had bill pay set up from the external bank. I told them that was a change to the process I was not aware of. 

XX/XX/XXXX I called them back for more clarification to no avail. They instructed me to set up bill pay on the external bank. I called the external bank and they said I didn't have bill pay set up currently or in the past XXXX years that it had been paid automatically. 

If I'm right and I think I am, I got dinged a late payment fee for no fault of my own.
Product: Debt collection

I recently pulled my credit profile due to covid and I never heard of Holloway credit solutions nore have I ever done business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESSES DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX typeSingle family XXXX XXXX XXXX XXXX XXXX, MD XXXX Resident typeSingle XXXX XXXX XXXX XXXX XXXX XXXX MOBILE, AL XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX typeSingle family XXXX HERITAGE XXXX XXXX XXXX XXXX, FL XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info XXXX have sent all XXXX to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past XXXX months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$320.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$510.00} XXXX XXXX Balance : {$34.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$340.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$440.00}