23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had returned my equipment and cancelled my cable service in XX/XX/XXXX with XXXX XXXX. In XX/XX/XXXX Enhanced Recovery reported a collection for {$120.00}. I was informed it was from a past due and equipment non return. I contacted XXXX XXXX they proceeded to find the equipment. While I dispute the bill as I know I paid in full, I paid XXXX 90.00 and there remains a zero balance on the account. Enhanced Recovery is continuing to report an unpaid collection account for {$120.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$6600.00} Opened XX/XX/year> Your company is currently reporting a negative listing to the three major credit bureaus ( XXXX, Trans Union, and XXXX ) regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate. 
The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing.

Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : Please verify this account belongs to me, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted.
Product: Checking or savings account

On XX/XX/XXXX, I got a refund check of {$2.00} from American Express. Here I quote the words written on the letter : ******************************** What happened Because of a technical error, we didn't issue Membership Rewards points you earned in a timely manner. We apologize for this error and for any confusion it may have caused. 
******************************** No idea what this means asvery limitedinformation was provided. Please give me a detailed explanation of what happened : For example, when I earned points? How many points? and Why those points were not awarded so far? What is the exchange rate of points to cash?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information is being reported and it is all incorrect! 
CREDITOR : CREDIT ACCEPTANCE CORP ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$15000.00} BUREAUS TO DISPUTE : XXXX, XXXX, XXXX CREDITOR : XXXX  XXXX  XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$18000.00} BUREAUS TO DISPUTE : XXXX CREDITOR : XXXX  XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$18000.00} BUREAUS TO DISPUTE : XXXX CREDITOR : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$16000.00} BUREAUS TO DISPUTE : XXXX, XXXX CREDITOR : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$16000.00} BUREAUS TO DISPUTE : XXXX CREDITOR : XXXX XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$1600.00} BUREAUS TO DISPUTE : XXXX, XXXX CREDITOR : XXXX. XXXX, XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE OWED : {$130.00} BUREAUS TO DISPUTE : XXXX
Product: Credit reporting

I have an item from XXXX that was showing as a collection account from t mobile. for XXXX.When I noticed this amount on my credit I contacted XXXX to find out why I have this amount in collections since I currently still have service with XXXX. They advised me it was due to me upgrading my account. I was n't aware of the amount and found it strange to collect on an amount when service is still being rendered by the organization. So I paid the amount in full and wrote to the XXXX in regards to the situation. I received a response from the XXXX on behalf of XXXX as well as a XXXX agent calling me advising that as of XXXX XXXX they requested the collection agency to have this negative information removed from my profile with the CRAs and it would take up to 90 days. It was removed from XXXX and XXXX but still reflecting with Equifax. When I wrote to Equifax they advised me that they are reporting accurate information and it will not be removed. The XXXX agent assured me this would be removed and I have this in writing so I want it removed from my Equifax report. Its almost been a full year since this issue was resolved and I would like to be compensated for my time and stress this has caused due to this issue not being resolved in a timely manner when I sent Equifax this proof in writing. It seems as if they are being discriminatory and just see a XXXX name and say hey leave it on there even with proof she was told this would be removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

1. in accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights. 

2. 15 u.s.c 1681 section 602 a. states ihave te right to privacy. 

3.15 u.s.c 16 section 604 a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX # XXXX
Product: Debt collection

he threatened that a court date had already been set for my case for XX/XX/XXXX on first contact which was on XX/XX/XXXX. Stated i needed to know exact date as I had a new insurance provider at a certain time during this. Asked him to not contact me during work hours and he replied with oh good your working hinting at wage garnishment. He stated i dont understand the laws for fair debit collection.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the F.C.R.A Section 604 ( A ) ( 3 ) 15 U.S Code 1681 ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section 607 ( A ) 15 U.S Code 1681 ( e ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section 15 U.S Code 1666 ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter 30 DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference number- XXXX XXXXXXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.
Product: Debt collection

Since XX/XX/2023 I have received 12 calls from Flagship Credit. The voicemail message states that this call is for " XXXX XXXX '', and further instructs that if the phone number being called does not belong to this individual then one should call the company at XXXX. However, when I tried to call I was unable to reach a live individual despite trying several tactics ( e.g. pressing " 0 '', entering a bogus account number repeatedly, etc. ). I utilized the communication form on the company 's website, flagshipcredit.com/contact-us/, but did not receive a reply. I also emailed the company on XX/XX/2023 to explain the issue and ask for resolution. I also asked for confirmation that the company was removing my number from its database. Instead, I received the same voicemail message from the company on XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

I had closed my account with XXXX due to purchasing a home and moving addresses. XXXX stated over the phone that there was no balance to be paid and my account was in good standing. XXXX then opened up a new account unbeknownst to me, never sent me a bill and closed the account a few month later. According to the debt collection agency who purchased the fake debt, XXXX sent me a letter in XX/XX/XXXX to the old address that I had not lived at for months.
Product: Checking or savings account

On XX/XX/XXXX - XXXX my chase bank digital wallet was accessed by someone other than me, they proceeded to wipe my account for over XXXX grand in 13 different transactions. Chase refused to help with this and denied my claim on XX/XX/XXXX. they are unwilling to help and or retrieve the funds that was depleted from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used AFFIRM to finance the purchase of a cell phone, paid off the balance XX/XX/2022, and the company still has not reported it to my credit bureau, XXXX. I have contacted both XXXX and Affirm but neither has satisfied my request to update the information. The account, XXXX still shows a balance of {$400.00} which should show XXXX, paid in full. Affirm is delinquent in it's obligation to report and keep current consumer 's account status. I have spoken to and written to Affirm with no relief. Following this complaint I will close the account which will adversely affect my credit score but I will take the hit to sever all contact with them.
Product: Credit reporting or other personal consumer reports

I am reaching out and filing this complaint to TRANSUNION to address a concerning matter regarding my credit report, and I appreciate your attention to this issue. 
Recently, I discovered fraudulent accounts on my credit report, prompting me to file an FTC report with the identity theft report number XXXX. Despite taking this action, upon reviewing my credit report, I noticed that these fraudulent accounts continue to be reflected. As a consumer, I place a high level of trust in TRANSUNION to safeguard my personal information and furnish accurate credit reports. Unfortunately, I have observed multiple inaccuracies on my credit report, including discrepancies in balances, dates of late payments, payment status, date of last payment, and violations under FCRA policy. To facilitate the resolution of this matter, I have attached the FTC report, along with a copy of my driver 's license and proof of address. I believe that by working together, we can rectify these inaccuracies and ensure the integrity of my credit profile.
Product: Mortgage

Green Tree Servicing refused to apply additional fund to the principal balance despite their website clearly indicating they will automatically apply such funds. 
XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX I filed a ftc report and police report on some i told them that its was identity theft they refuse to delete off my credit.
Product: Credit reporting 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 XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea who midwest recovery systems are. They pulled my credit report without authorization. Scammers? I do not have bad debt or any collection accounts.
Product: Money transfer, virtual currency, or money service

I had applied for a job ( XXXX XXXX ) where the company was to send me a company check for equipment ..they promptly sent the check via online for mobile deposit only..the next day, it showed posted in my account $ XXXX..posted, not pending! So, then the " accredited vendor '' for the office equipment wants me to XXXX  the the payment before delivery..XXXX & XXXX. {$4000.00} in payments were made..wells Fargo finally stopped the transactions..so, XXXX.I found out XXXX.via email that the check they posted was no good..keep in mind I only had {$700.00} of my own money in my account..why did they post that check without approval..I would not have sent any money if it was only pending..why did they let {$4000.00} go thru? XXXXXXXX XXXX is a fraud..very elaborate scam
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with identity theft on my credit report I have contacted all the creditors and the collection depts and I have sent certified mail to them all well also a ftc report of all the fraudulent activities on my report all the credit bureaus have removed all these items and hard inquiries EXCEPT XXXX they are really giving me a hard time about removing these items off my report Company-XXXX XXXX ATG credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send something to XXXX
Product: Mortgage

The following phone number : XXXX calls me numerous times per day regarding my parent 's home. They are reale state marketers that are trying to get my parents to sell their home. I asked them to place me on the do not call list and they hung up on me. The calls are persistent and of are harassing manner as they call at all hours of the day.
Product: Student loan

With the announcement of the new PSLF Waiver program, I submitted my first PSLF application on XX/XX/XXXX. It was denied on XX/XX/XXXX because my loans were XXXX loans up to XX/XX/XXXX. For that reason, the servicer declined to verify my XXXX years of non-profit employment, but did note that one verification would require a wet signature. 

Assuming that Fed Loan Servicing had not updated its review process to the terms of the waiver, I resubmitted by PSLF application- with wet signatures from all employers- again in XXXX. I also filed a complaint with Student Aid .Gov, and I received a response stating that my servicer would need time to update their review process. I received notification on XX/XX/XXXX, that my second PSLF application was received. 

After waiting 3 months, I call Fed Loan Serving. I received a call back and the agent told me that my second application had been rejected, but that she could not access the file to tell me why. I stated that I had not received a copy of the rejection nor was there a copy of the rejection in my online account. She said she needed to transfer me to a PSLF specialist. I had to hang up because I was at work and I had been on hold for over one hour. After the call, I uploaded complete copies of my payment history for my loans, and I received a form letter XXXX days later stating that my PSLF application was received. This was the same letter I received twice before. 

I have been employed with nonprofits for over 20 years and have made more than XXXX payments towards my loans. I was ill-advised to consolidate my loans to XXXX loans, and now with forgiveness in sight, Ive lost all faith in my services commitment to process my waiver and the Department of Educations oversight of the process. 

Can CFPB help?
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent inquiries and public record listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. DEPT OF ED on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Product: Debt collection

I am unaware of this debt. I was not afforded the opportunity to dispute or access the alleged debt prior to the account being reported to my credit files.If in fact you believe that you gave me proper notification, then please send me a copy of the certified return receipt that bares my name and signature to assure proper notice. If you can not provide me the document I am demanding immediate deletion of this account from my credit files. You are in violation of 12 CFR1006.34 ( A ) ( 1 ) ( I ) ( B ).

Thanks in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX, XXXX FAILED TO REMOVE THIS ACCOUNT AFTER A 47 DAY DISPUTE AND XXXX XXXX XXXX WAS SUPPOSED TO REMOVE FROM BUEAUS.
Product: Prepaid card

Amex gift card gifted to me for {$300.00}. Card has been declined at every store, online and in-store, that Ive tried . 

Amex customer service was of no help, sent me to an outsourced customer service company in XXXX who told me its being declined from my protection and offered no solutions. 

Researched and have seen this is a known issue by many customers who have encountered the same problem. I would just like my funds that Ive been gifted and shouldnt need to jump through hoops and hope/pray that it finally works somewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. Please investigate and remove it from my personal credit file. Thank you. 

( JPMCB CARD XXXX )
Product: Money transfer, virtual currency, or money service

This involves a matter with USAA Federal Savings Bank. My father left financial accounts for me that were substantial, after he died. I only recently found out that an employee at USAA gave away these financial accounts to other people, when they were supposed to deliver them to me. I reported it to USAA and the employee confessed. I asked them to return the funds to me, but I have not received them to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report under hard inquiries, it shows XXXX  ( XXXX XXXX XXXX card ) as of XX/XX/2020.This was suppose to be a soft inquiry and it is under soft inquiry as well.This XXXX should be a soft inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

The vehicle was repressed and now I have the inaccurate Debt amount showing up on my credit report. XXXX XXXX XXXX have knowingly reported inaccurate amount due to the credit bureaus. I also had XXXX XXXX coverage on the vehicle paid off. Once a vehicle is repossessed and sold at Auction dont I suppose to receive partial reimbursement for XXXX XXXX. XXXX XXXX XXXX also has a address listed that I have NEVER LIVED before in my life. I think I could possibly be a victim of identity theft if XXXX XXXX XXXX  have been sending my mail to this address. ALSO XXXX IS REPORTING THE DATE LAST ACTIVE is reported inaccurately to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 item and update it immediately in my report : XXXXXXXX XXXX  XXXX. XXXX. Please correct and update.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account number : # XXXX, Account name : XXXX XXXX Account number : # XXXX, Account name : XXXX XXXX XXXX XXXX, Account number : # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account number : # XXXX, Account name : XXXX XXXX XXXX XXXX  Account number : # XXXX, Account name : XXXX XXXX XXXX Account number : # XXXX, Account name : XXXXXXXX XXXX Account number : # XXXX, Account name : XXXX XXXX XXXXXXXX Account XXXX : # XXXX, Account name : XXXX XXXXXXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.