23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX sold XXXX debt from XXXX  XXXX to National Credit Adjusters , LLC after attorney in XXXX was disputing the amount owed and requested documents with itemized payments. We never received the documents requested. 
NCA is now re-aging this debt on my credit reports as XXXX debt while it was in dispute and received no response from XXXX XXXX. 

Complaint to XXXX XXXX is stating different dates and different amounts owed from NCA. That is enough to investigate inaccuracies. 

XXXX XXXX stating XXXX XXXX went into collections ; NCA is reporting XX/XX/XXXX to credit bureaus without me acknowledging the debt. 

Also XXXX  is stating I owe {$1800.00} ; NCA is reporting amount owed is {$2100.00} to credit bureaus.
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and XXXX  data breach.
Product: Debt collection

The aforementioned credit collection agency representing whomever your Client is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, Transunion and XXXX. This business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. XXXX XXXX XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Against Equifax and TransUnion for FCRA Violations To Whom It May Concern, I am filing a formal complaint against Equifax and TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) and Consumer Data Industry Association ( CDIA ) XXXX XXXX reporting standards. Despite my disputes and multiple requests for correction, both credit bureaus continue to report inaccurate, unverifiable, and misleading negative information, which is negatively impacting my credit profile. 

Details of the Complaint XXXX. XXXX XXXX  XXXX ( XXXX ) Incorrect Derogatory Status ( Equifax ) Issue : The account has been paid in full, but Equifax continues to report it as " Derogatory '' rather than Paid as Agreed or removing it entirely. 
FCRA Violation : 15 U.S.C. 1681e ( b ) Failure to maintain accurate reporting.

15 U.S.C. 1681i ( a ) Failure to investigate and correct inaccurate data. 
XXXX XXXX Violation Paid charge-offs must not be reported in a misleading manner. 
Requested Action : I request that Equifax correct this account to Paid as Agreed or remove it entirely if they can not verify the accuracy of their reporting. 
XXXXXXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX Outdated Collection Charge-Off ( TransUnion ) Issue XXXX The account was paid off on XX/XX/XXXX, yet TransUnion continues to report it as a Collection Charge-Off. 
FCRA Violation : 15 U.S.C. 1681c ( a ) Negative accounts can not be reported more than 7 years from the date of last activity.

15 U.S.C. 1681i Failure to investigate and remove outdated records.

Requested Action : I request early exclusion or immediate removal of this account from my TransUnion credit report. 
Attempts to Resolve the Issue On [ Date ], I submitted a dispute letter to both credit bureaus via certified mail. 
They failed to verify the accuracy of the disputed items within the required XXXXday period.

The reporting errors remain unresolved despite my repeated attempts to correct them.

Resolution Sought I request the CFPB to take the following actions : Investigate Equifax and TransUnion for FCRA & XXXX XXXX violations. 
Order the immediate correction or removal of the disputed accounts. 
Impose penalties on the bureaus if they continue to violate federal regulations. 
Ensure compliance with FCRA and XXXX XXXX reporting guidelines. 
Supporting Documents Copies of my dispute letters were sent to Equifax and TransUnion.

Copies of my credit report with the disputed items highlighted.

Proof of account resolution ( if applicable ).

USPS certified mail receipts confirming my previous dispute submissions.

I appreciate the CFPBs prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

In XXXX, on XX/XX/XXXX, and on XX/XX/XXXX, my account was charged between $ XXXX in fraudulent transactions from an unauthorized purchase at XXXX. 

Each time I contacted my bank, North Carolina State Employees Credit Union ( www.ncsecu.org, XXXX, Routing Number : XXXX ) to report the fraud, sign a fraud affidavit and place a stop payment on the merchant. 

XXXX continues to allow this fraud to take place a total of XXXX times now! On XX/XX/XXXX, I contacted them asking why my funds were still removed from my account as they allowed this fraudulent transaction to go through a third time. After being on the phone for XXXX minutes, I was told that the fraud department had no way of blocking a specific merchant as other national banks are able to do. They have to " allow '' the fraud to go through, debiting my account each time for a period of 10 days while the fraud is being investigated. 

On XX/XX/XXXX, I contacted the XXXX to find out why my funds are still not in my account after signing the fraud affidavit on XX/XX/XXXX. I was told by the call center representative that there was no record of my fraud affidavit even though there was a record of closing the debit card due to fraud. They then submitted a new report on XX/XX/XXXX, starting the 10 day hold period again! 

On XX/XX/XXXX ( XXXX minute call ), I spoke to a Call Center Supervisor, XXXX, who contacted a Fraud Manager to prioritize the XX/XX/XXXX fraud report given the history and multiple affidavits filed. When asked why the fraud affidavit was not processed when it was received on XX/XX/XXXX, she had no answer and had to investigate why the call center representative who processed the card change form dropped the ball and did NOT properly process the fraud claim. 

In addition, when a new card is issued due to fraud, the call center representative stated, " all the old stop payments and blocks are automatically removed. '' This allows new fraudulent transactions on the newly issued card!! 

This continued negligence on the part of a financial institution has caused me financial harm and they do nothing to protect customers from " known '' fraudulent transactions. After being a customer for over XXXX years, I have NO confidence that XXXX XXXX protect my financial assets going forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent my collection to Rodenburg Law Firm. From there they contacted me and I came to a settlement of my account there for XXXX less than the original amount. After settling the collection was removed off of my credit report. Just three days ago it popped back on my credit report saying I owed that XXXX difference. Today it also reported that im late on that XXXX also. I called them for the last three days between the two companies and no one was cooperating and did not assist me with the reasoning behind this. I asked the Law Firm and they say they dont report to the credit bureaus and i have to contact XXXX XXXX. When I call XXXX XXXX they only say that Rodenburg Law Firm was the only ones who can talk to me about it. Many times XXXX XXXX hungup on me. I got it recorded two times of one representative hanging up on me and one XXXX  hanging up on me.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

DEPT OF EDUCATIONXXXX XXXX
Product: Debt collection

You shared information with a third party about my medical debt. MEDICREDIT, INC. ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. As data furnisher please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts.

The account has not been verified and no HIPAA release has been provided to me for any of the medical debt and reporting of radiological services. The HIPAA privacy rule requires a " business associate '' ( collection agency or billing firm ) to reasonably limit the amount of information disclosed for such purposes to the minimum necessary as well as to abide by reasonable requests for confidential communications. HIPAA Regulations, the Privacy Rule requires an Associate to enter into a partner contract containing specific requirements with an Associate prior to the disclosure of PHI, as set forth in, but not limited to, Title 45, 164.502 ( e ) and 164.504 ( e ) of the Code of Federal Regulations ( CFR ).

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 


MEDICREDIT, INCXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Vehicle loan or lease

I have previously filed a complaint with the CFPB about a fraudulent auto loan account with Wells Fargo Dealer Services in XXXX of XXXX. I have never applied for the loan or opened it. I did not purchase a vehicle in XXXX. In fact, I was not living in the XXXX in XXXX  and I still reside XXXX XXXX XXXX. For the past several years I've been trying to resolve this issue, yet no one has ever spoken to me about it. As I said, I do not reside in the XXXX and haven't for over a decade. I have given up Wells Fargo representatives, and ever someone name XXXX XXXX, the only practical way to get in touch with me over the past several years and I have yet to speak to someone in the fraud department with Wells Fargo. This account is almost 7 years old, no one ever paid on it, the address used to open it is not mine, the signature used doesn't belong to me, it hasn't reported in several years on my credit report, however, continues to cause problems for me. I have now gotten a lawyer involved and will do whatever I takes at this point to resolve it, even if it means going to court. This is an auto loan account that was opened fraudulently nearly 7 years ago, no one has ever bothered to discuss it with me despite my many efforts to talk to someone from the other side of the world several time zones away, and the account hasn't reported anything in on my credit profiles, yet it is still there. I want it removed now! It's a 7-year-old account that is fraudulent, what is there to discuss at this point? Besides, as I said no one has ever contacted me from the Fraud Department despite my efforts to reach them. Remove it now!! I have now gotten an attorney involved to have it removed. I just want this off my credit reports.
Product: Mortgage

To Whom It May Concern, XX/XX/XXXX my Dad passed away unexpectedly. I am the Personal Representative of his Estate ( Letters Testamentary attached ). We determined it best to sell my Dads businesses and it is that sale that I am writing you about. As the Estate of XXXX XXXX, we were half owners of the businesses per the Operating Agreement ( I have included the Operating Agreement ). We were excluded from all aspects of his businesses, financials,  distributions and the closing, which XXXX XXXX, the Real Estate Broker ( XXXX XXXX XXXX ), XXXX XXXX Attorney XXXX XXXX and the Title Company orchestrated closing a day early and did not notify or disclose to the Estate or update the disclosure documents ( attached ). I called and emailed Fidelity National Title ( email attached ) requesting the location of the closing and letting them know XXXX XXXX does not have the authority to represent the Estate.  As a matter of fact, XXXX XXXX 's email confirming the closing date of XX/XX/XXXX is attached. The day after the secret closing the Estates attorney had me sign a document stating XXXX XXXX could sign on the Estates behalf, which is dated AFTER THE CLOSING OCCURRED and after XXXX XXXX dated the closing documents. The Estates attorney told me if I did not sign that the deal would not close. XXXX XXXX left the closing with the Estates proceeds, forcing the Estate to take legal action and incur extensive legal fees. 

Please also note on the Fidelity National Title Sellers Settlement Statement the Closing Date and Disbursement date are listed as XX/XX/XXXX, yet the signatures of XXXX XXXX, XXXX XXXX Fidelity National Title, and XXXX XXXX are all XX/XX/XXXX. The Disclosure document was never updated and the Estate of XXXX XXXX was never updated or notified. 

I believe kickbacks and fraud are why the Estate was excluded from the closing and why the closing was performed in secret and moved up a day early. 

Sincerely, XXXX XXXX PR, Estate of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I never made this application on XX/XX/2022. I never signed any documents for this company.
Product: Student loan

I have tried paying my XXXX XXXX  off twice now, and both times my loan servicer Aidvantage has reversed my payments. The first time I attempted to pay off my XXXX XXXX  in full with a one time payment of {$5000.00}. I received an email saying that the payment was posted, only to be told days later that the payment had been reversed. The email I received was vague, only saying that that I had a " New document ready to view '' without informing me about the intent, and the only reason given for the reversal was an invalid account number. I checked my bank savings account information though, and it is still accurate given my account number and routing number. I tried again this week to pay off {$25.00} as a test, and again it said the payment was posted, only for it to be reversed days later. This is ridiculous. I have tried paying my loans off in good faith and each time my loan servicer has reversed my payments while allowing interest to accrue and making my total balance larger. Please fix this so I can pay my loans off.
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted American Express because I received by email an offer to sign up for the Business Platinum to receive XXXX points and Business Checking account to receive XXXX points ; and then an additional XXXX points for doing both. I received the XXXX and the XXXX points, but never received the additional XXXX points. 

On XX/XX/XXXX I followed up and was informed that my rewards were denied because my " offers were not linked ''. I have looked through the fine print in the email and I have satisfied all of the conditions. It seems like something went wrong on their end they didn't track the offers together, which seems very strange- the email doesn't mention having the offers linked - I applied for both on the same day - so it shouldn't be difficult for them to track the applications together
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting account, XXXX Account 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 an account without my written instructions.

15 U.S.C. 1666b. A Creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen from Equifax. This is ridiculous and now I need to freeze my credit. I still have to pay for this. I do n't have any choice in using equifax with my report. My information is out there and is in danger of being used.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX : Account Number : XXXX -- Balance {$0.00} Account Name : XXXX XXXX XXXX : Account : Number XXXX -- Balance {$0.00} Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Afni calls about 10 - 15 times per day. They have contacted everyone I ever called from an XXXX cell phone SEVEN years ago stating Im at risk of imprisonment from falsely using XXXX and they need me to contact them. This is unacceptable. I DO NOT owe XXXX money
Product: Credit reporting, credit repair services, or other personal consumer reports

remove fcra violations : see attachments they don't even have my number right? 

( XXXX ) XXXX Cellular ( XXXX ) XXXX Residential ( XXXX ) XXXX Cellular XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$17000.00} Status Account charged off. {$17000.00} written off. {$17000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$17000.00} Status Closed. {$17000.00} written off. {$17000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$280.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4600.00} Status Open. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$14000.00} Status Open. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX.
Product: Mortgage

Flagstar Bank recently sold their entire listing of mortgage holders to " XXXX XXXX '' of Texas, another mortgage holding company. During this transaction, and as specified within the RESPA Act as unlawful, the information within my mortgage was altered before completion of the transaction to XXXX XXXX. I was sent a letter by Flagstar Bank indicating the transfer of my mortgage to this mortgage holding company. However, a portion of the information attached to my mortgage with Flagstar was removed, specifically an individual name that was first in line as to responsibility of repayment of the mortgage lien.