23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We closed our XXXX cable account XXXX of XXXX and we were told a final bill amount to pay. We paid that bill however, XXXX never stopped billing even though the equipment was turned in. We were not aware of a bill until it was on my credit report. I called CCS ( Credit Collection Services ) and advised them that we didnt owe this bill and spoke to XXXX on XX/XX/XXXX. XXXX went in and identified the error and stated that the bill should not be {$430.00} but {$96.00}. I paid the balance in full of {$96.00} on XX/XX/XXXX. They advised that there was nothing else due and that they would reach out to CCS to let them know about the error. Unfortunately, we received a recent bill in the mail from CCS for {$70.00}. Representative XXXX XXXX with CCS stated that XXXX sent this bill over on XX/XX/XXXX. WE DO NOT OWE a balance and the account should have never been reported to collections nor placed on my credit report. I didnt get a bill from CCS until I called from the number that was on the credit report. Please communicate with XXXX and CCS so that this can get resolved expeditiously. At this point I have spent hours trying to get this resolved with no resolution. 

We spoke with XXXX, XXXX and XXXX in billing at XXXX. The ER ticket number from XXXX detailing this issue is XXXX. 

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

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1200.00} XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$1000.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$4100.00}
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681b - Permissible purposes of consumer reports. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. Notice to Agent is notice to principal notice to principal is notice to agent. I have received a copy of my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a ( 2 ) a ( 1 ) ; ( 2 ) Exclusions. -- -Except as provided in paragraph ( 3 ), the term consumer report does not include -- - ( 1 ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Consumer transactions are excluded from the consumer reports. FICO and or any other RISK score or algorithm that you use to calculate a consumer credit score is not a factor where the consumer report is concerned. Definition of what the consumer report means. Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing a consumers credit worthiness, credit standing, credit capacity, character general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes, ( B ) employment purposes ; or ( C ) any other purpose authorized under section1681 ( b ) of this title .15 USC 1681 ( a ) the definition of the consumer report does not include FICO or Vantage which makes their factors or algorithms not a factor where the consumer report is concerned
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$2400.00}
Product: Credit reporting or other personal consumer reports

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the CDIA 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The CDIA 's CRRG stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested.

Your agency is in violation!

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. 1681s-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.

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX for Comenity Bank XXXX This company settled the account for less than the full balance. Updated the information on my Credit Report to show comments that the account is settled and paid for less than the full balance, but updated the balance to the amount discounted instead of XXXX. This is preventing me from purchasing my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reports two loans, both with XXXX XXXX, with balances due. I disputed. Equifax reported the dispute results : {$0.00} balance on both. XXXX has shown proof that the balances are {$0.00}. Equifax continues to report a balance on these accounts. Calling support is useless. Call center is foreign and asks for full social security number over phone. If the dispute department found that the balance is {$0.00}, why is it still reported as balance due? If they don't trust themselves, there is little I can do, except go to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 request the removal of an inaccurate address from my credit report. The address listed below does not belong to me and should be removed from my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I received a letter from Linebarger, Goggan, Blair & Sampson located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, alleging that I owed the State of Delaware {$270.00} for " unpaid tolls and fees. '' They had my vehicle license plate number, New Mexico XXXX XXXX. So, supposedly I had driven my car through a Delaware highway collection point and not paid. The State of Delaware has not been in touch with me asking for payment. 
I checked online and found several complaints about this company, so I decided to contact the cfpb. I am happy to pay any legitimate fees I owe the State of Delaware, but I certainly do not owe them {$270.00}. And I do not want to line the pockets of a fraudulent law firm. 
Can you help me? 
Thank you! 

XXXX XXXX
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that XXXX would verify the debt. So I took it upon myself to ask XXXX for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Bank account or service

Suntrust Bank I applied online to get a bank account and it was approved and opened up. About a week or so later I received a letter from the Back office department stating that the account will be closed due to information reported with XXXX XXXX Services. So I left it at that knowing the account was going to be closed and I would have to find a bank somewhere else. Now a few years later I start to clear my credit and pulled and asked for a Consumer report from XXXX and Suntrust Bank has me listed as Non-Sufficeint Fund ( NSF ) Activity and is reporting that I owe them {$84.00}. Now I called the customer services and they stated my account was charged several return check fees and that I had to pay and they would update XXXX and XXXX XXXX Systems. What?? How can you do that when you told me the account was not going to be left open because you closed it due to reported information from XXXX XXXX Services. Such a XXXX double standard
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. 

XXXX XXXX XXXX Acc XXXX XXXX XXXX XXXX Acc XXXX XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX Acc # XXXX XXXX Acc XXXX XXXX XXXX XXXX XXXX Acc # XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX XXXX. Balance {$1700.00} 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 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. 1681s-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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit card or prepaid card

After 18 years of good relationship with this company I was unable to get a satisfactory answer as to why my credit limit was reduced from {$26000.00} to {$500.00}. So I've attempted to cancel the credit card. I'm tired of getting cut off, shuttled around, and waiting endlessly on hold. 
This is ongoing and there is no money owed to either party to my knowledge.
Product: Money transfer, virtual currency, or money service

I made a wire transfer to someone who lives in XXXX. The person said that they never received the money. I have made many trips to the bank in XXXX. I was told that they are trying to refund the money back into my account but that has not happened. Last couple of times I went there the branch is closed it looks like permanently. I tried to call the person who was handling the case for me but he doesn't answer. I went to another branch in XXXX. They couldn't help me. They just gave me a phone number to call. When I called that number the person put me on hold and then the connection was lost. On the bottom of the receipt that was given to me at the time of the transfer I see this number where it says if you have questions or complaints to call that number. When I called that person told me to go on line and file a complaint since no one else from Chase can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX   XXXX/XXXX  XXXX, XXXX/XXXX, XXXX/XXXX, XXXX  XXXX   XXXX  XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX. 
Company Inquiries 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

Good afternoon, I am making a dispute against Regions bank, XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for making a hard inquiry against my credit report. I believe I was sent a pre-approval offer letter from Regions to me in the mail and was told that ANY pre-approved offers should be reported as a soft inquiry. 

However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet from a XXXX excellent score to a XXXX. Being that I was considering of getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XXXX XXXX reports that Equifax listed all my accounts closed with the remarks on the opened account as Consumer Deceased. I am very much alive, and Equifax is knowingly reporting to companies false information about my credit information.
Product: Money transfer, virtual currency, or money service

Pay pal shut down and took my acct $ for 6 months stating i had violated service terms despite companies such as XXXX XXXX or XXXX using same platform for 100 % legal XXXX sales. I've contacted compliance department several times/all robo responses and noone is allowed to.explain or talk on phone about it/while they turn a blind eye to 100 's of businesses online I've pointed out using them for same businesses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting CBNA, who appear on my credit file as CBNA numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. I am still confused as to who this company is because it says XXXX XXXX XXXX XXXX, and other times at Citibank. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It is also listed on my XXXX   report XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Neither of these did i authorize or give permission. They are a result of fraud.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the information reported in my credit file. After thoroughly reviewing my credit report, I have identified inaccuracies that I believe are a result of negligence and non-compliance with the requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o regarding civil liability for negligence. 

Disputed Information : XXXX XXXX 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 The items in question have been reported inaccurately, and despite my best efforts to resolve this matter through previous communication with your agency, the necessary corrections have not been made. Under Section 1681o of the FCRA, I am entitled to request a proper investigation and correction of inaccurate information. Moreover, I believe that your failure to fulfill your obligations under the FCRA constitutes negligence, which exposes your organization to civil liability for any damages resulting from the errors in my report. 

According to FCRA Section 1681o, any person who negligently fails to comply with any requirement of the Act can be held liable for actual damages, and I am requesting the following : Immediate investigation and correction of the disputed items. 
A written explanation of the actions you have taken to resolve this issue. 
Compensation for any damages incurred due to this negligent reporting, should the inaccuracies not be resolved in a timely manner. 
I expect that you will take the necessary steps to investigate this dispute and correct any errors in accordance with the FCRA. Please provide me with a written response to this matter within 30 days from the date of this letter. 

If you fail to resolve this issue within the prescribed time or continue to report inaccurate information, I will have no choice but to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal remedies under FCRA Section 1681o.

Thank you for your prompt attention to this matter. I look forward to your timely response. 

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

I havent been able to access my credit report, and once I called Equifax to discuss the problem no one wouldnt help me. It says that my info is wrong and I know for a fact that someone has been putting stuff on my credit which is the reason i cant access to dispute it.
Product: Mortgage

Abusive & deceptive practice at Quicken Refi request amt : {$920000.00} 1 ) Loan originally started in XX/XX/2020, approved with closing scheduled on XX/XX/XXXX, the Mobile Notary person was a few hours late ( went to a wrong place ) onXX/XX/XXXX on the first signing date. She then sent my signed closing docs back to XXXX instead of forwarding to my 2nd closing location ( my residence ), which disrupted the entire process and the 2nd closing on XX/XX/XXXXdid not occur. A third attempt was scheduled today XX/XX/XXXX@ XXXX at my XXXX  location, and there was a no show by Quicken. 

2 ) After several back and forth with Quicken, this went into XX/XX/2020, I then requested a rate refresh, Quicken came back with a lower rate but did not mention the closing cost will be 10x times higher ( deceptive practice ). I discovered this when I reviewed the docs. When I tried to reach out for a resolution, Quicken tried to stall the process. 

3 ) I then requested {$0.00} closing at 2.625 % 10 Year ARMs. Then as we enter XXXX, I received a call from Quicken telling me that the loan will be withdrawn due to the outstanding time-because of their stalling tactic. Quicken then offered a new price, including points which was exactly what they had offered in XXXX, 10X times higher than the original closing cost. Which appears like a dirty tactic to force me to withdraw from the loan. Another abusive and deceptive act!