23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX sent me re-investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. I have repeatedly asked that they remove this from my report.This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. 

And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report.

Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$5100.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : DPT EDXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : DPT EDXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1200.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$6800.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$820.00} TRANSUNION INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.
Product: Credit card or prepaid card

I had a credit ending in XXXX on file with a doctors office. On my 5th visit, the doctor failed to show up at the location noted in the 5 appointment reminders I received prior to the appointment date. 

I was charged a {$150.00} " no show fee ''. 

The issue is that the previous appointments were all virtual via video conferencing. The reminders for this appointment also stated it was virtual. However, the doctor traveled to a different state and failed to update the notifications their office sent to me. They expected me to arrive in person at their location in CA despite not telling me. 

I forwarded copies of the reminders to my bank ( Alliant Credit Union ). Alliant 's third party reps who handle charge disputes have agreed that I should not be liable for this charge, but state that the billing agreement I signed with the Doctor 's office has tied their hands. The rep suggested I contact Alliant directly ( which is where I started ). 

To my knowledge, the agreement does not cover the doctor failing to show up to the appointment. 

Attached are copies of the email and text reminders, both stating it was a video appointment. 

Also attached, is the " visit summary '' with the address of where the doctor was. This wasn't provided until after the appointment time had passed. I called the office and the secretary stated that this doctor had this same issue with several other patients.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXL Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX charged us twice for the same security equipment and erroneously provided statements with different due dates. We called and alerted them to this error and they changed the balance due to XXXX but still reported us late even though we were never late. When we called to complain it seems they closed the account with no explanation but did not remove the information about the false late payment. I have disputed this with the 3 credit bureaus without success. You can also see this is happening with this company as it pertains to other customers as well. 

https : XXXX
Product: Credit reporting or other personal consumer reports

These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Credit Management has repeatedly called for a debt they refuse to identify including at my place of business which I have told them i can not accept calls at.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. These accounts from XXXX has been on my report fraudulently the past year violating my fcra rights hurting my ability to purchase a home. XXXX XXXX XXXX XXXX has been reporting on my account fraudulently for over 10 years. 

I wrote to the credit bureau on XX/XX/XXXX requesting an investigation that I believe were outdated. I have received no reply or acknowledgment that an investigation has begun. This is my second request. This is passed the XXXX window and these in accurate fraudulent accounts needs to be removed from my credit file asap. There are even accounts on my report that are not only fraudulent but these accounts have been reporting negative on my credit file for over 10 years. The credit bureaus are not following their own laws. Its been over 30 days. Accounts such as XXXX XXXX XXXX continue to violate my XXXX XXXX rights account # XXXX {$29.00} XXXX XXXX XXXX # XXXX {$190.00} Those accounts have been reporting negative on my profile since XXXX and should be removed asap. XXXX XXXX XXXX has been reporting negative on my profile since XXXX XXXX XXXX  # XXXX fraudulent account as well and refuse to send any validation that verify such accounts. XXXX  # XXXX XXXX  # XXXX. These accounts were all opened under my name and these accounts were not authorized by me. These companies have not verified any information by me. The credit bureau are violating my FCRA rights by continuing to report theses fraudulent inaccurate accounts.
Product: Credit card

Regarding CFBP XXXX XXXX : XXXX I am re-opening a complaint here and providing the additional information requested as the reference above has already been closed out and there was no way to respond to it. 

I called in to Amex the number on the back of my card to provide additional information as instructed per the response AMEX sent me dated XX/XX/2024. They were unable to get me to the correct department to provide the information requested in XXXX XXXX XXXX : XXXX. The Customer Care representative gave me a ton of hardship even after explaining to him that I have additional information I would like to submit as instructed by your team. Although he could not open the letter, he did have access to notes but still refused to help. This morning has been extremely frustrating for me when reaching out to AMEX on this matter. 

This is why I am attaching this additional information for your review here and hope someone at AMEX in the correct department or A. Young, can reach out to me about this matter.
Product: Checking or savings account

On XX/XX/2024 around XXXX I made a cash deposit of $ XXXX XXXX with {$100.00} denomination at a CHASE bank ATM at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX inserted my debit card, put in my pin # and inserted the cash at the ATM machine outside of the branch. The ATM sounded like it counted the money, as this was happening the ATM malfunction and it gave me an error saying to call to the bank phone # in the screen to verify the money was deposited correctly, the ATM did not provide a receipt. I called and had to submit a claim as they stated they did not see the deposit. I returned the next morning to the branch and one of the tellers advised me not to worry, that once they counted the money from the ATM they would see they had my XXXX extra. Still had me to call the # again and submitted another complaint. Today XX/XX/2024 I received a letter staying my transaction had been processed as I stated but they were not going to make any adjustments to my account. I called again to ask why the money was not posted on my account and they responded that the claim had been denied. And they will request to research again. It feels like they are not intended to return my money back.
Product: Credit reporting or other personal consumer reports

I sent a dispute to TransUnion on XX/XX/2023 for 4 items that was reporting on my credit report ( dispute is attached ) unlawfully. I requested for those items to be verified or removed by the credit reporting agency, Transunion. I sent verification request letters to each alleged creditor before sending a dispute letter to TranUnion. The verification request letters that I sent to the creditors, XXXX XXXX and XXXX went unanswered. But I received a " verified '' outcome from TranUnion past the 30 day response period allotted time frame. How can TransUnion verify information and I CAN NOT? There are 2 or more clear violations of the FCRA that has been committed. I have only named a few.
Product: Debt collection

Penn Credit agreed to remove a collection from my XXXX and XXXX credit reports when a collection was paid off. After repeated promises that it would be removed, it has still not been removed
Product: Mortgage

I have been trying to modify my home loan with Wells Fargo. I have been denied twice, the first denial was because too much income and the second was due to not enough. My son contributes money to our household which I had provided to Wells Fargo, they then declined my modification due to too much income. I reapplied without his contribution and was then denied for not enough income. My husband is XXXX, as with any business things get slow and we struggle just many other people. I am not able to work, I have XXXX and XXXX. I am XXXX that someone can help me save my home. I want to finish out my life here where we have made many memories and hope to make many more
Product: Credit reporting 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 Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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.
Product: Credit card or prepaid card

On Thursday, XXXX XXXX, I brought may car to a mechanic to replace a rear passenger side seat belt. The mechanic quoted me between $ XXXX {$250.00} for parts and labor. I was notified the repair was done and texted an invoice for {$460.00}. I went to the mechanic and told them that's not what I was quoted and they told me I had to pay of they would not release the keys. I paid and the part doesn't even work. I went to another mechanic and supplied written proof the installed part doesn't work to Discover. I disputed with my Discover card and they investigated and sided with the merchant. Since then, I have escalated my dispute with Discover and all of the sudden, they decreased my credit limit. Ive been in good stating and my credit is good with Discover for many years. This event has impacted my credit score negatively.
Product: Checking or savings account

On XX/XX/2018 I deposited a {$5000.00} personal check into my account through the mobile banking app on my phone. On XX/XX/2018, this posted as a present balance but not available balance. On XX/XX/2018, 7 calendar days after I made the deposit, the funds were still not available and I called Chase. They started questioning what the purpose of the funds were for. Then they stated that because I don't normally make deposits of this size, they were going to hold the funds until XX/XX/2018. They did not give any reason as to why I was subject to this unreasonably long hold of 12 days other than the fact they couldn't verify the funds from the bank XXXX XXXX where the check came from through an electronic portal and that I'm not a customer who " routinely makes these deposits this large ''. 

The actions by Chase bank for placing an unreasonably long hold on my check deposit are a violation of 12 CFR 229.13 because my circumstances don't meet the basic definition required to establish doubt of collectibility : ( e ) Reasonable cause to doubt collectibility ( 1 ) In general. Sections 229.10 ( c ) and 229.12 do not apply to a check deposited in an account at a depositary bank if the depositary bank has reasonable cause to believe that the check is uncollectible from the paying bank. Reasonable cause to believe a check is uncollectible requires the existence of facts that would cause a well-grounded belief in the mind of a reasonable person. Such belief shall not be based on the fact that the check is of a particular class or is deposited by a particular class of persons. The reason for the bank 's belief that the check is uncollectible shall be included in the notice required under paragraph ( g ) of this section.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX    XX/XX/XXXX -  did not authorize   XXXX   XXXX      XX/XX/XXXX - Did not authorize   XXXX   XXXX   XX/XX/XXXX - did not authorize  XXXX  XX/XX/XXXX  - did not authorize   XXXX   XX/XX/XXXX  - Did not authorize   XXXX   XXXX    XX/XX/XXXX -did not authorize   XXXX   XXXX      XX/XX/XXXX  - did not authorize  XXXX     XX/XX/XXXX  - did not authorize A dealership (   XXXX   XXXX   ) pulled my credit report without my permission. I was told they were going to try to include my income on an auto loan but because I do not have license in the state of Pennsylvania I did not want to be listed on the vehicle title. they took my information and pulled my credit report anyway. And they refused to have them, deleted. Did not return my phone calls.
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I also am aware of the glitch with transunion in the summer of   XXXX   and early  XXXX  in which inquiries were deleted and then when they realized the glitch they re-added them to the reports. But without informing me within 5 days of adding them back. This is a violation of my rights as well. So if I was affected by that as well I would like it to be resolved as well.
Product: Debt or credit management

Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX : Initial Debt Collection Agency Current Creditor : XXXX XXXX XXXX, XXXX Alleged amount owed : {$1300.00} Current Collection Company : Credit Management Company, XXXX XXXX XXXX, XXXX, PA XXXX I took my son to XXXX XXXX XXXX XXXX on XXXX. I was over billed and also billed for services not rendered. I disputed these physician charges and eventually, it went to XXXX, a collection agency. I made an agreement with XXXX on XXXX to pay on {$670.00} to settle the debt. On XXXX, I received a letter from XXXX starting that " it has been closed with our Agency ''. 

Credit Management Company now ( XXXX ) claiming I still owe {$1300.00} and reported me to all three credit bureaus. I have reached out to the collection agency but unable to get them to take me off the credit reports. 

I am requesting CFBP for assistance.
Product: Student loan

I have been trying to consolidate my loans since XXXX of 2015. ACS is saying they are making an adjustment so my loans are showing a XXXX balance which stops me from consolidating. Now while they say I am at a XXXX balance, I am still required to make payments ; they can even send me a schedule of those payments. When I call about the situation, I am placed on hold for over an hour with no one picking up the call. They have not time frame for when the adjustment will be made. They simply say we are working on it and it is our policy to not give a timeline. This is stopping me from consolidating.
Product: Credit reporting or other personal consumer reports

Formal Complaint and Request for Investigation and Removal of Unauthorized Charge-Off. 
XXXX XXXX ( {$1600.00} ) EXPERIAN AND XXXX I am formally disputing and requesting the immediate investigation and removal of unauthorized and inaccurately reported charge-off entries by a third-party collection agency from my credit report. These entries have severely affected my financial standing, disqualifying me from securing a home mortgage, an auto loan, or any lines of credit. 
It is critical to highlight that I have never entered into any contractual relationship with this collection agency. Their actions to report on my credit without a direct agreement are not only baseless but also infringe upon my consumer rights, constituting a clear violation of multiple legal standards pertaining to credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reporting of charge-offs, which are essentially certificates of indebtedness that I have never agreed upon, appears on my credit report without my authorization. This action is in direct violation of the principles that govern lawful credit reporting.

2. **Failure to furnish Form 1099-C** : The collection agency has also failed to provide me with a copy of Form 1099-C concerning the cancellation of debt, which is essential for accurate tax reporting and compliance. This omission has potentially placed me at risk of non-compliance with IRS regulations.

3. **Violation of Privacy Rights** : Under the Privacy Act of 1974 ( 5 U.S. Code 552a ), there is a stringent protection against the unlawful disclosure of personal information. The agency 's action contravenes these legal provisions by disclosing personal financial details without my consent.

4. **No Contractual Relationship** : As I have never signed any form of agreement with the said agency, their report constitutes a direct infringement on my rights as a consumer.

5. **Opt-Out Rights** : In accordance with the provisions of 12 CFR 1016.1, 12 CFR 1016.4, and 12 CFR 1016.7, along with 15 USC 6802 ( b ) and 15 USC 6805, I am formally opting out of all authorizations, whether impliedly granted, for sharing or reporting my credit information.

Given these points, I urge you to act swiftly in investigating these claims and remove the inaccurate charge-off entries from my credit report. I expect a written confirmation of the deletion of these entries. Please understand that I am prepared to take further steps, including legal action, if necessary, to ensure the correction of my credit information and to protect my rights. Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$24000.00}.