23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX it was brought to my attention that a collections company, XXXX XXXX XXXX XXXX XXXX, was attempting to get payment for a loan of {$1200.00} taken out on XX/XX/XXXX. This is a loan that I did not take out. They were threatening to have me arrested and would harass my family as well. I took steps with XXXX XXXX to clear the account they had under my information by completing a police report and writing them a formal response informing them that the debt was a result of an instance of identity theft. They told me that everything was taken care of. Earlier this year I received a letter in the mail from National Credit Adjusters , LLC, stating that they have taken over the account and that I now owed them the debt of {$1200.00}. When I spoke with them on XX/XX/XXXX they requested the same documentation, so after waiting to receive the police report, I sent them all documentation on two different occasions, XX/XX/XXXX and XX/XX/XXXX. I did not hear back from them until it was brought to my attention that my XXXX  credit score had dropped 115 points because of this debt.
Product: Debt collection

After a work related injury in XX/XX/XXXX, the medical provider billed my personal insurance for services in the amount of {$570.00}. I spent over one year trying to correct the mistake by providing my workers compensation information to the medical provider. My last contact with the medical provider was in XX/XX/XXXX at which time I was provided with a statement that the charges had been paid in full by my workers compensation insurance. 
Equifax still maintains this erroneous outstanding medical debt on my credit report. My efforts to file a dispute about this debt with Equifax have been met with messages that they can not verify my identity and/or record and therefore will not discuss my credit report. I have been unsuccessful in communicating with Equifax to delete this error and any other erroneous information they have on my credit report that prevents them from speaking with me. I have been unable to access my annual credit report from Equifax for years for these same reasons. 
Thank you for your time.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX Equifax : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX Equifax is willfully non complying to the FCRA. Equifax is reporting debt that has been canceled. 
I have proof of the 1099c attached. 
XXXX XXXX submitted 2 1099c for account XXXX and XXXX to the IRS on XX/XX/XXXX and supplied a copy to me. Equifax is committing willful negligence by reporting a debt that no longer exists. According to the IRS a 1099c is a notice to the IRS that the financial institution has forgiven or canceled a debt of {$600.00} or more.

Once a debt has been written off and a 1099c has been issued, the debt can't be collected.

Errors on your credit report must be corrected by the credit reporting agencies according to the Fair Credit Reporting Act.

I have supplied Equifax with a copy of the 1099C and any other relevant information with a request to correct my credit report. Inaccurate, incomplete or unverifiable information must be removed or corrected. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint ID : XXXX The aforementioned Complaint with Experian is not resolved. Per the FTCA, any derogatory item that can not be verified ; verified means, the original furnisher of information ( not a third party, XXXX, etc. ) i.e. credit card company, student loan lender, mortgage company, or court of record for legal matters. Experian, upon request must send where and whom the reported information originated to prove this reported information is not only valid but also, verified. 
If the information disputed, is still " unverified '' as defined by the FTCA, procedures for reporting. The disputed information must be investigated, verified as outlined via the FTCA and IF a disputed item can not prove valid, the item, deleted from the credit file.

The original complaint to the CFBP recorded, XX/XX/2018, went unfulfilled. Since filing a formal complaint with the CFPB, Experian sent letters, titled-notification of dispute, investigation results, and finally, an explanation for the results, with a catch-all summary and consumer rights jargon printed on the trailing pages of the letters mailed. 

Experian 's generic mass produced letters, a waste of time and nothing more. Per the FTCA, the item ( s ) of dispute should no longer appear on Experian 's credit file, yet remain. I request all disputed items be deleted per the FTCA procedures for reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, someone opened a Bank of America credit card in my name, in the amount of {$16000.00}. I have NO knowledge of this nor did I open this account. I reported it immediately to Bank of America. They put an alert on the credit card and closed it. Five ( 5 ) days later, XX/XX/2023, someone opened yet another credit card account in my name, in the same amount, {$16000.00}! I was never notified of this credit card, until I received an email from Bank of America. Someone had credit card sent to my old address in XXXX. I reside in XXXX. I contacted Bank of America again, but they would NOT close the account! Stated that I had insufficient information and didn't correctly answer their security questions. I notified all three credit bureau agencies both times and have a FREEZE on all three reports. Bank of America refuses to close the credit card account in my name, that is now shown on my credit reports, when this is NOT my account.
Product: Mortgage

On XX/XX/XXXX I paid my mortgage to SLS online as I usually do but paid a minimal amount thinking I was at another account site. I immediately realized what I had done and went back to the SLS site and paid an amount that would make it so I had paid a full mortgage amount. 

When I looked at my banking account SLS had taken the larger amount that I paid ( to balance out the first payment ) and then also took a full mortgage payment out of my account. When I called and asked how did they get into my account to take the mortgage payment ( I have signed no authorization for access to my account ) they stated I had made the payment - which is not so. They immediately offered to return the larger payment ( the payment I made to balance out the first and make a full payment ) ; they never mentioned the first payment I made and it did not come out of my account. The representative I spoke to said the payment would be mailed out XX/XX/XXXX. 

I called back when I realized I had not gotten a confirmation number or reference number for the reimbursement of my money only to be told by the SLS representative that they do not give confirmation numbers or reference numbers for tracking interactions ( this I consider a problem and a way to not acknowledge issues ). What this representative did give me was the " teller '' number of the first person I spoke to - number XXXX. But this representative gave me XX/XX/XXXX ( not 11 like the first person said ) for the return of my money. 

XX/XX/XXXX not trusting the integrity of this company and especially after finding there were 782 complaints against them at your site, I called to verify the check had been mailed out. Now I was told by a representative ( XXXX ) the check would not be mailed until XX/XX/XXXX. This transaction of theirs has cost me ck fee because it caused an overdraft of my account. I not only want my money returned but I also want the check fees that were charged to me because of this. 

I do not understand how this company can have so many complaints and still exist. There are many complaints online but I don't know if these people know the correct channels to file a complaint. I believe if they did you would receive many, many more.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were fraudulent inquiries reporting on my file that I DID NOT authorize. I'm not familiar with the companies, nor did I ever EVER give them written or verbal consent to pull my credit report. 

Also, I've spent over an hour on the phone with this Credit Reporting Agency ( EQUIFAX ) trying to resolve this issue. I was instructed by members of Equifax that I needed to fill out the required FTC report and send in a cover letter and an additional letter with my Social Security Card and License as verification of my identity. I've sent all of the documents required of me and still have not seen any true or valid action taken addressing the fraud. Nor have I been contacted by the company in that span of time, despite them coming to a seemingly adverse result. 

In calling them to verify they received my mail, which I sent certified, they claim they have verified these fraudulent inquiries. 

HOW CAN YOU VERIFY FRAUD!? 

As a consumer I am very upset that this credit reporting agency is blatantly disregarding my claim, and acting unethically and adversely in my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Collection Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to the address. Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. 

I provided all the necessary documentation such as the FTC report I filed with Federal Trade Commission to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. 

I implore your bureau to take my identity theft case seriously and expedite the investigation process. I request that you thoroughly review the evidence I have provided and promptly remove the fraudulent account and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

ACCOUNT : XXXX XXXX XXXXXXXX
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. 

I demand you to remove this account from all XXXX of my credit reports asap or i will file litigation against your company for furnishing a false account on my credit report.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am composing this correspondence to formally dispute the inclusion of specific address data within my credit profile, as maintained by your esteemed agency. The contested addresses are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses fail to accurately reflect my current mailing residence. It is my contention that the aforementioned data contravenes the mandates set forth in the Fair Credit Reporting Act ( FCRA ), particularly as delineated within Section 605B. I hereby exercise my rights pursuant to this statutory provision and insist upon an expeditious investigation and rectification of this incongruity. 

FCRA Section 605B imposes upon credit reporting agencies the responsibility to establish and enact reasonable policies and procedures in response to notices of address discrepancy. Such protocols are designed to ascertain the veracity of consumer data, ensuring its accuracy, and facilitating the transmission of correct addresses to the pertinent consumer reporting agency. 

Enclosed herewith are corroborative documents substantiating my presently accurate and valid mailing address. I beseech your thorough inquiry into this matter, and I anticipate the expeditious amendment of my credit dossier in alignment with the documented veracity. 

I trust that your expeditious attention to this matter will obviate the necessity for further legal recourse. Thank you for your anticipated cooperation in resolving this matter judiciously.
Product: Credit reporting or other personal consumer reports

I am writing this report due to these hard inquiries that are still on my report, these are the remaining fraudulent inquiries that was attached to the fraud accounts that are now removed. I am asking to have these removed as well under the FCRA law and I was impacted by the XXXX DATA BREACH. I am attaching the FTC file as well to get these removed. 
Here are the remaining fraud inquiries. 
XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

My capital one credit card accounts are being restricted because I have added authorized users.This is something that is legal within the capital one company policy. They are asking me for information and documents about the people that I have added even though they are no longer on or with my accounts. My accounts have been opened for about two years and it will be very difficult to track them or their information down when I do n't know their current situations or whether or not some of them are deceased. When I added them to begin with, they should have just asked me for all of the required information then. I pay annual fees to keep some accounts open. Now I 'm being restricted without a clear explanation why. Capital one called me from their fraud department, but I have not committed any fraud.
Product: Checking or savings account

i had an account with Chime bank. i had a car accident in XX/XX/scrub> 2021, leaving me in a XX/XX/XXXX and in the hospital for 3 months. they closed my account some time in XXXX with all my money still in it. when i tried to log in they told me it was closed for being inactive for too long. i called them to get it reopened and they told me i can not reopen it or make a new account & im not eligible for a refund of my own money. i spoke to the supervisor and she hung up in my face when i asked her to clearly state that i can not receive my own money.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy.

In accordance with the Fair Credit Reporting account XXXX violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry on my credit report which I am seeking to remove as Im a XXXX year old senior citizen and would appreciate assistance on removing it kindly as I need to get an apartment for my self and seeking trouble in so kindly remove this inquiry as its dinging my score and credit report. I really appreciate as this goes away and Im too old to deal with this issue as it is incorrect or mistakenly there somehow. I appreciate if this disappears soon.
Product: Debt collection

Several years ago Bank of America 's representatives corresponded with my lawyer but did not represent themselves truthfully. The case was settled and sealed, however they paid me several thousand dollars. Since then I 've asked them repeatedly to not call me but rather write me in email or letter as their representatives say different things depending on which department they are calling from. I also told them to stop calling me on my regular cell as their continual automated phone calls were harassing me. Since then they have take to call me almost every day on another number that I have. Please tell them to stop harassing me through this continual calling. They may communicate with my at any time through either email or letter. 

Thanks for your help. 

XXXX XXXX
Product: Debt collection

About one month ago I noticed on my credit report something from Commonwealth I've never heard of them the amount didn't add up to anything so I started a dispute with XXXX. I ended up winning that dispute it was removed from my credit now they are sending me an invoice and calling me telling me that I still owe the debt. They couldn't tell me what it was for the person I spoke with stated they think it was for a hospital or a doctor 's bill but wasn't sure and that's all they have. She then said that she would try to find an itemized list and have that sent to my address. Then told me that it can be sold to somebody else and they can try to collect the debt eventhough the dispute turned out in my favor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/22 Fruadulant activity Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  is being reported different and incorrected on al the credit bureau , on XXXX the above accout is beig reported as last active on XX/XX/XXXX and and of last payment on XX/XX/XXXXXXXX XXXX XXXX its last active date is being report as XX/XX/XXXX and a last payment date on XX/XX/XXXX and equifax is reporting a last payment date on XX/XX/XXXX and a llast active date on XX/XX/XXXX and all the above is hurting my chances of getting a loan
Product: Debt collection

Enhanced recovery contacted me with intent to annoy. Company never sent out a dinning letter, with a right to dispute. I had to communicate back with XXXX to get matter resolved. I received calls and it was beyond annoying and affected my job performance. Companies such as enhanced recovery should be barred for their practices. It is not ethical at all. I will be uploading documents within the next 10 days.I also ask for copies of the letter sent along with the dates of communication as well as the phone number. <P/>Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX, they made use of my credit, trying to acquire multiple credit cards, personal loans, vehicle applications, where my credit was affected and they only managed to generate a XXXX XXXX XXXX  credit card for a total of {$400.00} leaving me a collection balance of {$190.00}. I have not had an account with those banks, nor have I made any payment to that account from any personal In that same year my phone number was cloned and they used my personal information to try to get some kind of financial benefit, which caused my credit to be considerably affected by inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX   reporting me 30 days late on XX/XX/2018. There was an error on their part. I was never late.