23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I pulled my credit XX/XX/XXXX, I noticed that I had inquires that I did not authorized at all. I have called, fax and sent certified letters as well to Equifax and have gotten nowhere with them. I have agreed to put fraud alert on my credit, they still give me the run around. They just do n't care about anything, I told them my credit means everything to me and I want those inquires removed. They told me they will not remove them. I need your help because I value my credit and need it to survive because everything in life is credit driven. I just re- pulled my reports today and nothing has changed on my credit reports. 

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

Throughout my history with this account, I've consistently maintained timely payments, preventing any instances of overdue payments. I'm uncertain as to why there are reports of late payment remarks on my accounts. As per XXXX XXXX XXXX - Billing Error, corrections should be made.
Product: Debt collection

On XX/XX/XXXX I pull my credit report and found out that Transworld System : TSI/XXXX/ ORIGINAL CREDITOR : XXXX XXXX ACCOUNT # XXXX. I am filing this complaint against them for non-compliance violations. I wrote them a letter of validation on XX/XX/XXXX certified mail with return receipt. They received on XX/XX/XXXX. The Transworld System has the following non-compliance violations:1 ) They show no proof that they have an agreement with the original creditor to collect this alleged debt. 
2 ) They have no copy of a signed contract where I allegedly agreed to pay the charges. 3 ) The medical bill reveals personal medical information about me. ( This is violation HIPAA- HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ), rules prohibit disclosing my individual 's protected health information unless you specifically authorized them to. 4 ) Creditor is reporting history inaccurately such as last date reported and last activity dates are all wrong : The case US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. This defamation and causing me financial injury. The fine extent of damages incurred by the wronged party as deemed by the court. 5 ) Collection agencies " Re-Age '' by reporting the date of last activity instead of the date of the first delinquency. 6 ) Collection Agency, has not validated my debt and they are still continue to report to the credit bureaus. Consumer protection afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre fine of {$1000.00}. Be aware that I am making a final goodwill attempt to have you clear up this matter by removing this item from my credit report. I am maintaining a careful record of my communication. I further remind you and the credit bureaus as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14, 1995 ) you may be liable for your willful non-compliance. This matter is harmful to me especially doing this COVID-19 panedamic please delete immediately.
Product: Checking or savings account

I have asked Chase Bank REPEATEDLY not to let anyone into my account. I have asked them to block any merchant from taking funds. I get my direct deposit into this account and transfer it to another accounts. 

There have been over {$300.00} in fess this year alone!!! 
Recently, I had two {$35.00} fees for automatic purchases with one purchase under {$10.00}. Still I received a {$35.00} fee. Is a 300 % fee LEGAL. 

When Chase would not reverse these fees the next day, I asked for my account to be closed. I said I would pay whatever I owe them, it was over drafted, but not their usurious and excessive fees. 

After asking for a refund on fees, asking for my account to be closed, I get this statement ( attached ) that CHARGES me ANOTHER FEE for my account. I can not even use my account. I cant log into my account BUT CHASE IS STILL CHARGING ME FEES This had to STOP!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

XXXX  days have passed. With no response. Items are supposed to be removed as XXXX  days have now passed under XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ), Equifax is required to notify consumers of the results of reinvestigation within XXXX days
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with a Equifax representative by phone to update inaccurate personal information and dispute unauthorized inquiries on a my credit report. I was told that the inaccurate information would be removed, to include name, addresses, telephone numbers and employment information. During the same telephone call, I inquired about what needed to be done to remove unauthorized inquiries as a FRAUD ALERT should have been on my files AND I never received a call from anyone inquiring about an offer to extend credit.. While there was no clear answer to the question, the rep took all the information in regards to the accounts that were unauthorized so I was under the impression that ALL of the requested information was being updated during the call. I was told that I could call back after 24 hours with the provided confirmation number and check the status. I called back after 48 hours and kept receiving an error message.
Several days later I received mail that appeared to be the result of EQ verifying that all of the requested information was valid. I later even received an alert notifying me that the incorrect employer that I requested to be removed WAS added to another credit reporting agencies report.
How was EQ able to verify that the information was valid in 2-3 days? If there was ( like I was told there was ) a fraud alert on my account, how were the inquiries able to be made? I feel like this inaccurate information is affecting my ability to obtain free credit reports as well as obtaining credit in general. I am requesting this to be rectified immediately as I would like to be a creditworthy individual.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the validity of XXXX XXXX account thats being reported on my most recent credit report. Upon challenging this, XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Transunion they have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced I asked to please DELETE this account from my credit report immediately. I have also submitted and FTC report # XXXX in XXXX and the account still remains as VERIFIED with no documentation or verification on how this account is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for XXXX XXXXXXXX in XXXX and completed the process in XX/XX/XXXX. The Trustee closed the case and it is reported in XXXX XXXX as a closed account. It could not be reported as discharge because of a prior XXXX XXXX discharge which is correctly reported on my report. 

I have tried to contact the credit bureaus more than four times because they are reporting the case as DISMISSEd and not CLOSED. I have provided a copy of the Court 's filing which indicate the case is CLOSED along with a copy of the XXXX XXXX report also showing it CLOSED Each time Experian, XXXX, and XXXX have stood firm not changing the status. 

According to the bankruptcy rules, it states : Since bankruptcy reform in XXXX, someone who files a XXXX XXXX right after their XXXX XXXX doesnt get a discharge in the XXXX XXXX case. 

After speaking with the XXXX 's office, they confirmed the above and reaffirmed that the case was NOT DISMISSED, but CLOSED and they do not understand why it is being reported as DISMISSED. 

Furthermore, A dismissal is usually a loss. It means the bankruptcy case was closed before a discharge was entered. THIS IS NOT THE CASE. 

All payments were made over the 60-month process, the Trustee accounting was finalized and the case closed - again, because of the XXXX XXXX discharge another one could not be entered because it was within the 4 years of filing the XXXX XXXX. 

I would like the credit bureaus to correct their recording which if it remains dismissed if there are other creditors I may once again fall into harassment from them trying to collect a debt that has been taken care of under the Bankruptcy law.
Product: Credit reporting, credit repair services, or other personal consumer reports

By not reporting the entire account number they ( CRA ) are not complying with Section 609 of the Fair Credit Reporting Act.

Per FTC Opinion letter " in sum it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide " accurate '' ( and perhaps not " clear '' ) disclosure of " all information '' in the file.
Product: Money transfer, virtual currency, or money service

Money was going missing also account was shut down for no reason
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/year>. I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

Subject : Cease and Desist Collection Efforts Invalid Debt Due to Charge-Off Without 1099-C Filing Account Number : Client Name : XXXX XXXX To Whom It May Concern, This letter serves as formal notice that I am disputing the validity of the debt your firm is attempting to collect on behalf of XXXX XXXX. According to my records, this debt was previously marked as " charged off '' by XXXX XXXX, and to date, I have not received a Form 1099-C ( Cancellation of Debt ), which is legally required under federal law when a creditor cancels a debt of {$600.00} or more. The absence of this form indicates that the creditor has not lawfully canceled the debt, yet your firm is now attempting to collect. 

Please be advised that under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have rights that protect me from unfair, deceptive, and abusive collection practices, as well as inaccurate reporting of debts. Your attempt to collect on a debt that was charged off without a proper 1099-C filing violates both the FDCPA and the IRS requirements , as it creates confusion about the true status of the debt. Your firm may be facilitating deceptive practices, and I am prepared to pursue this matter in court if necessary.

Further, this collection attempt violates IRS regulations under 26 U.S.C. 6050P, which requires creditors to file a 1099-C when they have discharged debt. The failure to file this form indicates that your client has either not followed through with the legal charge-off process or is attempting to maintain the collection rights despite not fulfilling their legal obligation to report the cancellation of debt to the IRS and to me.

In light of these clear legal violations, I demand that you cease all collection efforts immediately. Additionally, any further attempts to collect on this debt without first correcting the reporting to both the IRS and my credit report will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any applicable bar association regarding your unethical collection tactics. I will also explore all available legal remedies, including a lawsuit for damages, legal fees, and other appropriate relief under both state and federal law. 

I expect written confirmation within 30 days that you have ceased all collection activities and that your client has either properly issued a 1099-C or will remove the charge-off from my credit report entirely. Failure to comply with these demands will be met with aggressive legal action on my part.
Product: Debt collection

{$310.00} at Speedy cash that I did not do. I was XXXX  at the time of the opening of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXXXXXX XXXX XXXX ; {$120.00} Balance This account in collections with XXXX XXXX XXXX is a medical bill that was already paid by my SECONDARY health insurance and violates the 180 day reporting of medical bills on credit files. The original debt collector and XXXX XXXX XXXX have not made effort to contact me about this debt. I ask that this account be removed from my credit file immediately for violating the 180 days agreed upon by three credit reporting agencies and the New York attorney general inXX/XX/2015. I dispute that this medical bill was paid by my secondary health insurance and there was no attempt by XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Can you please verify the documents? Some of the accounts listed have inaccuracies in reporting, including the amounts and dates.
Product: Mortgage

On XX/XX/year>, I noticed my tax escow amount did not compute correctly given my XXXX condo and appeared to be for a XXXX single family home. The parcel number was completely incorrect. The incorrect parcel 's mortgage note for XXXX and XXXX is {$2400.00}. The correct parcel 's mortgage note is {$1200.00}. I talked with XXXX Lakeview customer service lines : customer service and tax. In a phone call, the tax department informed me that a ticket to change the parcel ( due XX/XX/XXXX ), send in a tax refund application to the XXXX XXXX for the incorrect parcel ( due midXXXX  ), and escrow analysis request ( due XX/XX/XXXX ) in order to get this resolved. On XX/XX/XXXX, I call in the Lakeview tax service line.I see that this escrow analysis ticket was denied, their explanation was that the parcel was not changed to the correct one at the time of escrow review. I get another escrow analysis ticket made with the Lakeview tax service line. They inform me that this should be done on XX/XX/XXXX. I have not paid the XXXX mortgage note and am now assessed a late fee. On XX/XX/XXXX I call in and am told to pay the XXXX mortgage as the XXXX mortgage note is now correct. I pay {$2400.00} for the month of XXXX including late fees and check in the next day XX/XX/XXXX. A person on the Lakeview customer service line says she will be able to waive the late fee. The reason I checked in the next day was because you can not pay XXXX months of mortgage notes in the same day. The XXXX mortgage note is still {$2400.00}. I initiate a check cancellation as I was misled by Lakeview. During this time XXXX XXXX day, I am interrupted daily by delinquency calls by the Lakeview collections XXXX. On XX/XX/XXXX, I call Lakeview customer service line. I am told again that I need to pay, I am insistent on the late fees behind dropped as the delay in my non-payment was caused by the Lakeview servicing inability to correct my mortgage note to {$1200.00}. On XX/XX/XXXX, I respond to a Lakeview collections dept call, I am transferred to Lakeview customer service line, am told that the XXXX collections note is now correct and I decide to pay the XXXX mortgage note, I am insistent on being refunded again for the late fees and return check fee.The Lakeview customer service line says they can not do that but I have been escalated to have a supervisor call me. I transfer to the Lakeview Tax service line I request an tax refund application ID or any form I can see to know that XXXX XXXX has received a tax refund application. I am contacting the Consumer Financial Protection Bureau due to Lakeview 's repeated failure to correct my mortgage escrow in financial penalties and ongoing delinquency calls despite their admitted error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXime 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, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

looked at my report back on XX/XX/XXXX, and noticed some things are not accurate due to fraudulent accounts.. 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. These accounts XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX were opened using my information due to data breaches and resulting in the fraudulent accounts. 

I sent a letter asking them to send documents showing signatures of all parties involved and never received these documents. I have been attempting to get these accounts removed with the companies and the credit bureaus themselves. 

They sent the investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate as again these accounts were open due to fraud.

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 ( 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 this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

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: Credit reporting or other personal consumer reports

Im reaching out because Ive had enough of the constant errors on my report. These inaccuracies are dragging my score down, and its costing me real opportunities. Its beyond frustrating to see mistakes that I didnt create hurt my future. It feels unfair and exhausting to deal with this time and again.
Product: Debt collection

XX/XX/XXXX my husband was at urgent care to which the called XXXXXXXX XXXX ambulance services were called to transport to hospital. As of today XX/XX/XXXX we have not received a bill. On XX/XX/XXXX we received a collections letter from American Accounts & AdvisorsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I called on XX/XX/XXXX I called the company. I spoke to XXXX about this collection. He gave me the dates that he had for XXXX and stated that it was put through to XXXX. He stated that was all the information he could give me. I asked the name of the company that had sent this to collection. He stated he could not give me that information. 
I looked up XXXX Ambulances phone number. I was told they had nothing on file. Checked deeper into the website for another phone number. There was a note on the page that Stated if you are calling about a bill prior before XX/XX/XXXX please contact XXXX XXXX at XXXX. I left a message. 
While waiting for a callback, I called my insurance company. They could not find a submittal for that date of service. I was told that the time frame for submittal had expired. 
I then called XXXX. They too had no submittal. 
On XX/XX/XXXX XXXX return my phone call. He stated that the City of XXXX was no longer on good terms with the billing company. He did give me the name and number of this company. As of XX/XX/XXXX they changed billing companies. The new company that does the billing now would not take on the collection of debts prior to them taking over. My understanding is that XX/XX/XXXX the city of XXXX gave the prior company the debts that they had not collected or billed. So basically the city and this company screwed us as well as most likely others. I learned that this company had sent collection letters out in the last XXXX weeks. I asked how many bills the contract states that they send before collections. Multiple was the answer I received. We have not gotten any, requested a copy of the contract that states this. I left a message with this company on XX/XX/XXXX, I have yet to hear from them nor can I find an e-mail address. 
The companies name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This bill was {$2200.00}. Which the insurance company would have paid aside from a {$100.00} deductible. 
I have spent countless hours on trying to rectify this situation that I do not feel we should have to pay due to bad business practices. 
The collection is currently in dispute. I also called the collection agency to follow up with the information I had learned. I spoke to XXXX XXXX XXXX who was very nice and took down the recent information. 
I am not sure if you can help with this or direct me to someone that can help. 
Thank you for your time, XXXX XXXX XXXX XXXX XXXX