23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Someone initially started using first name and social to obtain medical treatment. In the late 2011 's I had my identification including social card, insurance card for medical, and car and driver 's license stolen. When I saw the damage, this fraudster did I almost passed out. Police did n't even want to help and directed me to government nonprofits to deal with the creditors, and credit bureaus initiated several disputes with Experian, XXXX, and XXXX over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. If feel like this mistreatment is racially motivated bc of the climate, we 're in. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. Companies like XXXX are one in the same, but neither one can help I think me and XXXX Americans are being misled by the credit reporting agencies. Thank you for helping me ~ XXXX XXXX
Product: Debt collection

Debt Collection Company : Resurgent Capital Services Address : XXXX XXXX XXXX XXXX MI XXXX Phone : XXXX Amount {$1600.00} Date : XX/XX/year> Reference XXXX I received several emails from LVNV Funding LLC states that I owe them {$1600.00} from XXXX XXXX XXXX. When I received that, I immediately printed and ask to verify the debt which I owe. Now I received emails from Resurgent Capital Services states state the debt from LVNV Funding is placed with them. I also printed and sent a request to verify the debt which I own from XXXX XXXX. Everything I have done my mail, so that I have the record. Resurgent sent several letters for the debt which I owe with the bank statements for several months, but they failed to supply the proof that I own them the debt. I am waiting for to reply which they did by sending a letter states that " If I don't pay the amount in six months, they will put my account into a " prelegal ''. I think I know this, law suit ''. I want to complain that the company made a thread to me because I have failed to disclosure the debt which I owe to the XXXX  XXXX. I under super stress right because of this letter. I have six accounts under collections, and I don't how to pay them. I do have a job, but it now enough to cover all these debt collections. I know I am in bad situation, but I just make that every debt wants to collect a debt, I want to sure that I not part of statistics of been scammed. I always ask collector to verify the debt, before I pay any penny.
Product: Checking or savings account

I was expecting a refund from a retailer to my newly open, but closed checking account. The bank forced me to close the account, but never said why. After weeks of not receiving the refund, I went the branch I opened my newest checking account. The banker filed a claim through the bank, and I was instructed that a credit would be issued for the entire amount of the refund. Instead, the bank used a portion of the claim/refund to pay off another unrelated chargedoff account. But I disputed the charges because I was in prison and did not make the charges. The bank never responded to my written dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$990.00} XX/XX/XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX $ XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXXXXXX {$1500.00} XX/XX/XXXX
Product: Credit card or prepaid card

I have notice XXXX unknown transaction of {$340.00} and {$260.00} on XX/XX/XXXX in my XXXXXXXX XXXX XXXXy from that day i tried to contact their helpline and they transfer me to another department and put me on long hold more than XXXX minutes each time i wait but no body answer then i right email to them they replied with the same credit card department phone number which i tried XXXX times till that day. 

Please help XXXX XXXX XXXX
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

*****SEE ATTACHMENTS****** Hi XXXX XXXX/CRA/CFPB ; My name is XXXX, and for the last 3-4 months I been trying to resolve the accounts below under my consumer rights FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), and under Section 611 ( 5 ) ( A ) ( a ) ( 7 ) of the FCRA, and 15 U.S. Code 1692g - Validation of debts _ U.S. Code _ US Law and both the bank XXXX Bank and credit bureaus have failed to investigate this account. I can not accept a pre-printed templates as a proof of investigation. IF you look at the screenshots below or attached, you will noticed that there are different dates of 1st delinquencies, dates of last reported, dates of last active ( e.g. Date Last Active : XXXX : XX/XX/XXXX ; XXXX : XX/XX/XXXX ; EQUIFAX : XX/XX/XXXX ), and inconsistent with payment history. 

Listen, if this account was indeed verified or investigated, the account status would being updated, and there werent be multiple inaccuracies still reporting. Due to these inaccuracies and violations, I demand that this account be deleted from my credit report effective today. 

I also called and went into the XXXX Branches and they have different and questionable balance reported. They said that the balance that they have in the system is {$7700.00}, but the credit reporting agencies are reporting {$6100.00}. Again, as you can see, there are wrong balance, inconsistent payment status and history, account status never updated, wrong dates of last active, 1st delinquency, dates of last reported etc. Too many inaccuracies to report>DELETE NOW FROM MY CREDIT REPORT!!!! 

Delete now because I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens mo XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists. FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), and under Section 611 ( 5 ) ( A ) ( a ) ( 7 ) of the FCRA, and 15 U.S. Code 1692g - Validation of debts _ U.S. Code _ US Law
Product: Checking or savings account

Note to previous question. I have not tried to solve this problem with Bank of America because I do not have a contact there. 

The problem started with Truist bank not reimbursing my company XXXX XXXX XXXX XXXX XXXX XXXX for fraudulent checks which they accepted drawn on my account. I have already filed a complaint ( # XXXX ) against XXXX bank asking for the return of these funds. Please refer to this complaint for more detailed background on the case. 

XXXX Bank sent me a letter ( copy attached ) which said that the problem needed to be resolved by Bank of America because the checks were cashed at a Bank of America site. 

This complaint is being lodged against Bank of America for recovery of these funds. Since I have never dealt with Bank of America ( only XXXX has ), I do not know who to contact at Bank of America to get action on this case. This is why I am unable to try and resolve the complaint with them first.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion should not be reporting that I am an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having trouble with XXXX XXXX and its reporting of fair, accurate and complete information per guildlines of FACTA/FCRRA to the credit reporting agencies XXXX, Equifax and XXXX, regarding the six ( 6 ) student loan accounts. I have submitted multiple disputes with the said credit reporting agencies, only for the information in question to return back verified, from the agencies. In the attachments you can see that they are reporting multiple late payments in excess 120 days in addition to comments designed to further hurt my credit score. Furthermore, XXXX XXXX has also taken steps designed to further damage my credit by submitting that there is a Freeze, on my credit file. It is in my strongest opinion that I believe XXXX XXXX to be in multiple violations of FACTA/FCRA. I am submitting proof that my account at that time, beginning XX/XX/2016, was in forbearance/deferment which would show that the  negative reporting in fact are incorrect. Once forbearance/deferment is granted, it is good for twelve ( 12 ) months. At the end of the twelve ( 12 ) month period if one chooses to remain in the program, an addition application is to be submitted. In addition, as evident in my attached credit reports, XXXX XXXX is failing in its reporting of complete information, as there is a number of months of unavailable account information, being reported. The failure of the company to report fair, accurate and complete information per the FCRA has severely impacted my ability to build relationships and obtain credit from other lenders/financial institutions. I have tried on mulitple occasions to have the XXXX, Equifax and XXXX  remedy these errors
Product: Debt collection

Once again this company has disrupted my day and called me during business hours when I have clearly told them to no call me from XXXX XXXX Constantly calling claiming I owe them 1000+ when I already settled it with the insurance agency.
Product: Debt collection

I was notified by Chase I owed money for use of XXXX XXXX  services.. XXXX  As a XXXX alumnus I contacted XXXX directly XXXX 
They told me that my account had been hacked and they would resolve. 
Charges were withdrawn Then charged reappeared. I contacted XXXX, Chase. 
By then it was determined that using my credentials the services we utilized by via XXXXwo IP addresses.

The breach of my account is a matter of record.

I contacted Chase Security and requested information about the charges an identity theft.

Chase security manager didnt have a clue. I tested her with a couple of cybersecurity questions I used to interview candidates to determine what the capabilities of the Chase team Their procedure was to believe what they were told by their enterprise client.

I have a meeting set this Thursday regarding my account usage, which is zero as I use Alphabet and XXXX XXXX. I just dont believe in XXXX qbit approach. 
It is easily verified that I always pay my bills and still do. Except this Chase charge.

I do not pay for something I didnt use.

I want all of the Chase data provided to me to get this resolved before I file charges against Chase. 
I will save emails files and provide the files if needed
Product: Checking or savings account

I wrote a check for fuel bill which was XXXX which was only cleared for XXXX there was enough to cover check I just received new fuel bill with added fees and additional XXXX added on bill I clearly remember community bank charging me in the past XXXX. A day fees to them which caused me much financial distress as I was hospitalized and had XXXX XXXX XXXX with valve replacement and the bank didnt want to hear any of it .i think its fair I get XXXX a day for there error no matter what Ive had several issues with the community banking system and it time they make it right
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$54.00}, XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$50000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}
Product: Debt collection

On XXXX XXXXXXXX XXXX, I received an alert from the credit monitoring site showing that I have a collection with XXXX which was included in my bankruptcy. At first it showed included in bankruptcy but now it has that it's a collection. I filed bankruptcy on XX/XX/XXXX and it was discharged in XXXX XXXXXXXX XXXX  XXXX was one of the companies that I put in the bankruptcy. My bankruptcy case number is XXXX. This is the second time this has happened. I never received any type of correspondence from the collection agency to dispute the validity of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

- XXXX XXXX XXXX XXXX XXXX XXXX il XXXX - XX/XX/XXXX I have recently been informed that there is negative information reported by XXXX XXXX Bank In the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing as an closed account and that the balance I owe is {$290.00} reported closed XX/XX/XXXX. XXXX I challenge the accuracy, compliance and reportability of this account. 

Please validate this information with XXXX XXXX Bank and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

attached below the account numbers and account names of all inaccuracies & fraud reported on my credit report. I have tried to resolve the under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in 4 days or CFPB VIOLATION occurs Also under code 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

( DELETE ) Creditor Name XXXX XXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX XXXX Creditor Name DP OF EDUC XXXX Creditor Name XXXX XXXX Creditor Name XXXX  XXXX XXXX Creditor Name XXXX XXXX XXXX  XXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX Creditor Name XXXX XXXX Creditor Name XXXX  XXXX XXXX
Product: Debt collection

Never received a letter about the debt or an email about it from the collection company. I need more information about it.
Product: Debt collection

I received a letter from D & A Services LLC of IL stating that they are trying to collect a debt that belongs to the current creditor XXXX XXXX XXXX XXXX. 

1. There is no debt validation & verification showing that I am responsible for said debt. 

2. Both D & A Services LLC of IL and XXXX XXXX XXXX XXXX are not licensed in the state of Florida to collect a debt.
Product: Credit reporting or other personal consumer reports

A medical debt from a Vet was paid in full to the medical office. This debt occurred due to medical treatment of my pet. The Vet is a Dr and the amount owed was medical debt under {$500.00}. Ive repeatedly disputed this trade line with all credit bureau and the have not correct the issue. This medical debt of {$280.00} was paid in full to original creditor and is to be removed since it is medical debt as classified by the the credit law. CFPB said that the three largest credit bureausXXXX XXXXXXXX, and XXXXannounced that all paid medical debts and unpaid debts less than a year old would be removed from credit reports. In XX/XX/2023, they extended this to all medical collections under {$500.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear XXXX, I am writing to dispute inaccurate information that appears on my credit report. The items in question are [ describe the inaccurate account and collection ]. These items are inaccurate and do not reflect my actual credit history. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these inaccuracies be investigated and corrected as soon as possible. The FCRA requires consumer reporting agencies to ensure that consumer reports are accurate and to conduct thorough investigations of disputed information. Furthermore, it mandates that consumer reporting agencies follow specific procedures before reinserting previously deleted information into consumer reports. 

According to the Consumer Financial Protection Bureau ( CFPB ), XXXX has been found to conduct faulty investigations that fail to address consumer disputes properly. It has been reported that XXXX uses flawed intake procedures and does not convey all relevant information to the original furnishers. Additionally, XXXX has been known to reinsert inaccurate information without matching it with records of previously deleted information. 

Therefore, I am providing the necessary documentation to support my dispute, including [ list of supporting documents ]. I expect XXXX to conduct a proper investigation and provide me with the results. 

If these inaccuracies are not promptly corrected, I will consider taking further action, including filing a complaint with the CFPB and seeking legal advice. 

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

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2017 I sold my lite coins shares on the Coinbase consumer site. I attempted to withdraw XXXX From my Coinbase account. I have not received the amount withdrawn. Coinbase customer service has claimed they escalated the claim and passed it to specialists. I have yet to hear back from any representatives of coinbase and still have not received the money. After numerous attempts I am unsuccessful.
Product: Student loan

Was previously with Navient during my enrollment at XXXX XXXX University from XXXX to XXXX. Was placed on forbearance due to difficulty making a XXXX a month payment. Tried multiple times to refinance or get a better payment plan and was refused. When XXXX took over my loan from Navient, not only are they offering better and affordable monthly payments but they were also very helpful in enrolling me in public service loan forgiveness for law enforcement which Navient advised me was not available with them despite my loan types. Prior to graduation from XXXX in late XXXX, my student loan debt total was about XXXX however after graduation, and after my forbearance my total owed sky rocketed to almost XXXX owed and the explanation given from Navient was that it included interest accrued while I was enrolled in school.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX XXXX - XXXX - {$1800.00} I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Credit card or prepaid card

I made a payment ( XXXX ) to my card equal to a purchase I had made on my card on XX/XX/2023 not in excess of my limit ( XXXX ). With no notification whatsoever, my card was suspended / available limit set to XXXX. I only found this out after attempting to use my card and it was declined. I called the toll-free and spoke to three ( 3 ) Chase reps, none of whom could not explain to me why my the remainder of my limit was not accessible and that my card would be unusable for 7 days. I was told by the third customer service rep that my options were ask for a credit limit increase ( which probably would not fix the issue ) or just wait the 7 days.