23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I want to dispute a collection posted in my credit report from XXXXI had an account with XXXX until XXXX XXXX on that date closed the account but they said it was an outstanding balance. I did not agree with the that but XXXX started calling me every day and send me letters and finally they sent the information to credit bureau. when I saw this I decided to pay that amount so in XX/XX/XXXX I made two payments, the first for XXXX usd made by my credit card XXXX XXXX, the second for XXXX usd made using my debit card XXXX XXXX XXXX. Despite having paid comcast he continued calling me and sending me letters demanding payment. In XX/XX/XXXX I made a dispute and they temporarily removed the information from my credit report. Later I received a phone call from an agent telling me that XXXX was not able to find the payments so I send them the statements of XXXX transactions. This month comcast appeared again reported the debt to the credit bureaus even when I sent my payments proof. I would like to know where are the payments that I made. Even if I paid again what security i have that the same will not happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few accounts listed on my credit report and inquiries that I did not authorize. Please remove them.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$370000.00}
Product: Mortgage

To whom may this concern : I have been with Lakeview Loan Servicing, LCC since I purchase my house on XX/XX/XXXX. Since that time, I have recruiting payments online through their website services. On XX/XX/XXXX, they made 3 times charges to my mortgage for {$2800.00} ( these charges were reflected on my bank statements on XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX. I contacted Lakeview Loan Servicing, LCC several times back and forth with the bank and I tough I finally got everything clear. Out of these 3 charges to my account, Lakeview Servicing, LCC got its XXXX mortgage payment and they sent me a check for the amount of {$2800.00}, but the bank and I noticed there was one more payment missing in their end. 
From XXXX to XXXX, I had a dispute with them for my {$2800.00} that was missing on Lakeview Servicing, LCC and it seems they will never found it. To make things worse, they sent me documents for Pre-Fore closure. My bank finally retrieved there {$2800.00} from XX/XX/XXXX and they gave me temporary credit. My complain is : 1st. Lakeview fail to find out and do an audit to their employees about that missing payment in their end. 2nd. Every time I called them, they were trying to collect more mortgage payments because according to them I was delinquent in my payments, even do they knew my case, and they knew the bank would not allow me to make more payments. 3rd. They sent me PRE-FORECLOSURE documents. 
On XX/XX/XXXX, I finally was able to clear my missing check with the bank, the bank retrieved the payment for XX/XX/XXXX from Lakeview Loan Servicing, LCC. Finally I pay my mortgage for XXXX, XXXX and XXXX. But I believe its more to come from this mortgage company.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

Resolution : Delete this these accounts unless you want to be held accountable for {$1000.00} per account
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a fraud alert on my credit reports around XX/XX/2021. I reached out to Transunion Customer Service to file disputes on transaction I didnt recognize. After being aware of the their data breach some months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

My privacy rights are continuously being violated per 15 U.S. Code 6802. I did not provide any expressed consent to the following companies to furnish information onto my consumer report : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. Also, the following financial institutions are in violation of my rights, being that they did not clearly and conspicuously provide me with the option to opt of consumer reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No acct number ) ; XXXX XXXX ; XXXX XXXX XXXX  XXXX ; XXXX  ; XXXX XXXX. I was not given a choice whatsoever. No consent is identity theft! On four occasions, I have contacted the three major credit reporting agencies XXXX, XXXX, and Experian, via certified mail, informing them of these matters and nothing was done as a result. These agencies do not seem to not have any respect for my privacy, as it states they are to have under 15 U.S. Code 1681. I have no indication that any fair and equitable procedures or investigations took place as a result of my dispute requests. None of the remarks or comments for the disputed accounts stated that they were in dispute, nor did I receive any notifications or alerts informing me of a dispute. I also requested that I be sent a copy of my consumer report upon completion of said investigations, which I was never mailed any. Lastly, I also informed the reporting agencies of several instances of incorrect data. I took my precious time to highlight, annotate, and remark my tri-bureau consumer reports so that they could have an easier time investigating. Nothing has changed on my reports. Myself, as well as the credit reporting agencies, are able to see the same exact proof of inaccuracies, yet they have done nothing about it. There are also discrepancies regarding payment history for a couple of accounts that I do not wish to have removed, but to have corrected instead from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/21, I set up a payment to my real estate manager who needed to pay a subcontractor who was putting a roof on one of my properties and wanted to be paid cash. On XX/XX/21, I received email saying the funds were sent and directing me to provide a number to the recipient for pickup. I did so, but today ( XX/XX/21 ) when the recipient went to pick up the funds they were told the number was invalid. I called Moneygram to try and determine what the issue was and was told it was being held for my protection due to scams etc., which I could obviously appreciate. I was asked a series of questions which I answered explaining I had known my manager for 4 years, the purpose of the payment, his phone number and more. I was put on hold for " 3 minutes '' while a review was made. The call was disconnected about 2 minutes later. I called back and explained what had just happened and was told that the transaction had failed the security check and funds would be returned to me in 10 business days. I asked why this couldn't have been determined before I received a message saying the funds were sent and instructing the recipient to go and pick them up. The agent merely repeated that the transaction had been canceled. I explained that I was on the phone with another agent 15 minutes earlier to whom I'd just provided relevant information and asked when this decision was made. I was told it had been made today ( XX/XX/XXXX ). I have wasted close to a week on this and am fortunate to have a manager who out of the kindness of his heart is paying the subcontractor while I look for a competent company who can do the funds transfer. Though I hope to be a huge XXXX some day, right now I only own 4 properties and having to take {$18000.00} off of my books while I wait for 2 weeks for my {$9000.00} to be refunded is creating a needless burden. I notice it took them about 10 business minutes to extract the funds from my account. Again, I appreciate the effort to protect consumers from scams, but the info I provided made it clear I wasnt paying a tax scammer, customs fees for the millions I was about to inherit, etc.
Product: Credit card

XXXXXXXX XXXX XXXX I decided to close my Kohls credit card account. I contacted them with the request, I do not owe any money. The assured me the account is closed. I am receiving emails from Capital One about changes in my Kohls credit account ( XX/XX/year> ). When I contact Kohls the customer service representative says they can not close the account on their side. They do not tell me why, it's just that the customer service rep does not have the authority to close the account. 

The automated system wants my credit card number, I destroyed the card after closing the account. The customer service rep says they can remove my name from emails, but that does not close the account. 

As a consumer, there is no way I can verify the account is closed, and the customer service rep does not see the account as closed, just no email. This is very deceptive that Kohls leaves my account open, but just doesn't tell me. I feel my personal banking information is compromised because I used my banking info to pay my Kohls charges. 

The representative from Capital One called me and said they did not have me on file, but the emails I receive come from Capital One, so they do have me and my personal information on file.
Product: Credit reporting or other personal consumer reports

I am writing to request your kind assistance with an important matter concerning my credit report. Due to the unprecedented circumstances of the COVID-19 pandemic, I experienced significant personal and financial hardship, which has inadvertently affected my credit history. During the peak of the pandemic, I XXXX  XXXX and faced a life-threatening situation that left me incapacitated for an extended period. As a result, I was unable to manage my financial obligations effectively. It is my understanding, During the pandemic, the CARES Act amended the Fair Credit Reporting Act ( FCRA ) to address accommodations for consumers impacted by XXXX. An accommodation includes relief granted to those affected by the pandemic between XX/XX/year>, and 120 days after the termination of the COVID-19 national emergency. 

During this time, my vehicle was totaled, and the responsibility for the associated loan was transferred to my ex-partner as part of our separation agreement. Unfortunately, there was a delay in the insurance payout for the totaled vehicle, and the loan servicer did not communicate this situation to the credit bureaus. I have been informed that the loan was eventually settled in full by the insurance company. However, the lack of communication from the loan servicer during the insurance claim process has resulted in late payment entries on my credit report. 

In light of these extraordinary circumstances, I respectfully request that Transunion invoke the protections afforded by the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act. The CARES Act includes provisions for consumers who have been impacted by the COVID-19 pandemic, allowing for accommodations to be made regarding the reporting of certain credit information. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

I called Bank of America twice and visited a branch office as well because my debit card is not allowing any type of purchase. It only allows withdrawals from Bank of America ATMs. They insisted that my card is fine and they refuse to issue a new card. They also wont allow me to request a new card in the Bank of America App. This is causing major problems. They are acting very shady and deceptive with me all while holding my money hostage.
Product: Debt collection

Debt was paid by XXXX XXXX ( primary ) and XXXX ( XXXX ) when billed. Then payment was retracted because I went on XXXX during this period and advised the doctors office of the change, but they failed to make changes in their records that my primary insurance switched to XXXX and XXXX was XXXX. The doctors office submitted the claims after XXXX year of the dated service and the insurance companies refused payment. This was the doctors office fault, not mine. they sold the account to KLS collection agency. 
When I informed Kross, Liebrman and Stone that I refuse to pay a debt that was over three years old according to NC general statute about debts not collectable they viciously set out to ruin my credit and cause me great financial greef because they new I was right and this was there way getting even with me.
Product: Student loan

My federal perkins loan provider ( University Accounting Services, {$1200.00} ) changed my " in-school '' status to " out-of-school '' while I was still in school. I officially graduated in XX/XX/XXXX, but on XX/XX/XXXX I discovered through a credit check that I had missed 5 payments to University Accounting Services. Once I discovered this I paid the loan in full, including late fees ( {$48.00} ) and asked them to remove the complaints from my credit record. I was told they would look into it but I have not heard anything since. I emailed them on XX/XX/XXXX and was once again told they would look into it. I was supposed to have a 6 month grace period, so my first payment should have been due in XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/XXXX, I was working at a XXXX XXXX and XXXX guys came in to use the service. After completing the service, around XXXX they said they would pay via XXXX and mentioned that the transaction could only be done by sending a request to their phone number. After I unlocked my phone and logged in, they snatched my phone and made a {$XXXX} transaction. Then they even punched me in the face to escape. I immediately reported this to Chase Bank afterward. Chase refunded the money to me on XX/XX/XXXX, but they took it back again on XX/XX/XXXX. I tried contacting Chase again, but the reason they refused to return the money was that I had initiated the transaction and used the fingerprint feature on my phone. Of course, I did that, but they took my phone and committed the crime afterward ( they don't stole my phone, i still able have it back ). I have a police report and videos of the entire incident, but Chase still denied refunded the money to me.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX, an auto loan account opened at XXXX  XXXX auto on XX/XX/XXXX, a XXXX  XXXX card on XX/XX/XXXX, a XXXX XXXX/ XXXX XXXX on XX/XX/XXXX, an XXXX acct. on XXXX XXXX, XXXX, personal loan account opened at XXXX XXXX on XX/XX/XXXX, a XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX and all addresses that are inaccurate. that appears related to the aforementioned hard inquiries account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX and XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC report. aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.
Product: Debt collection

I checked my credit scores with three major credit reporting agencies and noticed a collection account from National Credit Adjusters on behalf of a credit card company named " XXXX '' in the amount of {$870.00}. I contacted the collection company, which has never supplied any verification or proof and who continues to be indifferent to the fact I never had or applied for such a card. I have submitted a formal complaint to the Attorney General of Kansas about this collection company as they are located in XXXX, Kansas, as well. Being penalized for something I did not do is of course, unethical and causes me time wasted and blemishes my credit. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts and Id like to dispute this inaccurate information. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. These discrepancies are due to an error and seek your immediate intervention to rectify it. The companies associated with these accounts confirmed the errors when I talked to them via phone call and assured me they will correct my accounts. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. If you require any supporting documents or information from me to expedite this process, please let me know. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Information in My Credit Report Dear Experian XXXX Department, I am writing to formally dispute inaccurate information contained in my credit report. As the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian for failing to properly investigate consumer disputes, I am concerned that similar violations may have impacted my credit profile. 

Upon reviewing my credit report, I identified the following inaccuracies : 1. Failure to Delete Inaccurate Information The following account ( s ) contain incorrect information that should have been removed : Wrong address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Information went under wrong address and personal information was exposed. 


2. Reinsertion of Previously Deleted Data I have previously disputed and had certain negative items removed, yet they have been improperly reinserted without proper notification. 

XXXXXXXX XXXX XXXXXXXX opened on XX/XX/XXXX paid in full {$1100.00} Disputed XX/XX/XXXX for a negative report - XXXX XXXX XXXX  Negative report after charge off {$1100.00} Opened XXXX XXXX XXXX Disputed on XX/XX/XXXX Disputed on XX/XX/XXXX - XXXX XXXX XXXX Account charge of settled {$750.00} Negative report Disputed on XX/XX/XXXX. 
- XXXX XXXX XXXX. 
Account closed .with a negative report Settled 3. Failure to Properly Investigate My Previous Disputes I have submitted disputes regarding the above accounts, yet Experian has failed to conduct a thorough investigation or provide adequate reasoning for the outcome. 


4. Overreliance on Furnishers It appears Experian has relied solely on the furnishers verification without independently investigating my disputes. This does not align with federal requirements under the Fair Credit Reporting Act ( FCRA ). 


5. Failure to Provide Adequate Notification I was not properly informed of the results of my previous disputes, leaving me unaware of any actions taken on my credit report. 



As per the FCRA, Experian is required to conduct a fair and reasonable investigation and correct any errors found. Therefore, I request the following actions : A complete reinvestigation of the disputed items. 

The removal of all inaccurate or unverifiable information from my credit report. 

A written response confirming the corrections made and an updated copy of my credit report. 

Notification to any furnishers that provided inaccurate data, ensuring that these errors do not appear again in future reports. 


I have attached copies of all supporting documents, including my identification and any previous dispute correspondence, to substantiate my claims. 

Please address this matter promptly, as required by the FCRA. I expect a response within 30 days. If Experian fails to comply, I am prepared to escalate this issue to the CFPB and other regulatory agencies. 

Thank you for your immediate attention to this matter. Please contact me at XXXX or XXXX should you require additional information. 

Sincerely, XXXX XXXX
Product: Debt collection

JEFFERSON CAPITAL SYSTEMS is a collection agency for XXXX. XXXX claimed I owed them XXXX for a phone I never received. However i found out they delivered the phone to the wrong address. Yet they still have this on my credit report. I have asked them multiple times to remove this. Yet they still refuse and continues impact my credit score. This is wrong and I want this company to remove all information and derogatory penalties they have placed on my report.