23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

DEAR ACA OF BOSTON ; Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally disputed late payments. I ended up sending goodwill letters asking for late payments to be removed to American Educational Services. Now on my reports its says that i am still disputing, which I am not, after resolution. I sent letters saying I am not disputing and to remove statement several times off my credit reports to the credit bureaus and AES with no response. I would like the statement removed.
Product: Credit card

FIRST PROGRESS CARD IS REPORTING TO XXXX AS COLLECTION/CHARGED OFF AND CHARGED OFF IS CONSIDERED A CERTIFICATE OF INDEBTNES/ INCOME AND CAN NOT BE REPORTED TO MY CREDIT REPORT AND MUST BE REMOVED. XXXX IS REPORTINGXXXX DAYS LATE, AND XXXX IS REPORTING AS CLOSED, INACCURATE INFORMATION PER 15 USC 1681 AND IT MUST BE REMOVED.
Product: Checking or savings account

I had an account with XXXX  XXXX XXXX since XXXX up until last year XXXX. I have never had problems until one day my account was closed with no warning or explanation. I called the bank and they could not provide me with a clear answer as to why the account was closed. I also got my number taken off of zelle because of this issue. I went to call zelle about certain transactions made that i needed to receive back and they did not reimburse me. XXXX  XXXX XXXX also withheld the funds from my account for weeks and I was behind on bills because of it.
Product: Credit card or prepaid card

I received my new SoFi Financial credit card and have subsequently been issued my now fourth new card due to fraudulent activity on the previous cards. They company did reverse one of the charges before I even knew it was made. There are 2 other charges on my account that are also fraudulent and they have been reported numerous times to both fraud and their customer service department. I received a letter from their fraud department stating they were investigating the claim. They have not put any holds on the fraudulent charges and due to the length of time and lack of protections I have had to make a payment to avoid a mark on my credit. Keep in my I have never used this card and I'm waiting for the fourth card to come and it's all happened in less that 6 months. The phone number that is in the lettter from the fraud department is a line that is never answered and you are detected to leave a voice mail and you call will be returned within 24 hours. I left VM 's on XXXX on XXXX and never got a call back. The number they give is XXXX extension XXXX. Please try this number to verify that what I'm stating is actually a fact. My opinion is that the is an unmonitored line. This company is very unresponsive and my goal is to have these fraudulent charges removed, my unnecessary payment returned to me and then I can close this account as it seems their security is lax to say the least and their customer service rates even lower.
Product: Credit reporting or other personal consumer reports

XXXX is reporting unauthorized inquires that I have no knowledge of on my credit profile. 
XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  NA Inquiry date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX CO Inquiry date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX violated my rights 15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of anydebt- 15 usc 1692b ( 4 ) not communicate by post card ; 15 usc 1692b ( 2 ) not state that such consumer owes anydebt ; 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of adebt ;
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX credit bureas and company said that have done an investigation but that can't be correct if I haven't gave any written permission XXXX XXXX XXXX XXXX XXXX XXXX NEGATIVE MONTHS Credit usage 100 % Balance {$5200.00} Balance updated XX/XX/XXXX Credit limit {$4500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX CO - XXXX CO - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$5200.00} written off. {$5200.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Past due amount {$5200.00} Highest balance {$5900.00} Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments Account closed at credit XXXX 's request Account previously in dispute - investigation complete, reported by data furnisher Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address LOCKBOX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 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 results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

On XXXXXXXX XXXX  I looked at my most recent transunion credit report and noticed 4 inquires u didn't authorize and don't recognize these companies to access my credit please look into this matter and help me remove these following inquires from my transunion credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> please look into this matter and help me remove these unauthorized inquires from my transunion report.respectfuly
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I received a notification from Experian saying my address was updated to an address I never lived at. Experian said I could not dispute it because it was linked to an XXXX XXXX  accounts on my credit report. This is not the first issue with XXXX. XXXX is aware of identity theft, I have disputed multiple times with them in the past. Now they have updated my address to an address I never lived at possibly putting my information at risk. This needs to be fixed immediately!
Product: Credit reporting or other personal consumer reports

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


I told XXXX, Transunion, and XXXX to reinvestigate these accounts 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 XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/2023 I received a letter from citizens Bank informing me that an account in my name was overdrawn by the amount of {$18.00}. The letter informed me that the last four numbers of the account were XXXX. I called citizens Bank fraud department and spoke to a XXXX who explained that this account was opened online in XXXX showing no activity since and the overdrawn amount was due to monthly banking fees. The fraud XXXX zeroed out the balance, enclosed the account and recommended I notify the FTC. I never open this account, nor have I ever had an account with citizens Bank.
Product: Debt or credit management

I've been getting emails from SELF AT XXXX XXXX PROMISING ME XXXX BETTER Credit. 

THEY FINALLY DEMANDED A {$100.00} DEPOSIT. I SHARED MY BANK INFO AND THEY SENT ME A EMAIL SAYING Insufficient FUNDS. And your account has been canceled! 
I looked up my bank online and it showed SELF RECEIVED {$100.00} FROM MY BANK ACCOUNT. THEY SENT VERY RUDE Emails SAYING THEY NOW HAVE MY {$100.00} DEPOSIT!
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAY I ATTEMPTED TO OBTAIN MY FREE ANNUAL CREDIT REPORT WITH EXPERIAN BEING I ENCOUNTERED A PROBLEM AND I WANTED TO MAKE THAT THERE WAS NO FRAUD REPORTED. UNFORTUNATELY EXPERIAN REFUSED TO PROVIDE ME A COPY OF MY FREE REPORT AND THEY WANTED ME TO RECEIVE MY REPORT NUMBER BY MAIL OF WHICH I DO NOT KNOW WHAT THIS MEANS.     UNFORTUNATELY I CAN NOT CALL THEM AS THEY ARE CLOSED AND I CAN NOT CALL THEM IN THE DAY TIME AS I WORK AND CAN NOT GET ON THE PHONE.     I WANT EXPERIAN TO PROVIDE MY FREE ANNUAL CREDIT REPORT SO THAT I CAN MAKE SURE THERE IS NO FRAUD ON MY REPORT.
Product: Debt collection

I was looking for a internet service that didn't require any installation so I reviewed XXXX 's solution so I signed up with no contract. They sent their equipment only to find out that I need existing internet service and they were only offering streaming services. I called them immediately and arranged to return their equipment without activation. They agreed and sent me the returned label. I literally shipped it back the next day. I was assured that I would not get billed since I didn't use their service. I then signed up for XXXX XXXX XXXX XXXX XXXX. Several weeks later I get a bill in the mail from XXXX. I then call again speak to a woman who assured me that bill would be reversed. A month later, I received yet another invoice claiming I'm now XXXX  days late. I speak to someone in their chat support who just ghosted me on chat and never answered and never closed the chat. Now they sent it to collections. Who in their right mind would pay internet service from one company and pay another ISP company for streaming content. It doesn't make sense. Anyone can stream independently if they have internet service. I do not owe {$45.00} because it was misleading, no contract and I never activated their equipment and used their streaming services. I have spend close to XXXX hours on the phone or chat with Xfinity support representatives only to be lied to and ignored regarding this matter. Thank you.
Product: Debt collection

I am writing to bring to your attention a pressing issue I have been facing regarding my credit report. I am a XXXX female who is diligently working on improving my creditworthiness. However, I am encountering significant hindrances due to inaccurately reported accounts that continue to have detrimental effects on my creditworthiness, consequently impeding my ability to secure loans or consider purchasing a home. 

I have meticulously maintained documentation demonstrating that these accounts have been paid in full, and they are over two years old. It is perplexing and distressing that they persistently remain on my credit report. Additionally, I have been incessantly receiving correspondence from various law firms regarding potential lawsuits, urging me to engage their services. This continuous barrage of legal notices adds further distress to an already burdensome situation. 

One particularly troublesome account pertains to XXXX. As of today, they persist in reporting that I owe them over {$1100.00}, despite the fact that this account was settled and paid in full. My attempts to engage with XXXX and seek resolution have been met with resistance and uncooperative behavior. Furthermore, every attempt to communicate with the current entity responsible for this debt, in order to rectify the situation, has been met with a lack of progress and cooperation. I never had two XXXX accounts. 

I implore your assistance in addressing this matter, as it is adversely affecting my financial stability and future prospects. I am committed to working towards a resolution and appreciate any guidance or intervention the Consumer Financial Protection Bureau can provide. 

Thank you for your attention to this pressing matter. I eagerly anticipate a swift and favorable resolution. 

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

Experian has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a thorough investigation into the disputes I filed regarding errors on my credit report. As a result, inaccurate and unverifiable information remains unresolved. This mirrors broader issues raised in a recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, citing practices such as failing to forward consumer-provided evidence to creditors, relying on unreliable responses, and neglecting to inform consumers of dispute outcomes. My personal experience reflects these systemic failures, as Experian has yet to correct or remove the disputed accounts from my report.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX reporting an identity theft to TransUnion. I have been a victim of identity theft. Listed inquiry on this letter is fraudulent. I did apply for FTC report and will attach here for future action. 
Fraudulent inquiry is XXXX XXXX XXXXXXXX reported XX/XX/year>
Product: Mortgage

As the attached screen shots from the Bank of America website show, I scheduled the mortgage payments in late XX/XX/2020 for XXXX XX/XX/2020 and have sufficient funds in the checking account for those payments. 

However, as of XXXX XX/XX/2020 BoA has not properly credited the payments. In my opinion, this is simply part of BoA 's consistent policy to provide poor service and then assess 'fees ' so they can steal, in my opinion, money from the customers. 

I would NEVER willingly do business with BoA ; BoA bought these mortgages and I have NO RECOURSE other than expensive refinancing to get rid of them. 

I've paid mortgages on my homes and rentals for over 40 years and the trouble I've had with BoA in the few years they've 'serviced ' these mortgages is greater than all the problems in the past 40 years. 

In my opinion, many of the senior people should be thrown in jail.
Product: Credit reporting or other personal consumer reports

I believe that according to FCRA 605B, we must eliminate any erroneous accounts from my credit report. Could you review the documents? Some of the listed accounts contain inaccuracies in terms of reporting, including inaccurate amounts and dates.
Product: Credit reporting or other personal consumer reports

I noticed strange and unauthorized inquiries on my credit report this morning, which is incredibly concerning. I double-checked by refreshing my browser, but the issue persisted. Im urging a thorough review of the documents Ive sent so I wont have to deal with this stress again.
Product: Credit card

I am entitled to have my interest rate reduced on my accounts to XXXX XXXX per Louisiana statute 29:312.
Product: Credit card or prepaid card

I first called on XX/XX/23 to close a chase freedom credit card account with Chase Bank. I no longer needed the card, and wanted to transfer my credit line and rewards balance to another chase credit card which was already opened and activated. Due to a " glitch '' in their security software Chase customer service is unable to access my account. They have asked me to call back in 24-48 hours so their system can reset. I have called back 5 times now over the past 2 weeks, each time with the same response from Chase. I am curently locked out of all customer service functions for my credit cards. I can not close my account, transfer credit, use rewards, update preferences, etc. This has been the case for nearly two weeks and after approximately 8 hours of time on the phone. I am seeking help so that I can close this credit card and regain access to my account.
Product: Credit card

Please review the attached documents. I request the bureau to initiate an investigation into these accounts, as I am consistently on time but being reported as late.
Product: Mortgage

On XX/XX/2024, I made a principal-only payment of {$80000.00}, as well as my regular XX/XX/XXXX payment of XXXX to my original loan servicer, XXXX XXXX XXXX  XXXX These payments reduced my unpaid principal balance from XXXX to XXXX. My loan was subsequently transferred to Nationstar/MrCooper. Nationstar/MrCooper is stating that my unpaid principal balance is {$190000.00}, and is charging me interest on this inaccurate balance. I have a payoff statement, a payment history statement, as well as personal correspondence from XXXX XXXX XXXX  XXXX XXXX office proving my unpaid principal balance of XXXX prior to the transfer. 

Nationstar/MrCooper loan # XXXX former loan number with XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for only one Chase credit card this year on XX/XX/XXXX. That card was the Freedom Flex. I recieved XXXX extra inquiries on XX/XX/XXXX and XX/XX/XXXX. I did not apply for any new cards and this is an incorrect use of my credit report.
Product: Bank account or service

Huntington Bank denied me access to my checking account. Due to profiling customers, deposits at the ATM were held ( disclosure was made at ATM regarding no immediate availability on deposited checks ). I was not able to access my account online or by mobile app. Upon inquiring via phone as well as visiting the XXXX Officed ( XXXX ), I was informed my account was pending closure and no access would be granted until the checks cleared. I accept the pending hold until the checks clear, I do not accept preventing me from viewing my account. The deposited checks were from my XXXX checking account which has direct deposit of funds received for death benefits for my husband who died XXXX/XXXX/15. The direct deposit in the XXXX account ( XXXX ) had not been received on the date the insurance company promised. I explained this to Huntington reps numerous times. 
I was told that nothing can be done about access to my account and they continue to hold this matter as a security issue until XXXX even though I explained the problem with my direct deposits at XXXX. I have been in contact with the insurance company responsible for the direct deposits, as well. I had checks returned by XXXX on a previous deposit and by profiling my account activity, the account is on hold to close. My SSI funds are due to be direct deposited into Huntington on XXXX. I want access to my account immediately. 
I needed checking account statements for my mortgage company and was not able to obtain them online. I had to order them from Huntington and they will charge {$5.00} each,
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed bankruptcy in 2016. 

XXXX XXXX XXXX is still reporting balance of {$120.00} XXXX XXXX XXXX is still reporting balance of {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX BANK XXXX  XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX  XXXX XXXX XXXX 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 a acount without my written instructions