23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is the 2nd notice of dispute of this collection notice. The initial dispute was placed with your office in XX/XX/XXXX with a lady ( I believe her name was XXXX ). I again spoke to XXXX XXXX with the collection company, National Credit Systems approx. XX/XX/XXXX. My conversation with him at the time was not only to dispute the information ( collection notice ) but also requested proof of the debt owed. Instead, another notice of collection was issued a week later on XX/XX/XXXX. <P/>As of this letter, I still have not been provided with the proof of the debt owed to XXXX XXXX XXXX  XXXX. I explained to XXXX XXXX, I had 165 pages of documentation providing we didnt owe this debt. How can this debt be placed in collection on a credit bureau without proper proof of the debt as it has been disputed twice with two individuals of National Credit Systems in XX/XX/XXXX and XX/XX/XXXX. <P/>In XX/XX/XXXX, I informed the XXXX XXXX, I didnt lease a property from this apartment complex. There was several discussions with the leasing agent, XXXX and property manager, XXXX XXXX. The lease prepared was not prepared correctly with the terms agreed upon therefore was not finalized. My husband and I met with the XXXX XXXX with the XXXX complex. She apologized and admitted to my husband and I the file was handled both incorrectly and unprofessionally. Agreed to refund {$290.00} and no further obligation was due. An email stating {$290.00} would be refunded. The refund has yet to be processed and received since XX/XX/XXXX. Recently, when my attorney contacted the property manager, XXXX again another credit was issued and an email received. Yet still no refunds have been issued. This case is pending legal action in a court of law in XXXX XXXX XXXX XX/XX/XXXX. <P/>I have requested proof of the debt as previously requested twice. Their notice clearly states if the debt is disputed National Credit Systems will provide proof of the debt. Why have I not received the proof of the prior to placing this file in collection on my credit report? Due to this file being disputed and no proof of the debt has been provided, the entry needs to be removed from credit bureaus. Proof of the removal from the credit bureau until such time proof of the debt is provided and resolved in a court of law should be provided within 7 business days. <P/>The proof of debt and cancellation of reporting can be mailed to XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX. <P/>I have supplied National Credit Systems with a copy of both refund letters from the property manager, XXXX XXXX with The XXXX XXXX XXXX XXXX. I can also provide the CFPB with copies of the same. <P/>XXXX XXXX stated in XX/XX/XXXX, it was our responsibility to provide him with the proof I did n't owe the debt. I tried to explain several times the burden of proof was on the collection agency if it was disputed. As why it was sent to the credit bureaus after communicating with their office in XX/XX/XXXX when the first notice was sent. Ask him to remove the entry until proof was provided and he refused. Called me a liar and was extremely rude. The collection tactics was an attempt to frustrate me.
Product: Credit card

On XX/XX/2023 I requested in writing proof of debt. My information was involved in the XXXX XXXX XXXX. Claim # XXXX. First Access XXXX did not send anything one letter stating was valid account. I have not received copies of anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Transunion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. Also, I was never late. I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attachedXXXX XXXX XXXX Date opened XX/XX/XXXX XXXX {$25.00}.
Product: Debt collection

The debt is not my. No payments were made by me on the account. I have been XXXX ( military ) during this time and ask the company to stop harassing me with letters. It has been several years later now. I still get the letters.
I did not receive the product or service provided by PayPal. I have sent replies back disputing the error. I have made two phone calls ( overseas ) to try and resolve this. The outcome has not been good. The initial charge was {$40.00} or {$50.00} USD. Now the want {$320.00} USD to resolve this issue. As soon as I found out about the account, I closed it. My bank did not pay the amount after investigating the issue. My bank was the reason I found out about it.
Product: Credit reporting or other personal consumer reports

this Person ( XXXX XXXX XXXX ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to. Also, they have violated FDCPA unfair Practices and by law are liable to pay up to {$1000.00} for each violation under Civil liability.
Product: Credit reporting

My credit report says a account was charged off as bad debt, when in fact I paid account in full, I disputed information and the reporting agency did not correct the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX PA XXXX. I am contacting the bureaus Equifax today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the federal trade commissions identity theft affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have also filed a complaint with the better business bureau and federal trade commission because to my knowledge I do not recall any of these accounts. I need this problem fixed immediately and I should not have to wait another 60 days just to receive a response because is clear you guys are just ignoring my request when you are suppose to assist me as a consumer. I demand these accounts be deleted immediately or I will have to file litigation for the stress you all have caused me. I read under Section 611 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly isnt that what the law states so I dont understand whats going on please help me understand these companies are not being help to comply and I dont need XXXX  and XXXX  to keep asking me to send in correct identification because that is clearly a stall tactic my information is correct and valid identity
Product: Money transfer, virtual currency, or money service

I attempted to purchase sports tickets through XXXX  on XXXX2018 in the amount of {$110.00} and never received the tickets. I sent the money through XXXX   ( which I thought was backed by Wells Fargo ) and when I contacted the seller by phone it was shut off and I never received the tickets. I immediately contacted Wells Fargo and they stated there was nothing they could do, because they do not own XXXX.
Product: Bank account or service

When I used the ATM at the Bank of America XXXX branch on XX/XX/2017 I asked for {$50.00}. The teller assist told me they did not have the denominations I asked for but could press a button and the machine would send out what it had to make the {$50.00}. I said that was fine and the machine sent out XXXX {$20.00} bills = {$1000.00}. I had my kids in the car and did not go in to the branch to fix it. On XX/XX/XXXX, my account was debited {$3000.00}. I called immediately when I saw the transaction on line and XXXX in the ATM fraud department claimed I had a stack of {$100.00} 's on the camera, which is not true. I told her I received a stack of {$20.00} 's. She was very rude to me and told me to go to the branch where I could " see footage ''. I made an appointment to go in the next day. I went in and met with XXXX who was extremely sympathetic, professional and did what she could to help. However, she said they do n't have the footage there and that is not what I should have been instructed to do. On Wednesday XX/XX/XXXX I received a notice from B of A that my claim had been closed and that no credit could be given. I was told to call a number to receive the documentation. I called and asked for the documents so I could file a police report. I spoke to XXXX in Arizona who escalated to her manager, XXXX. They told me I should hear back in XXXX hours - that should be today. I did not hear back and called again and spoke to XXXX in Florida. XXXX told me they were escalating the claim and I should hear back in XXXX business hours. I feel like Bank of America is giving me the run around. Surely I was not the only person who used that machine on XX/XX/XXXX. No one can tell me where the {$3000.00} came from - when according to my calculations I owed Bank of America {$950.00}. Now I 'm at a deficit of {$2000.00}. I 'd like to hear from someone at the Bank who can show me proof that I received {$3000.00} and otherwise I want my money back. This began as a Bank of America error with whoever loaded the machine. I need someone who can give me an answer. I keep getting the XXXX hour runaround and no one who will give me an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : This letter is to dispute a billing error on my XXXX XXXX. The amount is inaccurate because I have paid the balance in XX/XX/XXXX but it hasn't been updated since XX/XX/2018. 

I have enclosed copies of to support my claim. Please correct this billing error as soon as possible. 

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

ON XX/XX/2019 I madfe a transaction through XXXX via their Zelle service for {$200.00}. The transaction was payment for concert tickets. Once the transaction went through the person i sent the money to disappeared. I have their email and phone number. I have reached out to them individually and they threatened to kill me via text I have filed complaints with both XXXX XXXX and Zelle, but neither will take responsibility for the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not address my issue correctly in my previous complaint with CFPB. I am aware I must file a dispute for inaccurate or fraudulent accounts that reflects on my credit report. Ive took the steps that were needed to file my dispute with Experian directly on XX/XX/2020. So a dispute is currently in progress however, these steps have been taken in the past and nothing has been resolved which is why I took additional steps by contacting CFPB directly. Experian must reevaluate my complaint. I have contacted this bureau on numerous occasions to have the incorrect information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. The accounts that are reflecting on my consumer report that have been deemed fraudulent is XXXX XXXX and XXXX XXXX. So I will continue to submit my complaints through the CFPB portal as well dispute the information through the bureau directly until this issue is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the first half of XXXX, I tried to cancel my monthly subscription service with the security monitoring company XXXX. They made it very difficult. They said I have to submit the request in writing. I did that, nothing happened. I got no response. I called them again and they said I have to include a bunch of difficult to find information such as my login, password, account number, etc. I did that. I continued to get billed. I sent them a final notice and notified them that I will be cancelling my credit card they had on file. As I furnished them with all their requests in order to cancel my service. 

Sometime a couple years later, I was contacted by a collection agency. I informed them about the status of my account with XXXX. I provided them with a copy of the letter I sent to XXXX. 

Then in XXXX, I saw recurrent overdue information on my credit report when applying for a loan. The overdue information was being input on my report every month for almost a year. I initiated a dispute with experian. They deleted the entries. 

Then I recently noticed the overdue notices appearing again on my credit report. I disputed the overdue record again. I also informed experian that they had already removed this information back in XXXX. This time however, they sent me their dispute results and only have the entry modified. Experian should stop the collection agency from continuing to input the same disputed and deleted information from my credit report.
Product: Debt collection

During a stay at an XXXX XXXX in XXXX IL back in XX/XX/2017, I left a computer laptop charger behind. I contacted housekeeping and asked if it had been found. Was advised it was at the hotel and they would hold as I visit XXXX often for work. About a week later, a package arrived at my home and it was the cord shipped via XXXX. I never requested it to be shipped nor did I authorize any charges rendered by XXXX. The original charge was around {$22.00} they were trying to collect. Now Transworld Systems is attempting to collect XXXX for XXXX invoice # XXXX XXXX XXXX and my file # wth Transworld is  XXXX. 

My wife and I have excellent credit and never late on payments. This charge however was never authorized and I'm upset this was ever sent to collections. This again was never authorized and I expect a resolution. 

I can be reached at XXXX or XXXX XXXX XXXX if you have questions. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

have disputed the student loan account with Experian regarding XXXX XXXX XXXX XXXX XXXX. They wont give me a concrete response why they say its verified and the account is accurate when its definitely not.. Payments were reduced, student loan is in forbearance. Please delete it from my credit report
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I disputes several inaccuracies on my credit report with Experian. On XX/XX/2023, I received an email from Experian stating that the results of my disputes were available for review. Report # XXXX. When I checked the results from Experian, I learned that they DID NOT accurately investigation my dispute and placed additional inaccurate information on my credit report. # XXXX - XXXX student loan - I disputed the balance of {$33000.00} and provided the {$0.00} balance letter from XXXX on XXXX to Experian. When I received the results on XXXX, Experian increased the balance to {$60000.00} AND still reported the account open! # 2 - XXXX XXXX XXXX - I disputed that this account WAS not included in my bankruptcy and provided the cancelled checks and title for proof. Experian came back with the exact same old details of included in bankruptcy. # XXXX - I disputed my name AND provided a copy of my drivers license. Experian did not make any correct changes to my name # XXXX- Experian still has the incorrect work location. I called Experian 's customer service on XXXX, to advise them that my credit report was still inaccurate and that proof was uploaded on their system. The representative put me on hold and never returned. I need my credit report corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

Complainant is presently applying for a mortgage loan modification. CMRE FINANCIAL SERVICES acting as a debt collector on behalf of XXXX XXXX XXXX XXXX attempts to collect invalid putative medical debts. A patient has a right to information necessary to provide her healthcare provider with informed consent regarding treatment. The information a healthcare provider has provided to a patient must include information regarding the availability of state sponsored health insurance for those without necessary coverage including such programs as Children 's Health Insurance Program ( CHIP ) that provides no-cost or low-cost health coverage for eligible children in California and would provide the patient with a decision-making option of whether to obtain this coverage or allow a medical collections bill damage the patients credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are on my transunion credit report that i do not recognize. I have contacted the companies for a signed application in my name or a proof of ip address where these inquiries were made from and they directed me to the credit bureau. I contacted Transunion but they could not help me and were unable to resolve the issue. 
Below are the inquiries in question.
1- XXXX XXXX XX/XX/XXXX 2- XXXX XX/XX/XXXX 3- XXXX XX/XX/XXXX ( DUPLICATE ) 4- XXXX XX/XX/XXXX ( DUPLICATE ) 5- XXXX XXXX XX/XX/XXXX 6- XXXX XXXX XX/XX/XXXX 7- XXXX  XX/XX/XXXX 8- XXXX XX/XX/XXXX 9- XXXX  XX/XX/XXXX 10- XXXX XX/XX/XXXX 11- XXXX XX/XX/XXXX 12- XXXX XXXX XX/XX/XXXX 13- XXXX XXXX XX/XX/XXXX 14- XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2019 the loan balance on my XXXX mortgage account is incorrect and not reflected correctly in any of the credit bureaus, Equifax, XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items list the specific accounts or items you are disputingl. 
XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX [ Enclosures : Copy of ID, Proof of Address, Supporting Documents ] 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

There are errors on my credit report related to 15 USC 16c-2. The inquiries listed were not authorized by me, which is hurting my credit. Please remove all unauthorized hard inquiries. Thank you!
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX XXXX XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit card or prepaid card

Hello, I had two late payments on my Capital One Buy Power Card back in XX/XX/XXXX when I was going through some financial difficulty. I made the payments as fast as I could, within 60 days. These two late  payments are now hurting my credit when I apply for a mortgage. I called the company and spoke with a manager but they are being unreasonable and will not help me with a goodwill adjustment on my credit report. I have made on-time payments ever since XX/XX/XXXX and I recently paid my balance in full. Please help me remove these two late payments from XX/XX/XXXX and XX/XX/XXXX. 

Thank you! 

XXXX