23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently learned about important credit is and so I decided a few months ago to pull my credit report for the first time and as I did that I fount a collection on my account from XXXX   XXXX XXXX. it is a medical bill that I never have heard of these people and I also have never been with insurance. I have had XXXX  since I was XXXX years old and I am now XXXX. There is no way that this bill can be legit with me haven for one no  acknowledgement of it and also it reporting that I would of owed something for the simple fact that I have had insurance my whole adulthood. I have many many times disputes this account I have kept getting the verified status back but never received a single paper of how this account was verified I even called this company and stated to them as what I wrote before and they were unwilling to help me or take my insurance number or my information to actually VERIFY THAT if this WAS MY ACCOUNT it would have been paid by my insurance. Ive sent my ftc report Ive sent proof my insurance I have sent everything needed to prove myself and havent got anything back to show me proof of there verification but state this is my account and hasnt even tried billing insurance or sent them a bill. I called my insurance couple and they stated I have had no lapse in my insurance and I know this because I XXXX my son in 2012 and I had insurance whole 2012 so I decided to give XXXX  XXXX a call back and again was unwilling to help me and my insurance stated to me give them my insurance billing number and tell them I had insurance If this is my account they need to send caresource a bill as if this was legit mine that they would have paid it and this company XXXX XXXX was unwilling to help me at all and by all means this is violation of my rights to keep reporting this inaccurate information on my credit report that shows it is reporting different information on each credit report and that I have no acknowledgment of this account for fact I have had insurance and my insurance states they didnt bill them nothing and this company wouldnt take my insurance billing information and send it off to them and this needs to be deleted now
Product: Credit reporting or other personal consumer reports

XXXX and Transunion are reporting two XXXX XXXX accounts as charge offs and open at the same time and posting this monthly as new accounts. 
accounts last updated on XX/XX/2024 one for {$8300.00} and one for {$3400.00}. 
This is a direct violation of the FCRA Section 1681e requiring CRA 'S to follow reasonable procedures to insure maximum accuracy and accurate and complete information. 
Section 1681i violation of the procedures that would clearly discover the inaccuracy. 
Section 1681s-2 Imposes duties on furnishers of information. 
XXXX XXXX is engaging in practices that are absolutely intended to damage consumers that have had difficult times. As a XXXX XXXX XXXXXXXX veteran forced to retire due to his issues ( which caused my hardship ) XXXX XXXX and the CRA 's should be asshamed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection agencies ( XXXX XXXX XXXX XXXX ) have added a collection to all three credit bureaus and I do not owe the original creditor who is XXXX XXXX.
My insurance paid the balance many years ago and now I have had two separate collection agencies trying to collect a balance of {$940.00} that they claim I owe. I do not owe this amount and I have the proof.
I requested proof from both collection agencies and this is what I received from both of them.
XXXX, XXXX and Transunion only reduce the debt owed to a XXXX balance but leave the collection on my credit.
I want it completely removed. I do not want the next collection agency who receives this to be able to add it as a valid debt. I owe a XXXX balance and their own evidence proves it.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit card or prepaid card

Please read thoroughly for complaint. Response below first paragraph. 

Goldman Sachs Bank USA received the above-referenced complaint related to the Apple Card via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal on XX/XX/2020. The Bank appreciates the opportunity to address the issues raised by XXXX XXXX XXXX the Customer ). The Customers complaint references a dispute related to a transaction with XXXX XXXX on XX/XX/2020 in the amount of {$2800.00}. The merchant provided evidence stating the Customer exchanged the item, received a partial credit in the amount of {$42.00} and received a gift card for the remaining credit amount of {$1400.00}. According to the merchants terms and conditions, the Customer would receive a refund credited via the original payment method if the merchandise had been returned within 14 days of purchase ; because the exchange was initiated after that time period, the Customer instead received and confirmed receipt of gift card for the difference. As part of the investigation, the Bank unsuccessfully attempted a three way call between the merchant and the Customer, but the Customer refused to speak with the merchant on a three-way call. Based on the information reviewed during the investigation, the Bank does not have any knowledge of facts confirming a billing error, and the Bank resolved the dispute in favor of the merchant on XX/XX/2020. After reinvestigation, the dispute decision will remain the same. Based on the above details, the Bank kindly requests this complaint be closed. 

-- -- Goldman Sachs has failed to properly investigate this dispute even 1 year after the date of purchase. I ordered the item online on XX/XX/XXXX, received it shipped to me on XX/XX/2020, and only returned it on XXXX XXXX, when I was still within 14 days after receipt, confirmed by postal office, and returning it. Goldman Sachs in its investigation did not even verify that this is actually an online transaction! XXXX XXXX promised me a refund back to the credit card and I am still waiting for it a year after because Goldman Sachs can not do a proper investigation and should therefore fully compensate me for the amount claimed plus any penalties for being a year late in responding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion several times regarding the unauthorized credit inquires. I called the companies listed and their response we dont have that information contact the bureaus directly which I been doing this is the 4th time. Please delete these inquires off my report as its a against the federal fair credit reporting act to report wrongful information. I have contacted this company XX/XX/2020, XX/XX/2020, and XX/XX/2020 with no results or notice. I provided my current electric bill and ID every time these letters were sent so theres no reason why I have been ignored. I kindly ask, please resolve this issue.
Product: Debt collection

I received a phone call from a person saying that I owe money to them because the doctor at the hospital send them the debt, I asked him to give me discount so I can pay it one shot, he said no, I said I am paying the hospital in payment and I just paid another bill how would I know that it is not a duplicate bills said give me time and we will talk, with the covid 19 problem everyone is trying to take care of their loved ones ' was taking care of my father ( XXXX years old ) and making sure to keep my business open and hold on to my employees it is a struggle.anyway .yesterday I was surprised he went ahead and reported it on my credit report, keep in mind I didn't receive any written mail from the ( first federal credit control ) I saw their name on my credit report with phone number that is a fax, and the other report doesn't list any phone number for communication amount is {$1300.00} my point is with all that is going on at these time, they didn't allow me enough time nor provide me with a written notice and a referenced phone number so I can have recourse I called their number it is not a working number, it is a fax number. this tactic is unfair, bcoz I have good credit, I feel I am been blackmailed by them, pay or else I will tarnish your credit, eventhough I offered to work with them, but I can't contact them, I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX BANK NA partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been  successful.
Product: Checking or savings account

Capital one bank has not processed my direct deposit to my account on payday. They claim to have technical issues that have now lasted three days and are offering no fix or timeline for my funds to be available to me
Product: Credit reporting or other personal consumer reports

My credit report includes unauthorized items resulting from the fraudulent use of my personal information, and I have never benefited from these transactions. Understanding how serious this situation is, I quickly filed a report with the Federal Trade Commission, expecting it to be resolved. Yet, despite taking all the right steps and properly reporting the fraud, these items still remain on my credit report. The ongoing frustration is immense, as I continue to suffer the consequences of someone elses misuse of my information.
Product: Credit reporting or other personal consumer reports

Refused to delete these accounts that were apart of identity theft with ftc
Product: Debt collection

On XX/XX/2022, I received a court summons from Olson Shaner, XXXX XXXX  XXXX. This was the first communication I had ever had with Olson Shaner. I was never given any notice of debt or the opportunity to dispute the debt.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding Barlcays credit card, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau Dispute, the Account continued to appear on my consumer report with inaccurate information.

Upon information and belief, the credit bureaus forwarded my Dispute to Barlcays.

Upon information and belief, Barlcays received notification of my credit bureau dispute.

Barlcays did not conduct an investigation, contact myself, contact thirdparties, or review underlying Account information with respect to the disputed information and the accuracy of the Barlcays Account.

Upon information and belief, Barlcays failed to instruct the credit bureaus to remove the false information regarding the Barlcays Account reporting on my consumer report.

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the Barclay 's Account.

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute.

At no point after receiving the Credit Bureau Disputes did Barlcays and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes. 

The credit bureaus relied on its own judgment and the information provided to them by Barlcays rather than grant credence to the information provided by myself.

The credit bureaus published the false information regarding the Barlcays Accounts to third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

according to the law these compainies are reporting improper information on my consumer report late payments or any transaction is againt the law to teport on my consumer report and should be removed asap! immediately. this company has violated me 5 times! 15 usc 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except 15 usc 1681 a-d Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit card

I opened a Carecredit card through Synchrony Bank to pay for XXXX on XX/XX/year>. The account had a promotional XXXX year XXXX % rate. I attempted to set up a monthly autopay so that the account would be paid in full before the end of that period, but had extreme difficulty setting that up, and repeatedly had the online system indicate that it was setup only to find out after the due date that no payment was made. After XXXX months of this, I finally got it set up. However, I did not realize that the system did not process the amount correctly and instead I was setup on the minimum payment. There was no information provided to help calculate how much I needed to pay each month or how long was left before interest was charged. As a result, when the XXXX year mark hit, I had an outstanding balance and was charged {$1600.00} interest on the entire original sum. I never received any warning that the promotional period was ending or that interest would be charged. As soon as I realized the mistake, I paid the balance in full. The whole process misled me into believing that I had set up everything correctly to pay off the balance before any interest was charged only to have a large interest charge unexpectedly accrue.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX, sunrise credit services due to account paid in full. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house as a first time buyer & getting a new car. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.fsnb, na XXXX {$500.00} XXXX XXXX- XXXX {$160.00} XXXX XXXX  XXXX {$570.00} XXXX XXXX   XXXX {$160.00} XXXX XXXX XXXX XXXX {$350.00} XXXX  XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX  XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX {$76.00} XXXX XXXX XXXX {$250.00}
Product: Student loan

Student loan PSLF forgiveness applications are handled only by FedLoan. 

I mailed in a completed PSLF application via USPS mail in XX/XX/2022, and as yet I have never received any confirmation that it was received at all. 

I have tried multiple times to contact FedLoan to request receipt confirmation or instructions, and have been unable to get any answer. 

FedLoan will not allow me to create an online account with them because my loans are serviced by XXXX and not by FEDLOAN.

FEDLOAN must process the PSLF application, so the loans are supposed to be switched to FEDLOAN on their receipt of the PSLF application. 

Today I waited 20 minutes on hold to talk to a FEDLOAN service representative about creating a FEDLOAN account, but he immediately told me he had no info and that I couldn't create an account until making FEDLOAN my servicer.

When I asked for basic confirmation as to whether FEDLOAN has received my PSLF application, the rep told me that he'd have to transfer me to a different department for that information. I waited on hold another 20 minutes, then hung up because I'm at work.

The PSLF application process is involved and time-sensitive. I have now wasted nearly three months waiting for any response for FEDLOAN, and I have now received an entirely unacceptable level of customer service in trying to contact them for information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In spite of my previous written request I found out that the XXXX credit bureaus neglect to delete the inaccurate items in my credit file, I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The XXXX credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need these following items to be removed from my report ASAP : XXXX XXXX ; XXXX Summer XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXXXXXX Unpaid Balance {$2200.00} ; XXXX XXXX Revels ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Unpaid Balance {$2200.00} ; XXXX XXXX  XXXX XXXX Unpaid Balance {$760.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX Ct, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Unpaid Balance {$2200.00}.