23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX Re : Dispute of Inaccurate Collection Account Account Number : XXXX Collection Agency : Consumer Adjustment Company Dear Equifax , I am writing to formally dispute the accuracy of a collection account listed on my credit report. This account, reported by the Consumer Adjustment Company, contains numerous inaccuracies that I will not disclose at this time but am prepared to detail if this issue is not resolved promptly. 



Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, Equifax is obligated to report only accurate and verifiable information. If you can not verify the completeness and accuracy of the information provided by the furnisher, you must promptly remove the disputed entry. 



Furthermore, I am keeping meticulous records of all correspondence and information related to this matter and am prepared to pursue legal action under the FCRA if this inaccurate account is not removed from my credit report. This includes seeking damages for any harm caused by the failure to ensure the accuracy of the information reported. 



Given the potential legal and financial implications, I trust that you will conduct a thorough investigation. Please forward all documentation related to your investigation to me, including verification and validation from the original creditor. 



Failure to resolve this matter within the timeframe outlined by the FCRA will leave me no choice but to escalate the issue. I request that this collection account be removed from my credit report immediately unless it can be verified as accurate in every detail. 



Thank you for your prompt attention to this matter. I expect a response within 30 days, as required by the FCRA. 



Sincerely XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Re : First National Bank of Omaha XXXX XXXX Credit Card Annual Fee. 

On XX/XX/2019, around XXXXXXXX XXXX Pacific time, while making the monthly payment for the XXXX XXXX charge card issued by First National Bank of Omaha, I notice an annual membership fee of {$19.00} posted on XX/XX/2019 ( see attached statement ) to my account. The membership fee was for the coming year. It was too late to call the bank ( headquarter in Nebraska ) to discuss this charge, so I made the call on XX/XX/2019, around XXXX XXXX Pacific time. 
Spoke to the customer service representative on XX/XX/2019, explained charge on my statement and her to cancel my charge card and refund the membership fee. She put me on hold to speak to a supervisor and came back to me and said that they can cancel the card but can not reverse my membership fee. Then I explained to her that the fees charged was for the future year and as I do not want to use the card I should not be charged a fee for a service that I do not want. She replied that there is nothing she can do. Next, I asked to speak with a supervisor and the customer representative said that the supervisor is going to say the same. I insisted that I talk to a supervisor and after being on hold for about 5 minutes I was connected to a supervisor named XXXX. I explained to her that I notice this fee posted to my account, on XX/XX/2019, while making my payment on XX/XX/2019. Also, I told her that it was within 30 days of the charge being posted on my account and I should have the option to cancel the charge card and not be charged an annual membership fee. She said that she could not reverse the fee. As I realized that I was not getting anywhere with her and she was oblivious to reasoning. I asked her to cancel my card as of XX/XX/2019, and decided to seek your agencys help. 
This kind of strong-arm tactics by financial institutes and/or by their staff should be curtailed. They know that they hold our credit future at ransom, thereby refusing to listen to reasoning and use common sense. Most financial institution are professional and do try to work with the consumer to address their grievances. It is in my opinion that I think that as a consumer I should have the right to dispute a charge within a reasonable time, in this case approximately 11 days, and not pay for a membership I do not want. Please look into this illegal charge and hopefully come up with a favorable outcome.
Product: Checking or savings account

PNC bank advertised a {$200.00} sign up bonus with direct deposits totalling over {$2000.00} within 60 days of account opening and at least 10 debit card transactions. I met both of these requirements and was not credited my bonus. I contacted support and was not credited my bonus and given totally incoherent responses. I believe this bank is engaging in fraud.
Product: Credit reporting or other personal consumer reports

Experian and TransUnion unlawfully reinserted previously deleted items on my credit report without proper notification, violating **15 U.S.C. 1681 ( a ) ( 5 ) ( B ) & 1681 ( a ) ( 6 ) ( B ) ( iii ) **. They failed to notify me in writing or by phone as required. I demand immediate removal and compliance with federal law. If not resolved, I will pursue legal action.
Product: Credit reporting or other personal consumer reports

My consumer report has false information that is portraying my ability to manage credit incorrectly. This is both incomplete and not 100 % accurate, which is preventing me from being employed with the XXXX XXXX
Product: Mortgage

My mortgage company erroneously reported that we were over XXXX days late on our XX/XX/XXXX mortgage payment. To date, we have NEVER been XXXX days late with any of our payments and this accounting error on their par has lowered mine and my husbands credit scores from XXXX down to XXXX because f Ditech 's error. We noticed this error on XX/XX/XXXX and contacted Ditech immediately to report, we called several times, each time getting a different story on how we were to obtain proof that they corrected, and I have emailed them requesting this as well and have yet to receive back up that they have corrected with credit bureau and will not send us a letter or anything stating they made this error and it was corrected with date of correction. My credit score is still XXXX or below due to this error and we are supposed to try to buy a new car since our car lease is up at the end of XX/XX/XXXX. They have also repeatedly charges us incorrect late charges and also XXXX allocated our check we sent for mortgage payment to another amount thus charging us late fees for their error. This time, it did us actual damage to or credit and will not respond with correction for us to use when we go to apply for lease for car. I have attached bank statements that show each payment totaling {$1100.00} per month ( our monthly payment amount ) highlighting the check memo that is printed with each payment that lists month, mortgage, and year on it.
Product: Debt collection

I reviewed my credit report on XXXX at XXXX and seen I have a fraudulent collection account appearing on my credit report. This is not my account and I have submitted fraud claim to XXXX. You are to remove this fraud account immediately before i pursue legal action. Under federal regulations this does not qualify as a " valid verification of debt ". I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ). On XX/XX/XXXX nineteen  days after the date of Brennans debt collection letter, Spears counsel Shepard sent Brennan a letter declaring that Spears disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, Brennan should have ceased his debt collection efforts immediately upon receiving that letter. Instead, Brennan proceeded to obtain a default judgment against Spears on the debt collection claim before he had mailed Spears the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). Brennan maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to Spears ] in the October 30, 1996 notice of claim. Brief of Appellee at 13. Specifically, Brennan claims that a copy of the consumer credit contract between Spears and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of Spears loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by Spears, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time Brennan sent the debt collection notice was at least {$350.00} more than the original loan amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am complaining these accounts that I found really questionable in my credit file. There are a lot of missing information and also I have no transaction with the reporting collection company or agency. This is really getting out of hand and I am trying my best to build a positive credit file. I need your help with these accounts please.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are asking you to investigate the impact that that our XXXX  XXXX XXXX Home Equity line of credit   has had on our credit. 

We were struggling with payments beginning in XXXX on our HELOC, and in early XXXX learned we may be eligible for a modification. We wanted to ensure we were taking care of the situation so we began to seek out resolution. 

Timeline Mid XXXX -- reached out to begin finding out if we could get a trial modification. Took quite a while to finally get to a point where they would talk to us about a trial modification. 
XX/XX/XXXX approved to start trial modification XXXX completed the three trial modification payments ( proof in bank statements provided ) XX/XX/XXXX finally get a letter after persistent questions of status and decision that our modification is approved. We returned the final modification paperwork, never got anything back. 
XX/XX/XXXX get a letter saying our modification was denied. 
XX/XX/XXXX get a letter saying its now approved, see no evidence of this in our monthly payment ; still shows massive snowball amount. 
XX/XX/XXXX get a new letter saying we successfully completed trial modification and to sign and return the modification agreement, which we did. 
XXXX still seeing no evidence they had modified the loan, unsuccessful in getting answers. Finally hear from someone that they had sent more paperwork, and they had sent it to the wrong address. We were temporarily living in XXXX for 8 months. We had updated our mailing address to our temporary address in XXXX, and we were receiving billing from them at that address but they mailed new loan modification paperwork ( 3rd time around I think? ) to our home property address, which we did not receive as it was not forwarded by our renters. 

XXXX send a fax to XXXX appeals intake, requesting them to send the paperwork yet again, they never did. 

XXXXthey transfer the loan to real-time resolutions and we have such a horrendous impact on our credit its almost worse than bankruptcy. 

This account should have been modified and would not have been needed to be transferred off to XXXX XXXX. 


It was like getting stuck in a loop. We would provide and sign whatever next paperwork or evidence they requested, and then we would get something else that they said they needed. It took so much energy, they seemed determined to bury us in paperwork and confusion rather than give us the modification. I gave up. 

Included for consideration is the various documents from XXXX XXXX XXXX indicating we had successfully completed modification, as well as correspondence that demonstrates the diligence with which we tried to resolve the matter. 
Included : All the documentation that our loan was modified from XXXX XXXX XXXX. 
Copies of correspondence showing the diligence in which we attempted to resolve this account. 
Proof of the payments to fulfill the trial modification period through our bank statements.
Product: Money transfer, virtual currency, or money service

On Tuesday, XX/XX/2023 I transferred {$100.00} via Money Gram to a friend in XXXX. I received an email that the transfer was in progress. 
I have been doing this for a few years. I can not access my Money Gram account so I can not provide you the date I started. 

On Friday XX/XX/2023 I received an email that the transfer had been sent On Saturday, XX/XX/2023 I received an email that the transfer had been CANCELED, with no explanation. 

This evening, Tuesday, XX/XX/2023 I attempted to learn from Money Gram what the problem was. There is no way to get a person on the phone at Money Gram. There used to be, but no more.

I went on a " Live Chat '' and was told I would, in future, have to use another transfer service. The chat person, XXXX, told me he could not provide me a reason. 

If there was a problem I would like to know what it is. At Money Gram there is no way for me to learn the problem. 

Is there no accountability for these money transfer services? 

I so appreciate your help in this matter and I hope to hear from you. 

Thank you for your help. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete these hard inquires in such an action of a complaint will be filed with identitytheft.gov. 
Also an improper use of my credit report and violates my right to consumer privacy/company used improperly by law. Unauthorized hard inquires/did not submit nor authorize applications for such credit as follows. 

XXXX XXXX XX/XX/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: Debt collection

I was not able to contact the company sca coll. XXXX XXXX XXXX was listed under this collection. I called to take care of this collection but they did not have a bill for me on record. The account was open on XXXX XXXX 2012. The company owed does not have a record of the debt.
Product: Debt collection

This account is in direct violation of legal document 15 U.S.C 1681 Please have them remove this account from my credit report immediately
Product: Debt collection

Medical Data Systems is a third paty collection agency that provide collection services for XXXX. My family was provided XXXX services at XXXX for my XXXX in XX/XX/XXXX. There was change in my insurance which caused some billing issues with XXXX and instead of providing me notificaiton they sent my account to collections in XX/XX/XXXX. I contacted Medical Data Systems after receiving a phone call and a notice in the mail regarding this account. When I contacted them they stated to me that they purchased the account from XXXX and were trying to collect a debt. My husband contacted XXXX on my behalf and XXXX informed us that they do not sell past due accounts to any company nor do they authiroze any collection agency to post negative remarks on creidt reports. XXXX reviewed the account with my husband and observed that billing errors did exist and they would have to resubmit the blalances to the correect insurance compnay. A dispute was filed with the three credit bureaus to remove Medical Data Systems from my creidt report. Due to new legisaltion purposed by the goverment pertaining to medical bills the collections accounts were removed from my creidt report on the basis that XXXX is still the legal owner of the accounts and that XXXX did not authorize Medical Data Systems to post negative remarks on there behalf. XXXX is still continuing to work on these accounts and the last contact with XXXX took place in XX/XX/XXXX in which the account rep still observed some issues with the billing and submitted all statements to my home address so that the proper appeal could be drafted to complete the billing process. Also XXXX has sent me an application for the XXXX which will take care of any remaining balances that may result from the billing issues which occured almost three years ago. 
After a recent check of my credit report XXXX has illegally resubmitted previously removed credit information back on my credit report. They are fully aware that XXXX still is the legal owner of the account and also XXXX has informed me that any account over two years old has been written off for that corresponding tax year. Medical Data Systems is still claiming that the account was sold to them by XXXX but XXXX has stated that teh account no longer exist and has been written off. XXXX has also stated again that Medical Data Systems has not been authorized to post negative remarks on creidt reports on behalf of XXXX. XXXX stated that the acocunts from XX/XX/XXXX have been charged off and the other remaining balances with them once the billing has been completed will be considered under the financial assistance program.
Product: Money transfer, virtual currency, or money service

I'm sure your getting tons of these but please see the attachment as they are double charges by Coinbase : I made 3 purchase betweenXX/XX/XXXX-XX/XX/XXXX and was charge for those at that time but received those same charges today again for the same amounts causing my account to be over drafted. see attached for charges.
Product: Credit reporting or other personal consumer reports

Filed a dispute via 3 major credit bureaus on XX/XX/2024 as one of my Capital One credit cards is reporting my Last Statement Balance of {$420.00} ( that ended on XX/XX/2024 ) as my " Current Balance- which is incorrect and is negatively impacting my overall credit score. I also contacted them via phone and the representative verified that my dispute investigation was complete and the " Last Statement Balance '' was reported instead of the current balance.
Product: Debt collection

Hell o All, Tha nk you in advance for your time and consideration in assisting in this issue. Abou t two years ago, my husband and I went to  Macys s tore in   XXXX   XXXX    Virginia to shop for  few items and after choosing the items we needed, we then went to the cashier to pay for the items and it was there that she ( the cashier ) said we could receive additional discount if my husband is added on my account which the cashier did and confirmed with us after completing the proce ss. One day  my husband went to  Macys i n  XXXX  Maryland and purchase a dress pant ( price range {$50.00} - {$70.0 0} ) for  me using my account information. But later found out after receiving a collection b ill ( of {$800.00} plus ) on behalf of Macys, an d contacting customer services, that my husband was never added on my account but rather another account was created without my knowledge and was never brought to my attention even when I always called to make a payment on my card no one in that department ever brought it up. The most frustrating part of this is that upon creating this account, one must expect to received separate bill under the account, a letter of notification of the new account created along wit h a Macys card but none was issued rather they ( Macys ) continues to accumulate charges over time which seems to me Macys is   more interested in making money than doing the right thing in that process. The most frustrating of all this is the lack of accountabil ity for error on Macys as  such that it has affected both of our credit. Does such practice not consider deceptive and shouldnt Macys accept responsibility for an error on their side? Lastly, every Macys customer service representative I had spoken with on this issue refused to provide me the account number in dispute this to me is unacceptable in a manner that I 'm being held responsible for something I have no knowledge of or aware of it existence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint addressed the Credit Reporting Agencies to request the complete removal of the fraudulent information frommy Credit report. I have been sending countless letters requesting that the Credit Bureas remove the fraudulent items from my Credit Report and yet they have done nothing. Under rthe FCRA section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. And provide copies of documents to serve as proof of verification wo support the Credit Bureaus claims that the items beling under my name. But despite all the lettets I have sent, the Credit Bureaus have not done nay of the actions. I am now submitting this CFPB complaint to inform the Credit Bureaus that if they do not comply with the Request and continue reporting without sending me copies of documents as proof of verification, please understand I will initiate legal action. I need the folowing items deleted as soon as possible : XXXXXXXX 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 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